Travel Medical Basic Insurance Reviews

Medical Coverage for International Travel Including and Excluding the United States.

Travel Medical Basic Insurance Reviews

Medical Coverage for International Travel Including and Excluding the United States.

Travel Medical Basic Insurance Cost

Age & Citizenship
Destinations
Start Date
End date

Key benefits of Travel Medical Basic

PPO network

Acute onset of a pre-existing condition

Comprehensive plan

Renewability

Emergency medical evacuation

Adventure Activities

Travel Medical Basic Insurance Reviews

Insurance provider
Seven Corners
Travel Medical Basic rating
AM Best Rating: "A" (Excellent)
Travel Medical Basic insurance underwriter
For Including USA Underwritten by Crum & Forster SPC
For Excluding USA Underwriters at Lloyd’s, London
Coinsurance of Travel Medical Basic
In Network - The plan pays 100%
100%
Out of Network
80%

The plan pays 80% of eligible expenses up to $10,000, then 100% up to the Maximum Limit.

Compare Travel Medical Plans
Compare Travel Medical Plans

Travel Medical Basic links

Key Highlights of Travel Medical Basic Insurance

Travel Medical Basic Insurance - Key Highlights

  • This plan can be purchased by individuals traveling outside their home country.
  • There is a coinsurance factor applicable to this insurance. Outside of the US, the plan pays 100%, inside of the US, the plan pays 80% within the PPO network up to the first $5k and 100% after the limit. For out of PPO network, the plan pays 70% up to first $5k and then pays 100%.
  • The maximum lifetime of the plan is 365 days and it can be renewed up to this time.
  • Acute onset of pre-existing condition coverage is available for up to people below 79 years.
View complete details of benefits

A working example of using Travel Medical Basic insurance*

Example - Inside PPO Network

  • Insurance coverage is $50,000
  • Deductible is $100 per certificate period
  • Coinsurance for claims incurred inside US After the deductible, 80% of first $5,000 and then 100% to the policy limit
  • Your claims for medical expenses is $24,100
Below is a simple calculation showing how much the plan/insurance company pays you:
  1. Subtract the deductible from claims amount - $24,100 minus $100 equals $24,000. Insured bears $100
  2. Apply 80% coinsurance for first $5,000 of $24,000. i.e. $5,000*0.80 equals $4000. Insured bears $1,000
  3. Plan/insurance company pays: $24,000 minus $1,000 equals $23,000 and insured bears $1,100
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $100 $0 $100
Days in hospital $2,000/day for 3 days $4,000+$1,000 $1,000 (80% of first $5,000)
Surgery $16,000 $16,000 $0
Prescription Drugs $600 $600 $0
X Ray $1,400 $1,400 $0
Total: $24,100 $23,000 $1,100

Example - Outside PPO Network

  • Insurance coverage is $50,000
  • Deductible is $100 per certificate period
  • Coinsurance for claims incurred inside US After the deductible, 70% of first $5,000 and then 100% to the policy limit
  • Your claims for medical expenses is $24,100
Below is a simple calculation showing how much the plan/insurance company pays you:
  1. Subtract the deductible from claims amount - $24,100 minus $100 equals $24,000. Insured bears $100
  2. Apply 70% coinsurance for first $5,000 of $24,000. i.e. $5,000*0.70 equals $3,500. Insured bears $1,500
  3. Plan/insurance company pays: $24,000 minus $1,500 equals $22,500 and insured bears $1,600
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $100 $0 $100
Days in hospital $2,000/day for 3 days $3500+$1,000 $1500 (70% of first $5,000)
Surgery $16,000 $16,000 $0
Prescription Drugs $600 $600 $0
X Ray $1,400 $1,400 $0
Total: $24,100 $22,500 $1,600
* Disclaimer:- We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.
Get quotes for Travel Medical Basic Insurance!

Review and compare the best Travel Medical Basic Insurance quotes.

Compare Travel Medical Basic Insurance quotes »

Travel Medical Basic Insurance for Schengen visa

schengen
Travel Medical Basic Insurance satisfies Schengen visa requirements. To download the visa letter for Travel Medical Basic insurance, please refer the payment confirmation email that provides you a link "View Coverage Letter" under Summary of Benefits. Click on Schengen Visa Letter button to obtain the letter. List of nationalities who need Schengen Visa.

Travel Medical Basic Insurance visitor insurance - Common Questions

01. Does Travel Medical Basic Insurance covers pre-existing conditions?

Yes, Travel Medical Basic offers coverage for Acute onset of pre-existing conditions are covered up to $25,000 for age under 69 years and a coverage of $2,500 for age of 70-79 for Including USA. For Excluding USA it offers Acute onset of pre-existing conditions are covered up to $25,000 for age under 64 years and a coverage of $5k for age of 65-79.

02. What are the benefits of Travel Medical USA travel insurance?

Travel Medical USA insurance is short term travel health insurance designed for anyone visiting the United States. Travel Medical USA Insurance provides coverage for those who are traveling on vacation. It offers core travel insurance benefits, with coverage from as little as Five days. The benefits offered on the Travel Medical USA Insurance plan provide a range of high quality travel insurance benefits to cover you in the event of an unexpected accident or injury when you are abroad. This includes coverage for medical expenses, evacuation, repatriation, emergency reunion and other related benefits.

03. What is the coverage area of Travel Medical Basic travel insurance?

Travel Medical Basic insurance is short term travel health insurance offers coverage for non-U.S. Residents and non-U.S. Citizens while traveling outside of Your Home Country. Individuals and families including unmarried dependent child(ren) traveling outside of their Home Country.

04. How much does Travel Medical Basic travel insurance cost?

The cost of the Travel Medical Basic travel insurance will vary depending on the age of the traveler, the type of coverage, the travel destination and the duration of travel. Typically, visitors travel insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers.

05. How do I purchase Travel Medical Basic Insurance?

You can purchase Travel Medical USA Insurance on American Visitor Insurance at buy Travel Medical Basic . You can also call them at (877)-340-7910 to get more information on how to apply for Travel Medical Basic travel health insurance from licensed insurance agents.

06. What are the requirements for applying for Travel Medical Basic Insurance?

The main requirements for applying for Travel Medical Basic insurance is the travelers passport details and the travel dates. You can apply for Travel Medical Basic insurance online on American Visitor Insurance or call (877)-340-7910 to get help while applying.

07. What if the traveller pays for a healthcare service and needs reimbursement?

Please refer to the Travel Medical Basic Insurance ID cards provided by SevenCorners which will have all the necessary information for reimbursement.

08. How to use Travel Medical Basic Insurance while receiving treatment?

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.

09. I wish to extend my stay in the US, is it possible to renew Travel Medical Basic Insurance?

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.

10. How can one use Travel Medical Basic Insurance visitor medical insurance in case of emergency in the United states?

Visitors to USA can review this article on how to use Travel Medical Basic Insurance visitor medical insurance in case of emergency in the United States.

11. How does Travel Medical Basic Insurance offer coverage for medical expenses?

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 Basic 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.

Need Help
NEED HELP?
Contact our customer service team
We are here to help you!

What are some insurance terms important in Travel Medical Basic reviews?

  • Plan Maximum coverage of Travel Medical Basic travel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Travel Medical Basic insurance offers coverage in both Worldwide Including the United States and Worldwide Excluding the United States.
    In Worldwide Including the United States
    it offers Ages 14 days to 64 years: $50k; $100k; $500k; $1M
    Ages 65 to 69 years: $50k; $100k
    Ages 70 to 79 years: $50k
    80 years and older: $10k
    In Worldwide Excluding the United States
    it offers Ages 14 days to 64 years: $50k; $100k; $500k; 1M; $2M; $5M
    Ages 65 to 79 years: $50k; $100k
    80 years and older: $10k
  • What is a deductible in Travel Medical Basic visitors insurance?
    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 Basic insurance offer a set of deductible options for the travelers to choose from. Travel Medical Basic insurance has a range of deductible option from Ages 14 days to 64 years: $0; $100; $250; $500; $1k; $2,500; $5k, Ages 65 to 79 years: $0,$250; $500; $1k; $2,500; $5k, 80 years and older: $0, $500; $1k; $2,500; $5k
  • What is a provider network of Travel Medical Basic Medical Insurance?
    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.
  • What is coinsurance in Travel Medical Basic visitor insurance?
    This is a percentage of the bill that the travel has to pay. Travel Medical Basic plan Travel Medical Choice plan have 100% coinsurance coverage outside USA. For coverage inside USA:
    Travel Medical Basic pays
    IN PPO NETWORK
    80% of the first $5k, then 100% to the medical maximum.
    OUT OF PPO NETWORK
    70% of the first $5k, then 100% to the medical maximum.
  • Renewability of Travel Medical Basic Travel health insurance
    Travel Medical Basic Insurance can be renewed from 5 days to 364 days.
  • Eligibility to buy Travel Medical Basic Insurance Online
    Both these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period.
  • Travel Medical Basic Pre-existing conditions Visitors Insurance for international travelers
    Travel Medical Basic insurance offers coverage for acute onset of pre-existing conditions up to the age of 79 years for acute onset of pre-existing conditions.
    Travel Medical Basic offers
    Worldwide Including the United States:
    Ages 14 days to 64 years: $25k
    Ages 65 to 79 years :$2,500
    80 years and older: Not Available.
    Worldwide Excluding the United States:
    Ages 14 days to 64 years: $25k
    Ages 65 to 79 years :$5,000
    80 years and older: Not Available.
Seven Corners Best Comprehensive US Visitors Travel InsuranceClick Here »

Plan details of Travel Medical Basic Insurance

  • adv-icon  Travel Medical Basic Advantages
    • Very affordable plan for short term travel cover.
    • Coverage for non-U.S. Residents and non-U.S. Citizens while traveling outside of Your Home Country.
    • Covers Acute Onset of a Pre-existing Condition are covered up to 79 years.
    • Deductible per policy period.
    • The Benefit period is 180 days to receive treatment from the date of an injury or illness. Initial treatment must occur within 30 days.
    • Cancellation and refund of full premium provided before the policy start date.
    • Covid will be treated same as any Illness.
  • disad-icon  Travel Medical Basic Disadvantages
    • Only $10,000 maximum coverage for 80+ travelers.
    • These plan will not accept a mailing address in Maryland, Washington, New York, South Dakota, and Colorado.
    • These plans do not cover political unstable countries like Syrian Arab Republic, Nigeria, and Sierra Leone and more
  • special-coverage  Travel Medical Basic Restrictions
    • State Restrictions: The plan will not accept a mailing address in Maryland, Washington, New York, South Dakota, and Colorado.
    • Country Restrictions: The plan will not accept an address in Cuba, Islamic Republic of Iran, Syrian Arab Republic, United States Virgin Islands, Gambia, Ghana, Nigeria, Sierra Leone, and Democratic People’s Republic of (North Korea).
    • Destination Restrictions: The plan will not cover trips to Antarctica, Islamic Republic of Iran, Syrian Arab Republic Cuba, and Democratic People’s Republic of Korea (North Korea).
  • exclusion-icon  Travel Medical Basic Exclusions
    1. For Medical Benefits, this insurance does not cover: Pre-existing Conditions which are excluded under this Certificate. This means that any claims for Pre-existing Conditions will not be covered for the duration of this Certificate. This exclusion does not apply to emergency medical evacuation, emergency medical reunion, return of children, return of mortal remains, and local cremation/burial.
    2. Claims not received by the Company or Administrator within ninety (90) days of the date of service:
    3. Treatment that (i) exceeds Usual, Reasonable, and Customary Expenses; (ii) is Investigational, Experimental, or for research purposes; or (iii) received in a Hospital emergency room visit that is not a Medical Emergency;
    4. . Treatment, services, or supplies that are not administered by or under the supervision of a Physician or Surgeon and products that can be purchased without a Physician’s or Surgeon’s prescription;
    5. Routine physicals, inoculations, or other examinations or tests conducted when there is no objective indications or impairments in normal health;
    6. Chiropractic care or acupuncture;
    7. Services, supplies, medications, testing, or Treatment prescribed, performed, or provided by a Relative or Immediate Family Member;
    8. Durable medical equipment;
    9. False teeth, dentures, dental appliances, dental expenses, normal ear or hearing tests, hearing aids, hearing implants, eye refractions, eye examinations for prescribing corrective lenses or eye-glasses unless caused by Accidental Injury, eyeglasses, contact lenses, or eye surgery when the primary purpose is to correct nearsightedness, farsightedness, or astigmatism;
    10. Replacement of artificial limbs, eyes, larynx, and orthotic appliances;
    11. Custodial Care, Educational or Rehabilitative Care, or any Treatment in any establishment for the care of the aged;
    12. Vocational, occupational, sleep, speech, recreational, or music therapy;
    13. Pregnancy, Illness or complications from Pregnancy, childbirth, abortion, miscarriage including that resulting from an Accident, postnatal care, preventing conception or childbirth, artificial insemination, infertility,impotency, sexual dysfunction, or sterilization or reversal thereof;
    14. Sleep apnea or other sleep disorders;
    15. Mental and Nervous Disorder, Rest Cures, learning disabilities, attitudinal disorders, or disciplinary problems;
    16. Congenital abnormalities and conditions arising out of or resulting therefrom.
    17. Temporomandibular joint;
    18. Occupational Diseases;
    19. Exposure to non-medical nuclear radiation or radioactive materials;
    20. Sexually-transmitted diseases, venereal diseases, and conditions and any consequences thereof;
    21. Acquired Immune Deficiency Syndrome (AIDS), AIDS-Related Complex (ARC), or the Human Immunodeficiency Virus (HIV);
    22. Weight reduction programs or the surgical Treatment of obesity including, but not limited to, wiring of the teeth and all forms of intestinal bypass Surgery;
    23. Cosmetic or plastic Surgery including deviated nasal septum; modifications of Your physical body intended to improve Your psychological, mental, or emotional well-being including, but not limited to, sex-change Surgery;
    24. Acne, moles, skin tags, disease of sebaceous glands, seborrhea, sebaceous cyst, unspecified disease of the sebaceous glands, hypertrophic and atrophic conditions of skin, nevus;
    25. Hazardous Activities unless You purchase optional hazardous activities coverage and then only for the activities covered under that option under Section 7;
    26. Injuries sustain while participating in professional Athletics, amateur Athletics, or interscholastic Athletics including, but not limited to, events, games, matches, practice, training camps, sport camps, conditioning, and any other activity related thereto but excluding non-competitive, recreational, or intramural activities;
    27. . Abuse, misuse, illegal use, overuse, dependency upon, or being under the influence of alcohol, drugs, chemicals, or narcotic agents unless administered under the advice of a Physician and taken in accordance with the proper dosing as directed by the Physician;
    28. Suicide or any attempt thereof; self-destruction or any attempt thereof; or any intentionally self-inflicted Injury or Illness;
    29. Terrorist Activity except as provided under Section 5.10; War, Hostilities, or War-Like Operations;
    30. Commission of a criminal offense or any other criminal or illegal activity as defined by the local governing body;
    31. You unreasonably fail or refuse to depart a country or location following the date a warning to leave that country or location is issued by the United States government or similar warnings issued by other appropriate authorities of either Your Host Country or Your Home Country;
    32. Service in the military, naval, coast guard, or air service of any country or while on duty as a member of a police force or unit;
    33. Treatment paid for or furnished under any other individual, government, or group policy or Expenses incurred at no cost to You;
    34. (ii) You while in Your Home Country unless covered under Section 3.8 or 3.9;
    35. Conditions for which travel was undertaken to seek Treatment after Your Physician has limited or restricted travel;
    36. Travel accommodations;
    37. Injury sustained while You are riding as a pilot, student pilot, operator, or crew member, in or on, boarding or alighting, from any type of aircraft;
    38. Injury sustained while You are riding as a passenger in any aircraft (i) not having a current and valid Airworthy Certificate and (i) not piloted by a person who holds a valid and current certificate of competency for piloting such aircraft;
    39. Flying in any aircraft being used for acrobatic or stunt flying, racing, endurance tests, rocket-propelled aircraft, crop dusting or seeding or spraying, firefighting, exploration, pipe or power line inspection, any form of hunting or herding, aerial photography, banner towing, or any experimental purpose; and
    40. Participating in contests of speed or riding or driving in any type of competition
    41. Loss of life;
    42. Long-term disability; or
    43. Financial guarantee, financial default, bankruptcy, or insolvency risks.
  • claims-icon  Travel Medical Basic claims

    Please visit: Seven Corners Claims Forms
    Toll Free Number: 1-800-335-0611 (Seven Corners claims phone number)
    Claims Department:
    Email: claims@sevencorners.com
    Fax: (+1) 317-575-2256
    Seven Corners, Inc
    Attn: Claims
    PO Box 211760
    Eagan, MN 5512

Travel Medical Basic

Provider network and how to find hospital or doctor?

Seven Corners maintains a wide network of health care providers.
In US there are 2 options: United health care and PHCS Out of Area Network.
You need to check your insurance card to find any one of the below 2 logos:
united-healthcare phcs
Outside US: Wellabroad.com to use Seven Corners’ International Network
For the United healthcare PPO network
While calling your provider network, you need to say "my coverage uses United healthcare or Multiplan PPO network and found your name on the registry".
Do not say "I have Travel Medical plans or I use Seven Corners plan". The provider will not identify your coverage and may say that you are not covered.
Find Provider Network

Seven Corners Visitors insurance related links

Seven Corners Insurance related coverage

Seven Corners Insurance related coverage

Compare Seven Corners Travel Medical insurance plans
Click Here »

Resourceful links of Travel Medical insurance

Seven Corners insurance FAQ

Frequently asked questions and answer about travel insurance plans.

Read more »

Travel Medical insurance blog

Blog to compare different Travel Medical insurance plans.

Read more »

Travel Medical insurance forum

Customer queries about Travel Medical insurance plan.

Read more »

Travel Medical Choice blog

Blog about Travel Medical Choice visitor medical insurance.

Read more »

Seven Corners international travel insurance - Resourceful links