Seven Corners Travel Insurance

Our Take: Seven Corners is a strong choice if you want the highest limits for Emergency Medical and Medical Evacuation, and reliable pre-trip support. Its plans are more expensive than many competitors, but the higher cost comes with top-tier benefits.

Pros & Cons of Seven Corners Travel Insurance Plans

Who is Seven Corners?

While Seven Corners is a lesser-known brand among travelers, it’s one of the most popular travel insurance providers on our site with a strong record of customer satisfaction. Founded in 1993, Seven Corners has more than 30 years of experience in travel insurance, including nearly 20 years on our marketplace, where it’s sold over 100,000 policies.

Seven Corners currently ranks among the highest-rated travel insurance providers on our site for customer satisfaction. This is largely driven by a “customer comes first” approach and the high level of support provided by its in-house 24/7 assistance team. It has an A (Excellent) financial strength rating from A.M. Best and an A+ rating with the Better Business Bureau (BBB).

It currently offers 4 policies on our comparison platform, including comprehensive, travel medical, and annual plans. It’s also one of the few providers to offer a cruise-specific travel insurance policy. Its plans generally offer higher-end coverage, with high medical limits and quality customer support.

Who Underwrites Seven Corners Travel Insurance?

Seven Corners travel insurance plans are underwritten by United States Fire Insurance Company and Crum & Forster SPC, highly reputable companies with Superior (A+) AM Best ratings.

Is Seven Corners Travel Insurance Any Good?

Despite being less of a household name, Seven Corners is a reputable provider with a broad range of coverage options and strong benefits for more complex trips. Its plans may be well-suited for seniors and travelers voyaging to remote locations who need high medical limits, while its higher premiums may be less appealing for budget-conscious travelers.

Seven Corners has an excellent customer service rating from more than 4,000 Squaremouth customers, with high marks for service before the trip. It also stands out for the following benefits:

• It offers some of the highest limits on our site for primary Emergency Medical and Medical Evacuation coverage.
• Its Trip Protection Choice plan offers high flexibility for cancellations and interruptions, including Interruption For Any Reason (IFAR), a rare benefit that’s available on only around 15% of comprehensive plans on our site.
• It’s one of few providers that covers Level 4 travel advisories and hurricane watches as cancellation and interruption reasons.
• It offers top-of-the-line baggage protection, including one of the highest limits for Sports Equipment Rental protection at $5,000 total and a high $2,500 limit for Baggage Loss.

The greatest drawback of Seven Corners is its high price. It also rates lower for customer service during and after the trip, with some customers reporting slow claims processing. It’s also important to note that some plans offer secondary rather than primary Emergency Medical coverage, which can mean additional paperwork and longer waiting times for filing a claim.

Seven Corners Reviews from Customers

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How Do I Know Which Seven Corners Plan to Choose for my Trip?

Seven Corners has 4 plans to choose from on Squaremouth. The right plan for you depends on which group you fall into:

• Travelers without pre-existing conditions: Trip Protection Basic is the lowest-tier comprehensive plan, with the lowest limits on Emergency Medical and Medical Evacuation coverage, and no pre-existing condition coverage.
• Seniors with pre-existing conditions and remote travelers: Trip Protection Choice is a premium plan with the highest possible limits on Emergency Medical and Medical Evacuation, and high limits on many other benefits.
• Cruisers: Seven Corners Cruise is one of few cruise insurance plans on our site, with coverage for common cruise disruptions like missed connections, itinerary changes, cruise diversions, and disablements. It’s the best option for cruising, unless you want very high medical limits, in which case Trip Protection Choice may be better.
• Frequent travelers: Travel Medical Annual Multi-Trip excl US is an annual travel insurance plan with very high medical coverages that can cover multiple trips each year for an overall lower cost.

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What Does Seven Corners Travel Insurance Cover?

Depending on the plan, Seven Corners offers coverage for common trip disruptions, including:

• Trip Cancellation and Trip Interruption
• Trip Delay and Missed Connections
• Emergency Medical expenses
• Medical Evacuation and Repatriation
• Baggage protection

Upgrade Options with Seven Corners Travel Insurance

You can add a few upgrades to Seven Corners policies, depending on the plan, including CFAR and IFAR for some plans, and an adjustable medical deductible on its annual plan.

Single-Trip Travel Insurance Plan Upgrades

• Cancel For Any Reason (CFAR): up to 75% for prepaid, non-refundable trip costs
• Interruption For Any Reason (IFAR): up to 75% for prepaid, non-refundable trip costs
• Sports Equipment Delay
• Rental Car Damage

Annual Travel Insurance Plan Upgrades

• Higher or lower medical deductible
• Sports & Activities

How Seven Corners Provides More Flexibility for Trip Disruptions

Seven Corners stands out from most other providers in giving you the utmost flexibility to cancel or interrupt your trip. Its plans include benefits that aren’t commonly available.

IFAR Is a Rare Benefit

Seven Corners offers IFAR on its Choice and Cruise plans, a relatively rare benefit available on only 15% of comprehensive plans on our site. IFAR reimburses your prepaid, non-refundable expenses for reasons not covered under your regular travel insurance policy. Seven Corners also has a shorter waiting period for IFAR than some providers: Coverage kicks in just 48 hours into your trip, versus 72 hours for some plans, which means you can be reimbursed for an interruption just 2 days into your travel.

Broad Coverage for Cancelling Your Trip

Its Trip Protection Choice plan has a very broad list of covered reasons for regular Cancellation and Interruption coverage. It covers level 4 government travel warnings, and hurricane watches at your departure and destination cities, a rare benefit offered by only 5% of plans on our site.

Notable Exclusions for Seven Corners Insurance

Seven Corners has many standard exclusions, like foreseen events and drug and alcohol use. However, there are a few standout exclusions to be aware of before purchasing a plan:

• Pre-existing conditions: The Seven Corners Basic doesn’t have a pre-existing condition waiver. Other providers, including IMG and Travel Insured International, offer waivers on their lowest-tier plans. However, this may not be a deal-breaker if you have a stable pre-existing condition, as the exclusion only applies to conditions that were diagnosed or had changes 60 days before you purchased coverage.
• Adventure and extreme activities: Seven Corners’ comprehensive Trip Protection plans exclude many hazardous activities. While these plans do cover basic activities, like hiking, cycling, and skiing, riskier activities like scuba diving below 10 meters and mountain biking aren’t covered. Before purchasing a plan, you should use the activity filter on our quote form to confirm that your activities are covered.
• Multiple delays in one trip: Its comprehensive plans will only reimburse you for the most expensive delay, up to the maximum benefit amount. Many other providers let you file claims for multiple delays during the same trip.
• Cancellations not reported within 72 hours of a covered event: Travel insurers typically require you to notify your travel supplier as soon as possible, but Seven corners puts a specific time requirement on this.

How Much Is Seven Corners Travel Insurance?

Seven Corners’ travel medical and comprehensive plans rank among the most expensive on our platform. Its medical-only policies average around $48, the 4th most expensive for this coverage type on our platform.

Its cancellation plans come with an even higher premium, averaging just shy of $400 per plan, making Seven Corners our 3rd most expensive provider for comprehensive travel insurance.

For this price, you get access to extensive medical coverage and an award-winning, 24/7 customer support team.

How Does Seven Corners Travel Insurance Compare to Competitors?

Seven Corners’ most popular plan, Trip Protection Choice, is more expensive compared to the top plans from other providers in many cases.

However, it offers higher limits for Emergency Medical and Medical Evacuation than similarly priced plans, so can be a better fit for older travelers with pre-existing conditions and remote destinations with a risk of high-cost evacuations. It also offers very high limits on other benefits, like Baggage Loss and Travel Delay, making it a good choice for luxury trips.

Why Seven Corners Stands Out for Medical Coverage

Seven Corners is a popular choice for medical coverage because it offers some of the highest medical limits on our site.

• Trip Protection Choice has $500,000 Emergency Medical. Only 5 other plans offer this high of limit for primary coverage, and 3 are more expensive than Seven Corners.
• Trip Protection Choice also has a $1 million limit for Medical Evacuation, matching the highest limits from other top plans on our site
• Its Annual plan has $1 million primary Emergency Medical, the highest limit of any plan on our site. Other annual plans only have secondary coverage or a lower limit.

Is Seven Corners Travel Insurance Worth it?

While its plans tend to be more expensive than average, Seven Corners can be worth it if you want very high medical coverage, flexibility to cancel or interrupt your trip, or higher limits for benefits like Baggage Loss and Travel Delay.

Seven Corners may be a good fit for:

• Seniors who need high medical coverage for a pre-existing condition
• People going to very remote destinations who need high Medical Evacuation coverage
• Cruisers looking for coverage for common cruise disruptions like itinerary changes and missed cruise connections
• Frequent travelers seeking an annual travel insurance plan with primary coverage and very high medical limits

However, Seven Corners may not be right for those looking for lower premiums. Consider one of the providers below if you’re looking for the most affordable travel insurance:

Alternatives to Seven Corners