Travel Medical Choice Insurance Reviews

Medical Coverage for International Travel Including and Excluding the United States.

Travel Medical Choice Insurance Reviews

Medical Coverage for International Travel Including and Excluding the United States.

Travel Medical Choice Insurance Cost

Age & Citizenship
Destinations
Start Date
End date

Key benefits of Travel Medical Choice

PPO network

Acute onset of a pre-existing condition

Comprehensive plan

Renewability

Cardiac Condition coverage

Adventure Activities

travel Medical Choice insurance reviews

Insurance provider
Seven Corners
Travel Medical Choice rating
AM Best Rating: "A" (Excellent)
Travel Medical Choice insurance underwriter
For Including USA Underwritten by Crum & Forster SPC
For Excluding USA Underwriters at Lloyd’s, London
Coinsurance of Travel Medical Choice
In Network - The plan pays 100%
100%
Out of Network
80%

The plan pays 90% of eligible expenses up to $10k, then 100% up to the Maximum Limit.

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Compare Travel Medical Plans

Travel Medical Choice Links

Compare Seven Corners Travel Medical Insurance plans

Travel Medical Choice satisfies Schengen visa insurance requirements

schengen

Seven Corners Travel Medical Choice Insurance satisfies Schengen requirements. Choose a $0 deductible to be sure you meet Schengen visa travel insurance requirements. Travelers who are 65 years and older will not meet the minimum requirements for a Schengen visa on the Travel Medical Choice Insurance.

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. List of nationalities who need Schengen Visa.

Plan details of Travel Medical Choice Insurance

  • adv-icon  Travel Medical Basic Advantages
    • Covers Acute Onset of a Pre-existing Condition are covered up to 79 years.
    • Covers cardiac condition and/or stroke under acute onset of a pre-existing conditions.
    • Deductible per policy period.
    • Cancellation and refund of full premium provided before the policy start date.
    • Covid will be treated same as any Illness.
    • Meets Schengen visa requirements
  • disad-icon  Travel Medical Basic Disadvantages
    • Only $10k maximum coverage for 80+ travelers.
    • The maximum duration of the policy including renewals cannot exceed 12 months.
    • These plan will not accept a mailing address in Maryland, Washington, New York, South Dakota, and Colorado.
    • These plans do not cover political unstable countries like Syrian Arab Republic, Nigeria, and Sierra Leone and more
  • special-coverage Which are the geographic restrictions for Travel Medical Choice insurance?
    Travel Medical Choice Insurance Restrictions
    • 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, Sierra Leone, and Democratic People's Republic of Korea (North Korea).
    • Destination Restrictions: The plan will not cover trips to to Antarctica, Islamic Republic of Iran, Syrian Arab Republic, Cuba, and Democratic People's Republic of Korea (North Korea).
  • exclusion-icon 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.
  • claims-icon How are Travel Medical Choice insurance claims settled?
    Travel Medical Choice Insurance Claims

    Please visit: Seven Corners Claims Forms
    Toll Free Number: 1-800-335-0611 (Seven Corners claims phone number)
    Claims Department:
    Email: claims@sevencorners.com
    Fax: (+1) 317-575-2256
    Seven Corners, Inc
    Attn: Claims
    PO Box 211760
    Eagan, MN 5512

Need Help
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Contact our customer service team
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A working example of using Travel Medical Choice insurance*

Example - Inside the PPO Network

  • Insurance coverage is $50k
  • Deductible is $100 per certificate period
  • Coinsurance for claims incurred inside US After the deductible, underwriters will pay 100% up to the policy limit
  • Your claims for medical expenses is $17,850
Below is a simple calculation showing how much the plan/insurance company pays you:
  1. Subtract the deductible from claims amount - $17,850 minus $100 equals $17,750. Insured bears $100
  2. Apply 100% coinsurance
  3. Plan/insurance company pays 100%: $17,850 and insured bears $100
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $100 $0 $100
Days in hospital $2k/day for 3 days $4,500+$1k $500 (90% of first $5k)
Hospital Indemnity $250/day for 3 days $150/day for 3 days $300
Felonious assault $11k $10k $1k
Total: $17,850 $15,950 1,900

Example - Out of PPO Network

  • Insurance coverage is $50k
  • Deductible is $100 per certificate period
  • Coinsurance for claims incurred inside US After the deductible, 80% of first $5k and then 100% to the policy limit
  • Your claims for medical expenses is $24,100
Below is a simple calculation showing how much the plan/insurance company pays you:
  1. Subtract the deductible from claims amount - $17,850 minus $100 equals $17,750. Insured bears $100
  2. Apply 80% coinsurance for first $5k of $17,850. i.e. $5k*0.80 equals $4k. Insured bears $1k
  3. Plan/insurance company pays: $17,850 minus $1k equals $16,850 and insured bears $1,100
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $100 $0 $100
Days in hospital $2k/day for 3 days $4k+$1k $1k (80% of first $5k)
Hospital Indemnity $250/day for 3 days $150/day for 3 days $300
Felonious assault $11k $10k $1k
Total: $17,850 $15,450 2,400
* Disclaimer:- We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.

Travel Medical Choice visitor insurance - Common Questions

01. What are the benefits of Travel Medical USA travel insurance?

Travel Medical USA insurance is short term travel health insurance designed for anyone visiting the United States. Travel Medical USA Insurance provides coverage for those who are traveling on vacation. It offers core travel insurance benefits, with coverage from as little as Five days. The benefits offered on the Travel Medical USA Insurance plan provide a range of high quality travel insurance benefits to cover you in the event of an unexpected accident or injury when you are abroad. This includes coverage for medical expenses, evacuation, repatriation, emergency reunion and other related benefits.

02. What is the coverage area of Travel Medical Choice travel insurance?

Travel Medical Choice insurance is short term travel health insurance offers 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.This plans covers coverage for covid19

03. Does Travel Medical Choice Insurance covers pre-existing conditions?

Yes, Travel Medical Choice offers coverage for the acute onset of pre-existing condition coverage with cardiac condition and/or stroke for age range of 14 days to 69 years, $50k coverage is available and for age range of 70 to 79 years, $5k coverage is available and other than cardiac condition and/or stroke for age range of 14 days to 69 years, $75k coverage is available and for age range of 70 to 79 years, $7,500 coverage is available for Including USA . For Excluding USA it offers Acute onset of pre-existing conditions are covered up to $50k for age under 64 years and a coverage of $10k for age of 65-79.

04. How much does Travel Medical Choice insurance cost?

The cost of the Travel Medical Choice insurance will vary depending on the age of the traveler, the type of coverage, the travel destination and the duration of travel. Typically, visitors travel insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers.

05. How do I purchase Travel Medical Choice Insurance?

You can purchase Travel Medical USA Insurance on American Visitor Insurance at buy Travel Medical Choice . You can also call them at (877)-340-7910 to get more information on how to apply for Travel Medical Choice insurance from licensed insurance agents.

06. What are the requirements for applying Travel Medical Choice Insurance?

The main requirements for applying for Travel Medical Choice insurance is the travelers passport details and the travel dates. You can apply for Travel Medical Choice insurance online on American Visitor Insurance or call (877)-340-7910 to get help while applying.

07. 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.

08. 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.

09. 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.

10. 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.

11. 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.

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

Visitors to USA can review this article on how to use travel mdical choice visitor medical insurance in case of emergency in the United States.

13. 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 80% of the first $5k, 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 $5k, 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.

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

Yes, Travel Medical Choice insurance satisfies Schengen visa insurance requirements, it has a $50k 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.

Best Comprehensive US Visitors Travel Insurance

What are some insurance terms important in Travel Medical Choice reviews?

  • Plan Maximum coverage of Travel Medical Choice travel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Travel Medical Choice insurance offers maximum coverage up to 5 million.
  • What is a deductible in Travel Medical Plus visitors 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 Choice insurance offer a set of deductible options for the travelers to choose from. Travel Medical Choice insurance has a range of deductible option from $0 up to $5k.
  • What is a provider network of Travel Medical Choice 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.
  • What is coinsurance in Travel Medical Choice visitor insurance?
    This is a percentage of the bill that the travel has to pay. Travel Medical Choice plan have 100% coinsurance coverage outside USA.
    For coverage inside USA:
    Travel Medical Choice pays
    IN PPO NETWORK
    The plan pays 100%.
    OUT OF PPO NETWORK
    The plan pays 90% of the first $5k, then 100% to the medical maximum.
  • Renewability of Travel Medical Choice Travel health insurance
    Travel Medical Choice Insurance can be renewed from 5 days to 364 days.
  • Eligibility to buy Travel Medical Choice Insurance Online
    Individuals and families including unmarried dependent children traveling outside of their Home Country.
  • Travel Medical Choice Pre-existing conditions Visitors Insurance for international travelers
    Travel Medical Choice insurance offers coverage for acute onset of pre-existing conditions
    Travel Medical Choice offers
    Worldwide Including the United States(Cardiac Condition and/or Stroke):
    Ages 14 days to 69 years: $50k
    Ages 70 to 79 years: $5k
    Worldwide Including the United States(Other than Cardiac Condition and/or Stroke):
    Ages 14 days to 69 years: $75k
    Ages 70 to 79 years: $7,500
    Worldwide Excluding the United States:
    Ages 14 days to 64 years: $50k
    Ages 65 to 79 years: $10k
Travel Medical Choice

Provider network and how to find hospital or doctor?

Seven Corners maintains a wide network of health care providers.
In US there are 2 options: United health care and PHCS Out of Area Network.
You need to check your insurance card to find any one of the below 2 logos:
united-healthcare phcs
Outside US: Wellabroad.com to use Seven Corners’ International Network
For the United healthcare PPO 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

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