Frequently Asked Questions
How This Plan Works
You can buy the Seven Corners J Visa Compliance Travel Medical Insurance plan online and receive your coverage documents at the end of the purchase process. We will also email them to you, using the email you provide to us.
The travel insurance documents you receive include:
- A confirmation email with the details of your purchase.
- An ID card (we recommend you keep this with you at all times).
- A copy of your plan document. This is a legal document that provides the details of your coverage.
- A summary of the benefits provided by the plan.
J-2 visa holders and their dependents can be covered by the Seven Corners J Visa Compliance Travel Medical Insurance plan if you are temporarily residing outside your home country.*
Also, the J-1 visa holder must remain engaged in full-time educational or research activities during the time you're covered by this plan. The J-2 visa holder and/or their dependents are eligible as long as the related J-1 visa holder remains in official status.
Dependents include natural or legally adopted unmarried children over 14 days and under 21 years of age.
Country Restrictions — We cannot sell to persons who are a resident of Australia, Cuba, Democratic People’s Republic of Korea (North Korea), Gambia, Ghana, Islamic Republic of Iran, Nigeria, Sierra Leone, Syrian Arab Republic, United States, and United States Virgin Islands.
*What is my home country and why do I have to be outside it to be covered?
Your home country is the country where you have your permanent residence.
You are covered for worldwide trips that include the USA if you are traveling outside of your home country, which is the country where you have your permanent residence.
Travel medical insurance plans like the J Visa Compliance Travel Medical plan require you to be outside your home country to be covered.
Important: If you return to your home country, you are not covered by this plan.
Destination Restrictions: We cannot cover trips to Afghanistan, Antarctica, Belarus, Cuba, Haiti, Iraq, Islamic Republic of Iran, Israel, Democratic People’s Republic of Korea (North Korea), Libyan Arab Jamahiriya, Myanmar, Palestinian Territory Occupied, Russian Federation, South Sudan, Sudan, Syrian Arab Republic, and Yemen.
- $100,000 minimum medical benefit per accident or illness
- $50,000 minimum emergency medical evacuation coverage
- $25,000 minimum coverage for repatriation
- $500 maximum deductible per accident or illness
- Proof of coverage for the duration of the visa
- A plan underwritten by an insurance carrier with an AM Best rating of "A-" or higher
These requirements are established and reviewed periodically by the U.S. government and could be subject to change in the future.
Coverage Length
You are required to buy a minimum of 5 days and may buy a maximum of 364 days.
Effective Date
This is the start date of your plan. Coverage begins on the later of the following: 1) 12:00 a.m. on the date after we receive your application and correct payment if you buy online; 2) The moment you depart your home country; or 3) 12:00 a.m. on the date you request on your application.
Expiration Date
This is the date coverage ends on the earlier of the following:
- The moment you return to your home country;
- 11:59 p.m. on the date you reach the maximum period of coverage;
- 11:59 p.m. on the date shown on your ID card;
- 11:59 p.m. on the date that is the end of the period for which you paid premium; or
- The moment you fail to be eligible for the plan.
All times above refer to United States Eastern Time.
Extending Your J Visa Plan
You can extend coverage as long as you remain eligible for the plan. Eligibility requirements include the J-1 visa holder remaining engaged in full-time educational or research activities outside their home country.
If you initially buy less than 364 days of coverage, you may buy additional time, from a minimum of 5 days to a total of 1,092 days (three 364-day periods). We will email you an extension notice before your coverage expires, giving you the option to extend your plan. A $5 administrative fee is charged for each extension.
When we receive your payment for the extension, we will extend your plan’s expiration date.
Your original effective date is used to determine determine pre-existing conditions.
The J Visa Compliance Travel Medical Insurance plan is in excess of all other valid and collectible insurance. If at the time of loss there is other valid and collectible insurance, we are liable only for the excess of the amount of loss, over the amount of the other insurance and applicable deductible. Recovery of losses from other parties does not result in a refund of premium paid.
We will refund your payment if we receive your written request for a refund before your effective date of coverage.
If your request is received after your effective date, the unused portion of the plan cost may be refunded minus a $25 cancellation fee, if you have not submitted any claims to Seven Corners.
Please send your written request for cancellation to policy@sevencorners.com.
You can find coverage details and exclusions in the plan document provided on this page.
Underwriter
This travel medical insurance is underwritten by Crum & Forster SPC and meets the insurance requirements for J Visa. The Crum & Forster group of companies is rated A (Excellent) by AM Best 2023.
About Seven Corners
Seven Corners will handle your travel medical insurance needs from start to finish. We will process your purchase, provide all documents, and handle any claims. In addition, our own 24/7 in-house travel assistance team, Seven Corners Assist, will handle your travel needs.
Travel Medical Benefits and Coverage
Find a Doctor or a Hospital or call Seven Corners Assist at 1-800-335-0611.
Inside of the United States — We offer an extensive PPO network of medical providers with special network pricing and potential savings for you.
Outside of the United States — Seven Corners has a large international network of providers, and many of them have agreed to bill us direct for treatment they provide. We recommend you contact us for a referral, but you may seek treatment at any facility.
Utilizing the network does not guarantee benefits or that the treating facility will bill Seven Corers direct. We do not guarantee payment to a facility or individual until we determine the expense is covered by the plan.
Claims for pre-existing conditions are not covered by this plan.
It’s any medical condition, sickness, injury, illness, disease, mental illness or mental nervous disorder, regardless of the cause, including any congenital, chronic, subsequent, or recurring complications or consequences related thereto or resulting therefrom that existed with reasonable medical certainty when you purchased the plan or any time during the 12 months before the coverage began, whether or not previously manifested, symptomatic, known, diagnosed, treated or disclosed. This specifically includes but is not limited to any medical condition, sickness, injury, illness, disease, mental illness or mental nervous disorder, for which medical advice, diagnosis, care or treatment was recommended or received or for which a reasonably prudent person would have sought treatment during the 12-month period immediately preceding the effective date of this plan.
Pre-existing conditions are not excluded from coverage for these benefits: Emergency Medical Evacuation and Repatriation, Emergency Medical Reunion, Return of Child(ren), Return of Mortal Remains, Local Burial or Cremation.
PPACA – Patient Protection and Affordable Care Act
This insurance is not subject to and does not provide certain insurance benefits required by the United States’ Patient Protection and Affordable Care Act (“PPACA”). PPACA requires certain US citizens or US residents to obtain PPACA compliant health insurance, or “minimum essential coverage.” PPACA also requires certain employers to offer PPACA compliant insurance coverage to their employees. Tax penalties may be imposed on U.S. residents or citizens who do not maintain minimum essential coverage, and on certain employers who do not offer PPACA compliant insurance coverage to their employees. In some cases, certain individuals may be deemed to have minimum essential coverage under PPACA even if their insurance coverage does not provide all of the benefits required by PPACA. You should consult your attorney or tax professional to determine whether the policy meets any obligations you may have under PPACA.
Good Faith Efforts
Seven Corners will make good faith efforts to provide the services and assistance described in this brochure. If Seven Corners is unable to do so due to circumstances beyond its control or due to circumstances that make it unsafe for persons to provide such services and assistance, then Seven Corners will provide the services and assistance to the extent reasonable and possible. If Seven Corners is unable to directly arrange services, expenses incurred by you for services that would otherwise be covered under this plan and that would typically be arranged by Seven Corners may be eligible for reimbursement and should be submitted for consideration. It is your responsibility to preserve all documentation of related financial transactions you wish to be considered for reimbursement.
AH-4532
Important Information from Crum & Forster, SPC.
Disclaimer: The above information is a summary of the important features of the plan. It is not a contract of insurance. This plan includes both insurance and non-insurance benefits. The terms and conditions of coverage are set forth in the Plan issued to the policyholder. For a detailed plan description, exclusions, and limitations please view the plan on file with Seven Corners, Inc. The Policy contains a complete description of all of the terms, conditions, and exclusions of the insurance plan as underwritten by Crum & Forster, SPC. The Policy will prevail in the event of any discrepancy between this web page and the Policy.
