Written by Tara Mastroeni; edited by Paul Kim; reviewed by Evelyn He
Updated
2024-03-21T20:03:40Z
- Seven Corners Travel Insurance Review
- Seven Corners Travel Insurance Plans
- Additional Coverage Options Offered by Seven Corners
- How Much Does Seven Corners Cost?
- How to File A Claim with Seven Corners
- Compare Seven Corners Travel Insurance
- Seven Corners Travel Insurance Frequently Asked Questions
- Why You Should Trust Us
Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.
Seven Corners Travel Insurance
compare policies and rates with SquareMouth Travel Insurance
Pros
- Diverse coverage options such as CFAR, optional sports equipment coverage, etc.
- Available in all 50 states
Cons
- Prices are higher than many competitors
- Reviews around claims processing are mixed
Seven Corners travel insurance review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Trip cancellation insurance of up to 100% of the trip cost
- Trip interruption insurance of up to 150% of the trip cost
- Cancel for any reason (CFAR) insurance available
Offering the right coverage is not always the same as paying claims and honoring coverage. In our experience, there's a lot of ground in between. Finding the carrier for your needs means looking at the whole picture. With nine plans and plenty of add-ons available, Seven Corners may have exactly what you need.
Competitive with some of the best travel insurance companies, see if Seven Corners travel insurance is right for you.
Seven Corners Travel Insurance Review
Over 30 years, Seven Corners, Inc. has provided travelers with a wide array of coverage options. US-based travelers can find an array of options for traveling abroad or domestically. Non-US citizens can also find options for traveling to the US. The carrier also offers supplemental riders to tailor coverage to your precise needs, such as adventure sports coverage. It is also among the best CFAR travel insurance providers.
Additionally, many of its single-trip policies can be extended up to 364 days. It also offers annual multi-trip insurance for international trips, making it onto our list of the best international travel insurance for long-term travel.
Seven Corners is reviewed positively among customers, receiving an average of 4.2 stars out of five across over 5,100 reviews on Trustpilot. Seven Corners does even better on SquareMouth, receiving 4.38 stars across 3,700 reviews.
Seven Corners Plans Available
As noted above, Seven Corners Travel Insurance offers many travel insurance plans and riders. Each features distinct benefits, inclusions, exclusions, and claim limits, so it's vital to read the plan documents thoroughly before you finalize your purchase. Here is a summary of its core products:
Trip Protection
Comprehensive coverage for US residents traveling domestically or internationally. Specific coverage benefits and services will vary by state, but the broad coverage areas are as follows:
- Trip cancellation (optional CFAR addition for qualified travelers)
- Trip interruption
- Trip delay
- Missed connection
- Change fees
- Accident and sickness medical expenses
- Emergency dental expense
- Emergency medical evacuation/medical repatriation/return of remains
- Accidental death and dismemberment
- Baggage and personal effects
- Baggage delay
- Covid-19 coverage
Trip Protection Annual Multi-trip
This plan is for travelers who intend to go on multiple trips, internationally or domestically, within a 365-day period.
- Trip cancellation: $2,500 to $10,000
- Trip interruption: up to 150%
- Trip delay: up to $200 per day and $2,000 per year
- Missed connection: $1,000 per year
- Travel medical expenses: up to $250,000 or $50,000 for New Hampshire residents; $100 deductibles
- Emergency dental expenses: up to $750; no deductible
- Emergency evacuation and repatriation: up to $500,000
- Lost baggage: up to $2,000 with $500 limit per item; $100 deductible
- Baggage delay: up to $100 per day and $1,000 per year
- 24/7 travel assistance services
Trip Protection USA
This plan is for international travelers visiting the US. Its base plan offers coverage for trip cancellation and interruptions, but you can add onto your coverage with the medical bundle and air travel bundle.
- Trip cancellation: 100% of trip cost up to $20,000 per traveler
- Trip interruption: up to 125% of trip cost
- 24/7 travel assistance services
Optional air travel bundle
- Trip delay over six hours: $100 per day, up to $300
- Travel inconvenience: $150 for missing work or travel diversion
- Baggage and personal effects: $250 per item, up to $500
- Baggage delay over six hours: $100 per day, $250 maximum
Optional medical bundle
- Emergency medical evacuation and repatriation of remains: up to $250,000
- Emergency accident and sickness medical expense: up to $50,000
- Emergency dental expense: up to $250
Travel Medical (Excluding/Including US)
Seven Corners offers standalone travel medical insurance plans for travelers who don't want other travel insurance coverage. It offers separate policies for travel plans including and excluding the US.
Travelers can also choose between the Basic and Choice plans, with additional add-ons. Coverage length can range from five to 364 days. Here are some of the highlights of Seven Corners' Travel Medical plan.
| Excluding the US (Basic) | Including the US (Basic) |
Medical maximums
| Medical maximums
|
| Deductible options: $0 to $5,000 | Deductible options: $0 to $5,000 |
| Coinsurance: 100% to the medical maximum | Coinsurance:
|
| Hospital room and board: URC to medical maximum | Hospital room and board: URC to medical maximum |
| Covid-19 treatment: URC to medical maximum | Covid-19 treatment: URC to medical maximum |
| ER services: URC to medical maximum | ER services: URC to medical maximum with $100 copay |
| Physician office visits: URC to medical maximum | Physician office visits: URC to medical maximum with $30 copay |
| Urgent care visits: URC to medical maximum | Urgent care visits: URC to medical maximum with $30 copay |
| Incidental Trips to Home Country: $5,000 | Incidental Trips to Home Country: $5,000-$10,000 |
| Extension of Benefits to Home Country: $5,000 | Extension of Benefits to Home Country: $5,000 |
Acute onset of pre-existing conditions:
| Acute onset of pre-existing conditions:
|
Dental:
| Dental:
|
| Emergency eye exam (Choice only): $100 | Emergency eye exam: N/A |
| Emergency evacuation and repatriation: $250,000 (separate from medical maximum) | Emergency evacuation and repatriation: $250,000 (separate from medical maximum) |
| Trip interruption: $2,500 | Trip interruption: $2,500 |
| Loss of checked bags: $50 per article, $250 per occurrence | Loss of checked bags: $50 per article, $250 per occurrence |
Travel Medical USA Visitor
This plan is for non-US citizens and non-US residents visiting the US, especially those worried about the cost of medical care while traveling. Travelers can choose between the basic and choice plans, the choice plan offering more coverage. The following are highlights of the basic plan:
- Lifetime plan maximum: $1,000,000
- Medical maximums (per person, per occurrence):
- 14 days to 69 years: $50,000; $100,000; $150,000
- 70-99 years: $50,000; $100,000
- Hospital room and board: $1,100 per day, 30-day maximum
- Hospital ICU: Additional $500, 8-day maximum
- Covid-19 treatment: Same as other illnesses
- Surgery (both inpatient and outpatient: $3,000
- Anesthetist: $500
- Emergency room services: $350
- Prescription drugs: $200 per period of coverage
- Local ambulance: $300
- Acute onset of pre-existing conditions:
- 14 days to 69 years old: up to $50,000
- 70 to 79 years old: up to $25,000
- 80+ years old: N/A
- Medical emergency evacuation: $100,000
- Travel assistance services
Travel Medical Annual Multi-trip
Like the Trip Protection annual plan, this policy is for travelers who are planning multiple trips within a year. However, this plan lacks much of the coverage for travel expenses that Trip Protection offers, excluding any travel cancellation insurance.
Here are a few of the highlights of Seven Corner's Travel Medical Annual Multi-trip insurance:
- Coverage terms: 30 days, 45 days, 60 days
- Medical maximum:
- 14 days to 64 years old: $1,000,000
- 65-75 years old: $100,000
- Deductible options: $0, $250, $500
- Coinsurance (within the US): 90% for the first $5,000 then 100% to the medical maximum
- Coinsurance (outside the US): 100% to the medical maximum
- Hospital room and board: URC to the medical maximum
- Covid-19 treatment:URC to the medical maximum
- Urgent care visit: URC to the medical maximum, $15 copay
- Acute onset of pre-existing conditions:
- 14 days to 64 years old: $20,000
- 65-75 years old: $2,500
- Emergency medical evacuation and repatriation: $1,000,000 separate from medical maximum
- Lost checked baggage: $50 per article, $500 per occurrence
- Baggage delay: $250 per occurrence
- Trip interruption: $5,000
- Optional adventure activities: URC to the medical maximum
- Travel assistance services
Backpacker
This is a basic plan for international travelers, with medical expenses and some travel expense coverage.
Travel medical expenses
- Medical maximum: $50,000
- Deductible: $0 to $500
- Acute onset of pre-existing conditions: $25,000
- Medical expenses due to terrorist activity: $10,000
- Optional adventure activities: up to medical maximum
Emergency services and assistance
- Emergency medical evacuation and repatriation: $50,000
- Emergency medical reunion: $2,000
- Return of mortal remains or local burial or cremation: $25,000
- Natural disaster evacuation: $10,000
- Political evacuation and repatriation: $10,000
Travel expenses
- Trip interruption: $5,000
- 24/7 travel assistance
Mission and NGO
This plan is for travelers volunteering with a mission or a nonprofit organization. Plans can last as long as 180 days.
Travel Medical Expenses
- Medical maximum: up to $500,000 based onh traveler's age
- Deductible: from $0-$500
- Acute onset of pre-existing conditions
- 14 days to 64 years old: up to $50,000
- 65-79 years old: up to $10,000
- 80+ years old: N/A
- Covers up to $25,000 of medical expenses due to terrorism
Emergency Services and Assistance
- Emergency medical evacuation and repatriation: up to $100,000
- Emergency medical reunion: up to $2,000
- Return of mortal remains or local burial or cremation: up to $25,000
- Political evacuation and repatriation: up to $10,000
- Natural disaster evacuation: up to $25,000
Trip expense protection
- Trip interruption: up to $5,000
- Trip delay: $150 per day for up to four days
- Loss of checked baggage: $50 per item, up to $500
- Baggage delay: up to $250
- Travel assistance services
Medical Evacuation and Repatriation
This plan is primarily for non-US citizens studying abroad in the US.
- Emergency medical evacuation and repatriation: $50,000
- Return of remains: $50,000
- Local burial or cremation: $50,000)
- Accidental death and dismemberment: $10,000 for insured, $5,000 for spouse of insured, $1,000 for child
- Travel assistance services
These benefits must be organized through Seven Corners Assist to be covered.
Additional Coverage Options Offered by Seven Corners
Seven Corners understands there's no one size fits all approach. Even with several customized plans, customers may want combinations not offered. So Seven Corners allows its customers to extend coverage with a few riders. Riders are additional coverage options travelers can add to a base plan for an additional fee.
- Air Travel Bundle: Trip Delay, Trip Inconvenience, Baggage and Personal Effects, and Baggage Delay
- Medical Bundle: Emergency Medical Evacuation, Repatriation of Remains, and Emergency Accident and Sickness Medical
- Cancel for Any Reason: Covers up to 75% of the nonrefundable insured trip cost
- Trip Interruption for Any Reason: Covers up to 75% of your nonrefundable insured trip cost.
- Rental Car Damage: Covers up to $50,000 in damage to your rental car
- AD&D Other than Common Carrier: Covers up to $20,000
How Much Does Seven Corners Cost?
Several factors ultimately determine the cost of travel insurance. A few examples include the trip destination, trip duration, trip cost, and age of the travelers. It's best to think of your insurance cost as a percentage of your overall trip cost.
To better estimate the cost of an average travel insurance plan with Seven Corners, we got estimates through Seven Corners and SquareMouth
| Example Trip | Cost |
| 30-year-old couple traveling to Greece for two weeks, $5,000 trip cost. | Basic plan: $124 Choice plan: $200 |
| 25-year-old couple traveling domestically for two weeks, $1,500 trip cost. | Basic plan: $68 Choice plan: $128 |
| Single 30-year-old seeking annual travel insurance, $500 deductible with 30-day of travel per trip | Medical Travel: $278.10 Trip Protection: $375.50 ($2,500 cancellation annual limit) |
| 50-year-old couple traveling to South Korea for a month, $10,000 trip cost. | Basic plan: $312 Choice plan: $468 |
How to File A Claim with Seven Corners
If you need to file a claim with Seven Corners travel insurance, the company makes it easy to get in touch. It provides multiple contact methods, including a text line and WhatsApp number for your convenience. Text lines are supported Mondays through Fridays, from 8 a.m. to 9 p.m.
Here's how to reach customer service or claims:
- Phone (Domestic): 1-800-335-0611
- Phone (International): 1-317-575-2652
- Text: +1-888-655-1402
- Whatsapp: +1-317-430-1140
- Email: customerservice@sevencorners.com
As part of the claims process, you'll likely be asked to provide supporting documentation for your claim. When you're ready to submit that documentation, you can do so via its claims submission page or by mailing any paperwork to the following address:
Seven Corners, Inc.
Attn: Claims
PO Box 211760
Eagan, MN 55121
Compare Seven Corners Travel Insurance
See how Seven Corners Travel Insurance stacks up against the competition.
Seven Corners vs. Allianz Travel Insurance
At first glance, Seven Corners and Allianz are relatively similar. Both offer multi-tiered, single-trip, and annual travel insurance plans. Both companies also provide supplemental riders for cancel for any reason coverage and rental car damage protection. In an ideal world, customers of both companies would enjoy more control over coverage amounts and claim limits.
However, at this time, Allianz does not offer group policies. So, if you're planning on traveling with ten or more people, you'll likely be able to get a better deal with Seven Corners. On the other hand, if you're especially concerned about claims processing time, Allianz may be the better bet between the two.
Read our Allianz Travel Insurance review here.
Seven Corners vs. AIG Travel Insurance
Similarly, AIG travel insurance is comparable to Seven Corners. Each provider boasts a comprehensive insurance plan with varying levels of customization. In addition, both providers offer annual and standalone medical travel insurance plans.
Still, there are some differences between the competitors. For its part, Seven Corners offers a plan for non-US residents traveling to the United States. Meanwhile, AIG has a "Pack 'N Go" plan for last-minute travelers who don't need trip cancellation coverage. Both companies have ample opportunities to improve claims processing times.
Read our AIG Travel Insurance review here.
Seven Corners vs. World Nomads
On the other hand, World Nomads travel insurance and Seven Corners have more distinct differences. While Seven Corners has a wide array of travel insurance plans, World Nomads' selection is more streamlined. To date, it only provides two comprehensive insurance plans, one of which has more inclusions and higher coverage limits than the other.
If you're looking for something other than comprehensive coverage, Seven Corners might be the way to go. If you're okay with all-size-fits-one coverage, World Nomads could be a great option, particularly if you plan on doing any adventure activities while on your trip. For many occasional travelers, bundling to cover bases they might not see is appealing. Of note, adventure sports coverage is included in the World Nomads base plan, while it is only available with Seven Corners for an additional fee.
Read our World Nomads Travel Insurance review here.
Seven Corners Travel Insurance Frequently Asked Questions
How does Seven Corners handle pre-existing conditions?
Seven Corners' single-trip insurance covers pre-existing conditions if you booked within 20 days of your initial trip payment and 15 days of any additions. Additionally, travelers must be medically able while purchasing insurance. Seven Corners' annual plan begins covering pre-existing conditions 60 days after the plan has started.
Can I purchase Seven Corners insurance for trips already in progress?
No, you cannot purchase insurance from Seven Corners for a trip already in progress. However, you can extend certain policies currently in progress.
Are there any geographical restrictions on Seven Corners coverage?
Availability for Seven Corners varies from state to state. Additionally, Seven Corners does not insure travel to certain countries and similarly, doesn't insure international travelers in the US from certain countries.
How does Seven Corners travel insurance compare to credit card travel coverage?
Traditional travel insurance is generally more comprehensive than credit card travel protection, and Seven Corners is no exception. Seven Corners has robust coverage for international travel, medical emergencies, and evacuation, which many travel credit cards do not cover.
Why You Should Trust Us: How We Reviewed Seven Corners Travel Insurance
In reviewing Seven Corners travel insurance, we compared it against other popular travel insurance providers within the industry. Specifically, we examined the available plan options, including any available riders, claim limits, coverages, exclusions, and typical policy costs.
Choosing the best policy for you and any co-travelers is about selecting a policy with the right type of coverage and adequate coverage limits. Ideally, you should ensure that it works well in your budget and allows you to submit a claim quickly. You can read more about how we rate travel insurance products here.
Tara Mastroeni is a freelance real estate and personal finance writer. Besides Business Insider, she writes for Forbes and LendingTree. You can find her at TMRealEstateWriter.com or on Twitter@TaraMastroeni.
Compliance and Operations Associate
Evelyn He is a compliance and operations associate at Business Insider who supports the Personal Finance Insider team. Personal Finance Insider is Business Insider's personal finance section that incorporates affiliate and commerce partnerships into the news, insights, and advice about money that Business Insider readers already know and love.The compliance team's mission is to provide readers with stories that are fact-checked and current, so they can make informed financial decisions. The team also works to minimize risk for partners by making sure language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team.Before joining Business Insider, she served in various legal and compliance roles in different industries, including the legal and pharmaceutical industries.Evelyn obtained her M.S. degree in Marketing at Boston University in 2022. Prior to combining and consolidating her knowledge of law and business, she spent one year finishing 1L courses at Suffolk University Law School to further her legal knowledge. She has also completed MBA business law courses while working on her Bachelor of Business Administration in Management at the University of Massachusetts, Amherst.Outside of work, she enjoys spending time with her 15-year-old Shih Tzu named Money, and her 5-year-old Bichon named Tibber.
Top Offers From Our Partners
Capital One 360 Performance Savings Annual Percentage Yield (APY): 4.35% Minimum Deposit Amount: $0
Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards.
Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
**Enrollment required.
NEW LOOK
Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. Read preview
Thanks for signing up!
Access your favorite topics in a personalized feed while you're on the go.
