Seven Corners travel insurance review 2023
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“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
BLUEPRINT
Updated 9:06 a.m. UTC Nov. 13, 2023
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Seven Corners
Pros
- Terrific primary medical coverage and medical evacuation coverage.
- Superior baggage delay and lost baggage coverage.
- Stellar 75% “interruption for any reason” upgrade available.
Cons
- Policy is on the pricier side; consider RoundTrip Basic for significant savings.
- Hurricane and weather delay coverage kicks in after 48 hours, not 12 or even 24.
- Missed connection coverage limited to cruises and tours.
Seven Corners travel insurance plans
Seven Corners offers a variety of travel insurance plans, for leisure trips, business trips, student trips and group trips. It also has options for travelers looking for travel medical insurance and annual travel insurance.
RoundTrip Basic
This basic travel insurance plan includes the following benefits.
- Trip cancellation insurance: Coverage for 100% of your prepaid, nonrefundable trip expenses, up to $30,000.
- Trip interruption insurance: 100% coverage of your nonrefundable insured trip cost.
- Trip delay insurance: $200 per day per person, up to a maximum of $600, after a delay of at least six hours.
- Travel medical insurance: $100,000 per person in secondary medical coverage — this means you’ll have to file a claim with your health insurance first.
- Emergency medical evacuation: $250,000 per person.
With this plan, you also have the option to add rental car coverage, sports and golf equipment coverage, “trip interruption for any reason” (IFAR) coverage and “cancel for any reason” (CFAR) coverage that would cover up to 75% of nonrefundable trip costs.
RoundTrip Choice
Seven Corners’ RoundTrip Choice plan gets 5 stars in our rating of the best “cancel for any reason” travel insurance and 4.5 stars in our rating of the best travel insurance.
This travel insurance plan provides all the benefits of the RoundTrip Basic plan, but with increased coverage limits.
- Trip cancellation insurance: Coverage jumps from a $30,000 per person limit in the basic plan to $100,000 per person with RoundTrip Choice.
- Travel medical insurance: Emergency medical benefits jump from $100,000 per person in secondary coverage to $500,000 per person in primary coverage.
- Emergency medical evacuation: This coverage jumps from $250,000 per person to $1,000,000 per person.
The RoundTrip Choice plan also includes a pre-existing medical condition exclusion waiver (provided conditions are met), accidental death and dismemberment benefits and coverage for pet kennels of $100 per day up to a maximum of $500.
You also have the option to purchase add-on coverage for an increased cost.
- Rental car coverage: Provides up to $35,000 if your rental car is stolen or damaged due to collision, theft, vandalism or natural disaster.
- Sports and golf equipment rental: Provides up to $5,000 to reimburse you for the cost of renting sports or golf equipment if yours is lost, stolen, damaged or delayed by a common carrier for more than six hours.
- “Cancel for any reason” (CFAR) coverage: Reimburses up to 75% of your prepaid, nonrefundable trip cost if you choose to cancel your trip at least two days before your scheduled departure date.
- “Interruption for any reason” (IFAR) coverage: Reimburses up to 75% of your prepaid, nonrefundable trip cost and provides additional transportation expenses if you interrupt a trip at least 48 hours after the scheduled departure date. To get this upgrade, you have to buy it within 20 days of your first trip payment.
Wander Frequent Traveler Plus
Seven Corners travel insurance offers an annual plan for frequent travelers.
This plan provides high limits of medical protection, including:
- Coverage for COVID-19 spanning multiple international trips.
- Travel medical insurance of up to $1,000,000 per person between the ages of 14 days to 64 years old and up to $50,000 for travelers between the ages of 65 to 74 years old.
- Emergency medical evacuation coverage of $1,000,000 per person, to transfer you to the nearest adequate medical facility.
- Coverage for urgent care visits, transportation by local ambulance, telemedicine appointments, dental care and chiropractic care.
While you can travel as much as you like during the 364 days of coverage with this annual plan, any one trip cannot exceed the 30, 45 or 60 day option selected.
Inbound USA Plan
The Inbound USA plan offers medical coverage for non-U.S. citizens and non-U.S. residents traveling to the U.S.
Seven Corners offers two Inbound USA plans that both offer affordable coverage even for longer trips, 24/7 multilingual travel assistance services, a $1,000,000 maximum amount payable for the total period of coverage and up to $150,000 per person per occurrence medical coverage.
The Inbound USA Basic plan and the Inbound USA Choice plan offer the same benefits but with different coverage limits. For example:
- Hospital room and board coverage increases from $1,100 per day in the Inbound USA Basic plan to $2,000 a day with the Inbound USA Choice plan.
- Surgery cost increases from $3,000 in the basic plan to $5,000 in the choice plan.
- Prescription drug coverage increases from $200 per period of coverage with the basic plan to $350 per period of coverage with the choice plan.
Medical Evacuation and Repatriation
This annual medical coverage is designed for any non-U.S. citizen and non-U.S. resident traveling to the United States for full-time educational activities. The plan fulfills the J Visa requirement of having a minimum of $50,000 in emergency medical evacuation coverage and a minimum of $25,000 for repatriation of remains.
Comparing Seven Corners travel insurance policies
What Seven Corners doesn't cover
Seven Corners travel insurance does not cover every single situation that may arise during your travels. Like other travel insurance companies, Seven Corners’s plans contain exclusions, which is why it is always a good idea to review your policy’s fine print.
Here are some examples of exclusions in the RoundTrip Choice plan:
- Air travel on privately owned aircraft.
- Elective treatment and procedures.
- Mental health care.
- Normal pregnancy.
- Routine physical examinations or routine dental care.
- Suicide or attempted suicide or any intentionally self-inflicted injury.
Seven Corners travel insurance rates
The pricing for Seven Corners travel insurance will vary based on your age, destination, the length and cost of your trip, which plan you choose and whether to upgrade to “cancel for any reason” (CFAR) coverage.
Here are some example quotes for Seven Corners’ RoundTrip Choice plan.
Methodology
Our insurance experts reviewed 42 aspects of 53 policies to find the best travel insurance plans. We used data provided by Squaremouth, a travel insurance comparison provider. For companies offering more than one travel insurance plan, we shared information about the highest-scoring plan (or two, in case of a tie).
Some companies may offer plans with additional benefits or lower prices than the plans which scored the highest, so make sure to get travel insurance quotes to see your full range of options.
The factors we scored out of a possible 100 points include the following.
Cost: 30 points. We scored the average cost for each travel insurance policy for a variety of trips and traveler profiles:
- Couple, age 30 for an eight-day trip to Mexico costing $3,000.
- Couple, age 30 for an eight-day trip to Mexico costing $3,000, with CFAR coverage upgrade.
- Couple, age 40, for a 17-day trip to Italy costing $6,000.
- Couple, age 40, for a 17-day trip to Italy costing $6,000, with CFAR coverage upgrade.
- Family of four, for a 17-day trip to Italy costing $15,000.
- Family of four, for a 17-day trip to Italy costing $15,000, with CFAR coverage upgrade.
- Couple, age 65, for a 17-day trip to Italy costing $6,000.
- Couple, age 65, for a 17-day trip to Italy costing $6,000, with CFAR coverage upgrade.
- Couple, age 70, for an eight-day trip to Mexico costing $3,000.
- Couple, age 70, for an eight-day trip to Mexico costing $3,000, with CFAR coverage upgrade.
Medical expenses: 15 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with travel medical expense benefits of $250,000 or more per person were given the highest score of 15 points.
Medical evacuation: 15 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 15 points.
“Cancel for any reason” upgrade: 5 points. We gave travel insurance plans with the option of a “cancel for any reason” upgrade 5 points.
Trip interruption travel insurance: 5 points. We gave 5 points to travel insurance plans that offer trip interruption reimbursement of 150% or more.
Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in at 6 hours or less.
Baggage delay required waiting time: 5 points. We gave 5 points to travel insurance policies with baggage delay benefits that kick in at 12 hours or less.
Pre-existing medical condition exclusion waiver: 5 points. We gave policies that cover pre-existing medical conditions if purchased within a required timeline 5 points.
Non-medical evacuation: 5 points. If a policy provides coverage for non-medical evacuation, such as for political or security reasons, we gave it 5 points.
Cancel for work reasons: 5 points. If a plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
Employment layoff: 5 points. Travel insurance policies that allow you to cancel your trip because of layoff at a company where you have worked for one continuous year were scored 5 points. If a plan requires that you had the job for more than a year to qualify, no points were given.
Yes, Seven Corners offers international travel insurance. You can buy standalone travel medical insurance or a comprehensive travel insurance plan that includes emergency medical and emergency medical evacuation benefits.
Yes, Seven Corners is a good travel insurance company. Its RoundTrip Choice plan gets 5 stars in our rating of the best “cancel for any reason” travel insurance and 4.5 stars in our rating of the best travel insurance.
Yes, Seven Corners travel insurance covers emergency medical evacuations if the facility where you are located cannot provide the level of care necessary for your medical condition.
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.
