Seven Corners Travel Insurance Review 2023 (2023)

Seven Corners offers travel insurance for U.S. residents for domestic and international trips. It also offers travel medical insurance, student travel insurance, annual travel insurance and group travel insurance.

Seven Corners’ RoundTrip Choice plan (above) is its highest-rated plan according to Forbes Advisor’s ratings of the best travel insurance.

Seven Corners’ RoundTrip Basic plan: This travel plan includes coverage for canceling the trip due to Covid-19 and emergency medical coverage for Covid-19. The plan offers $100,000 in medical coverage with secondary coverage, which means any other health insurance that you have would pay first for your medical issues. Medical evacuation coverage is $250,000 per person.

Liaison Travel Medical plan: This plan provides medical coverage if you’re specifically traveling outside the U.S., with optional Covid-19 coverage if you choose Liaison Plus.

Liaison Student plan: This travel plan provides specialized health insurance for students and faculty who are abroad. It meets the insurance requirements of most visas. There is optional Covid-19 coverage with Liaison Student Plus.

Wander Frequent Traveler Plus plan: This annual travel plan can cover multiple international trips during the year and includes coverage for Covid-19.

Explore North America Plus plan: This comprehensive medical benefit coverage is for non-U.S. citizens and non-U.S. residents traveling to the U.S. It includes coverage for Covid-19.

Inbound USA plan: This plan offers medical coverage for non-U.S. citizens and non-U.S. residents traveling to the U.S.

Seven Corners offers optional travel benefits such as “cancel for any reason” coverage (CFAR). This upgrade allows you to cancel the trip for a reason not listed in the base policy. Reimbursement is 75% under a CFAR claim with a Seven Corners policy.

Optional rental car damage up to $35,000 is available, as is coverage for sports and golf equipment rental, up to $2,500 per item and a maximum of $5,000.

Travel benefits vary among Seven Corners’ travel insurance plans and so does pricing for each plan. Travel insurance costs generally vary by your age and trip cost. Here are examples of prices for Seven Corners’ RoundTrip Choice plan.

Seven Corners travel insurance plans come with 24/7 travel assistance. Seven Corners Assist can help with:

• Political evacuations
• Natural disaster evacuations
• A lost passport
• Embassy contact information
• Hotel and flight re-bookings
• Currency rates
• Local weather conditions
• Inoculation information
• Visa information
• Referrals to language interpreters

Every travel insurance plan contains exclusions and it’s a good idea to review the fine print so that you’re aware of what your plan doesn’t cover. Here are some examples of exclusions in the RoundTrip Choice plan:

• Routine physical examinations and routine dental care
• Mental health care
• Physical therapy or occupational therapy
• Experimental or investigative treatment or procedures
• Elective treatment and procedures
• Mental, nervous or psychological condition or disorder unless hospitalized or partially hospitalized
• Suicide or attempted suicide or any intentionally self-inflicted injury
• Air travel on a privately owned airplane whether as a pilot or a passenger

Forbes Advisor scored 53 policies to find the best travel insurance plans using data provided by Squaremouth, a travel insurance comparison provider. When companies had more than one travel insurance plan we used the highest-scoring plan. Some companies may have plans with richer benefits and/or lower prices than their top-scoring plans, so make sure to get travel insurance quotes to see your full range of choices. The benefits scored were:

Cost (25% of score): We scored the average cost for each travel insurance policy for trips to the popular destinations of Italy and Mexico for common traveler profiles:

• Couple, age 30 for Mexico trip costing $3,000
• Couple, age 40, for Italy trip costing $6,000
• Family of four for Italy trip costing $15,000
• Couple, age 65, for Italy trip costing $6,000
• Couple, age 70, for Mexico trip costing $3,000

Covid-related medical coverage (10% of score): Travel insurance policies were awarded points if they include coverage for Covid-related medical expenses.

Medical expenses (10% of score): Travel medical insurance was evaluated by coverage amount. Travel insurance policies with travel medical expense benefits of $250,000 and up per person were given the highest points.

Medical evacuation (10% of score): Emergency medical evacuation/transportation coverage was evaluated by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 and up per person were given the highest points.

“Cancel for any reason” upgrade (10%): Travel insurance policies received points if “cancel for any reason” upgrades were offered. More points were awarded for “cancel for any reason” upgrades with reimbursement levels of 75%.

Baggage delay required waiting time (5%): Policies with baggage delay benefits kicking in at 12 hours or less were given points.

Baggage reimbursement benefits (5%): Travel insurance plans with baggage reimbursement benefits of $2,000 per person and higher were awarded points.

Hurricane and weather (5%): Plans received points If the required waiting period for hurricane and weather coverage was 12 hours or less.

“Interruption for any reason” upgrade (5%): Policies were awarded points if they offered an “interruption for any reason” upgrade.

Pre-existing medical condition exclusion waiver (5%): Points were given to policies that cover pre-existing medical conditions if purchased within a required timeline.

Travel delay required waiting time (5%): Policies with travel delay benefits kicking in after six hours or less were given points.

Trip interruption travel insurance (5%): Points were given if trip interruption reimbursement was 150% or higher.