Travel Medical Insurance for Trips Including the USA

Travelers must be non-U.S. residents 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.

If you are a Green Card/Permanent Resident Card holder, you may not buy this plan.

Country Restrictions — We cannot sell to persons who are a resident of Australia, Cuba, Democratic People’s Republic of Korea (North Korea), Gambia, Ghana, Islamic Republic of Iran, Nigeria, Sierra Leone, Syrian Arab Republic, United States, 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 Afghanistan, Antarctica, Belarus, Cuba, Haiti, Iraq, Islamic Republic of Iran, Israel, Democratic People’s Republic of Korea (North Korea), Lebanon, Libyan Arab Jamahiriya, Myanmar, Palestinian Territory Occupied, Russian Federation, South Sudan, Sudan, Syrian Arab Republic, and Yemen.

Your plan’s effective date is the start date of your plan, on the later of the following:

1. 12 a.m. the day after we receive your application and correct payment;
2. The moment you depart your home country;
3. 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:

1. The moment you return to your home country (except for coverage through Incidental Trips to Home Country and Extension of Benefits in Home Country);
2. 11:59 p.m. on the date you reach the maximum period of coverage;
3. 11:59 p.m. on the date shown on your ID card;
4. 11:59 p.m. on the date that is the end of the period for which you paid; or
5. 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.

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.

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.

*PPO networks are not provided by Crum & Forster, SPC.

It is any injury or illness, including mental illness, which meets 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, consequences related thereto or resulting therefrom, 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.

This benefit covers the first acute onset of a pre-existing condition that occurs during your period of coverage. 

An Acute Onset of a Pre-Existing Condition is the occurrence of a pre-existing condition that meets these criteria:

1. It is sudden, unexpected, and occurs without advanced warning;
2. It is a medical emergency;
3. It occurs during the period of coverage, and after the 168-hour (7-day) waiting period;
4. You obtained treatment within 24 hours of the occurrence;
5. You did not have a change in prescription or treatment related to the underlying pre-existing condition within the last 30 days; and
6. 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:

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 begins 168 hours after the effective date of coverage and ends when the first of these events occurs:

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 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.

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.