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Expertise in offering travel insurance
20+ years!
Expertise in offering travel insurance
20+ years!
Customers from
All U.S. states!
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Customers from over
180 countries!
Customers from over
180 countries!
person Hello,
I recently bought insurance a couple months ago with this company. However now I’m traveling to another destination that I did not select initially.
I am traveling to Tunisia and I’m wondering if my insurance can extend to this country.
The plan that I purchased is Travel Medical Choice from Seven Corners.
Thank you for your help.
Thanks You
LaurenTravel Medical USA Visitor Choice
person Hello,
The Travel Medical Basic will pay the hospital directly or I have to pay and then they will refund me
Thanks You
MonicaThank you for contacting us at American Visitor Insurance for your US visitor medical Insurance needs!
All policies work in the same way. After your purchase you will recieve documentation including an ID card which you should carry with you on your trip. Should you need to use the insurance, you can show your ID card and/or use it to fill out the forms given to you by the doctor/hospital. Ideally, they will then call the insurance company to arrange payment with them. You will still owe them your deductible and coinsurance (which is either 25% for plan A with no cap -- note we do not recommend this plan, or 20% of the first $5000 in medical expenses) which you pay to them directly.
They may say "We don't take your insurance" which really means, they do not want to be bothered to call and arrange payment for you, so in that case (more likely at a doctor's office) you will have to pay up front and submit a claim to the insurance company to get the money back that was overpaid.
This will be the case for all policies and no one can promise they will arrange direct payment since this is up to them only. If you use the Travel Medical Basic Insurance PPO network, direct payment should be more likely, but we have had clients in the network and the provider refused to make the call.As mentioned, this is more likely at a doctor's office and not at a hospital where the bill will be much higher.
Travel Medical Basic
Travel Medical Basic and Travel Medical Choice are available for 364 days.
This the maximum coverage that the plan would offer for the medical expenses. Travel Medical Basic and Travel Medical Choice offers coverage in both Worldwide Including the United States and Worldwide Excluding the United States. In Worldwide Including the United States these plans offers up to $1M and in Worldwide Excluding the United States up to $5M.
This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible. Travel Medical Insurance plans have a deductible range starting from $0 up to $5k.
It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
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Please refer to the Travel Medical Basic ID cards provided by SevenCorners which will have all the necessary information for reimbursement.
When you visit a medical provider, explain to them that you have Travel Medical Basic insurance. Show them your ID card and ask them to call Seven Corners Assist if they wish to verify benefits and eligibility. Some providers may agree to bill Seven Corners directly, but they are not required to do so
Yes, Travel Medical Basic insurance is available up to a total of 364 days. Travelers who had initially bought for less than 364 days and wish to extend their coverage can renew Travel Medical Basic insurance online up to 364 days.
If your travel plan is changed and want to cancel Travel Medical Basic insurance, you have to submit a written request to cancel@sevencorners.com for cancellation and refund of your premium. The subject of the email must contain the first name and last name of the policy holder. While the body of the email must contain the name of the policy holder, birth date, certificate number and date of cancellation. If you have filed claims for reimbursement, your premium is non refundable.
Following are the cancellation policy terms and conditions:
Cancellation after effective date:
Sudden and unexpected outbreak or recurrence of a Pre-Existing Condition(s) that occurs spontaneously and without advanced warning either in the form of Physician recommendations or symptoms and requires urgent care. The Acute Onset of a Pre-Existing Condition(s) must occur after the Effective Date of Coverage and prior to the age shown in the Schedule of Benefits. Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or recurrence. A Pre-Existing Condition that is Congenital or that gradually becomes worse over time is not an Acute Onset of a Pre-Existing Condition. A Pre-Existing Condition will not be considered an Acute Onset of a Pre-Existing Condition(s) if, during the thirty (30) days prior to the acute event, You had a change in prescription or Treatment for a diagnosis related to the acute event. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs, or Treatments existent or necessary prior to arrival in the United States and prior to the Effective Date of Coverage
Travel Medical Basic offers coverage for acute onset of pre-existing conditions for Non US Visitors to USA. Travelers aged up to 69 years can avail coverage up to $15,000. $2,500 coverage for visitors above 70 years for acute onset of pre-existing conditions.
Waiver of Pre-existing Condition for United States Residents outside the United States: The plan pays up to the specified limit for a sudden, unexpected recurrence of a pre-existing condition. This benefit does not cover known, required, or expected treatment of any kind existent or necessary for 12 months prior to your coverage. US Travelers aged up to 69 years can avail coverage up to $25,000. $5,000 coverage for travelers above 70 years for acute onset of pre-existing conditions.
Visitors to USA can review this article on how to use Travel Medical Basic visitor medical insurance in case of emergency in the United States.
Travel Medical Basic insurance offers comprehensive coverage. After the deductible amount. If the US visitor or traveler seeks treatment with the provider network namely “UnitedHealthcare PPO, Multiplan, PHCS out of Area”. When Traveling Outside the United States, you need to visit Wellabroad.com to find healthcare provider or doctor nearest you outside the US. In the US, after the deductible amount, Travel Medical Basic insurance pays 80% of the first $5,000, then 100% up to maximum limit. If the traveler seeks treatment with a doctor or visits a hospital outside the provider network, Travel Medical insurance would pay 70% of the first $5,000, then 100% up to maximum limit. For coverage outside US, the plan pays 100% of the eligible expenses. For detailed working example of how it works, you can review Travel Medical Basic insurance working example.
Please refer to the Travel Medical Choice ID cards provided by SevenCorners at the time of enrolment which will have all the necessary information for reimbursement.
When you visit a medical provider, explain to them that you have Travel Medical Choice insurance. Show them your ID card and ask them to call Seven Corners Assist if they wish to verify benefits and eligibility. Some providers may agree to bill Seven Corners directly, but they are not required to do so.
Yes, Travel Medical Choice insurance is available up to a total of 364 days. Travelers who had initially bought for less than 364 days and wish to extend their coverage can renew Travel Medical Choice insurance online up to 364 days.
If your travel plan is changed and want to cancel Travel Medical Choice insurance, you have to submit a written request to cancel@sevencorners.com for cancellation and refund of your premium. The subject of the email must contain the first name and last name of the policy holder. While the body of the email must contain the name of the policy holder, birth date, certificate number and date of cancellation. If you have filed claims for reimbursement, your premium is non refundable.
Sudden and unexpected outbreak or recurrence of a Pre-Existing Condition(s) that occurs spontaneously and without advanced warning either in the form of Physician recommendations or symptoms and requires urgent care. The Acute Onset of a Pre-Existing Condition(s) must occur after the Effective Date of Coverage and prior to the age shown in the Schedule of Benefits. Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or recurrence. A Pre-Existing Condition that is Congenital or that gradually becomes worse over time is not an Acute Onset of a Pre-Existing Condition. A Pre-Existing Condition will not be considered an Acute Onset of a Pre-Existing Condition(s) if, during the thirty (30) days prior to the acute event, You had a change in prescription or Treatment for a diagnosis related to the acute event. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs, or Treatments existent or necessary prior to arrival in the United States and prior to the Effective Date of Coverage.
Travel Medical Choice offers coverage for acute onset of pre-existing conditions for Non US Visitors to USA. Travelers aged up to 69 years can avail coverage up to $30,000. $5,000 coverage for visitors above 70 years for acute onset of pre-existing conditions.
Waiver of Pre-existing Condition for United States Residents outside the United States: The plan pays up to the specified limit for a sudden, unexpected recurrence of a pre-existing condition. This benefit does not cover known, required, or expected treatment of any kind existent or necessary for 12 months prior to your coverage. US Travelers aged up to 69 years can avail coverage up to $50,000. $10,000 coverage for travelers above 70 years for acute onset of pre-existing conditions.
Travelers can review this article on how to use Travel Medical Choice visitor medical insurance in case of emergency in the United States
Travel Medical Choice insurance offers comprehensive coverage. After the deductible amount. If the US visitor or traveler seeks treatment with the provider network namely “UnitedHealthcare PPO, Multiplan, PHCS out of Area”. When Traveling Outside the United States, you need to visit Wellabroad.com to find healthcare provider or doctor nearest you outside the US. In the US, after the deductible amount, Travel Medical Choice insurance pays 90% of the first $5,000, then 100% up to maximum limit. If the traveler seeks treatment with a doctor or visits a hospital outside the provider network, Travel Medical insurance would pay 80% of the first $5,000, then 100% up to maximum limit. For coverage outside US, the plan pays 100% of the eligible expenses. For detailed working example of how it works, you can review Travel Medical Choice insurance working example.
Yes, Travel Medical Choice insurance satisfies Schengen visa insurance requirements, it has a $50,000 coverage and $0 deductible option for travelers visiting Schengen countries. After buying the plan, to download the Schengen visa letter for Travel Medical Choice insurance, please refer the payment confirmation email that provides you a link "View Coverage Letter" under Summary of Benefits.