Trip Protection Basic & Choice

Our travel protection plans protect trip expenses, medical expenses, and baggage for one-way and round trips in the USA and abroad.

Get a quote

What travel insurance do you need?

You can’t plan for every potential mishap, but you can prepare with Seven Corners Trip Protection. Whether you’re staying in the U.S. or going overseas, the unexpected can happen at any time. That’s why you need to protect your money, belongings, and health with our domestic and international travel insurance.

From flight insurance to cruise insurance to coverage for medical expenses, Seven Corners is here for you when trip happens.

Why should I buy Cancel for Any Reason?

Seven Corners Trip Protection includes trip cancellation and trip interruption coverage, allowing you to cancel or interrupt your trip for a list of covered reasons. For greater flexibility in your trip planning, you have the option to add Cancel for Any Reason (CFAR)* and Interruption for Any Reason (IFAR) benefits.*

* These coverages are available at an additional cost and are subject to certain eligibility criteria.

Calender Time to buy
When should you buy travel protection?

It’s best to buy your plan as soon as possible after you make your first payment or deposit for your trip. Why?

  • Travel insurance can offer protection for unexpected events before you leave, not just during your trip.
  • Certain benefits like Cancel for Any Reason (CFAR), Interruption for Any Reason (IFAR), and the Pre-Existing Condition Waiver are available only if you buy your plan within a specified time.
  • You’ll want time to review and make sure you understand your plan so that know what to expect when trip happens.

  • Is COVID-19 covered?

    Yes! Our plans cover COVID-19 the same as any other illness. View these benefits

  • How do you calculate trip cost for trip protection?

    We’ll ask you about your prepaid trip costs to get you a quote for coverage. You should include non-refundable expenses such as airfare, a cruise, hotel, entertainment and excursions, house or condo rental, and similar expenses. It's important to know how to calculate the cost for your trip.

Trip Cancellation and Trip Interruption Benefits

Trip Cancellation  —  If you cancel your trip for a covered Reason, the Trip Cancellation benefit in our plans reimburses unused, nonrefundable payments or deposits for the travel arrangements you purchased for your trip.

Trip Interruption  —  If you interrupt your trip due to a covered reason, the Trip Interruption benefit reimburses you for unused nonrefundable, prepaid travel arrangements and additional transportation costs to join your trip, rejoin your trip, or travel to your originally scheduled return destination.

You can't cancel or interrupt your trip for reasons not listed in the plan document, unless you buy optional Cancel for Any Reason coverage* or optional Trip Interruption for Any Reason* benefits.

*These coverages are available at an additional cost and are subject to certain eligibility criteria.

Trip Delay and Missed Cruise/Tour Connection  —  These coverages are also provided and include benefits that are triggered by events detailed in the plan document.

Emergency Accident & Sickness Medical Expense

Seven Corners Trip Protection provides emergency medical coverage for accidents and illnesses that occur on your trip.

Emergency Evacuations

Our Emergency Medical Evacuation benefit covers expenses to transport you to the nearest medical facility where treatment is available if you incur a sickness or injury that is acute or life-threatening during your trip.

Protection for Your Belongings

The Baggage and Personal Effects benefit covers your baggage and personal items if they are lost, stolen, damaged or destroyed during your trip or while checked with a common carrier.

What does travel insurance cover?

Protection for Your Trip Expenses

If you cancel or interrupt for a covered reason, our plans reimburse unused, nonrefundable payments or deposits for the travel arrangements you purchased for your trip. You’ll also find valuable benefits such as Trip Delay and Missed Tour or Cruise Connection.

Protection for Your Health

If you get sick or hurt during your trip, your Seven Corners plan provides emergency medical expense coverage. You also get emergency medical evacuation coverage if adequate treatment is not available in your immediate area. It reimburses transportation expenses to transport you to the nearest suitable medical facility if you incur an acute, severe, or life-threatening sickness or injury.

Protection for Your Belongings

If your baggage is lost, stolen, damaged, or destroyed during your trip, we can reimburse you to replace essential personal items and help you recover your losses.

Compare Trip Protection Benefits

Seven Corners Trip Protection Basic
Covers up to 10 travelers

Seven Corners Trip Protection Choice
Covers up to 10 travelers and offers group options**

All cancellation coverages and protection plan costs are shown in United States dollar amounts and are per person.
COVID-19 Coverage***
COVID-19 Trip Cancellation and Trip Interruption

Cancellation: Reimburses prepaid and nonrefundable trip payments if you must cancel your trip because you become sick with COVID-19 before you depart on your trip and your physician determines you can no longer take your trip.

Interruption: Reimburses prepaid and nonrefundable trip payments and additional transportation costs if you must interrupt your trip if you become sick with COVID-19 during your trip and your physician determines you can no longer continue your trip.

COVID-19 Accident and Sickness Medical Expense Coverage

Reimburses you for medical costs you incur if you unexpectedly contract Covid-19 during your trip.

COVID-19 Trip Delay Coverage

Reimburses meals, local transportation, and lodging (if not paid by a common carrier or other party) if you’re delayed at least six consecutive hours because you are quarantined.

Visit our Coronavirus FAQs to learn more about coverage for COVID-19

Seven Corners Trip Protection Basic
Covers up to 10 travelers

Seven Corners Trip Protection Choice
Covers up to 10 travelers and offers group options**

Trip Cancellation

Benefits

Maximum Benefit Amount

Trip Cancellation1
Up to 100% of non-refundable insured Trip Cost (Up to $30,000 per person)
Up to 100% of non-refundable insured Trip Cost (Up to $100,000 per person)
Optional Cancel for Any Reason1 (CFAR)
Up to 75% of your non-refundable insured Trip Cost. Buy this optional benefit within 20 days of the date your initial trip deposit is received and within 15 days of payment for any subsequent Travel Arrangements added to your trip. Additional costs and terms apply.
Up to 75% of your non-refundable insured Trip Cost. Buy this optional benefit within 20 days of the date your initial trip deposit is received and within 15 days of payment for any subsequent Travel Arrangements added to your trip. Additional costs and terms apply.
Trip Interruption/Delay

Benefits

Maximum Benefit Amount

Trip Interruption2
Up to 100%
Up to 150%
Optional Trip Interruption for Any Reason (IFAR)2
Up to 75% of your non-refundable insured Trip Cost. Buy this optional benefit within 20 days of the date your initial trip deposit is received and within 15 days of payment for any subsequent Travel Arrangements added to your trip. Additional costs and terms apply.
Up to 75% of your non-refundable insured Trip Cost. Buy this optional benefit within 20 days of the date your initial trip deposit is received and within 15 days of payment for any subsequent Travel Arrangements added to your trip. Additional costs and terms apply.
Trip Delay (6 Hours)
Up to $200 per day per person (Up to a maximum of $600)
Up to $250 per day per person (Up to a maximum of $2,000)
Missed Tour or Cruise Connection
(3 Hours)
Up to $250 per day (Up to a maximum of $500)
Up to $250 per day (Up to a maximum of $1,500)

Medical Expense Protection

Benefits

Maximum Benefit Amount

Emergency Accident & Sickness Medical Expense
Up to $100,000Secondary Coverage3
Up to $500,000Primary Coverage3
Emergency Dental
Up to $750
Up to $750
Emergency Evacuation Coverages

Benefits

Maximum Benefit Amount

Medical Evacuation & Repatriation of Remains
Up to $250,000
Up to $1,000,000
Primary Coverage3
Emergency Medical Evacuation
Included
Included
Medical Repatriation
Included
Included
Repatriation of Remains
Included
Included
Transportation of Children
Included up to $1,000
Included up to $1,000
Transportation to Join You
Included up to $1,000
Included up to $1,000
Political or Security Evacuation
Not Included
$20,000
Pre-Existing Medical Condition Exclusion Waiver
Pre-Existing Medical Condition Exclusion Waiver
Not Included
Coverage for pre-existing conditions can be provided if you meet the requirements in the plan document. If you provide $0 as your trip cost, the Pre-Existing Medical Condition exclusion applies
Protection for your Belongings

Benefits

Maximum Benefit Amount

Baggage and Personal Effects
$500(Subject to per item limit of $250)
$2,500(Subject to per item limit of $250)
Passport, Visa or Other Travel Documents Replacement
Not included
Up to $200
Credit Card Charges and Interest
Up to $50
Up to $50
Items Subject to Special Limitations
$500 maximum combined
$1,000 maximum combined
Baggage Delay (6 hours)
Up to $100 per day(Up to a maximum of $500)
Up to $100 per day(Up to a maximum of $500)
Other Benefits

Benefits

Maximum Benefit Amount

Single Supplement
Up to 100% of Trip Cost(Up to a maximum of $500)
Up to 100% of Trip Cost(Up to a maximum of $500)
Change Fee
Up to $75
Up to $300
Frequent Traveler Reward
Not Included
Up to $500
Pet Kennel
Not Included
Up to $100 per day(Up to a maximum of $500)
Accidental Death & Dismemberment Benefits 24-Hour Other than Common Carrier
Not Included
$20,000
Accidental Death & Dismemberment Benefits Common Carrier
Not Included
$40,000
Optional Benefits
To receive this coverage, you must select each option and pay the additional cost.

Benefits

Maximum Benefit Amount

Optional Rental Car Damage
Up to $35,000
Up to $35,000
Optional Event Ticket Registration Fee Protection
Not available
Up to $15,000
Optional Sports & Golf Equipment Rental
Up to $2,500 per item(Up to a maximum of $5,000)
Up to $2,500 per item(Up to a maximum of $5,000)
Optional Cancel for Any Reason (CFAR)1
See details above.
Optional Trip Interrupt for Any Reason (IFAR)2
See details above.
24/7 Non-Insurance Travel Assistance Services
Emergency Services
Worldwide Travel Assistance

**For Seven Corners Trip Protection plans, the terms "group travel insurance," "group coverage" and "group travel protection" refer to the fact that the product has been designed for 10 or more people who are traveling together as a group. The product offered is not group insurance within the meaning of state insurance laws and is not rated on a group basis within the meaning of state insurance laws. Rather, this is a retail travel protection program that provides protection to a principal insured as well as nine or more traveling companions.

***This COVID-19 Coverage section describes how the plan benefits listed above can provide coverage related to a loss caused by COVID-19.

  1. 1If you provide $0 as your trip cost, Trip Cancellation does not apply.
  2. 2If you provide $0 as your trip cost, the Trip Interruption benefit covers return air ticket cost included up to $1,000 per person.
  3. 3Insurance provided by our plans is paid in excess of all other valid and collectible insurance or indemnity (except Trip Protection Choice’s Emergency Accident & Sickness Medical Expense and Medical Evacuation & Repatriation of Remains) or as required by state law.
    In addition:
    Montana residents receive secondary coverage for Medical Evacuation & Repatriation of Remains.
    Missouri residents receive secondary coverage for Emergency Accident & Sickness Medical Expense and Medical Evacuation & Repatriation of Remains.

Frequently Asked Questions

How this plan works

Once you complete your purchase, you will immediately receive a receipt, a summary of your benefits, an ID card, and a copy of the plan document. The plan document is the legal document that explains how your coverage works and describes all benefits and exclusions for the trip protection plan. We recommend you read your Seven Corners Trip Protection plan document, so you understand how your plan works.

The plan is available to U.S. residents up to the age of 99 years.
You can buy coverage for a one-way or round trip.

You cannot purchase this plan if you reside in one of these states: New York, Washington.

You are covered when traveling inside and outside of the United States.

Destination Restrictions: We cannot cover trips to Antarctica, Belarus, Cuba, Democratic People’s Republic of Korea (North Korea), Islamic Republic of Iran, Israel, Russian Federation, and Syrian Arab Republic.

Please call Seven Corners at 800-335-0611 if you would like to obtain additional information regarding the features and pricing of each travel plan component.

The maximum length of a trip that can be covered by Seven Corners Trip Protection Basic and Choice is 180 days. Note: There is an additional charge for days 31-180.

When Coverage Begins:

This is your Effective Date and time for Trip Cancellation and Optional Trip Cancel For Any Reason: Coverage begins at 12:01 a.m. at Your location on the day after the date We or Our authorized representative receive the required plan cost to cover your trip.

This is Your Effective Date and time for Optional Rental Car Damage: Coverage begins when You sign the Rental Car Agreement and take legal possession of the Rental Car provided You pay the required plan cost.

This is Your Effective Date and time for Trip Delay: Coverage begins after You have traveled 50 miles or more from Your Primary Residence en route to join your trip.

This is Your Effective Date and time for All Other Coverages: Coverage begins:

  1. on the date and time You depart on the first Travel Arrangement (or alternate travel arrangement if You must use an alternate Travel Arrangement to reach Your Scheduled Destination) for Your Trip.

When Coverage Ends:

Trip Cancellation and Optional Trip Cancel For Any Reason: Your coverage(s) automatically end on the earlier of:

  1. the date and time You depart on your trip; or
  2. the date and time You cancel your trip.

Optional Rental Car Damage: Coverage ends when the car is returned to the rental car company on or before the return date and time listed on the Rental Car Agreement, at Your location on the return date and time listed on the Rental Car Agreement if the car is not returned as specified on the Rental Car Agreement and the rental period has not been extended by you.

All Other Coverages: Your coverage automatically ends on the earlier of:

  1. the date you complete your trip;
  2. the scheduled return date;
  3. your arrival at your return destination on a round trip, or your scheduled destination on a one-way trip;
  4. cancellation of your trip covered by this plan.

Seven Corners Trip Protection Basic and Choice plans allow for an extension in these cases:

Automatic Extension of Coverage
All coverages will be extended if your entire trip is covered by this plan and your return is delayed due to unavoidable circumstances beyond your control. This extension of coverage will end on the earlier of the date you reach your originally scheduled Return Destination or 10 days after the originally scheduled return date.

Medical Evacuation and Repatriation Extension
If you incur a covered injury or sickness on your trip and a treating physician certifies you are not medically fit to travel to your return destination on your scheduled return date, the Medical Evacuation and Repatriation benefit will be automatically extended until you are medically fit to travel to your primary residence or you reach the maximum benefit amount shown in the Schedule of Benefits in the plan document. This extension is not available to Montana residents.

Accident and Sickness Medical Expense Extension
If you are hospitalized due to a covered injury or sickness on your trip and a treating physician certifies that you are not medically fit to travel to your return destination on your scheduled return date, this benefit will be extended for an additional 30 days (14 days for Missouri residents), or until you are released from the hospital and medically fit to travel, or you reach the maximum benefit amount shown in the Schedule of Benefits, whichever is earlier, provided that your hospitalization goes beyond your scheduled return date. This extension is not available to Montana residents.

Free Look Period

If you are not satisfied for any reason, you may cancel your plan within 14 days (15 days for Missouri residents) from the date of purchase by providing us or our authorized representative the cancellation notice. We will refund your plan cost paid provided there has been no incurred loss; and you have not departed on your trip or filed a claim under your plan. When so returned, all coverages under your plan are invalid from the beginning. 

You can find situations and items not covered by this plan in the exclusions section of the plan document.

Underwriter

Insurance benefits for Trip Protection Basic and Choice are underwritten by United States Fire Insurance Company. C&F and Crum and Forster are registered trademarks of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2023.

About Seven Corners

We’ve been helping travelers for 30 years with travel insurance options and non-insurance travel assistance services. We’ll take care of your trip protection plan needs from start to finish — we don't outsource any of our services! Seven Corners will guide you through your purchase, provide your coverage information, answer your questions along the way, assist with your travel needs, and process your claims. Our goal is to provide you with outstanding service every step of your journey with us.

Medical Expense Benefits and Coverage

Inside the United States — You may seek treatment at any medical provider you wish.

Outside of the United States — Seven Corners has a large international directory of providers, and many of them will bill Seven Corners direct for treatment they provide. We recommend you contact us for a referral, but you may seek treatment at any facility.

Utilizing the directory does not guarantee benefits or that the treating facility will bill Seven Corners direct. We do not guarantee payment to a facility or individual until we determine the expense is covered by the plan.

Pre-existing conditions can be covered on the same basis as any other sickness by Trip Protection Choice if you meet the requirements below. They are not covered by Trip Protection Basic.

We will waive the Pre-existing Medical Condition exclusion if all of the following apply:

  1. You buy this plan within 20 days of the date your initial 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 based upon the assessment of a Physician; 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.

It’s an illness, disease, or other condition during the 60 days immediately before your coverage begins for which you or your Traveling Companion, Business Partner, or Family Member scheduled or booked to travel with You:

  1. received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute, or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or
  2. took or received a prescription for drugs or medicine. (This number 2 does not apply to a condition which is treated or controlled solely by taking prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60 days before coverage begins); 
  3. Change in prescribed medication means the dosage or frequency of a medication has been reduced, increased, stopped and/or new medications have been prescribed due to the worsening of an underlying condition that is being treated with the medication, unless the change is:
    1. between a brand name and a generic medication with comparable dosage; or 
    2. an adjustment to insulin or anti-coagulant dosage.
  4. Death resulting from a Pre-Existing Medical Condition will not be excluded. Death must occur prior to the termination date of the benefit under which the claim is being made.
Seven Corners Trip Protection Documents

Brochures

Plan Documents

This website is intended as a brief summary of benefits and services. It is not part of your plan document and does not contain a complete summary of your coverage. If there is any difference between this website and your plan document, the provisions of the plan document will prevail. Benefits and plan costs are subject to change.

Disclaimer: This website contains highlights of the plans developed by Seven Corners, Inc., which include travel insurance coverages underwritten by United States Fire Insurance Company, Principal Office located in Morristown, New Jersey, under form series T7000 et al, T210 et al and TP-401 et al, and non-insurance Travel Assistance Services provided by Seven Corners Inc. The terms of insurance coverages in the plans may vary by jurisdiction and not all insurance coverages are available in all jurisdictions. Insurance coverages in these plans are subject to terms, limitations and exclusions, including an exclusion for pre-existing medical conditions. CA DOI toll free number is 800-927-4357. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Seven Corners, Inc. 303 Congressional Drive, Carmel, IN 46032; Toll free 1-800-335-0611, Worldwide 317-575-2652, Collect 317-818-2809; customerservice@sevencorners.com, California Agent Number 0E61910. While Seven Corners, Inc. markets the travel insurance in these plans on behalf of USF, non-insurance components of the plans were added to the plans by Seven Corners, Inc., and Seven Corners, Inc. does not receive compensation from USF for providing the non-insurance components of the plans. 

20240221-3343066

Seven Corners

303 Congressional Blvd.

Carmel, Indiana 46032

Careers

Contact Us

Connect

Copyright © 2024 Seven Corners Inc. All rights reserved.

Privacy  |  Cookies  |  Terms of Use  |  Security