| Covid19 Coverage |
Not Covered |
Not Covered |
Travel Medical Plus covers usual, Reasonable, and Customary up to medical maximum or $100,000; whichever is less |
| Coinsurance |
Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit. |
In-network: The plan pays 100%
Out-of-network: IMG pays 80% up to $5,000, then 100%. |
In-network: The plan pays 90% of the first $5,000,then 100% to the medical maximum.
Out-of-network: We pay 80% of the first $5,000,then 100% to the medical maximum. |
| Length of Coverage |
Minimum: 5 days
Maximum: 364 days |
Minimum: 5 days
Maximum: 364 days |
Minimum: 5 days
Maximum: 364 days |
| Medical Maximum Options |
Worldwide including US
Ages 14 days to 69 years: $50,000; $100,000; $500,000; $1,000,000
Ages 70 to 79 years: $50,000; $100,000
80 years and older: $10,000
Worldwide excluding US
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 |
Worldwide excluding US
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 |
Worldwide including US
Age 14 days to 69: $50,000; $100,000; $500,000; $1,000,000
Ages 70-79 : $50,000; $100,000
80 years and older: $10,000
Worldwide excluding US
Age 14 days to 64: $50,000; $100,000; $500,000; 1,000,000; $2,000,000; $5,000,000
Ages 65-74 : $50,000, $100,000
|
| Deductible Options |
Worldwide including US
$0; $100; $250: $500; $1,000, $5,00
Worldwide excluding US
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 |
Worldwide including US
$0; $100; $250: $500; $1,000, $5,00
Worldwide excluding US
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 |
Worldwide including US
$0; $100; $250: $500; $1,000, $5,00
Worldwide excluding US
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
|
| Medical Benefits |
| Hospital room and board |
URC up to medical maximum |
URC up to medical maximum |
URC up to medical maximum |
| Intensive care unit |
URC up to medical maximum |
URC up to medical maximum |
URC up to medical maximum |
| Hospital indemnity |
Not Covered |
$150 per overnight inpatient confinement, maximum limit of 30 overnights. Not subject to deductible |
Including USA :Not Covered
Excluding USA : $150 per overnight inpatient confinement, maximum limit of 30 overnights. Not subject to deductible |
| Urgent Care Clinic |
Including USA : URC up to medical maximum , $30 copay [in addition to deductible]
Excluding USA : URC up to medical maximum |
URC up to medical maximum |
Including USA :URC up to medical maximum , $20 copay [in addition to deductible]
Excluding USA : URC up to medical maximum |
| Prescription Drugs |
URC up to medical maximum |
URC up to medical maximum |
URC up to medical maximum |
| Emergency Services |
| Emergency local ambulance |
Including USA : $5,000
Excluding USA : Up to medical maximum |
Up to medical maximum |
Including USA : $10,000
Excluding USA : Up to medical maximum |
| Hospital emergency room |
Including USA: Up to $100 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. (no co-payment for emergency room treatment of an injury)
Excluding USA: Up to the maximum limit |
Up to the maximum limit |
Including USA: Up to $100 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. (no co-payment for emergency room treatment of an injury)
Excluding USA: Up to the maximum limit |
| Dental |
| Emergency dental treatment |
$250 maximum limit due to accident and $100 for sudden relief of pain |
$500 maximum limit due to accident and $200 for sudden relief of pain |
$500 maximum limit due to accident and $200 for sudden relief of pain |
| Emergency Eye Exam |
Not Covered |
$100 per occurrence |
Including USA: Not Covered
Excluding USA: $100 per occurrence |
| Acute Onset of Pre-Existing Condition |
| Acute Onset of Pre-Existing Conditions |
Worldwide Including the United States(168 hour [7 day] waiting period):
- Ages 14 days to 69 years: $25,000
- Ages 70 to 79 years :$2,500
- Ages 80 years over :Not Covered
Worldwide Excluding the United States(72 hour [3 day] waiting period):
- Ages 14 days to 64 years: $25,000
- Ages 65 to 79 years :$5,000
- Ages 80 years over :Not Covered
|
- Ages 14 days to 64 years: $50,000
- Ages 65 to 79 years :$10,000
|
Worldwide Including the United States(168 hour [7 day] waiting period):
- Ages 14 days to 69 years: $50,000
- Ages 70 to 79 years :$5,000
- Ages 80 years over :Not Covered
Worldwide Excluding the United States(72 hour [3 day] waiting period):
- Ages 14 days to 64 years: $50,000
- Ages 65 to 74 years :$10,000
- Ages 80 years over :Not Covered
|
| Life |
| AD&D |
Members under age 18: Up to $2,500 principal sum
Members age 19-80: $10,000 principal sum
$250,000 aggregate limit per total insureds on plan |
Members under age 18: Up to $5,000 principal sum
Members age 19-80: $25,000 principal sum
$250,000 aggregate limit per total insureds on plan |
Members under age 18: Up to $5,000 principal sum
Members age 19-80: $25,000 principal sum
$250,000 aggregate limit per total insureds on plan |
| Common carrier AD&D |
Members under age 18: Up to $5,000 principal sum
Members age 19-80: $20,000 principal sum
$250,000 aggregate limit per total insureds on plan |
Members under age 18: Up to $10,000 principal sum
Members age 19-80: $50,000 principal sum
$250,000 aggregate limit per total insureds on plan |
Members under age 18: Up to $10,000 principal sum
Members age 19-80: $50,000 principal sum
$250,000 aggregate limit per total insureds on plan |
| Evacuation |
| Emergency medical evacuation |
Up to $250,000 |
Up to $500,000 |
Up to $500,000 |
| Emergency reunion |
$200 per day / 10 day and $25,000 maximum |
$200 per day, 10-day limit $50,000 maximum |
$200 per day, 10-day limit $50,000 maximum |
| Return of mortal remains or cremation/burial |
$25,000 and $5,000 for cremation/burial |
$50,000 and $5,000 for cremation/burial |
$50,000 and $5,000 for cremation/burial |
| Return of minor children |
$25,000 |
$50,000 |
$50,000 |
| Political evacuation and repatriation |
$10,000 |
$10,000 |
$10,000 |
| Natural disaster evacuation |
$25,000 |
$50,000 |
$50,000 |
| Natural Disaster Daily Benefit |
$50 per day / 5 day maximum |
$100 per day / 5 day maximum |
$100 per day / 5 day maximum |
| Trip interruption |
$2,500 maximum limit. Not subject to deductible |
$5,000 maximum limit. Not subject to deductible |
$5,000 maximum limit. Not subject to deductible |
| Terrorism |
$10,000 |
$25,000 |
$25,000 |
| Unique Advantages |
Travel Medical Basic Insurance Advantages:
- Very affordable plan for short term travel cover.
- Waiver of Pre-existing Condition for US Residents outside the United States.
- Covers Acute Onset of a Pre-existing Condition for Non US Residents in the United States.
- Deductible per policy period.
- Cancellation and refund of full premium provided before the policy start date.
|
Travel Medical Choice Insurance 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.
- With minimum $50,000 coverage and $0 deductible, this plan satisfies Schengen visa up to the age of 79 years.
|
Travel Medical Plus Insurance Advantages:
- Comprehensive visitors insurance.
- Only one time deductible per period of coverage.
- Cancellation and refund of full premium before policy start date.
- With minimum $50,000 coverage and $0 deductible, this plan satisfies Schengen visa up to the age of 79 years.
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| Travel Insurance |
| Underwriter |
Underwritten by Crum & Forster SPC |
Underwritten by Crum & Forster SPC |
Underwritten by Crum & Forster SPC |
| Rating |
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA- |
AM Best Rating: "A" (Excellent) |
AM Best Rating: "A" (Excellent |
| Brochure and Details |
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Seven Corners Covid travel insurance - Know more