Seven -corners Best visitors travel insurance for USA

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Best Seven Corners travel insurance

International travel has recovered again with gusto after the Covid pandemic and travel both to the US and outside has increased. Travelers to the US can be Non-US residents or Non-US citizens and US citizens living abroad. International travel is often accompanied by risks of unexpected incidents that can happen during the journey. This can be anything from loss of luggage issues, delay in travel due to flights, or some sickness or injury that demands medical attention.

Incidents like loss of luggage or trip interruption due to delays in flights can happen during the travel, but a medical emergency can happen in the new country where you visit and plan your temporary stay for a few months or few days.

Healthcare in the US is way too expensive. For visitors, it is no less than any nightmare to cover the expense of any unexpected medical treatment in case of hospitalization. Travel insurance is the solution for all these problems that can take care of the medical bills due to unexpected sickness or injury when outside the home country. Travel medical insurance also provides coverage for loss of luggage and trip interruption and many other benefits which bring some ease for the traveler throughout their travel and stay.

There are many international travel medical plans available in the market today. It is up to the traveler to choose the right plan and make the right decision.

Seven Corners is a reputed US insurance company that provides comprehensive travel medical for travelers (both Non-US citizens and US citizens) traveling to the US. The following are the travel insurance plans by Seven Corners.

Travel Medical Basic

Here are the highlights of this plan:
  • Plan is available for Non-US citizens and US citizens traveling outside their home country. For US citizens who have dual citizenship, their home country is always the US.
  • Plan provides worldwide coverage including the US.
  • Period of coverage is 5 days to 364 days.
  • The Plan can be extended to a total of up to 364 days.
  • Benefit period of the plan is 180 days.
  • Medical maximum options available with the plan is displayed in the below table:
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Ages Medical Maximum
14 days to 69 years $50,000; $100,000;
$500,000; $1000,000
70 to 79 years $50,000; $100,000
80 years and over $10,000
  • Deductible options on the plan are $0, $100, $250, $500, $1000, and $5000.
  • Co-insurance percentage coverage applicable on the plan is as below:
Inside the United States Percentage coverage
In PPO Network 100% to medical maximum
Out of PPO Network 80% of the first $10,000 in covered expenses and then 100% to medical maximum
Outside the United States: 100% to medical maximum
  • A benefit coverage of $5000 is available for incidental trips to the home country.
  • Coverage of $5000 is available for extension of benefits to the home country.
  • Emergency medical evacuation and repatriation separate from medical maximum is covered up to $250,000.
  • Acute onset of a pre-existing condition is covered for the ages as mentioned below:
Ages available Benefits maximum
14 days to 69 years $25,000
70 to 79 years $2,500
80 years and above NA
For more information on benefits, you can look into the Brochure for plan.

Travel Medical Choice

Here are the highlights of this plan:
  • Plan is available for Non-US citizens and US citizens traveling outside their home country. For US citizens who have dual citizenship, their home country is always the US.
  • Plan provides worldwide coverage including the US.
  • Period of coverage is 5 days to 364 days.
  • The Plan can be extended to a total of up to 364 days.
  • Benefit period of the plan is 180 days.
  • Medical maximum options available with the plan is displayed in the below table:
Buy Online
Ages Medical Maximum
14 days to 69 years $50,000; $100,000;
$500,000;
$1000,000
70 to 79 years $50,000; $100,000
80 years and over $10,000
  • Deductible options on the plan are $0, $100, $250, $500, $1000, and $5000.
  • Co-insurance percentage coverage applicable on the plan is as below:
Inside the United States Percentage coverage
In PPO Network 100% to medical maximum
Out of PPO Network 90% of the first $10,000 in covered expenses and then 100% to medical maximum
Outside the United States: 100% to medical maximum
  • Covid-19 treatment is available with URC(Usual, Reasonable and Customary) charges up to medical maximum.
  • Acute onset of a pre-existing condition is covered for the ages as mentioned below:
Ages Benefits maximum
Cardiac Condition and/or Stroke: Ages 14 days to 69 years: $50,000
Ages 70 to 79 years: $5,000
Ages 80 years over: Not Covered
Other than Cardiac Condition and/or Stroke: Ages 14 days to 69 years: $75,000
Ages 70 to 79 years: $7,500
Ages 80 years over: Not Covered
  • Extension of benefits to the home country is available for $10,000.
  • Incidental trips to the home country are available for $10,000.
To see more information on benefits, here is Brochure of the plan.

The traveler needs to take a closer look at the benefits by looking in the brochure to see the coverage available. Acute onset of a pre-existing condition is available in all three plans, however, check out the table to see the coverage amount clearly for different age groups. Similarly, Co-insurance details and medical maximum details are presented in table for different age groups. Apart from this Covid-19 treatment is available with the "Travel Medical Choice" plan which is not available with the other two plans.

Look at the benefits table closely to see that there are some differences in the benefits available. For instance, the Travel Medical Choice plan provides coverage for Extended Care Facility with URC(Usual Reasonable and Customary) charges up to the medical maximum, whereas Travel Medical Choice and the Basic plans provides coverage for Home HealthCare with URC up to medical maximum.

All the plans provide coverage for many more services like Local Ambulance, Prescription drugs, Urgent Care visits, Physician visits, Dental ...apart from the ones mentioned above which is in detail in the brochures of each plan.

Remember that the Travel Medical Basic and the Plus plans provide worldwide coverage including or excluding the US, whereas the Travel Medical Choice plan provides coverage only excluding the US.

Among the three, the Travel Medical Choice plan has higher coverage and extra benefits for people traveling worldwide. It is highly important for the travelers to keep their requirements in mind and choose the right plan that suits individual requirements

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