Travel Medical Excluding USA

Medical coverage for U.S. residents traveling internationally

To buy this plan, you must be traveling outside the United States.

Is travel medical insurance worth it?

The real question is: Is your health worth it?

You can’t predict when you might get sick or hurt. That’s why it’s best to be prepared, no matter where you go. Because your health insurance at home probably doesn’t follow you on international trips and your destination’s universal healthcare isn’t intended for travelers, you need travel medical insurance to protect you and your money when trip happens.

A small investment in Seven Corners Travel Medical Insurance is a major investment in your own wellbeing.

How does Seven Corners Travel Medical help you during international trips?

In addition to the benefits you need to protect your wellbeing, our international travel health insurance provides access to a global directory of medical providers and Seven Corners Assist, our multilingual 24-hour emergency support team to guide you through the unexpected. *

* This service is not insurance and is provided by Seven Corners Assist.

Plan Options

All benefits shown below are in United States dollar amounts. All medical, dental, and vision benefits are subject to the deductible. Unless otherwise stated, all benefits are per person, per period of coverage, and they are provided up to the amount shown. You have 180 days to receive treatment from the date of an injury or illness, and your initial treatment must occur within 30 days of the date of injury or illness.

Benefits Travel Medical Excluding USA Basic
Reliable coverage		 Travel Medical Excluding USA Choice
Most popular
Medical Maximum Options
Ages Available Benefit Maximum
14 days to 64 years old $50,000; $100,000; $500,000; $1,000,000
65 to 79 years old $50,000; $100,000
80 years and older $10,000
Deductible Options (You pay) $0; $100; $250; $500; $1,000 $0; $100; $250; $500; $1,000

Protect your health

Benefits Travel Medical Excluding USA Basic Travel Medical Excluding USA Choice
Hospital Room and Board, Inpatient & Outpatient Medical Expenses, Physician Office Visits, Prescription Drugs, COVID-19 Treatment URC* to medical maximum URC to medical maximum
Emergency Room Services & Urgent Care Visits URC to medical maximum URC to medical maximum
Physiotherapy and Chiropractic Care N/A $50 per visit, 10 visits maximum
Local Ambulance Benefit Up to medical maximum Up to medical maximum
Extension of Benefits to Home Country $5,000 $10,000
Incidental Trips to Home Country $5,000 (available with 30 days of coverage) $10,000 (available with 30 days of coverage)
Acute Onset of Pre-Existing Conditions
Ages Available Benefit Maximum
14 days to 64 years old $25,000
65 to 79 years old $5,000
80 years and older N/A
Ages Available Benefit Maximum
14 days to 64 years old $50,000
65 to 79 years old $10,000
80 years and older N/A


Terrorist Activity $10,000 $25,000
Dental — Sudden Relief of Pain $100 (available with 30 days of coverage) $200 (available with 30 days of coverage)
Dental — Accident $250 $500

Emergency Services and Assistance**

Benefits Travel Medical Excluding USA Basic Travel Medical Excluding USA Choice
Emergency Medical Evacuation and Repatriation $250,000
(separate from medical maximum)		 $500,000
(separate from medical maximum)
Emergency Medical Reunion $2,000 $2,000
Return of Child(ren) $25,000 $50,000
Return of Mortal Remains or Local Burial/Cremation $25,000 $50,000
Natural Disaster Evacuation $25,000 $25,000
Political Evacuation and Repatriation $10,000 $10,000

Protect your trip expenses and belongings

Benefits Travel Medical Excluding USA Basic Travel Medical Excluding USA Choice
Trip Interruption $2,500 $5,000
Trip Delay N/A $100 per day, 2-day limit per occurrence
Loss of Checked Baggage $50 per article, $250 per occurrence $50 per article, $500 per occurrence

Optional Coverage

Benefits Travel Medical Excluding USA Basic Travel Medical Excluding USA Choice
Adventure Activities Up to medical maximum Up to medical maximum

THIS IS A LIMITED BENEFIT POLICY. The insurance described on this page provides limited benefits. Limited benefits plans are insurance products with reduced benefits intended to supplement comprehensive health insurance plans. This insurance is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act.

* URC means Usual, Reasonable, and Customary. It is the maximum amount we will pay for covered expenses based on several factors. See the definition in the plan document for more details.

** Arrangement of the above benefits is not insurance and is handled by Seven Corners Assist. If you do not contact Seven Corners Assist, the benefit will be limited to the amount we would have paid if Seven Corners Assist was utilized. The requirement to use Seven Corners Assist does not apply to Return of Mortal Remains or Local Burial/Cremation. HDI Global Specialty SE provides the insurance benefits.

Frequently Asked Questions

How this plan works

Once you complete your purchase, you will immediately receive a receipt, a summary of your benefits, an ID card, and a copy of the plan document. The plan document is a legal document that explains how your coverage works, including a list of exclusions. We recommend you read your plan document, so you understand how your Travel Medical plan works.

To be covered by this plan, travelers must be a resident of the 50 United States (other than New York) or Washington, D.C., and at least 14 days old.

State Restrictions — Residents of New York cannot buy this plan.

U.S. residents are covered for worldwide trips that exclude the USA.*

Destination Restrictions — We cannot cover trips to Afghanistan, American Samoa, Antarctica, Belarus, Cuba, Democratic People’s Republic of Korea (North Korea), Guam, Haiti, Islamic Republic of Iran, Iraq, Israel, Lebanon, Libyan Arab Jamahiriya, Myanmar, Northern Mariana Islands, Palestinian Territory Occupied, Puerto Rico, Russian Federation, South Sudan, Sudan, Syrian Arab Republic, U.S. Minor Outlying Islands, U.S. Virgin Islands, Yemen, and the United States.

If you need medical coverage for any part of your trip that involves time in the USA, you should choose a Seven Corners Trip Protection plan.

Your coverage length may vary from 5 days to 364 days.

Your plan’s effective date is the start date of your plan, on the later of the following:

  1. 12 a.m. the day after we receive your application and correct payment;
  2. The moment you depart the United States; or
  3. 12 a.m. on the date you request.

All times above refer to United States Eastern Time.

Your plan’s expiration date is the date your coverage ends, which is the earliest of the following:

  1. The moment you return to the United States (except for coverage through Incidental Trips to Home Country and Extension of Benefits in Home Country);
  2. 11:59 p.m. on the date you reach the maximum period of coverage;
  3. 11:59 p.m. on the date shown on your ID card;
  4. 11:59 p.m. on the date that is the end of the period for which you paid; or
  5. The moment you are no longer eligible for coverage.

All times above refer to United States Eastern Time.

If you initially buy less than 364 days of coverage, you may buy additional time, to a total of 364 days. Your original effective date is used to calculate your deductible and to determine pre-existing conditions and if maximum coverage amounts have been reached.

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.

All coverages in this plan except Accidental Death & Dismemberment and Common Carrier Accidental Death are in excess of other insurance or similar benefit programs and apply only when such benefits are exhausted. This plan is secondary coverage to other insurance except Medicaid. Such other insurance or similar benefit programs may include, but are not limited to, membership benefits; workers’ compensation benefits/programs; government programs; group or blanket coverage; prepayment coverage; union, labor, or employee plans; socialized insurance programs or programs otherwise required by law or statute; automobile insurance; or third-party liability insurance.

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 $35 cancellation fee, if you have not submitted any claims to Seven Corners.

Your underwriter is HDI Global Specialty SE.

Insurance benefits are underwritten by HDI Global Specialty SE, which is rated A+ (Superior) by AM Best 2024.

Seven Corners administers your plan.

Seven Corners will handle your travel medical insurance needs from start to finish. We will process your purchase, provide all documents, and handle all claims. In addition, Seven Corners Assist will handle all your travel assistance needs, including emergency services such as emergency medical evacuations and repatriations.*

*These types of services are not insurance and are not affiliated with HDI Global Specialty SE. They are provided by Seven Corners Assist.

Travel Medical Benefits and Coverage

Visit sevencorners.com/help/find-a-doctor or contact Seven Corners Assist to learn how to find medical treatment.

Outside of the United States — Seven Corners has a large international directory of providers, and many of them will bill Seven Corners direct for treatment they provide. We recommend you contact us for a referral, but you may seek treatment at any facility.

We do not guarantee payment to a facility or individual until we determine the expense is covered by the plan.

It is any injury or illness, including mental illness, which meet one or more of the following criteria before your effective date of coverage:

  • You were diagnosed;
  • You received treatment;
  • Treatment was recommended to you;
  • There is reasonable medical certainty that the injury or illness existed within the last 12 months, whether or not it previously manifested, was symptomatic, known, diagnosed, treated, or disclosed.

This includes any chronic, subsequent, or recurring complications of an injury or illness which meets the above criteria.

Many travel insurance plans do not cover pre-existing conditions. Seven Corners Travel Medical covers them through the Acute Onset of Pre-Existing Conditions benefit.

Coverage amounts vary by age and plan. See the schedule of benefits in the plan document for details.

An Acute Onset of Pre-Existing Conditions is the occurrence of a pre-existing condition that meets these criteria:

  1. It is sudden, unexpected, and occurs without advanced warning;
  2. It is a medical emergency;
  3. It occurs during the period of coverage and after the 72-hour (3-day) waiting period;
  4. You obtained treatment within 24 hours of the occurrence;
  5. You did not have a change in prescription or treatment related to the underlying pre-existing condition within the last 30 days; and
  6. Your pre-existing condition is not congenital, a previously diagnosed chronic condition with expected episodes or flare-ups, or a deteriorating condition which cannot be controlled and gradually intensifies over time.

Coverage begins 72 hours after the effective date of coverage and ends when the first of these events occurs:

  1. The condition no longer being acute; or
  2. Your discharge from the hospital.

There is no coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to departure from your home country and before your coverage begins.

There is no coverage for treatment for which you have traveled or conditions for which travel was undertaken after your physician limited or restricted travel.

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 U.S. citizens or U.S. 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.

Limitations, exclusions and disclaimers from HDI Global Specialty SE.

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 HDI Global Specialty SE. The Policy will prevail in the event of any discrepancy between this web page and the Policy.

Seven Corners Travel Insurance

303 Congressional Blvd.
Carmel, Indiana 46032

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