Introduction: Seven Corners Travel Insurance offers a wide variety of travel insurance plans that cater to the diverse needs of travelers. With customizable options, substantial coverage limits, and 24/7 emergency assistance in multiple languages, it’s a solid choice for international travelers looking for affordable insurance solutions.
Ratings and Recommendations
Based on our review, Seven Corners earned a strong score of 4.5 out of 5 stars. This high rating is attributed to its extensive range of plans, customizable policies, valuable add-ons, and competitive pricing. We recommend Seven Corners as a suitable option for those traveling internationally.
Coverage Options
Seven Corners provides several insurance products, including:
- Trip Protection Plans:
- Basic Plan: Covers essential trip cancellations and interruptions, offering up to 100% reimbursement for non-refundable expenses.
- Choice Plan: Ideal for travelers seeking enhanced benefits, this plan includes up to $500,000 in medical expense coverage and $1,000,000 for medical evacuations. Coverage for pre-existing medical conditions is available under specific requirements.
- Travel Medical Insurance: This plan is designed for travelers seeking medical coverage while abroad, offering up to $5 million in emergency medical insurance regardless of the destination.
- Annual Multi-Trip Plans: Perfect for frequent travelers, this plan covers multiple trips throughout the year with medical and emergency evacuation benefits.
- Travel Medical USA Visitor Plan: Tailored for non-U.S. residents traveling to the U.S., this plan primarily covers medical expenses and assists with navigating the U.S. healthcare system.
Key Features of the Basic Trip Protection Plan
- Trip Cancellation: Reimburses up to 100% of your non-refundable travel expenses.
- Trip Interruption: Covers up to 100% of your trip costs if you need to cut your trip short.
- Trip Delay: Provides $200 per day for delays over six hours, up to a total of $600.
- Emergency Medical and Dental: Covers up to $100,000 in medical expenses and $750 for dental care.
- Emergency Evacuation: Includes up to $250,000 for medical evacuations.
- Baggage Coverage: Offers up to $500 for lost, stolen, or damaged baggage.
- Baggage Delay: Provides $100 for necessities if your baggage is delayed.
All plans include 24/7 emergency assistance, ensuring help is available at any time.
Seven Corners Travel Insurance Pros and Cons
Pros:
- Extensive range of policy options.
- 24/7 emergency assistance included in all plans.
- Additional coverage options for credit card points and pet expenses.
Cons:
- Trip interruption coverage is only 100% on Basic plans.
- No add-ons for jewelry, electronics, or business equipment.
Cost of Plans
On average, a travel insurance plan from Seven Corners costs about $206. However, prices may vary based on age, trip cost, destination, and duration. For example, quotes for a 30-year-old couple planning a week-long trip to Mexico indicated costs of $160 for the Basic Trip Protection plan and $246 for the Choice plan.
Customer Reviews
Seven Corners holds an A+ rating from the Better Business Bureau (BBB). Customer reviews present a mixed picture. Many users appreciate the prompt and knowledgeable assistance from customer service, while others express frustration over delays in reimbursement and claims processing.
Claims Process
Filing a claim with Seven Corners is a straightforward process:
- Gather Documentation: Collect necessary documents, such as medical bills and receipts.
- Access the Website: Submit your claim online by logging into your account, or use mail or fax.
- Complete the Claim Form: Fill out the necessary information and attach supporting documents.
- Submit Your Claim: Once completed, submit the form and await a response.
- Follow Up: After submission, a licensed claims advisor will review your claim and contact you if more information is needed.
Comparison with Other Providers
Although Seven Corners provides various options to suit different travel needs, comparing its offerings with other providers can help you find the best fit. Below is a comparison of average plan costs with competitors:
| Company | Average Plan Cost | CFAR Coverage | COVID-19 Coverage | BBB Rating |
|---|---|---|---|---|
| Seven Corners Travel Insurance | $206 | Yes, up to 75% | Yes | A+ |
| Faye | $298 | Yes, up to 75% | Yes | Not Rated |
| Travelex | $242 | Yes, up to 75% | Yes | A+ |
| Nationwide Travel Insurance | $182 | Yes, up to 75% | Yes, limited | A+ |
| Generali Global Assistance | $228 | Yes, up to 60% | Yes | A+ |
Exclusions
Seven Corners has several exclusions, including:
- Incidents resulting from self-inflicted harm or substance abuse.
- Use of non-commercial aircraft.
- Routine dental treatments.
- Participation in high-risk activities (e.g., skydiving).
- Events related to natural disasters or war.
Always review your specific plan details for the most accurate information.
Conclusion
If you’re seeking travel insurance for your upcoming trip, Seven Corners is worth considering. Their plans offer extensive coverage options, valuable add-ons, and affordability compared to many competitors. However, it’s advisable to obtain quotes from multiple providers to ensure you select the best policy for your specific needs.
Other Providers to Consider
- AIG Travel Guard Review
- Allianz Travel Insurance Review
- Generali Global Assistance Travel Insurance Review
- Nationwide Travel Insurance Review