Travel Medical Choice Insurance Reviews, Review of Travel Medical Choice Medical Insurance for visiting USA

Plan details of Travel Medical Choice Insurance

Travel Medical Choice Advantages
- Comprehensive visitors insurance.
- Travel Medical Choice also covers terrorism, emergency medical reunion, return of minor children, trip interruption and baggage loss.
- Only one time deductible per period of coverage.
- Cancellation and refund of full premium before policy start date.
Travel Medical Choice Disadvantages
- Only $50,000 maximum coverage for travelers aged 70 - 79 years traveling to the US.
- Only $15,000 maximum coverage for 80+ travelers.
- Co-insurance inside US - Coinsurance applicable both for inside PPO network and outside PPO network.
- The maximum duration of the policy including renewals cannot exceed 12 months.
- These plan will not accept a mailing address in Maryland, Washington, New York, South Dakota, and Colorado.
- These plans do not cover political unstable countries like Syrian Arab Republic, Nigeria, and Sierra Leone and more
Travel Medical Choice 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 (North Korea).
- Destination Restrictions: The plan will not cover trips to Antarctica, Islamic Republic of Iran, Syrian Arab Republic Cuba, and Democratic People’s Republic of Korea (North Korea).
Travel Medical Choice Exclusions
1. For Medical Benefits, this insurance does not cover: Pre-existing Conditions which are excluded under this Certificate. This means that any claims for Pre-existing Conditions will not be covered for the duration of this Certificate. This exclusion does not apply to emergency medical evacuation, emergency medical reunion, return of children, return of mortal remains, and local cremation/burial.
2. Claims not received by the Company or Administrator within ninety (90) days of the date of service:
3. 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;
4. . 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;
5. Routine physicals, inoculations, or other examinations or tests conducted when there is no objective indications or impairments in normal health;
6. Chiropractic care or acupuncture;
7. Services, supplies, medications, testing, or Treatment prescribed, performed, or provided by a Relative or Immediate Family Member;
8. Durable medical equipment;
9. 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;
10. Replacement of artificial limbs, eyes, larynx, and orthotic appliances;
11. Custodial Care, Educational or Rehabilitative Care, or any Treatment in any establishment for the care of the aged;
12. Vocational, occupational, sleep, speech, recreational, or music therapy;
13. 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;
14. Sleep apnea or other sleep disorders;
15. Mental and Nervous Disorder, Rest Cures, learning disabilities, attitudinal disorders, or disciplinary problems;
16. Congenital abnormalities and conditions arising out of or resulting therefrom.
17. Temporomandibular joint;
18. Occupational Diseases;
19. Exposure to non-medical nuclear radiation or radioactive materials;
20. Sexually-transmitted diseases, venereal diseases, and conditions and any consequences thereof;
21. Acquired Immune Deficiency Syndrome (AIDS), AIDS-Related Complex (ARC), or the Human Immunodeficiency Virus (HIV);
22. 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;
23. 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;
24. Acne, moles, skin tags, disease of sebaceous glands, seborrhea, sebaceous cyst, unspecified disease of the sebaceous glands, hypertrophic and atrophic conditions of skin, nevus;
25. Hazardous Activities unless You purchase optional hazardous activities coverage and then only for the activities covered under that option under Section 7;
26. 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;
27. . 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;
28. Suicide or any attempt thereof; self-destruction or any attempt thereof; or any intentionally self-inflicted Injury or Illness;
29. Terrorist Activity except as provided under Section 5.10; War, Hostilities, or War-Like Operations;
30. Commission of a criminal offense or any other criminal or illegal activity as defined by the local governing body;
31. 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;
32. 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;
33. Treatment paid for or furnished under any other individual, government, or group policy or Expenses incurred at no cost to You;
34. (ii) You while in Your Home Country unless covered under Section 3.8 or 3.9;
35. Conditions for which travel was undertaken to seek Treatment after Your Physician has limited or restricted travel;
36. Travel accommodations;
37. 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;
38. 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;
39. 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
40. Participating in contests of speed or riding or driving in any type of competition
41. Loss of life;
42. Long-term disability; or
43. Financial guarantee, financial default, bankruptcy, or insolvency risks.
Travel Medical Choice claims

Please visit: Seven Corners Claims Forms
Toll Free Number: 1-800-335-0611 (Seven Corners claims phone number)
Claims Department:
Email: claims@sevencorners.com
Fax: (+1) 317-575-2256
Seven Corners, Inc
Attn: Claims
PO Box 211760
Eagan, MN 5512

Travel Medical Choice visitor insurance - Common Questions

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 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.

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.

Travel Medical Basic insurance is short term travel health insurance offers coverage for U.S Citizens while traveling outside of Home Country. Individuals and families including unmarried dependent child(ren) traveling outside of their Home Country.

Yes, Travel Medical Choice offers coverage for Acute onset of pre-existing conditions are covered up to $50,000 up to the age of 64 years and a coverage of $10,000 is available for people up to the age of 79 years for the people traveling outside of Home Country.

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.

You can purchase Travel Medical USA Insurance on American Visitor Insurance at buy Travel Medical Choice . You can also call them at (877)-340-7910 to get more information on how to apply for Travel Medical Choice insurance from licensed insurance agents.

The main requirements for applying for Travel Medical Choice insurance is the travelers passport details and the travel dates. You can apply for Travel Medical Choice insurance online on American Visitor Insurance or call (877)-340-7910 to get help while applying.

Yes, Sevencorners covid insurance has Covid19 coverage as any other illness with their Travel Medical plus plan. The Travel Medical Plus insurance product covers covid19 for international travelers and this coverage benefit is provided regardless of the variant of SARS-CoV-2.

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.

Please refer to the Travel Medical Choice ID cards provided by SevenCorners at the time of enrolment which will have all the necessary information for reimbursement.

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.

Yes, Travel Medical Choice 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 Choice insurance online up to 364 days.

If your travel plan is changed and want to cancel Travel Medical Choice insurance, you have to submit a written request to cancel@sevencorners.com for cancellation and refund of your premium. The subject of the email must contain the first name and last name of the policy holder. While the body of the email must contain the name of the policy holder, birth date, certificate number and date of cancellation. If you have filed claims for reimbursement, your premium is non refundable.
Following are the cancellation policy terms and conditions:
Cancellation before effective date:

Full refund of premium.

Cancellation after effective date:

A cancellation fee will be charged will be charged by the insurance company.
Unused portion of the plan cost will be refunded.

Sudden and unexpected outbreak or recurrence of a Pre-Existing Condition(s) that occurs spontaneously and without advanced warning either in the form of Physician recommendations or symptoms and requires urgent care. The Acute Onset of a Pre-Existing Condition(s) must occur after the Effective Date of Coverage and prior to the age shown in the Schedule of Benefits. Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or recurrence. A Pre-Existing Condition that is Congenital or that gradually becomes worse over time is not an Acute Onset of a Pre-Existing Condition.

A Pre-Existing Condition will not be considered an Acute Onset of a Pre-Existing Condition(s) if, during the thirty (30) days prior to the acute event, You had a change in prescription or Treatment for a diagnosis related to the acute event. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs, or Treatments existent or necessary prior to arrival in the United States and prior to the Effective Date of Coverage.

Travel Medical Choice offers coverage for acute onset of pre-existing conditions for Non US Visitors to USA. Travelers aged up to 69 years can avail coverage up to $30,000. $5,000 coverage for visitors above 70 years for acute onset of pre-existing conditions.
Waiver of Pre-existing Condition for United States Residents outside the United States: The plan pays up to the specified limit for a sudden, unexpected recurrence of a pre-existing condition.

This benefit does not cover known, required, or expected treatment of any kind existent or necessary for 12 months prior to your coverage. US Travelers aged up to 69 years can avail coverage up to $50,000. $10,000 coverage for travelers above 70 years for acute onset of pre-existing conditions.

Visitors to USA can review this article on how to use travel mdical choice visitor medical insurance in case of emergency in the United States.

Travel Medical Choice 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 Choice insurance pays 80% of the first $5,000, then 100% up to maximum limit.

If the traveler seeks treatment with a doctor or visits a hospital outside the provider network, Travel Medical insurance would pay 70% of the first $5,000, 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 Choice insurance working example.

Yes, Travel Medical Choice insurance satisfies Schengen visa insurance requirements, it has a $50,000 coverage and $0 deductible option for travelers visiting Schengen countries. After buying the plan, to download the Schengen visa letter for Travel Medical Choice insurance, please refer the payment confirmation email that provides you a link "View Coverage Letter" under Summary of Benefits.

A working example of using Travel Medical Choice insurance

Example - Inside the PPO Network

Insurance coverage is $50,000
Deductible is $100 per certificate period
Coinsurance for claims incurred inside US After the deductible, 90% of first $5,000 and then 100% to the policy limit
Your claims for medical expenses is $24,100

Below is a simple calculation showing how much the plan/insurance company pays you:

Subtract the deductible from claims amount - $24,100 minus $100 equals $24,000. Insured bears $100
Apply 90% coinsurance for first $5,000 of $24,000. i.e. $5,000*0.90 equals $45000. Insured bears $500
Plan/insurance company pays: $24,000 minus $500 equals $23,500 and insured bears $600

Expense	Amount billed	Amount Insurance Pays	Amount Insured Owes
Deductible	$100	$0	$100
Days in hospital	$2,000/day for 3 days	$4,500+$1,000	$500 (90% of first $5,000)
Surgery	$16,000	$16,000	$0
Prescription Drugs	$600	$600	$0
X Ray	$1,400	$1,400	$0
Total	$24,100	$23,500	$600

Example - Out of PPO Network

Insurance coverage is $50,000
Deductible is $100 per certificate period
Coinsurance for claims incurred inside US After the deductible, 80% of first $5,000 and then 100% to the policy limit
Your claims for medical expenses is $24,100

Below is a simple calculation showing how much the plan/insurance company pays you:

Subtract the deductible from claims amount - $24,100 minus $100 equals $24,000. Insured bears $100
Apply 80% coinsurance for first $5,000 of $24,000. i.e. $5,000*0.80 equals $4000. Insured bears $1,000
Plan/insurance company pays: $24,000 minus $1,000 equals $23,000 and insured bears $1,100

Expense	Amount billed	Amount Insurance Pays	Amount Insured Owes
Deductible	$100	$0	$100
Days in hospital	$2,000/day for 3 days	$4,000+$1,000	$1,000 (80% of first $5,000)
Surgery	$16,000	$16,000	$0
Prescription Drugs	$600	$600	$0
X Ray	$1,400	$1,400	$0
Total	$24,100	$23,000	$1,100

* Disclaimer:- We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.

What are some insurance terms important in Travel Medical Choice reviews?

Plan Maximum coverage of Travel Medical Choice travel insurance:
This the maximum coverage that the plan would offer for the medical expenses. Travel Medical Choice insurance offers coverage in Worldwide Excluding the United States.
Worldwide Excluding the United States
it offers Ages 14 days to 64 years: $50,000; $100,000; $500,000; 1,000,000; $2,000,000; $5,000,000
Ages 65 to 79 years: $50,000; $100,000
80 years and older: $10,000
What is a deductible in Travel Medical Choice visitors insurance?
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 Choice insurance offer a set of deductible options for the travelers to choose from. Travel Medical Choice insurance has a range of deductible option from Ages 14 days to 64 years: $0; $100; $250; $500; $1,000; $5,000, Ages 65 to 79 years: $0, $250; $500; $1,000; $5,000, 80 years and older: $0, $500; $1,000; $5,000
What is a provider network of Travel Medical Choice Medical Insurance?
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.
What is coinsurance in Travel Medical Choice visitor insurance?
This is a percentage of the bill that the travel has to pay. Travel Medical Choice plan have 100% coinsurance coverage outside USA.
Travel Medical Choice Pre-existing conditions Visitors Insurance for international travelers
Travel Medical Choice insurance offers coverage for acute onset of pre-existing conditions up to the age of 79 years for acute onset of pre-existing conditions.
Travel Medical Choice offers

Worldwide Excluding the United States:
Ages 14 days to 64 years: $50,000
Ages 65 to 79 years:$10,000
80 years and older: Not Available.

Travel Medical Choice Insurance Reviews

Travel Medical Choice Insurance Cost

Travel Medical Choice insurance review, Seven Corners travel insurance reviews

Travel Medical Choice links

Travel Medical Choice Insurance - Key Hghlights

Plan details of Travel Medical Choice Insurance

Travel Medical Choice Insurance for Schengen visa

Travel Medical Choice visitor insurance - Common Questions

A working example of using Travel Medical Choice insurance

Example - Inside the PPO Network

Example - Out of PPO Network

What are some insurance terms important in Travel Medical Choice reviews?

Resourceful links of Travel Medical insurance

Seven Corners insurance FAQ

Travel Medical insurance blog

Travel Medical insurance forum

Travel Medical Choice blog

Faq about Seven Corners travel insurance coverage for Covid19

Seven Corners travel medical insurance coverage for Covid19

Seven Corners international travel insurance - Resourceful links

Disclaimer