Seven Corners Travel Insurance Review: Is it Worth The Cost?

For those looking for travel insurance that includes trip protections and travel medical, Seven Corners is a good option. Less expensive than average, even its cheapest plan allows travelers to purchase Cancel For Any Reason (CFAR), a benefit usually reserved for high-end policies.

Founded in 1993, Seven Corners offers multiple kinds of travel insurance. This includes comprehensive single-trip options, annual insurance and travel medical.

Policies issued by Seven Corners are underwritten by either Crum & Forster or United States Fire Insurance. Both of these companies received an A (excellent) Financial Strength Rating (FSR) from AM Best, which rates insurance companies. This means they’re considered stable companies and are likely to continue paying out policies in the future.

Seven Corners’ travel insurance coverage varies according to which policy you purchase. However, with Seven Corners’ comprehensive plans, you can expect to find Seven Corners travel insurance medical coverage as well as trip protections such as lost luggage and missed connection.

• Seven Corners health insurance coverage: Reimburses you for costs associated with emergency medical care.

• Trip cancellation and trip interruption: Covers nonrefundable, prepaid expenses when your trip is canceled or interrupted for a covered reason. 

• Missed connection: Pays for the costs associated with getting to your destination after a missed tour or cruise connection.

• Baggage insurance: Lost or delayed luggage is covered with reimbursement for replacing your items. 

• Trip delay: Covers reasonable expenses, such as meals and lodging, when your trip has been delayed. 

• Emergency evacuation: Can pay to transport you to the nearest medical facility for emergency treatment during your trip. 

Note that you can select different maximums for your Trip Protection Annual Multi-Trip policy, starting at $2,500 per year and up to $10,000 per year.

Add-on options

Both of Seven Corners’ single-trip policies offer many customization opportunities:

• Cancel For Any Reason (CFAR).

• Interruption For Any Reason (IFAR).

• Rental car insurance.

• Sports and golf equipment rental.

• Event ticket registration fee coverage (only available for Trip Protection Choice). 

Before buying a plan, you’ll want to be aware of any exclusions on your policy. For example, the Trip Protection Basic plan doesn’t cover pre-existing conditions, which could be a dealbreaker.

Other exclusions generally include:

• Known storms (after they’ve been named).

• Participation in sporting events, professional or amateur.

• Dangerous activities, such as adventure sports (unless specifically included). 

• Acts of war. 

• Anything that happens under the influence of drugs or alcohol. 

On a 5-star scale, NerdWallet rated Seven Corners 3 stars.

A sample trip for a 36-year old traveler from Indiana to Canada for 5 days found that the cheapest Seven Corners plan cost $154. If you were to spring for the premium plan, which increases your coverage limits, expect to pay $375.50.

When looking across multiple providers, the same sample trip ranges in cost from $10-$202. Note that price isn't the only differentiating factor. Coverage is not identical across plans; each company offers various levels of scope, limits and exclusions.

How much does Seven Corners travel insurance cost? The cost is going to depend on which plan you purchase. To get a sense of what you can expect to pay, we generated a sample quote. In this scenario, we have a 44-year-old traveler from Arizona heading to South Africa for two weeks, with a total trip cost of $4,000.

Purchasing a Seven Corners travel insurance policy is easy to do online. First, you’ll want to navigate to Seven Corners’ website. From there, you’ll be able to generate a quote. You’ll need to have some information on hand, including:

• Traveler age.

• Country and state of residence.

• Trip cost.

• Where you’re going.

• Departure and return dates.

You can also purchase a policy over the phone at 800-335-0611.

Consider comparison shopping

If you're not 100% sold on purchasing a plan from Seven Corners, you can use a travel insurance aggregator to compare policies across multiple companies at once.

If you’re interested in purchasing a travel insurance policy, you’ll always want to crunch the numbers first. Consider whether you’ll need a plan with higher limits or even a multi-trip option. If not, a less expensive plan may be enough to give you peace of mind.

Yes, Seven Corners offers 24/7 travel assistance via its in-house team. This can help you with a variety of issues that crop up, including a lost passport, needing to have money wired or emergency evacuation.

If you want to file a claim with Seven Corners, you can do so online. The self-service portal allows you to easily submit your claim and claim information.

Otherwise, you can call 800-335-0611.

Is Seven Corners travel insurance good? Seven Corners plans are affordable and offer plenty of opportunities for customization. This means you’ll never need to pay for coverage that you don’t want.

However, you’ll want to double-check any credit cards that you have. Many travel credit cards offer complimentary travel insurance for their cardholders. For it to kick in, you’ll simply need to charge your card for your travel.