MCIS Flexible Travel Insurance - Including USA

Plan Detail

Plan Administrator: Seven Corners | AM Best Rating: A "Excellent" | Underwriter: Lloyd's


Claims - 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 and coinsurance and any non-eligible expenses. To learn more about filing a claim, visit


Pre-certification requirements apply for treatment in the United States only.

The following expenses must always be pre-certified:

To comply with the pre-certification requirements, you must do the following:

1. Contact Seven Corners Assist at the telephone number on your ID card as soon as possible before the expense is incurred;

2. Comply with Seven Corners Assist’s instructions and submit any information or documents they require;

3. Notify all physicians, hospitals and other providers that this insurance contains pre-certification requirements and ask them to fully cooperate with Seven Corners Assist.

If you comply with the above requirements and the expenses are precertified, we will review the medical expenses to determine if they are covered according to the terms of the plan document.

If you do not comply with the pre-certification requirements or if the expenses are not pre-certified, we will review the medical expenses to determine if they are covered according to the plan document. If covered:

1. Eligible medical expenses will be reduced by 50%; and

2. The deductible will be subtracted from the remaining amount; and

3. The coinsurance will be applied.

Emergency Pre-certification – For an emergency hospital admission, pre-certification must be made within 48 hours, or as soon as reasonably possible.

Pre-certification Does Not Guarantee Benefits – The fact that expenses are pre-certified does not guarantee coverage for, or payment of the service or procedure reviewed. Eligibility for and payment of benefits are subject to the terms, conditions, provisions and exclusions in the plan document.

Concurrent Review – For inpatient stays, Seven Corners will pre-certify a limited number of days of confinement. Additional inpatient days may later be pre-certified if you receive prior approval.