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North America travel insurance by Seven Corners

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Explore North America travel insurance from Seven Corners is a comprehensive medical coverage, with an extensive network of medical provider in U.S. and abroad.
It provides coverage for an acute onset of pre-existing condition after seven days of waiting period. Health Insurance for Visitors up to one year with Rates Starting at $1.73 per day.
Explore North America is available to non-U.S. residents and non-U.S. citizens who are traveling outside their home country to the United States, Mexico, Canada, or Unrestricted Caribbean countries.*
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North America travel Insurance Review

Liaison Travel Choice
Insurance provider
Seven Corners
Plan life
5 days to 364 days

Explore North America Plan Underwriter
Underwritten by Lloyd's of London
Explore North America Plan Rating
AM Best Rating: "A" (Excellent)
Policy maximum?
Up to age 69: $50,000, $100,000, $500,000, $1,000,000, $2,000,000, $5,000,000; Age 70 to 79: $50,000, $100,000; Age 80+: 15,000
Deductible options?
$0, $100, $250, $500, $1,000 per period of coverage

North America Travel Links

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  • Detail Description
  • Advantages
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  • Reviews
  • Claims
  • Renewal
  • Provider Network
  • Cancellation

Seven Corners Explore North America travel Insurance Summary

What is the eligibility to buy Explore North America travel insurance?
Explore North America Plan Eligibility
  • Any non US citizen and non US resident who is travelling to the United States, Mexico, Canada, or Unrestricted Caribbean countries.
  • This plan also provides coverage for their Spouse, Traveling Companions, and Child(ren).
Refund Explore North America travel 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
  • Claims
  • Exclusions
  • Restrictions
  • Excess Coverage
Benefits Coverage
Hospital Room & Board Usual, Reasonable and Customary up to the medical maximum
Physical Therapy INPATIENT: Usual, Reasonable and Customary up to the medical maximum
OUTPATIENT: Up to $50 maximum per day, if referred by a physician
Hospital Indemnity (Canada, Mexico and the Unrestricted Caribbean countries) Up to $150/night (30 days maximum)
Coinsurance Plan pay 100% of covered expenses up to the medical maximum, after deductible or copay.
Urgent Care Copay $20 copay per visit, not subject to deductible
Coma Benefit Up to $25,000 (separate from the medical maximum)
Incidental Trips to Home Country Up to $10,000
Acute Onset of a Pre-existing Condition Ages 14 days to 69 years: Up to $50,000
Ages 70 years and over: Up to $5,000
Dental Treatment Up to $5,000 for dental accident
Up to $200 for sudden relief of pain
Emergency Medical Evacuation & Repatriation Up to $500,000 (separate from the medical maximum)
Return of Mortal Remains Up to $50,000
Emergency Medical Reunion Up to $200 per day, 10-day limit / $50,000 maximum limit
Return of Child(ren) Up to $50,000
Felonious Assault Up to $10,000 (separate from the medical maximum)
Natural Disaster Evacuation Up to $50,000
Natural Disaster Daily Benefit Up to $150 per day, 5-day limit
Political Evacuation & Repatriation Up to $10,000
Terrorism Up to $50,000
Accidental Death and Dismemberment (AD&D) Primary Insured or Eligible Spouse: Up to $25,000 Principal Sum
Eligible Dependant Child(ren): Up to $5,000 Principal Sum
(aggregate limit of up to $250,000 for total number of insureds on the plan)
Common Carrier Accidental Death Primary Insured or Eligible Spouse: Up to $50,000 Principal Sum
Eligible Dependant Child(ren): Up to $10,000 Principal Sum
(aggregate limit of up to $250,000 for total number of insureds on the plan)
Checked baggage loss $50 per article, $500 per occurrence maximum
Trip interruption Up to $5,000
Lost or Stolen Travel Documents Up to $100, not subject to the deductible
Benefit period Up to 180 days (or 6 months)
Personal liability Up to $50,000
Pre-Certification - 25% penalty Required inside the United States, Penalty does not apply to an emergency.
Optional Hazardous Activities Up to medical maximum

WellCard Discounts & Services

Lower your cost for these products and services and receive cash rewards:
  • Prescription drugs — save up to 50%
  • Dental services — save up to 45%
  • Vision services — save up to 50%
  • Hearing aids
  • Diabetic care & supplies
  • Mail order vitamins
  • Daily living products — discounted rates for medical supplies and equipment
Share your free card with friends and family and use it even after your coverage ends.
claims-icon How are Explore North America travel insurance claims settled?
Explore North America travel insurance Claims
  • Medical Claim
  • Baggage Claim
  • Missed Connection, Baggage Delay, Change fee for CO, NY, MD, SD
Please visit: : Seven Corners Claims Forms
Toll Free Number: 1.800.335.0477
Claims Department:
Email: claims@sevencorners.com
Fax: (+1) 317-575-2256
Seven Corners, Inc
. Attn: Claims
303 Congressional Boulevard
Carmel, IN 46032 USA

exclusion-icon Explore North America travel 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. PPregnancy, 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 Explore North America travel insurance?
Explore North America travel insurance Restrictions
  • State Restrictions: The plan will not accept an 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, and Sierra Leone.
  • Destination Restrictions: The plan does not cover trips to Cuba.
Explore North America Excess Insurance Coverage
All coverages except Accidental Death & Dismemberment are in excess of all other insurance or similar benefit programs and shall apply only when such benefits thereunder are exhausted. This Plan is secondary coverage to any 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 program or program otherwise required by law or statute; automobile insurance; or third-party liability insurance.

Explore North America - Common questions

What is an Acute Onset of a Pre-existing Condition?

Acute onset of a pre-existing conditions are often not covered by travel insurance. They provide coverage through the acute onset of a pre-existing condition benefit. It is a sudden and unexpected outbreak or recurrence of a pre-existing condition that occurs spontaneously and without advance warning in the form of physician recommendations or symptoms and requires urgent care.
The following conditions are required for Explore North America plan:

  1. The acute onset must occur after the plan’s effective date.
    Coverage begins 168 hours (7 days) after your plan begins and ends on the earlier of:
    • The condition no longer being considered acute or
    • Your discharge from the hospital.
  2. Covered expenses must be incurred in the U.S., Mexico, Canada, and the unrestricted Caribbean countries.
There is no coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary before your arrival in the U.S., Mexico, Canada, and the unrestricted Caribbean countries and before your plan begins.
There is no coverage for treatment for which you have traveled or conditions for which travel was undertaken after your physician limited or restricted travel.
There is no coverage for an acute onset that occurs during an incidental trip to your home country.

It is any medical condition, sickness, injury, illness, disease, mental illness or mental or nervous disorder, including congenital, chronic, subsequent, or recurring complications or related consequences or resulting consequences that existed with reasonable medical certainty when you bought the plan or any time in the 36 months before your coverage on this plan began, whether or not previously manifested, symptomatic, known, diagnosed, treated, or disclosed.
This includes, but is not limited to, any medical condition, sickness, injury, illness, disease, mental illness, or mental or nervous disorder for which medical advice, diagnosis, care, or treatment was recommended or received or for which a reasonably prudent person would have sought treatment during the 36 months immediately preceding the start date of this plan.

The plan has an optional coverage for Hazardous Activities. If you plan to participate in more adventurous activities when you travel, consider buying this optional coverage. It covers:
Bungee jumping; caving; hang gliding; jet skiing; motorcycle or motor scooter riding whether as a passenger or a driver; parachuting; parasailing; scuba diving only to a depth of 10 meters with a breathing apparatus provided that you are SSI, PADI or NAUI certified; snowmobiling; spelunking; wakeboard riding; water skiing; windsurfing; or zip lining. You must purchase this optional coverage if you wish to be covered while riding a motorcycle, motor scooter, or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the specific geographic area where you are located in the host country.

The answer is quite simple — your domestic health insurance at home may not cover you when you travel overseas outside your home country. This will make you responsible for any medical bills if you fall sick or get hurt on your trip. Whether it is for short trips or for extended stays with family, traveling to United States and Canada without medical insurance is extremely risky. The US health care system while most sophisticated is complex, and if you are caught in a medical situation without good travel health insurance, the cost can be prohibitive.

Frequently asked questions about Seven corners international travel insurance coverage for Coronavirus

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.

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

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

If the US government allows them to travel then yes!

Seven corners travel medical insurance coverage for Coronavirus (Covid 19)

  • If you become ill with Coronavirus 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 Coronavirus, 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.

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