What is Travel Insurance?

Travel insurance provides several different types of benefits that are especially important for travelers. This can include coverage for:

• Medical expenses for accidents and illnesses that occur on your trip.
• Your trip expenses, including the nonrefundable trip payments you made for airfare, a cruise, excursions, hotels, and more.  
• Your baggage and personal items if they are damaged, stolen, lost, or delayed.
• Emergency medical evacuation if you become sick or hurt in an area without the medical care you need.

Also, all travel plans come with 24/7 non-insurance travel assistance services from our in-house team, Seven Corners Assist. 

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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. 

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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.  

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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. 

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.  

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. 

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. 

They are excluded from coverage. However, the exclusion is waived for RoundTrip Choice and RoundTrip Elite if:

1. You buy this plan within 20 days of the date your intial trip payment or deposit is received; and
2. You or your traveling companion are medically able and not disabled from travel when you pay for this plan or upgrade your plan; and
3. You update the coverage to include the additional cost of subsequent travel arrangements within 15 days of paying your travel supplier for them.

Travel destinations can vary by product. Our product pages provide details if destinations are restricted. 

If you’re confused about whether to extend your existing plan or buy a new one, contact our team or your agent so they can help you make the best choice for your situation.