Seven Corners

What Seven Corners is

Seven Corners designs, sells and services travel insurance plans under its own name, and a separate insurer carries the risk. The visitor and evacuation plan pages state that "Insurance coverage is underwritten by Crum & Forster SPC," and the visitor page adds that "Crum & Forster SPC provides the insurance benefits." A dedicated disclaimer page explains the structure: "By purchasing this insurance provided by Crum & Forster SPC, under the jurisdiction of the Cayman Islands, you become a member of the Fairmont Specialty Trust." Seven Corners, Inc. is at 303 Congressional Blvd., Carmel, Indiana, and the disclaimer routes complaints to its Complaints team there, on 1-800-335-0611.

The product menu lists Trip Protection, Trip Protection Annual Multi-Trip, Trip Protection USA, Travel Medical, Travel Medical Annual Multi-Trip, Travel Medical USA Visitor, Cruise Insurance, Medical Evacuation and Repatriation, and Expat & Nomad Health Insurance. The government page says Seven Corners "began administering government health care programs in 2003" and started working with the Federal Bureau of Prisons in 2006.

Travel Medical USA Visitor

The visitor plan is for travelers coming to the United States and comes in "two levels of coverage: Basic and Choice." The page describes it as a plan with "scheduled benefits," and it carries a warning in capitals: "THIS IS A LIMITED BENEFIT POLICY." It "is not an alternative to comprehensive coverage." "Medical maximum options are available up to $150,000 (based on each traveler's age)," and deductibles run "from $0 to $200," applied "per illness or injury." "There is no coinsurance."

Each benefit has its own cap, paid out of the chosen medical maximum:

• Hospital room and board "up to $2,000 per day, 30-day limit"
• Surgery "up to $5,000," anesthesia "up to $1,000," inpatient miscellaneous "up to $1,000"
• Emergency room services "up to $600" and diagnostics "up to $3,000"
• Prescription drugs "up to $350 per period of coverage"
• Physician visits "up to $100 per visit, 30-visit maximum"
• Emergency medical evacuation and repatriation "up to $100,000," and return of mortal remains "up to $25,000"
• Incidental trips to the home country "Up to $50,000" for coverage longer than 30 days, and dental accident "Up to $750"

Acute onset of pre-existing conditions is covered "Up to $75,000 for ages 69 or younger and up to $25,000 for ages 70 to 79 years," and "There is no coverage for travelers older than 79 years." Evacuation benefits must be arranged through Seven Corners Assist; if not, the benefit "will be limited to the amount we would have paid if Seven Corners Assist was utilized."

The page says "You must be a non-United States resident traveling to the USA to buy this plan," that "you must be at least 14 days of age and younger than 100 years of age," and that Green Card holders "cannot buy this plan." It cannot be sold to residents of a listed set of countries, among them Australia, Cuba, Iran, Nigeria and the United States. Buyers can purchase "up to 364 days of coverage," and extensions carry "a $5 fee for each extension," while the Choice level "can extend your coverage up to 1,092 days (3 years)." The destination must be the USA, and the plan "provides limited coverage for travel to additional countries for trips that originate in the USA," though it cannot cover trips to a listed set of countries including Afghanistan, Cuba, Iran, Israel, Russia and Ukraine. Cover begins at the latest of "12 a.m. the day after we receive your application and correct payment if you apply online," the moment of departure from the home country, or the requested start date, and ends when the traveler returns home. After purchase the buyer receives "a receipt, a summary of your benefits, an ID card, and a copy of the plan document."

Medical Evacuation and Repatriation

This plan is narrower. "Any non-U.S. resident traveling to the USA can buy this plan regardless of whether you have a visa," and the page says it "is designed to help fulfill J visa insurance requirements" but "provides medical evacuation and repatriation coverage only and does not meet all insurance requirements for J Visa coverage." Its schedule gives a coverage length of 365 days, emergency medical evacuation and repatriation of $50,000, return of mortal remains or local burial of $50,000, and AD&D principal sums of "$10,000" for the primary insured, "$5,000" for a spouse and "$1,000" per child, with an aggregate limit of $250,000.

Trip Protection Annual Multi-Trip

The annual trip plan covers "any trip lasting 40 days or less (30 days for Florida residents)" and includes "travel medical benefits, COVID-19 coverage" as well as cancellation and baggage cover. It can start "as far as 180 days from tomorrow" and "will expire exactly one year from the start date you choose." For cancellation the page offers "four levels of coverage for your nonrefundable, prepaid trip expenses" and then lists five amounts: "$2,500; $5,000; $10,000; $20,000; and $30,000."

Assistance and claims

"Seven Corners Assist is available 24/7 to help insured travelers with urgent travel and medical assistance," with "interpreters available in more than 130 languages." Medical help includes evacuation, repatriation, pre-certification "when applicable" and "Medical Bill Payment Guarantees"; travel help includes passport recovery, embassy contacts and visa information. In a life-threatening emergency the assistance page says to "Call the local emergency service immediately" and then "Contact Seven Corners Assist as soon as you can." Seven Corners then reviews "for a Guarantee of Payment to pay the medical facility directly if the facility will allow and we are able to verify necessary information." At an in-network provider, "Do not pay a network provider, as they will bill Seven Corners directly." Travelers can buy online or through "our licensed agents," and the visitor page lists 800-335-0611. The information security page lists PCI DSS, HIPAA, NIST 800-53 rev4, GDPR and ISO 27001:2022 among the standards it follows.

Who it suits

The visitor plan suits non-U.S. residents coming to the U.S. who want a low deductible and are content with scheduled per-item caps under a medical maximum of up to $150,000; the page itself calls it a limited benefit policy. Visitors over 79 get no acute-onset pre-existing cover. The evacuation plan suits J-visa and other visitors who already hold medical cover and want evacuation and repatriation alone. The annual trip plan suits frequent travelers whose trips each last 40 days or less.