Seven Corners Travel Insurance Reviews

This is not a good resolution to our claim:

March 18, 2024
William C Thornton
108 Fox Home Lane
Georgetown TX 78633
RE: Insured: William C Thornton
Certificate Number: 1TPC23-AOS-119434
Claim Number(s): 14952832
Date of Loss: February 22, 2024
Type of Loss: Trip Interruption for Any Reason
Dear William C Thornton,
As the claims administrator for United States Fire Insurance Company, we received your claim relating to your Trip Interruption for Any Reason. We have reviewed the facts related to your loss and have responded below.
According to our records, on October 11, 2023, you purchased the Seven Corners Trip Protection Choice, Policy # 1TPC23-AOS-119434, for a scheduled trip February 7 – March 14, 2024.
A claim (Claim #14952832) for trip interruption for any reason was filed with Seven Corners on March 13, 2024. Your policy is a named peril policy which means that benefits are payable when covered unforeseen events listed in your policy occur while your policy is in effect. Your claim was filed as trip interruption for any reason. Your policy does not have this optional benefit. Therefore, trip interruption for any reason benefits would not apply. Additionally, Trip interruption for any reason applies when you interrupt your trip 48 hours or more after your scheduled departure date. Your trip was not interrupted by you but rather the trip was interrupted by the cruise line.
Your claim was also reviewed under the trip interruption benefit. The reason given that the cruise line canceled a portion of your cruise, is not a covered reason under the trip interruption benefit. Therefore, your loss is not covered under the terms and conditions of this travel insurance plan and your claim is ineligible for reimbursement.
The policy language that is pertinent to this matter:
“SECTION IV TRAVEL ARRANGEMENT PROTECTION
TRIP INTERRUPTION
If You must start Your Trip late or are unable to complete Your Trip, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits paid to the Travel Supplier for the Travel Arrangements You purchased for Your Trip plus the Additional Transportation Cost paid to:
a. join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; or
b. rejoin Your Trip from the point where You interrupted Your Trip to the next Scheduled Destination; or
c. transport You to Your originally scheduled Return Destination of Your Trip.
The benefit payable for the above will not exceed the cost of a one-way economy airfare (or first or business class, if the original tickets were first or business class) by the most direct route less any refunds paid or payable for Your unused original tickets. Note that reimbursement of non-refundable Payments or Deposits will be calculated/prorated on a daily basis less the cost of Your original airfare booked by You.
Trip Interruption must occur while coverage is in effect for You due to any of the following covered Unforeseen reasons, as defined:
1. Your, a Family Member’s, or a Traveling Companion’s, or a Business Partner’s death, which occurs while You are on Your Trip.
2. Your, a Family Member’s, or a Traveling Companion’s, or a Business Partner’s Sickness or Injury, that:
a. occurs while You are on Your Trip;
b. is examined and treated by a Physician prior to the time of interruption; and
c. as certified by a Physician, results in medical restrictions so disabling as to prevent Your continued
participation on Your Trip.
Sickness or Injury of Your Business Partner must be so disabling as to reasonably cause You to interrupt Your Trip to assume daily management of the business.
3. You or Your Traveling Companion must interrupt Your Trip due to Other Covered Events as defined, provided such circumstances occur while coverage is in effect.
OPTIONAL TRIP INTERRUPTION FOR ANY REASON
We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited prepaid non-refundable Payments or Deposits paid to the Travel Supplier for the Travel Arrangements You purchased for Your Trip, if You interrupt Your Trip 48 or more hours after the actual Scheduled Departure Date for any reason not otherwise covered by this policy, provided the following conditions are met:
1. You purchase the Interruption for Any Reason Benefit within the Time Sensitive Period.
If the above conditions are met, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the Additional Transportation Cost to either:
a. join Your Trip if You must depart after Your Scheduled Departure Date or travel via alternate travel arrangements; or
b. rejoin Your Trip from the point where You interrupted Your Trip to the next scheduled destination; or
c. transport You to Your originally scheduled return or final destination of Your Trip.
This benefit does not cover penalties associated with Travel Arrangements not provided by the Travel Supplier for this Trip and failure of the Travel Supplier to provide the agreed upon arrangements for Your Trip for any reason.
In no event shall the amount reimbursed for Trip Interruption for Any Reason exceed the lesser of the amount You prepaid for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.
These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.”
Our investigation of these and any other submitted claims does not constitute and should not be construed as a confirmation that coverage applies. Further, our investigation does not constitute and should not be construed as an acceptance of any claims as eligible under the policy. Seven Corners Inc. specifically reserve all rights under the insurance contract represented by the above certificate number. All claims will be evaluated subject to the existence of coverage and in accordance with all conditions, exclusions and limits of the insurance contract. To see what is covered by your plan, please refer to the plan documents that were sent to you at the time of purchase.
This determination has been made in good faith and without prejudice under the terms and conditions of the contract, whether or not specifically mentioned herein. If you have any questions regarding your claim, please contact us.
Respectfully,
Molly Dahmen | Claims Adjuster

I chose Seven Corners because the coverage was what I needed and the claims process is very smooth.

I was told I would be contacted every 15 days regarding the progress of my claim. I have not heard anything. If my claim was denied, why did they sell the insurance to me. I should at least get the money back for my insurance.

I had to change our trip dates - and our insurance - at the last minute and customer service was excellent in making that happen because the deadline for changing fell on a weekend. Highest recommendation.

Seven Corners is a horrible company to deal with they ask for unreasonable documentation in their claims. We forsee a long drug out battle ahead for a reimbursement under $100. It shouldn't be this hard.

Seven Corners has been excellent so far. After I fractured my leg they got me home in a timely manner. I am still dealing with Seven Corners to get reimbursed for my non refundable hotel days that were not used.

No comments

Thanks for the assistance with changing the policy when our trip plans changed

Phone assistance while we were dealing with medical issues in Dominican Republic was EXCELLENT. Truly appreciated their time and patience.

Filing a claim has been less fun. Started online, then paused so collect information and credit card statement. Tried to start claim back up and got partially further, then wouldn't let me advance. Started a chat with rep and their suggestions were no help, so had to delete and start over. Now even though I've submitted a claim and am getting template emails from you about it, it is not showing in my account. There is a claim that can be Resumed (which I assume is the one that was deleted) but the completed claim isn't showing.