Seven -corners

Travel Medical Plus Insurance for Covid19

Travel Medical Plus Insurance

Age & Citizenship
Coverage region
Start date
End date
Travel Medical Plus
Insurance provider
Seven Corners
Plan life
5 days to 364 days
Travel Medical Plus can be renewed online
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 Rating
AM Best Rating: "A" (Excellent)
Travel Medical Plus Underwriter
For Including USA Underwritten by Crum & Forster SPC
For Excluding USA Underwriters at Lloyd’s, London
Travel Medical Plus Links

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.

Seven Corners Travel Medical Plus Insurance Summary

EligibiltyWhat is the Eligibility to buy Travel Medical Plus Insurance?
  • Individuals and families including unmarried dependent children traveling outside of their Home Country.

The person can extend coverage as long as the primary participant is eligible for the plan. If you initially buy less than 364 days of coverage, you may buy additional time, from a minimum of 5 days to a total of 364 days. We will email you an extension (renewal) notice before your coverage expires, giving you the option to renew your plan. A $5 administrative fee is charged for each renewal.

Expenses incured by customer after deductibleTravel Medical Plus Insurance Coinsurance
  • Inside the United States
  • 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.
  • Outside the United States: The plan pays 100%
RefundTravel Medical Plus Insurance 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.

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Plan Benefits

Plan details of Travel Medical Basic Insurance

  • Plan Options
    Medical Maximum Options
    (Worldwide Including the United States)
    Ages 14 days to 69 years: $50,000; $100,000; $500,000; $1,000,000
    Ages 70 to 79 years: $50,000; $100,000
    80 years and older: $10,000
    Medical Maximum Options
    (Worldwide Excluding the United States)
    Ages 14 days to 64 years: $50,000; $100,000; $500,000; 1,000,000; $2,000,000; $5,000,000
    Ages 65 to 74 years: $50,000; $100,000
    Deductible Options
    (Worldwide Including the United States)
    $0; $100; $250: $500; $1,000, $5,000
    Deductible Options
    (Worldwide Excluding the United States)
    Ages 14 days to 64 years: $0; $100; $250; $500; $1,000; $5,000
    Ages 65 to 74 years: $0; $250; $500; $1,000; $5,000
    Hospital room and board URC to medical maximum
    Emergency Room Services URC to medical maximum, for including USA URC to medical maximum up to $100 copay
    Urgent Care Clinic URC to medical maximum, for including USA URC to medical maximum up to $20 copay
    Physician Office Visit URC to medical maximum, for including USA URC to medical maximum up to $20 copay
    Prescription drugs and medications URC up to medical maximum
    Hospital indemnity For Including USA $150 per day, 30‐day limit
    Telehealth Consultations or Care URC up to medical maximum
    Home Health Care URC up to medical maximum
    Incidental Trips to Home Country $10,000
    Extension of Benefits to Home Country $10,000
    Dental Emergency — Accident $500 for accident and $200 for sudden relief of pain
    Emergency local ambulance Including USA : $10,000
    Excluding USA : Up to medical maximum
    Emergency medical evacuation $500,000 [separate from medical maximum]
    Return of mortal remains or cremation/burial Up to $50,000 and $5,000 for cremation/burial
    Return of minor children Up to $50,000
    Political evacuation and repatriation $10,000
    Emergency reunion $200 per day / 10 day and $50,000 maximum
    Natural disaster evacuation $50,000 maximum limit. Not subject to deductible
    Trip interruption $5,000 maximum limit. Not subject to deductible
    Lost luggage $50 per article / $500 per occurrence
    Natural Disaster Daily Benefit $100 per day / 5 day maximum
    Terrorism Up to $25,000
    Personal Liability Up to $50,000
    AD&D Members under age 18: Up to $5,000 principal sum
    Members age 19-80: $25,000 principal sum
    $250,000 aggregate limit per total insureds on plan
    Common carrier AD&D Members under age 18: Up to $10,000 principal sum
    Members age 19-80: $50,000 principal sum
    $250,000 aggregate limit per total insureds on plan
    Acute Onset of Pre-Existing Conditions Worldwide Including the United States(168 hour [7 day] waiting period):
    • Ages 14 days to 69 years: $50,000
    • Ages 70 to 79 years :$5,000
    • Ages 80 years over :Not Covered
    Acute Onset of Pre-Existing Conditions Worldwide Including the United States(168 hour [7 day] waiting period):
    • Ages 14 days to 64 years: $50,000
    • Ages 65 to 74 years :$10,000
    • Ages 80 years over :Not Covered
    Claims Timely Filing 90 days
    Purchase Date vs. Effective Date 12 months
    Refund / Cancellation Before Effective Date: Full refund
    After Effective Date: Partial refund unused portion of
    plan cost less $25 cancellation fee if no claims on file
    Adventure Activities Up to medical maximum
    Excess Insurance : All coverages except Accidental Death & Dismemberment are in excess of other insurance or similar benefit programs and apply only when such benefits are exhausted. This plan is secondary coverage to other insurance. Such other insurance or similar benefit programs may include, but are not limited to, membership benefits; workers’ compensation benefits or programs; government programs; group or blanket coverage; prepayment coverage; union, labor, or employee plans; socialized insurance programs or program otherwise required by law or statute; automobile insurance; or third-party liability insurance.
  • claims-icon How are Travel Medical Insurance insurance claims settled?
    Travel Medical Insurance 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

  • exclusion-icon Travel Medical Insurance 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.
  • special-coverage Which are the geographic restrictions for Travel Medical Insurance insurance?
    Travel Medical Insurance 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, 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
  • special-coverage What is pre-certification requirements for Travel Medical Insurance insurance?
    Travel Medical Insurance Insurance Pre-Certification
    The following expenses must always be pre-certified in the U.S. only:
    1. Outpatient surgeries or procedures;
    2. Inpatient surgeries, procedures, or stays including those for rehabilitation;
    3. Diagnostic procedures including MRI, MRA, CT, and PET Scans;
    4. Chemotherapy;
    5. Radiation therapy;
    6. Physical and occupational therapies;
    7. Home infusion therapy;
    8. Home Health Care.
    To comply with the pre-certification requirements, you must:
    1. Contact Seven Corners Assist before the expense is incurred;
    2. Comply with Seven Corners Assist’s instructions;
    3. Notify all medical providers of the pre-certification requirements and ask them to cooperate with Seven Corners Assist.
    Once we pre-certify your expenses, we will review them to determine if they are covered by the plan. Failure to comply with pre-certification requirements

    If you do not comply with the pre-certification requirements or if the expenses are not pre-certified, we will review the expenses to determine if they are covered by the plan. If covered:
    1. Eligible medical expenses will be reduced by 25%; and
    2. The deductible will be subtracted from the remaining amount; and
    3. Coinsurance will be applied.
    Pre-certification does not guarantee benefits – Pre-certification does not guarantee coverage for, or payment of expenses.
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Travel Medical Plus Insurance for Schengen visa

schengen

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.

Travel Medical Plus Medical Travel Insurance for Coronavirus

Seven corners coronavirus travel insurance offers coverage for overseas medical expenses arising from Covid19 infection while the travellers are outside their home country. The Covid19 treatment benefit is available for COVID-19 (the disease); SARS-Cov-2 (the virus); and Any mutation or variation of 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 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.
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Seven Corners Insurance related coverage

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Seven Corners international travel insurance - Resourceful links

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