Roundtrip Economy

Detail

Plan Administrator: Seven Corners | AM Best Rating: A "Excellent" | Underwriter: Lloyd's of London & Tramont Insurance Company Ltd.

Eligibility: US Citizen/ Non-US Citizen Age 0-99 travelling outside their country of citizenship.
Coverage Length: Min 1 day to max 90 days
Protect Your Investment – should a sudden illness prevent you from taking your trip of a lifetime, don’t lose everything you spent on your trip.
Protect Your Health - If you become sick or injured while traveling, your health insurance here at home may not cover it.
Protect Your Belongings – You bought a new wardrobe for this trip. Make sure you can replace it if it is stolen or damaged during your trip.
ID card & Visa Letter comes in email instantly
Note: If you purchase the $0 category- there is no Trip Cancellation.

Benefit

Benefit Per Trip Maximum Benefit Amount/Principal Sum

Part A – Travel Arrangement Protection

Trip Cancellation Trip Cost ($0-$20,000)

Trip Interruption 100% of Trip Cost

Missed Connection $250

Travel Delay Up to $100 Per Day $250

Baggage and Personal Effects $500

Baggage Delay $100

Change Fee $75

OPTIONAL Rental Car Damage $35,000

Part B – Travel Insurance Benefits

Accidental Death & Dismemberment

24-Hour (Other than Air Flight) $5,000

24-Hour (Other than Common Carrier)

24-Hour (Other than Common Carrier) $100,000, $250,000, or $500,000

Common Carrier Only $10,000

Medical Expense/Emergency Assistance

Accident & Sickness Medical Expense $10,000

Emergency Medical Evacuation $100,000

Exclusion

Benefits are not payable for any loss due to, arising or resulting from:

suicide, attempted suicide or any intentionally self-inflicted injury of You, a Traveling Companion, Family Member or Business Partner booked to travel with You, while sane or insane;
an act of declared or undeclared war;
participating in maneuvers or training exercises of an armed service, except while participating in weekend or summer training for the reserve forces of the United States, including the National Guard;
riding or driving in races, or speed or endurance competitions or events;
mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment);
participating as a member of a team in an organized sporting competition or participating as a professional in a stunt, athletic or sporting event or competition;
participating in skydiving or parachuting, parasailing, hang gliding, bungee cord jumping, extreme skiing, skiing outside marked trails or heli-skiing, mountaineering, any race, speed contests not including any of the regatta races, spelunking or caving, hot air ballooning, or scuba diving if the depth exceeds 120 feet (40 meters) or if You are not certified to dive and a dive master is not present during the dive;
piloting or learning to pilot or acting as a member of the crew of any aircraft;
being Intoxicated as defined herein, or under the influence of any controlled substance unless as administered or prescribed by a Legally Qualified Physician;
the commission of or attempt to commit a felony or being engaged in an illegal occupation;
normal childbirth or pregnancy (except Complications of Pregnancy) or voluntarily induced abortion;
dental treatment (except as coverage is otherwise specifically provided herein);
amounts which exceed the Maximum Benefit Amount for each coverage as shown in the Schedule of Benefits;
due to a Pre-Existing Condition, as defined in the Policy. The Pre-Existing Condition Limitation does not apply to the Emergency Medical Evacuation or return of remains coverage;
any amount paid or payable under any Worker’s Compensation, Disability Benefit or similar law;
a loss or damage caused by detention, confiscation or destruction by customs;
Elective Treatment and Procedures;
medical treatment during or arising from a Trip undertaken for the purpose or intent of securing medical treatment;
an assessment from a Legally Qualified Physician advising You in writing that You, a Traveling Companion, Family Member or Business Partner booked to travel with You are not Medically Fit to Travel, as defined in the Policy, at the time of purchase of Coverage for a Trip.

Acute Pre-Ex Coverage

The Company will not pay for any expense as a result of any illness, disease, or other condition during the 60 day period immediately prior to the date Your coverage is effective for which You or Your Traveling Companion, Business Partner or Family Member scheduled or booked to travel with You : 1) received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or 2) took or received a prescription for drugs or medicine. Item (2) of this Exclusion does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 day period before coverage is effective under this Policy.

Claim

As your plan administrator, Seven Corners will take care of your plan needs from start to finish. We will process your purchase, provide all documents, & handle any claims. Our goal is to provide you with outstanding service every step of your journey with us.

Offline Form

Scenario	Coverage Under Full Pre-Existing Plan
My father had a heart attack a few years ago. After his travel to the US, he started experiencing heart pain. I took him to the cardiologist. Is this covered?	Yes. Cardiologist visits are covered underneath a Full Pre-Existing coverage plan.
My mother-in-law has been experiencing heart pain for last few days, and had a heart attack on the last day. Is this covered?	Yes. Under a Full Pre-Existing Plan, there is not time limitation between symptoms and seeking care.
My uncle had cancer a few years ago. He is on a Green Card and has been living in the US. Recently, the cancer has come back. Is this covered?	Yes. Chemotherapy & Radiation treatment are covered under this plan. One note- the recurring cancer diagnosis must occur after the effective date.
My cousin had a back injury a few years back. He recently starting feeling back pain and went to seek the advise of a Chiropractor & get physical therapy. Is this covered?	Yes. Chiropractic care & physical therapy regarding pre-existing conditions are covered underneath full pre-existing plans.
My aunt had a sudden heart attack. After staying a few days in the hospital, she needs prescription drugs, follow up blood tests, and doctors visits. Are these covered?	Yes. Any sudden medical event, along with any follow up visits, i.e. blood tests, x-rays, EKG, etc., will be covered by full pre-existing plans.
My mother is diabetic. She was prescribed medication but often forgets to take it often. She experienced a diabetic shock and needed to visit the emergency room. Will this emergency visit be covered?	Yes. Our plans cover you no matter whether your visitor was taking their prescribed medication or not. Full pre-existing plans will cover no matter what happens.

Scenario	Coverage Under INF Acute Onset Plan
My father had a heart attack a few years ago. After his travel to the US, he started experiencing heart pain. I took him immediately to the emergency room. Is this covered?	Yes. Cardiologist visits are covered underneath a Full Pre-Existing coverage plan.
My mother-in-law had a sudden drop in blood sugar. I took her to the Urgent Care clinic. Is this covered?	Yes, as long as you seek medical attention within 12 hours you are covered.
My uncle was playing a game of cricket in the neighborhood and started to experience chest pain. He was hospitalized for 3 days and required several blood tests, and heart scans. Will this be covered?	Yes. Our plans will cover any sudden recurrence caused by a pre-existing conditions. Our plans have no pre-authorization, meaning the hospital can get the treatment your visitors needs faster.
My father-in-law had several kidney issues over the past few years. After several hours of pain, we took him to the hospital to have kidney stones removed. Is this covered?	Yes. As long as the treatment is sought within the first 12 hours of first exhibiting symptoms, any pre-existing condition will be covered. Our plans have no look back period for pre-existing conditions.
My cousin has diabetes. After a few days in the US, she contracted a Urinary Tract Infection which required hospitalization. Is this covered?	Yes. Under our plans, Urinary Tract Infections are considered new sicknesses and are covered by Acute Onset coverage plans.
My mother is a heart patient. She was prescribed medication but often forgets to take it often. She experienced a sudden heart attack and needed to visit the emergency room. Will this emergency visit be covered?	Yes, our plans cover any incident regardless if your visitor was taking their prescribed medication.

Benefit Per Trip	Maximum Benefit Amount/Principal Sum
Part A – Travel Arrangement Protection
Trip Cancellation	Trip Cost ($0-$20,000)
Trip Interruption	100% of Trip Cost
Missed Connection	$250
Travel Delay Up to $100 Per Day	$250
Baggage and Personal Effects	$500
Baggage Delay	$100
Change Fee	$75
OPTIONAL Rental Car Damage	$35,000
Part B – Travel Insurance Benefits
Accidental Death & Dismemberment
24-Hour (Other than Air Flight)	$5,000
24-Hour (Other than Common Carrier)
24-Hour (Other than Common Carrier)	$100,000, $250,000, or $500,000
Common Carrier Only	$10,000
Medical Expense/Emergency Assistance
Accident & Sickness Medical Expense	$10,000
Emergency Medical Evacuation	$100,000