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If you’re planning a trip, especially in the current environment, chances are the topic of purchasing travel insurance crossed your mind. It’s good news that whether you’re looking for a comprehensive travel insurance package policy or 1 that focuses on providing medical insurance coverage during your travels, you’ll find coverage can be easily secured and it can be affordable.
The company we’re reviewing today offers both comprehensive travel insurance package plans and separate plan options that provide stand-alone travel medical coverage. Seven Corners has been offering these plans since 1993 to U.S. citizens traveling abroad, travelers who are visiting the U.S., and other international travelers.
Let’s continue as we look at why you’d want to purchase travel insurance and specifically why you’d want to consider Seven Corners. We’ll also look at the types of policies offered by Seven Corners, how the company compares to other travel insurance companies, and to the coverage that comes with your credit cards.
Join us now for a close-up look at Seven Corners and what it has to offer.
Travel insurance is designed to protect your trip investment from loss and from the additional expenses incurred due to an unexpected event, causing you to cancel your trip or resulting in disruption during your travels.
Here is a sampling of circumstances when travel insurance could provide a significant benefit:
Bottom Line: Any trip that involves a significant investment in non-refundable expenses should be insured, as well as any trip that takes you where you would be without medical coverage.
Many travelers have recently found themselves in a position where they needed to cancel, postpone, or change their travel plans due to COVID-19. While it’s reasonable to expect that travel insurance might cover these cancellations, normally, it does not.
It’s possible your travel insurance policy will cover you for canceling your trip due to getting ill from the virus, or if your trip is disrupted as a result, but many companies are excluding coverage for any COVID-19 related claims.
Additionally, voluntary cancellations due to the fear of getting ill are not a covered reason for trip cancellation on any travel insurance policy.
In order to be covered for COVID-19-related trip cancellation, you must purchase Cancel for Any Reason insurance (CFAR). Note that the coverage can be expensive, it will not cover all of your trip costs, and many companies do not offer the coverage.
If having this coverage is important, you’ll want to select a travel insurance company that offers CFAR insurance and/or offers coverage for trip cancellation, trip interruption, and medical care should you contract the COVID-19 virus.
Bottom Line: Travel insurance does not cover voluntary trip cancellations due to the fear of getting ill. In order to have coverage for voluntary cancellations, you must purchase Cancel for Any Reason insurance. Not all companies sell this CFAR insurance, it does not cover all your trip costs, and it can be expensive.
When you select a travel insurance company, you’ll first want to make sure it’s financially stable and that it has decent customer reviews. Seven Corners checks those boxes with an A+ rating of the company’s underwriters from the insurance financial rating company A.M. Best, and according to global consumer rating company Trustpilot, 81% of its customers view their experience as good or excellent.
Now that we know Seven Corners is a stable and well-respected company, we’ll next want to check out the company’s policy offerings.
We’ll compare coverages and costs shortly, but 2 critical items we’ve covered so far in this article are 1) the importance of a company offering the option to purchase CFAR insurance and 2) that a policy offers coverage for COVID-19.
If either of these items is important to you, have peace of mind knowing that Seven Corners offers both.
Let’s look closer at the types of policies Seven Corners offers.
Bottom Line: Seven Corners has highly rated underwriters, good customer service ratings, and offers both comprehensive travel insurance package plans and medical travel insurance. In addition, the company offers CFAR add-on insurance and coverage for COVID-19 related expenses.
Seven Corners offers both comprehensive trip insurance policies and travel medical insurance plans. You can expect to find a combination of key coverages offered on each policy.
Let’s look at Seven Corners trip insurance policy options.
Whether you’re a U.S. resident or non-U.S. resident traveling internationally, Seven Corners offers a travel insurance package option that will cover you during your travels.
You’ll find a long list of coverage options on these single-trip comprehensive package travel insurance plans including the following:
Optional coverages include car rental insurance, CFAR, cancel for work reasons, lost or damaged ski/golf equipment, and flight accident insurance.
With more focus on medical coverage while traveling and the ability to purchase 1 annual plan for multiple trips, Seven Corners’ Wander policies also provide incidental trip protections such as trip interruption/delay and luggage insurance.
Hot Tip: Cancel for Any Reason insurance can be added to most Seven Corners Roundtrip package policies to cover up to 75% of non-refundable trip expenses.
Liaison travel medical insurance plans can cover up to 10 travelers, focusing on major medical coverages, and also includes incidental trip cancellation, interruption, delay, and baggage coverage.
Liaison Travel Plus and Travel Plus U.S. policies are recommended if you need a travel medical policy that meets Schengen visa insurance requirements.
Explore North America plans focus on providing major medical coverage while visiting the U.S. but also include a $5,000 trip interruption benefit.
The Explore North America Plus plan includes coverage for COVID-19 related expenses.
Bottom Line: Seven Corners offers an expansive collection of comprehensive travel insurance plans and options for stand-alone travel medical insurance coverage. Plans include single trip coverage, annual plans, group coverage, and coverage for students. Whether you’re a U.S. citizen traveling abroad or a foreign national traveling the world, there’s a Seven Corners plan that fits your situation.
Seven Corners provides an easy-to-use website to secure a quote for any of its travel insurance products. Minimal information is needed to receive an immediate quote. The site also provides information that can help educate you on the different types of insurance available.
After submitting your information, you’ll receive an instant quote with the price and list of coverages. Review the coverages, select any desired additional coverage, and the policy is available for immediate purchase.
You’ll find the process of getting a quote and comparing coverages simple and easy to understand. Plus, you’ll be able to secure coverage for your trip immediately.
Bottom Line: Whether you need travel medical insurance or a comprehensive travel insurance policy, Seven Corners’ website makes it easy to secure a quote, review coverages, and purchase a policy with immediate coverage.
Regardless of the type of insurance you wish to purchase, it’s always prudent to compare policy coverages and costs. This is especially true with travel insurance and travel medical plans as coverage is widely available and costs can vary significantly between companies.
That’s where travel insurance comparison sites can add value. You’ll find each site compares scores of highly-rated companies and dozens of policies, making it easy to compare and select the policy that best meets your needs.
Here are a few we recommend.
Bottom Line: Travel comparison websites are valuable resources for comparing travel insurance plans. However, not all sites allow you to search for stand-alone travel medical plans.
Purchasing travel medical insurance for a single trip is not an expensive decision, although costs can be much higher as you get older. In the above example, we searched for a quote for a 1-week $3,000 trip to Mexico for a traveler 40 years of age. All plans include COVID-19 coverage and cost $13 to $20. At 70 years of age, the same policy would cost approximately $50 to $90.
Seven Corners offers both competitive coverage and premium costs on travel medical insurance when compared to several other insurance companies. Your experience will vary based on the type of policy, the coverage selected, the age of the travelers, and the length/cost of the trip.
When we look at comprehensive travel insurance policies, Seven Corners, although competitive, had lower limits on medical coverage within the comprehensive travel insurance plans when compared to most other companies. However, higher limits are available via the Seven Corners website.
Many credit cards come with complimentary travel insurance coverages that can provide a benefit if your trip is canceled/interrupted for covered reasons, your luggage becomes damaged, lost, or delayed, or even if you have an accident with your rental car.
It’s possible this coverage could be sufficient for a simple trip that doesn’t include a significant financial outlay. However, the coverage that comes on your credit card will not take the place of a comprehensive travel insurance policy. Plus, it’s rare to find any level of travel medical insurance on a credit card.
There are just a few additional reasons for considering travel insurance over the coverage that comes with your credit card:
If your trip does not involve a significant investment, you have medical insurance that covers you while traveling outside the country, and you feel comfortable relying on the coverages offered by travel rewards credit cards, here are a few of the best cards to consider:
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.
Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.
One of our favorite overall travel rewards cards, the Chase Sapphire Preferred card offers the following travel insurance benefits:
For more information on the Chase Sapphire Preferred’s travel insurance benefits, you’ll want to read this informative article.
A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.
The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options. Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.
Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!
Examples of travel insurance benefits that come with the Chase Sapphire Reserve card include:
To review all the travel insurance coverages included with the Sapphire Reserve, you can learn more in our expanded article.
Terms Apply / Rates & FeesThis card is undoubtedly the #1 card for luxury travel benefits. From the best lounge access (of any card) to statement credits, to complimentary elite status, you can’t go wrong.
When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.
Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.
Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)
You can expect to find a nice collection of travel insurance benefits on the Amex Platinum. Note that terms apply and enrollment may be required through your American Express account, so don’t miss out on these benefits.
Bottom Line: The travel insurance coverage that comes with your credit card is not a substitute for a travel insurance package policy or medical coverage. Credit card coverage could be sufficient for a trip that does not involve a significant investment or if your health insurance covers you during your travels. For an overview of the best credit cards for travel insurance coverages, check out our article on the topic.
Here is some additional helpful information regarding purchasing a policy from Seven Corners:
Seven Corners is a highly rated, established, and respected travel insurance company that offers a wide variety of travel and medical insurance plans for travelers. It is overall competitive and offers both COVID-19 coverage and Cancel for Any Reason insurance.
The company also excels in providing long-term medical coverage for international travelers.
One caution to note is that, as with all travel insurance companies, many of Seven Corners’ plans do not offer COVID-19 related coverage. If this coverage is important to you, be sure to select a policy that includes it and if desired, add CFAR coverage.
Because there are so many variables when it comes to purchasing travel insurance or travel medical insurance, prices and coverages can vary significantly. Be sure to check several sources to find the right coverage at the right cost.
All information and content provided by Upgraded Points is intended as general information and for educational purposes only and should not be interpreted as medical advice or legal advice. For more information, see our Medical & Legal Disclaimers.
For rates and fees of The Platinum Card® from American Express, click here.
Yes. Seven Corners receives good reviews and its underlying underwriting companies are rated highly by insurance rating company A.M. Best.
The company, unlike many other travel insurance companies, also provides the option to purchase Cancel for Any Reason insurance and coverage for COVID-19 related events that can disrupt your travels.
You can call 800-335-0611 or 317-575-2652 worldwide. You can also initiate and track your claim via the Seven Corners website.
Yes. You will find several medical insurance plans offered by Seven Corners that meet Schengen Visa requirements.
Yes. Several of Seven Corners’ policies offer the option to include coverage for COVID-19 and some include this coverage. You can also cover cancellations of any type by adding CFAR coverage, available on many of Seven Corners’ policies.
Yes. There is coverage for evacuation on Seven Corners travel medical insurance policies. The level of coverage will depend on the policy and the level of coverage chosen.
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Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.
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3 comments
Ms Kia
May 15, 2023
Seven Corners Travel Insurance is a waste of money. I got sick in 2022 and had to cancel my trip with my two kids. I provided several doctors notes per their request and they denied my request. Keep in mind I completed required 10 page document each for me and my kids. Run the other direction away from Seven Corners Travel Insurance… don’t waste your money and time. Share with others…
Christine Krzyszton
May 15, 2023
Hi Ms. Kia. Sorry for your experience. It would be helpful to know the reason the company denied your claim.
Karen Hale
August 28, 2023
I agree with the first comment. Absolutely awful. Seven Corners denied our claim, so I submitted a well researched and thorough appeal because it was not a valid reason to deny the claim. We missed a cruise due to a canceled flight. Most of our party was rebooked the following day, which wouldn’t have mattered since we missed the cruise anyway. I understand they aren’t interested in common sense and logic though, so they denied it because most of us (but not all) were rebooked. The provisions clearly state that the claim will be paid if any travel companion has a complete cessation of travel for 48 hours though, which did happen. They still denied it, so now I have to get an attorney involved and waste many more hours of my life on this.
Why pay hundreds of dollars on travel insurance that doesn’t do what it says it will do? I have only bought travel insurance twice and both times were a complete waste of money. Never again.
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