Wanderâ„ Frequent Traveler provides coverage for individuals and families (including unmarried dependent children over fourteen (14) days and under nineteen (19) years of age) while traveling outside of their Home Country on a covered Trip. Home Country is defined as - The country where an Insured Person(s) has his/her true, fixed and permanent home and principal establishment.

Your policy period is 364 days in length. Your insurance coverage begins for each Trip the moment you depart your Home Country. You do not have coverage while in your Home Country except under the Follow Me Home Coverage. Please see the Follow Me Home Coverage section for more details. Please also see the section below labeled, How Your Coverage Works for more details.

In order to be considered eligible under Wanderâ„ Frequent Traveler, each insured person must maintain continuous primary health insurance providing coverage while in his/her Home Country.

Certificate Effective Date

Your Policy Period will begin on the latest of the following: 1) The date and time the Application and full plan cost is received and accepted by Seven Corners; or 2) The date requested on the Application.

Certificate Termination Date

Your Policy Period will end on the earlier of the following: 1) Three hundred and sixty-four (364) days after the effective date; 2) The date you are no longer eligible under this plan; 3) When the maximum benefit amount has been paid.

Medical Maximums	$1,000,000 Medical Maximum is per person per Period of Coverage. Insureds age 65 to 75 traveling inside the United States are limited to a $50,000 medical maximum.Insureds age 70 to 75 traveling outside the United States are limited to a $100,000 medical maximum.
Deductible	$250 Deductible is per person per Covered Trip.
Coinsurance	Individuals traveling outside the U.S. & Canada: After You pay the Deductible, the Policy pays 100% to the applicable Medical Maximum.Individuals traveling inside the U.S. & Canada: After You pay the Deductible, the Policy pays 90% of the next $5,000 of eligible expenses, then 100% to the applicable Medical Maximum.
Hospital Indemnity	$100 per night, up to a maximum of 30 days per Occurrence (applicable to Individuals traveling outside the U.S. and Canada only)
Dental (Sudden Relief of Pain)	To a maximum of $250 per Period of Coverage
Dental (Accident Coverage)	To a maximum of $500 per Period of Coverage
Emergency Medical Evacuation/Repatriation	$1,000,000 per Period of Coverage (in addition to the Medical Maximum)
Return of Mortal Remains	$50,000 per Period of Coverage
Political Evacuation	$100,000 per person per Period of Coverage.
Terrorism	Usual, reasonable and customary to $50,000 per Period of Coverage
Return of Minor Child(ren)	$50,000 per Period of Coverage
Emergency Reunion	$50,000 per Period of Coverage
Local Ambulance Benefit	$5,000 per Period of Coverage
Emergency Room Illness without Inpatient Admission	Usual, reasonable and customary to the applicable Medical Maximum (subject to an additional $250 deductible)
Accidental Death & Dismemberment (AD&D) Note: In the event of a Common Carrier Accidental Death, this benefit will not be paid.	$25,000 principal sum for Insured or Insured Spouse. $5,000 principal sum for Dependent Child(ren). Aggregate limit of $250,000 per family
Common Carrier Accidental Death	$50,000 principal sum for Insured or Insured Spouse $25,000 principal sum for Dependent Child(ren) Aggregate limit of $250,000 per family
Loss of Checked Luggage	$500 per Occurrence.
Baggage Delay	$250 per Occurrence
Interruption of Trip	$5,000 per Period of Coverage.
Follow Me Home Coverage	$5,000 per Period of Coverage.
Hospital Room & Board	Usual, Reasonable & Customary to the selected Medical Maximum per person per Period of Coverage.
Intensive Care	Usual, Reasonable & Customary to the selected Medical Maximum per person per Period of Coverage.
Outpatient Medical Expenses	Usual, Reasonable & Customary to the selected Medical Maximum per person per Period of Coverage.
Home Health Care	$2,500 per Period of Coverage
Waiver of Pre-existing Condition(s)	$20,000 per Period of Coverage (available only for U.S. citizens traveling outside the United States and Canada) This amount is limited to $2,500 for age 65 and over.
Myocardial Infarction (Heart Attack) and Stroke Benefit	Up to $200 per day for each night spent in the hospital after being admitted for either a myocardial infarction (heart attack) or stroke (available for non-U.S. citizens traveling inside the United States only) Maximum benefit of $3,000 per Period of Coverage.
Benefit Period	90 Days
Hazardous Sport Coverage	Optional, provided only if required premium is paid.

MEDICAL EXPENSE BENEFITS

Only such expenses, incurred as the result of and within ninety (90) days from a Disablement, which are specifically enumerated in the following list of charges, and which are not excluded in PART IV - EXCLUSIONS, shall be considered as Covered Expenses:

• Charges made by a Hospital for room and board, floor nursing and other services inclusive of charges for professional service and (with the exception of personal services of a non-medical nature); charges made for an operating room.
• Charges made for Intensive Care or Coronary Care charges and nursing services.
• Charges made for diagnosis, treatment and Surgery by a Physician; charges made for the cost and administration of anesthetics.
• Charges made for Outpatient treatment, same as any other treatment covered on an Inpatient basis. This includes ambulatory Surgical centers, Physicians’ Outpatient visits/examinations, clinic care, and Surgical opinion consultations.
• Emergency treatment of an Injury or Illness. Emergency treatment of an Illness is subject to an extra per occurrence deductible of $250 as outlined in the Schedule of Benefits. This additional deductible is waived if You are directly admitted to the Hospital as an Inpatient for further treatment of that Illness.
• Charges for medication, x-ray services, laboratory tests and services, the use of radium and radioactive isotopes, oxygen, blood transfusions, iron lungs, and medical treatment; dressings, drugs, and medicines that can only be obtained upon a written prescription of a Physician or Surgeon.
• Charges for physiotherapy, if recommended by a Physician for the treatment of a specific Disablement and administered by a licensed physiotherapist.
• Local Ambulance Benefit: Ground ambulance (within the metropolitan area, up to a $ 5,000 maximum) to and from the nearest Hospital with facilities for required treatment. If the Insured Person is in a rural area, then licensed ground ambulance transportation to the nearest metropolitan area shall be considered a Covered Expense.
• Hotel room charge, when the Insured Person, otherwise necessarily confined in a Hospital, shall be under the care of a duly qualified Physician in a hotel room due to unavailability of a Hospital room by reason of capacity or distance or to any other circumstances beyond control of the Insured Person.
• Charges made for artificial limbs, eyes, larynx, and orthotic appliances, but not for replacement of such items.
• Charges for Home Health Care up to a $2,500 Maximum per Period of Coverage
.
• Charges for care in a licensed Extended Care Facility as defined herein, upon direct transfer from an acute care Hospital.

The charges enumerated herein shall in no event include any amount of such charges which are in excess of Reasonable and Customary charges. If the charge incurred is in excess of such average charge, such excess amount shall not be recognized as a Covered Expense. All charges shall be deemed to be incurred on the date such services or supplies which give rise to the expense or charge are rendered or obtained.

• Pre-existing Conditions which are excluded under this policy. This means that any claims for Pre-existing Conditions will not be covered for the duration of this policy.
  a) If you are a United States citizen, this exclusion is waived for the first $20,000 in eligible medical expenses incurred outside the United States and Canada (for persons age 65 and over, the amount is $2,500). This waiver does not include coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to the effective date of this program.
  b) If you are a non-United States citizen and suffer a Myocardial Infarction or Stroke and are admitted to a Hospital in the United States, this exclusion is waived in order to pay a $200 per night benefit for each night spent in the Hospital, up to a maximum benefit of $3,000. The term “Myocardial Infarction” shall mean an acute and emergent onset of the condition. The term “Stroke” shall mean an acute and emergent onset of the condition.
• Charges for treatment which exceed Reasonable and Customary charges; or Charges incurred for Surgeries or treatments which are Investigational, Experimental, or for research purposes; expenses which are nonmedical in nature;
• Claims not received by Seven Corners within ninety (90) days of the date of service;
• Expenses for Vocational, occupational, sleep, Speech, Recreational or Music Therapy;
• Durable medical equipment;
• Expenses which were not recommended, approved and certified as Medically Necessary and reasonable by a Physician;
• Suicide or any attempt thereof, or self destruction or any attempt thereof; intentionally self-inflicted Injury or Illness;
• Expenses as a result of, or in connection with, the commission of a felony offense or any other criminal or illegal activity as defined by the local governing body;
• War, hostilities or warlike operations (whether war be declared or not), Invasion, Act of an enemy foreign to the nationality of the Insured Person or the country in, or over, which the act occurs, Civil war, Riot, Rebellion, Insurrection, Revolution, Overthrow of the legally constituted government, Civil commotion assuming the proportions of, or amounting to, an uprising, Military or usurped power, Explosions of war weapons, Utilization of Nuclear, Chemical or Biological weapons of mass destruction howsoever these may be distributed or combined, Murder or Assault subsequently proved beyond reasonable doubt to have been the act of agents of a state foreign to the nationality of the Insured Person whether war be declared with that state or not. For the purpose of this Exclusion; i) Utilization of Nuclear weapons of mass destruction means the use of any explosive nuclear weapon or device or the emission, discharge, dispersal, release or escape of fissile material emitting a level of radioactivity capable of causing incapacitating disablement or death amongst people or animals (including in connection with Terrorist Activity). ii) Utilization of Chemical weapons of mass destruction means the emission, discharge, dispersal, release or escape of any solid, liquid or gaseous chemical compound which, when suitably distributed, is capable of causing incapacitating disablement or death amongst people or animals (including in connection with Terrorist Activity). iii) Utilization of Biological weapons of mass destruction means the emission, discharge, dispersal, release or escape of any pathogenic (disease producing) micro-organism(s) and/or biologically produced toxin(s) (including genetically modified organisms and chemically synthesized toxins) which are capable of causing incapacitating disablement or death amongst people or animals (including in connection with Terrorist Activity). Also excluded hereon is any Loss or expense of whatsoever nature directly or indirectly arising out of, contributed to, caused by, resulting from, or in connection with any action taken in controlling, preventing, or suppressing any, or all, of the situations described above. In the event any portion of this exclusion is found to be invalid or unenforceable, the remainder shall remain in full force and effect;
• Terrorist Activity. For the purpose of this Exclusion, Terrorist Activity means an act, or acts, of any person, or group(s) of persons, committed for political, religious, ideological or similar purposes with the intention to influence any government and/or to put the public, or any section of the public, in fear. Terrorist Activity can include, but not be limited to, the actual use of force or violence and/or the threat of such use. Furthermore, the perpetrators of terrorist activity can either be acting alone, or on behalf of, or in connection with any organization(s) or governments(s). The Company shall not be liable for and will not provide coverage or benefits in excess of a $50,000 lifetime maximum benefit for any claim or charges, Illness, Injury or other consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to or arising in connection with any act of Terrorism; and provided, further, the Company shall not be liable for and will not provide any coverage or benefits for any claim, charges, Illness, Injury or other consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to or arising in connection with the following:
  a) The Insured Person’s direct or indirect involvement in the Terrorist Activity.
  b) The Terrorist Activity takes place in a country or location where the United States government has issued a travel warning that has been in effect within the six (6) months prior to the Insured Person’s date of arrival.
  c) The Insured Person unreasonably fails or refuses to depart a country or location following the date a warning to leave that country or location is issued by the United States government.
• Occupational Diseases, including but not limited to Disease(s) related to asbestos exposure, and the complications thereof, including asbestosis and mesothelioma related to asbestos exposure;
• Routine physicals, inoculations, or other examinations including but not limited to laboratory, diagnostic, or x-ray examinations where there are no objective indications or impairment in normal health;
• Diagnosis or Treatment of the Temporomandibular joint;
• Chiropractic care or acupuncture;
• Services, supplies, or treatment prescribed, performed or provided by a Relative of the Insured Person or any family member of the Insured Person or anyone who lives with the Insured Person. This includes but is not limited to prescription medication and any diagnostic testing.
• Treatment and the provision of false teeth or dentures or dental appliances, normal ear tests and the provision of hearing aids, hearing implants, cosmetic or plastic Surgery (including deviated nasal septum), dental expenses except as specifically provided in the Dental Emergency Treatment benefit , eye refractions or eye examinations for the purpose of prescribing corrective lenses for eye-glasses or for the fitting thereof, unless caused by Accidental bodily Injury incurred while insured hereunder; eyeglasses, contact lenses; eye surgery when the primary purpose is to correct nearsightedness, farsightedness or astigmatism;
• Treatment in connection with alcohol, drug or chemical abuse, misuse, illegal use, overuse or dependency or use of any drug or narcotic agent; Injury sustained while under the influence of or Disablement due wholly or partly to the effects of intoxicating liquor, chemicals, or drugs or narcotic agent, unless administered under the advice of a Physician and said narcotic agent was taken in accordance with the proper dosing as directed by the physician;
• Mental and Nervous Disorder or rest cures;
• Learning disabilities, attitudinal disorders, or disciplinary problems;
• Congenital abnormalities and conditions arising out of or resulting therefrom;
• Expenses incurred during a Hospital emergency room visit which is not of an Emergency nature;
• Injury sustained while taking part in Mountaineering, hang gliding, parachuting, bungee jumping, racing by any animal or motor vehicle or motorcycle, snowmobiling, motorcycle/motor scooter riding (whether as a passenger or driver), scuba diving involving underwater breathing apparatus (unless PADI or NAUI certified), water skiing, wakeboard riding, jet skiing, windsurfing, snow skiing and snow boarding, and any sport, recreational, athletic, or adventure activity which is undertaken for thrill seeking and exposes the insured to abnormal or extreme risk of injury and/or is in violation of applicable laws, rules, or regulations. (Certain named activities may be covered by purchasing the Hazardous Sports Rider, please refer to the Hazardous Sports Coverage Section).
  Mountaineering shall mean the sport, hobby or profession of walking, hiking, and climbing up mountains either:
  1) utilizing harnesses, ropes, crampons or ice axes; or
  2) ascending 4500 meters or above.
• Treatment paid for or furnished under any other individual, government, or group policy or charges provided at no cost to the Insured Person;
• Diagnosis and or Treatment of venereal disease, including all sexually transmitted diseases and conditions and any and all consequences thereof;
• Pregnancy expenses or Illness resulting from pregnancy, childbirth, or miscarriage; or for miscarriage resulting from an Accident or complications of Pregnancy; or for postnatal care;
• Drug, treatment or procedure that either promotes or prevents conception, or prevents childbirth, including but not limited to: artificial insemination, treatment for infertility or impotency, sterilization or reversal thereof;
• Expenses incurred while the Insured Person is in their Home Country (except when covered under the Follow Me Home Benefit);
• Expenses incurred for which travel was undertaken to seek medical treatment for a condition; or incurred after the Insured Person’s physician has limited or restricted travel.
• All charges incurred while confined primarily to receive Custodial Care, Educational or Rehabilitative Care, or any medical treatment in any establishment for the care of the aged.
• Treatment for human organ or tissue transplants and their related treatment;
• 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.
• Modifications of the physical body intended to improve the psychological, mental or emotional well-being of the Insured, including but not limited to sex-change Surgery; any drug, treatment, or procedure that promotes, enhances or corrects impotency or sexual dysfunction;
• Expenses resulting from Acquired Immune Deficiency Syndrome (AIDS), AIDS-Related Complex (ARC) or the Human Immunodeficiency Virus (HIV).
• Exercise programs, whether or not prescribed or recommended by a Physician;
• Treatment required as a result of complications or consequences of a treatment or condition not covered hereunder.
• Charges for travel accommodations, except as provided for in the Local Ambulance, Emergency Medical or Political Evacuation, Return of Mortal Remains, Return of Minor Children, Emergency Reunion, Natural Disaster, and Interruption of Trip sections of this insurance.
• Diagnosis or treatment incurred as a result of exposure to non-medical nuclear radiation and/or radioactive materials.
• Diagnosis or treatment for acne, moles, skin tags, disease of sebaceous glands, seborrhea, sebaceous cyst, unspecified disase of the sebaceous glands, hypoertrophic and atrophic conditions of skin, nevus.
• Treatment, services or supplies that are not administered by or under the supervision of a Physician and products that can be purchased without a doctor’s prescription.
• Treatment of sleep apnea or other sleep disorders.
• Injury sustained while participating in professional athletics, including but not limited to the event, games, practice, conditioning and any other activity related to professional athletics.
• Injury sustained while participating in amateur or interscholastic athletics, including but not limited to the event, games, practice, conditioning and any other activity related to amateur or interscholastic athletics; this exclusion does not apply to non-competitive, recreational or intramural activities. Note: A sponsored and/or organized Amateur or Interscholastic Athletic event includes training camps, team sports, or any formal grouping of people participating in one or multiple events that may/may not require a fee for participation.
• Treatment(s) paid for or furnished under any other individual or group policy or other service or medical pre-payment plan arranged through the employer to the extent so furnished or paid, or under any mandatory government program or facility set up for Treatment(s) without cost to any individual;

With regards to Accidental Death and Dismemberment, Emergency Medical Evacuation/Repatriation, Return of Mortal Remains, Emergency Medical Reunion, and Return of Minor Child, this Insurance does not cover:

• Suicide or attempt thereof by the Insured Person while sane or self destruction or any attempt thereof by the Insured Person while insane;
• Disease or sickness of any kind; (only applicable to AD&D)
• Bacterial infections except pyogenic infection which shall occur through an accidental cut or wound; (only applicable to AD&D)
• Hernia of any kind; (only applicable to AD&D)
• Injury sustained while the Insured Person is riding as a pilot, student pilot, operator or crew member, in or on, boarding or alighting, from any type of aircraft;
• Injury sustained while the Insured Person is riding as a passenger in any aircraft (a) not having a current and valid Airworthy Certificate and (b) not piloted by a person who holds a valid and current certificate of competency for piloting such aircraft;
• Any consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to, or arising in connection with: (a) war, invasion, act of foreign enemy hostilities, warlike operations (whether war be declared or not), or civil war. (b) mutiny, riot, strike, military or popular uprising, insurrection, rebellion, revolution, military or usurped power. (c) any act of any person acting on behalf of or in connection with any organization with activities directed towards the overthrow by force of the Government de jure or de facto or to the influencing of it by terrorism or violence. (d) martial law or state of siege or any events or causes which determine the proclamation or maintenance of martial law or state of siege (hereinafter for the purposes of this Exclusion called the “Occurrences”). Any consequence happening or arising during the existence of abnormal conditions (whether physical or otherwise), whether directly or indirectly, proximately or remotely occasioned by, or contributed to by, traceable to, or arising in connection with, any of the said Occurrences shall be deemed to be consequences for which the Company shall not be liable under this Policy except to the extent that the Insured Person shall prove that such consequence happened independently of the existence of such abnormal conditions;
• Service in the military, naval or air service of any country;
• Flying in any aircraft being used for or in connection with acrobatic or stunt flying, racing, endurance tests, rocket-propelled aircraft, crop dusting or seeding or spraying, fire fighting, exploration, pipe or power line inspection, any form of hunting or herding, aerial photography, banner towing or any experimental purpose;
• Being under the influence of alcohol or having taken drugs or narcotics unless prescribed by a legally qualified physician or surgeon;
• Injury occasioned or occurring while the Insured Person is committing or attempting to commit a felony or to which a contributing cause was the Insured Person being engaged in an illegal occupation;
• Riding or driving in any kind of competition;
• Pregnancy, childbirth, miscarriage or abortion;
• Covered Expenses incurred after the Insured Person’s physician has limited or restricted travel; or Covered Expenses incurred as a result of a change in prescribed treatment during, or within the three months prior to the effective date of coverage.

For Interruption of Trip, this insurance does not cover: (1) war or any act of war, whether declared or not; participation in a felony, riot or insurrection; participation in contests of speed; a Pre-existing Condition existing prior to the Insured’s departure from their Home Country that has the likelihood of causing death; the Insured Person or Traveling Companion or Traveling Companion’s family making changes to personal plans; having business or contractual obligations; being unable to obtain necessary travel documents (passports, visas, etc.); being detained or having property confiscated by customs authorities; carrier caused delays (including bad weather); prohibition or regulatory by any government; default of yacht charter companies; default of the organization from which the Insured Person purchased their Trip arrangements.

For Loss of Checked Luggage, this insurance does not cover: animals; automobiles or automobile equipment; boats; motors; motorcycles; other conveyances or their appurtenances (except bicycles while checked as baggage with a Common Carrier); household furniture; eye glasses or contact lenses; artificial teeth or dental bridges; hearing aids; prosthetic limbs; musical instruments; money or securities; tickets or documents; or sporting equipment if loss or damage results from the use thereof.

A listing of network providers can be found at www.sevencorners.com/networkproviders or by contacting Seven Corners Assist. In addition, WellAbroad.com provides a complete listing of providers as well as other important and varied up-to-date travel information.

Refund of total plan cost will be considered if written request is received by Seven Corners prior to your coverage start date. If your request is received after your coverage start date, the unused portion of the plan cost may be refunded minus a cancellation fee, if you have not submitted any claims to Seven Corners.

Filing a claim is easy! Simply send the itemized bill to Seven Corners within 90 days, along with a completed claim form. Payments can be converted to a currency of your choosing. You’re only responsible for your deductible & coinsurance & any non-eligible expenses.