Annual travel insurance is perfect for the frequent traveler. It gives you the freedom to come and go as you please, and one application covers you for the entire year! Take as many trips as you like throughout the year, as long as the length of each trip doesn't exceed the option you selected ‐ 30 or 45 days.
Wander® Frequent Traveler provides up to $1,000,000 of comprehensive medical coverage for travel outside of your home country,* along with an extensive network of providers and 24-hour travel assistance.
When you travel with Seven Corners, you take 20+ years of travel experience with you. Above all, we're here to help, no matter where you are!
Important Information
All applicants must maintain continuous medical insurance that provides coverage in your home country
| Benefits | |
|---|---|
| Medical Maximum | $1,000,000 medical maximum |
Insureds age 65 to 75 traveling inside the United States are limited to $50,000. Insureds age 70 to 75 traveling outside the United States are limited to $100,000. |
|
| Deductible | $250 per person per covered trip |
| Coinsurance | inside the United States and Canada After you pay the deductible, we pay 90% of the next $5,000 of eligible expenses, then 100% to your medical maximum. outside the United States and Canada After you pay the deductible, we pay 100% to your medical maximum. |
| Hospital Indemnity | $100/night for a maximum of 30 days per occurrence, when traveling outside the U.S. & Canada. |
| Dental (Sudden Relief of Pain) | $250 |
| Dental (Accident Coverage) | $500 for accidents |
| Emergency Medical Evacuation/Repatriation (in addition to the Medical Maximum) |
$1,000,000 |
| Follow Me Home Coverage | $5,000 |
| Return Of Mortal Remains | $50,000 |
| Political Evacuation And Repatriation | $50,000 |
| Emergency Reunion | $50,000 |
| Return of Minor Children | $50,000 |
| Interruption Of Trip | $5,000 |
| Loss of Checked Luggage | $500 per occurrence |
| Baggage Delay | $250 per occurrence |
| Local Ambulance Expense | $5,000 |
| Emergency Room Illness without In-Patient Hospitalization | Usual, reasonable and customary to the selected Medical Maximum & subject to an additional $250 deductible |
| Accidental Death & Dismemberment (AD&D) | $25,000 for the primary insured & insured spouse, $5,000 for dependent children; $250,000 maximum per family |
| Common Carrier Accidental Death | $50,000 for insured or insured spouse, $25,000 per child under 18 years; $250,000 maximum per family |
| Hospital Room & Board, Intensive Care, & Outpatient Medical Expenses | Usual, reasonable and customary to your medical maximum |
| Terrorism | Usual, reasonable and customary to $50,000 |
| Waiver Of Pre-Existing Conditions: | $20,000 per period of coverage for U.S. citizens when traveling outside the United States & Canada (refer to exclusion #1 for details). This benefit is limited to $2,500 for age 65 and over. |
| Heart Attack and Stroke Benefit: | Non-U.S. citizens receive $200 per day when hospitalized for a heart attack or stroke. Maximum benefit of $3,000 per period of coverage. (refer to exclusion #1 for details) |
| Benefit Period | 90 days |
What is a benefit period? It's the amount of time you have from the date of your injury/illness to receive treatment. If your plan ends during your benefit period, you can still receive treatment if you are outside your home country. If you have returned home, there is limited coverage under the Follow Me Home benefit. |
|
| Pre-Existing Conditions | |
|
Pre-existing conditions are normally not covered on travel medical plans. With Wander, we provide this coverage to you in two separate benefits explained below - Waiver of Pre-existing Conditions and Heart Attack & Stroke Benefit. Pre-existing conditions are defined in detail in the policy. A brief summary is shown here. Pre-existing conditions include any medical condition, sickness, injury, illness, disease, mental illness or mental nervous disorder, that existed with reasonable medical certainty during the 36* months before your coverage on Wander began, whether or not it was previously manifested, symptomatic, known, diagnosed, treated or disclosed. This includes but is not limited to any medical condition, sickness, injury, illness, disease, mental illness or mental nervous disorder, for which medical advice, diagnosis, care or treatment was recommended or received or for which a reasonably prudent person would have sought treatment during the 36* months before the effective date. *12 months for insured persons traveling outside the U.S. & Canada. |
|
| Waiver of Pre-Existing Conditions | |
|
U.S. citizens traveling outside the U.S. & Canada We pay up to the specified limit for a sudden, unexpected recurrence of a pre-existing condition. This benefit does not cover known, required, or expected treatment of any kind existent or necessary for 12 months before your coverage began. |
|
| Heart Attack & Stroke Benefit | |
Non-U.S. citizens traveling inside the U.S. We pay the specified amount for each night you are hospitalized if you are admitted for a heart attack or stroke, regardless of whether the condition is pre-existing. |
|
Rates Based On A $250 Deductible Per Person Per covered tip - Effective from December 1, 2013. $1,000,000 Medical Maximum.
PLAN A - Maximum 30 Days Per Trip |
||
| Traveling Inside the U.S. | Traveling Outside the U.S. | |
|---|---|---|
| Primary Insured | $265.00 | $195.00 |
| Spouse and 2 Children* | +$135.00 | +$100.00 |
| Each Additional Child | +$51.00 | +39.00 |
| * Your spouse must be listed as an insured to select this price. | ||
PLAN B - Maximum 45 Days Per Trip |
||
| Traveling Inside the U.S. | Traveling Outside the U.S. | |
|---|---|---|
| Primary Insured | $320.00 | $235.00 |
| Spouse and 2 Children* | +$165.00 | +$120.00 |
| Each Additional Child | +$65.00 | +50.00 |
| * Your spouse must be listed as an insured to select this price. | ||
| Length of Coverage | |
|---|---|
|
Your policy period is 364 days. Effective Date - Your policy begins on the latest of the following: 1) The date you request or 2) The date we receive & approve your application & payment. Expiration Date - Your policy ends on the earlier of the following: 364 days after the effective date; the date you are no longer eligible for Wander; when the maximum benefit has been paid. It is your responsibility to maintain all records regarding travel history, age, & student status & provide necessary documents to Seven Corners to verify eligibility if needed. |
|
| Pre-existing Conditions | |
|
Pre-existing conditions are normally not covered on travel medical plans. With Wander, we provide this coverage to you in two separate benefits explained below - Waiver of Pre-existing Conditions and Heart Attack & Stroke Benefit. Pre-existing conditions are defined in detail in the policy. A brief summary is shown here. Pre-existing conditions include any medical condition, sickness, injury, illness, disease, mental illness or mental nervous disorder, that existed with reasonable medical certainty during the 36* months before your coverage on Wander began, whether or not it was previously manifested, symptomatic, known, diagnosed, treated or disclosed. This includes but is not limited to any medical condition, sickness, injury, illness, disease, mental illness or mental nervous disorder, for which medical advice, diagnosis, care or treatment was recommended or received or for which a reasonably prudent person would have sought treatment during the 36* months before the effective date. *12 months for insured persons traveling outside the U.S. & Canada. Waiver of Pre-existing Conditions U.S. citizens traveling outside the U.S. & Canada We pay up to the specified limit for a sudden, unexpected recurrence of a pre-existing condition. This benefit does not cover known, required, or expected treatment of any kind existent or necessary for 12 months before your coverage began. Heart Attack and Stroke Benefit Non-U.S. citizens traveling inside the U.S. We pay the specified amount for each night you are hospitalized if you are admitted for a heart attack or stroke, regardless of whether the condition is pre-existing. |
|
| Filing A Claim | |
Filing a claim is easy! Simply send the itemized bill to Seven Corners within 90 days, along with a completed claim form. Payments can be converted to a currency of your choosing. You're only responsible for your deductible & coinsurance & any non-eligible expenses. Visit our claims page. |
|
| Refund of Premium/Cancellation | |
Refund of total plan cost will be considered if you provide a written request to Seven Corners before your effective date. If your request is received after your effective date, the unused portion of the plan cost may be refunded, minus a cancellation fee, if you have not submitted a claim. |
|
| Important Information | |
|
Please be aware this is not a general health insurance policy but an interim, limited benefit period, travel medical program intended for use while away from your home country. This website is intended as a brief summary of benefits and services. It is not your plan document. If there is any difference between this website and your plan document, the provisions of the plan document will prevail. Benefits and premiums are subject to change. It is your responsibility to maintain all records regarding travel history, age, and provide necessary documents to Seven corner to verify your eligibility for coverage. 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"). The insurance benefits provided by this policy are stated in your policy documents and do not include additional benefits required by PPACA. The PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances penalties may be imposed on U.S. residents and citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney, insurance agent or tax professional to determine if the PPACA's requirements are applicable to you. |
|
| About Your Insurance Company | |
|
Seven Corners will handle your insurance needs from start to finish. We will process your purchase, provide all documents, and handle any claims. In addition, our 24/7 in-house travel assistance team, Seven Corners Assist, will handle your emergency and travel needs. We have 20+ years of experience serving the needs of travelers worldwide - We are here to help! Wander® Frequent Traveler is underwritten by Certain Underwriters at Lloyd's of London and Tramont Insurance Company Limited. Seven Corners operates under the name, Seven Corners Insurance Services, in California. |
Below is a summary of the exclusions. Please see your plan for a complete listing.
