Seven Corners Travel Medical Insurance: Everything You Need to Know

Seven Corners travel medical insurance is a great option for travelers who want to be prepared for unexpected medical expenses abroad. It's a leading provider of travel medical insurance, with a wide range of plans to suit different needs and budgets.

Seven Corners offers a variety of plans, including single-trip and multi-trip options, as well as plans for students, groups, and individuals. Their plans can be customized to fit your specific needs and travel plans.

Seven Corners has a 24/7 emergency assistance service, which can help you find a doctor or hospital in case of an emergency, and can also provide translation services if needed. This service is available in over 180 countries worldwide.

Seven Corners travel medical insurance offers a range of policy options to suit different needs and budgets.

The policy's deductible can be as low as $25, which is a relatively low amount considering the benefits it provides.

The policy also includes a 24/7 emergency hotline, which is staffed by multilingual representatives who can assist with medical emergencies abroad.

You can purchase a policy for as short a period as one day or as long as two years, giving you flexibility to choose the length of coverage that suits your trip.

If you're looking for what's not covered by your plan, you can find it in the exclusions section of the plan documents.

The exclusions section is a crucial part of your plan, as it outlines what situations and items are not covered by the policy.

You can find the exclusions section in the Travel Medical Basic and Travel Medical Choice plan documents.

This information is provided by Crum & Forster, SPC, and is an essential part of understanding your policy.

PPO networks are not provided by Crum & Forster, SPC, so you'll want to look into alternative options if you need to access a PPO network.

It's always a good idea to review your plan documents carefully to ensure you understand what's covered and what's not.

Our coverage provider is a reputable company that has been around for a while. Crum & Forster SPC is the underwriter for our travel medical insurance plan. It's reassuring to know that our provider has a strong rating of A (Excellent) by AM Best Company 2023.

Seven Corners administers our plan, handling everything from purchase to claims processing. They also have an in-house team, Seven Corners Assist, that can help with emergency services like medical evacuations.

You can access a large network of medical providers in the United States through Seven Corners' relationship with UnitedHealthcare. This network includes 1.4 million physicians, 6,500 hospitals, 45,000 clinics, 67,000 pharmacies, and 1,800 convenience clinics.

If you need medical care outside of the US, Seven Corners has a large international directory of providers. Many of these providers will bill Seven Corners directly for treatment, but it's always a good idea to contact them first for a referral.

If you're planning to travel, it's essential to know what's not covered by your insurance plan. This can help you avoid unexpected expenses or surprises down the road.

You can find situations and items not covered by your plan in the exclusions section of the plan documents. This is usually a detailed list that outlines what's not included.

Crum & Forster, SPC, for example, doesn't provide PPO networks. This means you'll need to look elsewhere for those services.

When it comes to coverage, it's also important to know if your plan is primary or secondary. In some cases, your plan may only kick in after other insurance or benefit programs have been exhausted.

Here are some examples of exclusions you might find in a travel insurance plan:

Your plan may also be secondary to other insurance or benefit programs, such as Medicaid or workers' compensation benefits. This means you'll need to use those benefits first before your travel insurance plan kicks in.

Seven Corners offers two primary travel medical insurance plans: Travel Medical Basic and Travel Medical Choice. These plans provide coverage for medical expenses, emergency medical evacuations, and more.

You can choose from a range of coverage lengths, from 5 to 364 days, depending on your travel plans. Both plans cover individuals aged 14 days and older.

Travel Medical Basic and Travel Medical Choice also offer different medical maximum options, ranging from $50,000 to $1,000,000, depending on your age. For example, if you're between 14 and 69 years old, you can choose from medical maximums of $50,000, $100,000, $500,000, or $1,000,000.

Here's a breakdown of the medical maximum options for each plan:

Additionally, you can choose from various deductible options, ranging from $0 to $5,000.

Seven Corners Travel Medical insurance covers pre-existing conditions through the Acute Onset of Pre-Existing Conditions benefit. This coverage is available to help you in case of a sudden and unexpected medical emergency.

To be eligible for this benefit, your pre-existing condition must meet certain criteria, including being sudden, unexpected, and occurring without advanced warning. It must also be a medical emergency and occur during the period of coverage, after the 168-hour (7-day) waiting period. Treatment must be obtained within 24 hours of the occurrence.

A pre-existing condition is not considered an acute onset if it is chronic, congenital, or gradually becomes worse over time. Additionally, if you had a change in prescription or treatment for a related diagnosis within the last 30 days, you may not be eligible.

Coverage begins 168 hours after the effective date of coverage and ends when the condition is no longer acute or you are discharged from the hospital. It's essential to note that there is no coverage for known, scheduled, required, or expected medical care prior to departure from your home country.

Here are some key facts about the Acute Onset of Pre-Existing Conditions benefit:

Seven Corners travel medical insurance offers a range of benefits and features to protect travelers. Their policies include Emergency Medical Evacuation and Repatriation coverage, with a maximum of $250,000 for the Basic plan and $500,000 for the Choice plan.

Their Travel Medical policies provide affordable health coverage, with $50,000 in Emergency Medical coverage and up to $500,000 in Medical Evacuation coverage. The Choice plan also includes $100 copay for Emergency Room Services and $20 copay for Physician Office Visits.

Here are some key benefits and features of Seven Corners travel medical insurance:

Care is a top priority when traveling abroad, and it's essential to understand what's covered under your travel medical insurance plan. With Travel Medical Basic and Travel Medical Choice, you're protected against unexpected medical expenses.

Hospital room and board, inpatient and outpatient medical expenses, and prescription drugs are all covered up to the medical maximum. This means you can receive necessary care without worrying about financial burdens.

Emergency room services are also covered, with a $100 copay for both plans. This includes visits to the emergency room for unexpected illnesses or injuries.

If you need to see a doctor, physician office visits are covered up to the medical maximum, with a $30 copay for Travel Medical Basic and $20 copay for Travel Medical Choice. This includes visits for routine check-ups or addressing specific health concerns.

Telehealth consultations or care are also covered up to the medical maximum, allowing you to receive medical attention remotely.

Travel Medical Choice offers additional benefits, including physiotherapy and chiropractic care, with a maximum of $50 per visit and 10 visits allowed. This can be a huge relief for travelers who may need to see a chiropractor or physical therapist while abroad.

If you're involved in a local ambulance benefit inside the United States, Travel Medical Basic covers up to $5,000, while Travel Medical Choice covers up to $10,000. This can provide peace of mind in case of an emergency.

Here's a summary of the care benefits:

When traveling, unexpected dental emergencies can be a real hassle. For this reason, many travel insurance plans offer dental coverage to help alleviate some of the financial burden.

If you're looking to get relief from sudden dental pain, you'll be happy to know that some plans offer coverage for this exact situation. Travel Medical Basic offers $100 in coverage for sudden relief of pain, while Travel Medical Choice offers $200.

In the event of an accident, dental coverage can be a lifesaver. Travel Medical Basic provides $250 in coverage, which can help pay for any necessary treatments. Travel Medical Choice takes it a step further, offering $500 in coverage for more extensive dental repairs.

Here's a quick comparison of the dental coverage offered by Travel Medical Basic and Travel Medical Choice:

Seven Corners offers a range of additional benefits to enhance your travel experience.

Emergency Medical Evacuation and Repatriation coverage is available in both the Travel Medical Basic and Travel Medical Choice policies, with maximum coverage of $250,000 and $500,000, respectively.

Travel Medical Choice policyholders can also access 24/7 Travel Assistance Services, which provide support and guidance in case of an emergency.

Other benefits include Loss of Checked Baggage coverage, which reimburses up to $50 per article and $250 per occurrence, and Trip Interruption coverage, which provides up to $2,500 and $5,000, respectively.

In addition, Travel Medical Choice policyholders can receive up to $100 for Lost or Stolen Travel Documents.

Personal Liability coverage is also available, with a maximum benefit of $25,000 and $50,000 for Travel Medical Basic and Travel Medical Choice policyholders, respectively.

Here's a summary of the other benefits offered by Seven Corners:

Seven Corners offers a range of add-ons to customize your travel medical insurance policy.

You can add Cancel For Any Reason (CFAR) to your policy, which allows you to cancel your trip for any reason, not just the reasons specified in your policy.

Interruption For Any Reason (IFAR) is another option, which lets you interrupt your trip for any reason and receive a partial refund.

Rental car insurance is also available as an add-on, providing coverage for damages or theft of your rental vehicle.

Sports and golf equipment rental coverage can be added to your policy, protecting your equipment against loss, theft, or damage.

Event ticket registration fee coverage is available for Trip Protection Choice policies, reimbursing you for non-refundable event ticket registration fees if you need to cancel your trip.

Here are some of the add-on options available with Seven Corners: