- Who is eligible to purchase an iNext card?
Any individual 13 years of age and older who is a resident of the United States may obtain an iNext Insurance policy.
- What is supplemental insurance coverage and how does it work?
Like many travel/medical insurance plans, the coverage provided by iNext is secondary to any other coverage that you may have. In other words, if you are covered by another insurance policy or plan — whether personal, parental, or through your sending institution — then that is your primary coverage. Prior to departure, you should contact your primary insurance carrier to determine what, if any, accidents or illnesses may be covered overseas.
In the event that you must file a claim for reimbursement of medical expenses incurred while you are abroad, please note that you must first file a claim with your primary insurance carrier to determine what, if any, portion of those medical expenses are reimbursable through your primary coverage. Subsequently, you should file a claim with Seven Corners for any amount that was not covered by your primary insurance. If you have no other coverage in place, the iNext coverage becomes primary, up to the stated benefit maximums of your plan and subject to the terms and exclusions of the policy.
While abroad, you should have your primary insurance carrier information readily available. During the claims process, you will be asked to submit the following:
- Name of primary insurance carrier
- Complete street address and telephone number of primary insurance carrier
- Policy ID #, Member #, Group # as applicable, of primary insurance coverage
- Who is the provider of the iNext supplemental travel insurance plans?
The iNext Supplemental travel/medical insurance plans are provided under a group sickness, accident, and travel insurance plan maintained by CIEE: The Council on International Educational Exchange, and are administered by Seven Corners, Inc. The base policies are underwritten by Nationwide Mutual Insurance Company, Columbus, OH, with its principal place of business at One Nationwide Plaza, Columbus, OH 43215. Security Evacuation coverage is underwritten by Inter Hannover, 10 Fenchurch St., London, EC3M 3BE, UK.
- How long am I covered by my iNext travel insurance plan?
You are covered for 365 days from the effective date of your coverage for unlimited travel outside of the U.S. (and/or home country). Please note that your insurance effective dates are clearly indicated on the front of your iNext card.
- Where in the world am I covered under my iNext travel insurance plan?
Your insurance coverage is valid anywhere in the world outside of the United States and District of Columbia. Home country coverage is excluded.
- What are the plan exclusions?
iNext Supplemental plans do not include coverage for the following:
- Pre-existing conditions: Any condition identified or treated within the 90-day period preceding your insurance effective date. Please note that the look-back period for pre-existing conditions is 60 days for Premium Plus and Platinum Plus plans.
- Treatment of mental, psychological or nervous disorders except on the Platinum and Platinum Plus plans, which include a mental health benefit up to the medical maximum. Please note that the pre-existing condition exclusion applies to the mental health benefit.
- Routine physicals
- Routine dental examinations and cleanings
- Preventative medicine
- A complete list of exclusions can be found in each individual plan's Description of Coverage
- Is pre-approval required before receiving medical treatment?
You do not need to contact Seven Corners prior to receiving medical treatment aside from hospitalization or scheduled surgery. You must, however, contact Seven Corners before being admitted to a hospital for surgery or inpatient care unless it is a medical emergency and a call is not possible. The Seven Corners medical response team is available 24/7 and may be able to arrange for direct payment with the hospital or coordinate guarantees for serious and expensive medical cases.
Please understand that direct payment is not guaranteed, as each claim is handled on an individual case basis. The customary procedure is to pay first and submit a claim for reimbursement. It is important to retain all receipts and documentation related to your claim.
- How do I file a claim?
You should telephone Seven Corners as soon as possible after receiving treatment or suffering a loss in order to initiate the claims process. When calling, please have the following information available:
- Policy Number (listed on the back of the iNext card)
- What coverage type or benefit category the claim is under (e.g. Medical Expense, Baggage Loss, etc.)
- The date the covered treatment or loss occurred
- The amount that was paid (if applicable)
During the call, a claim will be opened by a Seven Corners representative based on your responses. A claim form will be mailed, emailed, or faxed to you or to a designated recipient in the U.S. (e.g. a parent or family member). Upon receipt or upon return to the U.S., you should review and complete the claim form and return it to Seven Corners along with any requested supporting documentation such as original receipts, diagnostic records, police reports, proof of travel, etc., along with primary insurance information.
It is important to remember to keep your receipts from doctor’s visits, pharmacy prescriptions, and diagnostic records. These will be required by Seven Corners when you file a claim. All diagnostic forms should be translated into English, if possible. Claims processing can be delayed due to lack of documentation. The better prepared you are, the smoother the claims processing will be.
- Who do I call for help in the event of an emergency?
Seven Corners is available 24/7 and can be reached at the following numbers for assistance with emergencies and to file a claim:
- Phone number toll free inside the U.S.:
- Phone number collect/toll free outside the U.S.:
Seven Corners’ Address:
Seven Corners, Inc.
303 Congressional Blvd.
Carmel, IN 46032
- What is trip cancellation and interruption coverage?
Trip Cancellation and Interruption benefits provide coverage for forfeited, non-refundable, unused payments or deposits if due to:
- Unforeseen physician-certified sickness, injury, or death of the insured, a traveling companion, or family member
- The insured’s primary residence being made uninhabitable by natural disaster, vandalism, or burglary
- The insured being subpoenaed, required to serve on a jury, hijacked, or quarantined
- Being directly involved in a traffic accident en route to departure
- Inclement weather causing the cessation of services by the common carrier for at least 24 consecutive hours
- Strike resulting in the complete cessation of services by the common carrier for at least 24 consecutive hours
Trip Cancellation and Interruption benefits do not cover:
- Carrier-caused delays such as mechanical difficulties (covered under Trip Delay)
- Travel arrangements cancelled by the tour operator
- Change in plans or personal financial circumstances (“I don’t want to go/Can’t afford to go”)
- Normal pregnancy or childbirth
- Any government regulation or prohibition, war, civil disorder