What Is Travel Medical Choice Insurance?
Travel Medical Choice Insurance is a comprehensive visitor medical insurance plan offered by Seven Corners, designed for non-U.S. residents traveling to the United States or outside their home country. It provides reliable short-term health coverage against unexpected medical expenses during international travel, with access to the UnitedHealthcare PPO network for quality care.
- Coverage from 5 days to 364 days.
- Provides coverage for acute onset of pre-existing conditions for visitors under 80 years of age.
- Covers inpatient hospitalization and outpatient medical treatment.
- Includes coverage for cardiac conditions and related medical emergencies.
- The plan meets Schengen visa travel insurance requirements for eligible travelers.
- Access to ID card and documents online after purchase.
- 24/7 customer service and support available.
Travel Medical Choice Insurance Reviews
What Are the Maximum Coverage Limits of Travel Medical Choice Insurance?
The policy maximum in Travel Medical Choice Insurance is the total coverage amount available for eligible medical expenses during the policy period. Once this limit is reached, no further benefits are payable. The plan offers coverage options of $50,000, $100,000, $500,000, and $1,000,000.
What Is the Deductible for Travel Medical Choice Insurance?
The deductible is the amount that insured travelers must pay out of pocket before the Travel Medical Choice Insurance plan begins to cover eligible medical expenses. Travel Medical Choice Insurance offers flexible deductible options of $0, $100, $250, $500, $1,000, and $2,500, allowing travelers to choose the option that best fits their budget.
What Is the Coinsurance in Travel Medical Choice Insurance?
Co-insurance is the percentage of eligible expenses the company will pay after the deductible is met. If the insured receives treatment in the PPO Network, Travel Medical Choice insurance pays 80% of eligible expenses up to $10,000, then 100% up to the Maximum Limit.
Why Should I Buy Travel Medical Choice Insurance?
Travel Medical Choice Insurance is the ideal choice for international travelers seeking comprehensive and reliable medical protection while visiting the United States. Here's why travelers choose this plan:
Top reasons to choose the Travel Medical Choice plan include:- Comprehensive Medical Coverage – Covers hospitalization, doctor visits, urgent care, prescription drugs, and emergency medical treatment during your USA visit.
- High Coverage Limits – Choose from $50,000, $100,000, $500,000, or $1,000,000 in coverage for strong financial protection against unexpected medical expenses.
- UnitedHealthcare PPO Network Access – Get access to one of the largest provider networks in the USA ensuring quality medical care at negotiated rates.
- Emergency Medical Evacuation – Includes up to $500,000 in emergency evacuation coverage to ensure you receive proper medical care wherever you are.
- Cardiac & Pre-Existing Condition Coverage – Covers acute onset of pre-existing conditions including cardiac events and stroke for eligible travelers under 80 years of age.
- Physiotherapy & Chiropractic Care – Includes coverage for physiotherapy and chiropractic care up to $50 per visit for up to 10 visits.
- Flexible Coverage Period – Coverage available from 5 days up to 364 days making it perfect for both short visits and extended stays in the USA.
- Optional Adventure Sports Coverage – Add on adventure activities coverage for activities like bungee jumping, scuba diving, skydiving, paragliding, zip lining and more at an additional cost.
- 24/7 Emergency Assistance – Round-the-clock emergency support and travel assistance services included with every plan.
Who Is Eligible for the Travel Medical Choice Insurance Plan?
- The plan is available for Non US residents traveling to the US.
- Individuals and families including unmarried dependent child(ren) traveling outside of their Home Country.
- Travelers who are at least 14 days old or older at the time of enrollment.
Can the Travel Medical Choice Insurance Be Extended or Renewed?
The Travel Medical Choice plan can be renewed if you initially buy less than 364 days of coverage, you may buy additional time, to a total of 364 days. Your original effective date is used to calculate your deductible and coinsurance and to determine pre-existing conditions. $5 administrative fee is charged for each renewal.
Read more »How Much Does Travel Medical Choice insurance Cost Per Month in 2026?
The Travel Medical Choice insurance cost per month ranges between $94 to $1033. The cost of travel insurance is determined by factors such as
- Traveler’s age
- Trip Duration
Understandably, the cost of Travel Medical Choice is higher for older travellers as they are more likely to need healthcare while traveling. Also, the higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers up to age of 69 years can choose maximum limits of $50,000, $100,000, $500,000, $1,000,000. Travelers aged 70 to 79 years can choose $50,000 or $100,000 coverage. For travelers above 80 years only $10,000 maximum coverage is available.
Here we are showing Travel Medical Choice travel insurance cost per month with a deductible of $250.
| Age of Traveler | Medical Maximum | |||
|---|---|---|---|---|
| $50,000 | $100,000 | $500,000 | $1,000,000 | |
| 19 - 29 years | $94 | $119 | $149 | $166 |
| 30 – 39 years | $101 | $128 | $160 | $179 |
| 40 – 49 years | $108 | $137 | $176 | $199 |
| 50 - 59 years | $192 | $241 | $306 | $344 |
| 60 - 64 years | $275 | $351 | $480 | $514 |
| 65 – 69 years | $340 | $434 | $594 | $634 |
| 70 - 74 years | $493 | $668 | ||
| 75 - 79 years | $760 | $1033 | ||
For senior travelers aged 80 to 99, the cost is $814, with a maximum coverage of $10,000 and a deductible of $250.
What Are the Benefits of Travel Medical Choice Insurance?
-
Hospital room and board help URC to medical maximum Emergency Room Services help URC to medical maximum, for including USA URC to medical maximum up to $100 copay per visit Urgent Care Clinic help URC to medical maximum, for including USA URC to medical maximum up to $20 copay Physician Office Visit help URC to medical maximum, for including USA URC to medical maximum up to $20 copay Outpatient Medical Expenses URC up to Medical Maximum Prescription Drugs URC up to medical maximum Physiotherapy and Chiropractic Care $50 per visit, 10 visits maximum Incidental Trips to Home Country $10,000 Extension of Benefits to Home Country $10,000 Emergency local ambulance help Inside the United States: $10,000
Outside the United States: Up to Medical MaximumDental Emergency help $200 for accident and $100 for sudden relief of pain Dental – Accident $500 -
Emergency medical evacuation help $500,000 [separate from medical maximum] Emergency reunion help $200 per day, 10-day limit $50,000 maximum Return of mortal remains or cremation/burial help Up to $50,000 Bedside Visit $1000 Return of minor children help Up to $50,000 Political evacuation and repatriation help $10,000 Natural disaster evacuation help $25,000 Natural Disaster Daily Benefit help $100 per day / 5 day limit -
Accidental death & dismemberment help Members under age 18: Up to $5,000 principal sum
Members age 19-80: $25,000 principal sum
$250,000 aggregate limit per total insureds on planCommon carrier accidental death help Members under age 18: Up to $10,000 principal sum
Members age 19-80: $50,000 principal sum
$250,000 aggregate limit per total insureds on planTrip interruption help $5,000 maximum limit. Not subject to deductible Loss of Checked Baggage help $50 per article / $500 per occurrence Lost or Stolen Travel Documents $100 Personal Liability $50,000 24/7 Travel Assistance Services Included -
Acute Onset of Pre-Existing Conditions help
(80 years and above are not covered)With Cardiac Condition and/or Stroke:
Ages 14 days to 69 years: $50,000
Ages 70 to 79 years: $5,000
Other than Cardiac Condition and/or Stroke:
Ages 14 days to 69 years: $75,000
Ages 70 to 79 years: $7,500 -
Adventure Activities Up to Medical Maximum
What Is Covered Under Acute Onset In Travel Medical Choice Insurance?
Travel Medical Choice Insurance provides limited emergency coverage for the acute onset of pre-existing conditions, meaning a sudden and unexpected flare-up that requires immediate medical treatment during your U.S. visit.
Coverage Limits- Ages 14 days to 69 years: Up to $50,000
- Ages 70 to 79 years: Up to $5,000
A pre-existing condition is any illness or injury that existed within 36 months before your coverage start date. This includes cases where:
- You were diagnosed
- You received treatment
- Treatment was recommended
- A doctor can reasonably confirm the condition existed, even if undiagnosed or not disclosed
Note:Worldwide Including the United States(168 hour [7 days] waiting period):
It also covers chronic issues, ongoing symptoms, complications, or recurring problems related to that condition.
Why Should I Buy Travel Medical Choice Insurance Plans on American Visitor Insurance?
Buying Seven Corners insurance through American Visitor Insurance is a smart choice for visitors to the United States. It provides reliable travel medical insurance for USA visitors, covering unexpected illness, and emergency medical expenses where healthcare costs are high.
- Trusted Provider - Buy Seven Corners travel insurance through American Visitor Insurance, a licensed agency specializing in visitor medical insurance for USA travelers.
- Easy Plan Comparison - you can quickly compare Seven Corners plans, coverage limits, and deductibles to choose the best USA visitor insurance plan for your trip.
- Affordable Pricing - Seven Corners offers budget-friendly travel medical insurance with competitive rates based on age, trip duration, and coverage amount.
- Quick Online Purchase - Buy online in minutes with instant confirmation, immediate coverage options, and a free look period.
- Expert Support - Get professional assistance from American Visitor Insurance to help with plan selection, coverage questions, and claims guidance.
In short, buying Seven Corners travel insurance through American Visitor Insurance ensures you get reliable coverage, competitive rates, and personalized support for safe and worry-free travel.
Need Assistance Choosing The Right Plan?
Need help understanding your policy?
Our Customer Service team is available 24x7, putting your needs first every step of the way.
What Optional Riders Are Included in Travel Medical Choice Insurance?
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
Adventure Activities Coverage- Covers up to medical maximum
- The company will reimburse you for covered expenses up to the amount in the schedule of benefits resulting from an injury sustained while participating in any of the following activities:
- Bungee jumping; caving; hang gliding; hot air ballooning as a passenger; jet skiing; kayaking, excluding white water; motorcycle up to 250cc or motor scooter riding whether as a passenger or a driver; Micromobility Vehicle(s); non-hunting safaris, including boat safaris, bush walking, camping or lodging, game drives, horseback or camel safaris, night safaris, or walking safaris; Parachuting; paragliding; parasailing; scuba diving only to a depth of thirty (30) meters with a breathing apparatus provided that You are SSI, PADI or NAUI certified; Sky Diving in tandem with an instructor; snowmobiling; spelunking; surfing, bodyboarding, or wakeboard riding waves up to two (2) feet high as forecasted by the National Weather Service or similar government entity; water skiing; windsurfing; or zip lining.
Travel Medical Choice Insurance – PPO Network
Provider network and how to find hospital or doctor? Seven Corners maintains United health care 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.
location_city Find Provider Network
Travel Medical Choice Health Insurance – FAQ's
Travel Medical Choice insurance is short term travel health insurance offers coverage for non-U.S. Residents 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
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, $50,000 coverage is available and for age range of 70 to 79 years, $5,000 coverage is available and other than cardiac condition and/or stroke for age range of 14 days to 69 years, $75,000 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 $50,000 for age under 64 years and a coverage of $10,000 for age of 65-79.
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.
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.
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.
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.
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.
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.
Yes, Travel Medical Choice covers heart attacks and other cardiac emergencies as part of its full pre-existing condition coverage, which applies to insureds up to age 99. Eligible treatment related to pre-existing heart conditions is included, subject to the plan’s policy limits and deductible.
Learn more »
How Do I File a Claim With Travel Medical Choice Insurance?
To file a claim with Travel Medical Choice Insurance, follow these steps:
Download Form
Get claim form online
Call Support
1-888-484-0827
Submit Documents
Mail to Seven Corners, Inc.Attn: Claims PO Box 211760 Eagan, MN 55121.
Email Help
customerservice@sevencorners.com
What Are the Restrictions of Travel Medical Choice Insurance?
The geographic restrictions for Travel Medical Choice Insurance
- State Restrictions: The plan will not accept a mailing address in Maryland, Washington, New York, South Dakota, and Colorado.
- Residence Country Restrictions: The plan will not accept an address in United States, Australia, Cuba, Gambia, Ghana, Iran, Nigeria, North Korea, Sierra Leone, Syria, U.S. Virgin Islands.
- Destination Restrictions: The plan will not cover trips to Antarctica, Cuba, Iran, North Korea, Russia, Syria, Bahrain, Cyprus, Jordan, Kuwait, Oman, Pakistan, Qatar, Saudi Arabia, and the United Arab Emirates.
What Is Pre-Certification Requirements for Travel Medical Choice Insurance?
Travel Medical Choice Insurance Pre-Certification
The following expenses must always be pre-certified in the U.S. only:
- Outpatient surgeries or procedures;
- Inpatient surgeries, procedures, or stays including those for rehabilitation;
- Diagnostic procedures including MRI, MRA, CT, and PET Scans;
- Chemotherapy;
- Radiation therapy;
- Physical and occupational therapies;
- Home infusion therapy;
- Home Health Care.
To comply with the pre-certification requirements, you must:
- Contact Seven Corners Assist before the expense is incurred;
- Comply with Seven Corners Assist’s instructions;
- Notify all medical providers of the pre-certification requirements and ask them to cooperate with Seven Corners Assist.
Once we pre-certify your expenses, we will review them to determine if they are covered by the plan. Failure to comply with pre-certification requirements
If you do not comply with the pre-certification requirements or if the expenses are not pre-certified, we will review the expenses to determine if they are covered by the plan. If covered:
- Eligible medical expenses will be reduced by 25%; and
- The deductible will be subtracted from the remaining amount; and
- Coinsurance will be applied.
Pre-certification does not guarantee benefits – Pre-certification does not guarantee coverage for, or payment of expenses.
Travel Medical Choice Insurance – Exclusions
- Pre-Existing Condition(s) except as waived under Waiver of Pre-Existing Conditions and Acute Onset of Pre-Existing Conditions.
- Claims not received by the Company or Administrator within ninety (90) days of the date of service:
- 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;
- 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;
- Routine physicals, inoculations, or other examinations or tests conducted when there is no objective indications or impairments in normal health;
- 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;
- 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;
- 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;
- Treatment paid for or furnished under any other individual, government, or group policy or Expenses incurred at no cost to You;
- 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;
