Travel Medical Insurance

Compare Travel Medical Basic vs Travel Medical Choice

Travel Medical Basic vs Travel Medical Choice vs Travel Medical Choice

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End Date
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Travel Medical Basic
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Travel Medical Choice
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Travel Medical Choice
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Travel Medical Insurance question and answers

01.  Visitor travel Insurance coverage with the Travel Medical Choice plan

Hello,

I recently bought insurance a couple months ago with this company. However now I’m traveling to another destination that I did not select initially.

I am traveling to Tunisia and I’m wondering if my insurance can extend to this country.

The plan that I purchased is Travel Medical Choice from Seven Corners.

Thank you for your help.

Thanks You

Lauren

Dear Lauren,
Thank you for contacting us at American Visitor Insurance for your US visitor health insurance needs!
From your Certificate number we learnt that the plan you have is from the company Seven Corners and the plan is Travel Medical Choice. During the purchase of the plan, the plan says "Worldwide coverage including/excluding US". With either of the selections you are covered worldwide and in the US unless you excluded it. You can Review Travel Medical Choice Insurance plan details. In this page, we have indicated the restrictions for countries and destinations as per the brochure of the plan: Country Restrictions: The plan will not accept an address in Islamic Republic of Iran, Syrian Arab Republic, U.S. 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. You can take a look at the brochure of the plan in this link: Plan brochure. Other than these countries, you are covered else where, but please make sure that you extend the plan to your required end date before the plan expires, otherwise you can purchase a new plan.

Travel Medical USA Visitor Choice

Please let us know if we can help you in any further.

Regards,
Customer care
www.americanvisitorinsurance.com
877 340 7910
02.  How Travel Medical Basic plan works to pay hospital expenses

Hello,

The Travel Medical Basic will pay the hospital directly or I have to pay and then they will refund me

Thanks You

Monica

Dear Monica,

Thank you for contacting us at American Visitor Insurance for your US visitor medical Insurance needs!
All policies work in the same way. After your purchase you will recieve documentation including an ID card which you should carry with you on your trip. Should you need to use the insurance, you can show your ID card and/or use it to fill out the forms given to you by the doctor/hospital. Ideally, they will then call the insurance company to arrange payment with them. You will still owe them your deductible and coinsurance (which is either 25% for plan A with no cap -- note we do not recommend this plan, or 20% of the first $5000 in medical expenses) which you pay to them directly.

They may say "We don't take your insurance" which really means, they do not want to be bothered to call and arrange payment for you, so in that case (more likely at a doctor's office) you will have to pay up front and submit a claim to the insurance company to get the money back that was overpaid.

This will be the case for all policies and no one can promise they will arrange direct payment since this is up to them only. If you use the Travel Medical Basic Insurance PPO network, direct payment should be more likely, but we have had clients in the network and the provider refused to make the call.As mentioned, this is more likely at a doctor's office and not at a hospital where the bill will be much higher.

Travel Medical Basic

Please let us know if we can help you in any further.

Regards,
Customer care
www.americanvisitorinsurance.com
877 340 7910

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Related Forum Entries

  1. Visitors Insurance Forum
    1. Travel Insurance
    2. US citizens visiting USA
    3. US citizens traveling outside USA
    4. US citizens visiting Australia
    5. Pre Existing Conditions
    6. Coverage for Australians
    7. Senior Citizens
    8. Family
    9. Maternity
    10. Atlas Travel Policy
    11. Puerto Ricans visiting mainland USA
    12. Patriot Travel Policy
    13. Travel Medical Policy
    14. How an insurance plan works?
    15. FAQs Forum
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    2. Study USA Insurance
    3. Patriot Exchange
    4. Student Health Advantage
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    6. OPT Insurance
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  5. H1/H4 Visa Insurance Forum
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  8. International Health Insurance Forum
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  10. Schengen Visa Insurance Forum
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  12. Insurance Clarification Forum
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    2. Coverage
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  13. Direct Billing & Claims Forum
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Forum Entries x
  1. Visitors Insurance Forum
    1. Travel Insurance
    2. US citizens visiting USA
    3. US citizens travelling outside USA
    4. Pre Existing Conditions
    5. Coverage for Australians
    6. Senior Citizens
    7. Family
    8. Maternity
    9. Atlas Travel Policy
    10. Patriot Travel Policy
    11. Travel Medical Policy
    12. How an insurance plan works?
    13. FAQs Forum
  2. Student Insurance Forum
    1. Student Secure Insurance
    2. Study USA Insurance
    3. Patriot Exchange
    4. Student Health Advantage
    5. OPT Insurance
    6. F2 Visa Insurance
  3. Adventure Sports Coverage
    1. Motorcross Coverage
  4. J1 Visa Insurance Forum
    1. J2 Visa Insurance
    2. Study USA Insurance
    3. Patriot Exchange
    4. Family
    5. Maternity
    6. Evacuation-Repatriation Insurance
    7. University Insurance
  5. H1/H4 Visa Insurance Forum
  6. K1 Visa Insurance Forum
  7. International Health Insurance Forum
  8. Green Card Holders
  9. Schengen Visa Insurance Forum
  10. Insurance Cancellation Forum
  11. Insurance Clarification Forum
    1. Buying Insurance
    2. Coverage
    3. Renewal
  12. Direct Billing & Claims Forum
  13. Safe Travel Forum
  14. Visitor Insurance FAQs
  15. Visitor Insurance Blogs

Factors to consider while comparing Travel Medical Insurance Plans

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Travel Medical Choice and Travel Medical Basic Insurance:

Contrast the travel health Insurance renewability options for Travel Medical insurance:

Travel Medical Basic and Travel Medical Choice are available for 364 days.

Compare visitor medical insurance maximum coverage between Travel Medical Insurance:

This the maximum coverage that the plan would offer for the medical expenses. Travel Medical Basic and Travel Medical Choice offers coverage in both Worldwide Including the United States and Worldwide Excluding the United States. In Worldwide Including the United States these plans offers up to $1M and in Worldwide Excluding the United States up to $5M.

Compare visitors health insurance deductible options between Travel Medical visitor insurance:

This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible. Travel Medical Insurance plans have a deductible range starting from $0 up to $5k.

Compare travel medical insurance provider network for Travel Medical visitor medical insurance:

It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.

Compare travel insurance coinsurance options for Travel Medical visitor health insurance:

This is a percentage of the bill that the travel has to pay. All the 3 Travel Medical Insurance plans have 100% coinsurance for coverage outside USA.
  • For coverage inside USA:
  • Travel Medical Basic pays
    • IN PPO NETWORK
      80% of the first $5k, then 100% to the medical maximum.
    • OUT OF PPO NETWORK
      70% of the first $5k, then 100% to the medical maximum.
    Travel Medical Choice pays
    • IN PPO NETWORK
      The plan pays 100%.
    • OUT OF PPO NETWORK
      90% of the first $5k, then 100% to the medical maximum.

    Compare eligibility options of US visitors travel insurance for Travel Medical insurance:

    Both these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Compare Schengen Visa or Schengen visa letter coverage for Travel Medical Insurance:
    Travel Medical Basic Insurance is not available for travellers visiting the Schengen countries. Travel Medical Choice insurance is the most popular Schengen visa insurance plan and satisfies the Schengen visa requirements as mandated by the consulates.

    Compare visitors insurance Pre-existing conditions coverage for Travel Medical visitor medical insurance:

    Travel Medical Insurance offers coverage for acute onset of pre-existing conditions
    Travel Medical Basic offers
    • Worldwide Including the United States
      Ages 14 days to 69 years: $25k, Ages 70 to 79 years: $2.5k, 80 years and older: Not Available offers.
    • Worldwide Excluding the United States
      Ages 14 days to 64 years: $25k, Ages 65 to 79 years: $5k, 80 years and older: Not Available offers.
    Travel Medical Choice
    • Worldwide Including the United States(Cardiac Condition and/or Stroke):
      Ages 14 days to 69 years: $50,000
      Ages 70 to 79 years: $5,000
      Worldwide Including the United States(Other than Cardiac Condition and/or Stroke):
      Ages 14 days to 69 years: $75,000
      Ages 70 to 79 years: $7,500
    • Worldwide Excluding the United States:
      Ages 14 days to 64 years: $50,000
      Ages 65 to 79 years: $10,000.

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    Travel Medical Basic vs Travel Medical Choice Insurance- FAQs

    • Travel Medical Basic
    • Travel Medical Choice
    01.  What if the traveller pays for a healthcare service and needs reimbursement?

    Please refer to the Travel Medical Basic ID cards provided by SevenCorners which will have all the necessary information for reimbursement.

    02. How to use Travel Medical Basic while receiving treatment?

    When you visit a medical provider, explain to them that you have Travel Medical Basic insurance. Show them your ID card and ask them to call Seven Corners Assist if they wish to verify benefits and eligibility. Some providers may agree to bill Seven Corners directly, but they are not required to do so

    03. I wish to extend my stay in the US, is it possible to renew Travel Medical Basic Insurance?

    Yes, Travel Medical Basic insurance is available up to a total of 364 days. Travelers who had initially bought for less than 364 days and wish to extend their coverage can renew Travel Medical Basic insurance online up to 364 days.

    04. How can I cancel Travel Medical Basic insurance?

    If your travel plan is changed and want to cancel Travel Medical Basic 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:

    • A cancellation fee will be charged will be charged by the insurance company.
    • Unused portion of the plan cost will be refunded.
    05. What is the meaning of acute onset of pre-existing conditions?

    Sudden and unexpected outbreak or recurrence of a Pre-Existing Condition(s) that occurs spontaneously and without advanced warning either in the form of Physician recommendations or symptoms and requires urgent care. The Acute Onset of a Pre-Existing Condition(s) must occur after the Effective Date of Coverage and prior to the age shown in the Schedule of Benefits. Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or recurrence. A Pre-Existing Condition that is Congenital or that gradually becomes worse over time is not an Acute Onset of a Pre-Existing Condition. A Pre-Existing Condition will not be considered an Acute Onset of a Pre-Existing Condition(s) if, during the thirty (30) days prior to the acute event, You had a change in prescription or Treatment for a diagnosis related to the acute event. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs, or Treatments existent or necessary prior to arrival in the United States and prior to the Effective Date of Coverage

    06. Does Travel Medical Basic insurance covers pre-existing conditions?

    Travel Medical Basic offers coverage for acute onset of pre-existing conditions for Non US Visitors to USA. Travelers aged up to 69 years can avail coverage up to $15,000. $2,500 coverage for visitors above 70 years for acute onset of pre-existing conditions.
    Waiver of Pre-existing Condition for United States Residents outside the United States: The plan pays up to the specified limit for a sudden, unexpected recurrence of a pre-existing condition. This benefit does not cover known, required, or expected treatment of any kind existent or necessary for 12 months prior to your coverage. US Travelers aged up to 69 years can avail coverage up to $25,000. $5,000 coverage for travelers above 70 years for acute onset of pre-existing conditions.

    07. How can one use Travel Medical Basic visitor medical insurance in case of emergency in the United states?

    Visitors to USA can review this article on how to use Travel Medical Basic visitor medical insurance in case of emergency in the United States.

    08. How does Travel Medical Basic insurance offer coverage for medical expenses?

    Travel Medical Basic insurance offers comprehensive coverage. After the deductible amount. If the US visitor or traveler seeks treatment with the provider network namely “UnitedHealthcare PPO, Multiplan, PHCS out of Area”. When Traveling Outside the United States, you need to visit Wellabroad.com to find healthcare provider or doctor nearest you outside the US. In the US, after the deductible amount, Travel Medical Basic insurance pays 80% of the first $5,000, then 100% up to maximum limit. If the traveler seeks treatment with a doctor or visits a hospital outside the provider network, Travel Medical insurance would pay 70% of the first $5,000, then 100% up to maximum limit. For coverage outside US, the plan pays 100% of the eligible expenses. For detailed working example of how it works, you can review Travel Medical Basic insurance working example.

    01.  What if the traveller pays for a healthcare service and needs reimbursement?

    Please refer to the Travel Medical Choice ID cards provided by SevenCorners at the time of enrolment which will have all the necessary information for reimbursement.

    02. How to use Travel Medical Choice while receiving treatment?

    When you visit a medical provider, explain to them that you have Travel Medical Choice insurance. Show them your ID card and ask them to call Seven Corners Assist if they wish to verify benefits and eligibility. Some providers may agree to bill Seven Corners directly, but they are not required to do so.

    03. I wish to extend my stay in the US, is it possible to renew Travel Medical Choice Insurance?

    Yes, Travel Medical Choice insurance is available up to a total of 364 days. Travelers who had initially bought for less than 364 days and wish to extend their coverage can renew Travel Medical Choice insurance online up to 364 days.

    04. How can I cancel Travel Medical Choice insurance?

    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:
    • A cancellation fee will be charged will be charged by the insurance company.
    • Unused portion of the plan cost will be refunded.
    05. What is the meaning of acute onset of pre-existing conditions?

    Sudden and unexpected outbreak or recurrence of a Pre-Existing Condition(s) that occurs spontaneously and without advanced warning either in the form of Physician recommendations or symptoms and requires urgent care. The Acute Onset of a Pre-Existing Condition(s) must occur after the Effective Date of Coverage and prior to the age shown in the Schedule of Benefits. Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or recurrence. A Pre-Existing Condition that is Congenital or that gradually becomes worse over time is not an Acute Onset of a Pre-Existing Condition. A Pre-Existing Condition will not be considered an Acute Onset of a Pre-Existing Condition(s) if, during the thirty (30) days prior to the acute event, You had a change in prescription or Treatment for a diagnosis related to the acute event. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs, or Treatments existent or necessary prior to arrival in the United States and prior to the Effective Date of Coverage.

    06. Does Travel Medical Choice insurance covers pre-existing conditions?

    Travel Medical Choice offers coverage for acute onset of pre-existing conditions for Non US Visitors to USA. Travelers aged up to 69 years can avail coverage up to $30,000. $5,000 coverage for visitors above 70 years for acute onset of pre-existing conditions.
    Waiver of Pre-existing Condition for United States Residents outside the United States: The plan pays up to the specified limit for a sudden, unexpected recurrence of a pre-existing condition. This benefit does not cover known, required, or expected treatment of any kind existent or necessary for 12 months prior to your coverage. US Travelers aged up to 69 years can avail coverage up to $50,000. $10,000 coverage for travelers above 70 years for acute onset of pre-existing conditions.

    07. How can one use Travel Medical Choice visitor medical insurance in case of emergency in the United states?

    Travelers can review this article on how to use Travel Medical Choice visitor medical insurance in case of emergency in the United States

    08. How does Travel Medical Choice insurance offer coverage for medical expenses?

    Travel Medical Choice insurance offers comprehensive coverage. After the deductible amount. If the US visitor or traveler seeks treatment with the provider network namely “UnitedHealthcare PPO, Multiplan, PHCS out of Area”. When Traveling Outside the United States, you need to visit Wellabroad.com to find healthcare provider or doctor nearest you outside the US. In the US, after the deductible amount, Travel Medical Choice insurance pays 90% of the first $5,000, then 100% up to maximum limit. If the traveler seeks treatment with a doctor or visits a hospital outside the provider network, Travel Medical insurance would pay 80% of the first $5,000, then 100% up to maximum limit. For coverage outside US, the plan pays 100% of the eligible expenses. For detailed working example of how it works, you can review Travel Medical Choice insurance working example.

    09. Can I buy Travel Medical Choice insurance for Schengen visa?

    Yes, Travel Medical Choice insurance satisfies Schengen visa insurance requirements, it has a $50,000 coverage and $0 deductible option for travelers visiting Schengen countries. After buying the plan, to download the Schengen 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.

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