Return of Mortal Remains. Provided that You have not elected the benefit provided under Section 3.3, the Company will pay up to the amount in the Schedule of Benefits for the additional Expenses incurred if You die during Your Period of Coverage from an Injury or Illness which is not excluded while outside Your Home Country. You are covered for: Return of intact remains, including expenses incurred for Your transfer to and from a funeral home, embalming, a minimally necessary container appropriate for transportation, shipping costs, death certificate, and the necessary government authorizations to return Your remains to a location inside Your Home Country designated by Your representative. This benefit does not cover funeral costs, including but not limited to religious practitioners, visiting hours or services, flowers, music, food and beverages, or the cost of a coffin, urn, burial plot, or grave marker above that which is minimally necessary. The exclusions in Section 5 apply to the coverage provided under this section.

Local Burial or Cremation. Provided that You have not elected the benefit provided under Section 3.2, the Company will pay up to the amount in the Schedule of Benefits for the additional Expenses incurred if You die during Your Period of Coverage from an Injury or Illness which is not excluded while outside Your Home Country.

You are covered for:

1. Return of cremated remains, including expenses incurred for Your transfer to and from a funeral home, cremation in the Destination Country, a minimally necessary container appropriate for transportation, shipping costs, death certificate, and the necessary authorizations to return Your remains to a location inside Your Home Country designated by Your representative; or
2. Your local in-ground burial of intact or cremated remains, including expenses for Your transfer to and from a funeral home, embalming or cremation but not both, a minimally necessary container appropriate for burial, up to $1,000 for a burial plot, a minimally necessary flat grave marker, death certificate, and the necessary government authorizations for burial in Your Destination Country.

This benefit does not cover funeral costs, including but not limited to religious practitioners, visiting hours or services, flowers, music, food and beverages, or the cost of a coffin, urn, burial plot, or grave marker above that which is minimally necessary.

The exclusions in Section 5 apply to the coverage provided under this section.

Political Evacuation and Repatriation. The Company will arrange and pay up to the amount in the Schedule of Benefits for reasonable and necessary Expenses incurred for (i) Your Political Evacuation; and/or (ii) Your Political Repatriation by means of a one-way economy class airfare. Political Evacuation and/or Political Repatriation must occur within ten (10) days of the events causing the necessity for such action. The means of transportation will be the most appropriate and economical under the circumstances for Your health and safety. Such Expenses will be paid once for You per occurrence.

If You fail to heed a Level 3 Terrorism, Level 3 Civil Unrest, or any Level 4 Travel Advisory issued by the United States Department of State or similar warnings issued by other appropriate authorities of either Your Destination Country or Your Home Country recommending that travelers avoid a certain country, region, or specific areas or locations within a country, benefits for Political Evacuation and Repatriation are not covered and will be denied.

The Political Evacuation or Political Repatriation must be arranged by Seven Corners Assist. In the event You do not contact Seven Corners Assist, this benefit will be limited to the amount the Company would have paid if Seven Corners Assist was utilized. Only Expenses which are necessary and cost appropriate will be considered.

Political Evacuation and Repatriation Exclusions. The coverage provided under this section excludes Expenses:

1. Recoverable under any other insurance or through an employer;
2. Arising from or attributable to:
   1. .Dishonest or criminal acts committed or attempted by You;
   2. Alleged violation of the laws of the Destination Country by You unless the Company, in its sole discretion, determines such allegations to be fraudulent;
   3. Your failure to maintain required documents or visas;
   4. iv.Debt, insolvency, commercial failure, or the repossession of any property;
   5. v.Your non-compliance with a contract or license; and
   6. vi.Implementation of illegally contributed exchange rates.
3. Due to liability assured or assumed by You under any contract; or
4. For arrangements not made by Seven Corners Assist.

Additionally, the exclusions in Section 5 apply to the coverage provided under this section.

Travel Assistance Services. Upon enrollment, You are eligible to use any of the assistance services provided by Seven Corners Assist. These services are available twenty-four (24) hours per day, three hundred sixty-five (365) days per year. Multilingual personnel, physicians, and nurses are on staff and can assist with, among other things, emergency situations and locating medical facilities.

Accidental Death and Dismemberment. The Company will pay indemnity determined from the table below if You sustain a loss resulting from Injury suffered from an Accident during the Period of Coverage, provided that: a. such loss occurs within three hundred sixty-five (365) days after the date of Accident causing such loss; b. the indemnity payable for any such loss shall be the Principal Sum stated on the Schedule of Benefits as applicable to You and this Insurance; and c. if more than one (1) loss stated in the table of losses is sustained as the result of one (1) Accident, only one (1) of the amounts, the largest, will be paid.

Loss of life: Principal Sum

One loss (A hand severed above the wrist, a foot severed above the ankle, or an eye with complete and irrecoverable loss of sight): 50% of Principal Sum

Two or more losses (Any combination of two (2) or more losses of a hand severed above the wrist, a foot severed above the ankle, or an eye with complete and irrecoverable loss of sight): Principal Sum

Quadriplegia (The complete and irreversible total paralysis of both upper and lower limbs): Principal Sum

Paraplegia (The complete and irreversible total paralysis of both lower limbs): 75% of Principal Sum

Hemiplegia (The complete and irreversible total paralysis of both the upper and lower limbs on one side of the body): 50% of Principal Sum

Uniplegia:(The complete and irreversible total paralysis of one limb): 25% of Principal Sum

The total amount payable under this section when there are multiple Insured Persons covered, is the Aggregate Limit in the Schedule of Benefits. If the total of such indemnity exceeds the Aggregate Limit, the Company will not be liable to any Insured Person for a greater proportion of such Insured Person’s indemnity afforded by the Accidental Death and Dismemberment benefit than their proportionate share.

For loss of life, the benefit will be paid to the beneficiary designated in writing by You. If no beneficiary is designated or if the beneficiary is no longer living, the benefit will be paid to Your closest living Relative in the following order: a. Spouse; b. child(ren); c. issue of deceased child(ren); d. parent(s); e. siblings; f. issue of deceased siblings; g. grandparents; h.siblings of parents; or i.Your estate.

The coverage provided under this section excludes Expenses:a. For disease or sickness of any kind;b. For bacterial infections except pyogenic infection that occurs through an Accidental cut or wound; or c. For hernia of any kind.

Unless otherwise specifically provided for therein, the coverage provided under Sections 3.1 through 3.4 and 4.2 excludes Expenses that are for, resulting from, related to, or incurred for the following:

1. Aircraft Pilot or Crew Exclusion: You are not covered for Injury sustained while You are riding as a pilot, student pilot, operator, or crew member, in or on, boarding or alighting, from any type of aircraft.
2. Airworthy Exclusion: You are not covered for Injury sustained while You are riding as a passenger in any aircraft which:
   1. Does not have a current and valid Airworthy Certificate; or
   2. Not piloted by a person who holds a valid and current certificate of competency for piloting such aircraft.
3. Athletics Exclusion: You are not covered for Athletics.
4. Competition Exclusion: You are not covered for Injury while participating in contests of speed or riding or driving in any type of competition.
5. Congenital Exclusion: You are not covered for Congenital abnormalities and conditions arising out of or resulting therefrom.
6. Contributory Negligence Exclusion: You are not covered for Injury if the proximate cause of the Injury is due to Your failure to take reasonable care with Your own safety, including but not limited to following applicable laws, safety regulations, and/or signed waivers.
7. Extreme Activities Exclusion: You are not covered for Extreme Activities.
8. HIV/AIDS Exclusion: You are not covered for Acquired Immune Deficiency Syndrome (AIDS), AIDS-Related Complex (ARC), or the Human Immunodeficiency Virus (HIV).
9. Home Country Exclusion: You are not covered while in Your Home Country.
10. Illegal Activity Exclusion: You are not covered for Injury or Illness resulting from the commission of a criminal offense or any other criminal or illegal activity as defined by the local governing body.
11. Inpatient Exclusion: You are not covered for benefits attributable to Injury or Illness during the first thirty (30) days of coverage if You enroll in this Plan while confined to a Hospital, a convalescent, nursing, or rest home or similar facility, a home for the aged, a place mainly providing Custodial Care, Educational or Rehabilitative Care, or a facility mainly used for the Treatment(s) of Substance Abuse at the time of enrollment.
12. Loss of Life Exclusion: You are not covered for loss of life. This exclusion is waived for Section 4.2.
13. Medical Supervision Exclusion: You are not covered for Treatment, services, or supplies that are not administered by or under the supervision of a Physician or Surgeon and products that can be purchased without a Physician’s or Surgeon’s prescription.
14. Medical Treatment Exclusion: You are not covered for Treatment of a medical condition.
15. Mental Illness Exclusion: You are not covered for Mental Illness or Rest Cures.
16. Military Exclusion: You are not covered while engaging in military activities in service of any country, including while using or discharging a weapon, while responding to local civil unrest, at any time while You are stationed in a country or territory with an armed conflict, or while actively training for the aforementioned, or while on active duty as a member of a police force or unit.
17. No Cost Exclusion: You are not covered for Treatment paid for or furnished under any other individual, government, or group policy or Expenses incurred at no cost to You.
18. Occupational Disease Exclusion: You are not covered for Occupational Diseases.
19. Pandemic Exclusion: You are not covered for any Illness incurred in the Destination Country or Home Country as a result of an Epidemic, Pandemic, public health emergency, or other disease outbreak that may affect Your health, except for charges resulting from COVID-19/SARS-CoV-2.
20. Period of Coverage Exclusion: You are not covered for benefits attributable to Injury(ies) or Illness(es) that manifest prior to Your Period of Coverage.
21. Proximity Exclusion: You are not covered for services, supplies, medications, testing, or Treatment prescribed, performed, or provided by a Relative, Family Member, or a person whom You directly supervise at Your place of employment.
22. Quarantine Exclusion: You are not covered for Expenses associated with Quarantine, isolation, or other confinement outside of a Hospital setting; including without limitation: lodging, meals, or other incidentals.
23. Radiation Exclusion: You are not covered for exposure to non-medical nuclear radiation or radioactive materials.
24. Reckless Endangerment Exclusion: You are not covered for Injury if You unreasonably fail or refuse to depart a country or location following the date a warning to leave is issued and such failure causes or contributes to Your Injury. Applicable warnings include those issued by the United States government, the appropriate authorities of either Your Destination Country or Your Home Country, or by a global governing body.
25. Reproductive Exclusion: You are not covered for Pregnancy, childbirth, abortion, or Illness or complications resulting from these conditions, miscarriage including that resulting from an Accident, postpartum care, preventing conception or childbirth, artificial insemination, infertility, impotency, sexual dysfunction, circumcision, or sterilization or reversal thereof.
26. Restricted Travel Exclusion: You are not covered for travel after Your Physician has limited or restricted travel.
27. Self-Harm Exclusion: You are not covered for suicide, attempted suicide, self-destruction, or any attempt thereof, or any intentionally self-inflicted Injury or Illness.
28. Specialty Aircraft Exclusion: You are not covered for Injury while flying in any aircraft being used for acrobatic or stunt flying, racing, endurance tests, rocket-propelled aircraft, crop dusting or seeding or spraying, firefighting, exploration, pipe or power line inspection, any form of hunting or herding, professional aerial photography, banner towing, or any experimental purpose.
29. Substance Exclusion: You are not covered for abuse, misuse, illegal use, overuse, dependency upon, or being under the influence of alcohol, drugs, chemicals, or narcotic agents unless administered under the advice of a Physician and taken in accordance with the proper dosing as directed by the Physician.
30. Terrorist Activity and War Exclusion: You are not covered for Terrorist Activity or War, Hostilities, and War-like Operations.
31. Timely Filing Exclusion: You are not covered for claims which are not received by the Company or Us within ninety (90) days of the date of service.
32. Travel Accommodations Exclusion: You are not covered for travel accommodations.

The Emergency Evacuation plan is available for either 3, 6, or 12 months.

How to Purchase Coverage

Coverage can be purchased online, with your Visa, MasterCard, American Express, Discover, or Diners Club card. To start the process, please visit our online quoting tool to generate a free quote and then purchase coverage.

Document Confirmation

Once you have purchased online, you will receive confirmation instantly onscreen and your documents will also be emailed immediately to your email address on the application form. If you need further assistance with your documents, please contact us.

Refunds

Coverage can be terminated, and a full refund permitted if we receive written confirmation (email, fax, or letter) prior to the effective date of the plan starting. Once coverage has started, no refund will be issued.

Renewals

Coverage on the plan cannot be renewed, however if you need further coverage please simply purchase a new plan for the new dates you need coverage for.