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5 Questions About Road Trip Insurance, Answered.

Sven | Jun 18, 2020


Planes are cool. Trains? Ok. But automobiles — that’s the best way to really explore and experience the road less traveled. Millions of people across North America are expected to embark on road trips this year, but there’s one thing many of those travelers forget to consider when planning their trips: Road trip travel insurance.

Maybe you’re saying to yourself, “But I already have car insurance. Why do I need trip insurance, too?” We’re so glad you asked! Sure, car insurance, medical insurance, and roadside assistance providers cover some things, but there are a few key benefits that many of those plans leave out. Below, we’ll provide answers to some of the basic questions many people have when it comes to travel insurance — specifically in relation to ARMOR, Seven Corners’ latest plan built especially for road trip travel.

Aerial view of cars on a windy road.

Q: What is ARMOR Road Trip Travel Insurance?

A: ARMOR is an affordable annual protection plan designed to help you or your loved ones if you become sick or hurt on a road trip. A quick overview:

  • Available to residents of the United States and Canada.
  • Covers travel in the United States, Canada, and Mexico.
  • A 12-month plan that covers any 30-day trips within your coverage year.
  • Available for road trips taken via a car, motorcycle, or RV.
  • Covers you, a spouse, children, and pets, and provides a safe return home in the event of a medical emergency due to an accident or sickness.
  • Offers medical evacuation if you are injured or sick and not being treated in a medical facility that can provide appropriate care.
  • Annual plans  cost $45 per covered individual (Pricing for your spouse and children is even less!).

SUV off-roading on a country road.

Q: How is ARMOR travel insurance different than RoundTrip travel insurance from Seven Corners?

A: RoundTrip travel insurance is our plan for domestic or international travel. Most purchasers are traveling by air, ship, or train. This plan typically protects against cancellation and other unexpected expenses that come with changing or cancelling travel plans.

ARMOR was designed specifically for domestic road travel across the U.S., Canada, and Mexico and covers situations that roadside plans typically don’t cover.  


Woman with road trip insurance driving a car with the sun roof open.

Q: What’s the difference between road trip insurance and other types of insurance?

A: The major difference is what is covered. For example, on a typical individual auto insurance plan, your car insurance will most likely cover damage to your or someone else’s vehicle in the event of an accident. There may also be coverage for medical expenses. However, what happens after the accident is on your shoulders. This can be especially hard financially if you are involved in an incident that occurs hundreds, or even thousands of miles away from home.

Sometimes, credit card companies may advertise travel insurance benefits, but typically these benefits are limited and don’t help the same way a true travel insurance plan can help.  As with any coverage plan, it’s always recommended to go over the fine print with a fine-tooth comb.


Mechanic giving customer the car keys.

Q: Do I really need road trip travel insurance? How will it help?

A: We hate to answer a question with a question, but how can’t it help your trip? More protection means more peace of mind. As with any travel plans, things happen. But anyone who has ever taken a car trip knows that can be especially true on the road. These incidents can be particularly scary when your health is involved.

Picture it. You’ve always wanted to go hiking along the Appalachian Trail, so you and your kids pack up the car, strap on your hiking boots and make your way toward a week in the mountains. Somewhere along the trail, you fall into a ravine and break your legs. You need to get emergency surgery, but what about your kids? With ARMOR protection, we’ll provide an escort and safe travel home for your family, and we’ll return your vehicle home as well. And once you’re back up on your feet (or crutches, let’s not get ahead of ourselves) we’ll provide you transport safely home as well.

Or, forget the legs, what if you just break an arm? Maybe the doctor tells you it isn’t safe for you to drive 2,000+ miles back home. Again, ARMOR has you covered. We’ll make sure you, your vehicle and whoever is covered on your trip can easily get back home.

With road trip travel insurance, you can travel safely knowing that — whatever bumps you hit in the road — you and the people and things  you love are taken care of.


Man doing car insurance research on laptop.

Q: How do I sign up for road trip travel insurance?

A: At Seven Corners, getting coverage is simple. Start by visiting our online portal for access to a fast, free quote in minutes. Or, if you’d rather speak with a representative to discuss options and coverage details, contact us at sales@sevencorners.com or by calling 317-575-2652.

Safe travels! And don’t forget to buckle up!



About the Author

Sven is a friendly puffin who's interested in two big things: coffee and travel. He loves sharing his adventures with readers.

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