Navigating the U.S. healthcare system as a visitor can be financially devastating without proper insurance coverage. Many international visitors underestimate how quickly medical bills can accumulate in America, where a simple emergency room visit can cost thousands of dollars.
Others struggle to find insurance that actually covers them adequately while visiting the United States.
As a senior travel planner who’s helped countless international clients secure appropriate coverage for U.S. visits, I understand these concerns intimately.
This review will help you determine if Seven Corners’ Travel Medical USA Visitor plan provides the protection you need at a reasonable cost.
In this article...
About the Company
Seven Corners has operated in the international travel insurance space since 1993, building particular expertise in coverage for visitors to the United States.
Based in Carmel, Indiana, the company specializes in visitor medical insurance and has developed products specifically for the unique challenges of U.S. healthcare costs.
The Travel Medical USA Visitor plan is underwritten by Lloyd’s of London, which provides strong financial backing and international claims handling experience.
Seven Corners sells primarily direct-to-consumer through their website, making it easy for international visitors to purchase coverage online before traveling.
Plan Overview
The Travel Medical USA Visitor plan is designed specifically for international visitors to the United States who need comprehensive medical coverage during their stay.
This plan works particularly well for tourists, business visitors, and family members visiting relatives who want robust protection against America’s notoriously high healthcare costs.
It provides emergency medical coverage with high limits and includes benefits specifically tailored to the challenges international visitors face in the U.S. healthcare system.
Recommended Plans
Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.
Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).
Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.
Coverage Details
Emergency medical coverage provides up to $1,000,000 per policy period, which is essential given the high cost of medical care in the United States.
The plan covers both inpatient and outpatient treatment, including emergency room visits, hospital stays, surgery, and prescription medications.
Emergency medical evacuation benefits provide up to $1,000,000 for transportation to the nearest adequate medical facility or back to your home country if medically necessary.
Pre-existing medical conditions are covered for acute onset episodes if you’re under age 70 and meet specific requirements.
The plan includes coverage for COVID-19 treatment just like any other illness, which has become increasingly important for international travel.
Plan Highlights
- High medical coverage limits up to $1,000,000 for U.S. healthcare costs
- Emergency medical evacuation up to $1,000,000
- Coverage for acute onset of pre-existing conditions (age restrictions apply)
- COVID-19 coverage included as standard benefit
- Choice of deductible options from $0 to $5,000
- Coverage periods from 5 days to 364 days
- Direct billing arrangements with many U.S. hospitals
- 24/7 multilingual customer service
💡 Personal Note: I had a client from Germany whose father suffered a heart attack while visiting California. The hospital bill exceeded $180,000 for a week-long stay and cardiac procedure. Seven Corners’ high coverage limits handled the entire claim, and their direct billing arrangement meant the family didn’t have to pay upfront and seek reimbursement later.
Features
| Feature | Coverage Amount |
|---|---|
| Emergency Medical | Up to $1,000,000 |
| Medical Evacuation | Up to $1,000,000 |
| Prescription Drugs | Up to $1,000 per incident |
| Emergency Dental | Up to $1,000 |
| Accidental Death | $50,000 |
| Deductible Options | $0, $100, $250, $500, $1,000, $2,500, $5,000 |
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Exclusions and Limitations
The plan has several important exclusions that visitors should understand before purchasing.
Pre-existing medical conditions are only covered for acute onset episodes, not for routine treatment or expected complications of known conditions.
Coverage is limited to visitors under age 80, with reduced benefits for those between 70-79 years old.
Routine check-ups, preventive care, and elective procedures are not covered.
Mental health conditions have limited coverage and typically require emergency treatment to qualify.
Pregnancy-related expenses are only covered for unexpected complications occurring after the policy effective date.
❌ Avoid: This plan if you’re over 80 years old, as coverage is not available. Also avoid if you need routine medical care or have planned treatments, as this plan covers only emergency and acute medical situations.
Pricing Insights
The Travel Medical USA Visitor plan falls into the mid-range pricing category for visitor medical insurance, offering good value for its high coverage limits.
For a 45-year-old visitor staying 30 days with a $100 deductible, expect to pay approximately $45-65 depending on the coverage amount selected.
Choosing higher deductibles can significantly reduce premiums, with the $5,000 deductible option costing roughly 40% less than the $0 deductible.
Age dramatically affects pricing, with costs increasing substantially for visitors over 60.
The plan offers excellent value considering the high medical coverage limits necessary for U.S. healthcare costs.
Pros and Cons
| Pros | Cons |
|---|---|
| High medical limits suitable for U.S. costs | Age limit of 80 excludes older visitors |
| Strong evacuation coverage | Pre-existing conditions have strict limitations |
| Multiple deductible options | No routine or preventive care coverage |
| Direct billing with many hospitals | Mental health coverage is limited |
| COVID-19 coverage included | Pregnancy coverage very restricted |
✅ Pro Tip: Choose the highest deductible you can comfortably afford out-of-pocket. U.S. medical costs are so high that even with a $5,000 deductible, you’ll still have substantial coverage for serious medical issues, and the premium savings can be significant.
Ideal Buyer Profile
This plan is ideal for international visitors to the United States who want comprehensive medical coverage and can afford mid-range premiums.
It works particularly well for tourists, business visitors, and family members visiting relatives who are concerned about U.S. healthcare costs.
The plan is suitable for visitors under 80 who are in generally good health and primarily need coverage for unexpected medical emergencies.
It’s less suitable for visitors over 80, those with significant pre-existing conditions requiring ongoing care, or budget-conscious travelers who prefer basic coverage.
User Feedback
Based on available reviews and industry reputation, Seven Corners receives generally positive feedback for their visitor medical plans.
Customers often praise the straightforward claims process and the convenience of direct billing arrangements with U.S. healthcare providers.
Most complaints relate to coverage limitations for pre-existing conditions or exclusions that some customers didn’t fully understand before purchasing.
The company maintains decent overall ratings, with visitor plan customers typically appreciating the high coverage limits for U.S. medical costs.
ℹ️ Fun Fact: The average cost of a three-day hospital stay in the United States is over $30,000, with some major metropolitan areas averaging over $50,000. This is why visitor medical insurance with high limits is crucial for international travelers to America.
Alternatives to Consider
If Seven Corners’ age limitations are problematic, consider IMG’s Patriot America Plus, which offers coverage for visitors up to age 99 with adjusted benefits for older travelers.
For budget-conscious visitors, Safe Travels USA Comprehensive provides similar coverage with lower premium options, though with reduced maximum limits.
Compared to the Atlas America plan, Seven Corners offers higher standard coverage limits but with less flexibility in coverage customization.
Conclusion
Seven Corners Travel Medical USA Visitor plan provides solid protection for international visitors concerned about America’s high healthcare costs.
The high medical coverage limits and strong evacuation benefits make it particularly suitable for visitors who want comprehensive protection against serious medical emergencies.
While it has limitations around age, pre-existing conditions, and routine care, the plan succeeds in its primary mission of protecting visitors from catastrophic medical expenses during U.S. visits.
For international visitors under 80 seeking robust emergency medical coverage, this plan represents good value in the visitor medical insurance market.
Always review the full policy wording carefully before purchasing. Safe travels!
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Can Save Up to 30%!
