Seven Corners Travel Insurance Review (2024) (2024)

Seven Corners offers multiple travel insurance options, including Seven Corners Trip Protection, Seven Corners Travel Medical Insurance and Seven Corners Travel Medical Annual Multi-Trip plans.

Under Trip Protection, you can choose between the Basic and Choice plans. The Choice plan offers enhanced coverage limits, including up to $500,000 worth of medical expense coverage and up to $1,00,000 for medical evacuations. You can also add coverage for pre-existing medical conditions if you meet the company’s waiver requirements.

The Travel Medical Insurance plan provides up to $5 million in emergency medical insurance, no matter your destination. The Travel Medical Annual Multi-Trip plan is an annual policy you pay for once a year, convenient for frequent travelers. It includes coverage for medical expenses, emergency evacuation and additional benefits for any trips you take within the year you enroll.

Seven Corners also offers plans for travelers visiting the U.S. from abroad. Coverage is mostly focused on medical expenses incurred in the U.S., which has some of the most expensive medical costs in the world. The Seven Corners Travel Medical USA Visitor plan offers international travelers medical coverage and assistance in navigating the U.S. healthcare system. This plan is available only to non-U.S. residents.

For most international travel originating from the U.S., we recommend Trip Protection plans. As an example, we’ve outlined the coverage included on the more affordable Basic Trip Protection plan below.

• Trip cancellation: Trip cancellation insurance reimburses you for non-refundable travel expenses. Basic trip cancellation protection includes coverage for up to 100% of your total trip costs.
• Trip interruption: Trip interruption insurance refunds you for non-refundable expenses and helps you get home if you’re forced to cut your trip short. Basic trip interruption coverage reimburses you for up to 100% of your trip costs.
• Trip delay: Trip delay protections compensate you for each day your trip is delayed, beginning at six hours’ delay. Trip Protection Basic coverage includes $200 worth of trip delay protection for each day your travel is delayed up to $600. Seven Corners plans also include missed connection coverage for cruise-goers, with up to $500 for meals, lodging and additional trip costs.
• Emergency medical and dental: Emergency medical and dental coverage are medical insurance plans that cover injuries and illnesses treated abroad, as most domestic health insurance plans don’t cover international treatments. The Basic plan includes up to $100,000 worth of medical expense coverage and $750 in dental benefits.
• Emergency evacuation: Emergency medical evacuation coverage helps get you home if you’re critically injured abroad. This coverage may help transport you to the closest medical care center with sufficient resources to treat your injury or illness. The Trip Protection Basic plan includes $250,000 worth of medical evacuation coverage.

• Personal and baggage: This benefit pays you if your baggage or other personal items are lost, stolen, damaged or destroyed during your trip or while checked with a common carrier. The Trip Protection Basic plan includes $500 worth of baggage coverage.
• Baggage delay: This benefit helps you pay for necessities and toiletries if your baggage gets delayed on your way to your destination. Trip Protection Basic plans cover $100 in baggage delays for up to a $500 maximum benefit.

All Seven Corners plans include emergency evacuation and medical assistance, with immediate help from multilingual travel representatives available 24 hours a day, seven days a week. This is beneficial if you’re planning a trip to a country where you cannot speak or understand the local language.

Policies Offered

Not sure which Seven Corners plan is right for you? The following is a summary of Seven Corners’ travel insurance plans available for U.S. citizens. Sample plan details were collected using data from a 30-year-old traveling to Mexico for one week with a total trip cost of $1,500.

Seven Corners Add-On Options

Like any travel insurance provider, Seven Corners will not cover every situation you might encounter. However, you can extend your coverage with one or more optional riders, or a la carte protections you can purchase.

Seven Corners offers the following add-on options for the Travel Protection travel plans:

• Rental car collision coverage: If you’re planning to rent a car abroad, you can add up to $35,000 worth of collision coverage with Seven Corners’ collision insurance rider.
• Cancel for any reason (CFAR) coverage: Similar to most travel insurance, Seven Corners plans will only cover cancellation reimbursem*nts if you must cancel your trip for a covered reason. The company’s CFAR upgrade entitles you to a reimbursem*nt of 75% of your travel expenses, no matter why you need to cancel.
• Interrupted for any reason (IFAR) coverage: Like the CFAR upgrade, this add-on grants you reimbursem*nt for up to 75% of nonrefundable trip expenses.
• Sports and golf equipment rental reimbursem*nts: This option reimburses you up to $5,000 if you must rent replacement equipment while traveling because yours was lost, stolen, damaged, destroyed or delayed by a common carrier (such as an airline) for at least six hours during your trip.
• Pre-existing conditions waiver: If you have a medical condition at the time you explore travel insurance plans, most insurance companies will exclude related coverage. However, Seven Corner’s pre-existing conditions waiver allows you to extend your coverage to include these conditions if you qualify.

The pre-existing conditions waiver is only available on select Travel Protection plans.

On average, it costs $206 for a travel insurance plan with Seven Corners. However, your exact price will depend on your age, the cost of your trip, your destination and trip length. The cost of each plan tier varies due to differences in coverage levels and benefits. For instance, the Trip Protection Choice plan offers a higher medical coverage limit than the Trip Protection Basic plan.

Your trip type also affects how much you pay for a plan. If you’re traveling to a remote area, you may prefer more comprehensive medical coverage compared to a standard leisure trip. As a result, your insurance expenses will be higher. You can see an estimate of the plan costs based on different traveler profiles in the table below.

*We obtained policy costs by requesting quotes on the Seven Corners’ website.

Seven Corners International Travel Insurance Cost

Seven Corners lets you choose from many options for international travel insurance. To help you understand the cost, we gathered quotes for a 30-year-old couple planning a $5,000, 11-day vacation to Mexico. We listed the estimates we received in the table below.

Seven Corners Domestic Travel Insurance Cost

The company also offers many valuable options to those traveling within the U.S. To help you get an idea of the domestic travel insurance cost, we obtained quotes for a 30-year-old couple planning a $5,000, 11-day trip to Alaska. We received the following estimates:

Seven Corners is accredited with the Better Business Bureau (BBB) and has an A+ rating. Reviews of Seven Corners’ travel insurance are variable, with customer sentiment varying by website.

Customers who were satisfied with their insurance coverage say they received quick, knowledgeable assistance from customer service. However, some customers were also upset with Seven Corners for refusing to provide appropriate reimbursem*nt or taking weeks or even months to review their claims.

What Customers Like:

Customers who were satisfied with their insurance coverage say they received quick, knowledgeable assistance from customer service.

“I purchased travel protection basic insurance for an intentional trip, just in case I needed medical attention. While traveling, a family member fell ill back in the US and I had to fly home unexpectedly. I reached out to Seven Corners after returning home to see if the policy could cover the cost of the ticket due to the medical emergency and the representative let me know it could cover up $1,000 if I had proper back up documentation. I filled out the paperwork, submitted the claim, and it was approved and the money was deposited into my account. One thing to know, it wasn’t a quick process. I filed the claim in October and it wasn’t reviewed until December. I had to resubmit the physicians form and then it was approved in January. I received the direct deposit to my account with 48 hours of the approval though! I would definitely use them again and look to add in the plan that fully reimburses costs due to a medical emergency/trip interruption.”—E.S. via Trustpilot, January 2024.

“Seven Corners was very helpful in getting our trip insurance for our South Africa trip. We had some problems getting there so now I’m filling out a claim for our lost vacation time. I’m assuming that Seven Corners is going to be just as helpful and fair in this process.”—Michael M. via Trustpilot, November 2023.

What Customers Don't Like:

Many customers were also upset with Seven Corners for refusing to provide appropriate reimbursem*nt or taking weeks or even months to review their claims, and having difficulty contacting customer service.

“Doing all they can to avoid payment. Sending me multiple replies asking for more documents when everything needed provides. Very unhappy with the service. I recommend to avoid.”—Dror E. via Trustpilot, January 2024.

“I needed to speak with someone on a weekend and no one was available. My luggage was damaged on the flight, but didn’t notice it until unpacking at the hotel. Tried to call on a Saturday, but was informed by answering that no one would be there til Monday. Our tour started on Sunday so I was unable to place the return call. Had to purchase new luggage at my own cost to get home.”—Saibo via Trustpilot, October 2023.

When asked about the above negative reviews, Seven Corners Content Marketing Strategist Becky Hart replied with the following:

“We placed great emphasis on improving our claims processes and customer communication in 2023,” she said. “We also introduced a more user-friendly way to submit claims online, which improved efficiency and gave customers a more transparent way to track their claims. As a result, processing times have dropped dramatically and our improvements have been reflected by improved customer ratings on both Trustpilot and Google Reviews.”

“Even as claims processing times have dropped, we continue to review each submission thoroughly in accordance with policy language and law,” Hart added. “We realize policy language can be complex, which creates confusion for the customer during the claims process. We always encourage people to review their plan document and ask questions before they purchase their plan and travel.”

Although Seven Corners offers several options to suit various travel requirements, comparing its offerings to other providers can help you find the best fit for your needs. Use the table below to compare the company’s cost, coverage and relevant details with other insurers.

Your trip destination also impacts the ideal insurance provider for your situation. Different travel locations have different risks that can affect the type of coverage you need. You can use the table below to find the ideal provider based on your destination.

Select your destination to find a travel insurance provider:

If you are looking to insure an upcoming trip, it’s worth requesting a travel insurance quote from Seven Corners. The company provides international and domestic travelers with diverse plan options, valuable add-ons and significant customization. It’s also affordable, with lower or comparable rates to average travel insurance premiums offered by other companies. With multiple plan and customization options, the company makes it easy to find a policy that fits your travel plans and budget.

However, we recommend getting quotes from multiple providers and comparing rates and coverage to ensure you get the best deal based on your travel protection needs and budget.