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Seven Corners is an extremely reputable travel insurance company with three decades of experience and an A+ rating from the Better Business Bureau.
Seven Corners offers solid plans with great coverage limits at affordable prices.
All six plans from Seven Corners offer trip cancellation, interruption, medical expenses and more.
We recommend the Trip Protection Choice plan for high coverage limits across a range of categories.
Consider optional add-ons like cancel for any reason (CFAR), sports equipment delay, rental car damage, and adventure sports coverage for extra protection.
To find the best plan for your journey, we recommend using an online comparison tool so you can view and compare multiple policies at once.
SUMMARY
Seven Corners is a leading provider of travel insurance in America and has been around since 1993.
Seven corners’ plans are well-known for offering robust coverage at an affordable price.
They offer six plans that cater to different travel needs and requirements such as US travel or International travel, but the Seven Corners Trip Protection Choice plan is the #1 selling insurance plan on our site!
Read on for more info on Seven Corners coverage options, pricing, and to see real customer reviews.
Pros & Cons
Pros
A huge range of available plans
Emergency 24/7 assistance with all plans
Customizable medical coverage
Lots of upgrade options
Cons
Not all states are eligible for the RoundTrip Choice plan
Yes, Seven Corners is a legitimate travel insurance company and is recognized as a top provider in America.
Seven Corners has been in business for over 30 years and is accredited by the Better Business Bureau with rating of A+. In other words, Seven Corners is an extremely reputable company.
This provider offers a multitude of plans and is known for offering robust coverage at affordable prices.
Bottom line: Main highlights of Seven Corners travel insurance
Seven Corners offers robust coverage across the board with a slew of plans to choose from. Really, it’s hard to go wrong.
Several key benefits plans from of Seven Corners:
Large range of insurance plans:
Unlike other providers that have a limited selection of plans, Seven Corners offers 6 types of travel insurance, making it easy to find the appropriate coverage for your trip without overpaying for things you don’t need.
Solid coverage limits:
Plans from seven corners include solid coverage limits that are enough to cover you in most travel scenarios. Unlike other providers who skimp on medical limits, Seven Corners has you covered.
Traveler rewards:
If frequent traveler rewards were used to buy the travel arrangements for your trip, Seven Corners’ insurance will cover the cost charged to re-deposit frequent traveler rewards into your account.
Single-trip and annual insurance plans available:
Most companies only offer single-trip coverage. If you’re planning a second trip during the same year, you have to buy a completely separate policy. Seven Corners offers an annual plan, ensuring you’re covered whenever you travel.
Coverage for Americans and international citizens:
You don’t have to reside in the United States to use this trip insurance. Some plans are available to travelers living in other countries.
Multilingualtravel assistance:
What makes Seven Corners different from other travel insurance companies is that it offers 24/7 multilingual travel assistance. Many companies offer English-only assistance, making it difficult to get answers to your most pressing questions if you aren’t a native-English speaker.
Group travel insurance available:
If you’re traveling with friends or family members, you can buy one plan to cover everyone instead of having each person buy their own coverage.
Here are our top picks for the best Seven Corners plans
Trip Protection Choice provides comprehensive travel insurance in a single policy. The plan covers trip cancellation, trip interruption (up to 150% of trip cost), emergency medical expenses (including coverage for expenses associated with COVID-19), medical evacuation and baggage loss/delays. Trip Protection Choice also covers financial defaults with a 14-day waiting period. This means you may be able to get your money back if a travel supplier defaults on its financial obligations. For example, if you spend $600 on a whale-watching excursion, you may be covered if the tour operator files for bankruptcy protection.
Trip Protection Economy has many of the same benefits as Trip Protection Choice, but it comes with lower coverage limits. For example, Trip Protection Economy only provides trip interruption coverage up to 100% of the cost of your trip, while Trip Protection Choice covers up to 150% of the cost.
Trip Protection Elite gives you expanded coverage for all the little mishaps that can occur before or during a vacation. For example, it covers up to $1 million per person in medical evacuation and repatriation costs. Trip Protection Economy only covers up to $100,000 of evacuation/repatriation expenses.
Trip Protection Basic covers many of the same travel-related expenses as the other plans, but it has different coverage limits. For example, it covers up to 100% of your prepaid, nonrefundable expenses if you experience a trip interruption.
Travel Medical Basic gives you the option of selecting up to $1 million per person in emergency medical coverage (including expenses related to COVID-19). This coverage is secondary, which means you must exhaust your health insurance benefits before Seven Corners will start covering emergency medical costs. It also provides $2,500 in trip interruption protection, but this coverage is only applicable to flight costs associated with returning home due to a covered emergency. Travel Medical Basic even gives you $25,000 in coverage for an unexpected recurrence of a pre-existing condition.
Travel Medical Choice extends the benefits available with Travel Medical Basic. For example, you get $5,000 in trip interruption coverage (return flight only) and $50,000 for the unexpected recurrence of a pre-existing condition. If you come down with COVID-19 or another illness, this plan gives you extra peace of mind.
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Here’s a brief look at how these plans compare:
Coverage type
Trip Protection Economy
Trip Protection Elite
Trip Protection Basic
Trip Protection Choice
Travel Medical Choice incl US
Travel Medical Basic incl US
Emergency medical expenses
$10,000
$250,000
$100,000
$500,000
$50,000
$50,000
Emergency medical evacuation
$100,000
$1,000,000
$250,000
$1,000,000
$500,000
$250,000
Non-medical emergency evacuation
N/A
N/A
N/A
$20,000
$10,000
$10,000
Trip interruption
100% of trip cost
150% of trip cost
100% of trip cost
150% of trip cost
$5,000
$2,500
Trip delay
$250/day $100 maximum
$300/day $1,500 maximum
$200/day $600 maximum
$250/day $2,000 maximum
N/A
N/A
Missed connection
$250
$1,500
$500
$1,500
N/A
N/A
Baggage delay
$100
$600
$500
$500
N/A
N/A
Lost/stolen/damaged personal items
$500
$2,500
$500
$2,500
$500
$250
Sports & Activities
YES
YES
YES
YES
YES
YES
Optional add-ons
In addition to its standard travel insurance offerings, Seven Corners has several add-ons. Each add-on is optional and designed to expand your coverage, giving you even more protection before and during your trip.
CFAR (Cancel for any reason)
Trip cancellation travel insurance only applies in certain situations. For example, it may cover your losses if you have to cancel due to a medical emergency before you travel. Cancel-for-any-reason coverage extends your benefits by allowing you to cancel for any reason at all. For example, if you book a trip to Mexico and then decide to go to the Bahamas instead, you can use your CFAR travel insurance to get back your prepaid, nonrefundable expenses. CFAR insurance from Seven Corners covers up to 75% of your trip cost.
Interruption for any reason
Interruption-for-any-reason travel insurance works like the CFAR add-on, except it’s for trip interruptions instead of trip cancellations. If you get homesick, for example, you can end your trip and use your IFAR coverage to get some of your money back.
Sports equipment delay
If you’re traveling with sports equipment, you may want to purchase the sports equipment delay add-on. This type of insurance covers the cost of renting skis, golf clubs and other sports equipment if you have a baggage delay of at least 6 hours. With this extra insurance, you don’t have to panic if you get to Scotland and discover that your golf clubs are somewhere in New York City. You can rent clubs and start golfing.
Rental car damage protection
Rental car damage protection gives you extra peace of mind if you have to rent a vehicle while you’re traveling. If you don’t have coverage, you may have to pay out of pocket for accident-related repairs. This add-on covers many types of damage, such as scratched paint or bent rims.
Adventure & extreme sports
Standard trip insurance doesn’t cover emergency expenses arising from participation in extreme sports and other risky activities. An adventure sports add-on allows you to expand your emergency medical coverage, ensuring that you’re protected if you love to kayak, go caving, SCUBA diving, or participate in other adventure activities while you’re traveling. If you break your leg, hit your head, or sustain some other injury while participating in such sports, the add-on will cover your medical expenses. For example, if you plan on adding adventure activities to your African safari itinerary this add-on will pay for your medical bills if you get hurt while parachuting or skydiving on an excursion in Botswana.
Pre-existing conditions
Seven Corners covers pre-existing conditions with Trip Protection Choice if you meet the requirements stated in the plan. This includes buying the plan within 20 days of the date of the initial trip payment, being medically able and not disabled from travel when you pay for the plan, and updating the coverage to include the cost of subsequent travel arrangements - within 15 days of paying for them. Also, Travel Medical Basic and Travel Medical Choice provide some coverage for the unexpected recurrence of this type of medical condition.
Things not covered by Seven Corners
Like other travel insurance providers, Seven Corners doesn’t cover the following:
Named storms: Travel insurance covers expenses arising from hurricanes and other storms, but only if they’re not named before you travel.
Routine medical care: Travel insurance is designed to protect you in emergencies. Seven Corners won’t pay for any routine medical care you receive while traveling.
Elective procedures: Travel insurance doesn’t cover the cost of elective procedures, or procedures that you don’t need to preserve your health.
Medical travel: Travel insurance covers emergency medical expenses, but it doesn’t cover medical travel, which means you can’t travel to another country for medical care and use your travel insurance benefits to cover the bill. For example, if you want to have surgery overseas, you can’t use your travel insurance to pay for it.
Self-inflicted injuries: Seven Corners won’t cover the cost of treating self-inflicted injuries. This includes cutting and other forms of self-harm.
Private plane travel: Discerning travelers may use private planes to avoid long security lines and crowded airports. You should know that travel insurance doesn’t cover this type of transportation.
Psychological care: Many travelers have anxiety, depression and other mental health conditions. However, Seven Corners doesn’t cover the cost of therapy and other forms of psychological care.
Intentional acts: Insurance is designed to cover unexpected accidents, so Seven Corners won’t pay bills arising from intentional acts.
Extreme sports: Standard insurance doesn’t cover travelers participating in extreme sports activities. Typically, if you want coverage for adventure activities, you’ll need to purchase the adventure sports add-on.
Cost of Seven Corners travel insurance plans
According to our sales data, visitors to our website have spent an average of $207 on for a 19-day trip.
Several factors influence the cost of travel insurance.
Trip cost: The more you spend on prepaid expenses, the more coverage you need for your trip. Therefore, it costs more to insure an expensive trip than a budget vacation.
Age: Older people tend to have more health problems than younger individuals, increasing the risk that they’ll need emergency medical coverage while traveling. Therefore, older adults pay more for coverage.
Trip length: The longer you’re away, the greater the risk that you’ll have an emergency. Insurance companies account for the increased risk by charging more to cover long trips.
Number of travel companions: It costs more to insure multiple people than it does to insure just one traveler.
To help you plan for your trip, we gathered five price quotes based on the following criteria:
Quote 1: Single traveler, 32 years old, seven-day trip to Italy, total cost of $4,800
Quote 2: Two travelers, 48 and 49 years old, 10-day trip to Canada, total cost of $5,200
Quote 3: Solo traveler, 25 years old, five-day trip to Jamaica, total cost of $2,300
Quote 4: Two travelers, 63 and 64 years old, 12-day trip to Germany, total cost of $6,000
Quote 5: Solo traveler, 57 years old, seven-day trip to Mexico, total cost of $2,800
All quotes are for California residents traveling in September 2024.
Example Quotes for Seven Corners
Quote
Trip Protection Basic
Trip Protection Choice
Quote 1
$146.00
$209.00
Quote 2
$248.00
$368.00
Quote 3
$80.00
$123.00
Quote 4
$346.00
$512.00
Quote 5
$173.00
$256.00
Based on these quotes, the average cost of each plan is:
Trip Protection Basic: $198.60
Trip Protection Choice: $293.60.
It’s important to keep in mind that your own costs won’t be the same as those above. For updated pricing, we recommend you get a quote.
Seven Corners travel insurance reviews from customers
Seven Corners has an overall rating of 4.37 out of five stars on Squaremouth.
More than 82% of reviewers gave the travel insurance provider a four or five-star rating, and only 4% of reviewers left a one-star rating.We sorted through the Seven Corners reviews on Squaremouth to learn more about what customers had to say. You can see the common points that were mentioned below.
What customers like
Satisfied customers rave about the:
Helpful customer service agents
Easy buying process
Reasonable prices
These are some positive comments:
Leonard from New Jersey:“The customer service agent was extremely helpful with finding a policy that would best meet my needs at a reasonable price. Several quotes were emailed to me immediately with policy details. There was no high-pressure sales pitch or urgency to make a purchase.”
Kurt from California:“The woman who helped me secure the travel policy deserves special recognition. I knew virtually nothing about the process or my options and she was incredibly kind and patient in explaining it all to me.”
What customers don’t like
Some customers were unhappy with the:
Limited support available on weekends
Unclear claims process
These are some comments from reviewers who were not so satisfied:
Andrea from Colorado:“All chats and customer service contacts were unavailable for the entire weekend notwithstanding that international destinations are approximately 8 hours ahead.”
S from West Virginia:“Very difficult to make a claim. My son was unwell and needed to see a doctor for antibiotics. The process of filing of claim was very difficult.”
Is Seven Corners travel insurance worth it?
Yes, Seven Corners travel insurance is worth it. The company offers several comprehensive plans, allowing you to tailor your insurance to your specific needs.
Seven Corners insurance is especially helpful for anyone who wants to participate in adventure sports or get extra coverage for rental car damage. Trip Protection Basic and Choice also offer these additional options: cancel for any reason, interruption for any reason, event ticket registration fee protection, and sports & golf equipment rental as well.
Trip Protection Basic and Trip Protection Choice both include coverage for trip cancellation, trip interruption, emergency medical expenses, lost/stolen baggage and emergency medical evacuation costs. The other plans allow you to extend your coverage.
The underwriter varies by plan. Trip Protection Basic, Choice, Economy, and Elite are underwritten by United States Fire Insurance Company. Travel Medical Basic and Choice for U.S. residents are underwritten by Lloyd’s of London. Travel Medical Basic and Choice for worldwide residents other than the U.S. are underwritten by Crum & Forster, SPC.
Is Seven Corners insurance primary?
Seven Corners Travel Medical Basic and Choice, Trip Protection Basic, Economy, and Elite provide secondary coverage, which means it kicks in after you’ve used your primary insurance benefits. For example, if you have emergency medical expenses, you must use your health insurance coverage first. Once your health insurance company processes your claim and pays its portion of the bill, then you can file a claim. Trip Protection Choice has primary coverage for emergency accident and sickness medical expenses and medical evacuation & repatriation of remains.
Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.
In the last 5 years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.
In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.
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