arrow
Seven -corners

Travel Medical Basic Insurance Reviews

Quotes for Travel Medical Basic Insurance

Travel Medical Basic Insurance Review, Review of Seven Corners insurance

Travel Medical Basic
Insurance provider
Seven Corners
Plan life
5 days to 364 days
Travel Medical Basic Rating
AM Best Rating: "A" (Excellent)
Compare Travel Medical Insurance Plans
Compare Travel Medical Plans

Travel Medical Basic Underwriter
Underwritten by Crum & Forster SPC
PPO Network
Travel Medical Basic Insurance Reviews
Seven Corners Travel Medical Basic insurance reviews.

Travel Medical Basic links

  • Brochures
  • Comprehensive
  • Details
  • Advantages
  • Disadvantages
  • Claims
  • Provider Network
  • Cancellation

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 $5000 and 100% after the limit. For out of PPO network, the plan pays 70% up to first $5,000 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!

Review and compare the best Travel Medical Basic Insurance quotes.

Compare Travel Medical Basic quotes
Find the best 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 visitor insurance - Common 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.

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

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

How to use Travel Medical Basic 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.

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.

How can I cancel Travel Medical Basic insurance?

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 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.

What is the meaning of acute onset of pre-existing conditions?

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.

Does Travel Medical Basic insurance covers pre-existing conditions?

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.

How can one use Travel Medical Basic 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 visitor medical insurance in case of emergency in the United States.

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 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.

AVI customer service

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

 (877)-340-7910

Click to send an email

What are some insurance terms important in Lision Travel 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: $50,000; $100,000; $500,000; $1,000,000
    Ages 65 to 69 years: $50,000; $100,000
    Ages 70 to 79 years: $50,000
    80 years and older: $10,000
    In Worldwide Excluding the United States
    it offers Ages 14 days to 64 years: $50,000; $100,000; $500,000; 1,000,000; $2,000,000; $5,000,000
    Ages 65 to 79 years: $50,000; $100,000
    80 years and older: $10,000
  • 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; $1,000; $2,500; $5,000 , Ages 65 to 79 years: $0,$250; $500; $1,000; $2,500; $5,000, 80 years and older: $0, $500; $1,000; $2,500; $5,000
  • 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 $5,000, then 100% to the medical maximum.
    OUT OF PPO NETWORK
    70% of the first $5,000, 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: $5,000
    Ages 65 to 79 years :$2,500
    80 years and older: Not Available.
    Worldwide Excluding the United States:
    Ages 14 days to 64 years: $25,000
    Ages 65 to 79 years :$5,000
    80 years and older: Not Available.

Plan details of Travel Medical Basic Insurance

  • adv-icon  Travel Medical Basic Advantages
    • Very affordable plan for short term travel cover.
    • Waiver of Pre-existing Condition for US Residents outside the United States.
    • Covers Acute Onset of a Pre-existing Condition for Non US Residents in the United States.
    • Deductible per policy period.
    • Cancellation and refund of full premium provided before the policy start date.
  • disad-icon  Travel Medical Basic Disadvantages
    • Only $50,000 maximum coverage for travelers aged 70 - 79 years traveling to the US.
    • Only $15,000 maximum coverage for 80+ travelers.
    • Co-insurance inside US - Coinsurance applicable both for inside PPO network and outside PPO network.
    • 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
  • 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

Seven Corners has introduced the new plan for covid19 is Travel Medical Plus.

Provider network and how to find hospital or doctor?

Seven Corners maintains a wide network of health care providers. In US there are 3 options: United health care, Multiplan and PHCS Out of Area Network.
You need to check your insurance card to find any one of the below 3 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

Compare

Compare Seven Corners Travel Medical insurance plans

Click here

Faq about Seven Corners travel insurance coverage for Covid19

Will International travel insurance policies cover COVID-19 if they stay in one country or if they travel or not at all?

International travel insurance will cover all expenses from Covid-19.

Many travelers are currently stuck in countries with their other policies running out and non-renewable. Can they purchase a International travel insurance policy?

Yes they can purchase a International travel insurance plan that will offer them coverage for Covid-19.

Will International travel insurance policies cover any other illness, injury or accident as long as the person does not travel?

Yes, International travel insurance offers coverage for other illness, injury or accident as long as the person does not travel.

Can they travel (say from US to Canada and back)?

If the US government allows them to travel then yes!

Seven Corners travel medical insurance coverage for Covid19

  • If you become ill with Covid19 and see a doctor and/or go to the hospital during a trip, your medical expenses can be covered.
  • If you require an emergency medical evacuation and repatriation* due to Covid19, this can be covered.
  • If you reside in New York, Colorado, Maryland, or South Dakota, benefits on your plan may include coverage for a Missed Connection related to COVID-19.
  • To trigger this coverage, you must miss a cruise or tour departure due to a delay for the required time length (stated in the plan document) if the delay is caused by a covered reason.
  • Covered reasons that could apply for COVID-19 include:
  • Any delay of a common carrier (the delay must be certified by the common carrier)
  • Quarantine

*Note: The ability for Seven Corners to execute an emergency medical evacuation and/or repatriation may be limited due to travel and other restrictions. Some emergency evacuation providers and airlines have restricted and eliminated their services in specific areas.

Seven Corners international travel insurance - Resourceful links

Welcome to American Visitor Insurance  - Online Chat
Name is required
Email is required Email is invalid
Contact is required