Wander® Frequent Traveler Plus — Annual Travel Insurance (Long Term Travel Insurance)
Annual travel insurance with Coronavirus coverage.
Your Licensed Agent
Seven Corners, Inc. Online
The world has changed, and travel is different now, so you may be thinking to yourself: “what travel insurance do I need?”
If you travel abroad frequently, you need the convenience of an annual travel insurance plan, or long-term travel insurance, for multiple trips.
You also need high limits of medical protection, including coverage for COVID-19 expenses and other illnesses and injuries that occur when you travel. Wander Frequent Traveler Plus meets those needs.
Specialized Annual COVID-19 Coverage
Provides pandemic travel insurance up to $1,000,000.*
Emergency medical evacuation benefit of $1,000,000.
*Coverage is limited for 65 years and older. See Schedule of Benefits below for details.
How does Wander Frequent Traveler Plus provide convenience and protection?
- Purchase coverage once a year and then travel as often as you like.
- Customize your coverage by selecting your trip length, choosing from 30-, 45-, and 60-day trip lengths. You’re covered for international trips for the trip length selected.
- You can also choose your deductible, which applies per covered trip.
Is Emergency Medical Evacuation important?
This benefit helps if you become sick or hurt while traveling abroad. If the medical facility where you are located cannot 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.
Annual Coronavirus Travel Insurance Benefits
Wander® Frequent Traveler Plus
Covers up to 10 travelers.
Worldwide excluding the United States
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. 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.
$15 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.
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:
- 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 72-hour (3-day) waiting period, and
- For which treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
Coverage ceases on the earliest of:
- The condition no longer being considered acute; or
- Your discharge from the hospital.
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.
$50 copay
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.
All emergency services except Natural Disaster Daily Benefit and Terrorist Activity must be coordinated by Seven Corners Assist.
(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.
$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.
14 days to 18 years old:
19 to 74 years old:
$5,000
$25,000
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.
14 days to 18 years old:
19 to 74 years old:
$25,000
$50,000
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 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.
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 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.
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:
- 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 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.
To be covered, 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.**
United States citizens, including those with dual citizenship, and Green Card/Permanent Resident cardholders cannot buy this plan for travel to the United States and U.S. territories.
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, Russian Federation, Sierra Leone, Syrian Arab Republic, Ukraine, and United States Virgin Islands.
*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.
You can take as many covered trips as you want. You are covered when traveling outside of your home country on a covered trip for the trip length option you selected.
Trip length options include: 30-day trips, 45-day trips, 60-day trips.
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.
You are covered when traveling outside of your home country, which is the country where you have your permanent residence.
We cannot cover trips to Antarctica, Cuba, Democratic People's Republic of Korea (North Korea), Islamic Republic of Iran, Russian Federation, Ukraine, and Syrian Arab Republic.
Your period of coverage is 364 days. At the end of 364 days, 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.
Your coverage begins on your effective date, which is the later of the following:
- 12 a.m. the day after we receive your application and correct payment if you apply online; or
- 12 a.m. on the date you request on your application.
The coverage for each covered trip begins when you depart from your home country.
All times above refer to United States Eastern Time.
Your coverage ends on your expiration date, which is the earliest of the following:
- 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.
Coverage for each covered trip ends the earliest of:
- The certificate end date;
- 11:59 p.m. on the last day of any covered trip;
- The moment you arrive in your home country except as provided by Extension of Benefits in the Home Country; or
- The moment you are no longer eligible for coverage.
All times above refer to United States Eastern Time.
It provides secondary coverage. All coverages except Common Carrier Accidental Death & 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.
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.
You can find situations and items not covered by this plan in the exclusions section of the plan document.
You can feel confident with Wander Frequent Traveler Plus’ strong financial backing through Certain Underwriters at Lloyd’s, London1 an established organization with an AM Best rating of A (Excellent). Your coverage will be there when you need it.
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 emergency or travel needs.
1In specific scenarios, coverage is provided by Tramont Insurance Company Limited. For details regarding Tramont, visit tramontinsurance.com.
Medical Benefits and Coverage
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.
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 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.
They are covered 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. See the Acute Onset of Pre-existing Conditions section of these FAQs for details.
Acute Onset of Pre-existing Conditions
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:
- 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 on the earlier of:
- 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 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.
PPACA – Patient Protection and Affordable Care Act
The insurance provided is not subject to, is not intended to comply with, and does not provide all benefits required by PPACA. This insurance is not qualifying health coverage (“minimum essential coverage”) that satisfies the health care coverage requirement of PPACA. If an insured person does not have minimum essential coverage, he or she may owe an additional payment with his or her taxes. Insured persons are responsible for determining if and how PPACA is applicable to him or her and should consult his or her own tax advisors. Neither the company nor the administrator shall have liability whatsoever for an insured person’s failure to obtain PPACA-compliant coverage.
Good Faith Efforts
Seven Corners will make good faith efforts to provide the services and assistance described on this web page. 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.
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 of the plan document will prevail. Benefits and plan costs 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; it is an interim travel medical program intended for use while away from your home country or country of residence.
It is your responsibility to maintain all records regarding travel history and age and provide necessary documents to Seven Corners to verify eligibility requirements.
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.
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.
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