Seven Corners Insurance (2024)

Where can I travel with a Seven Corners Travel Medical plan?

Does Seven Corners Travel Insurance cover pre-existing conditions?

Seven Corners Travel Medical Plus plans cover pre-existing conditions through a benefit called Acute Onset of Pre-existing Conditions.

What is an acute onset of a pre-existing condition?

It is a sudden and unexpected outbreak or recurrence of a pre-existing condition:

• That occurs spontaneously and without advanced warning either in the form of physician recommendations or symptoms and requires urgent care;
• That occurs while you are covered, after the 72-hour (3-day) waiting period, and
• For which treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

A pre-existing condition is not an acute onset of a pre-existing condition if:

1. The condition is chronic, congenital, or gradually becomes worse over time; or
2. If, during the 30 days prior to the acute event, you had a change in prescription or treatment for a diagnosis related to the underlying pre-existing condition.

Coverage ends on the earlier of:

1. The condition no longer being acute; or
2. Your discharge from the hospital.

There is no coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to departure from your home country and before your coverage begins.

There is no coverage for treatment for which you have traveled or conditions for which travel was undertaken after your physician limited or restricted travel.

Related: International Insurance and pre-existing conditions

How many days does Seven Corners trip insurance cover?

A policy may be purchased at any time prior to your trip start date. You may purchase travel medical coverage for a minimum of 5 days or a maximum of 364 days.

If you initially buy less than 364 days of coverage, you may buy additional days of cover, to a total of 364 days. Your original effective date is used to calculate your deductible and coinsurance and to determine pre-existing conditions and if maximum coverage amounts have been reached.

You will be emailed you an extension (renewal) notice before your coverage expires, giving you the option to extend your plan. A $5 administrative fee is charged for each extension.

Effective Date— This is the start date of your plan, on the latest of the following:

1. 12 a.m. the day after we receive your application and correct payment;
2. The moment you depart your home country;
3. 12 a.m. on the date you request.

Expiration Date— This is the date your coverage ends, which is the earliest of the following:

1. The moment you return to your home (except for coverage through Incidental Trips to Home Country and Extension of Benefits in Home Country);
2. 11:59 p.m. on the date you reach the maximum period of coverage;
3. 11:59 p.m. on the date shown on your ID card;
4. 11:59 p.m. on the date that is the end of the period for which you paid; or
5. The moment you are no longer eligible for coverage.

All times above refer to United States Eastern Time.

Who can buy a Seven Corners Travel Insurance plan?

You must be 19 years of age to purchase a plan. You can buy coverage for your legal spouse, dependents under the age of 19, and your traveling companions.

All travelers must be at least 14 days old and under 75 years old. Coverage is available to all international travelers for a period of 5 days to as long as one year.

U.S. citizens cannot purchase a travel medical plan including the U.S.

With Seven Corners, when does my coverage expire?

Can I extend my Seven Corners travel insurance coverage?

How does Seven Corners meet the Schengen Visa requirements?

How much trip protection should I purchase?

Can I change details regarding my trip?

How do I cancel my Seven Corners Trip Protection plan?

What is the effective date for my Seven Corners Trip Protection plan?

The effective date is the day after you buy your plan.

For Seven Corners Trip Protection Basic and Choice plans, it begins at 12:01 a.m. on the day after Seven Corners receives your plan payment.

Who can purchase a Seven Corners Trip Protection plan?

Can I insure people who are not family members?

What type of medical expenses does a Seven Corners Trip Protection plan cover?

How do I file a claim?

How many trips can I take with this plan?

Seven Corners allows policyholders to take as many covered trips as they want. Travelers are covered when traveling outside their home country on a covered trip for the trip length option they selected.

Trip length options include 30, 45, or 60-day trips.

What is a covered trip?

When does my Seven Corners Travel Medical Annual Multi-Trip coverage begin?

Your coverage begins on your start date, which is the later of the following times:

1. 12 a.m. the day after Seven Corners receives your application and correct payment if you apply online; or
2. 12 a.m. on the day you request on your application.

All times above refer to U.S. Eastern Standard Time.

When does my Seven Corners Travel Medical Annual Multi-Trip coverage end?

Your coverage ends on your expiration date, which is the earliest of the following times:

1. 11:59 p.m. on the date you reach the maximum period of coverage;
2. 11:59 p.m. on the date shown on your ID card;
3. 11:59 p.m. on the date that is the end of the period for which you paid; or
4. The moment you are no longer eligible for coverage.

Coverage for each covered trip ends the earliest of:

1. The certificate end date;
2. 11:59 p.m. on the last day of any covered trip;
3. The moment you arrive in your home country; or
4. The moment you are no longer eligible for coverage.

All times above refer to U.S. Eastern Standard Time.

Can I cancel my Seven Corners Travel Medical Annual Multi-Trip plan?