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Travel Medical Plus Insurance Reviews

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Travel Medical Plus Insurance Review

Travel Medical Plus
Insurance provider
Seven Corners
Plan life
5 days to 364 days
Deductible options?
$0, $100, $250, $500, $1,000, $5,000
Policy maximum?
$50,000; $100,000; $500,000; 1,000,000; $2,000,000; $5,000,000
Travel Medical Plus Underwriter
Underwritten by Crum & Forster SPC
Travel Medical Plus Rating
AM Best Rating: "A" (Excellent)

Travel Medical Plus Links

Travel Medical Plus satisfies Schengen visa insurance requirements

SCHENGEN VISA LETTER

Seven Corners Travel Medical Plus Insurance satisfies Schengen requirements. Choose a $0 deductible to be sure you meet Schengen visa travel insurance requirements. Travelers who are 65 years and older will not meet the minimum requirements for a Schengen visa on the Travel Medical Plus Insurance.

To download the visa letter for Travel Medical Plus insurance, please refer the payment confirmation email that provides you a link "View Coverage Letter" under Summary of Benefits. List of nationalities who need Schengen Visa.

Plan details of Travel Medical Plus Insurance

  • special-coverage Which are the geographic restrictions for Travel Medical Plus insurance?
    Travel Medical Plus Insurance 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 Korea (North Korea).
    • Destination Restrictions: The plan will not cover trips to to Antarctica, Islamic Republic of Iran, Syrian Arab Republic, Cuba, and Democratic People's Republic of Korea (North Korea).
  • exclusion-icon Travel Medical Plus Insurance Exclusions
    1. Pre-Existing Condition(s) except as waived under Waiver of Pre-Existing Conditions and Acute Onset of Pre-Existing Conditions.
    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. Human organ or tissue transplants;
    23. Exercise programs whether prescribed or recommended by a Physician or therapist;
    24. 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;
    25. 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;
    26. Acne, moles, skin tags, disease of sebaceous glands, seborrhea, sebaceous cyst, unspecified disease of the sebaceous glands, hypertrophic and atrophic conditions of skin, nevus;
    27. Hazardous Activities unless You purchase optional hazardous activities coverage and then only for the activities covered under that option under Optional Coverage – Hazardous Activities;
    28. 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;
    29. 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;
    30. Suicide or any attempt thereof; self-destruction or any attempt thereof; or any intentionally self- inflicted Injury or Illness;
    31. Terrorist Activity except as provided under Terrorist Activity; War, Hostilities, or War-Like Operations;
    32. Commission of a criminal offense or any other criminal or illegal activity as defined by the local governing body;
    33. 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;
    34. 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;
    35. Treatment paid for or furnished under any other individual, government, or group policy or Expenses incurred at no cost to You;
    36. You while in Your Home Country unless covered under Extension of Benefits in Home Country or Incidental Trips to Home Country;
    37. Conditions for which travel was undertaken to seek Treatment after Your Physician has limited or restricted travel; Travel accommodations;
    38. 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;
    39. 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;
    40. 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
    41. Participating in contests of speed or riding or driving in any type of competition;
    42. Loss of life;
    43. Long-term disability; or
    44. Financial guarantee, financial default, bankruptcy, or insolvency risks.
  • claims-icon How are Travel Medical Plus insurance claims settled?
    Travel Medical Plus Insurance 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

A working example of using Travel Medical Plus insurance

Example - Inside the PPO Network

  • Insurance coverage is $50,000
  • Deductible is $100 per certificate period
  • Coinsurance for claims incurred inside US After the deductible, underwriters will pay 100% up to the policy limit
  • Your claims for medical expenses is $17,850
Below is a simple calculation showing how much the plan/insurance company pays you:
  1. Subtract the deductible from claims amount - $17,850 minus $100 equals $17,750. Insured bears $100
  2. Apply 100% coinsurance
  3. Plan/insurance company pays 100%: $17,850 and insured bears $100
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $100 $0 $100
Days in hospital $2,000/day for 3 days $4,500+$1,000 $500 (90% of first $5,000)
Hospital Indemnity $250/day for 3 days $150/day for 3 days $300
Felonious assault $11,000 $10,000 $1,000
Total: $17,850 $15,950 1,900

Example - Out of 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 - $17,850 minus $100 equals $17,750. Insured bears $100
  2. Apply 80% coinsurance for first $5,000 of $17,850. i.e. $5,000*0.80 equals $4000. Insured bears $1,000
  3. Plan/insurance company pays: $17,850 minus $1,000 equals $16,850 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)
Hospital Indemnity $250/day for 3 days $150/day for 3 days $300
Felonious assault $11,000 $10,000 $1,000
Total: $17,850 $15,450 2,400
* 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.
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Travel Medical Plus Insurance - Frequently asked questions

Is Seven Corners a real insurance company? Is Seven Corners Legit ? Is Seven Corners a good insurance company ?

Seven Corners Inc. has been offering travel insurance products since 1997. Seven Corners travel insurance is based out of Carmel, Indiana has over 200 employees and offers both domestic and international travel insurance plans . With their Travel Medical insurance and Inbound USA insurance products Seven Corners insurance provides travelers with health coverage ,safety and security for travelers away from home country and with the US.

It caters to different types of travelers coming to the United States such as on B1 visa, students on F1 visa and professionals on the H1B visa. They also offer travel insurance coverage for US travelers who want trip cancellation insurance for travel insurance.

Do Seven Corners travel insurance cover Covid?

Yes, SevenCorners covid insurance has Covid19 coverage as any other illness with their Travel Medical plus plan.The Travel Medical Plus insurance product covers covid19 for international travelers and this coverage benefit is provided regardless of the variant of SARS-CoV-2.

Does Seven Corners offer Cancel for Any Reason Insurance?

Yes, Seven Corners insurance offers Cancel for any reason cover as an add-on cover that can be included in their Round trip insurance plans.

Does Travel Medical Plus plan cover COVID-19?

Yes. See the schedule of benefits and benefit highlights in this brochure for details. Please be aware this coverage is not a general health insurance plan, but an interim, limited benefit period, travel medical program intended for use while away from your home country.

Does Travel Medical Plus Insurance cover covid illness?

Seven Corners Covid19 travel insurance by Travel Medical Plus travel insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion

Steps to compare and buy travel insurance online

Step 1: Finding the available international travel insurance plans

Complete the travel insurance quote request form by providing details of the traveler and insurance requirements.

Step 2: Compare the different travel insurance options

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

Step 3: Buy the travel insurance that you like best

Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.

Step 4: Review the travel insurance plan documents received by email

Review the travel insurance policy documents received by email closely for coverage details and relevant contact numbers.

Factors that determine the cost of US travel insurance plans

1.
Age of the traveler
The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.
2.
Type of travel insurance:
Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance.
3.
Medical maximum coverage and deductible options
The price of visitors medical insurance is directly dependant on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.
4.
Region of coverage
Travel insurance depends on the coverage region. The cost for visitor health insurance for the United States is most expensive.
5.
Duration of travel insurance
The longer the duration of visitor medical insurance required, the higher will be the cost.

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

  • Plan Maximum coverage of Travel Medical Plus travel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Travel Medical Plus insurance offers maximum coverage up to 5 million.
  • What is a deductible in Travel Medical Plus 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 Plus insurance offer a set of deductible options for the travelers to choose from. Travel Medical Plus insurance has a range of deductible option from $0 up to $5,000.
  • What is a provider network of Travel Medical Plus 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 Plus visitor insurance?
    This is a percentage of the bill that the travel has to pay. Travel Medical Plus plan have 100% coinsurance coverage outside USA.
    For coverage inside USA:
    Travel Medical Plus pays
    IN PPO NETWORK
    The plan pays 90% of the first $5,000, then 100% to the medical maximum.
    OUT OF PPO NETWORK
    The plan pays 80% of the first $5,000, then 100% to the medical maximum.
  • Renewability of Travel Medical Plus Travel health insurance
    Travel Medical Plus Insurance can be renewed from 5 days to 364 days.
  • Eligibility to buy Travel Medical Plus Insurance Online
    Individuals and families including unmarried dependent children traveling outside of their Home Country.
  • Travel Medical Plus Pre-existing conditions Visitors Insurance for international travelers
    Travel Medical Plus insurance offers coverage for acute onset of pre-existing conditions up to the age of 74 years for acute onset of pre-existing conditions.
    Travel Medical Plus offers
    Ages 14 days to 64 years:$10,000,Ages 65 to 74 years: $5,000 offer Worldwide Including the United States.
    Ages 14 days to 64 years:$50,000,Ages 65 to 74 years: $10,000 offer Worldwide Excluding the United States.

Travel Medical Plus Insurance Advantages

Travel Medical Plus Insurance Insurance Covid19 travel insurance by Seven Corners for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.

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

For the United healthcare PPO network
Outside US: Wellabroad.com to use Seven Corners’ International 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

Why Buy at AmericanVisitorInsurance.com?

  • Wide range of temporary US travel insurance options.
  • Travel insurance with Covid19 and quarantine coverage.
  • Several new US immigrant insurance plans available.
  • Popular Schengen visa insurance with required visa letter.
  • Travel health insurance and trip cancellation insurance options.
  • Affordable international student health insurance plans.
  • Resourceful user friendly compare travel insurance tool.
  • Customer support with support for claims settled in the USA.
  • Fixed benefit and comprehensive international travel insurance plans.
  • 24/7 licensed US travel insurance agent support.
  • Guaranteed cheapest travel medical insurance price.
  • Travel health insurance customer support during crisis.
  • Relevant US travel insurance blogs, articles and FAQ's.
  • Travel insurance reviews to help decide on plans.
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