SevenCorners Claims Guide
Travel insurance is here to give you peace of mind while you explore the world. If something goes wrong, don't worry - you've got this! Here's a friendly and empowering guide to help you through the process of filing a travel insurance claim with your insurance administrator Seven Corners.
Submit your claims
You're already a savvy traveler, so the first step is simple: glance over your travel insurance policy. Get familiar with what's covered, and gather everything you need to support your claim (receipts, medical bills, doctors notes, travel documents, etc).
Your claim(s) must be filed within 90 days of the incident. Register your Seven Corners Account to track your claims. To expedite the process, we recommend submitting your claims online once you are logged in.
Provider Claim
Show the healthcare provider the back of your insurance ID card. They are able to submit the claim directly to Seven Corners if they are within the PPO Network.
- Electronic Filing
- Fax
- Groundmail
Self-Pay Claim
You must submit a claim form.
- Seven Corners Account
- Email: claims@sevencorners.com
- Ground mail:
Seven Corners, Inc.
Attn: Claims
PO Box 211760
Eagan, MN 55121, USA
If your claim status is: Received
Your claim(s) were received by Seven Corners.
If your claim status is: Under review
You will receive notifications via email every 14 days, if there are any updates made to your claims.
Your claims are pending review or processed
We understand how disheartening it can be to have your travel insurance claim denied. While we are not able to influence the insurance company's determination, we encourage you to submit additional information which you believe will support your claim. Remember, you have the right to appeal and request Seven Corners to review your claim again.
If your claim status is: Closed
If the status of your claim indicated "Closed", this means that Seven Corners needs additional information in order to re-open and complete your claim(s). Locate your Explanation of Benefits in your Seven Corners Account to understand what information is missing. Examples of missing information include, but are not limited to medical records, doctor's notes, claim form, ACH form, itemized bills, or receipts.
If your claim status is: Applied to Deductible
If the claim indicates a dollar amount lower than expected, please locate your Explanation of Benefits. Deductibles, provider discounts, and/or co-pays may have been applied, per the policy terms.
If your claim status is: Paid
Great news! This means that your claims were approved per the policy guidelines and will be processed for payment. If the claim indicates a dollar amount paid, the funds will be sent directly to the provider or recipient indicated on the claim form.
If Your claim status is: Denied (Disregard this step if your claim indicates Pending or Processed)
We understand how disheartening it can be to have your travel insurance claim denied. While we are not able to influence the insurance company's determination, we encourage you to submit additional information which you believe will support your claim. Remember, you have the right to appeal and request Seven Corners to review your claim again.
Important: Please note that $0 paid may not always mean the claim was denied. You need to view your Explanation of Benefits in case additional information is needed.
Disagree with the outcome? Here's what you can do - Appeal it!
- Know why your claim should be paid, based on your plan's benefits and description of coverage.
- Prepare your appeal by submitting documents which demonstrates why your claim should be approved. Learn more here.
- Write a cover letter explaining why your claim should be paid.
- Request a letter from your doctor if the diagnosis needs further explanation.
- Ask for additional medical records that would help explain the diagnosis in more depth.
- Supply any medical journal articles about the diagnosis that could help support your claim (if applicable).
- Wait patiently for your appeal to be processed. This can take up to 30 days.
Filing claims can be stressful, but we can help
If you need help with your claims, our Claims Assist Specialists are here to help you navigate every step of the process.
VisitorsCoverage uses good-faith efforts to provide customer assistance and responses to inquiries based on the information available. However, the insurer policy documents and decision are the final authority, and we encourage you to read the policy documents carefully.