This plan can be purchased for travelers traveling outside of their Home Country.
Full refund if cancellation of policy request is received before the policy start date. If the request for cancellation is received after the policy start date the unused portion of the plan cost may be refunded minus a cancellation fee.
Optional coverage for hazardous sports.
Deductible per person per policy period.
Coinsurance: inside the united states and Canada: After you pay the deductible, the program pays 90% of the next $5,000 of eligible expenses, then 100% to the selected Medical Maximum.
Coinsurance: outside the united states and Canada: After you pay the deductible, the program pays 100% to the selected Medical Maximum.
Coverage under this plan also include coma benefit, felonious assault, terrorism, political evacuation and repatriation, hospital indemnity, emergency reunion, return of minor children and follow me home coverage.
Up to $20,000 waiver of pre-existing conditions for U.S. citizens traveling outside the United States & Canada. For foreign nationals visiting the United States, waiver of pre-existing conditions up to $200 per day for each night spent in the hospital after being admitted for either a heart attack or stroke. Max. Benefit of $3,000.
Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.
These plans do not have benefit limits based on the type of medical expense.
Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)
Wander Frequent Traveler Insurance offers annual medical insurance protecting you when traveling outside of your home country. Annual multi trip travel insurance ideal for business and corporate travelers taking multiple trips worldwide. It is recommended to buy Wander Frequent Traveler for frequent flyers as it is cheaper and easier than buying regular travel insurance.
Plan details of Wander Frequent Traveler Annual travel insurance
Hospital Room & BoardUsual, reasonable and customary to your medical maximum
Local AmbulanceUp to medical maximum
Urgent Care Visits$15 copay
Physiotherapy and Chiropractic Care$50 per visit, 10 visits maximum
Hospital Daily Indemnity$100 per day, 10-day limit per occurrence
Extension of Benefits to Home Country$5,000
Pre-certification — 25% penaltynRequired inside the United States for specific types of treatment.
Acute Onset of Pre-existing Conditions(For United States residents
traveling outside of the United States)14 days to 64 years:$20,000 65 to 75 years:$2,500
Myocardial Infarction and Stroke(For Non-United States residents
traveling to the United States)$200 per day, $3,000 maximum
Dental — Sudden Relief of Pain $250
Dental — AccidentUp to medical maximum
Evacuation and Repatriation$1,000,000 (separate from medical maximum)
Emergency Medical Reunion $200 per day, 10-day limit, $50,000 maximum
Return of Child(ren)
Return of Mortal Remains$50,000
Local Burial or Cremation$5,000
Natural Disaster Evacuation$50,000
Natural Disaster Daily Benefit$100 per day, 5-day limit
Political Evacuation and Repatriation$10,000
Accidental Death and Dismemberment (AD&D)Primary Insured or Eligible Spouse :$25,000 Eligible Dependent Children :$5,000 ((aggregate limit of $250,000 for total number of insureds on the plan))
Common Carrier Accidental
Death and DismembermentPrimary Insured or Eligible Spouse :$50,000 Eligible Dependent Children :$25,000 ((aggregate limit of $250,000 for total number of insureds on the plan))
Loss of Checked Baggage$50 per article, $500 per occurrence
Baggage Delay$250 per occurrence
Travel Delay$100 per day, 2-day limit per occurrence
Lost or Stolen Travel Documents$200
Border Entry Protection$550
Hazardous ActivitiesUp to medical maximum
Benefit Period 90 days
Excess Insurance :
All coverages except Common Carrier Accidental Death and Dismemberment are in excess of all other insurance or similar benefit programs and shall apply only when such
benefits thereunder are exhausted.
This plan is secondary coverage to any other insurance. Such other insurance or similar benefit programs may include, but are not limited to, membership benefit; workers’ compensation benefits or programs; government programs; group or blanket coverage; prepayment coverage; union, labor, or employee plans; socialized insurance program or program otherwise required by law or statute; automobile insurance; or thirdparty liability insurance.
How are Wander Frequent Traveler insurance claims settled? Wander Frequent Traveler Insurance Claims
Please visit: : Seven Corners Claims Forms
Toll Free Number: 1.800.335.0477
Fax: (+1) 317-575-2256
Seven Corners, Inc .
303 Congressional Boulevard
Carmel, IN 46032 USA
Wander Frequent Traveler 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;
Chiropractic care or acupuncture;
Services, supplies, medications, testing, or Treatment prescribed, performed, or provided by a Relative or Immediate Family Member;
Durable medical equipment;
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;
Replacement of artificial limbs, eyes, larynx, and orthotic appliances;
Custodial Care, Educational or Rehabilitative Care, or any Treatment in any establishment for the care of the aged;
Vocational, occupational, sleep, speech, recreational, or music therapy;
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;
Sleep apnea or other sleep disorders;
Mental and Nervous Disorder, Rest Cures, learning disabilities, attitudinal disorders, or disciplinary problems;
Congenital abnormalities and conditions arising out of or resulting therefrom;
Exposure to non-medical nuclear radiation or radioactive materials;
Sexually-transmitted diseases, venereal diseases, and conditions and any consequences thereof;
Acquired Immune Deficiency Syndrome (AIDS), AIDS-Related Complex (ARC), or the Human Immunodeficiency Virus (HIV);
Human organ or tissue transplants;
Exercise programs whether prescribed or recommended by a Physician or therapist;
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;
Acne, moles, skin tags, disease of sebaceous glands, seborrhea, sebaceous cyst, unspecified disease of the sebaceous glands, hypertrophic and atrophic conditions of skin, nevus;
Hazardous Activities unless You purchase optional hazardous activities coverage and then only for the activities covered under that option under Optional Coverage – Hazardous Activities;
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;
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;
Suicide or any attempt thereof; self-destruction or any attempt thereof; or any intentionally self- inflicted Injury or Illness;
Terrorist Activity except as provided under Terrorist Activity; War, Hostilities, or War-Like Operations;
Commission of a criminal offense or any other criminal or illegal activity as defined by the local governing body;
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;
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;
Treatment paid for or furnished under any other individual, government, or group policy or Expenses incurred at no cost to You;
You while in Your Home Country unless covered under Extension of Benefits in Home Country or Incidental Trips to Home Country;
Conditions for which travel was undertaken to seek Treatment after Your Physician has limited or restricted travel;
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;
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;
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
Participating in contests of speed or riding or driving in any type of competition;
Loss of life;
Long-term disability; or
Financial guarantee, financial default, bankruptcy, or insolvency risks.
Which are the geographic restrictions for Wander Frequent Traveler insurance? Wander Frequent Traveler 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).
What is pre-certification requirements for Wander Frequent Traveler insurance? Wander Frequent Traveler 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;
Physiotherapy (must include physician’s recommendation and treatment plan); and
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. If you do not comply with the pre-certification requirements:
Covered expenses will be reduced by 25%; and
The deductible will be subtracted from the remaining 75%; and
Coinsurance will be applied.
Pre-certification does not guarantee coverage, payment, or
reimbursement of expenses.