Seven Corners Travel Insurance Review 2025

Seven Corners offers travel insurance for U.S. residents and groups for domestic and international trips. It also offers travel medical insurance for visitors to the USA who are not citizens.

Cruise Insurance: This policy (above) is Seven Corners’ highest-rated plan in our ratings of the best travel insurance. It provides solid coverage across the board, such as travel medical benefits of $250,000, per person, and $500,000 for medical evacuation, per person. Cruise-specific benefits include $500 per person for itinerary changes that force you to miss pre-paid activities or that eliminate a destination from the itinerary and a $500 per person benefit if your cruise is diverted or disabled.

Trip Protection Choice: Seven Corners’ Choice policy provides excellent medical expense ($500,000 per person) and medical evacuation ($1 million per person) benefits. It also offers “cancel for any reason” and “interruption for any reason” upgrades, with 75% reimbursement for each. For pet owners, you can be reimbursed up to $500 for additional kennel fees if you return home late from your trip. There are short required waiting periods of six hours for travel and baggage delays.

Trip Protection Basic plan: This policy offers $100,000 in emergency medical coverage and $250,000 in medical evacuation coverage per person. It also includes $600 per person in travel delay coverage and $500 per person in baggage delay. You also get the option to upgrade with “cancel for any reason” and “interruption for any reason” coverage.

Here are key benefits of Seven Corners’ single-trip travel insurance options.

Benefits	Cruise Insurance	Trip Protection Choice	Trip Protection Basic
Trip cancellation	100% of insured trip cost	100%	100% of insured trip cost
Trip interruption	150% of insured trip cost	150%	100% of insured trip cost
Emergency medical	$250,000 per person	$500,000	$100,000 per person
Medical evacuation	$500,000 per person	$1 million	$250,000 per person
Non-medical evacuation	None	$20,000	None
Travel delay	Up to $250 per day; $1,000 maximum (at least six hours)	$250 per day per person; maximum of $2,000 (at least six hours)	$200 per day per person; maximum of $600 (at least six hours)
Baggage delay	$100 per day; maximum of $500 (at least six hours)	$100 per day; maximum of $500 (at least six hours)	$100 per day; maximum of $500 (at least six hours)
Baggage and personal items	$2,000 ($250 maximum per item)	$500 (per item limit $250)	$2,500 (per item limit $250)
Missed connection	$1,500 per person	$1,500 per person	$500 per person
Optional “interruption for any reason”	75% of the non-refundable insured trip cost	75% of the non-refundable insured trip cost	75% of the non-refundable insured trip cost
Optional “cancel for any reason”	75% of the non-refundable insured trip cost	75% of the non-refundable insured trip cost	75% of the non-refundable insured trip cost

See More See Less

Trip Protection Annual Multi-Trip: This policy lasts for 365 days and will cover multiple trips within that time frame. You can choose trip interruption limits of $2,500, $5,000, $10,000, $20,000 or $30,000. It includes $250,000 in travel medical insurance per person, and $500,000 in medical evacuation insurance, per person. You also get $2,000 in trip delay benefits with a six-hour waiting period and $1,000 in baggage delay benefits after a 12-hour waiting period.

Travel Medical USA Visitor Basic and Travel Medical USA Visitor Choice: These policies from Seven Corners are for non-U.S. visitors to the States. They provide travel medical expense coverage for those here on trips up to 364 days. They each have a maximum coverage amount of $1 million for the duration of the policy. They provide coverage of $50,000, $100,000 or $150,000 for travelers up to age 69 and $50,000 or $100,000 for ages 70 to 99. The Choice plan has higher limits for surgeries, hospital stays, doctor visits and other medical treatment.

Travel Medical Insurance for Trips Including the USA: This policy is for non-U.S. citizens traveling to the Unites States, as well as other destinations outside of their home country.

These plans from Seven Corners are for non-U.S. visitors to the States. They provide travel medical expense coverage for those here on trips up to 364 days.

The Travel Medical Global Basic and Travel Medical Global Plus plans offer maximum coverage of $50,000 to $1 million for travelers up to age 69, $50,000 or $100,000 for those age 70 to 79 and $10,000 for travelers age 80 and older. The Plus plan reimburses 90% of the first $10,000 in covered expenses for out-of-network care, compared to 80% for the Basic plan.

Many travel insurance companies offer optional upgrades that provide coverage for certain situations that your basic policy excludes.

The Cruise Insurance, Trip Protection Choice and Trip Protection Basic plans all offer “cancel for any reason” travel insurance and “interruption for any reason” upgrades:

• IFAR: This coverage provides reimbursement for 75% of prepaid and non-refundable expenses if your trip gets interrupted for any reason, even if the reason is excluded from your base policy. It generally adds 3% to 10% to your travel insurance cost and coverage usually doesn’t start until 48 hours or more into your trip.
• CFAR: “Adding this coverage reimburses 75% of your prepaid and non-refundable travel expenses if something happens and you have to cancel your trip, regardless of the reason. You typically have to cancel no less than 48 hours prior to your departure for benefits to apply. CFAR generally adds about 50% to your travel insurance cost, but we’ve calculated the amount based on a $6,000 trip for a couple age 40.

Policy	Cost without CFAR	Cost with CFAR	% increase	$ increase for CFAR
Cruise Insurance	$354	$517	46%	$163
Trip Protector Choice	$368	$523	42%	$155
Trip Protector Basic	$248	$352	42%	$104

See More See Less

Rentals, Equipment, Events

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

The Choice plan also offers $15,000 in event ticket coverage. That means if you can’t attend or stay for the entire event due to unforeseen circumstances listed in your policy you can be compensated.

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

Travelers and trip	Cost per trip for Cruise Insurance	Cos per trip for Trip Protector Choice	Cost per trip for Trip Protector Basic
Two travelers age 30, $3,000 trip cost, traveling to Mexico for 8 days	$198	$88	$158
Two travelers age 40, $6,000 trip cost, traveling to Italy for 17 days	$354	$248	$368
Family with two parents age 40 and two children, $15,000 trip cost, traveling to Spain for 17 days	$872	$538	$788
Two travelers age 65, $6,000 trip cost, traveling to the Italy for 17 days	$500	$346	$512
Two travelers age 70, $3,000 trip cost, traveling to the Mexico for 8 days	$304	$178	$286
Two travelers age 75, $15,000 trip cost, traveling to Aruba for 20 days	$1,900	$1,668	$2,268
Two travelers age 80, $20,000 trip cost, traveling to Spain for 25 days	$2,308	$2,102	$2,844

See More See Less

Seven Corners’ policies cover unforeseen events that can disrupt your trip before and after you leave. These problems can include delays due to severe weather, trip cancellation because you become sick, and medical care costs for accidents and injuries that happen during a trip.

Trip cancellation: If you cancel your trip for a reason outlined in the policy, trip cancellation insurance reimburses you for prepaid and non-refundable trip costs. Examples of reasons for cancellation in Seven Corners’ policies include severe weather and illness or injury to you or a family member.

Travel medical expenses: If you get sick or injured while traveling, travel medical insurance pays for medical expenses up to your policy limits.

Emergency medical evacuation: Medical evacuation travel insurance will help pay the cost of transportation to the nearest adequate treatment center that can treat your condition if during your trip you need immediate medical care.

Travel interruption: This coverage can reimburse you for money lost on prepaid, non-refundable expenses for the part of the trip you miss. If you need to go home early because an emergency listed in your policy arises, trip interruption insurance can also pay for a last-minute flight home.

Travel delay: Travel delay insurance pays for temporary lodging and costs for necessities if your trip gets delayed beyond a specified amount of time because of a problem listed in your policy.

Baggage and personal effects: If your luggage or belongings are damaged, lost or stolen during your trip, baggage insurance will pay you the depreciated value of your luggage and possessions, up to your policy limits. If your baggage is delayed for the amount of time listed in the policy, baggage delay insurance will pay for essentials such as toiletries and clothing while you wait.

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

You can email Seven Corners or call them for assistance.

Phone

• Call (800) 335-0611

Online

• Purchases: For help with a quote or questions about a purchase or policy, you can email sales@sevencorners.com.
• Claims: For benefits and claims inquiries, you can email customerservice@sevencorners.com.

At Seven Corners, you can file a claim by mail, fax, phone or through the Seven Corners mobile app. Be sure you have the supporting documentation you’ll need for completing the claim.

If you’re thinking about purchasing travel insurance, it’s a good idea to compare Seven Corners with a few other companies. Below, you can see how Seven Corners top-rated travel insurance plan stacks up to some of its biggest competitors.

Seven Corners’ Cruise Insurance vs. Nationwide’s Cruise Luxury

Both policies match on medical and evacuation coverage, trip interruption benefits and travel delay limits. But the Cruise Luxury policy by Nationwide has higher limits for other core coverage types and costs about $50 less.

Benefit	Seven Corners’ Cruise Insurance	Nationwide’s Cruise Luxury
Emergency travel medical/evacuation	$250,000/$500,000	$250,000/$1 million
Trip interruption	150% of the trip cost	150% of the trip cost
Travel delay	$1,000 per person; Covered after six-hour delay	$1,000 per person; Covered after six-hour delay
Baggage delay	$500 per person; Covered after six-hour delay	$1,000 per person; Covered after six-hour delay
Baggage and belongings	$2,000 per person ($250 per item)	$2,500 per person ($500 per item)
“Cancel for any reason” reimbursement	75% of insured trip cost	75% of insured trip cost
Average cost (based on five sample trips)	$446	$399

See More See Less

Seven Corners’ Cruise Insurance vs. IMG’s iTravelInsured LX

IMG Global’s iTravelInsured LX plan provides higher coverage limits for emergency medical expenses and evacuation and for travel and baggage delays. But the Cruise Insurance plan has a shorter baggage delay waiting period and costs about $140 less than IMG’s LX policy, on average.

Benefit	Seven Corners’ Cruise Insurance	iTravelInsured LX
Emergency travel medical/evacuation	$250,000/$500,000	$500,000/$1 million
Trip interruption	150% of the trip cost	150% of insured trip cost
Travel delay	$1,000 per person; Covered after six-hour delay	$2,500 per person; Covered after six-hours
Baggage delay	$500 per person; Covered after six-hour delay	$500 per person; Covered after 12 hours
Baggage and belongings	$2,000 per person ($250 per item)	$2,500 ($250 per item)
“Cancel for any reason” reimbursement	75% of insured trip cost	75%
Average cost (based on five sample trips)	$446	$587

See More See Less

Seven Corners’ Cruise Insurance vs. WorldTrips’ Atlas Journey Elevate policy

If you want superior medical evacuation coverage and higher limits across the board at a lower price, the Elevate plan from WorldTrips is a better option. The Cruise Insurance plan is about $190 more than the Elevate plan. The Cruise Insurance policy does have a shorter waiting period for baggage delays.

Benefit	Seven Corners’ Cruise Insurance	WorldTrips Atlas Journey Elevate
Emergency travel medical/evacuation	$250,000/$500,000	$250,000/$1 million
Trip interruption	150% of the trip cost	150% of insured trip cost
Travel delay	$1,000 per person; Covered after six-hour delay	$2,000 per person; Covered after five-hour delay
Baggage delay	$500 per person; Covered after six-hour delay	$600 per person: Covered after 12-hour delay
Baggage and belongings	$2,000 per person ($250 per item)	$2,500 per person ($500 per item)
“Cancel for any reason” reimbursement	75% of insured trip cost	75%
Average cost (based on five sample trips)	$446	$258

See More See Less

Seven Corners’ Cruise Insurance vs. PrimeCover’s Luxe

Both policies cost about the same so the differentiator comes down to coverage limits. If you want high limits for medical evacuation, trip interruption, baggage insurance and travel delays, the Luxe plan from PrimeCover surpasses Seven Corners’ Cruise Insurance.

Benefit	Seven Corners’ Cruise Insurance	PrimeCover Luxe
Emergency travel medical/evacuation	$250,000/$500,000	$250,000/$1 million
Trip interruption	150% of the trip cost	200% of insured trip cost
Travel delay	$1,000 per person; Covered after six-hour delay	$3,000 per person; Covered after six-hour delay
Baggage delay	$500 per person; Covered after six-hour delay	$600 per person; Covered after eight-hour delay
Baggage and belongings	$2,000 per person ($250 per item)	$3,000 per person ($500 per item)
“Cancel for any reason” reimbursement	75% of insured trip cost	75%
Average cost (based on five sample trips)	$446	$409

See More See Less

Seven Corners’ Cruise Insurance vs. Travelex’s Ultimate

The Ultimate plan from Travelex averages about $60 more than the Cruise Insurance plan. The Ultimate plan has higher limits for medical evacuation and travel delays. Seven Corners’ policy has a shorter waiting period for baggage delays.

Benefit	Seven Corners’ Cruise Insurance	Travelex Ultimate
Emergency travel medical/evacuation	$250,000/$500,000	$250,000/$1 million
Trip interruption	150% of the trip cost	150% of insured trip cost
Travel delay	$1,000 per person; Covered after six-hour delay	$2,000 per person; $250 daily limit Covered after 5-hour delay
Baggage delay	$500 per person; Covered after six-hour delay	$500 per person; Covered after 12-hour delay
Baggage and belongings	$2,000 per person ($250 per item)	$2,000 per person ($500 per item)
“Cancel for any reason” reimbursement	75% of insured trip cost	75%
Average cost (based on five sample trips)	$446	$505

See More See Less

We researched and analyzed 69 policies to find the best travel insurance. When companies had more than one highly rated travel insurance policy we used the highest-scoring plan. Ratings are based on the following metrics.

Cost (35% of score): We analyzed the average cost for each travel insurance policy for trips to popular destinations:

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

Medical expenses (15% of score): Travel insurance policies with travel medical expense benefits of $250,000 and up per person were given the highest points.

Medical evacuation (15% of score): 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 are offered. More points were awarded for “cancel for any reason” upgrades with reimbursement levels of 75%.

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

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

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

Pre-existing medical condition exclusion waiver (5%): Points were given to policies that cover pre-existing medical conditions (if purchased within a required timeframe after the first trip deposit).

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

Editor’s note: While our parent company has an interest in PrimeCover, this review was subjected to our team’s standard rigorous editorial process, which remains independent of any influence from insurance companies, business relationships, affiliates or any other external parties.