Seven Corners Travel Medical Insurance for Trips Including the USA
Provides comprehensive protection for trips outside your home country
Your Licensed Agent
Seven Corners, Inc. Online
Travel medical coverage with optional pandemic protection.
Life happens quickly. Unfortunately, accidents and illnesses do too. That's why it's important to have 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
Choose our Plus plan for COVID-19 coverage up to your medical maximum.
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.
Choose Seven Corners Travel Medical Plus for COVID-19 coverage.
Choose Plus for COVID-19 coverage up to your medical maximum. Other illnesses and injuries are also covered up to the medical maximum as well.
We encourage you to ensure you’re healthy before you travel. COVID-19 is not covered if you contract it before your plan begins.
Do you need a Schengen visa for travel to Europe?
Choose Seven Corners Travel Medical Plus and select a $0 deductible to be certain you meet minimum requirements.
Seven Corners Travel Medical Insurance Benefits
Reliable Coverage
Travel Medical Basic
Covers up to 10 travelers.
Includes COVID-19 Coverage
Travel Medical Plus
Covers up to 10 travelers.
Recommended for Schengen visa.
This is the amount of time (180 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. Each injury or illness receives one benefit period.
Example: If you break your leg on January 1 while on your trip and covered by the plan, you have 180 days from January 1 (until June 30) to receive treatment for your leg. If your plan ends on June 1, you still have until June 30 to receive treatment for your leg.
We cover injuries and illnesses which occur during your period of coverage. 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.
(You pay)
The deductible is the amount you are responsible for paying. It applies per coverage period.
Inside the United States
(The plan pays)
Outside the United States
(The plan pays)
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.
COVID-19 Medical Treatment — The plan covers medically necessary treatment for:
- COVID-19 (the disease);
- SARS-Cov-2 (the virus); and
- Any mutation or variation of SARS-CoV-2.
Travel assistance services, including Emergency Medical Evacuation and Repatriation, Emergency Medical Reunion, Return of Children, Return of Mortal Remains, and Local Burial or Cremation apply if you contract COVID-19 while covered by this plan. See the description of those services for details explaining how they work.
$100 copay
$100 copay
$30 copay
$20 copay
$30 copay
$20 copay
This includes long-distance or remote (i) health-related services and information, (ii)treatment of injury or illness, or (iii) other live consultations, each of which involves an insured person and a physician or nurse practitioner at different locations using telecommunications technologies including internet, phone, video, audio, and computers.
This can cover 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 180 days of the injury or illness. There is no coverage for pre-existing conditions.
This can cover an illness or injury that occurs on an incidental trip to your home country. You receive five days of coverage for each month of coverage you purchased, up to 60 days. This coverage does not apply if the illness or injury occurs while you are outside your home country, and there is no coverage for pre-existing conditions, including Acute Onset of a Pre-existing Condition. Coverage is available if your period of coverage is greater than 30 days.
The following expenses must always be pre-certified in the United States:
- Outpatient surgeries or procedures;
- Inpatient surgeries, procedures, or stays including those for rehabilitation;
- Diagnostic procedures including MRI, MRA, CT, and PET Scans;
- Physiotherapy;
- Home infusion therapy; or
- Home Health Care.
To comply with the pre-certification requirements, you must:
- Contact Seven Corners Assist before the expense is incurred;
- Comply with Seven Corners Assist’s instructions;
- Notify all medical providers of the pre-certification requirements and ask them to cooperate with Seven Corners Assist.
Once we pre-certify your expenses, we will review them to determine if they are covered by the plan.
If you do not comply with the pre-certification requirements:
- Covered expenses will be reduced by 25%; and
- The deductible will be subtracted from the remaining 75%; and
- 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. Seven Corners Travel Medical covers them through the acute onset of pre-existing conditions benefit.
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 advanced warning either in the form of physician recommendations or symptoms and requires urgent care;
- That occurs while you are covered, after the 168-hour (7-day) waiting period, and
- For which treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
The plan can pay for emergency treatment for the relief of pain to sound natural teeth. Coverage is available if your period of coverage is greater than 30 days.
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.
All emergency services except Natural Disaster Daily Benefit and Terrorist Activity must be coordinated by Seven Corners Assist. Failure to utilize Seven Corners Assist may result in a denial of benefits.*
(separate from medical maximum)
(separate from medical maximum)
If medically necessary, we will arrange and pay for transportation and related medical expenses during transportation to:
- Transport you to the nearest adequate medical facilities.
- Transport you to your home country for treatment or to recover after an emergency medical evacuation.
This benefit applies regardless of whether your hospitalization is related to a pre-existing condition. These benefits must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits.
$25,000 maximum
$50,000 maximum
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.
These benefits 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:
- One-way economy airfare to return the children to their home country; and
- Attendant/escort services to ensure the children’s safety.
These benefits must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits.
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.
These benefits must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may 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.
These benefits must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits.
If you need an emergency evacuation due to a natural disaster, we will arrange and pay for:
- Your natural disaster evacuation;
- Lodging for five days if you are delayed at the safe location; and
- Your return home by means of one-way economy class airfare. Seven Corners security personnel will determine the need for this evacuation in consultation with local governments and security analysts.
These benefits must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits.
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.
We can arrange and pay for your political evacuation and/or return to your home country via one-way economy airfare if:
- A formal recommendation is made for you to leave your host country; or
- You are expelled or declared persona non-grata by the host country.
This benefit will not apply if you did not follow a Level 3 Terrorism, Level 3 Civil Unrest, or any Level 4 Travel Advisory from the U.S. Department of State or similar warnings from authorities of your host country or home country.
These benefits must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits.
If you are injured as a result of terrorist activity, we will reimburse you for medical expenses if the following conditions are met:
- You have no direct or indirect involvement.
- 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 the authorities of your host country or home country issued similar warnings, any of which were in effect within six months of your arrival.
- You departed the country or location following the date a warning to leave 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).
Trip Interruption must be coordinated by Seven Corners Assist. Failure to utilize Seven Corners Assist may result in a denial of benefits.
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 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.
These benefits must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits.
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.
We will pay for eligible court-entered judgments or settlements approved by Seven Corners 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:
- Injury to a third person;
- Damage or loss to a third person’s personal property;
- damage or loss to a relative's personal property.
We cover typical vacation activities. If you plan to participate in more adventurous activities when you travel, consider buying this optional coverage that includes: Bungee jumping; caving; hang gliding; jet skiing; motorcycle, motor scooter or electric scooter riding whether as a passenger or a driver; parachuting; paragliding; parasailing; scuba diving only to a depth of 10 meters with a breathing apparatus provided that 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, electric 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.
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 the legal document that explains how your coverage works and describes all benefits and exclusions for the plan. We recommend you read it, so you understand how your plan works. Refer to the plan document for applicable exclusions.
Travelers must be non-U.S. residents and non-U.S. citizens who are 14 days old of age or older. 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, 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 Korea (North Korea), Islamic Republic of Iran, 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 (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 $25 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 plan document.
Your underwriter is Crum & Forster SPC.
This plan includes 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 2021.
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.
Pre-existing conditions include any medical condition, sickness, injury, illness, disease, mental Illness or mental or nervous disorder including congenital, chronic, subsequent, or recurring complications or resulting or related consequences that existed with reasonable medical certainty when you bought the plan or any time in the 36 months before your coverage on this plan began, whether or not it previously manifested, was symptomatic, known, diagnosed, treated, or disclosed.
This includes, but is not limited to, any medical condition, sickness, injury, illness, disease, mental illness, or mental or nervous disorder for which medical advice, diagnosis, care, or treatment was recommended or received or for which a reasonably prudent person would have sought treatment during the 36 months immediately preceding the start date of this plan.
Many travel insurance plans do not cover pre-existing conditions. Seven Corners Travel Medical covers them through the acute onset of a 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 a sudden and unexpected outbreak or recurrence of a pre-existing condition:
- That occurs spontaneously and without advanced warning either in the form of physician recommendations or symptoms and requires urgent care;
- That occurs while you are covered, after the 168-hour (7-day) waiting period, and;
- For which treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
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 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 treatments existent or necessary prior to departure from your home country and before you 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.
Good Faith Efforts
Seven Corners will make good faith efforts to provide the services and assistance described in this brochure. If Seven Corners is unable to do so due to circumstances beyond its control or due to circumstances that make it unsafe for persons to provide such services and assistance, then Seven Corners will provide the services and assistance to the extent reasonable and possible. If Seven Corners is unable to directly arrange services, expenses incurred by you for services that would otherwise be covered under this plan and that would typically be arranged by Seven Corners may be eligible for reimbursement and should be submitted for consideration. It is your responsibility to preserve all documentation of related financial transactions you wish to be considered for reimbursement.
Seven Corners Travel Medical Including USA
Brochure
Plan Documents
Important Information from Crum & Forster, SPC.
(AH-4170)
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.
24/7 Travel Assistance
- 1-800-335-0611
- 0-317-818-2809 (collect)
- Includes 24 hour multilingual travel assistance, help finding a doctor, and evacuation if necessary.
Your Licensed Agent