Seven Corners Travel Medical Basic - USA is a comprehensive travel medical insurance plan for international travel including the United States ideal for non-U.S. residents and non-U.S. citizens traveling outside of their home country worldwide including the U.S. The plan is suitable for non-U.S. citizens traveling to the U.S. seeking basic coverage benefits at an affordable price. It covers trips worldwide outside your home country. The plan is available for a range from 5 days to 364 days. The minimum age for coverage is 14 days old. It is available for policy maximums from $50,000 to $1,000,000 and various choices of deductibles ranging from $0 to $5,000. While in the U.S. after the deductible is satisfied within the PPO network, the plan pays 100% of eligible medical expenses up to the medical maximum. Outside the PPO network, the plan pays 80% of the first $10,000 in covered expenses, then 100% to medical maximum. The plan offers coverage for acute onset of pre-existing conditions for individuals below 80 years of age. Also offers coverage for medical expenses, Urgent Care visits, Dental, prescription drugs, emergency medical evacuation, and other travel benefits. The plan also covers personal liability, loss of checked baggage, and trip interruption. It uses the First Health PPO network, a subsidiary of Aetna Insurance. United states citizens, including those with dual citizenship, and Green card/Permanent resident card holders cannot buy this plan for travel to the U.S. and U.S. territories. Seven Corners Travel Medical Basic - USA is underwritten by Crum & Forster SPC, and is rated A "Excellent" by A.M. Best.

Key Highlights:

  • Offers coverage for Acute Onset of Pre-Existing Conditions
  • Overall Maximum Limit Up to $1,000,000
  • Coinsurance (In-Network) within the PPO after the deductible, 100% up to the Medical Maximum
  • Coinsurance (Out-of-Network) Outside the PPO 80% of the first $10,000, then 100% to the medical Maximum
  • Emergency Medical Evacuation and Repatriation Up to $250,000
  • Emergency Medical Reunion Up to $25,000
  • Incidental Trips to home country $5,000
  • Covid-19 coverage Included
  • 24/7 Travel Assistance Services Included
  • Offers Coverage for Accidental Death and Dismemberment, Common Carrier Accidental Death, Terrorist Activity, Adventure Activities (optional coverage)
NOTE:
Seven Corners Travel Medical Basic –USA can cover COVID-19 like any other covered medical condition if the virus was contracted after the policy effective date. Seven Corners Travel Medical Basic –USA does not cover Pre-Existing medical conditions.
Key Highlights

Best Suitable Plan For

Parents visiting USA
Non-US Citizens visiting USA
B1/B2 Visa Holders to the USA
Plan Details

Insurance Provider

Seven Corners, Inc


Plan Underwriter

Crum & Forster SPC


Plan Rating

A.M. Best Rating: A


Plan Category

Travel Medical Insurance


Plan Type

Limited Benefit Short Duration Coverage

Plan Eligibility

Eligibility

For international travelers traveling outside their home country to the USA


Age for Coverage

14 days to 99 years


Coverage Duration

Minimum of 5 days to a maximum of 364 days


Extendable

Yes, up to 364 days


Purchase Restrictions
Not available if Home Country/Country of Residences are: Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Nigeria (NGA), North Korea (PRK), Puerto Rico (PRI), Sierra Leone (SLE), Syria (SYR), United States (USA) & Virgin Islands (USA) (VIR)
.
Not available for Citizens of: Kosovo (XKX), Puerto Rico (PRI), United States (USA) & Virgin Islands (USA) (VIR)

Not Available for Purchase from the Following U.S. States/Territories: Maryland (MD), New York (NY), Colorado (CO), North Dakota (ND) & Washington (WA)

Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states
Policy Maximum, Deductibles & Medical Coverage Limits

Medical Maximum Options

14 days to 69 years: $50,000; $100,000; $500,000; $1,000,000
70 to 79 years: $50,000; $100,000
80 years & over: $10,000


Deductible Options

$0; $100; $250; $500; $1,000; $5,000


Coinsurance

Inside the United States:
In PPO Network: 100% to Medical Maximum
Out of PPO Network: 80% of the first $10,000 in Covered Expenses, then100% to Medical Maximum
Outside the United States: 100% to Medical Maximum


Pre-Existing Conditions

Acute Onset of Pre-Existing Conditions

14 days to 69 years: $25,000
70 to 79 years: $2,500
80 years & over: N/A

Emergency Coverage

Ambulance Expenses

Up to $5,000


Emergency Room(ER)

URC (Usual Reasonable and Customary) up to the medical maximum. Co-pay: $100

Out-Patient

Dr. / Physician Visit

URC up to Medical Maximum $30 Copay per visit


Urgent Care

URC up to Medical Maximum $30 Copay per visit


Surgical Treatment

Within USA: In Network: After the deductible is met plan pays 100% up to the policy maximum
Out of Network After the deductible is met, plan pays 80% for the first $10,000 and then 100% up to the policy maximum


Prescription Drugs / Medicines

URC (Usual Reasonable and Customary) up to the medical maximum


Lab & X-rays

URC (Usual Reasonable and Customary) up to the medical maximum


Physical Therapy

N/A

In-Patient

Hospital Room

URC (Usual Reasonable and Customary) up to the medical maximum


Surgical Treatment

URC (Usual Reasonable and Customary) up to the medical maximum


Hospital Intensive Care Unit

URC (Usual Reasonable and Customary) up to the medical maximum

Dental Coverage

Dental — Sudden Relief of Pain

$100


Dental — Accident

$250

Travel Coverage

Emergency Medical Evacuation and Repatriation

$250,000 (separate from Medical Maximum)


Return of Child(ren)

$25,000


Emergency Medical Reunion

$25,000 maximum, $200 per day, 10-day limit


Return of Mortal Remains 

$25,000

Additional Coverage Options

Accidental Death and Dismemberment(AD&D)

14 days to 18 years: $2,500
19 years & over: $10,000
$250,000 Aggregate Limit total number of Insured Persons on Plan


Loss of Checked Baggage 

$50 per article
$250 per occurrence


Trip Interruption

$2,500


Personal Liability

$25,000


Seven Corners Travel Medical Basic – USA FAQs

The Seven Corners Travel Medical Basic-USA Plan:

1) any non-US citizen or resident, visiting the USA for a short period of time.
2)The plan is available for a minimum of 5 days and a maximum of 364 days.
3) It is not available for US citizens, US Green Card Holders or long term visa holders, who stay in the USA permanently, and pay taxes in the USA.

You would need the names, dates of birth, passport numbers of the visitors, and a valid credit card to buy the plan.

You can print out your ID card from your confirmation e-mail and it will be used as proof of insurance.

Yes, if you buy the plan initially for more than 5 days, you can extend the policy. You would need to extend the plan at least two days before the policy expires. There would be an extra $5 extension charge. The policy can be extended for up to a maximum of 364 days.

Yes, you can cancel and get a refund for the Seven Corners Travel Medical Basic-USA Plan, if you need to go back earlier than plan. The following rules apply: 1) You can get refund back, only if you do not need to visit the doctor/provider while the policy is in force. 2) You can get a pro-rated refund for the number of days left in the policy 3) $25 cancellation fee applies. 4) If there is any claim on file, you would not get any refund back. 5) Written request is required for any cancellation.

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