Seven Corners Travel Insurance
Seven Corners offers a range of unique travel insurance plans for U.S. residents, non-U.S. residents and traveling groups. While some of the company’s plans are geared to trips that take place in the United States, others are for international trips or even for frequent travelers who need coverage for multiple travel plans over the course of a year.
Standout features of Seven Corners travel insurance plans include relatively high coverage amounts for emergency medical expenses and medical evacuation as well as optional coverage options for rental cars, sports and golf equipment rentals, and ticket registration fees. For example, the Seven Corners Trip Protection Choice plan for individual trips covers groups of up to 10 travelers and comes with up to $500,000 in primary coverage for emergency medical expenses and up to $1 million in primary coverage for emergency medical evacuation and repatriation of remains. This plan also comes with a waiver for preexisting medical conditions if purchased within 20 days of making an initial trip payment.
Some Seven Corners plans also let travelers buy cancel for any reason (CFAR) coverage that lets them get reimbursement for eligible prepaid travel expenses if they cannot travel for any reason, as well as interruption for any reason (IFAR) coverage that reimburses prepaid expenses when a trip is interrupted for a reason beyond the traveler’s control. Both CFAR and IFAR coverage offered through Seven Corners will reimburse insured trip costs up to 75%, which is higher than some other travel insurance companies offer.
If you’re curious about the coverage Seven Corners has to offer and what the company’s plans might cost, read on for an overview of plans from this provider, travel insurance quotes and recent customer reviews.
Seven Corners Travel Insurance Plans
Seven Corners offers travel insurance for U.S. residents and groups for domestic and international trips. It also offers travel medical insurance for visitors to the USA who are not citizens.
Seven Corners’ Trip Protection Choice plan (above) is its highest-rated plan according to Forbes Advisor’s ratings of the best travel insurance.
Seven Corners’ Trip Protection Basic plan: This travel plan offers $100,000 in emergency medical coverage and $250,000 in medical evacuation coverage. It also includes $600 per person in travel delay coverage and the option to upgrade with “cancel for any reason” and “interruption for any reason” coverage.
Travel Medical Excluding USA Basic and Choice: Seven Corners offers travel medical insurance for international trips up to 364 days. These plans act like short-term health insurance coverage for you while you are on trips outside the U.S. That means they have deductibles and cover routine care, urgent and emergency care, among other types of treatments. You can choose a maximum benefit amount ranging from $50,000 to $5 million if you are age 64 or younger. Travelers ages 65 to 79 can choose $50,000 or $100,000; for those over 80 you get and $10,000.
Travel Medical Including USA Basic and Plus plans from Seven Corners are for non-U.S. visitors to the States. They provide travel medical expense coverage for those here on trips up to 364 days. The Travel Medical Basic and Travel Medical Plus plans offer maximum coverage of $50,000 to $1 million for travelers up to age 69, $50,000 or $100,000 for those age 70 to 79 and $10,000 for travelers age 80 and older. The Plus plan reimburses 90% of the first $10,000 in covered expenses for out-of-network care, compared to 80% for the Basic plan.
Cost of Seven Corners Travel Insurance Plans
Travel benefits vary among Seven Corners’ travel insurance plans and so does pricing for each plan. Travel insurance costs generally vary by your age and trip cost. Here are examples of prices for Seven Corners’ Trip Protection Choice plan.
| Travelers And Trip | Cost Per Trip For The Trip Protection Choice Plan |
|---|---|
| Two travelers age 30, $3,000 trip cost, traveling to Mexico for 8 days | $158 |
| Two travelers age 40, $6,000 trip cost, traveling to Italy for 17 days | $368 |
| Family with two parents age 40 and two children, $15,000 trip cost, traveling to Italy for 17 days | $368 |
| Family with two parents age 40 and two children, $15,000 trip cost, traveling to France for 17 days | $788 |
| Family with two parents age 40 and two children, $15,000 trip cost, traveling to U.K. for 17 days | $788 |
| Two travelers age 65, $6,000 trip cost, traveling to the Italy for 17 days | $788 |
| Two travelers age 70, $3,000 trip cost, traveling to the Mexico for 8 days | $286 |
Does Seven Corners Have 24/7 Travel Assistance?
Seven Corners travel insurance plans come with 24/7 travel assistance. Seven Corners Assist can help with:
- Political evacuations
- Natural disaster evacuations
- A lost passport
- Embassy contact information
- Hotel and flight re-bookings
- Currency rates
- Local weather conditions
- Inoculation information
- Visa information
- Referrals to language interpreters
What’s Not Covered by Seven Corners Travel Insurance?
Every travel insurance plan contains exclusions and it’s a good idea to review the fine print so that you’re aware of what your plan doesn’t cover. Here are some examples of exclusions in the RoundTrip Choice plan:
- Routine physical examinations and routine dental care
- Mental health care
- Physical therapy or occupational therapy
- Experimental or investigative treatment or procedures
- Elective treatment and procedures
- Mental, nervous or psychological condition or disorder unless hospitalized or partially hospitalized
- Suicide or attempted suicide or any intentionally self-inflicted injury
- Air travel on a privately owned airplane whether as a pilot or a passenger
How To File a Claim with Seven Corners
At Seven Corners, you can file a claim by mail, fax, phone or through the Seven Corners mobile app. Be sure you have the supporting documentation you’ll need for completing the claim.
Seven Corners Travel Insurance for Individual Trips
Seven Corners offers several travel insurance plans for different types of trips. For example, travelers can opt for single-trip plans that cover trips within the U.S. and abroad, or they can purchase an annual plan that covers eligible trips that take place over the course of a year.
The charts below highlight the major benefits included with plans from this provider.
| TRIP PROTECTION BASIC | TRIP PROTECTION CHOICE | |
| Trip cancellation | Up to 100% of prepaid travel expenses (up to $30,000 per person) | Up to 100% of prepaid travel expenses (up to $100,000 per person) |
| Trip interruption | Up to 100% of prepaid travel expenses | Up to 150% of prepaid travel expenses |
| Trip delay (at least 6 hours) | Up to $200 per day per person (maximum of $600) | Up to $250 per day per person (maximum of $2,000) |
| Missed tour or cruise connection (at least 3 hours) | Up to $250 per day (maximum of $500) | Up to $250 per day (maximum of $1,500) |
| Preexisting medical condition exclusion waiver | Not included | Included (plan must be purchased within 20 days of initial trip deposit) |
| Emergency medical expenses | Up to $100,000 (secondary coverage) | Up to $500,000 (primary coverage) |
| Emergency dental | Up to $750 | Up to $750 |
| Medical evacuation and repatriation of remains | Up to $250,000 | Up to $1 million (primary coverage) |
| Political or security evacuation | Not included | Up to $20,000 |
| Baggage and personal effects | Up to $500 ($250 per item) | Up to $2,500 ($250 per item) |
| Passport, visa and other travel documents replacement | Not included | Up to $200 |
| Credit card charges and interest | Up to $50 | Up to $50 |
| Baggage delay coverage (at least 6 hours) | Up to $100 per day (maximum of $500) | Up to $100 per day (maximum of $500) |
| Single supplement | Up to 100% of trip cost (maximum of $500) | Up to 100% of trip cost (maximum of $500) |
| Change fee | Up to $75 | Up to $300 |
| Frequent traveler reward | Not included | Up to $500 |
| Pet kennel | Not included | Up to $100 per day (maximum of $500) |
| Accidental death and dismemberment (AD&D) other than common carrier | Not included | Up to $20,000 |
| AD&D common carrier benefit | Not included | Up to $40,000 |
| Optional CFAR coverage | Up to 75% of prepaid trip cost (conditions apply) | Up to 75% of prepaid trip cost (conditions apply) |
| Optional IFAR coverage | Up to 75% of prepaid trip cost (conditions apply) | Up to 75% of prepaid trip cost (conditions apply) |
| Optional rental car coverage | Up to $35,000 | Up to $35,000 |
| Optional event ticket registration fee coverage | Not available | Up to $15,000 |
| Optional sports and golf equipment rental coverage | Up to $2,500 per item (maximum of $5,000) | Up to $2,500 per item (maximum of $5,000) |
| 24/7 travel assistance | Included | Included |
As you can see, Seven Corners offers two main plans to cover trips for individuals, couples, families or groups of up to 10 people. Here’s an overview of the type of traveler each type of plan could work best for:
- Trip Protection Basic: Trip Protection Basic offers some essential coverages for travelers who want the bare minimum protection. For example, trip cancellations and interruptions are covered at 100%, yet coverage for emergency medical expenses is secondary to other insurance. This plan is therefore better for U.S. residents traveling within the United States where their own health insurance coverage would apply.
- Trip Protection Choice: This plan from Seven Corners offers robust coverage limits for emergency medical expenses, emergency medical evacuation, trip cancellations, trip interruptions and more. Also note that this plan lets travelers qualify for a preexisting medical condition exclusion waiver if they buy coverage within 20 days of making an initial deposit on their trip.
Seven Corners Travel Insurance for Multiple Trips
| TRIP PROTECTION ANNUAL MULTI-TRIP | |
| Trip length | Full year of coverage for trips up to 40 days each (30 days for Florida residents) |
| Trip cancellation | Up to $2,500, $5,000, $7,500 or $10,000 |
| Trip interruption | Up to 150% of trip cancellation limit |
| Trip delay (at least 6 hours) | Up to $200 per day (maximum of $2,000 per year) |
| Missed tour or cruise connection (at least 3 hours) | Up to $1,000 per year |
| Emergency medical expenses | Up to $250,000 ($50,000 for New Hampshire residents); $100 deductible applies ($50 for Florida residents) |
| Emergency dental | Up to $750 |
| Medical evacuation and repatriation of remains | Up to $500,000 in primary coverage |
| Baggage and personal effects | Up to $2,000; $100 deductible ($50 for Florida residents) and a $500 limit per item apply |
| Baggage delay coverage (at least 6 hours) | $100 per day (maximum of $1,000) |
| 24/7 travel assistance | Included |
Reviews
Seven Corners is a reputable travel insurance agency that is accredited with the Better Business Bureau (BBB) with an A+ rating. However, its reviews from past users are mixed. For example, user reviews on the BBB website list an average star rating of 1.13 out of 5 stars, and the agency has closed out 175 customer complaints with the BBB in the last three years.
User reviews listed on Trustpilot are better overall considering the company has an average star rating of 4.2 out of 5 stars on the platform. The reviews below reveal a mix of positive and negative experiences of former customers from various platforms.
We filed a claim on this policy
We filed a claim on this policy. The filing was very easy. The company communicated with us immediately about it. The claim was paid in full and quite quickly. Thank you very much for a good customer experience. – Margaret K. via Trustpilot
Wonderful experience from day one
I’ve had called the Seven Corners number of times and from the initial call, they were very professional and pro-active to assist me. Every person I spoke to was able to get access to updated information regarding my case and very helpful. I really appreciate working with this company. – K.H. via Trustpilot
Glad for Cancel for Any Reason Provision
“We were able to use the cancel for any reason provision of our policy after our daughters dog was diagnosed with cancer 3 days before departure. We were thankful we added this on. The claims process is clunky and I feel like Seven Corners makes this process complicated and convoluted on purpose. Like not requesting all the documents needed up front, but asking for documents one at a time week after week in the process and then taking a week to respond back. But we able to get it done.” – Kent via Trustpilot
Policy: RoundTrip
This company chose to interpret my claim as a trip interruption rather than a missed connection, which it clearly was. Even at that, they refused to cover more than one day even though the delay was 28 hours. They put me through several rounds of paperwork which had nothing to do with the claim before they would even pay $150. – Martha via Squaremouth
Seven Corners Roundtrip
I finally after more than five months managed to get most of my money back from a trip canceled in January. I became sick, had to return home and have been jerked around like you wouldn’t believe. Even though I had verification of my claim, they made me repeatedly resend information they already had. The supervisor of [Name Removed] wasn’t cooperative. She was actually rude. I was on the verge of tears many times—couldn’t believe what I had to go through. I am getting the majority of expenses returned through much effort on my part. This company isn’t honest and really puts one through the paces to get any positive action. I will never use them again and neither will any of my friends if I can help it. – Joan S. via InsureMyTrip
How to Access the Seven Corners Network and Find a Provider
The way policyholders locate Seven Corners health care providers differs depending on whether you are inside or outside of the U.S. Follow the instructions below to find the Seven Corners provider nearest you.
We’ve also included the Seven Corners insurance contact number below if you have trouble.
US PPO Network
Look at the insurance ID card you were issued when you bought your policy.
- If your insurance card has the UnitedHealthcare logo, click here.
- If your insurance card shows the PHCS logo, click here.
When you call or visit a healthcare provider in the U.S., it is important for you to say, “My healthcare coverage uses the UnitedHealthcare Network / PHCS Out of Area Network, and I found your name in the directory.”
If you say, “I have Seven Corners’ Insurance” or “I use Seven Corners’ Network,” providers may not recognize these names and your coverage might not be accepted.
Providers Outside the US
Seven Corners’ International Network lists every doctor broken down by country on WellAbroad. You will also find your destination country’s health advisory information, security information, and any other alerts you need to know about.
For each provider listed, you will see their specialty, location, and billing information. If a provider has “Direct Payment,” they will bill Seven Corners directly. If their billing is “Conditional,” you must contact Seven Corners first regarding the potential for direct billing. If listed as “Proposal” or “Referral,” the provider may or may not agree to direct billing.
Areas of Coverage
Certain Seven Corners travel insurance plans offer subscribers the opportunity to choose global coverage that either includes or excludes the USA. Coverage excluding the United States offers cost savings. The plans offering this option are Seven Corners Travel Medical Annual Multi-Trip and Seven Corners Travel Medical Insurance.
Plans Available to U.S. Citizens Only
Seven Corners Trip Protection Basic and Choice, which are the premiere trip protection plans from Seven Corners, are available to U.S. citizens only.
Plans Available to U.S. Citizens and International Citizens
The short-term Seven Corners Travel Medical Plan and the annual Seven Corners Travel Medical Annual Multi-Trip are plans that are available to most people around the globe.
Emergency Cover
Any plan you choose from Seven Corners will include coverage for Emergency Medical Evacuation and Repatriation, Emergency Medical Reunion, Return of Children, Return of Mortal Remains, and Local Burial or Cremation. This coverage applies for most illnesses and injuries, including COVID-19.
Learn more about medical and travel assistance from Seven Corners during life-threatening emergencies and situations that are not life-threatening at the Seven Corners Assist page.
Seven Corners’ Services
Seven Corners goes above and beyond standard travel insurance when it comes to its services. They offer the following:
- A multi-lingual customer service phone line, which is available 24/7/365.
- The WellAbroad portal provides foundational information about your destination, as well as any travel advisories, health alerts or other information that you need to know before your journey.
All clients have immediate access to the WellAbroad global assistance portal. By accessing the portal using your member number and date of birth, customers have the ability to create travel profiles, receive travel alerts, and search for Seven Corners’ contracted doctors and hospitals throughout the world.
How to File a Claim
Seven Corners Insurance makes filing a claim an easy process. Their site offers easy access to the correct forms for your plan, as well as a handy checklist of the documents you will need to provide as part of your claim filing. Supporting documentation you may need includes a copy of your passport, a detailed medical bill, and payment receipts.
Submit all of your documents via the web form, by email to claims@sevencorners.com or by mail to:
Seven Corners, Inc.
Attn: Claims
303 Congressional Boulevard
Carmel, IN 46032 USA
Customer Care Contact Information
Seven Corners provides several ways for subscribers to contact them, including WhatsApp.
- Toll-Free (US Only): 1-800-335-0611
- Worldwide: 1-317-818-2809
- Text: 1-888-655-1402
- WhatsApp: +1-317-430-1140
- Email: customerservice@sevencorners.com
Where Do Seven Corners Insurance Plans Fall Short Compared to Competitors?
Seven Corners is one of the best travel insurance companies in the United States. However, it has its flaws. One of the significant downfalls of Seven Corners is the lack of the 10-day free policy review period. Many travel companies offer their clients ten days to review the terms of the policy. If they are not happy with the terms of the policy, clients can return it for a full refund.
Most Seven Corners policies do not offer this review period. This lack of review period makes it more challenging to return the policy if you are not pleased with the conditions.
The Overall Seven Corners Experience
Overall, Seven Corners stands above the competition in customer service and availability, as well as products. Their customer service representatives are always available and easy to reach.
Customers rate their experiences very positively. Users can quickly settle claims and receive payouts without a problem. The only negative issues reported is their cancellation policy.
Conclusion
Seven Corners Travel Insurance provides a diverse range of travel insurance plans tailored for both U.S. and non-U.S. residents, covering domestic and international trips, as well as offering annual plans for frequent travelers. Standout features include high coverage limits for emergency medical expenses and medical evacuations, and optional add-ons for rental cars, sports equipment, and event ticket fees.