The biggest risk when traveling to the United States is often not the itinerary, but rather "sudden medical expenses." In the US, emergency room visits, hospitalization, surgery, and ambulance services can all be extremely expensive. If your trip includes Alaska, national parks, snow/glacier activities, or long road trips, the cost of an accident could be very high.Need to be transferred to another hospital or transported by medical staffIt is more likely to be the largest source of expenditure.
Therefore, SKYHORSE recommends that travelers prepare travel medical insurance before departure to make their journey safer and more controllable.
About Seven Corners: Travel medical insurance designed for non-U.S. residents entering the United States.
Seven Corners is a well-known U.S. travel insurance and travel medical insurance provider, specializing in providing international travelers with travel medical insurance and emergency assistance services for tourists visiting the United States.
The main reason for recommending SKYHORSE is that its product design is closer to the common risks faced by foreign travelers in the United States (emergency room, hospitalization, sudden illness, accidental injury, emergency assistance and transfer to another hospital, etc.).
Who are particularly advised to purchase insurance?
We recommend that travelers purchase travel medical insurance in the following situations:
- For tourists/family visitors to the United States (especially those staying for more than 7 days)
- Participate in outdoor activities: snowfields, glaciers, national parks, long road trips
- Family trips, with elders traveling together
- The trip involves interstate travel and multiple modes of transportation (flights, cruise ships, trains, etc.).
Seven Corners Travel Insurance Plan Features
USA Visitor program belongs to Scheduled BenefitsEach treatment/item has a "single item reimbursement limit," it's not a case of "you get the full amount reimbursed." The official statement also clearly states that this is... Limited Benefit PolicyIt's not the kind of comprehensive major medical care found in the United States.
Key Considerations for Coverage Limits (Basic vs. Choice)
All currencies areDollarMost medical/dental procedures require a deductible upfront; this plan... Coinsurance is not applicable (no additional proportional payment required).The
1) You can choose your own "Total Medical Expenses Limit" and "Out-of-Pocket Expenses".
- Medical Maximum::
- 14 days to 69 years old: Options available up to $150,000
- 70-99 years old: optional $50,000 / $100,000
- Lifetime Plan Maximum (maximum claim limit for the entire policy term)The highest it can reach is $1,000,000(Both Basic and Choice indicate the maximum limit for the same level; actual claims are still affected by the medical maximum you selected and the limits for each individual item).
- DeductibleDepending on age, you can choose from $0 to $200 (each illness or accident is counted separately).
2) Comparison of common medical items (maximum limit for each item)
- Hospital Room & Board Fees
- Basic: $1, 100/day (maximum 30 days)
- Choice: $2,000/day (maximum 30 days)
- Intensive Care Unit (ICU)
- Basic: Additional $500/day (maximum 8 days)
- Choice: Additional $750/day (maximum 8 days)
- Surgery (inpatient/outpatient)
- Basic: $3,000
- Choice: $5,000
- Emergency Room (ER)
- Basic: $350
- Choice: $600
- Examinations (X-ray, blood test, MRI/CT, etc.)
- Basic: $2,000
- Choice: $3,000
- Prescription drugs (full shelf life)
- Basic: $200
- Choice: $350
- Outpatient/Doctor visits (including urgent care/remote care)
- Basic: $75/session (maximum 1 time per day, maximum 30 times)
- Choice: $100/time (maximum 1 time per day, maximum 30 times)
- Local Ambulance
- Basic: $300
- Choice: $500
- Dental Accident
- Basic: $500
- Choice: $750
- COVID-19 treatmentClaims will be processed as if the illness were a common disease.
3) Emergency medical transport/repatriation (This is what many people are most concerned about, and it's also the most likely to cost a fortune).
Choice: $25,000
Emergency Medical Evacuation:Highest $100,000(This item is) Independent of medical maximum (Calculations outside of this).
Return of Mortal Remains / Local Burial / Cremation
Basic: $20,000
👉 Please read the detailed information.
What if something happens during your trip? (Emergency medical care & 24/7 assistance)
Travelers often need travel insurance when an emergency occurs, so a clear process and 24/7 contact assistance are crucial.
1) Emergency: Seek medical attention first, then contact Seven Corners Assistance.
Seven Corners provides 24/7 emergency medical assistance (Seven Corners Assist) to help arrange medical resources, communication, and necessary support.
- 24/7 Urgent Medical Assistance:1-800-335-0611 / +1-317-575-2652
2) Why is it more necessary for Alaska/remote trips?
Because of the long distance and the great changes in climate and road conditions, the real risk is often not just the medical treatment itself, but the cost of "needing to transfer to another hospital or medical transport".
How can foreign travelers apply for compensation?
Step 1: Prioritize using online accounts to submit documents and check progress.
Seven Corners' official claims process guide recommends that travelers submit their information and track the progress through the online system (based on the account you obtained after purchasing the insurance).
Step 2: Prepare common documents (medical details/receipts/proof of payment)
Claims typically require: itemized bills, receipts, and proof of payment; in the case of an accident, an accident report/statement may also be required (depending on the case).
Step 3: Ensure timely delivery (to avoid claim rejection due to late delivery)
Seven Corners officially states that most travel insurance plans include "Apply within 90 daysThe filing deadline is set at 'timely filing limit'; if the deadline is exceeded, the claim can be processed according to the filing deadline.
Important Reminder
The coverage and limits of travel insurance vary depending on the plan. For example, there may be differences in whether it includes primary/secondary claims, coverage limits and deductibles, exclusions, pre-existing conditions, and age restrictions. Before purchasing insurance, please ensure that the plan's terms and conditions meet your needs.
In addition, USA Visitor benefits are designed with scheduled benefits (each item has a limit), so travelers are advised to download and save the plan document, ID card, and other documents after purchasing the insurance, and to save the emergency assistance number to their mobile phone.
