Wander® Frequent Traveler Plus — Annual Travel Insurance

Annual travel insurance with Coronavirus coverage.



 

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.

Specialized COVID-19 Coverage:

Wander Frequent Traveler Plus provides pandemic travel insurance with up to $100,000* in medical expenses for:

  • COVID-19 (the disease);
  • SARS-Cov-2; and
  • Any mutation or variation of SARS-CoV-2.

We encourage you to ensure you're healthy before you travel. Coverage for COVID-19 treatment is subject to all plan conditions and is not covered if you contract it before your plan begins.

*Travelers 65 to 74 years old are limited to $50,000. Coverage begins when you depart your home country. Wander Frequent Traveler Plus requires you to maintain continuous medical coverage in your home country. Question

Emergency Evacuation Protection: Wander Frequent Traveler Plus also includes $1 million of additional coverage for emergency medical evacuation and repatriation.

This benefit is an important part of a travel insurance plan that could come into play if you become seriously sick or hurt while traveling abroad. If the medical facility where you are located is unable to provide the level of care required for your medical condition, our medical team will connect with your attending physician to determine if a medically necessary emergency medical evacuation is needed. If so, we will arrange and pay to transport you to the nearest facility that can provide the care you need.

Convenience Protection: Because it’s an annual plan, Wander Frequent Travelers Plus is convenient. Purchase coverage once a year and travel as often as you like. You can customize your coverage by selecting your trip length, choosing from 30-, 45-, and 60-day trip lengths. Because of Wander Plus' versatility, many companies use it as an annual business travel insurance policy to ensure team members who take frequent trips are well protected with medical coverage.

Purchase coverage once a year and travel as often as you like. You can customize your coverage by selecting your trip length, choosing from 30-, 45-, and 60-day trip lengths. Because of Wander Plus' versatility, many companies use it as an annual business travel insurance policy to ensure team members who take frequent trips are well protected with medical coverage.

Annual Coronavirus Travel Insurance Benefits

All yearly travel insurance benefits listed in this Schedule of Benefits are in United States Dollar amounts. All medical and dental benefits are subject to deductible and/or copay and coinsurance. Unless otherwise stated, all benefits are per person, per period of coverage, and they are provided up to the amount shown.

 
Plan Options

364 days

Coverage Area

Worldwide including the United States
Worldwide excluding the United States

Covered Ages

14 days to 74 years

90 days

Ages 14 days to 64 years old: $1,000,000 
Ages 65 to 74 years old: $50,000

$0; $250; $500 (per covered trip)

Coinsurance Options (The plan pays)

In United HealthCare PPO Network Inside the United States

Inside the United States
We pay 90% of the first $5,000, then 100% to the medical maximum.

Outside the United States
We pay 100%.
Medical

Usual, Reasonable, and Customary (URC) up to the medical maximum

Age 14 days to 64 years old: $100,000
Age 65 to 74 years old: $50,000

Local Ambulance

Up to the medical maximum

Urgent Care Visits

URC up to the medical maximum
$15 copay

URC up to medical maximum

Physiotherapy and Chiropractic Care

$50 per visit, 10 visits maximum

$100 per day, 10-day limit per occurrence

$5,000

Required inside the United States for specific types of treatment. Penalty does not apply to a medical emergency.

Ages 14 days to 64 years old: $20,000
Ages 65 to 74 years old: $2,500

$200 per day
$3,000 maximum

Dental
$250
Up to medical maximum
Vision
$100 per occurrence
$50 copay
Emergency Services and Assistance
All emergency services except Natural Disaster Daily Benefit and Terrorist Activity must be coordinated by Seven Corners Assist.
$1,000,000 (separate from medical maximum)
$200 per day, 10-day limit / $50,000 maximum limit
$50,000
$50,000
$5,000
$50,000
$100 per day, 5-day limit
$10,000
$50,000
Included
Accidental Death and Dismemberment (AD&D)

Primary Insured or Eligible Spouse: $25,000 Principal Sum
Eligible Dependent Child(ren): $5,000 Principal Sum
(aggregate limit of $250,000 for total number of insureds on the plan)

Primary Insured or Eligible Spouse: $50,000 Principal Sum
Eligible Dependent Child(ren): $25,000 Principal Sum
(aggregate limit of $250,000 for total number of insureds on the plan)

Other Travel Benefits
$50 per article
$500 per occurrence
$250 per occurrence
$5,000
$100 per day, 2-day limit per occurrence
$200
$550
$25,000
Optional Coverage
Up to medical maximum

How Annual Travel Insurance for Coronavirus 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 desc col-12 col-md-6ribes all benefits and exclusions for our annual travel medical insurance plan. We recommend you read your plan document, so you understand how your Wander Frequent Traveler Plus plan works.

Who Can Buy a Wander Frequent Traveler Plus Plan?

To buy coverage, you must be at least 14 days old and under the age of 75. You may buy coverage for yourself, your legal spouse, domestic partner, or civil partner, and unmarried dependent children under the age of 19.

Everyone listed on the plan must maintain continuous medical insurance* that provides coverage in their home country.**

Where can I travel?

You are covered when traveling outside of your home country, which is the country where you have your permanent residence. United States citizens, including those with dual citizenship, cannot buy this plan for travel to the United States and U.S. territories.

How Does the Plan Work?

You are covered when traveling outside of your home country on a covered trip.*** You select your covered trip length when you buy your plan. Options include: 30-day trips, 45-day trips, 60-day trips.

United States citizens, including those with dual citizenship, cannot buy Wander Frequent Traveler Plus for travel to the United States and U.S. territories.

*Continuous medical insurance refers to a primary health plan. It is a group health benefit plan, an individual health benefit plan, or a governmental health plan (not Medicaid, Medicare, and V.A. health plans) designed to be the first payor of claims in effect before this plan begins and continuing as long as this plan does. Such plans must have coverage limits in excess of $50,000 per incident or per year.

**What is my home country? For non-United States citizens, home country is the country where you have your permanent residence. For United States citizens, home country is always the United States.

***A covered trip is a period of travel outside your home country with defined departure and return dates. It begins when you depart your home country and ends when you return to your home country or the moment you remain outside your home country beyond the covered trip length option you purchased.

Finding Medical Providers

Network providers can be located at: sevencorners.com/help/find-a-doctor or by contacting Seven Corners Assist.

Inside the United States We offer an extensive network of providers with special network pricing and potential savings for you.

United Healthcare

Through Seven Corners’ relationship with UnitedHealthcare, you have access to one of the largest networks in the United States.

  • 1.4M physicians
  • 6500 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.

Underwriter

Wander® Frequent Traveler Plus has strong financial backing through Certain Underwriters at Lloyd’s, London1 an established organization with an AM Best rating of A (Excellent). Rest assured, your coverage will be there when you need it.

1 In specific scenarios, coverage is provided by Tramont Insurance Company Limited. For details regarding Tramont, visit tramontinsurance.com.
About Your Insurance Company

Seven Corners will handle your insurance needs from start to finish. We will process your purchase, provide all documents, and handle any claims. In addition, our own 24/7 in-house travel assistance team, Seven Corners Assist, will handle your travel needs.

Good Faith Efforts

Seven Corners will make good faith efforts to provide the services and assistance desc col-12 col-md-6ribed 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.

Length of Yearly Travel Coverage

Coverage Length — Your period of coverage is 364 days.

Effective Date — This is the start date of your plan, which begins on the latest of the following:

  1. 12 a.m. the day after we receive your application and correct payment; or
  2. 12 a.m. on the date you request when you purchase your plan.

Expiration Date — This is the date coverage for you ends, which is the earliest of the following:

  1. 11:59 p.m. on the date you reach the maximum period of coverage;
  2. 11:59 p.m. on the date shown on your ID card;
  3. 11:59 p.m. on the date that is the end of the period for which you paid; or
  4. 4) The moment you are no longer eligible for coverage.

Covered Trips — You are covered for each trip as follows while traveling outside your home country:

  1. If you bought the 30-day Covered Trip Length, you are covered for trips of 30 days or less;
  2. If you bought the 45-day Covered Trip Length, you are covered for trips of 45 days or less;
  3. If you bought the 60-day Covered Trip Length, you are covered for trips of 60 days or less.

Coverage for each covered trip starts the moment you depart your home country.

Coverage for each covered trip ends the earliest of:

  1. The certificate end date;
  2. 11:59 p.m. on the last day of any covered trip;
  3. The moment you arrive in your home country except as provided by Extension of Benefits in the Home Country; or
  4. The moment you are no longer eligible for coverage.

All times above refer to United States Eastern Time.

Extending Your Coverage

At the end of 364 days of coverage, you may buy a new plan to cover you for your next year of travel.

We will email you a reminder to let you know your coverage is coming to an end, so you can buy a new plan.


Refund Policy for Annual Travel Insurance Plan

We will refund your payment if we receive your written request for a refund before your effective date of coverage. We cannot provide a refund after your coverage has begun.


Excess Insurance

All coverages except Common Carrier Accidental Death and Dismemberment are in excess of all other insurance or similar benefit programs and shall apply only when such benefits thereunder are exhausted.

This plan is secondary coverage to any other insurance. Such other insurance or similar benefit programs may include, but are not limited to, membership benefit; workers’ compensation benefits or programs; government programs; group or blanket coverage; prepayment coverage; union, labor, or employee plans; socialized insurance program or program otherwise required by law or statute; automobile insurance; or third-party liability insurance.

Pre-existing Conditions Coverage for Annual Coronavirus Travel Insurance

What is a pre-existing condition?

It is any medical condition, sickness, injury, illness, disease, mental illness or mental or nervous disorder, including congenital, chronic, subsequent, or recurring complications or related consequences or resulting 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 previously manifested, 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 the plan.

*For insured persons traveling outside the United States, the period is 12 months instead of 36 months.

How do we cover pre-existing conditions?

Pre-existing conditions are often not covered by travel insurance. We provide coverage for them in two different ways.

Myocardial Infarction (Heart Attack) and Stroke
Non-United States citizens traveling inside the United States
This plan can pay the stated amount for each night you are hospitalized in the United States for a heart attack or stroke.

Acute Onset of Pre-existing Conditions
United States citizens traveling outside the United States
This plan can pay for eligible medical expenses incurred outside the United States for pre-existing conditions.

ACUTE ONSET OF PRE-EXISTING CONDITIONS

What is an acute onset of a pre-existing condition?

It 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.

A pre-existing condition is not an acute onset of a pre-existing condition if:

  1. The condition is chronic, congenital, or gradually becomes worse over time; or
  2. 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 on the earlier of:

  1. The condition no longer being acute; or
  2. 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 the U.S. 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.

Wander Frequent Traveler Exclusions and Restrictions

Exclusions

Refer to the plan document to view exclusions.

Geographic Restrictions

State Restrictions — We cannot sell to persons domiciled in Maryland, Washington, New York, South Dakota, and Colorado.

Country Restrictions — We cannot sell to persons domiciled in Cuba, Islamic Republic of Iran, Syrian Arab Republic, United States Virgin Islands, Gambia, Ghana, Nigeria, Sierra Leone, and Democratic People's Republic of Korea (North Korea).

Destination Restrictions — We cannot cover trips to Antarctica, Islamic Republic of Iran, Syrian Arab Republic, Cuba, and Democratic People's Republic of Korea (North Korea).

PPACA Disclaimer

Patient Protection and Affordable Care Act: THIS IS NOT QUALIFYING HEALTH COVERAGE (“MINIMUM ESSENTIAL COVERAGE”) THAT SATISFIES THE HEALTH CARE COVERAGE REQUIREMENT OF THE AFFORDABLE CARE ACT. IF YOU DON’T HAVE MINIMUM ESSENTIAL COVERAGE, YOU MAY OWE AN ADDITIONAL PAYMENT WITH YOUR TAXES.

Wander Frequent Traveler Plus Brochure and Plan Documents

Wander Frequent Traveler

Brochure

Plan Documents

This website is intended as a brief summary of benefits and services. It is not part of your plan document and does not contain a complete summary of your coverage. If there is any difference between this website and your plan document, the provisions in the plan document will prevail. Benefits and premiums are subject to change. Coverage may vary and may not be available in all jurisdictions.

Please be aware this coverage is not a general health insurance plan, but an interim, limited benefit period, travel medical program intended for use while away from your home country.

It is your responsibility to maintain all records regarding travel history, age, and provide necessary documents to Seven Corners to verify your eligibility for coverage.

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 does not and cannot guarantee clinical outcomes. Insurance coverage provided by Seven Corners.