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Seven Corners Travel Medical Choice Insurance

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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.
Travel Medical Choice
Insurance provider
Seven Corners
Travel Medical Choice Rating
AM Best Rating: "A" (Excellent)
Travel Medical Choice Insurance Reviews
Seven Corners Travel Medical Choice insurance reviews.
Plan life - 5 days to 364 days
Travel Medical Choice can be renewed online
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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.

Seven Corners Travel Medical Choice Insurance Summary

EligibiltyWhat is the eligibility to buy Travel Medical Choice Insurance?
  • Coverage for non-U.S. Residents and non-U.S. Citizens while traveling outside of Your Home Country.
  • Individuals and families including unmarried dependent child(ren) traveling outside of their Home Country.

If you initially buy less than 364 days of coverage, you may buy additional time, to a total of 364 days. Your original effective date is used to calculate your deductible and coinsurance and to determine pre-existing conditions. $5 administrative fee is charged for each renewal.

Expenses incured by customer after deductibleTravel Medical Choice Insurance Coinsurance
  • Inside the United States
  • In ppo network:We pay 100% to Medical Maximum
  • Out of ppo network:We pay 80% of the first $10,000 in Covered Expenses, then 100% to Medical Maximum.
  • Outside the United States: The plan pays 100%
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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Benefits details of Travel Medical Choice insurance plan

  • inpatient  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 to medical maximum
    Urgent Care Clinic? URC to medical maximum
    Physician Office Visit? URC to medical maximum
    Prescription drugs and medications? URC 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 - $5,000
    Extension of Benefits to Home Country - $5,000
    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
    Return of mortal remains or cremation/burial? Up to $25,000 and $5,000 for cremation/burial
    Return of minor children? Up to $25,000
    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
    Accidental death & dismemberment? 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 accidental death? 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
    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
    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
  • Travel Medical Choice 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.
  • Which are the geographic restrictions for Travel Medical Choice insurance?

    • 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, Islamic Republic of Iran, Syrian Arab Republic, United States Virgin Islands, Gambia, Ghana, Nigeria, and Sierra Leone.
    • Destination Restrictions: The plan will not cover trips to Islamic Republic of Iran and Syrian Arab Republic.
  • What is pre-certification requirements for Travel Medical Choice insurance?

    Travel Medical Choice 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.

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Seven Corners Travel Medical Choice travel insurance - FAQ's

Does Seven Corners travel insurance cover covid19 illness?

Seven Corners offers covid19 travel insurance for coronavirus with their Seven Corners insurance plans. Travel Medical Plus Insurance offered by Seven Corners has covid health insurance for international travelers.

The Sevencorners coronavirus visitor insurance treatment benefit is available for COVID-19 (the disease); SARS-Cov-2 (the virus); and any mutation or variation of SARS-CoV-2.

Liaison Student Travel Plus Insurance offered by Seven Corners has covid health insurance for international students studying outside their home country. Insurance plan will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.

Wander Frequent Traveler Plus offered by Seven Corners has covid coverage for business and frequent travelers which will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.

Seven Corners maintains a wide network of health care providers. In US there are 2 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 2 logos:

Outside US: Wellabroad.com to use Seven Corners’ International 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

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:
  • $50 cancellation fee will be charged by the insurance company.
  • Only full month premium will be considered for refund.

Yes Travel Medical Choice insurance is available up to a maximum of 364 days. Visitors to USA can renew Travel Medical Choice insurance online to extend their coverage.

Travel Medical Choice Insurance for Covid19 Claims



Email: claims@sevencorners.com
Fax: (+1) 317-575-2256


800-335-0477 or


Seven Corners, Inc
Attn: Claims,
303 Congressional Boulevard,
Carmel, IN 46032 USA

Travel insurance for Coronavirus Covid

Covid19 travel insurance for Coronavirus

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