Travel Medical USA Visitor Basic & Choice

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.

Non-United States citizens who are traveling to the USA can buy Seven Corners Travel Medical USA Visitor. You may buy coverage for yourself, your spouse, your children, and your traveling companions. To be covered, you must be at least 14 days of age and younger than 100 years of age.

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, Israel, Nigeria, Sierra Leone, Syrian Arab Republic, and United States Virgin Islands.

If you wish to buy this plan, your travel destination must be the USA.

The plan provides limited coverage for travel to additional countries for trips that originate in the USA. See the International Travel Coverage benefit for details.

We cannot cover trips to Antarctica, Cuba, Democratic People’s Republic of Korea (North Korea), Islamic Republic of Iran, Israel, and Syrian Arab Republic.

You can buy up to 364 days of coverage. If you buy less than 364 days, we will email you an extension notice before coverage ends. There is a $5 fee for each extension. If you purchase Seven Corners Travel Medical USA Visitor Choice, you can extend your coverage up to 1,092 days (3 years).

Your plan's effective date is the start date of your plan, which begins at the latest of the following times:

1. 12 a.m. the day after we receive your application and correct payment if you apply online;
2. The moment you depart your home country;
3. 12 a.m. on the date you request on your application.

All times above refer to United States Eastern Time.

Your coverage ends on your expiration date, which is the earliest of the following times:

1. The moment you return to your home country (except for coverage provided by the Incidental Trips to Home Country benefit);
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 premium; or
5. The moment you fail to be eligible for the plan.

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. 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 plan document.

Your underwriter is Crum & Forster SPC.

This plan includes international 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 2023.

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.

Find medical providers using our online tools or contact Seven Corners Assist.

Inside the United States — With the Seven Corners Travel Medical USA Visitor plan, you may seek treatment from any medical facility or provider you wish.

Outside of the United States — Seven Corners has a large directory of providers, and many of them have agreed to bill us 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 injury or illness, including mental illness or mental or nervous disorder, which meet one or more of the following criteria before your effective date of coverage:

1. You were diagnosed;
2. You received treatment;
3. Treatment was recommended to You;
4. There is reasonable medical certainty that the injury or illness existed within the last 36 months, whether or not it previously manifested, was symptomatic, known, diagnosed, treated, or disclosed.

This includes any chronic, subsequent, 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 Visitor USA 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.

An Acute Onset of Pre-Existing Conditions 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;
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.

Coverage 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 treatments existent or necessary prior to arrival in the USA 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.