Travel Medical Choice Insurance Reviews, Review of Travel Medical Choice Medical Insurance for visiting USA

Travel Medical Choice insurance

Underwriter
For Including USA Underwritten by Crum & Forster SPC

Ratings
AM Best Rating: "A" (Excellent)

Ideal for Cheaper visitor insuranceAcute on set of pre-existing conditions

Travel Medical Choice insurance review

Seven Corners Travel Medical Choice offers comprehensive travel medical insurance for non-U.S. Residents while traveling outside of Your Home Country.This plan offers coverage for acute onset of pre-existing conditions for visitors aged under 80 years. The plan provides travel medical protection, including inpatient and outpatient treatment,Cardiac conditions, emergency medical evacuation, emergency services, trip interruption and more.Coverage can initially be purchased for a minimum of 5 days up to a maximum of 364 days.This plan satisfies schengen visa requirments.

At American Visitor Insurance, USA Travelers can contact the Travel Medical Choice insurance customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!

Travel Medical Choice benefits - Key Highlights

The plan is available for Non US residents traveling to the US.
The age availability is 14 days to 80+years.
There are no state address restrictions for the plan that has coverage including the US.
The country address restrictions applicable are for Cuba, Gambia, Ghana, Iran, Nigeria, North Korea, Sierra Leone, Syria and Virgin Islands United States.
The destination restrictions are Antarctica, Cuba,Iran, North Korea and Syria.
The policy has a medical maximum options available $50k, $100k, $500k and $1M for ages 14 days to 69 years.
The Benefit period is 180 days to receive treatment from the date of an injury or illness. Initial treatment must occur within 30 days.
For emergency medical evacuation and repatriation, coverage of $500k is available(separate from medical maximum).

How much does Travel Medical Choice insurance cost per month?

The Travel Medical Choice insurance cost per month ranges between $94 to $1033. This is dependent on the age of the traveler, the plan maximum and the deductible.

Understandably, the cost of Travel Medical Choice is higher for older travellers as they are more likely to need healthcare while traveling. Also, the higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers up to age of 69 years can choose maximum limits of $50,000, $100,000, $500,000, $1,000,000. Travelers aged 70 to 79 years can choose $50,000 or $100,000 coverage. For travelers above 80 years only $10,000 maximum coverage is available.

Here we are showing Travel Medical Choice travel insurance cost per month with a deductible of $250.

Age of Traveler	Medical Maximum $50,000	Medical Maximum $100,000
19 - 29 years	$94	$119
30 – 39 years	$101	$128
40 – 49 years	$108	$137
50 - 59 years	$192	$241
60 - 64 years	$275	$351
65 – 69 years	$340	$434
70 - 74 years	$493	$668
75 - 79 years	$760	$1033

For senior travelers aged 80 to 99, the cost is $814, with a maximum coverage of $10,000 and a deductible of $250.

Travel Medical Choice Insurance Eligibility

Available for Non US residents traveling to the US.Individuals and families including unmarried dependent children traveling outside of their Home Country.

Seven Corners Travel Medical Choice insurance reviews

Reviews, Ratings and Experiences

The compassionate care you gave me in the handling of my need, in my hour of need, was exemplary! We never felt like we were merely a case number — we felt the sincerity of your heartfelt response, as I shared my heart with you, both by phone and by e-mail correspondence.

| Steve E

Thanks for all the help and continued support you have provided. Although one hopes never to use travel insurance, you were a god-send throughout our ordeal. We couldn’t have done it without your continued assistance. Thanks again for everything.

| Joan

I was unlucky enough to fall ill while abroad, and filed two claims with Seven Corners; I was quite pleased at how easy and straight-forward this process was. My claims were processed quickly and without loads of red-tape. The representatives I spoke with were polite and helpful, as well.

| Kelli M

Advantages and Disadvantages of Travel Medical Choice insurance

Travel Medical Choice Insurance Advantages
- Covers Acute Onset of a Pre-existing Condition are covered up to 79 years.
- Covers cardiac condition and/or stroke under acute onset of a pre-existing conditions.
- Deductible per policy period.
- Cancellation and refund of full premium provided before the policy start date.
- Covid will be treated same as any Illness.
- Travel Medical Choice Schengen visa insurance with $0 deductible satisfies the visa requirements.
Travel Medical Choice Insurance Disadvantages
- Only $10k maximum coverage for 80+ travelers.
- The maximum duration of the policy including renewals cannot exceed 12 months.
- 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

An Overview of Seven Corners Travel Medical Choice Insurance

Eligibility

The plan is available for Non US residents traveling to the US.
Individuals and families including unmarried dependent child(ren) traveling outside of their Home Country.

Renewability

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. $5 administrative fee is charged for each renewal.

Pre-existing condition

Cardiac Condition and/or Stroke:
Ages 14 days to 69 years: $50,000
Ages 70 to 79 years: $5,000
80 years and old: N/A
Other than Cardiac Condition and/or Stroke:
Ages 14 days to 69 years: $75,000
Ages 70 to 79 years: $7.5k
80 years and old: N/A

Refund

Seven Corners will provide a refund of your plan cost if they receive a written request from you prior to your coverage start date. If they receive your written request after your coverage start date, the unused portion of your plan cost may be refunded minus a cancellation fee if you have not submitted any claims.

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, Gambia, Ghana, Iran, Nigeria, North Korea, Russia, Sierra Leone, Syria, and U.S. Virgin Islands
Destination Restrictions: The plan will not cover trips to Antarctica, Cuba, Iran, North Korea, Russia and Syria

Travel Medical Choice Optional riders

The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

Adventure Activities Coverage
Optional coverage for Adventure Activities
Covers up to medical maximum

The company will reimburse you for covered expenses up to the amount in the schedule of benefits resulting from an injury sustained while participating in any of the following activities:

Bungee jumping; caving; hang gliding; hot air ballooning as a passenger; jet skiing; kayaking, excluding white water; motorcycle up to 250cc or motor scooter riding whether as a passenger or a driver; Micromobility Vehicle(s); non-hunting safaris, including boat safaris, bush walking, camping or lodging, game drives, horseback or camel safaris, night safaris, or walking safaris; Parachuting; paragliding; parasailing; scuba diving only to a depth of thirty (30) meters with a breathing apparatus provided that You are SSI, PADI or NAUI certified; Sky Diving in tandem with an instructor; snowmobiling; spelunking; surfing, bodyboarding, or wakeboard riding waves up to two (2) feet high as forecasted by the National Weather Service or similar government entity; water skiing; windsurfing; or zip lining.

A working example of using Travel Medical Choice insurance*

full_coverage
Insurance coverage $50,000
attach_money
Deductible $100 per certificate period
draft
Medical expenses Claims$24,100
draft
Coinsurance for claims incurred inside USAfter the deductible, 80% of first $5,000 and then 100% to the policy limit

Below is a simple calculation showing how much the plan/insurance company pays you:

Subtract the deductible from claims amount - $24,100 minus $100 equals $24,000. Insured bears $100
Apply 80% coinsurance for first $5,000 of $24,000. i.e. $5,000*0.80 equals $4000. Insured bears $1,000
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

* 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.

Compare Seven Corners Travel Medical insurance

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Travel Medical Choice Insurance - FAQ's

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.

Travel Medical Choice insurance is short term travel health insurance offers coverage for non-U.S. Residents while traveling outside of Your Home Country. Individuals and families including unmarried dependent child(ren) traveling outside of their Home Country.This plans covers coverage for covid19

Yes, Travel Medical Choice offers coverage for the acute onset of pre-existing condition coverage with cardiac condition and/or stroke for age range of 14 days to 69 years, $50k coverage is available and for age range of 70 to 79 years, $5k coverage is available and other than cardiac condition and/or stroke for age range of 14 days to 69 years, $75k coverage is available and for age range of 70 to 79 years, $7,500 coverage is available for Including USA .

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

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

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

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.
Following are the cancellation policy terms and conditions:
Cancellation before effective date:

Full refund of premium.

Cancellation after effective date:

A cancellation fee will be charged will be charged by the insurance company.
Unused portion of the plan cost will be refunded.

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.

Visitors to USA can review this article on how to use travel mdical 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 80% of the first $5k, 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 $5k, 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.

Travel Medical Choice insurance - PPO network

Provider network and how to find hospital or doctor? Seven Corners maintains United health care 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.

local_hospital Find Provider Network