If you’re a frequent traveler, travel insurance is a must. With plenty of insurance plans out there, it is often difficult to choose the best. Is Seven Corners Insurance a good option? Learn more in this Seven Corners Travel Insurance review.
Who doesn’t want to travel the world and indulge in everything that it has to offer? However, not everyone has the patience to deal with the difficult parts of traveling, like getting a travel insurance plan.
Getting a proper insurance plan is crucial before stepping out of your home country. Mainly because your existing insurance plan will not cover your medical needs abroad.
Similarly, travel plans are always subject to change, so you’ll need trip cancellation and delay coverage to balance your finances.
That’s where the Seven Corners Travel Insurance comes in. It’s one of the best travel insurance plans out there, and I’ve rounded up all the details about the platform in this Seven Corners Travel Insurance review. Read along to find out more.
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Seven Corners Travel Insurance Review
In this review, you’ll find everything you need to know about the insurance company and its plans, including how it works and what it provides for you.
In the end, you’ll be able to decide whether Seven Corners is worth your time or not. So let’s get started.
What is Seven Corners Travel Insurance?
Seven Corners is an insurance program with individually designed plans for students, missionaries, and senior citizens. Founded back in 1993, the company has one of the best medical plans and travel expense plans in the industry.
Besides that, Seven Corners is known for its innovative plans in the medical insurance section for travelers. Its plans cover medical complications and treatment costs like no other insurance company.
Similarly, its trip insurance package has carefully curated plans for all kinds of travelers, so you can easily find one that fits your needs.
How Seven Corners Travel Insurance Works?
Seven Corner Travel Insurance works by creating tailor-made solutions for different travelers to deal with travel accidents and mishaps.
For example, a traveler moving across the world as a missionary might have different needs than a business traveler. The company caters to this niche by creating unique packages and insurance options to make your trips safe and smooth.
Additionally, they have exceptional plans for short and long-term trips and customized options for US citizens and recent immigrants.
Does the prospect of choosing a perfect travel insurance plan sound exciting to you? I’ve covered all the necessary details about Seven Corners in this section for you to check out and understand the platform better.
How to Sign Up for Seven Corners Travel Insurance?
If you’ve been through other seven corners travel insurance reviews, you probably know that insurance companies require some documents and personal information when you sign-up.
When you apply for Seven Corners Travel Insurance, you will have to enter your full name and contact details. Along with that, the platform also requires your employment information and your age.
Furthermore, just like other travel insurance plans, the platform will ask for your social security number and passport.
That’s why I recommend you only sign-up for an insurance company that you trust entirely to avoid jeopardizing your sensitive information.
What Does Seven Corners Travel Insurance Offer?
Seven Corners has a list of unique and innovative offers for travelers, which you probably won’t find with any other travel insurance company.
Firstly, the company provides 100% expense reimbursement in case your trip gets canceled or interrupted. This way, you can plan your trip concern-free.
Secondly, Travel Corners covers your medical expenses in case you get sick or face an accident overseas. The amount you receive in this case depends on the nature and treatment costs of your injury or illness.
For example, the company has a fixed $750 coverage for emergency dental treatments.
Thirdly, they give you up to $500 coverage in case of baggage accidents and mishaps. If you lose your baggage, you’ll receive the full $500 limit. However, if it gets delayed and you receive it later, you’ll still get $100 for your trip interruption.
Lastly, their Choice plan and Elite Plan cover aspects like pre-existing medical conditions, non-refundable trip expenses, and total trip costs.
Every insurance company you go for will have their insurance coverage list mentioned on their website. This helps visitors figure out what they’re paying for in the long run.
Seven Corners covers lots of aspects of your foreign trips through their highly comprehensive plans.
First of all, their travel medical plan covers your medical expenses, including pre-existing ailments, sudden illness, and accidents. These are divided into three medical liaison plans, International, Continent, and Majestic.
Second, comes the trip protection plans. If you don’t think you need to worry about your health while traveling, you can go for these plans.
They help protect your trip costs and travel baggage while you’re stepping outside your home country. This way, you can schedule your travels without worrying about cancellation or delay fees.
The Seven Corners company has three trip protection plans, including Roundtrip Economy, RoundTrip Choice, and RoundTrip Elite.
Similarly, the company offers insurance plans for personal security as well. This makes sure you stay safe during your trip and get compensation if you don’t. It protects against a variety of security hazards, including kidnapping, theft, and other travel emergencies.
As we mentioned, Seven Corners has a tailor-made insurance plan for immigrants who aren’t US citizens. Besides that, their student plans will cover your medical and security expenses if you’re studying abroad.
Most importantly, their Adventure Sports package will cover your treatment expenses if you get hurt in the process. So you can experience any sport of your choice without worrying about the repercussions.
Now that you have an insight about what the Seven Corners Travel Insurance will cover for you, it’s time to find out what isn’t included in any of their packages.
Some Pre-Existing Conditions
In the case of pre-existing conditions, the company has highlighted a few ailments covered in their insurance plans.
If you face any illnesses apart from the ones listed, you won’t qualify for their pre-existing conditions waiver.
Another point you should consider in this case is that they only pay for conditions that are likely to flare up suddenly. If an issue is already expected, your insurance plan will not cover its treatment costs when you’re abroad.
Furthermore, the medical issue should be at least 12 months old to qualify as a pre-existing condition. This time limit is called the look-back period. If you want to travel in the US, the look-back period increases to 36 months.
Claims Placed Outside the 90-Day Threshold
If this Seven Corners Travel Insurance review enticed you to get a travel insurance plan for yourself before you plan your trip, you should do it as soon as possible.
That’s because claims filed with less than 90 days of the date of travel are exempted from insurance coverage.
Even if you make your claim today, make sure you plan your vacation after 90 days to become eligible for the plan you choose.
Although Seven Corners has a separate insurance plan for travelers indulging in adventure sports, they exempt certain activities from coverage.
The company covers any accidents or injuries you face while bungee jumping or jet skiing, but not while mountaineering. They don’t state their reasons for exempting certain activities, so you might want to look into the fine print before you sign-up for their adventure sports plan.
Similarly, they won’t cover any of your adventure sports injuries if you don’t buy their special Adventure Sports plan.
Accidents and Security Hazards Caused by Your Misbehavior
If you get injured or face a loss while going against your destination’s government warnings, the company won’t cover your loss.
Similarly, if your home country advises against visiting your destination and you do it anyway, Seven Corners will not cover your trip losses or medical issues.
All the plans from Seven Corners Insurance have different prices according to their level of protection.
Their website provides an extensive description of all price ranges, but I’ve listed down the prices for each plan for a typical US-based family of four.
Seven Corners Medical Plans
The platform has three medical liaison plans. If you’re taking your family on a three-week trip, the Liaison Travel Economy plan will cost you $78.
If you want your protection plan to cover your costs extensively, you can go for the Liaison travel Choice or Liaison travel Elite plan. These will cost you around $85 to $150 respectively.
Basically, these plans come with a $50,000 maximum limit for medical needs, excluding the injuries incurred through hazardous activities.
Trip Insurance Plans
Similarly, if you want a trip insurance plan for your family in case your trip gets canceled or postponed, you’ll have to choose from their RoundTrip plans.
Their RoundTrip Economy plan will cost you $250, while the RoundTrip Choice and RounTrip Elite plans are worth $335 and $415, respectively.
Roughly, these expenses will cover around $25,00 travel expenses for each adult and about $2000 for a child. You might have noticed, but because trip cancellation is more expensive, the medical plans sound more affordable than the trip protection plans.
Frequent Traveler Plans
The frequent traveler plans are the best options for families who travel abroad for vacations or to meet overseas family members. If you think you need this plan, you can choose from two categories, Plan A and Plan B.
If you take Plan A, all your 30-day trips will be covered within one year. Similarly, Plan B will also cover all your trips within a year, but they can last for up to 45 days.
Considering a typical family of four, the pricing for Plan A would be around $300 for a year’s coverage. On the other hand, for Plan B, the pricing would be $350 for a full year.
It’s a good deal considering its validity for a whole year. However, it will only be worth it if the family makes two to three trips before the year ends.
Filing Your Claim
This is perhaps the most crucial aspect of travel insurance. In case you become subject to injuries or trip cancellation, how do you file your claim? The process is easy and straightforward if you have an insurance plan from Seven Corners.
All you need to do is log into your online Seven Corners account using the information on your Seven Corners ID card. Once you log in, you will find a Proof of Loss Form on the portal.
Along with the form, you will need copies of some essential documents such as your passport, the concerned bills, receipts, and any other documents that support your insurance claim.
After gathering all these documents, you can submit your claim on the website. If you can’t upload the application, you can also mail or fax your documents.
Another great feature is that you can rethink and appeal to withdraw your claim if you’re unsure within 30 days. This way, you can carefully consider whether you need the insurance money for that particular incident or not.
Pros of Seven Corners Travel Insurance
Now that you’ve been through all the essential information about the Seven Corners Insurance platform, you must be ready to choose your plan.
Before you finalize your decision, here’s a list of benefits you’ll get by signing up for Seven Corners Insurance.
- You can customize the coverage on your travel medical plans and choose your deductible amount.
- There’s no deductible amount for trip insurance.
- You can go for both single-trip or multiple-trip plans.
- The medical insurance plan also covers pre-existing conditions.
Cons of Seven Corners Travel Insurance
Although the benefits of Seven Corners Insurance seem quite appealing, there are also a few drawbacks.
- Excludes specific destinations from coverage.
- Residents of some US states are exempted from coverage.
- If you buy an annual medical plan for a single trip, it will not include trip cancellation coverage.
- There’s no free coverage for children.
- Pre-existing conditions have a long look-back period.
Seven Corners Travel Insurance Review – Is it Worth it?
At the end of this Seven Corners Travel Insurance review, it all brews down to the ultimate question, is the platform worth it or not?
Well, if you’re looking for good medical coverage, their medical plans are affordable and offer reasonable coverage rates.
Although the medical plans don’t include trip cancellation, you can play safe by going for hotels and airlines that offer refunds. You can fully insure your trip this way.
On the other hand, if you’re looking for trip insurance plans, I would say their plans in this regard are quite expensive. However, you should consider that their trip plans include both trip cancellation prices and medical coverage.
For example, their RoundTrip Choice plan is quite comprehensive and provides good coverage in all aspects, making it worth the high price.
Finally, the most beneficial plan from Seven Corners Insurance has to be their Wander Frequent Traveler Plan. It offers coverage for multiple trips for everyone in your group.
However, you’ll still have to look for refundable hotels and airlines as there is no trip cancellation coverage.
That concludes my Seven Corners Travel Insurance review; I hope it helped everyone in getting the right travel insurance. In a nutshell, traveling is quite expensive and comes with its share of risks and issues.
To make sure you don’t lose your hard-earned savings to an accident or a mishap, and turn your trip into a nightmare, invest in a good insurance plan for yourself.
In the end, the plan you choose depends on your personal needs. If you think the plan offers what you need at an affordable price, you should go for it. Happy globetrotting!
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