OnshoreKare

Q1: Am I eligible for the Seven Corners 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 this plan. The minimum coverage period is 5 days and the maximum coverage period is 364 days.

Q2: Does this plan cover any pre-existing conditions?

No, like any other travel insurance policy, the Seven Corners 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 Seven Corners Travel Medical USA Visitor Choice policy, would also apply to an acute onset of pre-existing condition situation.

Acute onset of a pre-existing condition is defined as: An Acute Onset of a Pre-existing Condition is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A Pre-existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs, or Treatments existent or necessary prior to the Effective Date of coverage.

For more details & exclusions regarding the pre-existing conditions, please check the Seven Corners Travel Medical USA Visitor Choice plan brochure.

Q3: Does this plan covers for acute onset of pre-existing conditions?

Unexpected recurrence of a pre-existing condition is covered up to $75,000 for ages 69 and below. 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?

Seven Corners 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 the plan cover outside the US?

No, this policy only provides coverage within the US.

Q6: How do I file a claim?

Please refer to the following article concerning the claim process:
Visitor Insurance Claim Process

Q7: How much does Seven Corners Travel Medical USA Visitor Choice cost?

The cost of Seven Corners 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 Seven Corners Travel Medical USA Visitor Choice plan cover? Why is it so much cheaper than comprehensive plans?

The Seven Corners 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 Seven Corners 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?

Claim process is mandatory for travel insurance. Even if the providers directly bill the insurance company, 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 this insurance?

Please refer to the following article about the policy usage: how to use Visitor Insurance?

Q11: Why are there state restrictions and will it impact me if I visit one of those states?

Each insurance company may have their own state-specific regulations on where plans can be sold. These state restrictions only impact residents from those specific states from purchasing these plans. However, if you are traveling to the United States, you will be covered in all 50 states during your active policy period.

Q12: Can I extend the Seven Corners Travel Medical USA Visitor Choice plan?

Yes, you can extend your coverage in an increment of 5 days or more up to 364 days. You have to extend the policy before it expires. For each extension, there is a $5 fee. The policy can be extended online.

Q13: Can I cancel the Seven Corners Travel Medical USA Visitor Choice plan?

Yes, you can cancel this plan. 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.

Q14: Can I cancel only one person from the policy?

You cannot remove one person from the 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.

Q15: What information do I need to purchase this insurance?

You will need names, coverage duration, date(s) of birth, home country address, and a valid credit card.

Q16: When will I receive my ID card?

The Seven Corners 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.

Q17: What if I am traveling to multiple countries, will I be covered?

Coverage will be provided in all eligible countries visited with the exception of your Home Country and any restricted countries listed in the policy documentation. Coverage will only be offered within the policy start and end dates. Please note: If any part of your trip includes the United States, please select it as your destination country.

Q18: Does Seven Corners Travel Medical USA Visitor Choice cover coronavirus?

The Seven Corners 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. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.

Q19: Is there a waiting period for coverage to begin on my travel medical plan?

Coverage 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.

Q20: I'm traveling to multiple countries and inputted all the destinations during the quoting process. Why does my policy documents only list one destination country?

Only the primary destination in the application will be listed on the policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period.

Q21: When does my coverage start and end on my travel medical insurance plan?

Coverage on the travel medical insurance plan will begin on the date of departure (12:00am EST) and once the traveler has left their home country. Coverage areas are anywhere outside one's' home country as long as the policy is active. 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.

Q22: Will my Seven Corners Travel Medical USA Visitor Choice plan be extended /renewed automatically?

No, your Seven Corners 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.

Q23: Does the Seven Corners Travel Medical USA Visitor Choice plan cover for the coronavirus vaccine/boosters?

The Seven Corners Travel Medical USA Visitor Choice plan does not cover for the COVID-19 vaccine/booster. Preventative care related to COVID-19, like vaccines/boosters is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.

Q24: Does the Seven Corners Travel Medical USA Visitor Choice plan cover for coronavirus testing?

Seven Corners 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.

Q25: Does the Seven Corners Travel Medical USA Visitor Choice plan provide quarantine coverage?

The Seven Corners Travel Medical USA Visitor Choice plan does not offer any coverage for quarantine.

Q26: How does the Deductible work?

For the Seven Corners 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.
For example :  You choose a $50,000 policy maximum, with a $50 deductible, and you need a doctor’s consolation. You can see in the Schedule of benefits that the insurance would pay $60 for a doctor’s visit.  Now the deductible of $50 would apply to the fixed benefit amounts. So in this case the plan would pay ($60-$50) = $10 towards your doctor’s visit. If you go back again for the same situation for another consultation, then the plan would pay $60.

Q27: The plan 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. 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.
For Example: If you have the flu and visit the doctor two times for the same illness and the doctor asks you to take some lab test, then you pay the deductible once for all the services/treatment related to the flu. However, if you go to the doctor for a different problem, say, an ankle sprain, then the deductible will be applicable again, once for all services /treatments taken for the ankle sprain.

Q28: Do I have to pay upfront, or are the doctors going to bill the insurance company directly?

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 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.

Q29: I want to purchase insurance 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 individually or combined 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.

Q30: Can I purchase the policy after I arrive at my destination?

Yes, you may purchase the policy even after the traveler has entered their destination country. Eligible benefits and coverage will begin after the policy’s effective start date.

Q31: Why do corrections take 3-5 business days and can't be a quick fix?

The insurance provider 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.

Q32: Where can I find answers to other questions I have?

Learn more from informative articles at Visitor Insurance Information section.

Q33: My credit card expired how do I receive my refund?

If your original payment method 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.