Travel Insurance Review

SEVEN CORNERS

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Seven Corners provides a diverse range of insurance options catering to both U.S. residents and Non-U.S. residents. They offer comprehensive plans that combine travel and medical coverage, as well as individual plans focusing solely on travel or medical aspects.

The included coverages encompass a wide array of features, such as trip cancellation, trip interruption, trip delay, emergency medical, AD&D, and coverage for contingencies like Covid-19. To ensure a stress-free trip, Seven Corners offers 24/7 multi-lingual travel and medical assistance.

Their range of plans spans from single trip options to annual plans, providing flexibility to accommodate various travel scenarios. Additionally, a variety of upgrades are available, allowing customers to tailor policies to their specific needs. These upgrades may include options like cancel for any reason, interruption for any reason, car rental damage, and more.

Financial security is a priority, as evidenced by the excellent credit ratings of Seven Corners' underwriters, offering robust support for your insurance needs.

CUSTOMIZABLE

Numerous travel and medical plans, along with various upgrades, enable a personalized insurance package

MEDICAL

Excellent coverage limits for accident and sickness, evacuation, and repatriation

CANCEL FOR ANY REASON & INTERRUPTION FOR ANY REASON

Optional upgrades available for these desirable coverages

PRE-EXISTING CONDITIONS

Included in their Choice plan and annual plans

ASSISTANCE

24/7 multi-lingual travel and medical assistance

TRIP INTERRUPTION

Basic plan coverage of 100% is lower than some competitors

AD&D

Overall coverage is lower than some competitors

COVID-19

Special coverage included to COVID-19 related issues including cancellation, interruption, accident and sickness, and travel delay

POLICY COMPARISONS

SINGLE TRIP PLANS

Highlights	Single Trip Plans
Highlights	Choice	Basic
General
Availability	U.S. residents
Excluded States	MO, NY, PA, WA
Destinations covered	Inside & outside U.S. (see Exclusions)
Maximum trip length	180 days
Free look period	14 days
Pre-existing conditions	Waiver option	-
Trip Protection
Cancellation
Trip cost	100%, $100,000/person	100% $30,000/person
Interruption
Trip cost	150%	100%
Delay
Delay - 6 hrs	$2,000 ($250/day)	$600 ($200/day)
Missed connection - 3 hrs	$1,500 ($250/day)	$500 ($250/day)
Medical Protection
Emergency Medical
Accident and sickness	$500,000	$100,000
Evacuation / repatriation	$1,000,000	$250,000
Transportation of children	$1,000	$1,000
Transportation to join you	$1,000	$1,000
Political / Security Evacuation	$20,000	-
Dental	$750	$750
Baggage / Belongings
Baggage & personal effects	$2,500 ($250/item)	$500 ($250/item)
Passport / documents	$200	-
Credit card charges & interest	$50	$50
Delay - 6 hrs	$500 ($100/day)	$500 ($100/day)
Accidents
AD&D	$20,000	-
AD&D – Common carrier	$40,000	-
COVID-19
Cancellation	Included	Included
Interruption	Included	Included
Accident and sickness	Included	Included
Travel delay	Included	Included
Extension of coverage	Included	Included
Additional Benefits
24/7 medical assistance	Included	Included
24/7 travel assistance	Included	Included
Single supplement	100% trip cost ($500 max)	100% trip cost ($500 max)
Change fee	$300	$75
Frequent traveler reward	$500	-
Pet kennel	$500 ($100/day)	-
Other Optional Upgrades
Cancel for any reason	75% trip cost	75% trip cost
Interruption for any reason	75% trip cost	75% trip cost
Car rental damage	$35,000	$35,000
Event ticket registration fee	$15,000	-
Sports and golf equipment	$5,000 ($2,500 per item)	$5,000 ($2,500 per item)
Underwriter	United States Fire Insurance Company

ANNUAL MULTI-TRIP PLANS

Highlights	Annual Multi-trip Plans
Highlights	Cumulative Annual Per Person Benefits
General
Availability	U.S. residents
Excluded States	MN, NY, WA
Destinations covered	Inside & outside U.S. (see Exclusions)
Number of trips per year	Unlimited
Maximum trip length	40 days (30 FL residents)
Free look period	10 days
Pre-existing conditions	Covered 60 days after policy starts
Trip Protection
Cancellation
Limit choices	$2,500 / $5,000 / $7,500 / $10,000
Interruption
Trip cost	150% of Cancellation Limit
Delay
Delay - 6 hrs	$2,000 ($200/day)
Missed connection - 3 hrs	$1,000
Medical Protection
Emergency Medical
Accident and sickness	$250,000 (NH $50,000)
Evacuation / repatriation	$500,000
Dental	$750
Baggage / Belongings
Baggage & personal effects	$2,000 ($500/item)
Delay	$1,000 ($100/day)
COVID-19
Cancellation	Included
Interruption	Included
Accident and sickness	Included
Travel delay	Included
Additional Benefits
24/7 travel assistance	Included
Underwriter	Spinnaker Insurance Company

CANCELLATION & INTERRUPTION WITH OPTIONAL TRAVEL & MEDICAL UPGRADES

Highlights	Get Away USA Plan
General
Availability	U.S. residents
Excluded States	MO, NY, PA, WA
Age limitation	99 years
Destinations covered	50 United States and Washington D.C.
Distance from primary residence	100 miles minimum
Maximum trip length	90 days
Days 31-90	Additional charge
Free look period	14 days
Trip Protection
Cancellation
Trip cost	100%, max $20,000
Interruption
Trip cost	125%
Optional – Air Travel Bundle
Trip delay - 6 hrs	$300 ($100/day)
Travel inconvenience	$150 per inconvenience
Baggage / personal effects	$500 ($250/item)
Baggage delay - 6 hrs	$250 ($100/day)
Optional – Medical Bundle
Accident and sickness	$50,000
Evacuation / repatriation	$250,000
Dental	$250
Optional – Other Benefits
Cancel for any reason	75% trip cost
Trip interruption for any reason	75% trip cost
Rental car damage	$50,000
AD&D	$20,000
Additional Benefits
24/7 travel assistance	Included
Underwriter	United States Fire Insurance Company

TRAVEL MEDICAL PLANS

Highlights	Travel Medical Plans
Highlights	Choice	Basic
General
Availability	Non-U.S. citizens / Non-U.S. residents
Destinations covered	Worldwide including the USA
Maximum trip length	5-364 days
Covered ages	>14 days old
Refundability	100% before effective date, prorated less $35 thereafter
Plan Options
Medical Maximum Options
14 days to 69 years old	$50k/$100k/$500k/$1,000,000
70 to 79 years old	$50,000 / $100,000
80 years and older	$10,000
Deductible options (you pay)	$0/$100/$250/$500/$1,000/$5,000
Coinsurance – Inside USA
In PPO network	100% to med max	100% to med max
Out of PPO network	90% first $10,000, then 100% to med max	%80 first $10,000, then 100% to med max
Coinsurance – Outside USA	100% to medical maximum
Medical
Emergency Medical
Hospital room/services, outpatient hospital/clinical services, prescription drugs, home health care	URC* to med max	URC to med max
COVID-19 treatment	URC to med max	URC to med max
Emergency room services	URC to med max ($100 copay)	URC to med max ($100 copay)
Physician office visits	URC to med max ($20 copay)	URC to med max ($30 copay)
Urgent care visits	URC to med max ($20 copay)	URC to med max ($30 copay)
Telehealth consultations/care	URC to med max	URC to med max
Physiotherapy / Chiropractic	$50/visit, max 10	-
Local ambulance inside USA	$10,000	$5,000
Local ambulance outside USA	Up to med max	Up to med max
Extend benefits to home country	$10,000	$5,000
Incidental trips to home country	$10,000	$5,000
Pre-existing Conditions
Cardiac Condition and/or Stroke
14 days to 69 years old	$50,000	$25,000
70 to 79 years old	$5,000	$2,500
80 years and older	-	-
Other than Cardiac Condition and/or Stroke
14 days to 69 years old	$75,000	$25,000
70 to 79 years old	$7,500	$2,500
80 years and older	-	-
Terrorist activity	$25,000	$10,000
Dental
Sudden relief of pain	$200	$100
Accident	$500	$250
Emergency Services & Assistance
Evacuation / repatriation	$500,000	$250,000
Medical reunion	$50,000 ($200/day, 10-day limit)	$25,000 ($200/day, 10-day limit)
Bedside visit	$1,000	$1,000
Return of Child(ren)	$50,000	$25,000
Return mortal remains	$50,000	$25,000
Local burial or cremation	$50,000	$25,000
Natural disaster evacuation / repatriation	$25,000	$25,000
Political evacuation and repatriation	$10,000	$10,000
24/7 travel assistance	Included	Included
AD&D
AD&D – 14 days to 18 years old	$5,000	$2,500
AD&D – 19 years old and older	$25,000	$10,000
AD&D – Common Carrier
AD&D – 14 days to 18 years old	$10,000	$5,000
AD&D – 19 years old and older	$50,000	$20,000
Other Travel Benefits
Loss of checked baggage	$500 ($50/item)	$250 ($50/item)
Trip interruption	$5,000	$2,500
Lost / stolen documents	$100	-
Personal liability	$50,000	$25,000
Optional Benefits
Adventure activities	Up to med max
Underwriter	Crum & Forster
*URC, Usual, Reasonable, Customary

ANNUAL MULTI-TRIP MEDICAL PLAN

Highlights	Annual / Multi-Trip Medical Plans
	Choice	Basic
General
Availability	U.S. residents and Non-U.S. residents
Destinations covered	Worldwide – outside your home country (see Exclusions)
Coverage length	364 days
Maximum number of trips	Unlimited
Trip length options	30 / 45 / 60 days
Covered ages	14 days to 75 years
Refundability	Available before coverage begins
Plan Options
Medical Maximum Options
14 days to 64 years old	$1,000,000
65 to 75 years old	$100,000
Deductible options (you pay)	$0 / $250 / $500
Coinsurance – Inside USA	90% first $5,000, then 100% to med max
Coinsurance – Outside USA	100% to medical maximum
Medical
Emergency Medical
Hospital room/services, outpatient hospital/clinical services, prescription drugs, home health care	URC* to medical maximum
COVID-19 treatment	URC to medical maximum
Hospital daily Indemnity Outside USA	$100/day (10 day limit/occurrence)
Urgent care visits	URC to medical maximum
Physiotherapy / Chiropractic	$50/visit, max 10 visits
Local ambulance	Medical maximum
Extend benefits to home country	$5,000
Terrorist activity	$50,000
Pre-existing Conditions (U.S. residents travelling outside USA)
14 days to 64 years old	$20,000
65 to 75 years old	$2,500
Myocardial Infarction and stroke Non-U.S. residents travelling to USA	$3,000 ($200/day)
Dental
Sudden relief of pain	$250 per occurrence
Accident	$500 per occurrence
Vision
Emergency eye examination	$100 per occurrence
Emergency Services & Assistance
Evacuation / repatriation	$1,000,000
Medical reunion	$50,000 ($200/day, 10-day limit)
Bedside visit	$1,000
Return of Child(ren)	$50,000
Return mortal remains	$50,000
Local burial or cremation	$50,000
Natural disaster evacuation / repatriation	$25,000
Political evacuation & repatriation	$10,000
24/7 travel and medical assistance	Included
AD&D
AD&D – 14 days to 18 years old	$5,000
AD&D – 19 to 75 years old	$25,000
AD&D – Common Carrier
AD&D – 14 days to 18 years old	$25,000
AD&D – 19 to 75 years old	$50,000
Other Travel Benefits
Loss of checked baggage	$500 ($50/item)
Baggage delay	$250 per occurrence
Trip interruption	$5,000
Trip delay	$100/day (2 day limit/occurrence)
Lost / stolen documents	$200
Border entry protection for Non-U.S. residents travelling to USA	$550
Personal liability	$25,000
Optional Benefits
Adventure activities	Up to the medical maximum
Underwriter	Certain underwriters at Lloyd’s London
*URC, Usual, Reasonable, Customary

The following is a sample list of exclusions and is subject to change and vary by policy, jurisdiction, and more. Please read the policy carefully before accepting and signing.
- Pre-existing medical condition
- Alcohol or drug related claims
- Routine physical examination
- Routine dental care
- Trip taken against the advice of a physician
- Mental health care
- Physical therapy
- Occupational therapy
- Experimental or investigative treatment or procedures
- Elective treatment or procedures
- Normal pregnancy
- Mental, nervous, or psychological disorder
- Participation in adventure or extreme activities, riding or driving in any races, participation in speed or endurance competition or events, except as a spectator
- Participation in an organized athletic or sporting competition, contest, or stunt
- Suicide, attempted suicide, or intentionally self-inflicted injury
- Criminal activity
- Child born or adopted during trip
- War or act of war
- Participation in civil disorder, riot, or insurrection
- Air travel on a privately owned aircraft
- Piloting or learning to pilot or acting a member of the crew of any aircraft
- Gross negligence
and more
Note:
Travel to the following countries may be excluded: Afghanistan, Antarctica, Belarus, Burkina Faso, Central African Republic, Chad, Crimea, Cuba, Donetsk, Haiti, Iran, Israel, Lebanon, Libya, Luhansk, Mali, Mauritania, Myanmar, Niger, North Korea, Russian Federation. Somalia, South Sudan, Sudan, Syrian Arab Republic, Ukraine, and Venezuela

Coverages and exclusions listed are a sample with potential limitations, subject to change based on jurisdiction, age, and health. Refer to our Terms of Service for the full disclaimer. Information provided is general; it's not professional advice. Verify policy details with the company or seek advice before deciding. We're not liable for any loss or damage. External links don't signify endorsement; users are encouraged to independently research for informed insurance decisions.

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SEVEN CORNERS