Compare Visitors Protect vs Travel Medical Choice Insurance - Which travel insurance plan is better?

You can purchase Travel Medical USA Insurance on American Visitor Insurance at buy Travel Medical Choice . You can also call them at (877)-340-7910 to get more information on how to apply for Travel Medical Choice insurance from licensed insurance agents.

The main requirements for applying for Travel Medical Choice insurance is the travelers passport details and the travel dates. You can apply for Travel Medical Choice insurance online on American Visitor Insurance or call (877)-340-7910 to get help while applying.

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.

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.

If your travel plan is changed and want to cancel Travel Medical Choice 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.

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.

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.

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 Wellabroad.com 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 $5k, 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 $5k, 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.

Yes, Travel Medical Choice insurance satisfies Schengen visa insurance requirements, it has a $50k 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.