Seven Corners Travel Medical Insurance for Trips Including the USA
Provides protection for trips outside your home country
To buy this plan, you must be a non-U.S. resident and non-U.S. citizen who is at least 14 days of age or older. Green Card/Permanent Resident cardholders may not buy this plan.
Travel medical coverage with optional pandemic protection.
Life happens quickly. Unfortunately, accidents and illnesses do too. That's why it's important to have international medical insurance when you travel internationally.
With our travel insurance, you choose the coverage you want, and you receive important benefits for pre-existing medical conditions and emergency medical evacuations. And, while you’re in the USA, you have access to one of the largest medical networks available.
No matter where you go, Seven Corners Travel Medical Insurance follows you with:
Medical maximums up to $1,000,000
COVID-19 coverage up to your medical maximum if you contract it while traveling.
Do you need a Schengen visa for travel to Europe?
Choose Seven Corners Travel Medical Choice and select a $0 deductible to be certain you meet minimum requirements.
Plan Options
All benefits listed below are in United States dollar amounts. All medical and dental benefits are subject to deductible and/or copay and coinsurance. The initial treatment of an Injury or Illness must occur within 30 days of the date of Injury or onset of Illness. Unless otherwise stated, all benefits are per person, per period of coverage, and they are provided up to the amount shown.
| Benefits | Travel Medical Basic Covers up to 10 travelers | Travel Medical Choice Covers up to 10 travelers. Recommended for Schengen visa. | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Coverage Length | 5 to 364 days | 5 to 364 days | ||||||||
| Covered Ages | You must be at least 14 days old. | You must be at least 14 days old. | ||||||||
| Benefit Period | You have 180 days to receive treatment from the date of an injury or illness. Initial treatment must occur within 30 days. | |||||||||
| Coverage Extension | Extendable for a total of up to 364 days. | Extendable for a total of up to 364 days. | ||||||||
| Coverage Area | Worldwide including the USA | Worldwide including the USA | ||||||||
| Medical Maximum Options |
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| Deductible Options (You pay) | $0; $100; $250; $500; $1,000; $5,000 | $0; $100; $250; $500; $1,000; $5,000 | ||||||||
| Coinsurance Inside the United States (The plan pays) |
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| Coinsurance Outside the United States (The plan pays) | We pay 100% to the medical maximum. | We pay 100% to the medical maximum. | ||||||||
Medical
| Benefits | Travel Medical Basic | Travel Medical Choice | ||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Hospital Room and Board, Inpatient Hospital Services, Outpatient Hospital / Clinical Services, Prescription Drugs, Home Health Care | URC* to medical maximum | URC to medical maximum | ||||||||||||||||||||||||
| COVID-19 Treatment | URC to medical maximum | URC to medical maximum | ||||||||||||||||||||||||
| Emergency Room Services | URC to medical maximum $100 copay | URC to medical maximum $100 copay | ||||||||||||||||||||||||
| Physician Office Visits | URC to medical maximum $30 copay | URC to medical maximum $20 copay | ||||||||||||||||||||||||
| Urgent Care Visits | URC to medical maximum $30 copay | URC to medical maximum $20 copay | ||||||||||||||||||||||||
| Telehealth Consultations or Care | URC to medical maximum | URC to medical maximum | ||||||||||||||||||||||||
| Physiotherapy and Chiropractic Care | N/A | $50 per visit, 10 visits maximum | ||||||||||||||||||||||||
| Local Ambulance Benefit Inside the United States | $5,000 | $10,000 | ||||||||||||||||||||||||
| Local Ambulance Benefit Outside the United States | Up to medical maximum | Up to medical maximum | ||||||||||||||||||||||||
| Extension of Benefits to Home Country | $5,000 | $10,000 | ||||||||||||||||||||||||
| Incidental Trips to Home Country | $5,000 | $10,000 | ||||||||||||||||||||||||
| Pre-certification Penalty | Required in the United States for specific types of treatment. A 25% reduction in covered expenses applies if you don't obtain pre-certification. Penalty does not apply to a medical emergency. See pre-certification section of the plan document for details. | |||||||||||||||||||||||||
| Acute Onset of Pre-existing Conditions |
| Cardiac Condition and/or Stroke
| ||||||||||||||||||||||||
| Terrorist Activity | $10,000 | $25,000 | ||||||||||||||||||||||||
Dental
| Benefits | Travel Medical Basic | Travel Medical Choice |
|---|---|---|
| Dental — Sudden Relief of Pain | $100 | $200 |
| Dental — Accident | $250 | $500 |
Emergency Services and Assistance
All emergency services except Natural Disaster Daily Benefit must be coordinated by Seven Corners Assist. Failure to utilize Seven Corners Assist may result in a denial of benefits.**
| Benefits | Travel Medical Basic | Travel Medical Choice |
|---|---|---|
| Emergency Medical Evacuation and Repatriation | $250,000 (separate from medical maximum) | $500,000 (separate from medical maximum) |
| Emergency Medical Reunion | $200 per day, 10-day limit $25,000 maximum | $200 per day, 10-day limit $50,000 maximum |
| Bedside Visit | $1,000 | $1,000 |
| Return of Child(ren) | $25,000 | $50,000 |
| Return of Mortal Remains | $25,000 | $50,000 |
| Local Burial or Cremation | $25,000 | $50,000 |
| Natural Disaster Evacuation and Repatriation | $25,000 | $25,000 |
| Natural Disaster Daily Benefit | $50 per day, 5-day limit | $100 per day, 5-day limit |
| Political Evacuation and Repatriation | $10,000 | $10,000 |
| 24/7 Travel Assistance Services** | Included | Included |
AD&D
| Benefits | Travel Medical Basic | Travel Medical Choice |
|---|---|---|
| Accidental Death and Dismemberment (AD&D) | Ages 14 days to 18 years old Principal Sum – $2,500 19 years and older Principal Sum – $10,000 (aggregate limit of $250,000 for total number of insureds on the plan) | Ages 14 days to 18 years old Principal Sum – $5,000 19 years and older Principal Sum – $25,000 (aggregate limit of $250,000 for total number of insureds on the plan) |
| Common Carrier Accidental Death | Ages 14 days to 18 years old Principal Sum – $5,000 19 years and older Principal Sum – $20,000 (aggregate limit of $250,000 for total number of insureds on the plan) | Ages 14 days to 18 years old Principal Sum – $10,000 19 years and older Principal Sum – $50,000 (aggregate limit of $250,000 for total number of insureds on the plan) |
Other Travel Benefits
Trip Interruption must be coordinated by Seven Corners Assist. Failure to utilize Seven Corners Assist may result in a denial of benefits.
| Benefits | Travel Medical Basic | Travel Medical Choice |
|---|---|---|
| Loss of Checked Baggage | $50 per article, $250 per occurrence | $50 per article, $500 per occurrence |
| Trip Interruption | $2,500 | $5,000 |
| Lost or Stolen Travel Documents | N/A | $100 |
| Personal Liability | $25,000 | $50,000 |
Optional Coverage
| Benefits | Travel Medical Basic | Travel Medical Choice |
|---|---|---|
| Adventure Activities | Up to medical maximum | Up to medical maximum |
* URC means Usual, Reasonable, and Customary. It is the maximum amount we will pay for covered expenses based on several factors. See the definition in the plan document for more details.
** Arrangement of the above benefits are not insurance and are handled by Seven Corners Assist. Crum & Forster SPC provides the insurance benefits.
Frequently Asked Questions
How this plan works
Once you complete your purchase, you will immediately receive a receipt, a summary of your benefits, an ID card, and a copy of the plan document. The plan document is a legal document that explains how your coverage works, including a list of exclusions. We recommend you read your plan document, so you understand how your plan works.
Travelers must be non-U.S. residents and non-U.S. citizens who are 14 days of age or older. They also must be traveling outside their home country, which is where they have their primary residence.
U.S. citizens, including those with dual citizenship, cannot buy this plan.
If you are a Green Card/Permanent Resident cardholder, you may not buy this plan.
Country Restrictions — We cannot sell to persons who are a resident of Cuba, Democratic People’s Republic of Korea (North Korea), Gambia, Ghana, Islamic Republic of Iran, Israel, Nigeria, Sierra Leone, Syrian Arab Republic, and United States Virgin Islands.
You are covered for worldwide trips that include the USA if you are traveling outside of your home country, which is the country where you have your permanent residence.
Destination Restrictions — We cannot cover trips to Antarctica, Cuba, Democratic People’s Republic of Korea (North Korea), Islamic Republic of Iran, Israel, and Syrian Arab Republic.
Your coverage length may vary from 5 days to 364 days.
Your plan’s effective date is the start date of your plan, on the later of the following:
- 12 a.m. the day after we receive your application and correct payment;
- The moment you depart your home country;
- 12 a.m. on the date you request.
All times above refer to United States Eastern Time.
Your plan’s expiration date is the date your coverage ends, which is the earliest of the following:
- The moment you return to your home country (except for coverage through Incidental Trips to Home Country and Extension of Benefits in Home Country);
- 11:59 p.m. on the date you reach the maximum period of coverage;
- 11:59 p.m. on the date shown on your ID card;
- 11:59 p.m. on the date that is the end of the period for which you paid; or
- The moment you are no longer eligible for coverage.
All times above refer to United States Eastern Time.
If you initially buy less than 364 days of coverage, you may buy additional time, to a total of 364 days. Your original effective date is used to calculate your deductible and coinsurance and to determine pre-existing conditions and if maximum coverage amounts have been reached.
We will email you an extension notice before your coverage expires, giving you the option to extend your plan. A $5 administrative fee is charged for each extension.
All coverages in this plan except Accidental Death & Dismemberment are in excess of other insurance or similar benefit programs and apply only when such benefits are exhausted. This plan is secondary coverage to other insurance. Such other insurance or similar benefit programs may include, but are not limited to, membership benefits; workers’ compensation benefits/programs; government programs; group or blanket coverage; prepayment coverage; union, labor, or employee plans; socialized insurance programs or program otherwise required by law or statute; automobile insurance; or third-party liability insurance.
We will refund your payment if we receive your written request for a refund before your effective date of coverage. If your request is received after your effective date, the unused portion of the plan cost may be refunded minus a $35 cancellation fee, if you have not submitted any claims to Seven Corners.
You can find situations and items not covered by this plan in the exclusions section of the Travel Medical Basic and Travel Medical Choice plan documents..
Your underwriter is Crum & Forster SPC.
This plan includes international travel medical insurance underwritten by Crum & Forster SPC. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best 2022.
Seven Corners administers your plan.
Seven Corners will handle your travel medical insurance needs from start to finish. We will process your purchase, provide all documents, and handle any claims. In addition, our own in-house team, Seven Corners Assist, will handle your travel assistance needs, including emergency services such as emergency medical evacuations and repatriations.*
*These types of service are not insurance and are not affiliated with Crum & Forster, SPC. They are provided by Seven Corners Assist.
Travel Medical Benefits and Coverage
Visit sevencorners.com/help/find-a-doctor or contact Seven Corners Assist to learn how to find medical treatment.
Inside the United States — We offer an extensive network of providers with special network pricing and potential savings for you.
Through Seven Corners’ relationship with UnitedHealthcare, you have access to one of the largest networks in the United States.
- 1.4M physicians
- 6,500 hospitals
- 45,000 clinics
- 67,000 pharmacies
- 1,800 convenience clinics
Outside of the United States — Seven Corners has a large international directory of providers, and many of them will bill Seven Corners direct for treatment they provide. We recommend you contact us for a referral, but you may seek treatment at any facility.
Utilizing the network does not guarantee benefits or that the treating facility will bill Seven Corners direct. We do not guarantee payment to a facility or individual until we determine the expense is covered by the plan.
It is any injury or illness, including mental illness or mental or nervous disorder, which meet one or more of the following criteria prior to Your Effective Date of Coverage:
- You were diagnosed;
- You received treatment;
- Treatment was recommended to you;
- There is reasonable medical certainty that the injury or illness existed within the last 36 months, whether or not previously manifested, symptomatic, known, diagnosed, treated, or disclosed.
This includes any chronic, subsequent, or recurring complications of an Injury or Illness which meets the above criteria.
Many travel insurance plans do not cover pre-existing conditions. Seven Corners Travel Medical covers them through the Acute Onset of Pre-Existing Conditions benefit.
Coverage amounts vary by age and plan. See the schedule of benefits in the plan document for details.
An Acute Onset of a Pre-Existing Condition is the occurrence of a pre-existing condition that meets these criteria:
- It is sudden, unexpected, and occurs without advanced warning;
- It is a medical emergency;
- It occurs during the period of coverage, and after the 168-hour (7-day) waiting period;
- You obtained treatment within 24 hours of the occurrence;
- You did not have a change in prescription or treatment related to the underlying pre-existing condition within the last 30 days; and
- Your pre-existing condition is not congenital, a previously diagnosed chronic condition with expected episodes or flare-ups, or a deteriorating condition which cannot be controlled and gradually intensifies over time.
A pre-existing condition is not an acute onset of a pre-existing condition if:
- The condition is chronic, congenital, or gradually becomes worse over time; or
- If, during the 30 days prior to the acute event, you had a change in prescription or treatment for a diagnosis related to the underlying pre-existing condition.
Coverage begins 168 hours after the effective date of coverage and ends when the first of these events occurs:
- The condition no longer being acute; or
- Your discharge from the hospital.
There is no coverage for known, scheduled, required, or expected medical care, drugs, or treatment existent or necessary prior to departure from your home country and before your coverage begins.
There is no coverage for treatment for which you have traveled or conditions for which travel was undertaken after your physician limited or restricted travel.
PPACA – Patient Protection and Affordable Care Act
This insurance is not subject to and does not provide certain insurance benefits required by the United States’ Patient Protection and Affordable Care Act (“PPACA”). PPACA requires certain U.S. citizens or U.S. residents to obtain PPACA compliant health insurance, or “minimum essential coverage.” PPACA also requires certain employers to offer PPACA compliant insurance coverage to their employees. Tax penalties may be imposed on U.S. residents or citizens who do not maintain minimum essential coverage, and on certain employers who do not offer PPACA compliant insurance coverage to their employees. In some cases, certain individuals may be deemed to have minimum essential coverage under PPACA even if their insurance coverage does not provide all of the benefits required by PPACA. You should consult your attorney or tax professional to determine whether the policy meets any obligations you may have under PPACA.
Seven Corners Travel Medical Including USA
Brochure
Plan Documents
Limitations, exclusions and disclaimers from Crum & Forster, SPC.
(3042341)
Disclaimer: The above information is a summary of the important features of the plan. It is not a contract of insurance. This plan includes both insurance and non-insurance benefits. The terms and conditions of coverage are set forth in the Plan issued to the policyholder. For a detailed plan description, exclusions, and limitations please view the plan on file with Seven Corners, Inc. The Policy contains a complete description of all of the terms, conditions, and exclusions of the insurance plan as underwritten by Crum & Forster, SPC. The Policy will prevail in the event of any discrepancy between this web page and the Policy.
UnitedHealthcare and the U logo are trademarks owned by UnitedHealth Group Incorporated which are registered in the U.S. and various other jurisdictions. Administrative services provided by UnitedHealthcare Services, Inc. or their affiliates. UnitedHealth Group and its affiliates do not and cannot guarantee clinical outcomes. Insurance coverage provided by Seven Corners.
PPO networks are not provided by Crum & Forster, SPC.
