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faq
Travel insurance provides several different types of benefits that are especially important for travelers. This can include coverage for:
Also, all travel plans come with 24/7 non-insurance travel assistance services from our in-house team, Seven Corners Assist.
There are two main types of travel insurance: trip protection plans and travel medical plans.
Trip Protection Insurance is important if you don’t want to lose the money you paid for your trip if you need to cancel your trip or if your trip is interrupted or delayed.
Trip insurance reimburses you for your nonrefundable, prepaid trip costs such as airfare and hotel rooms, if you need to cancel, interrupt, or delay your trip for covered reasons.
It also helps if you miss a cruise or tour connection or if your luggage is lost, stolen, or damaged.
And it provides coverage for emergency medical expenses and emergency medical evacuations.
Seven Corners provides this protection in our RoundTrip family of plans for U.S. residents.
RoundTrip plans also cover medical expenses if you get sick or hurt while traveling and your personal effects and baggage if they are lost, stolen, or damaged during your trip.
Travel Medical Insurance provides high limits of medical coverage to protect you when you travel outside your home country. You can choose the medical coverage limit and your deductible.
It also includes coverage for an emergency medical evacuation if the medical care necessary to treat your sickness or injury is not available at your location.
Seven Corners provides this protection in our Liaison travel medical plans.
Not always and if it does it may only cover emergency expenses. Also, it’s unlikely it will cover an emergency medical evacuation or repatriation if you get sick or hurt in an area without appropriate health care for you.
You can choose a plan based on several factors including where you live, where you are traveling, and the types of benefits you need.
Use our interactive guide on our home page to find the right plan for you. With a few questions, it will help you choose a plan.
If you still have questions or don’t want to use the guide, our sales team is happy to help.
Your credit card may include limited protection for things like lost luggage or rental car protection — it really depends on the card. Some even provide a small amount of coverage for trip cancellation, usually only for a small number of triggers. The best way to know is to check with your credit card company.
One big difference is emergency medical evacuation. This is included in travel insurance plans, and it’s important protection if you get sick or hurt in an area without appropriate medical care. Credit cards and domestic health insurance don’t usually provide this coverage.
For the coverage it provides, most travel insurance plans are economically priced.
Travel Medical
Cost varies according to your age, length of trip, deductible, medical maximum, and destination. Travel that includes the United States is typically more expensive than travel that does not.
Trip Protection
Pricing varies according to your age and trip expenses.
You can use our Quick Quote on each product page to obtain a price quickly.
Assistance services — Does the company offer 24/7 travel assistance services from a multilingual team?
Does the travel insurance include access to a network in the United States or an international directory of medical providers?
How long has the company been in business?
Does the plan provide the coverage you need?
Once you’ve completed your purchase, you’ll have the option to download the documents below. We will also email them to you.
Plan document — This is the legal contract that explains how your travel
insurance plan works. It includes the benefits, limitations, exclusions, and services for the plan.
ID card — Carry this with you or take a picture of it and store in your phone or tablet. It shows:
Coverage letter — This provides proof of your insurance. Many travelers use it when they apply for a visa.
On each of our travel insurance product pages, you’ll see we state the name of the company that underwrites the plan.
In this sense, an underwriter is the organization that underwrites or carries the risk for the insurance plan. They develop the benefits, coverage, limitations, and exclusions as well as the pricing for plans. When required, the underwriter files those with each state’s Department of Insurance for approval.
Seven Corners uses several different underwriters; each one is noted on our product pages.
Seven Corners administers your travel insurance plan. We work with the underwriter to design and price the plans.
We sell the plans, process your payment and coverage, and we process any claims.
If you are experiencing a life-threatening medical situation, contact the local emergency services immediately and seek appropriate medical care.
Global Emergency Number Equivalents to 911
For additional types of assistance, please call the phone number on your ID card to reach Seven Corners Assist. Seven Corners Assist is available 24/7 to provide support in the event of a medical emergency.
You may be able to extend your coverage period depending on what type of plan you have and how long you have already been covered.
You can visit renewal.sevencorners.com to extend your plan. You may also contact our team for help with an extension.
Find the name of your plan on your ID card and visit sevencorners.com/claims for instructions on which claim form to choose and how to file a claim.
If we receive your claim online or via email or fax, we will send you an email to let you know we received it.
As we work through your claim, we will reach out if we need additional information.
It will be paid by check unless you tell us otherwise. If paid by check, we will mail to the street address you provide to us.
If you live in the United States or Canada, we can pay by ACH, which is an electronic check. The ACH payment will deposit in the account you select. To receive payment this way, complete the Payment Authorization Form on our claims page.
An ACH It is like direct deposit. There is no fee on our end, and most banks do not charge for an ACH payment. You may wish to verify your bank’s policy for ACH payments.
If you live outside the United States, you may receive payment by international wire transfer. To receive payment this way, complete the Payment Authorization Form on our claims page.
Seven Corners does not charge you for a wire payment. However, some banks will charge their members for a wire. This is not something we can control so we recommend you confirm with your bank whether they charge a fee.
Complete and submit the Personal Disclosure Form, also known as a Protected Health Information (PHI) form. You can find the form on our claims page.
This form allows us to talk about your claim, travel insurance plan, and health information with a person you choose.
Without this form, we cannot talk to anyone about your protected health information.
We will have your documents translated. If the claim is considered payable, you will be reimbursed in the currency for your country based on the exchange rate on the day we issue payment.
Please remember that claims documents must be signed and submitted within 90 days from the date of service via our file upload option, postal mail, fax or email attachment.
We can pay someone other than the insured for a claim reimbursement if the insured gives written authorization for us to do so.
This is as simple as writing a letter or email to us that states who you wish us to pay. You also need to include an address stating where the claims payments should be sent (for a check payment).
You may ask us to reconsider the decision made on your claim by filing an appeal with us. Please visit our Appeals page for instructions on how to file an appeal.
PHI is protected health information, which is information protected by law that cannot be released to anyone except the patient without the patient’s consent. This affects things as simple as email addresses and as complex as medical records.
The Health Insurance Portability and Accountability Act (HIPAA) is a law to protect patients’ privacy, to protect this PHI. Because all health plans must follow HIPAA regulations, we cannot release this information without a signed PHI disclosure form.
They are triggers listed in the plan document that must occur for a trip cancellation, interruption, delay, or missed connection to be covered.
For our Roundtrip family, the covered reasons are similar for trip cancellation and trip interruption, but travel delay and missed connection each have distinctly different covered reasons or triggers.
To view covered reasons, please see the plan document at sevencorners.com/help/plan-documents.
Cancel for Any Reason (CFAR) is an optional benefit you can add to RoundTrip Basic, RoundTrip Choice or RoundTrip Elite for an additional cost. This benefit is not available in all states. Our quick quote will offer the benefit to you it if is available in your state.
CFAR reimburses up to 75% of your prepaid, nonrefundable trip cost if you cancel 2 or more days before your scheduled departure date for any reason not otherwise covered.
Visit our product pages to learn more about CFAR.
CFAR only applies to trip cancellation, not trip interruption, trip delay, or missed connection.
Pre-existing conditions are medical conditions that existed before your travel insurance took effect.
The definition of pre-existing conditions
For our RoundTrip plans, it means an illness, disease, or other condition
that existed during the 60 days before your coverage took effect, for which you, a traveling companion, a business partner or a family member scheduled or booked to travel with you:
They are excluded from coverage. However, the exclusion is waived for RoundTrip Choice and RoundTrip Elite if:
We recommend you identify the amount of nonrefundable prepaid trip payments and deposits you have made and buy coverage for that amount.
You should enter the total amount of your prepaid, nonrefundable trip expenses. This amount is often shown on your trip itinerary or invoice, although it may not include separate items such as excursions that you pay for separately.
For example, if your total nonrefundable trip expenses are $1,000, you should enter that amount.
If you fail to insure any prepaid, nonrefundable trip expenses, those uninsured expenses will not be reimbursable if you later need to cancel or interrupt your trip.
Frequent Flyer Miles
Do not include a dollar amount for frequent flyer miles.
For more details, review these guidelines about how to calculate the cost of your trip for travel insurance.
Write to Seven Corners at cancel@sevencorners.com and state you would like to cancel your plan.
Include this information: your certificate number (shown on your ID card), your first and last name and date of birth.
Email policy@sevencorners.com and explain the change that you need to make. Include this information: your certificate number (found on your ID card), your first and last name, and date of birth.
Typical Plan changes: trip cost, trip dates, destinations.
Typical Member updates: address, name corrections, add additional insureds (if the plan allows).
Our RoundTrip Economy, Choice, Elite, and RoundTrip International plans are examples of trip protection plans.
They provide a package of benefits for travelers, including:
It can reimburse you for published penalties and your nonrefundable trip payments and deposits up to the plan limit if you must cancel your trip in its entirety due to a covered reason.
Remember, you will be reimbursed for your nonrefundable trip payments and deposits up to the amount you insured. That's why it's important to insure all nonrefundable costs. If your nonrefundable trip cost is more than the amount you insured, you will be paid to the amount you insured.
It usually involves some sort of event which causes you to return home early so you miss part of your trip.
The benefit includes reimbursement for unused land or water trip costs and additional transportation costs, such as unplanned airfare incurred for you to return home. Sometimes, if you need to adjust your return arrangements or make new arrangements to return home, the trip cost will increase. This is why the interruption benefit for RoundTrip Choice and Elite cover 150% of your trip cost — it provides padding in case there is an increase.
Baggage and Personal Effects — This can protect items used by you during your trip against risks of permanent loss, theft, or damage.
Sub limits — There are sub limits so review the plan wording carefully if you have high-value items.
Example — There is a per article limit of $300.
If your lost, stolen or damaged baggage/personal effects are reimbursed by certain third parties, such as your hotel, common carrier, or travel supplier, then the plan will not reimburse
those same losses again. Benefits payable under this coverage, as with all other coverages in the plans, are in excess of all other insurance or indemnity as well, and benefits will not be paid for loss or damage to property specifically scheduled
under any other insurance. However, your plan can reimburse expenses that are not already reimbursed by others (or scheduled to be reimbursed by others) up to the maximum benefit amount.
Example — Elite plan has a maximum benefit amount of $2,500 for baggage and personal effects.
If you incur a covered loss equal to $2,500 but the common carrier who lost your baggage pays you $500 for your loss, the Elite plan would
only pay $2,000, since you would have already been reimbursed for the $500 worth of damages that the common carrier compensated you for. However, if you incur a covered loss equal to $3,000 and the common carrier who lost your baggage pays you
$500, the Elite plan would still reimburse you for $2,500, as you would still have a loss of $2,500 (the maximum benefit amount) that was not reimbursed by a third party.
Baggage Delay — If your checked bags are delayed or misdirected by a common carrier for a specified time period (more than 12 hours* for RoundTrip Elite) from your time of arrival at a destination other than your return destination,
we can pay for you to buy necessary personal items. (You must show receipts for your purchase and proof from your common carrier of the delay or misdirection.)
*This time limit may vary by state. Read your plan document to check the time
for your state.
If there is an emergency, please seek treatment immediately. Do not call us first unless you need our help locating a medical facility.
The benefit for baggage and personal effects applies when your baggage and/or properly was lost, stolen, or damaged during your covered trip. Please send us these items:
Trip protection plans such as RoundTrip Economy, RoundTrip Elite, and RoundTrip Choice can reimburse you for your non-refundable, prepaid trip costs for a list of covered reasons if:
Trip cancellation and trip interruption coverages each have a list of covered reasons (such as weather, sickness, injury, death, and more) that can allow you to cancel or interrupt your trip.
Trip delay also has a separate list of covered
reasons. For all of these coverages, benefits are not provided unless one of the covered reasons occurs.
The purchase date is the date you buy your travel protection plan.
The effective date is the day after you buy your plan. For the RoundTrip plans, it begins at 12:01 a.m. on the day after we receive your plan payment (if you mail your application and payment, the effective date is at 12:01 a.m. on the day after the postmark date).
Accident and sickness medical expenses — these can cover:
*This amount may vary by state.
This benefit does not begin until you have traveled 100 miles or more from home en route to join your trip.
Benefits can be paid up to a specific amount per day (and subject to the maximum benefit amount in the Schedule of Benefits) for:
*6 hours applies to the multi-state versions of the Choice and Elite plans. This time limit varies by plan type (Economy, Choice, or Elite) and may vary by state. Review your plan document to verify the time limit that applies to your trip.
This is any money you paid toward the cost of your trip that will not be refunded to you by your travel provider (airline, hotel, cruise, etc.) if you must cancel, interrupt, or make a change to your trip. If your trip cost is more than the amount you insured, you will be paid up to the amount you insured.
Example: You need to cancel your entire trip, and the hotel will only refund 75% of the $500 deposit you paid, or $375.
If you cancel for a covered reason, our trip protection plans will reimburse you for the nonrefundable portion, in this case $125. This way, you will not lose any of the funds you paid.
No, please contact your airline or other travel carrier.
Do feel free to contact us with questions about benefits related to a change in your travel arrangements and for questions about filing a claim about this.
Travel destinations can vary by product. Our product pages provide details if destinations are restricted.
Residents of the United States who are traveling within the United States and/or abroad can buy RoundTrip Economy, RoundTrip Choice, and RoundTrip Elite.
Non-U.S. residents can buy RoundTrip International for travel outside their home country, (the country where you have your true, fixed and permanent residence). U.S. citizens cannot buy RoundTrip International for travel to the United States, even if their home country is outside the United States.
This benefit applies if your checked baggage was delayed while you were on a covered trip.
You should send us these items when you submit your claim:
You should enter the total amount of your prepaid, nonrefundable trip expenses. This amount is often shown on your trip itinerary or invoice, although it may not include separate items such as excursions you pay for separately.
If you fail to insure any prepaid, nonrefundable trip expenses, those uninsured expenses will not be reimbursable if you later need to cancel or interrupt your trip.
For example, if your total nonrefundable trip expenses are $1,000, you should enter that amount.
Learn how to calculate the cost of your trip for travel insurance.
Example:
Susan, Mary, and Janet are taking a trip.
They each paid $1,000 in trip expenses for their airfare and hotel rooms. They have receipts showing they each paid $1,000, and none of their trip expenses are refundable, so they will insure the full $1,000.
To be properly protected, they have two options:
OR
Here are things you can do on the mobile app:
* How do I link plans?
To extend a plan, view ID cards, and view current coverage dates for your plan, you must first link your account in our customer portal, My Account. You can access it from our website and through your purchase confirmation email.
Begin on the login screen and enter the email you used to buy your insurance plan.
Then click the "Login Now" button.
Seven Corners will send an email to the email address you provided.
When you follow this link, you will be logged into the mobile app.
Questions?
Email customerservice@sevencorners.com
Supply the new coverage end date.
Check the statement which verifies the accuracy of your email address. Then click the "Get Price" orange button.
The price quote is then returned.
Enter the CVV for the credit card used to buy the plan initially.
Click the button next to this statement: "I agree to the policy terms on www.sevencorners.com. "
Click the orange "Confirm Purchase" button.
Your renewal is complete, and you can view your ID card or return to viewing plans.
When you follow this link, you will be logged into the mobile app.
Questions?
Email customerservice@sevencorners.com
Here are things you cannot do on the mobile app at this time:
An appeal is an official request for reconsideration of a previous claim denial.
If your claim has been denied, and you’ve received a letter from us explaining why it was denied, you have the option to appeal our decision. To do so, you must submit a claim appeal in writing with supporting documentation.
Your claim was processed by analysts who are trained to interpret policy language, and simply disagreeing with our decision is not enough to change the denial. You can view the details for the claim denial in our letter along with the reason the claim did not meet the policy requirements.
Call the Customer Service number on your customer ID card. If your concern regarding the denied claim is not resolved through a discussion with our Customer Service Advocate, you may submit a written appeal.
Download our sample letter form to your desktop, complete it with your information, and save the letter. In your letter include the reason you believe an error was made and why you believe your claim should be paid. It's important for you to explain why you believe your claim should be paid and provide documents and information to support your appeal.
We must receive your written appeal within 12 months of the date you were notified of the denial of benefits or services.
Be certain to provide this information with your written appeal:
If you have questions about what is required or need help, contact customer service.
If you have questions about what is required contact customer service for assistance.
If you received a letter stating your claim was closed due to lack of supporting documentation, you DO NOT need to file an appeal. Instead, send the requested information to claims@sevencorners.com and your claim will be re-opened for consideration.
You may view medical provider information by plan here or contact our team with questions.
Plans are customizable, and you are welcome to add coverage for adventure activities to your travel medical plan. We encourage each customer to speak with a Digital Sales Agent about which policy best meets your traveling needs.
If you have a medical emergency, contact the local emergency services and seek appropriate medical care.
You can contact our team 24/7 to answer any questions and help you find medical care.
In many countries, payment upfront in the form of a deposit is required to secure initial treatment. Once evaluated, if additional funds are required, Seven Corners can work with the medical provider to issue a guarantee of payment. Once a guarantee of payment is approved, Seven Corners will continue to coordinate with the medical provider on submitting payment once you are discharged.
A guarantee of payment (GOP) is an agreement with a health care professional outside of the U.S. in which payment is guarantee for a covered procedure.
In evaluating the medical care provided by local facilities, Seven Corners considers factors such as the quality of the clinicians, medical technology, and specialties available, along with the patient's medical requirements. If we determine the medical facilities are inadequate, our medical team may initiate a medical evacuation.
Planning a medical evacuation requires careful consideration of several variables, including: the severity of the patient’s medical condition, quality of care that can be accessed locally, and the medical risks involved in transporting the sick or injured patient.
When a decision to evacuate is made, our clinical team manages the evacuation plan, including any needs the patient may have while en route.
Evacuations are complex and typically involve:
The travel method is determined according to the patient's condition and location and can include:
In an unfortunate event where a customer dies while traveling, we recommend you contact the Seven Corners team at your earliest convenience so we can help and walk you through the benefits that may apply.
The coverage for travel medical plans is secondary to your primary domestic health insurance.
If you are a U.S. citizen with a U.S. passport traveling to the Schengen countries for tourism or business, you will not need a visa as long as you spend 90 days or less in these countries.
In case of a medical emergency, contact the local first responders/emergency services first. As soon as reasonably possible, contact Seven Corners.
If you are traveling in the United States, let your medical provider know about any pre-certification requirements for your plan.
Travel Assistance includes many types of urgent and nonurgent medical and non-medical services. Specially trained multilingual representatives help travelers 24/7. The services they provide can range from something as simple as helping you find a doctor to arranging a complex medical evacuation. For urgent medical situations, Seven Corners uses nurses and physicians to connect with the local medical team and help coordinate care.
Also, all travel insurance comes with 24/7 travel assistance services from our in-house team, Seven Corners Assist.