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Offering the right coverage is not always the same as paying claims and honoring coverage. In our experience, there’s a lot of ground in between. Finding the carrier for your needs means looking at the whole picture. With nine plans and plenty of add-ons available, Seven Corners may have exactly what you need. 

Business Insider compared Seven Corners to the best travel insurance companies and found it to be a standout offering, with a wide variety of policies for various travel needs with premiums on the lower end.

Seven Corners Travel Insurance Overview

Over 30 years, Seven Corners Travel Insurance, Inc. has provided travelers with a wide array of coverage options. U.S.-based travelers can find an array of options for traveling abroad or domestically.

Non-U.S. citizens can also find options for traveling to the U.S. The carrier also offers supplemental riders to tailor coverage to your precise needs, such as adventure sports coverage. It is also among the best CFAR travel insurance providers.

Additionally, many of its single-trip policies can be extended up to 364 days. It also offers annual multi-trip insurance for international trips, making it on our list of the best international travel insurance for long-term travel.

Seven Corners’ premiums are also generally on the lower side, well within the expected 4% to 8% range, sometimes even below. It’s also relatively affordable for older travelers, who often face high travel insurance premiums.

Compare Seven Corners Travel Insurance

Seven Corners Travel Insurance Pros and Cons

Seven Corners Travel Insurance Pros

• Wide variety of options for various travelers, including policies for mission workers
• Plans extendible for up to 364 days
• Relatively low premiums
• Preexisting medical condition coverage for annual plans after a 60-day waiting period

Seven Corners Travel Insurance Cons

• Preexisting medical condition waiver only offered with premium plans

Seven Corners Travel Insurance Plans and Coverages

As noted above, Seven Corners Travel Insurance offers many travel insurance plans and riders. Each features distinct benefits, inclusions, exclusions, and claim limits, so it’s vital to read the plan documents thoroughly before you finalize your purchase. Here is a summary of its core products:

Seven Corners Trip Protection Basic & Choice

For travelers in 48 states, Seven Corners offers two choices for trip protection: Basic and Choice. Coverage areas remain roughly the same between the two policies, but Choice’s coverage amounts are much higher. The benefits are as follows:

While these are the main benefits of Seven Corners’ travel insurance plans, there are more tertiary benefits, like pet kennel benefits, single supplement benefits, and coverage for possessions subject to special limitations, like high-value jewelry.

In New York and Washington, travelers have access to Trip Protection Economy and Elite. While offering the same benefits, the maximum benefit amounts are generally lower across the board.

Seven Corners Trip Protection Annual Multi-trip

This annual travel insurance plan is for travelers who intend to go on multiple trips, internationally or domestically, within a 365-day period.

• Trip cancellation: $2,500 to $30,000
• Trip interruption: up to 150%
• Trip delay: up to $200 per day and $2,000 per year
• Missed connection: $1,000 per year
• Travel medical expenses: up to $250,000 or $50,000 for New Hampshire residents; $100 deductibles
• Emergency dental expenses: up to $750; no deductible
• Emergency evacuation and repatriation: up to $500,000
• Lost baggage: up to $2,000 with $500 limit per item; $100 deductible
• Baggage delay: up to $100 per day and $1,000 per year for replacing necessities, like toiletries or replacement clothes
• 24/7 travel assistance services

This plan covers preexisting medical conditions after covering has been in effect for 60 days. Waiting periods are waived when a customer renews their annual policy without a gap.

Seven Corners Trip Protection USA

This plan is for international travelers visiting the U.S. Its base plan offers coverage for trip cancellation and interruptions, but you can add onto your coverage with the medical bundle and air travel bundle.

• Trip cancellation: 100% of trip cost up to $20,000 per traveler
• Trip interruption: up to 125% of trip cost
• 24/7 travel assistance services

Optional air travel bundle

• Trip delay over six hours: $100 per day, up to $300
• Travel inconvenience: $150 for missing work or travel diversion
• Baggage and personal effects: $250 per item, up to $500
• Baggage delay over six hours: $100 per day, $250 maximum

Optional medical bundle

• Emergency medical evacuation and repatriation of remains: up to $250,000
• Emergency accident and sickness medical expense: up to $50,000
• Emergency dental expense: up to $250

Seven Corners Travel Medical (Excluding/Including U.S.)

Seven Corners offers standalone travel medical insurance plans for travelers who don’t want other travel insurance coverage. It offers separate policies for travel plans including and excluding the U.S.

Travelers can also choose between the Basic and Choice plans, with additional add-ons. Coverage length can range from five to 364 days. Here are some of the highlights of Seven Corners’ Travel Medical plan.

Seven Corners Travel Medical USA Visitor

This plan is for non-U.S. citizens and non-U.S. residents visiting the U.S., especially those worried about the cost of medical care while traveling. Travelers can choose between the basic and choice plans, the choice plan offering more coverage. The following are highlights of the basic plan: 

• Lifetime plan maximum: $1,000,000

• Medical maximums (per person, per occurrence): 

  • 14 days to 69 years: $50,000; $100,000; $150,000
  • 70-99 years: $50,000; $100,000
• Hospital room and board: $1,100 per day, 30-day maximum
• Hospital ICU: Additional $500, 8-day maximum
• Covid-19 treatment: Same as other illnesses
• Surgery (both inpatient and outpatient: $3,000
• Anesthetist: $500
• Emergency room services: $350
• Prescription drugs: $200 per period of coverage
• Local ambulance: $300

• Acute onset of preexisting conditions:

  • 14 days to 69 years old: up to $50,000
  • 70 to 79 years old: up to $25,000
  • 80+ years old: N/A
• Medical emergency evacuation: $100,000
• Travel assistance services

Seven Corners Travel Medical Annual Multi-trip

Like the Trip Protection annual plan, this policy is for travelers who are planning multiple trips within a year. However, this plan lacks much of the coverage for travel expenses that Trip Protection offers, excluding any travel cancellation insurance.

Here are a few of the highlights of Seven Corner’s Travel Medical Annual Multi-trip insurance:

• Coverage terms: 30 days, 45 days, 60 days

• Medical maximum:

  • 14 days to 64 years old: $1,000,000
  • 65-75 years old: $100,000
• Deductible options: $0, $250, $500
• Coinsurance (within the U.S.): 90% for the first $5,000 then 100% to the medical maximum
• Coinsurance (outside the U.S.): 100% to the medical maximum
• Hospital room and board: URC to the medical maximum
• Covid-19 treatment: URC to the medical maximum
• Urgent care visit: URC to the medical maximum, $15 copay

• Acute onset of preexisting conditions:

  • 14 days to 64 years old: $20,000
  • 65-75 years old: $2,500
• Emergency medical evacuation and repatriation: $1,000,000 separate from medical maximum
• Lost checked baggage: $50 per article, $500 per occurrence
• Baggage delay: $250 per occurrence
• Trip interruption: $5,000
• Optional adventure activities: URC to the medical maximum
• Travel assistance services

Seven Corners Backpacker

This is a basic plan for international travelers, with medical expenses and some travel expense coverage. 

Travel medical expenses

• Medical maximum: $50,000
• Deductible: $0 to $500
• Acute onset of preexisting conditions: $25,000 
• Medical expenses due to terrorist activity: $10,000
• Optional adventure activities: up to medical maximum

Emergency services and assistance

• Emergency medical evacuation and repatriation: $50,000
• Emergency medical reunion: $2,000
• Return of mortal remains or local burial or cremation: $25,000
• Natural disaster evacuation: $10,000
• Political evacuation and repatriation: $10,000

Travel expenses

• Trip interruption: $5,000
• 24/7 travel assistance

Seven Corners Mission and NGO

This plan is for travelers volunteering with a mission or a nonprofit organization. Plans can last as long as 180 days.

Travel Medical Expenses

• Medical maximum: up to $500,000 based on traveler’s age
• Deductible: from $0-$500

• Acute onset of preexisting conditions

  • 14 days to 64 years old: up to $50,000
  • 65-79 years old: up to $10,000
  • 80+ years old: N/A
• Covers up to $25,000 of medical expenses due to terrorism

Emergency Services and Assistance

• Emergency medical evacuation and repatriation: up to $100,000
• Emergency medical reunion: up to $2,000
• Return of mortal remains or local burial or cremation: up to $25,000
• Political evacuation and repatriation: up to $10,000
• Natural disaster evacuation: up to $25,000

Trip expense protection

• Trip interruption: up to $5,000
• Trip delay: $150 per day for up to four days
• Loss of checked baggage: $50 per item, up to $500
• Baggage delay: up to $250
• Travel assistance services

Seven Corners Medical Evacuation and Repatriation

This plan is primarily for non-U.S. citizens studying abroad in the U.S.

• Emergency medical evacuation and repatriation: $50,000
• Return of remains: $50,000
• Local burial or cremation: $50,000)
• Accidental death and dismemberment: $10,000 for the insured, $5,000 for spouse of the insured, $1,000 for child
• Travel assistance services

These benefits must be organized through Seven Corners Assist to be covered.

Additional Coverage Options Offered by Seven Corners Travel Insurance

Seven Corners offers additional coverage options with some of its policies, often called riders. These are situational benefits that aren’t included with the base policy, like sports equipment coverage. Riders are not available with every policy.

• Air Travel Bundle: Trip Delay, Trip Inconvenience, Baggage and Personal Effects, and Baggage Delay
• Medical Bundle: Emergency Medical Evacuation, Repatriation of Remains, and Emergency Accident and Sickness Medical
• Cancel for Any Reason: Covers up to 75% of the nonrefundable insured trip cost
• Trip Interruption for Any Reason: Covers up to 75% of your nonrefundable insured trip cost.
• Rental Car Damage: Covers up to $50,000 in damage to your rental car
• AD&D Other than Common Carrier: Covers up to $20,000
• Sports Equipment Rental: Covers up to $5,000 for renting replacement equipment while traveling
• Event Ticket Protection: Offers up to $15,000 if you cannot attend an event or must leave early

How Much Does Seven Corners Travel Insurance Cost?

Several factors ultimately determine the cost of travel insurance. A few examples include the trip destination, trip duration, trip cost, and age of the travelers. It’s best to think of your insurance cost as a percentage of your overall trip cost.

To better estimate the cost of a travel insurance policy with Seven Corners Travel Insurance, we acquired the following quotes through Seven Corners’ online quote tool.

A 23-year-old from Illinois taking a week-long, $3,000 trip to Italy:

A 30-year-old from California taking a two-week trip to Japan for $4,000:

A Texas family (two 40-year-old parents with a 10-year-old and 4-year-old) taking a two-week trip to Australia for $20,000:

A 65-year-old couple from New York taking a $6,000 trip to Mexico for two weeks:

Travel insurance is generally between 4% to 8% of your trip’s cost. Seven Corners’ quotes show that its premiums are well within this range, especially for its Basic plan.

How to File A Claim with Seven Corners Travel Insurance

If you need to file a claim with Seven Corners Travel Insurance travel insurance, the company makes it easy to get in touch. It provides multiple contact methods, including a text line and WhatsApp number for your convenience. Text lines are supported Mondays through Fridays, from 8 a.m. to 9 p.m.

Here’s how to reach customer service or claims:

• Phone (Domestic): 1-800-335-0611
• Phone (International): 1-317-575-2652
• Text: +1-888-655-1402
• Whatsapp: +1-317-430-1140
• Email: [email protected]

As part of the claims process, you’ll likely be asked to provide supporting documentation for your claim. When you’re ready to submit that documentation, you can do so via its claims submission page or by mailing any paperwork to the following address:

Seven Corners, Inc.

Attn: Claims

PO Box 211760

Eagan, MN 55121

Seven Corners Travel Insurance Customer Reviews and Ratings

Seven Corners travel insurance is reviewed positively among customers, receiving an average of 4.3 stars on Trustpilot and 4.37 stars on SquareMouth. However, Seven Corners has very negative reviews on its Better Business Bureau page, receiving an average of 1.2 stars. Many of these reviewers spoke positively about the buying experience, but reported never having to file claims.

While customers who filed claims also rated Seven Corners positively, some who filed claims complained about slow response and claims processing times. Other reviews were unhappy about their claims payouts or lack thereof, often due to a stipulation in their contract.

It’s worth mentioning that Seven Corners responded to all reviews on Trustpilot and its BBB page within a day.

Seven Corners has an live chat function on its website. We used it several times while researching Seven Corners. Representatives were able to answer our questions within a few minutes of our inquiry.

While customer reviews can shed light on a company’s customer service quality, they should ultimately be taken with a grain of salt. For a more balanced review let’s look at ratings from third-party organizations.

The National Association of Insurance Commissioners’ complaint index rates insurance companies based on how many complaints they receive against its share of the market. A 1.00 means that a company has an expected number of complaints based on its size. A lower score indicates fewer complaints than expected and a higher number indicates more complaints than expected.

Seven Corners policies for U.S. customers are underwritten by HDI Global Specialty SEI, which scored 0.31 on the Company Complaint Index, indicating that it has far fewer complaints than expected.

HDI Global Specialty also has an A+ (Strong) financial strength rating from rating agency Standard & Poor’s.

Seven Corners Travel Insurance Alternatives

See how Seven Corners Travel Insurance stacks up against the competition.

Seven Corners vs. Allianz Travel Insurance

At first glance, Seven Corners Travel Insurance and Allianz Travel Insurance are relatively similar. Both offer multi-tiered, single-trip, and annual travel insurance plans. Both companies also provide supplemental riders for cancel for any reason coverage and rental car damage protection. In an ideal world, customers of both companies would enjoy more control over coverage amounts and claim limits.

However, at this time, Allianz does not offer group policies. So, if you’re planning on traveling with ten or more people, you’ll likely be able to get a better deal with Seven Corners. On the other hand, if you’re especially concerned about claims processing time, Allianz may be the better bet between the two.

Read our Allianz Travel Insurance review.

Seven Corners vs. AIG Travel Insurance

Similarly, Travel Guard is comparable to Seven Corners Travel Insurance. Each provider boasts a comprehensive insurance plan with varying levels of customization. In addition, both providers offer annual and standalone medical travel insurance plans.

Still, there are some differences between the competitors. For its part, Seven Corners offers a plan for non-U.S. residents traveling to the United States. Meanwhile, AIG has a “Pack ‘N Go” plan for last-minute travelers who don’t need trip cancellation coverage. Both companies have ample opportunities to improve claims processing times.

Read our AIG Travel Insurance review.

Seven Corners vs. World Nomads

On the other hand, World Nomads Travel Insurance travel insurance and Seven Corners Travel Insurance have more distinct differences. While Seven Corners has a wide array of travel insurance plans, World Nomads’ selection is more streamlined. To date, it only provides two comprehensive insurance plans, one of which has more inclusions and higher coverage limits than the other.

If you’re looking for something other than comprehensive coverage, Seven Corners might be the way to go. If you’re okay with all-size-fits-one coverage, World Nomads could be a great option, particularly if you plan on doing any adventure activities while on your trip. For many occasional travelers, bundling to cover bases they might not see is appealing. Of note, adventure sports coverage is included in the World Nomads base plan, while it is only available with Seven Corners for an additional fee.

Read our World Nomads Travel Insurance review.

Seven Corners Travel Insurance FAQs

Why You Should Trust Us: How We Reviewed Seven Corners Travel Insurance

To evaluate Seven Corners travel insurance, Business Insider reviewed the following factors.

Coverage amounts: We consider the policies available, what they cover, and how much coverage they offer. We like to see a variety of options available, with a great deal of flexibility to cover as many needs and customers as possible.

Inclusions/Exclusions: We consider common inclusions and exclusions, and how much customers have to pay for certain benefits. For example, many companies offer preexisting condition waivers, but like Seven Corners, reserve them for their more expensive plans.

Cost: We obtain quotes for a variety of travelers, including single travelers, families, couples, and older travelers. We see how the quotes compare to the standard costs of travel insurance, which is between 4% and 8% of your total trip cost. We also pay attention to any savings opportunities travelers can take advantage of, like discounts for children.

Customer service: We consider how a company treats its customers by looking at online customer reviews on sites like Trustpilot, SquareMouth, and the Better Business Bureau. We also look at ratings from third-party organizations like the NAIC and AM Best. We look at any customer service features a company offers, like 24/7 helplines.

Unique features: We look to see if a company has any unique features or benefits.

Read more about Business Insider’s travel insurance ratings methodology.