Seven Corners Travel Medical Basic – USA is a travel medical insurance plan designed for non-U.S. residents traveling to the United States. It provides coverage for unexpected medical expenses, emergency medical evacuation, and other essential travel-related benefits during your stay in the U.S.
Seven Corners Travel Medical Basic - USA
Seven Corners Travel Medical Basic - USA
Seven Corners Travel Medical Basic - USA is a comprehensive travel medical insurance plan for international travel including the United States. It is ideal for non-U.S. residents and non-U.S. citizens traveling outside their home country worldwide, including the U.S. The plan is suitable for non-U.S. citizens traveling to the U.S. who are seeking basic coverage benefits at an affordable price. It covers trips worldwide outside your home country.
The plan is available for durations ranging from 5 days to 364 days. The minimum age for coverage is 14 days old. Policy maximums are available from $50,000 to $1,000,000 with deductible options 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 and then 100% up to the medical maximum.
The plan offers coverage for the acute onset of pre-existing conditions for individuals below 80 years of age. It also provides coverage for medical expenses, urgent care visits, dental treatment, prescription drugs, emergency medical evacuation, and other travel benefits. Additional benefits include personal liability, loss of checked baggage, and trip interruption. The plan uses the First Health PPO network, a subsidiary of Aetna Insurance.
United States citizens, including those with dual citizenship and Green Card or permanent resident card holders, are not eligible to purchase 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% up 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 and optional Adventure Activities
Note:
Please review Seven Corners Travel Medical Basic - USA policy documents for complete coverage and exclusions.
Best Suitable Plan For
Plan Details
| Insurance Provider | Seven Corners |
| Plan Underwriter | C&F Crum & Forster |
| Plan Category | Travel Medical Insurance |
| Plan Type | Comprehensive Coverage |
Out-Patient
Medical treatment that does not include an overnight stay at a hospital.
| Dr. / Physician Visit | In-Network $30 copay, URC up to policy maximum Out-Network $30 copay, URC up to policy maximum |
| Urgent Care | In-Network $30 copay, URC up to Policy Maximum Out-Network $30 copay, URC up to Policy Maximum |
| Surgical Treatment | In-Network URC up to policy maximum Out-Network URC up to policy maximum |
| Prescription Drugs / Medicines | URC up to policy maximum |
| Lab & X-rays | In-Network URC up to policy maximum Out-Network URC up to policy maximum |
| Physical Therapy | N/A |
In-Patient
Medical treatment that includes an overnight stay at a hospital.
| Hospital Room and Board | In-Network URC up to policy maximum Out-Network URC up to policy maximum |
| Surgical Treatment | In-Network URC up to policy maximum Out-Network URC up to policy maximum |
| Hospital Intensive Care Unit | URC (Usual Reasonable and Customary) up to the medical maximum. |
| Dr. / Physician Visit | In-Network $30 copay, URC up to policy maximum Out-Network $30 copay, URC up to policy maximum |
Emergency Services
Hospital emergency services (certain limits may apply).
| Ambulance Expenses | In-Network Up to $5,000 Out-Network Up to $5,000 |
| Emergency Room | In-Network $100 copay, URC up to Policy Maximum Out-Network $100 copay, URC up to Policy Maximum |
Dental Coverage
Treatment for injury to or acute and spontaneous pain in sound natural teeth.
| Acute, spontaneous and unexpected pain | Up to $100 |
| Accidental emergency | Up to $250 |
| Dental Emergency | Up to $250 |
Travel Coverage
Travel-related coverage
| Emergency Medical Evacuation / Repatriation | Up to $250,000 |
| Return of mortal remains | Up to $25,000 |
| Emergency Reunion | Up to $25,000 ($200 per day/ 10 day limit) |
| Return of minor child(ren) | Up to $25,000 |
| Trip Interruption | Up to $2,500 |
| Loss of checked baggage | Up to $250 ($50 per article maximum) |
| US Border Entry Protection | Not covered |
| Return of Mortal Remains | Up to $25,000 |
| Trip Delay | No coverage |
| Lost Luggage | Up to $250, $50 per article |
| Terrorism | Up to $10,000 |
| Personal Liability | Up to $25,000 |
| Identity Theft | No coverage |
| Legal Fees | No coverage |
| Lost or Stolen Passport | No coverage |
| Missed Connection | No coverage |
Life Coverage
Life coverage
| AD&D | $2,500 ages 14days to 18 years; $10,000 ages 19 to 80+ Total per family limit of up to $250,000 |
| Common Carrier Accidental Death | $5,000 ages 14days to 18 years; $20,000 ages 19 to 80+ Total per family limit of up to $250,000 |
Support
Support
| 24-Hrs Emergency Assistance | Yes. Contact Number and details can be found on the ID card. |
Other
Other types of coverage not mentioned above.
| COVID-19 Coverage | This plan covers COVID-19 like any other covered medical condition. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions. |
| Pre-Existing Conditions | Acute onset of pre-existing Medical condition for non- US citizens age 69 and under is covered up to a life time maximum of $25,000, For age 70 to 79: up to $2,500. |
| Maternity | Not Covered |
| General Physical full Checkup | Not Covered |
| Terrorism Coverage | Up to $25,000 |
| Brochure | Seven Corners Travel Medical Basic -USA Insurance Brochure |
| Doctor Wellness Visit | No Coverage |
| Preferred Rates | Not Available |
Medical Coverage
Medical coverage details.
| Eligible Medical Expenses | In-Network 100% up to policy maximum Out-Network 80% of first $10,000, 100% thereafter |
Pre-existing Conditions
Medical coverage for Pre-existing and Acute Onset of Pre-existing Conditions.
| Pre-Existing Conditions | Pre-existing conditions are not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions: Pre-Existing Diabetes: Not Covered Pre-Existing Hypertension: Not Covered Pre-Existing Heart Conditions: Not Covered Please review your policy document for any other limits or exclusions. |
| Acute onset Pre-Existing Condition | Up to $25,000 : Age 69 and below Up to $2,500 : Age 70 to 79 |
COVID-19 Benefits
Covid-19 related benefits and coverage
| COVID-19 Medical Coverage | This plan covers COVID-19 like any other covered medical condition up to the policy maximum. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions. |
| COVID-19 Testing | Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date |
| COVID-19 Vaccine/Booster | No Coverage |
| COVID-19 Quarantine Coverage | No Coverage |
Seven Corners Travel Medical Basic - USA FAQS
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What is Seven Corners Travel Medical Basic – USA insurance?
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Who is eligible for this insurance plan?
This plan is available to non-U.S. residents who are at least 14 days old and are traveling to the United States. Green Card/Permanent Resident Card holders are not eligible for this plan.
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What are the coverage options for this plan?
The plan offers customizable coverage with the following options:
Medical Maximums:Ages 14 days to 69 years: $50,000; $100,000; $500,000; $1,000,000
Ages 70 to 79 years: $50,000; $100,000
Ages 80 years and older: $10,000
Deductible Options:
Ages 14 days to 69 years: $0; $100; $250; $500; $1,000; $5,000
The plan provides 100% coverage after the deductible is met, up to the medical maximum.
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Does this plan cover COVID-19?
Yes, the plan covers treatment for COVID-19 the same as any other illness, provided the treatment begins after the effective date of the policy.
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Does the plan cover pre-existing conditions?
The plan includes coverage for the acute onset of pre-existing conditions under the following conditions:
Ages 14 days to 69 years: Up to $25,000Ages 70 to 79 years: Up to $2,500
Ages 80 years and older: Not covered
An acute onset is defined as a sudden and unexpected emergency due to a pre-existing condition that occurs spontaneously during the period of coverage. It must occur after the first 168 hours (7 days) of coverage, and treatment must be sought within 24 hours.
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What additional benefits does this plan offer?
In addition to medical coverage, the plan includes benefits such as:
Emergency Medical Evacuation: Up to $250,000 (separate from the medical maximum)Return of Mortal Remains or Local Burial/Cremation: Up to $25,000
Trip Interruption: Up to $2,500
Common Carrier Accidental Death and Dismemberment: Up to $20,000 per insured person
Dental – Sudden Relief of Pain: Up to $100
Dental – Accident: Up to $250
For a comprehensive list of benefits, please refer to the plan brochure.
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How long can I purchase coverage for?
Coverage can be purchased for a minimum of 5 days up to a maximum of 364 days. If you initially purchase less than 364 days, you may extend your coverage in 5-day increments, up to the maximum duration. Extensions are subject to administrative fee.
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How do I file a claim with Seven Corners?
To file a claim, complete the Claimant's Statement and Authorization form and submit it along with all supporting documents, such as itemized bills and medical records. Claims can be submitted online through the Seven Corners website or by contacting their customer service team.