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Seven Corners Travel Medical Choice Insurance

Travel Medical Choice Insurance Cost

Age & Citizenship
Start date
End date
Travel Medical Choice
Insurance provider
Seven Corners
Plan life -5 days to 364 days
Travel Medical Choice can be renewed online
Travel Medical Choice Insurance Reviews
Seven Corners Travel Medical Choice insurance reviews.
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Travel Medical Choice Underwriter
Underwriters at Lloyd’s, London
Travel Medical Choice Rating
AM Best Rating: "A" (Excellent)

Travel Medical Choice Links

  • Brochure
  • Benefits
  • Advantages
  • Disadvantages
  • Reviews
  • Comprehensive
  • Claims
  • PPO Network
  • Cancellation

Travel Medical Choice Insurance - Key Highlights

  • The policy maximum is available up to $5,000,000 for people up to 79 years and reduces to $10,000 for people above 80 years.
  • This plan can be purchased by individuals traveling outside their home countries.
  • The maximum lifetime of the plan is 365 days and is renewable
  • There is a co insurance factor applicable to this insurance which pays 100% for outside of the US.
  • Acute onset of pre-existing conditions are covered up to $50,000 up to the age of 64 years and a coverage of $10,000 is available for people up to the age of 79 years.

Seven Corners Travel Medical Choice Insurance Summary

EligibiltyWhat is the eligibility to buy Travel Medical Choice Insurance?
  • Coverage for U.S Citizens while traveling outside of Home Country.
  • Individuals and families including unmarried dependent child(ren) traveling outside of their Home Country.
RefundIs the Travel Medical Choice plan available for Non US citizens visiting the US?
  • Definitely. The Travel Medical Choice plan is available for anyone traveling outside their home country.
RefundTravel Medical Choice 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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Travel Medical Choice 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 Choice ID cards provided by SevenCorners at the time of enrolment which will have all the necessary information for reimbursement.

How to use Travel Medical Choice while receiving treatment?

When you visit a medical provider, explain to them that you have Travel Medical Choice 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 Choice Insurance?

Yes, Travel Medical Choice 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 Choice insurance online up to 364 days.

How can I cancel Travel Medical Choice insurance?

If your travel plan is changed and want to cancel Travel Medical Choice insurance, you have to submit a written request to 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 Choice insurance covers pre-existing conditions?

Travel Medical Choice 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 $30,000. $5,000 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 $50,000. $10,000 coverage for travelers above 70 years for acute onset of pre-existing conditions.

How can one use Travel Medical Choice visitor medical insurance in case of emergency in the United states?

Visitors to USA can review this article on how to use travel mdical choice visitor medical insurance in case of emergency in the United States.

How does Travel Medical Choice insurance offer coverage for medical expenses?

Travel Medical Choice 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 to find healthcare provider or doctor nearest you outside the US. In the US, after the deductible amount, Travel Medical Choice 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 Choice insurance working example.

Can I buy Travel Medical Choice insurance for Schengen visa?

Yes, Travel Medical Choice insurance satisfies Schengen visa insurance requirements, it has a $50,000 coverage and $0 deductible option for travelers visiting Schengen countries. After buying the plan, to download the Schengen visa letter for Travel Medical Choice insurance, please refer the payment confirmation email that provides you a link "View Coverage Letter" under Summary of Benefits.

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Covid19 Travel Medical Plus Insurance for Coronavirus

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Plan Benefits

Travel Medical Choice Insurance Benefits

  • Plan Options
    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 79 years: $50,000; $100,000
    80 years and older: $10,000
    Co-insurance Pays 100% for outside of the US.
    Deductible Options
    (Worldwide Excluding the United States)
    Ages 14 days to 64 years: $0; $100; $250; $500; $1,000; $5,000
    Ages 65 to 79 years: $0; $250; $500; $1,000; $5,000
    80 years and older: $0; $500; $1,000; $5,000
    Hospital room and board URC to medical maximum
    Emergency Room Services URC up to Medical Maximum
    Urgent Care Clinic URC up to Medical Maximum
    Physician Office Visit URC up to Medical Maximum
    Prescription drugs and medications URC up to medical maximum
    Hospital indemnity $150 per day, 30‐day limit
    Telehealth Consultations or Care URC up to medical maximum
    Physiotherapy and Chiropractic Care $50 per visit, 10 visits maximum
    Outpatient Hospital / Clinical Service URC up to medical maximum
    Home Health Care URC up to medical maximum
    Pre‐certification Penalty Inside the United States: 25% reduction in Covered Expenses
    Outside the United States: N/A
    Penalty does not apply to a Medical Emergenc
    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 Up to Medical Maximum
    Emergency eye examination $100 per occurrence
    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 limit
    Terrorism Up to $25,000
    Personal Liability Up to $50,000
    Trip Delay $100 per day, 2‐day limit per occurrence
    AD&D Members under age 18: Up to $5,000 principal sum
    Members age 19 and over : $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 and over : $50,000 principal sum
    $250,000 aggregate limit per total insureds on plan
    Acute Onset of Pre-Existing Conditions
    • Ages 14 days to 64 years: $50,000
    • Ages 65 to 79 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:
    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.

schengen Travel Medical Choice Insurance for Schengen visa

Travel Medical Choice Insurance satisfies Schengen visa requirements. To download the visa letter for Travel Medical Choice 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.

Group Insurance Quote

Travelling in groups?
You can buy the Travel Medical medical group insurance!
  • All travellers must be traveling outside their home country.
  • The travel group must have a minimum of 5 travelers.
  • You should fill a separate application form for each trip if your group is making multiple trips.
  • US citizens cannot travel within the US on these group plans.
group travel insurance

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.

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: 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

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