Seven Corners Travel Insurance Review 2024

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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.

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

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.

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.

Seven Corners Travel Insurance Frequently Asked Questions