Worldwide
Travel Medical Choice - USA
Comprehensive A.M. Best Rating: A
Comprehensive A.M. Best Rating: A
Travel Medical Choice - USA (A.M. Best Rating: A) is a comprehensive Travel Medical insurance plan that provides medical coverage and other covered travel and emergency services for a traveler's temporary stay outside of their home country, while visiting the USA. Coverage is available from 5 days to 364 days.
While in the U.S., after the deductible is satisfied within the United Healthcare PPO network, the plan will pay 100% of eligible medical expenses up to the selected policy maximum. Outside of the PPO network, the plan will pay 90% of the first $10,000 in eligible medical expenses, then 100% thereafter, up to the selected policy maximum.
Travel Medical Choice - USA does not cover pre-existing conditions. Includes acute onset coverage of pre-existing conditions after a 7-day waiting period: up to $75,000 ($50,000 for cardiac/stroke) for ages 14 days–69, up to $7,500 ($5,000 for cardiac/stroke) for ages 70–79.
Review the Travel Medical Choice - USA policy documents for complete coverage details, exclusions, and limitations.
While in the U.S., after the deductible is satisfied within the United Healthcare PPO network, the plan will pay 100% of eligible medical expenses up to the selected policy maximum. Outside of the PPO network, the plan will pay 90% of the first $10,000 in eligible medical expenses, then 100% thereafter, up to the selected policy maximum.
Travel Medical Choice - USA does not cover pre-existing conditions. Includes acute onset coverage of pre-existing conditions after a 7-day waiting period: up to $75,000 ($50,000 for cardiac/stroke) for ages 14 days–69, up to $7,500 ($5,000 for cardiac/stroke) for ages 70–79.
Review the Travel Medical Choice - USA policy documents for complete coverage details, exclusions, and limitations.
Learn more about 1 optional add-on benefit available on this plan.
How Travel Medical Choice - USA Works
After the deductible, plan pays 100% of eligible medical expenses up to the policy maximum within the United Healthcare PPO network; Outside the PPO network, plan pays 90% of eligible medical expense up to $10,000, then 100% thereafter
In Network
100%
After deductible, 100% up to policy maximum
See How Travel Medical Choice - USA Works.
Out of Network
1.
90%
After deductible, insurance pays 90% of first $10000
Then
2.
100%
Insurance pays 100% up to policy maximum
PPO Network for Travel Medical Choice - USA
Inside the USA
The PPO provider for Travel Medical Choice - USA Insurance is United Healthcare, a network recognized by all major hospitals and healthcare facilities.
When visiting a healthcare facility, remember to mention United Healthcare as your PPO provider. Travel Medical Choice - USA policy holders should visit providers listed within the United Healthcare directory to take advantage of in-network benefits.
Outside the USA
There is no PPO network outside the United States. If your plan allows for coverage outside of the United States, you can view the international list of providers for Seven Corners.
Key Travel Medical Insurance Benefits
Here are some of the top benefits, for your convenience*
Emergency Room
$100 copay, URC up to Policy Maximum
Hospitalization
URC up to policy maximum
Urgent Care
$20 copay, URC up to Policy Maximum
Prescription Rx - Medicine
URC up to policy maximum
Acute Onset of Pre-Existing Conditions
Up to $75000 : Age 69 and below Up to $7500 : Age 70 to 79
PPO Network
Medical Evacuation
Up to $500000
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Lab & X-Rays
URC up to policy maximum
Emergency Room
$100 copay, URC up to Policy Maximum
Acute Onset of Pre-Existing Conditions
Up to $75000 : Age 69 and below Up to $7500 : Age 70 to 79
Hospitalization
URC up to policy maximum
PPO Network
Urgent Care
$20 copay, URC up to Policy Maximum
Medical Evacuation
Up to $500000
Prescription Rx - Medicine
URC up to policy maximum
Lab & X-Rays
URC up to policy maximum
*Note: Benefit amounts shown are based on In-Network coverage. Please consult your specific policy documents for precise coverage benefits, exclusions and age limits. Optional add-on benefits are available for an additional charge.
Eligibility for Travel Medical Choice - USA
- For international travelers traveling outside their home country to the USA
- Coverage for minimum 5 days to maximum up to 364 days
- Extendable for up to 364 days
- For ages 14 days to 99 years
- Eligible for Student Visa holders who do not have specific health insurance requirements to meet.
- Plan can be purchased after arrival at the destination
Medical Coverage
Medical coverage details.
Eligible Medical Expenses
In-Network
In-Network
100% up to policy maximum
Out-Network
Out-Network
90% of first $10,000, 100% thereafter
Available Policy Maximums
Available Policy Maximums
Limits may vary based on age or destination of traveler
Available Deductibles
Available Deductibles
Limits may vary based on age or destination of traveler
Pre-existing Conditions
Medical coverage for Pre-existing and Acute Onset of Pre-existing Conditions.
Pre-Existing Conditions
Pre-Existing Conditions
Pre-existing conditions are not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions:
Please review your policy document for any other limits or exclusions.
Acute onset Pre-Existing Condition
Acute onset Pre-Existing Condition
Up to $75,000 : Age 69 and below Up to $7,500 : Age 70 to 79
Out-Patient
Medical treatment that does not include an overnight stay at a hospital.
Prescription Drugs / Medicines
Prescription Drugs / Medicines
URC up to policy maximum
Dr. / Physician Visit
In-Network
In-Network
$20 copay, URC up to policy maximum
Out-Network
Out-Network
$20 copay, URC up to policy maximum
Urgent Care
In-Network
In-Network
$20 copay, URC up to Policy Maximum
Out-Network
Out-Network
$20 copay, URC up to Policy Maximum
Surgical Treatment
In-Network
In-Network
URC up to policy maximum
Out-Network
Out-Network
URC up to policy maximum
Lab & X-rays
In-Network
In-Network
URC up to policy maximum
Out-Network
Out-Network
URC up to policy maximum
In-Patient
Medical treatment that includes an overnight stay at a hospital.
Hospital Room and Board
In-Network
In-Network
URC up to policy maximum
Out-Network
Out-Network
URC up to policy maximum
Dr. / Physician Visit
In-Network
In-Network
$20 copay, URC up to policy maximum
Out-Network
Out-Network
$20 copay, URC up to policy maximum
Surgical Treatment
In-Network
In-Network
URC up to policy maximum
Out-Network
Out-Network
URC up to policy maximum
Emergency Services
Hospital emergency services (certain limits may apply).
Ambulance Expenses
In-Network
In-Network
Up to $10,000
Out-Network
Out-Network
Up to $10,000
Emergency Room
In-Network
In-Network
$100 copay, URC up to Policy Maximum
Out-Network
Out-Network
$100 copay, URC up to Policy Maximum
Dental Coverage
Treatment for injury to or acute and spontaneous pain in sound natural teeth.
Dental Emergency
Dental Emergency
Up to $500
Travel Coverage
Travel-related coverage
US Border Entry Protection
US Border Entry Protection
Not covered
Emergency Medical Evacuation / Repatriation
Emergency Medical Evacuation / Repatriation
Up to $500,000
Return of Mortal Remains
Return of Mortal Remains
Up to $50,000
Trip Interruption
Trip Interruption
Up to $5,000
Trip Delay
Trip Delay
Not covered
Lost Luggage
Lost Luggage
Up to $500, $50 per article
Terrorism
Terrorism
Up to $25,000
Personal Liability
Personal Liability
Up to $50,000
Identity Theft
Identity Theft
Not covered
Legal Fees
Legal Fees
Not covered
Lost or Stolen Passport
Lost or Stolen Passport
Up to $100
Missed Connection
Missed Connection
Not covered
Other
Other types of coverage not mentioned above.
Doctor Wellness Visit
Doctor Wellness Visit
Not covered
Preferred Rates
Preferred Rates
Not covered
Optional add-on benefits
More coverage options available for extra protection.
Adventure Activities
Adventure Activities
The Adventure Activities rider, if elected and paid for will covere expenses up to the amount set forth in the Schedule of Benefits resulting from an Injury sustained while participating in any of the following activities: Bungee jumping; caving; hang gliding; jet skiing; kayaking; motorcycle, motor scooter or electric scooter riding whether as a passenger or a driver; Parachuting; paragliding; parasailing; scuba diving only to a depth of thirty (30) meters with a breathing apparatus provided that You are SSI, PADI or NAUI certified; snowmobiling; spelunking; surfing waves up to two (2) feet high; wakeboard riding; water skiing; windsurfing; or zip lining. The policyholder must purchase this optional coverage if they wish to be covered while riding a motorcycle, motor scooter, electric scooter or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the specific geographic area located in the Host Country.
Travel Medical Choice - USA Exclusions
What is not covered
Manage Your Policy Online
Active policy holders are encouraged to submit all policy renewals, corrections, or cancellations online through your account for timely processing.
Sign in to your accountHelpful Links
Claims Contact Information
Send Claim Form to:
Seven Corners, Inc.
Attn: Claims, PO Box 211760, Eagan, MN 55121
Attn: Claims, PO Box 211760, Eagan, MN 55121
1-800-335-0611
1-317-575-2652
claims@sevencorners.com
Administrator Contacts:
800-335-0477 or 317-575-2656
claims@sevencorners.com
Claims Form(s):
The Travel Medical Choice - USA is available for:
Pre-existing conditions are not covered by Travel Medical Choice - USA. However, the Travel Medical Choice - USA plan covers for an acute onset of pre-existing conditions. For people up to age 70 the plan covers up to $75,000 for an acute onset of a pre-existing conditions. For people above age 70 to 79, the plan covers up to $7,500 for an acute onset of a pre-existing conditions. Please check the Description of Coverage for more information about what is considered as acute onset of pre-existing condition.
You can go to any doctor or hospital of your choice. If you would like, you can choose to go in the PPO network for Travel Medical Choice - USA, which is the United Health Care PPO Network.
You can search for doctors or hospitals in this Provider Directory.
Travel Medical Choice - USA provides the following acute onset of a pre-existing condition coverage for Cardiac Conditions and/or Stroke.
Coverage: $50,000 for ages 14 days to 69, $5,000 for ages 70 to 79, not applicable for ages 80 and older.
Coverage: $50,000 for ages 14 days to 69, $5,000 for ages 70 to 79, not applicable for ages 80 and older.
An acute onset is a sudden unexpected outbreak or recurrence of a Pre-existing Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration. It has to be an acute medical condition that requires immediate medical attention. More conditions and restrictions apply. Please check the Travel Medical Choice - USA Description of Coverage to understand what is covered under acute onset of pre-existing condition.
Please refer to the following article concerning the Travel Medical Choice - USA claim process:
Visitor Insurance Claim Process
The cost of Travel Medical Choice - USA varies based on several qualifying criteria, such as the traveler's age, duration or length of trip, selected coverage benefit limits, and the selection of additional riders.
Please refer to the following article about the Travel Medical Choice - USA policy usage: How to use Visitor Insurance?
Yes, if you buy Travel Medical Choice - USA initially for more than 5 days, you can extend the policy. You would need to extend the policy before the policy expires. There will be a $5 administrator extension fee. The policy can be extended for up to a maximum of 364 days.
Yes, you can cancel and get a refund for the Travel Medical Choice - USA plan if you need to go back earlier than planned. The following rules apply: (1) You can get refund back, only if you do not need to visit the doctor/provider while the policy is in force. (2) You can get a pro-rated refund for the number of days left in the policy. (3) $35 cancellation fee applies. (4) If there is any claim on file, you would not get any refund back. (5) Written request is required for any cancellation.
You cannot remove one person from the Travel Medical Choice - USA policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.
To purchase Travel Medical Choice - USA, you will need full name(s), coverage duration, date(s) of birth, home country address, and a valid credit card.
You can print out your Travel Medical Choice - USA ID card from your confirmation e-mail as proof of insurance.
Coverage with Travel Medical Choice - USA will be provided in all eligible countries, except your Home Country and any restricted countries listed in the policy. Coverage is valid only within the policy dates. Note: If any part of your trip includes the United States, please select it as your destination country.
Travel Medical Choice - USA can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. The Travel Medical Choice - USA plan does not cover for the COVID-19 vaccine/booster. Travel Medical Choice - USA will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered.
For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.
Based on the desired coverage length you have selected, you have to make the full payment at the initial purchase.
Since Travel Medical Choice - USA is extendable, you can extend it anytime you would like to before the policy expires. There is an extendable fee of $5 associated with the extension.
Coverage begins on the selected date and once the policyholder leaves their home country. Travel Medical Choice - USA covers unexpected new conditions acquired after the start date.
Only the primary destination will be listed on the Travel Medical Choice - USA policy documents, but all eligible countries will still be covered during the policy period.
The Travel Medical Choice - USA plan starts coverage on the selected coverage start date (12:00 am EST) and once the traveler leaves their home country. Coverage applies worldwide outside the home country as long as the policy is active. Coverage ends immediately upon re-entry into the home country and at 11:59 pm EST on the last coverage date.
No, your Travel Medical Choice - USA plan won't extend or renew automatically. You will need to sign into your account online and manually activate the extension or renewal before the policy expires. Not all plans are extendable or renewable, so be sure to review your policy terms and conditions for eligibility.
The Travel Medical Choice - USA plan does not offer coverage for quarantine.
If your school or educational program does not any have specific health insurance requirements to meet, Travel Medical Choice - USA can offer short-term health insurance coverage while you are abroad. It is important to confirm with the school or educational program to ensure that any short-term health insurance plan will be accepted by them.
The insurance provider for Travel Medical Choice - USA recommends submitting correction requests in writing, as your policy is a legally enforceable document. Once received, we forward the request to the provider, who will process requests in the order they are received. It typically take 3-5 business days, for the correction to be completed. To avoid errors and corrections, please double-check your application before purchasing.
During the Travel Medical Choice - USA policy period, if you need to briefly return to your home country and then resume your trip, this plan covers these short trips. The maximum duration for incidental trips home is 60 days, provided they are not for medical purposes. However, this coverage does not apply to the final trip back to your home country.
The optional Adventure Activities rider, offered with Travel Medical Choice - USA, would cover for the following sports and activities: Bungee jumping; caving; hang gliding; jet skiing; kayaking; motorcycle, motor scooter or electric scooter riding whether as a passenger or a driver; Parachuting; paragliding; parasailing; scuba diving only to a depth of thirty (30) meters with a breathing apparatus provided that You are SSI, PADI or NAUI certified; snowmobiling; spelunking; surfing waves up to two (2) feet high; wakeboard riding; water skiing; windsurfing; or zip lining. The policyholder must purchase this optional coverage if they wish to be covered while riding a motorcycle, motor scooter, electric scooter or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the specific geographic area located in the Host Country.
Yes, you may purchase Travel Medical Choice - USA even after the traveler has entered their destination country. Eligible benefits and coverage will begin after the policy's effective start date.
If your original payment method for Travel Medical Choice - USA is invalid, refunds will require a wire or ACH transfer. You will need to provide the account holder's full address, account type (checking/savings), and complete bank information for processing.
Learn more from informative articles at Visitor Insurance Information section.
Have specific questions about this plan?
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Disclaimer
Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.
Optional add-on benefits
Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.
Adventure Activities
The Adventure Activities rider, if elected and paid for will covere expenses up to the amount set forth in the Schedule of Benefits resulting from an Injury sustained while participating in any of the following activities: Bungee jumping; caving; hang gliding; jet skiing; kayaking; motorcycle, motor scooter or electric scooter riding whether as a passenger or a driver; Parachuting; paragliding; parasailing; scuba diving only to a depth of thirty (30) meters with a breathing apparatus provided that You are SSI, PADI or NAUI certified; snowmobiling; spelunking; surfing waves up to two (2) feet high; wakeboard riding; water skiing; windsurfing; or zip lining. The policyholder must purchase this optional coverage if they wish to be covered while riding a motorcycle, motor scooter, electric scooter or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the specific geographic area located in the Host Country.
Disclaimer:
Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
