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Seven Corners Travel Insurance: What You Need to Know

Note: The coronavirus pandemic has disrupted existing and future travel plans, and turned greater attention to trip insurance. Read our take on specific information concerning travel insurance and COVID-19, or see our comprehensive guide to managing your finances during COVID-19.

Established in 1993, Seven Corners is a travel insurance provider that offers a wide assortment of plan options to U.S. and non-U.S. residents. The company provides single and annual trip plans as well as student specific options, and travel medical insurance.

When planning a vacation, you may want to consider purchasing travel insurance as it can help you in case an emergency pops up before or during your trip. Whether you’re looking for a comprehensive policy or emergency medical coverage to supplement the travel insurance with your credit cards, Seven Corners provides a number of options.

We’ll examine the travel insurance options to help you decide if they make sense for you.

What plans does Seven Corners offer?

Seven Corners provides an assortment of different travel insurance plans including:

  • Travel medical insurance.

  • Options for non-U.S. citizens visiting the U.S.

  • Plans for groups of 10 or more travelers.

Seven Corners RoundTrip Plans

RoundTrip plans are created for those who are departing from their home, traveling to another destination (or destinations) and returning home.

To evaluate plan options, we used a sample itinerary for a $5,000, two-week trip to Greece by a 38-year-old Louisiana resident.

$250/day per person; maximum $250

$250/day per person; maximum $2,000

Missed tour or cruise connection (3 hours)

Emergency accident & sickness medical expense

Medical evacuation & repatriation of remains

Emergency medical evacuation

Transportation of children

Transportation to join you

Political or security evacuation

Pre-existing medical conditions waiver

Covered if you meet the requirements in the plan document

Baggage and personal effects

$500; per item limit $250

$2,500; per item limit $250

Passport, visa or other travel documents replacement

Credit card charges and interest

Items subject to special limitations

$100 per day; maximum $500

$100 per day; maximum $500

Additional trip interruption for a $0 cost trip

Accidental death & dismemberment benefits 24-hour other than common carrier

Accidental death & dismemberment benefits common carrier

Worldwide travel assistance

The RoundTrip Basic plan ($197) is a good comprehensive travel insurance option and offers 100% trip cancellation (for trips up to $30,000), 100% trip interruption, $100,000 for emergency medical expenses (secondary coverage), $250,000 for medical evacuation/repatriation, lost luggage, baggage delay and other benefits.

The RoundTrip Choice plan ($280) includes all the benefits of the Basic plan, but with trip cancellation coverage up to $100,000, 150% trip interruption, $500,000 for emergency medical expenses (primary coverage), $1,000,000 for medical evacuation/repatriation and other benefits.

Notably, the latter plan offers primary emergency medical coverage, allowing you to seek medical reimbursement from the policy without first contacting your main medical insurance policy.

Each plan offers several optional add-ons:

  • Rental car damage: Provides up to $35,000 of coverage if your rental car is stolen or damaged due to an accident, theft, natural disaster and more. The cost depends on how many days you need coverage, ranging from $7 for one day to $98 for a two-week trip.

  • Trip interruption for any reason: Allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund up to 75% of your unused nonrefundable deposits. The benefit must be purchased within 20 days of the initial trip payment. The added cost to the RoundTrip Basic Plan is $5.91; the added cost to the RoundTrip Choice Plan is $8.40.

  • Cancel for any reason: Allows you to cancel a trip for any reason and receive a reimbursement of up to 75% of your nonrefundable trip costs. Cancellation must occur two or more days before the scheduled departure date. For the RoundTrip Basic Plan, this optional add-on costs $82.74. For the RoundTrip Choice Plan, it is $117.60.

Seven Corners annual plans

Annual travel insurance plans are designed for frequent travelers who want to take many trips throughout the coverage period (364 days). A trip begins once you leave your home country.

Seven Corners offers two annual policies: Wander Frequent Traveler and Wander Frequent Traveler Plus. The policies can be customized depending on how long you plan to be away from home for any one trip. You can travel as much as you like during the 364 days, so long as any one trip doesn’t exceed the option selected — 30, 45 or 60 days.

The plans provide coverage of up to $1,000,000 in medical expenses and $1,000,000 in medical evacuation/repatriation. In addition to the below, the plan includes additional medical-related benefits. Refer to the terms and conditions of the policy for details.

Amount & relevant details

Worldwide including or excluding the United States

Ages 14 days to 64 years old: $1,000,000
Ages 65 to 75 years old: $50,000

$0; $250; $500 (per covered trip)

Within the US: Plan pays 90% for the first $5,000, then 100% up to maximum.
Outside the US: Plan pays 100%

Accidental death and dismemberment

Common carrier accidental death

$50 per bag; $500 per incident

$100 per day, two-day limit per occurrence

Lost or stolen travel documents

To look at policy cost and available optional add-ons, we used a sample trip starting in July 2021 for a 45-year-old who plans to travel worldwide. The policies assume a personal deductible of $250 per occurrence.

Wander Frequent Traveler and Wander

The plans offer customization depending on your travel needs. Whether you’re looking for adventure sports coverage or a modification to your medical deductible, Seven Corners allows you to choose the option that’s the best fit.

Seven Corners medical only plans

The Basic, Choice and Elite plans provide varying degrees of coverage, with the Elite plan offering the highest limits. The Plus plan includes a specific call out for COVID-19, with $100,000 in medical coverage for COVID-19-related illnesses and $500,000 for emergency medical evacuation and repatriation.

Other coverage need-to-knows

Coronavirus considerations

Seven Corners treats COVID-19 the same as any other illness under the terms of the RoundTrip Basic, Economy, Choice and Elite plans. Policyholders are eligible for reimbursement of losses related to trip cancellation, trip interruption, medical expenses and medical repatriation. In addition, the insurer has several plans that specifically include COVID-19-related coverage.

If the plan you’re considering isn’t one of the plans shown above or you have additional questions about coverage, contact Seven Corners at 1-800-335-0611 or [email protected].

What isn’t covered

Trip insurance plans have a number of exclusions that you need to pay attention to so you know exactly what type of coverage you’re getting. Here are some general exclusions:

  • High-risk activities: Skydiving, bungee jumping, heli-skiing and other types of high-risk sporting activities that the insurer deems unsafe.

  • Intentional acts: Losses sustained from intoxication, drug use, self-harm and criminal activity.

  • Specifically designated events: Epidemics, natural disasters and war are commonly excluded events.

Exclusions may vary based on the policy and where you live, so it’s always best to review the fine print to ensure you’re clear about what is and isn’t covered.

Which Seven Corners travel insurance policy is best for me?

Selecting the plan best for you involves understanding what type of coverage you will want while traveling.

  • For premium travel credit card holders: If you hold a premium travel card that already provides you with an adequate amount of trip cancellation coverage, you may only want to get a standalone emergency medical policy. For example, The Platinum Card® from American Express offers $10,000 per trip and $20,000 per year in trip cancellation benefits. Terms apply. If you hold this card and your trip is more expensive, you’d want to consider a standalone travel insurance plan.

  • For anyone wanting more coverage: If the coverage provided by your card isn’t sufficient, you don’t have credit card coverage or you didn’t pay for your trip with that credit card, then you might be better off with a comprehensive plan like one of the RoundTrip or Annual Trip plans from Seven Corners, depending on your travel goals.

  • For frequent, extensive travelers: If you’re a long-term traveler and expect to take many trips, the annual plans will be the most suitable. However, with coverage for each trip capped at 60 days, you’ll want to look at other options if you will be away from home for longer.

How to choose a Seven Corners plan online

Then, you’ll choose the type of coverage (such as trip protection, travel medical). On the next screen, select “Get a Quote” and add the trip details to see a list of plans.

Frequently asked questions

Is Seven Corners Travel Insurance good?

Seven Corners has a 4.4 star (out of 5) rating on SquareMouth, an insurance comparison site, from over 2,500 reviews. But before you purchase a travel insurance plan, check to see what coverage you may already have. If you have a travel credit card, you might have built-in complimentary travel insurance. If you hold one of these credit cards, see what the benefits and limits are because you may have sufficient coverage.

In this case, you’ll be better off purchasing a separate emergency medical plan. However, if your credit card doesn’t provide enough coverage, a comprehensive travel insurance plan might be the right choice. Seven Corners has various options to choose from.

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