Travel Medical USA Visitor Choice
Limited | A (Excellent) | Seven Corners
Travel Insurance with a Difference
Limited | A (Excellent) | Seven Corners
After the deductible, plan pays Pre-Fixed Limited Coverage
For non U.S residents and non U.S citizens traveling to the U.S
For ages 14 days to 99 years
Coverage for minimum 5 days to maximum up to 364 days
Extendable up to 364 days
Plan can be purchased after arrival at the destination
Not available to residents of: Cuba, Gambia, Ghana, Iran, Kosovo, Nigeria, North Korea, Sierra Leone, Syria, Ukraine, United States
Not available for following home countries: Australia, Cuba, Gambia, Ghana, Iran, Nigeria, North Korea, Sierra Leone, Syria, United States, Virgin Islands (USA)
Not Available for the following Destination Countries:: Bahrain, Burkina Faso, Central African Republic, Congo, The Democratic Republic of, Cyprus, Jordan, Kuwait, Oman, Pakistan, Qatar, Saudi Arabia, Somalia, United Arab Emirates
| $50,000 Policy Maximum | $100,000 Policy Maximum | $150,000 Policy Maximum |
In-Network
| Not Available | Not Available | Not Available |
Out-Network
| Limited travel medical plans pay a pre-defined fixed limit per treatment & services | Limited travel medical plans pay a pre-defined fixed limit per treatment & services | Limited travel medical plans pay a pre-defined fixed limit per treatment & services |
| $50,000 Policy Maximum | $100,000 Policy Maximum | $150,000 Policy Maximum |
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: Please review your policy document for any other limits or exclusions. |
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: Please review your policy document for any other limits or exclusions. |
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: Please review your policy document for any other limits or exclusions. |
Acute onset Pre-Existing Condition
| Up to $75,000 ages 1 to 69, & $25,000 ages 70 to 79 | Up to $75,000 ages 1 to 69, & $25,000 ages 70 to 79 | Up to $75,000 ages 1 to 69, & $25,000 ages 70 to 79 |
| $50,000 Policy Maximum | $100,000 Policy Maximum | $150,000 Policy Maximum |
Dr. / Physician Visit
| Up to $100 per visit. 30 visits max. | Up to $100 per visit. 30 visits max. | Up to $100 per visit. 30 visits max. |
Urgent Care
| Up to $100 per visit. 30 visits max. | Up to $100 per visit. 30 visits max. | Up to $100 per visit. 30 visits max. |
Surgical Treatment
| Up to $5,000 | Up to $5,000 | Up to $5,000 |
Prescription Drugs / Medicines
| Up to $350 | Up to $350 | Up to $350 |
Lab & X-rays
| Up to $3,000 | Up to $3,000 | Up to $3,000 |
| $50,000 Policy Maximum | $100,000 Policy Maximum | $150,000 Policy Maximum |
Hospital Room and Board
| Up to $2,000, 30 days maximum | Up to $2,000, 30 days maximum | Up to $2,000, 30 days maximum |
Dr. / Physician Visit
| Up to $100 per visit. 30 visits max. | Up to $100 per visit. 30 visits max. | Up to $100 per visit. 30 visits max. |
Surgical Treatment
| Up to $5,000 | Up to $5,000 | Up to $5,000 |
| $50,000 Policy Maximum | $100,000 Policy Maximum | $150,000 Policy Maximum |
Ambulance Expenses
| Up to $500 | Up to $500 | Up to $500 |
Emergency Room
| Up to $600 | Up to $600 | Up to $600 |
| $50,000 Policy Maximum | $100,000 Policy Maximum | $150,000 Policy Maximum |
Dental Emergency
| Up to $750 | Up to $750 | Up to $750 |
| $50,000 Policy Maximum | $100,000 Policy Maximum | $150,000 Policy Maximum |
US Border Entry Protection
| Not covered | Not covered | Not covered |
Emergency Medical Evacuation / Repatriation
| Up to $100,000 | Up to $100,000 | Up to $100,000 |
Return of Mortal Remains
| Up to $25,000 | Up to $25,000 | Up to $25,000 |
Trip Interruption
| No Coverage | No Coverage | No Coverage |
Trip Delay
| No coverage | No coverage | No coverage |
Lost Luggage
| No coverage | No coverage | No coverage |
Terrorism
| Up to $50,000 | Up to $50,000 | Up to $50,000 |
Personal Liability
| No coverage | No coverage | No coverage |
Identity Theft
| No coverage | No coverage | No coverage |
Legal Fees
| No coverage | No coverage | No coverage |
Lost or Stolen Passport
| No coverage | No coverage | No coverage |
Missed Connection
| No coverage | No coverage | No coverage |
| $50,000 Policy Maximum | $100,000 Policy Maximum | $150,000 Policy Maximum |
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. | 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. | 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 | Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date | 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
| Not Available | Not Available | Not Available |
COVID-19 Quarantine Coverage
| No Coverage | No Coverage | No Coverage |
| $50,000 Policy Maximum | $100,000 Policy Maximum | $150,000 Policy Maximum |
Doctor Wellness Visit
| No Coverage | No Coverage | No Coverage |
Preferred Rates
| Not Available | Not Available | Not Available |
Seven Corners
Crum & Forster, SPC
A (Excellent)
| Q1: Am I eligible for the Travel Medical USA Visitor Choice plan? If you are a non-United States resident or not a green card holder traveling to the U.S. for a short trip, you are eligible for Travel Medical USA Visitor Choice. The minimum coverage period is 5 days and the maximum coverage period is 364 days. |
| Q2: Does Travel Medical USA Visitor Choice cover any pre-existing conditions? No, like any other travel insurance policy, the Travel Medical USA Visitor Choice does not cover pre-existing conditions. However, it does cover acute onset of pre-existing conditions up to a fixed amount. The acute onset of pre-existing condition coverage is once in a policy period. Also, all the limited benefits amounts for each service and treatment for the Travel Medical USA Visitor Choice policy, would also apply to an acute onset of pre-existing condition situation. |
| Q3: Does Travel Medical USA Visitor Choice covers for acute onset of pre-existing conditions? Acute onset of a pre-existing condition is covered up to $75,000 for ages 69 and below with Travel Medical USA Visitor Choice. For individuals aged 70-79 years old, coverage is available up to $25,000 per policy period. |
| Q4: Which doctor or hospital can I go to with Travel Medical USA Visitor Choice? Travel Medical USA Visitor Choice insurance is a limited coverage plan and does not participate in any PPO Network. You can go to any doctor, hospital, or provider of your choice. |
| Q5: Does Travel Medical USA Visitor Choice cover outside the US? No, Travel Medical USA Visitor Choice only provides coverage within the US. |
| Q6: How do I file a claim with Travel Medical USA Visitor Choice? Please refer to the following article concerning the claim process for Travel Medical USA Visitor Choice: |
| Q7: How much does Travel Medical USA Visitor Choice cost? The cost of Travel Medical USA Visitor Choice varies based on several qualifying criteria, such as the traveler's age, duration or length of trip, selected coverage benefit limits, and the selection of additional riders. Typically, it can cost about $3 a day for a person 50 years of age, when selecting coverage area or destination of travel as the USA. |
| Q8: What does the Travel Medical USA Visitor Choice plan cover? Why is it so much cheaper than comprehensive plans? The Travel Medical USA Visitor Choice covers unexpected sicknesses or injuries that occur after the policy becomes effective. It does not cover preventive care, pre-existing conditions, dental care, or vision. The Travel Medical USA Visitor Choice plan is a limited coverage plan. It pays a pre-defined fixed dollar amount for every service or treatment. These amounts are provided in the schedule of benefits, both in the plan Brochure and the plan Description of Coverage documents. This plan is less expensive than comprehensive plans because the plan offers very limited or restricted benefits. Benefits may not be adequate in case of any major medical problem. |
| Q9: Where can I find the claim information for Travel Medical USA Visitor Choice? The claim process is mandatory for travel insurance. Even if the providers directly bill the insurance company for Travel Medical USA Visitor Choice, you would still need to follow the claim process. Please refer to the following article for the claim process: Visitor Insurance Claim Process |
| Q10: How do I use Travel Medical USA Visitor Choice? Please refer to the following article about the Travel Medical USA Visitor Choice policy usage: how to use Visitor Insurance? |
| Q11: Can I extend the Travel Medical USA Visitor Choice plan? Yes, you can extend your coverage in increments of 5 days or more up to 364 days. You have to extend the Travel Medical USA Visitor Choice policy before it expires. For each extension, there is a $5 fee. The policy can be extended online. |
| Q12: Can I cancel the Travel Medical USA Visitor Choice plan? Yes, you can cancel Travel Medical USA Visitor Choice. A written request is required for cancellation. If you request a cancellation before the effective start date, you will receive a full refund back. After the start date of the policy, a refund is possible only if you have not visited doctors or other medical providers during the coverage period. You would get a prorated refund for the number of days left in the policy. A $35 cancellation fee would apply. No refund is available if there is a claim on file. |
| Q13: Can I cancel only one person from the Travel Medical USA Visitor Choice policy? You cannot remove one person from the Travel Medical USA Visitor Choice policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms. |
| Q14: What information do I need to purchase Travel Medical USA Visitor Choice? To purchase Travel Medical USA Visitor Choice, you will need names, coverage duration, date(s) of birth, home country address, and a valid credit card. |
| Q15: When will I receive my ID card for Travel Medical USA Visitor Choice? The Travel Medical USA Visitor Choice plan is an online insurance policy, once you purchase the policy online you will receive a printable Id card and policy documents in your e-mail. You can print and cut the paper ID card for your record and use it in the event you go to Doctor or hospital. |
| Q16: What if I am traveling to multiple countries, will I be covered by Travel Medical USA Visitor Choice? Travel Medical USA Visitor Choice only provides coverage for visitors to the United States. |
| Q17: Does Travel Medical USA Visitor Choice cover coronavirus? The Travel Medical USA Visitor Choice plan can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. The Travel Medical USA Visitor Choice plan does not cover for the COVID-19 vaccine/booster. Travel Medical USA Visitor Choice will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered. |
| Q18: Is there a waiting period for coverage to begin on my Travel Medical USA Visitor Choice plan? Coverage with Travel Medical USA Visitor Choice will begin on the date selected and once the policyholder has left their home country. The policy will only cover for conditions that occur after the policy effective date. |
| Q19: When does my coverage start and end on my Travel Medical USA Visitor Choice plan? Coverage on the Travel Medical USA Visitor Choice plan will begin on the selected start date (12:00am EST) and once the traveler has left their home country. The coverage will end immediately once the traveler has entered back into their home country and at 11:59pm EST on the last date of coverage. |
| Q20: Will my Travel Medical USA Visitor Choice plan be extended /renewed automatically? No, your Travel Medical USA Visitor Choice plan won't be extended or renewed automatically. You have to sign into your account online and activate the extension or renewal yourself. Not all plans are extendable or renewable, so be sure to review your policy terms and conditions for eligibility. |
| Q21: Does the Travel Medical USA Visitor Choice plan provide quarantine coverage? The Travel Medical USA Visitor Choice plan does not offer any coverage for quarantine. |
| Q22: How does the Deductible work for Travel Medical USA Visitor Choice? For the Travel Medical USA Visitor Choice plan, it is better to choose the lowest deductible available. The deductible is per/incident type, which means, you would be responsible for separate deductibles, for every unrelated sickness or injury. The limited plans pay a fixed dollar amount for every service or treatment. Also, the deductible is applied to these fixed benefit amounts, and not the amount that the doctor charges. |
| Q23: Travel Medical USA Visitor Choice says that the deductible is per incident or per injury or sickness. Does this mean I have to pay the deductible each time I make a visit to a Doctor or hospital? No you do not have to pay a deductible each time you go to a doctor with Travel Medical USA Visitor Choice. Per-incident/per sickness or injury means that the deductible would apply separately to each different sickness or injury. But for each individual sickness or injury, the deductible would apply only one time. After you meet the deductible once for a sickness or injury, the plan would pay a fixed dollar amount for every service or treatment related to that. You would not be responsible for further deductibles for follow-up visits for the same sickness or injury. You would be responsible for a new deductible, only if a new unrelated sickness or injury starts. |
| Q24: Do I have to pay upfront, or are the doctors going to bill the insurance company directly for Travel Medical USA Visitor Choice? The billing process is at the discretion of the providers. Depending on the billing practice of the service provider, they may directly bill the insurance company for Travel Medical USA Visitor Choice or may ask you to pay upfront and get reimbursed from the insurance company. The claim process would be mandatory, whether you have to pay upfront, or the providers directly bill the insurance company. |
| Q25: I want to purchase Travel Medical USA Visitor Choice for more than one visitor. Should I purchase two separate policies for them or have a combined policy? The benefits and costs do not differ if you buy individual or combined Travel Medical USA Visitor Choice policies. If the visitors have different travel plans (might be coming together but leaving on different dates, etc.) it is recommended to buy separate policies. Having separate policies gives you more flexibility in renewals and cancellations. |
| Q26: Can I purchase Travel Medical USA Visitor Choice after I arrive at my destination? Yes, you may purchase Travel Medical USA Visitor Choice even after the traveler has entered their destination country. Eligible benefits and coverage will begin after the policy's effective start date. |
| Q27: Why do corrections to Travel Medical USA Visitor Choice take 3-5 business days? The insurance provider for Travel Medical USA Visitor Choice recommends that you submit any correction requests in writing as your policy is a legally enforceable document. Following receipt of the correction, we send the request to the insurance provider; normally, the updates require 3-5 business days. They are processed in the order that they are received. We advise double-checking the information on the application before completing the purchase to prevent any errors and corrections. |
| Q28: My credit card expired how do I receive my refund for Travel Medical USA Visitor Choice? If your original payment method for Travel Medical USA Visitor Choice is no longer valid, your financial institution should provide a refund by issuing a check or returning the funds to you. In case the refund is returned to the insurance company, the processing might take up to 45 days, and we'll inform you accordingly. |
| Q29: Where can I find answers to other questions I have? Learn more from informative articles at Visitor Insurance Information section. |