Wander® Frequent Traveler – Annual Travel Insurance

Your period of coverage is 364 days.

We cover injuries and illnesses which occur during your coverage period while you are outside your home country. Benefits are paid in excess of your deductible, copays, and coinsurance, up to your medical maximum.
Initial treatment must occur within 30 days of the date of injury or onset of illness.

This is the amount you are responsible for paying.

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.

If you are hospitalized while traveling outside of the United States, we will pay you for each night you spend in the hospital, up to 10 days. This benefit is in addition to other covered expenses, and you may use these incidental funds as you wish.

This covers expenses incurred in your home country (including those following an emergency medical evacuation or repatriation) for conditions first diagnosed and treated outside your home country, if you seek treatment within 90 days of the injury or illness. There is no coverage for pre-existing conditions.

The following expenses must always be pre-certified in the United States:

1. Outpatient surgeries or procedures;
2. Inpatient surgeries, procedures, or stays including those for rehabilitation;
3. Diagnostic procedures including MRI, MRA, CT, and PET scans;
4. Chemotherapy;
5. Radiation therapy;
6. Physiotherapy;
7. Home infusion therapy; or
8. Home Health Care.

To comply with the pre-certification requirements, you must:

1. Contact Seven Corners Assist before the expense is incurred;
2. Comply with Seven Corners Assist’s instructions;
3. Notify all medical providers of the pre-certification requirements and ask them to cooperate with Seven Corners Assist.

Once we pre-certify your services, we will review them to determine if they are covered by the plan.

If you do not comply with the pre-certification requirements or if the services are not pre-certified, we will review the expenses to determine if they are covered by the plan. If covered:

1. Eligible medical expenses will be reduced by 25%; and
2. The deductible will be subtracted from the remaining 75%; and
3. Coinsurance will be applied.

Pre-certification does not guarantee coverage, payment, or reimbursement.

Contact information for Seven Corners Assist is provided on your ID card.

Many travel insurance plans do not cover pre-existing conditions. Wander Frequent Traveler covers them through the acute onset of pre-existing conditions benefit for eligible medical expenses incurred outside the United States.
An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition:

• That occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms and requires urgent care;
• That occurs while you are covered, after the 72-hour (3-day) waiting period, and
• For which treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

This plan can pay the stated amount for each night you are hospitalized in the United States for a heart attack or stroke.

The plan can pay for emergency treatment for the relief of pain to sound natural teeth.

The plan can pay for emergency treatment to repair or replace sound natural teeth damaged because of an accidental injury caused by external contact with a foreign object. You are not covered if you break a tooth while eating or biting into a foreign object.

The plan can pay for an emergency eye exam if required to obtain a prescription for replacement corrective lenses if your prescription lenses are lost or damaged to due a covered accident. There is no coverage for the cost of the lenses or for contact lenses.

If medically necessary, we will arrange and pay transportation and related medical expenses during transportation to:

1. Transport you to the nearest adequate medical facilities.
2. Transport you to your home country for treatment or to recover after an emergency medical evacuation.

If your physician recommends it, we will pay and arrange for one person of your choice to travel to the hospital where you are located when an emergency medical evacuation is occurring or has occurred or when an emergency medical repatriation is to occur. This benefit applies regardless of whether your hospitalization is related to a pre-existing condition.
This benefit must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist will result in the denial of benefits.

If you are traveling alone with children and are hospitalized because of a covered illness or injury, we will arrange and pay for:

1. One-way economy airfare to return the children to their home country; and
2. Attendant/escort services to ensure the children’s safety.

We can pay reasonable expenses for embalming, a minimally-necessary container for transportation, shipping costs, and government authorizations to return your remains to your home country if you die while outside your home country. You cannot use this benefit if you use the Local Cremation or Burial benefit. This benefit applies regardless of whether your death is related to a pre-existing condition.
This benefit must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist will result in the denial of benefits.

This benefit can pay reasonable expenses for the preparation and either your local burial or cremation if you die while outside your home country. You cannot use this benefit if you use the Return of Mortal Remains benefit. This benefit applies regardless of whether your death is related to a pre-existing condition
This benefit must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist will result in the denial of benefits.

 If you need an emergency evacuation due to a natural disaster, we will arrange and pay for:

1. Your natural disaster evacuation;
2. Lodging for five days if you are delayed at the safe location; and
3. Your return home via one-way economy airfare.

We can reimburse you for replacement accommodations for up to five days if you are displaced from planned, paid accommodations due to an evacuation from a forecasted natural disaster or following a natural disaster. You must provide proof of payment for the accommodations from which you were displaced.
This benefit must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist will result in the denial of benefits.

We can evacuate you and transport you to your home country if:

1. A formal recommendation is made for you to leave your host country; or
2. If you are expelled or declared persona non-grata by the host country.

If you are injured as a result of terrorist activity, we will reimburse you for medical expenses if the following conditions are met:

1. You have no direct or indirect involvement.
2. The terrorist activity is not in a country or location where the U.S. government issued a Level 3 Terrorism, Level 3 Civil Unrest, or any Level 4 Travel Advisory or similar warnings from your host country or home country were made within six months prior to your arrival.
3. You departed the country or location following the date a warning to leave that country or location was issued by the U.S. government or appropriate authorities of your host country or home country.

Seven Corners has a 24/7 multilingual team available to help with travel emergencies and general assistance including medical evacuations, escorts for unaccompanied children, medical record transfers and second opinions, and help locating medical care. They can also help provide interpreter referrals, help with passport recovery, hotel and flight re-bookings, and many other services.

This can pay benefits for death, loss of limbs, quadriplegia, paraplegia, hemiplegia, and uniplegia due to an accident occurring while on your trip. If benefits are payable under Common Carrier Accidental Death, this benefit will not be paid.

This can pay benefits for death due to an accident that occurred while riding as a passenger on a common carrier (any public air conveyance operating under a valid license to transport passengers for hire).

This benefit can reimburse you for lost bags and personal items owned by you and checked with a common carrier, if you took reasonable measures to protect, save, and recover the property.

This benefit can reimburse you for the expense of necessary personal items if your checked baggage is delayed or misdirected by a common carrier for at least 24 hours while you are on a covered trip. Coverage does not apply to your final destination or residence.

This benefit can reimburse you for the cost of economy travel to your home if you cannot continue your trip due to the death of a parent, spouse, sibling or child or due to serious damage to your principal residence from fire or natural disaster. See the plan document for the definition of a natural disaster.
This benefit must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist will result in the denial of benefits.

This benefit can reimburse you for accommodations, meals, and local transportation if you are delayed by your common carrier more than 12 hours while outside your home country if the delay results in an unplanned overnight stay.

This benefit can reimburse you for fees for replacement of your passport, visas and other travel documents if they are lost, stolen, damaged or destroyed during your covered trip.

If you are traveling on a Visitor Visa B-2 and are denied entry to the U.S. at the border, this benefit can reimburse you for the cost of either: 1) An economy one-way ticket (air, land, or sea) to your country of origin or 2) A common carrier change fee to travel to your country of origin.

We can pay for eligible court-entered judgments or settlements approved by us that are related to the personal liability you incur for acts, omissions, and other occurrences for losses or damages caused by your negligent acts or omissions that result in::

1. Injury to a third person;
2. Damage or loss to a third person’s personal property;
3. Damage or loss to a relative’s personal property.

We cover typical types of vacation activities. If you plan to participate in more adventurous activities when you travel, consider buying this optional coverage.
It covers: bungee jumping; caving; hang gliding; jet skiing; motorcycle or motor scooter riding whether as a passenger or a driver; parachuting; parasailing; scuba diving only to a depth of 10 meters with a breathing apparatus provided you are SSI, PADI or NAUI certified; snowmobiling; spelunking; wakeboard riding; water skiing; windsurfing; or zip lining. You must purchase this optional coverage if you wish to be covered while riding a motorcycle, motor scooter, or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the specific geographic area where you are located in the host country.

This is the amount of time (90 days) you have from the date of your injury or illness to receive treatment. If your plan ends during your benefit period, you can still receive treatment if you are outside your home country.

If you return to your home country, there is limited coverage under Extension of Benefits in Home Country.