Seven Corners Insurance

You are covered in every country, except for your home country. US citizens are not eligible for coverage in the US or any of its territories. The Seven Corners Travel Medical plan offers two areas of coverage, worldwide including and excluding the US.

Seven Corners Travel Medical Plus plans cover pre-existing conditions through a benefit called Acute Onset of Pre-existing Conditions.

What is an acute onset of a pre-existing condition?

It is a sudden and unexpected outbreak or recurrence of a pre-existing condition:

• That occurs spontaneously and without advanced warning either in the form of physician recommendations or symptoms and requires urgent care;
• That occurs while you are covered, after the 72-hour (3-day) waiting period, and
• For which treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

A pre-existing condition is not an acute onset of a pre-existing condition if:

1. The condition is chronic, congenital, or gradually becomes worse over time; or
2. If, during the 30 days prior to the acute event, you had a change in prescription or treatment for a diagnosis related to the underlying pre-existing condition.

Coverage ends on the earlier of:

1. The condition no longer being acute; or
2. Your discharge from the hospital.

There is no coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to departure from your home country and before your coverage begins.

There is no coverage for treatment for which you have traveled or conditions for which travel was undertaken after your physician limited or restricted travel.

Related: International Insurance and pre-existing conditions

A policy may be purchased at any time prior to your trip start date. You may purchase travel medical coverage for a minimum of 5 days or a maximum of 364 days.

If you initially buy less than 364 days of coverage, you may buy additional days of cover, to a total of 364 days. Your original effective date is used to calculate your deductible and coinsurance and to determine pre-existing conditions and if maximum coverage amounts have been reached.

You will be emailed you an extension (renewal) notice before your coverage expires, giving you the option to extend your plan. A $5 administrative fee is charged for each extension.

Effective Date — This is the start date of your plan, on the latest of the following:

1. 12 a.m. the day after we receive your application and correct payment;
2. The moment you depart your home country;
3. 12 a.m. on the date you request.

Expiration Date — This is the date your coverage ends, which is the earliest of the following:

1. The moment you return to your home (except for coverage through Incidental Trips to Home Country and Extension of Benefits in Home Country);
2. 11:59 p.m. on the date you reach the maximum period of coverage;
3. 11:59 p.m. on the date shown on your ID card;
4. 11:59 p.m. on the date that is the end of the period for which you paid; or
5. The moment you are no longer eligible for coverage.

All times above refer to United States Eastern Time.

You must be 19 years of age to purchase a plan. You can buy coverage for your legal spouse, dependents under the age of 19, and your traveling companions.

All travelers must be at least 14 days old and under 75 years old. Coverage is available to all international travelers for a period of 5 days to as long as one year.

U.S. citizens cannot purchase a travel medical plan including the U.S.

Your coverage expires the moment you return home from your destination country.

If you purchased coverage for less than 364 days, you may buy additional coverage that amounts to a total of 364 days.

Travelers with a European destination should choose a $0 deductible in order to meet minimum requirements to receive a Schengen Visa. If you are 65 years old or older, you will not meet the minimum requirements to receive a Schengen Visa with this plan.