Seven Corners Travel Insurance: Quick Overview
Overall, we rated Seven Corners Travel insurance 6.8 out of 10, which means it offers an acceptable service without major concerns. However, it didn’t score high enough to secure a spot on our list of the best travel insurance companies. That doesn’t mean it might not be right for you. Read more to learn about what Seven Corners Travel Insurance has to offer.
Key Strengths
- Affordable pricing compared to competitors, with comprehensive coverage options starting at competitive rates
- Strong financial backing with A-rated underwriters (United States Fire Insurance Company and Lloyd’s of London)
- Cancel For Any Reason (CFAR) coverage is available even on budget plans, which is unusual in the industry.
Key Weaknesses
- Claims processing can be frustratingly slow, with some customers reporting delays of 2-4 months.
- Pre-existing condition coverage requires a longer-than-average 20-day window from the initial trip deposit
- No 10-day free look period on most policies, making it harder to change your mind
Who is Seven Corners Travel Insurance Best For?
Budget-conscious travelers who need solid medical coverage and emergency evacuation benefits for international trips, particularly those who don’t anticipate filing claims and value upfront cost savings over claims speed.
Seven Corners Travel Insurance
Seven Corners Travel Insurance is a strong consideration for budget-conscious travelers who prioritize robust coverage where it matters most: emergency medical and evacuation. The company consistently ranks in the lower to mid-range on pricing, often beating competitors while maintaining high limits. Their policies are backed by A-rated underwriters, United States Fire Insurance Company and Lloyd's of London, providing excellent financial assurance that claims will be paid. For travelers heading to remote or developing areas, the generous emergency medical evacuation coverage of up to $1 million offers critical peace of mind for a competitive price.
What truly sets Seven Corners apart are its unique and flexible coverage options. Notably, it offers Cancel For Any Reason (CFAR) coverage as an add-on even on its more budget-friendly plans, which is rare in the industry and provides flexibility for risk-averse travelers. Furthermore, unlike many competitors who focus solely on U.S. residents traveling abroad, Seven Corners provides robust visitor insurance options for non-U.S. residents coming to America, making them a more inclusive choice for international customers. Frequent travelers can also benefit from their Annual Multi-Trip plans, which cover unlimited trips up to 40 days each per year, offering substantial long-term savings.
In conclusion, Seven Corners is best suited for young, healthy international travelers who value upfront cost savings and comprehensive coverage for catastrophic events, primarily medical emergencies and evacuations, and who do not anticipate frequent or complex claims. If you are looking for solid protection and are willing to trade the cost savings for the risk of potentially slow claims processing, which is consistently cited as the company’s biggest weakness, then Seven Corners offers genuinely good value from a pure coverage-to-cost perspective.
- Competitive pricing that often beats major competitors while maintaining solid coverage limits
- Strong financial backing through A-rated underwriters provides confidence in claim-paying ability.
- High medical and evacuation coverage limits (up to $1 million) offer excellent protection for international travel.
- CFAR coverage is available even on budget plans, which is rare in the industry
- Options for non-U.S. residents and citizens, making them more accessible than many competitors
Seven Corners Travel Insurance Company Overview
Seven Corners was founded back in 1993 in Carmel, Indiana, by Jim Krampen and Justin Tysdal. These guys identified a gap in the market where international insurance desperately needed better customer service. The company started with a single travel insurance product and has grown to serve hundreds of thousands of members worldwide each year.
What makes Seven Corners different is that they’re a managing general underwriter, which basically means they handle everything in-house. They design the plans, set the pricing, process your payments, and handle claims. They don’t outsource these services to third parties, which can be a positive and a negative depending on your perspective.
The company is privately held and operates from its strategic headquarters near Indianapolis. Seven Corners currently employs over 200 people and has been in the business for more than 30 years, giving them plenty of experience navigating the complexities of international travel insurance.
Seven Corners is available throughout all 50 states and offers coverage for both U.S. residents traveling abroad and non-U.S. residents visiting the United States. They also work with various U.S. government agencies, foreign governments, and corporations, which speaks to their credibility in the industry.
Seven Corners Travel Insurance Financial Strength
Seven Corners itself doesn’t carry the insurance risk. Instead, their policies are underwritten by two major players with solid reputations in the insurance world. The United States Fire Insurance Company (part of the Crum & Forster insurance group) and Lloyd’s of London both carry A (Excellent) Financial Strength Ratings from AM Best, the leading insurance rating agency.
For context, an A rating from AM Best means these companies have excellent financial stability and are highly likely to continue paying claims. This is important because you need to know your insurer will actually be around when you need to file that claim for a medical emergency in Bangkok or a cancelled flight to Barcelona.
The company has been operating continuously since 1993, which demonstrates staying power in a competitive market. They’ve weathered various economic downturns and global events, including the COVID-19 pandemic, and continue to operate and pay out claims. While Seven Corners doesn’t publicly publish specific claims-paying statistics, the fact that it’s backed by A-rated underwriters provides solid assurance.
The financial size category isn’t publicly disclosed for Seven Corners specifically. Still, given their underwriters’ ratings and the company’s longevity, you can be confident they’ll handle claims appropriately.
Seven Corners Travel Insurance Coverage Options
Seven Corners offers a diverse range of plans that can work for different types of travelers. Here’s what’s available:
Trip Protection Plans (for U.S. residents): These come in two main tiers: Trip Protection Basic and Trip Protection Choice (in some states, like New York and Washington, they’re called Economy and Elite). These comprehensive plans include trip cancellation and interruption coverage, medical coverage, emergency evacuation, baggage protection, and travel delay benefits. The Basic plan covers trips up to a specific cost limit with more modest coverage amounts, while the Choice plan offers higher limits across the board.
Annual Multi-Trip Plans: If you travel multiple times per year, Seven Corners offers annual coverage that can save you money and hassle. The Trip Protection Annual Multi-Trip plan covers unlimited trips up to 40 days each (30 days for Florida residents) within a year. This includes trip cancellation coverage ranging from $2,500 to $30,000, depending on which level you choose, plus up to $1 million in medical coverage for most travelers.
Travel Medical Plans: Designed for people who need medical coverage while traveling but don’t require trip cancellation benefits. The Liaison series provides comprehensive medical coverage with customizable limits and deductibles. This is particularly popular with digital nomads, expats, and people on extended trips.
Visitor Insurance: Seven Corners offers specialized plans for non-U.S. residents visiting the U.S. that are unique. The Travel Medical USA Visitor plan provides medical coverage for accidents and illnesses that occur during a visit to the United States.
Coverage Details
Trip Cancellation and Interruption: Covers you if you need to cancel before your trip or cut it short for covered reasons. These include illness, injury, death of a family member, natural disasters, terrorism at your destination, jury duty, and more. Coverage limits range from $10,000 on the Basic plan up to $30,000 on higher-tier plans.
Medical Coverage: Emergency medical coverage ranges from $10,000 on basic plans up to $1 million on comprehensive plans. This covers doctor visits, hospital stays, emergency dental work (usually up to a specified limit), and prescription medications resulting from accidents or illnesses during your trip.
Emergency Evacuation and Repatriation: This is where Seven Corners really shines. Emergency medical evacuation coverage up to $1 million can get extremely expensive if you need to be airlifted from a remote location or transported across borders for appropriate medical care.
Baggage Loss and Delay: Coverage ranges from $500 on basic plans to $2,500 on premium plans for lost, stolen, or damaged baggage. Baggage delay coverage (usually 12-24 hours, depending on the plan) reimburses you for essential items you need to purchase.
Travel Delay: If your trip is delayed for a covered reason (usually 6-12 hours, depending on your plan), you’ll be reimbursed for reasonable expenses such as meals and accommodations.
Cancel For Any Reason (CFAR): Here’s where Seven Corners stands out. Unlike many competitors, they offer CFAR coverage as an add-on even on their cheaper plans. This covers up to 75% of your total trip cost if you cancel for literally any reason not otherwise covered. The catch is you need to purchase this within a specific timeframe (typically 10-20 days) of making your initial trip deposit, and you must cancel at least 48 hours before your departure.
Pre-Existing Condition Coverage: Available on the Choice plan if purchased within 20 days of your initial trip deposit. The lookback period is 60 days, which is better than some competitors’ 100+ day lookback periods. However, the 20-day window is longer than that offered by many other insurers, which is 10-14 days.
Adventure Sports Coverage: Seven Corners doesn’t include coverage for extreme or hazardous activities in its standard plans. They direct customers to partner with companies like Dogtag for adventure coverage, which can be inconvenient if you’re planning activities like skydiving, bungee jumping, or backcountry skiing.
Notable Exclusions
Like all travel insurance, there are essential exclusions you need to know about:
- Known storms or weather events (after they’ve been officially named)
- Acts of war or participation in riots
- Professional or amateur sporting events you’re participating in
- Injuries or illnesses occurring while under the influence of drugs or alcohol
- Most pre-existing conditions, unless you purchase coverage within the specified time window
- Adventure sports and hazardous activities are not specifically covered through add-ons
Seven Corners Travel Insurance Affordability
Seven Corners positions itself as an affordable option in the travel insurance market, and, based on comparison shopping, it generally delivers on that promise. Here’s what actual pricing looks like:
For a 36-year-old traveler from Indiana taking a 5-day trip to Canada with no trip cancellation coverage needed, Seven Corners plans start around $154 for the basic plan. If you want the premium plan with higher coverage limits, you’re looking at around $375.
For a 44-year-old from Arizona heading to South Africa for 2 weeks with a $4,000 trip cost, comprehensive coverage is competitively priced compared to other major insurers. A week-long $3,000 trip to Mexico for a 40-year-old costs between $13 and $20 for basic plans, while the same coverage for a 70-year-old jumps to approximately $50 to $90, reflecting the increased medical risk.
Compared to competitors, Seven Corners consistently ranks in the lower to mid-range on pricing. They’re typically cheaper than premium options like Allianz or Travel Guard but comparable to other budget-friendly options like Tin Leg or Generali. The value proposition improves significantly when you factor in their high medical and evacuation coverage limits, which often exceed those of competitors at similar price points.
The annual multi-trip plan starts around $375 for $2,500 in trip cancellation coverage with the ability to take multiple trips (up to 40 days each) throughout the year. For frequent travelers, this can represent substantial savings over buying individual policies for each trip.
One area where costs can add up quickly is with add-ons. While CFAR coverage is available on budget plans (which is genuinely excellent), adding it along with other upgrades like rental car damage coverage, sports equipment rental coverage, and event ticket protection can increase your premium by 40-50%. You’ll carefully consider which add-ons you actually need.
Discounts: Seven Corners doesn’t heavily advertise discounts as some competitors do. There aren’t family discounts or group rates prominently featured, which could be a missed opportunity for them.
Price Transparency: The online quote system is straightforward and shows you precisely what you’ll pay. There aren’t hidden fees lurking in the checkout process, which is refreshing. You can see coverage limits clearly before purchasing.
Seven Corners Travel Insurance Customer Service
Seven Corners provides 24/7 multilingual urgent travel assistance through its in-house team, Seven Corners Assist. This is genuinely useful if you find yourself dealing with a medical issue in a destination where you don’t speak the local language. The emergency hotline is staffed around the clock, which is non-negotiable for travel insurance.
For non-emergency inquiries, customer service is available Monday through Friday from 8 a.m. to 9 p.m. EST. They offer support in multiple languages, which is helpful for international travelers.
Average wait times aren’t publicly disclosed, but customer reviews suggest experiences vary widely. Some people report getting through quickly and receiving helpful assistance, while others mention being put on hold for extended periods or playing phone tag with representatives.
Support Channels
Phone: This is clearly Seven Corners’ primary channel. The emergency line is staffed 24/7, and regular customer service is available during business hours. Reviews of phone support are mixed, with some customers praising knowledgeable representatives and others frustrated by the time it takes to get answers.
Email: Available for non-urgent inquiries, but response times can be slow. Some customers report waiting several days for responses to straightforward questions.
Live Chat: Not prominently featured on their website, if available at all. This is a miss when most customers expect real-time digital support options.
Text and WhatsApp: Seven Corners offers contact via WhatsApp, which is convenient for travelers abroad who might not want to use international calling minutes.
Social Media: They maintain a social media presence but don’t appear to use it heavily for customer service interactions.
Customer Service Quality
This is where things get complicated. The customer service experience with Seven Corners is a tale of two companies, depending on whether you’re buying a policy or filing a claim.
Pre-Purchase Experience: Most reviews praise the sales team. Representatives are described as knowledgeable, patient, and helpful in explaining coverage options and ensuring customers get the right plan for their needs. The ability to speak with a real person who understands the nuances of travel insurance is valuable when you’re trying to figure out what coverage you actually need.
Claims Experience: This is where many customers fall apart. While some report smooth, quick claims processes, many reviews mention frustration with claims handling. Common complaints include slow processing times, requests for additional documentation long after initial submission, poor communication about claim status, and denials that feel arbitrary or based on technicalities.
The staff’s knowledge appears solid. Representatives generally understand the policies and can explain coverage. The issue isn’t typically about knowledge but about process efficiency and follow-through.
Issue Resolution Effectiveness: This varies dramatically based on customer reports. Some people have their claims paid quickly and fairly. Others report months-long battles that require escalation to state insurance commissioners to get resolved. The inconsistency is concerning and suggests internal process issues that need to be addressed.
Seven Corners Travel Insurance Online & Digital Experience
The Seven Corners website is functional but feels dated compared to newer, more tech-forward competitors. The quote process is straightforward enough. You enter your trip details (dates, destination, trip cost, traveler ages), and the system generates quotes for available plans. The information is presented clearly, and you can see coverage limits side by side.
However, the website design itself hasn’t been updated in several years. Navigation can be clunky, and finding specific policy details sometimes requires clicking through multiple pages. The purchase flow works, but doesn’t feel particularly intuitive or modern.
Policy management features exist through the online account portal. You can view your policy documents, access your ID card, make specific changes to your coverage, and check claim status. The portal is functional but basic. It gets the job done without being particularly user-friendly or visually appealing.
Mobile App
Seven Corners offers a mobile app for both iOS and Android, available for free download. The app includes useful features such as viewing policy information, accessing digital ID cards, finding healthcare providers in their network, and extending coverage if your plan allows it.
However, multiple reviews describe the app as “clunky” for claims filing. The interface isn’t particularly modern or intuitive, and some users report glitches when uploading documentation. One positive feature is that claims advisors can leave custom messages and updates within the app specific to your claim, which provides some transparency into the process.
App ratings aren’t prominently displayed on their website, and searching app stores yields only a few recent reviews, suggesting adoption may not be widespread. The app feels more like an afterthought than a core part of the customer experience.
Digital Tools
Online Claims Filing: Available through both the website and app. You can upload receipts, medical records, and other documentation electronically, which beats mailing paper copies. However, the system doesn’t always make it clear what documentation is needed upfront, leading to back-and-forth requests that extend processing times.
Document Access: Policy documents and ID cards are accessible through your online account, which is convenient when you’re traveling and need to reference coverage details or show proof of insurance.
Travel Assistance Resources: The website includes some basic travel tips and information, but it’s not particularly comprehensive or engaging compared to competitors who offer extensive travel resources, guides, and tools.
Overall, the digital experience meets basic needs but lags behind more innovative competitors. In an era where companies like Faye are building their entire business model around seamless digital experiences and app-based claims, Seven Corners feels like it’s playing catch-up.
Seven Corners Travel Insurance Customer Satisfaction
Here’s what customers are saying about Seven Corners.
Better Business Bureau (BBB)
Seven Corners maintains an A+ BBB rating through its Carmel, Indiana headquarters. This sounds impressive until you dig into the actual customer reviews, where they rate just 1.2 out of 5 stars. That’s a stark contrast.
Looking at complaints filed over the past three years, common themes emerge around claims processing delays, denied claims that customers felt should have been covered, and communication issues. However, Seven Corners responds to complaints and attempts to resolve them, which is reflected in its high BBB accreditation rating, even though customer satisfaction scores are low.
The nature of complaints is more telling than the number. Many revolve around claim denials based on policy exclusions that customers either didn’t understand or felt were applied unfairly. Others mention the frustrating experience of waiting months for claim resolution.
Trustpilot
Seven Corners has an Excellent rating of 4.5 out of 5 stars on Trustpilot based on over 5,554 customer reviews. This is significantly more positive than the BBB feedback, which creates an interesting discrepancy worth exploring.
Reading through recent Trustpilot reviews, you’ll find plenty of praise for the customer service team by name. Multiple reviewers mention specific representatives, such as Tristan, Janetta, Laura Morin, and April Welch Pennell, who provided excellent service during the purchase or claims process. People appreciate being able to talk to real humans who take time to explain coverage options and guide them through complicated situations.
The positive reviews often come from people who had smooth claims experiences or who received excellent service when purchasing policies. However, negative reviews tend to be about denied claims, slow processing, and difficulty getting reimbursed. The pattern suggests that when things go well with Seven Corners, they go really well. But when problems arise, the experience can be frustrating.
Reddit & Social Media Sentiment
Reddit discussions about Seven Corners paint a mixed picture. On travel forums and insurance subreddit threads, you’ll find people who have had positive experiences recommending them for their affordable pricing and solid medical coverage. However, there are also cautionary tales about slow claims processing and denials.
One common thread in social media discussions is the disconnect between the purchase experience and the claims experience. The company gets credit for being responsive and helpful when you’re buying a policy, but that same level of service doesn’t always carry through to the claims side.
Travel forums like the Rick Steves forum have some strongly negative posts about Seven Corners, particularly regarding claims, delays, and the sense that the company is trying to avoid paying legitimate claims. However, these forums also have defenders pointing out that delayed claims are common across the travel insurance industry and not unique to Seven Corners.
The general sentiment on social media is cautious optimism. People acknowledge the reasonable pricing and coverage options, but frequently add caveats about hoping they won’t need to file a claim.
Seven Corners Travel Insurance Claims Process
This is where Seven Corners really struggles, according to customer feedback. The claims process is consistently cited as the company’s biggest weakness.
Ease of Filing: Filing a claim is relatively straightforward. You can submit claims through their website or convenient mobile app. You’ll need to provide documentation such as receipts, medical records, police reports (for theft), and any other relevant paperwork, depending on the type of claim. The initial filing process itself isn’t complicated.
Documentation Requirements: Here’s where things get frustrating for many customers. The required documentation isn’t always clearly communicated upfront. Multiple reviewers submitted what they believed was complete documentation, only to receive requests for additional materials weeks or even months later. This back-and-forth extends processing times significantly and creates frustration.
Processing Time: This is the most significant pain point. While some customers report quick turnaround times (a few weeks), many others describe waiting 2-4 months for claim resolution. Some particularly egregious cases involve claims taking even longer. One reviewer mentioned submitting a claim in August and still not having a resolution by October despite repeated follow-ups.
Claims Approval Rate: Seven Corners doesn’t publish official claims approval statistics, which isn’t unusual for the industry. However, based on customer reviews, there are a fair number of denials that customers feel are based on technicalities or unclear policy language. Pre-existing condition exclusions and the definitions of covered reasons for cancellation are common areas of dispute.
Customer Feedback: The claims experience is clearly the weakest link in Seven Corners’ service chain. While some people have smooth experiences and praise claims adjusters by name, the volume of negative feedback about slow processing, poor communication, and arbitrary-feeling denials is concerning. Multiple customers report having to escalate to state insurance commissioners to resolve or pay claims.
Payment Methods and Speed: When claims are approved, payment is typically made via check or direct deposit. The actual payment process is reasonably quick once a claim is approved, but getting to that approval stage is where delays occur.
Unique Features of Seven Corners Travel Insurance
CFAR on Budget Plans: The availability of Cancel For Any Reason coverage even on their cheaper plans is genuinely unusual in the industry and provides valuable flexibility for risk-averse travelers.
Non-U.S. Resident Coverage: Unlike many travel insurance companies that serve only U.S. residents, Seven Corners offers robust options for non-U.S. residents and citizens, including those visiting the United States. This makes them a more inclusive option for international customers.
In-House Administration: Seven Corners handles everything internally rather than outsourcing to third parties. This can be both good (more control over processes) and bad (potential bottlenecks if they’re understaffed).
High Medical Evacuation Limits: Coverage up to $1 million for emergency medical evacuation is genuinely excellent and can provide real peace of mind for travelers visiting remote or developing areas where quality medical care might require transportation.
24/7 Multilingual Assistance: The in-house Seven Corners Assist team, providing around-the-clock assistance in multiple languages, is valuable, particularly for medical emergencies abroad.
Government Contract Work: The fact that Seven Corners administers health benefits for various U.S. government programs speaks to its ability to manage complex insurance arrangements at scale.
Pros and Cons of Seven Corners Travel Insurance
Pros
- Competitive pricing that often beats major competitors while maintaining solid coverage limits
- Strong financial backing through A-rated underwriters provides confidence in claim-paying ability.
- High medical and evacuation coverage limits (up to $1 million) offer excellent protection for international travel.
- CFAR coverage is available even on budget plans, which is rare in the industry
- Options for non-U.S. residents and citizens, making them more accessible than many competitors
- 24/7 multilingual emergency assistance through an in-house team
- Annual multi-trip plans are available for frequent travelers
- Ability to speak with knowledgeable sales representatives who help you understand coverage options
Cons
- Claims processing is frequently slow, with many customers reporting delays of 2-4 months.
- Inconsistent customer service quality, particularly between sales and claims departments
- No 10-day free look period on most policies, making it harder to change your mind after purchase
- Pre-existing condition coverage requires a longer 20-day window from initial deposit compared to many competitors.
- Digital experience feels outdated compared to newer, more tech-focused competitors.
- Limited adventure sports coverage requires partnerships with a third-party provider.s
- Communication during the claims process is often poor, with customers struggling to get status updates. The mobile app is described as clunky and not particularly user-friendly.
Our Verdict & Overall Score of Seven Corners Travel Insurance
Seven Corners is best suited for budget-conscious international travelers who prioritize upfront cost savings and comprehensive medical coverage over fast claims processing. If you’re the type of person who rarely files insurance claims and primarily wants protection against catastrophic medical emergencies or evacuation needs, Seven Corners offers solid value for the money.
This could be a good fit for:
- Young, healthy travelers who want affordable coverage primarily for medical emergencies
- Frequent travelers who can benefit from their annual multi-trip plans
- Digital nomads or long-term travelers who need extended travel medical coverage
- People traveling to remote or developing areas who want high evacuation coverage limits
- Non-U.S. residents visiting America who need visitor insurance
- Travelers who wish to have CFAR coverage but don’t want to pay premium prices
You should probably look elsewhere if:
- You have a high likelihood of needing to file a claim and want fast processing. Consider Berkshire Hathaway travel insurance for claims processing.
- You’re taking an expensive trip and can’t afford delays in reimbursement
- You need comprehensive adventure sports coverage built into your plan. Consider Battleface travel insurance for customizable plans.
- You prioritize a modern, seamless digital experience and mobile app functionality. Consider Faye travel insurance for a great overall customer experience.
- You have a complex travel situation and need responsive, consistent customer service
- You’re not comfortable with the risk of potentially lengthy claims disputes
The bottom line? Seven Corners offers legitimately good value from a pure coverage-to-cost perspective. The financial backing is solid, the coverage limits are generous, and the pricing is competitive. However, the weak link is clearly the claims experience. If you need to file a claim, you might be in for a frustrating process that tests your patience.
Think of Seven Corners like buying a budget airline ticket. You’re getting good value for your money, and if everything goes smoothly, you’ll be happy with the purchase. But if something goes wrong and you need customer service, the experience might not meet your expectations. Only you can decide whether the cost savings are worth the potential trade-off.
For what it’s worth, I’d consider Seven Corners for a straightforward international trip where I’m primarily concerned about medical emergencies rather than trip cancellations. The high medical and evacuation limits provide real value, and the pricing makes it accessible. But for a complicated, expensive trip where I’m more likely to need trip cancellation coverage or face a higher risk of filing claims, I’d probably spend a bit more for a company with a better track record in claims processing and consistent customer service.
About Our Methodology
We use a weighted scoring system for travel insurance reviews. We compared 20 companies on key factors, including their travel insurance rates, to inform our ratings. Once we scored each company, we applied a curve based on the best overall product. Here’s what we look for:
- Financial Strength & Solvency: 20%
- Affordability & Value: 15%
- Customer Service: 20%
- Online & Digital Experience: 10%
- Customer Satisfaction & Reputation: 20%
- Claims Process: 15%
How Seven Corners Scored
- Financial Strength: 9/10
- Affordability: 7.5/10
- Customer Service: 6.5/10
- Online Experience: 6/10
- Customer Satisfaction: 6.5/10
- Claims Process: 5.5/10
You can learn more about how each company scored and what curve was applied here: Travel Insurance Reviews.
