Compare Travel Medical Insurance by Seven Corners

Compare travel insurance benefits offered by Travel Medical Basic Insurance and Travel Medical Choice Insurance plans. These US travel insurance plans are comprehensive benefit visitor insurance plans for international travel which offer coverage for acute onset of pre-existing conditions. Compare price and benefits to find the best US travel medical insurance plan for your needs.

Compare Travel Medical Insurance plans visitor insurance cost comparison

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Travel Medical Basic vs Travel Medical Choice
Travel Medical Basic
Plan Maximum
Deductible
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Travel Medical Choice
Plan Maximum
Deductible
Travel Medical Choice
Plan Maximum
Deductible
Coinsurance Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit. In-network: The plan pays 100%.
Out-of-network: We pay 90% of the first $5k,then 100% to the medical maximum.
Deductible Options Worldwide including US
$0; $100; $250: $500; $1k, $500

Worldwide excluding US
Ages 14 days to 64 years: $0; $100; $250: $500; $1k; $5k
Ages 65 to 79 years: $0; $250; $500; $1k; $5k
80 years and older: $0; $500; $1k; $5k
Worldwide including US
$0; $100; $250: $500; $1k, $500

Worldwide excluding US
Ages 14 days to 64 years: $0; $100; $250: $500; $1k; $5k
Ages 65 to 79 years: $0; $250; $500; $1k; $5k
80 years and older: $0; $500; $1k; $5k
 Medical Benefits
Hospital room and board URC up to medical maximum URC up to medical maximum
Intensive care unit URC up to medical maximum URC up to medical maximum
Hospital indemnity Not Covered Including USA :Not Covered
Excluding USA : $150 per overnight inpatient confinement, maximum limit of 30 overnights. Not subject to deductible
Urgent Care Clinic Including USA: URC up to medical maximum , $30 copay [in addition to deductible]
Excluding USA : URC up to medical maximum
Including USA:URC up to medical maximum , $20 copay [in addition to deductible]
Excluding USA : URC up to medical maximum
Prescription Drugs URC up to medical maximum URC up to medical maximum
 Emergency Services
Emergency local ambulance Including USA: $5k
Excluding USA: Up to medical maximum
Including USA: $10k
Excluding USA: Up to medical maximum
Hospital emergency room Including USA: Up to $100 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. (no co-payment for emergency room treatment of an injury)
Excluding USA: Up to the maximum limit
Including USA: Up to $100 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. (no co-payment for emergency room treatment of an injury)
Excluding USA: Up to the maximum limit
 Dental
Emergency dental treatment $250 maximum limit due to accident and $100 for sudden relief of pain $500 maximum limit due to accident and $200 for sudden relief of pain
Emergency Eye Exam Not Covered Including USA: Not Covered
Excluding USA: $100 per occurrence
 Acute Onset of Pre-Existing Condition
Acute Onset of Pre-Existing Conditions
Worldwide Including the United States(168 hour [7 day] waiting period):
  • Ages 14 days to 69 years: $25k
  • Ages 70 to 79 years :$2.5k
  • Ages 80 years over :Not Covered
Worldwide Excluding the United States(72 hour [3 day] waiting period):
  • Ages 14 days to 64 years: $25k
  • Ages 65 to 79 years :$5k
  • Ages 80 years over :Not Covered
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
 Life
AD&D Under age 18: Up to $2.5k principal sum
Under age 19-80: $10k principal sum
$250k aggregate limit per total insureds on plan
Under age 18: Up to $5k principal sum
Under age 19-80: $25k principal sum
$250k aggregate limit per total insureds on plan
Common carrier AD&D Under age 18: Up to $5k principal sum
Under age 19-80: $20k principal sum
$250k aggregate limit per total insureds on plan
Under age 18: Up to $10k principal sum
Under age 19-80: $50k principal sum
$250k aggregate limit per total insureds on plan
 Evacuation
Emergency medical evacuation Up to $250k Up to $500k
Emergency reunion $200 per day / 10 day and $25k maximum $200 per day, 10-day limit $50k maximum
Return of mortal remains or cremation/burial $25k $50k
Return of minor children $25k $50k
Political evacuation and repatriation $10k $10k
Natural disaster evacuation $25k $25k
Natural Disaster Daily Benefit $50 per day / 5 day maximum $100 per day / 5 day maximum
Bedside Visit $1,000 $1,000
Trip interruption $2.5k maximum limit. Not subject to deductible $5k maximum limit. Not subject to deductible
Terrorism $10k $25k
Adventure Activities (Optional) Up to medical maximum Up to medical maximum
Unique Advantages
  • It is Comprehensive benefit plan.
  • Very affordable plan for short term travel cover.
  • Coverage for non-U.S. Residents and non-U.S. Citizens while traveling outside of Your Home Country.
  • It is Comprehensive benefit plan.
  • Covers cardiac condition and/or stroke under acute onset of a pre-existing conditions.
  • Cancellation and refund of full premium provided before the policy start date.
  • i>
 Travel Insurance
Underwriter Crum & Forster SPC Crum & Forster SPC
Rating A++ (Superior)
Standard & Poor’s Rating: AA-
"A" (Excellent
Brochure and Details

Travel Medical Basic vs Travel Medical Choice Insurance Reviews

As the domestic health insurance will not offer coverage outside international borders, a medical bill can be traumatic when you get hospitalized due to sudden sickness or accidental injuries. In some countries the health care treatment facility would want the travelers to pay the bills prior to receiving the treatment. Buying a good visitors medical insurance can save you from these shocking financial crisis while you are abroad. Seven Corners offers Travel Medical Insurance which is quote popular among international tourists outside their home country.

compare travel medical plans

Seven Corners, Inc established in 1993, has been offering 20 retails plans focusing on domestic and international health insurance programs. It is self-owned company employing 165 people and has 19 years of excellent experience in international and benefit management. The Travel Medical Insurance comes in three variants, Travel Medical Choice and Travel Medical Basic Insurance. It is important to compare Travel Medical Choice Insurance and Travel Medical Basic Insurance benefits and coverage to select the best international visitor medical insurance.

Factors for 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:

01. Compare medical maximum coverage

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.

02. Compare deductible options

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.

03. Compare provider network

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.

04. Compare coinsurance options

Travel Medical Basic Visior Insurance
  • In PPO Network: 80% of the first $5k, then 100% to the medical maximum.
  • Out PPO Network: 70% of the first $5k, then 100% to the medical maximum.
Travel Medical Choice Visior Insurance
  • In PPO Network: The plan pays 100%.
  • Out PPO Network: 90% of the first $5k, then 100% to the medical maximum.

05. Contrast the renewability options

Travel Medical Basic and Travel Medical Choice can be renewed up to a total of 364 days.

06. Compare eligibility options

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.

07. Pre-existing conditions coverage

Travel Medical Basic pre-existing condition travel insurance
  • 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 pre-existing condition travel insurance
  • 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.

Pre-existing conditions coverage comparision

Pre-Existing FAQ's Travel Medical Basic Travel Medical Choice
What is a Pre-Existing Condition definition?
Worldwide Including the United States
Ages 14 days to 69 years: $25k
Ages 70 to 79 years: $2.5k
80 years and above are not covered
Worldwide Excluding the United States:
Ages 14 days to 64 years: $25k
Ages 65 to 79 years: $5k
80 years and above are not covered
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
What types of pre-conditions are covered?
  1. Acute Onset of Pre-Existing Condition
  1. Cardiac Condition and/or Stroke
  2. Acute Onset of Pre-Existing Condition
Is there any look back period for pre-existing condition coverage? If so what is the look back period for pre-existing conditions? For travelers traveling outside USA, 12 months pre-existing conditions are not covered prior to the start of insurance coverage. For travelers traveling outside USA, 12 months pre-existing conditions are not covered prior to the start of insurance coverage.
Do you need a medical report of the person with the pre-existing condition? No No
Will we get a document stating that we have insurance and stating that the pre-existing condition is covered? This plan does not provide a separate document This plan does not provide a separate document
What is pre-certification? There is no pre-certification requirements under Atlas America plan. You must call the plan provider to make sure that the procedure / medical coverage that you seek is indeed covered by your plan.
What is the maximum age for eligibility? Covered up to age 79 Covered up to age 79
  • FEATURES
  • Eligible Plan for USA Coverage
  • Parents Eligible to be insured
  • Acute on set of Pre-existing Cover
  • Renewable and Cancellable
  • Deductible Choice
  • A.M. Best Rating
  • Covid coverage
  • Underwriter
  • Provider
  • Buy now
  • Travel Medical Basic
  • Yes
  • Yes
  • Yes, covers up to 79 years
  • Yes
  • $0 to $5k
  • "A" Excellent
  • Yes
  • Crum & Forster SPC
  • Seven Corners
  • Buy Now
  • Travel Medical Choice
  • Yes
  • Yes
  • Yes, covers up to 79 years
  • Yes
  • $0 to $5k
  • "A" Excellent
  • Yes
  • Crum & Forster SPC
  • Seven Corners
  • Buy Now

Key Highlights

Seven Corners Best Comprehensive US Travel Insurance

Seven Corners Travel Medical Insurance - FAQs

  • Travel Medical Basic Insurance - FAQ's

    Is Seven Corners a real insurance company? Is Seven Corners Legit ? Is Seven Corners a good insurance company?

    Seven Corners Inc. has been offering travel insurance products since 1997. Seven Corners travel insurance is based out of Carmel, Indiana has over 200 employees and offers both domestic and international travel insurance plans . With their Travel Medical Basic insurance and Inbound USA insurance products Seven Corners insurance provides travelers with health coverage ,safety and security for travelers away from home country and with the US.

    It caters to different types of travelers coming to the United States such as on B1 visa, students on F1 visa and professionals on the H1B visa. They also offer travel insurance coverage for US travelers who want trip cancellation insurance for travel insurance.


    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.


    What is the coverage area of Travel Medical Basic travel insurance?

    Travel Medical Basic 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.


    Does Travel Medical Basic Insurance covers pre-existing conditions?

    Yes, Travel Medical Basic offers coverage for Acute onset of pre-existing conditions are covered up to $25K for age under 69 years and a coverage of $2.5K for age of 70-79 for Including USA. For Excluding USA it offers Acute onset of pre-existing conditions are covered up to $25K for age under 64 years and a coverage of $5K for age of 65-79.


    How much does Travel Medical Basic travel insurance cost?

    The cost of the Travel Medical Basic travel 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.


    Does Seven Corners offer Cancel for Any Reason Insurance?

    Yes, Seven Corners insurance offers Cancel for any reason cover as an add-on cover that can be included in their Round trip insurance plans.


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

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


    How to use Travel Medical Basic Insurance 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.


    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.


    How can one use Travel Medical Basic Insurance 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 Insurance visitor medical insurance in case of emergency in the United States.


    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 $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 Basic 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 Basic Insurance working example.

  • Travel Medical Choice Insurance - FAQ's

    What is the eligibility to buy Travel Medical Choice Insurance?
    Individuals and families including unmarried dependent children traveling outside of their Home Country.

    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.

    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.

    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.

    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.

NEED HELP?

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Group Insurance Quote

Travelling in groups?
You can buy the travel medical group insurance!
Requirements
  • All travellers must be traveling outside their home country.
  • The travel group must have a minimum of 5 travelers.
  • You should fill a separate application form for each trip if your group is making multiple trips.
  • US citizens cannot travel within the US on these group plans.
group travel insurance

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Travel Medical Plans - PPO network

Seven Corners - 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

Review travel medical insurance - Blogs and articles

Travel Medical Basic Insurance

The Atlas travel insurance products are available for both US Citizens and Non–US citizens. Travelers can get a quote among the various options they offer according to the travel requirements.

Read more »

Travel Medical Choice Insurance

The Travel Medical insurance is available for non U.S. Residents & Citizens while traveling outside Home Country. Travelers can get a quote among the various options they offer according to the travel requirements.

Read more »

Seven Corners international travel insurance - Resourceful links