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Seven Corners Trip Protection Basic & Choice

Our travel insurance protects trip expenses, medical expenses, and baggage for one-way and round trips in the USA and abroad.

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How does a trip protection plan help travelers?

Travelers often search for flight travel insurance, cruise insurance, and protection for medical expenses incurred while traveling overseas. No matter where your travels may take you, you can protect your investment with our domestic and international travel insurance.

Why should I buy Cancel for Any Reason?

Seven Corners Trip Protection includes trip cancellation coverage which allows you to cancel your trip for a list of covered reasons. If you want the option to cancel your trip for any reason you wish, you must add CFAR.

Not sure what CFAR is? Watch this short video and see how CFAR works if you have to unexpectedly cancel your trip.

Is COVID-19 coverage included?

Yes! Our plan includes benefits that protect you and your trip for COVID-19. View these benefits.

Confused about calculating your trip cost?

We ask for your trip cost when we provide a quote for coverage, and it should include nonrefundable expenses for airfare, a cruise, hotel, entertainment, excursions, house/condo rental, and other similar expenses.

It’s important to know how to calculate the cost of your trip for travel insurance.

When should you buy travel insurance?

It’s best to buy your plan as soon as possible after you make your first payment or deposit for your trip. Why? Certain benefits such as 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 the specified time.

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.

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*

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 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 Coverage

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

COVID-19 Travel Delay Coverage

Reimburses meals, local transportation, and lodging (if not paid by a common carrier or other party) if you’re delayed at least 6 consecutive hours because you are quarantined.

COVID-19 Extension of Coverage

For plans purchased prior to July 11, 2023 only, coverage is extended for the duration of a COVID-19 quarantine and five additional days following the quarantine if you have not arrived at your return destination. For plans purchased on or after July 11, 2023, our FAQ below explains how you can extend your plan.

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

Trip Cancellation

Trip Cancellation¹

Up to 100% of total Trip Cost (Up to $30,000 per person)

Up to 100% of total Trip Cost (Up to $100,000 per person)

Optional Cancel for Any Reason¹ (CFAR)

Up to 75% of your nonrefundable Trip Cost. Buy this optional benefit within 20 days of the date your initial trip deposit is received.

Trip Interruption/Delay

Trip Interruption²

Up to 100%

Up to 150%

Optional Trip Interruption for Any Reason (IFAR)²

Up to 75% of your nonrefundable Trip Cost. Buy this optional benefit within 20 days of the date your initial trip deposit is received.

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 Protection

Emergency Accident & Sickness Medical Expense

Up to $100,000Secondary Coverage³

Up to $500,000Primary Coverage³

Emergency Dental

Up to $750

Emergency Evacuation Coverages

Medical Evacuation & Repatriation of Remains Details

Up to $250,000

Up to $1,000,000
Primary Coverage³

Emergency Medical Evacuation

Included

Medical Repatriation

Included

Repatriation of Remains

Included

Transportation of Children

Included up to $1,000

Transportation to Join You

Included up to $1,000

Political or Security Evacuation

Not Included

$20,000

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, there is no coverage for pre-existing conditions.

Protection for your Belongings

Baggage and Personal Effects Details

$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

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)

Other Benefits

Single Supplement

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.

Optional Rental Car Damage

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)

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 Montana residents: You will receive secondary coverage for Medical Evacuation & Repatriation of Remains. Please also review the Montana plan document for trip cancellation and trip interruption covered reasons that apply to your coverage.

*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 9 or more traveling companions.

¹If you provide $0 as your trip cost, Trip Cancellation does not apply.
²If you provide $0 as your trip cost, the Trip Interruption benefit covers return air ticket cost included up to $1,000 per person.
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.

Trip Cancellation Triggers

Death

1. Your, a Family Member’s, a Traveling Companion’s or Business Partner’s death that occurs before departure on Your Trip.

Sickness or Injury

2. Your, a Family Member’s, a Traveling Companion’s or Business Partner’s Sickness or Injury, that:
a. occurs before departure on Your Trip;
b. is examined and treated by a Physician prior to cancellation; and
c. as certified by a Physician, results in medical restrictions so disabling as to cause You to cancel Your Trip.

Sickness or Injury of Your Business Partner must be so disabling as to reasonably cause You to cancel Your Trip to assume daily management of the business.

Pregnancy Complications

3. You or Your Traveling Companion have Complications of Pregnancy, which is verified by medical records and occurs after the Effective Date of coverage;

Financial Insolvency or Default

4. The Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including Travel Supplier, a Common Carrier, or other travel entity that causes a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than 14 days following Your Effective Date for Your Trip Cancellation benefit. Benefits will be paid due to Financial Insolvency or Financial Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination;

Traffic Accident en Route to Departure

5. You or Your Traveling Companion are directly involved in a traffic accident, while en route to Your Scheduled Trip Departure City. The traffic accident must be documented by a police report;

Common Carrier Mechanical Breakdown

6. Mechanical breakdown/equipment failure of a Common Carrier on which You are scheduled to travel that causes a cancellation or delay of Your or Your Traveling Companion’s travel for at least 48 consecutive hours provided no alternative Travel Arrangements were available;

Airport Shutdown by Local Authorities

7. Mandated shutdown by local government authorities of travel services of an airport or air traffic control system resulting in the complete cessation of services other than terrorism or act of war for at least 48 consecutive hours of Your Common Carrier;

Airport Shutdown due to Fire or Power Outage

8. Shutdown of the air traffic control system or an airport due to fire or power outage from which You are scheduled to depart resulting in the complete cessation of services other than terrorism or act of war for at least 48 consecutive hours of Your Common Carrier;

Natural Disaster Evacuation at Departure City or Destination

9. Due to a Natural Disaster, a mandatory evacuation is ordered by local government authorities at Your Scheduled Trip Departure City or Scheduled Destination which prevents You from traveling to/arriving at Your Scheduled Trip Departure City or Scheduled Destination. This benefit only applies if the plan has been purchased during the Time Sensitive Period;

Strike

10. An unannounced Strike results in a complete cessation of services for at least 48 consecutive hours of a Common Carrier on which You or Your Traveling Companion are scheduled to travel;

Inclement Weather

11. Inclement Weather that causes a complete cessation of services, or closure of public roadways by local government authorities, for at least 48 consecutive hours of a Common Carrier on which You or Your Traveling Companion are scheduled to travel;

Primary Residence or Destination Accommodations Uninhabitable

12. Your or Your Traveling Companion’s Primary Residence or Scheduled Destination Accommodations are made Uninhabitable and remain Uninhabitable during Your Trip or are inaccessible by the mode of transportation as shown on the travel documents or itinerary within 30 days of Your Scheduled Departure Date by a Natural Disaster, vandalism or burglary.
Coverage for a hurricane applies only if You purchased insurance prior to the tropical storm first being upgraded to a hurricane. Claims are not payable if a hurricane is foreseeable prior Your Effective Date for Trip Cancellation. A hurricane is foreseeable on the date it becomes a named storm. We will only pay the benefits for losses occurring within 30 days after the named hurricane renders Your Scheduled Destination Uninhabitable or inaccessible. This coverage applies only if You purchased the plan within the Time Sensitive Period;

Hurricane Warning or Watch

13. Your Scheduled Trip Departure City or Scheduled Destination is under a hurricane warning or hurricane watch as issued by the NOAA Hurricane Center within 24 hours of Your Scheduled Departure Date. Cancellation of Your Trip must occur more than 14 days following Your Effective Date of coverage for Trip Cancellation;

Hijack/Quarantine*

14. You or Your Traveling Companion are hijacked or Quarantined;

Subpoena/Court Order/Jury Duty/Witness

15. You or Your Traveling Companion are subpoenaed, served with a court order, required to serve on a jury or required to appear as a witness in a legal action, provided You or Your Traveling Companion are not: 1) a party to the legal action; except 2) appearing in a law enforcement capacity;

Military Duty for Natural Disaster

16. You or Your Traveling Companion are called to active military duty or emergency service as a reservist, either to serve or to provide aid or relief in the event of a Natural Disaster;

Military Leave Revoked or Reassigned

17. Your or Your Traveling Companion’s previously granted military leave is revoked or reassigned for reasons due to war or an act of war or for reasons other than for war. Official written revocation/re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required. The military leave for the dates of travel must have been approved prior to the Effective Date of Trip Cancellation coverage and the leave revoked or reassigned after the Effective Date of Trip Cancellation coverage;

Host Unable to Provide Accommodations

18. Your Host at Your Scheduled Destination being unable to provide Accommodations due to a life-threating Sickness or Injury, or due to his/her death. You must provide official documentation of the event;

Terrorist Incident

19. A Terrorist Incident occurs before Your Trip:
1. within 30 days of Your Scheduled Departure Date in the Scheduled Trip Departure City or in a city listed on the scheduled itinerary of Your Trip.
Provided Your Travel Supplier (if applicable) did not offer a substitute itinerary. Losses resulting from a cancellation due to a potential Terrorist Incident are not covered, even if the cancellation is due to the issuance of travel advisories, bulletins or alerts. The terrorist incident must be documented in a travel alert or travel warning for levels 4 and higher issued by the United States Department of State advising Americans to avoid that certain country;

Passport, Visa, or Travel Document Theft

20. Documented theft of Your passports or travel documents or visas within 14 days of the Scheduled Departure Date specifically required for Your Trip. A police report must substantiate the theft;

Felonious Assault

21. You or Your Traveling Companion are the victim of a Felonious Assault within 10 days prior to the Scheduled Departure Date;

Travel Alert, Evacuation Order, or Travel Ban

22. a travel alert or travel warning for levels 4 and higher or an evacuation order is issued after Your Effective Date for Trip Cancellation, to a destination specifically listed on Your Itinerary. The travel alert/warning, etc. must occur within 30 days of the scheduled Departure Date. For up-to-date information refer to the U.S. State Department website at https://travel.state.gov/content/travel/en/traveladvisories/traveladvisories.html;

Involuntary Employment Transfer

23. You or Your Traveling Companion have an involuntary transfer of employment within the same organization of 100 or more miles which requires Your or Your Traveling Companion’s Primary Residence to be relocated. Provided that You or Your Traveling Companion have been an active employee with the same employer for at least 1 continuous year. Notification of the transfer must occur after the Effective Date of Your Trip Cancellation Coverage. This provision is not applicable to temporary or seasonal employment, independent contractors, freelancer or self-employed persons;

Terminated or Laid Off from Employment

24. You or Your Traveling Companion are involuntarily terminated or laid off from Your or their employment. The termination notice must occur at least 30 days after Your Trip Cancellation Effective Date. You or Your Traveling Companion must have been an active employee with the same employer for at least 1 continuous year. This provision is not applicable to temporary or seasonal employment, independent contractors, freelancer or self-employed persons.

Trip Interrupt Triggers

Death

1. Your, a Family Member’s, or a Traveling Companion’s, or a Business Partner’s death, which occurs while You are on Your Trip.

Sickness or Injury

2. Your, a Family Member’s, or a Traveling Companion’s, or a Business Partner’s Sickness or Injury, that:
a. occurs while You are on Your Trip;
b. is examined and treated by a Physician prior to the time of interruption; and
c. as certified by a Physician, results in medical restrictions so disabling as to prevent Your continued participation on Your Trip.
Sickness or Injury of Your Business Partner must be so disabling as to reasonably cause You to interrupt Your Trip to assume daily management of the business.

Pregnancy Complications

3. You or Your Traveling Companion have Complications of Pregnancy which is verified by medical records and occurs while You or Your Traveling Companion are on Your Trip;

Common Carrier Mechanical Breakdown

4. A mechanical breakdown/equipment failure of a Common Carrier on which You or Your Traveling Companion are scheduled to travel that causes complete cessation or delay of You or Your Traveling Companion’s travel for at least 48 consecutive hours provided no alternative Travel Arrangements were available;

Airport Shutdown by Local Authorities

5. A local government mandated shutdown of travel services of an airport or air traffic control system resulting in the complete cessation of services other than terrorism or act of war for at least 48 consecutive hours of Your Common Carrier;

Airport Shutdown due to Fire or Power Outage

6. Shutdown of the air traffic control system or an airport due to fire or power outage from which You are scheduled to depart or to make a connection resulting in the complete cessation of services other than terrorism or act of war for at least 48 consecutive hours of Your Common Carrier;

Natural Disaster or Hurricane Evacuation at Departure City or Destination

7. Mandatory evacuation ordered by local government authorities at Your Scheduled Trip Departure City or Scheduled Destination due to a Natural Disaster or hurricane named after the Effective Date of Your Trip Interruption benefits which prevents You from traveling to/arriving at Your Scheduled Trip Departure City or Scheduled Destination;

Strike

8. An unannounced Strike resulting in complete cessation of travel services for at least 48 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel;

Traffic Accident en Route to Departure

9. You or Your Traveling Companion are directly involved in and are delayed due to a traffic accident, while en route to Scheduled Destination or Return Destination. The traffic accident must be documented by a police report;

Inclement Weather

10. Inclement Weather that causes a complete cessation of services, or closure of public roadways by local government authorities, for at least 48 consecutive hours of a Common Carrier on which You or Your Traveling Companion are scheduled to travel;

Primary Residence and Destination Accommodations Uninhabitable

11. Your or Your Traveling Companion’s Primary Residence or Scheduled Destination Accommodations are made Uninhabitable and remain Uninhabitable during Your Trip or are inaccessible by the mode of transportation as shown on the travel documents or itinerary by a Natural Disaster, vandalism or burglary.
Coverage for a hurricane applies only if insurance was purchased prior to the tropical storm first being upgraded to a hurricane. Claims are not payable if a hurricane is foreseeable prior Your Effective Date for Trip Interruption. A hurricane is foreseeable on the date it becomes a named storm. We will only pay the benefits for losses occurring within 30 days after the named hurricane renders Your Scheduled Destination Uninhabitable or inaccessible. This benefit only applies if You purchased this policy within the Time Sensitive Period;

Hurricane Warning or Watch

12. Your Scheduled Destination is under a hurricane warning or hurricane watch, as issued by the NOAA Hurricane Center, after Your Scheduled Departure Date;

Hijack/Quarantine*

13. You or You Traveling Companion are hijacked or Quarantined;

Subpoena/Court Order/Jury Duty/Witness

14. You or Your Traveling Companion are subpoenaed, served with a court order, required to serve on a jury or required to appear as a witness in a legal action, provided You or Your Traveling Companion are not: 1) a party to the legal action; except 2) appearing in a law enforcement capacity;

Military Duty for Natural Disaster

15. You or Your Traveling Companion are called to active military duty or emergency service as a reservist, either to serve or to provide aid or relief in the event of a Natural Disaster;

Military Leave Revoked or Reassigned

16. Your or Your Traveling Companion’s previously granted military leave is revoked or reassigned for reasons due to war or an act of war or for reasons other than for war while You or Your Traveling Companion are on the Trip and You or Your Traveling Companion have to interrupt the Trip. Official written notice of the revocation or re-assignment by a supervisor or commanding officer of the appropriate branch of service will be required. The military leave for the dates of travel must have been approved prior to the Effective Date of Trip Interruption coverage and the leave revoked or reassigned after the Effective Date of Trip Interruption coverage;

Host Unable to Provide Accommodations

17. Your Host at Your Scheduled Destination being unable to provide Accommodations due to a life-threating Sickness or Injury, or due to his/her death. Official documentation of the event must be provided;

Terrorist Incident

18. A Terrorist Incident that occurs during Your Trip:
a. in a city listed on the scheduled itinerary of Your Trip; or
b. provided Your Travel Supplier (if applicable) did not offer a substitute itinerary.
Losses resulting from interruption due to a potential Terrorist Incident are not covered, even if the interruption is due to the issuance of travel advisories, bulletins or alerts. The Terrorist Incident must be documented in a travel alert or travel warning for levels 4 and higher issued by the United States Department of State advising Americans to avoid travel to that particular country;

Passport, Visa, or Travel Document Theft

19. A theft or loss of passports or travel documents or visas while on Your Trip, specifically required for Your Trip, which is substantiated by a police report;

Felonious Assault

20. You or Your Traveling Companion are the victim of a Felonious Assault while on Your Trip;

Travel Alert, Evacuation Order, or Travel Ban

21. A travel alert or travel warning for levels 4 and higher or an evacuation order is issued, after Your Effective Date of Your Trip Interruption Coverage, to a Scheduled Destination specifically listed on Your Itinerary. The travel alert/warning, etc. must occur during Your scheduled Trip. For up-to-date information refer to the U.S. State Department website at https://travel.state.gov/content/travel/en/traveladvisories/traveladvisories.html;

Involuntary Employment Transfer

22. You or Your Traveling Companion have an involuntary transfer of employment within the same organization of 100 or more miles which requires Your or Your Traveling Companion’s Primary Residence to be relocated and You or Your Traveling Companion have to interrupt the Trip. Provided that You or Your Traveling Companion have been an active employee with the same employer for at least 1 continuous year. Notification of the transfer must occur while You or Your Traveling Companion are on the Trip and the transfer must occur during the Trip. This provision is not applicable to temporary employment, seasonal employment, independent contractors, freelancer or self-employed persons;

Terminated or Laid Off by Employer

23. You or Your Traveling Companion are involuntarily terminated or laid off by Your or Your Traveling Companion’s employer while You are on Your Trip. You or Your Traveling Companion must have been an active employee with the same employer for at least 1 continuous year. This provision is not applicable to temporary employment, seasonal employment, independent contractors, freelancer or self-employed persons;

Financial Insolvency or Default

24. Financial Insolvency or Financial Default of an entity that directly provides Travel Arrangements, including Travel Supplier, Common Carrier or other travel entity that cause a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than 14 days following Your Effective Date for Trip Interruption. Benefits will be paid due to Financial Insolvency or Financial Default of an airline only if no alternate transportation is available. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your Scheduled Destination;

Unable to Continue Trip Due to Injury or Sickness

25. If You cannot continue on Your Trip due to a covered Injury or Sickness not requiring Hospitalization and You must extend Your Trip due to medically imposed restrictions, as certified by a treating Physician, benefits will be paid for additional hotel nights, meal(s) and local transportation expenses until You are Medically Fit to Travel up to $100 per day, limited to 10 days and a maximum of $1,000.

Trip Delay Triggers

Traffic Accident en Route to Departure

1. You or Your Traveling Companion are not directly involved in and are delayed due to a traffic accident, while en route to Your Scheduled Trip Departure City or Scheduled Destination. The traffic accident must be documented by a police report;

Common Carrier Delay

2. Common Carrier delay. (the delay must be documented by a Common Carrier);

Passport/Travel Document Theft

3. A theft or loss of passports or travel documents or visas specifically required for Your Trip substantiated by a police report or the copy of the request for a new passport, or travel documents or visas;

Hijack/Quarantine*

4. You or You Traveling Companion are hijacked or Quarantined;

Strike

5. An unannounced Strike resulting in a complete cessation of services for at least 6 consecutive hours of the Common Carrier on which You or Your Traveling Companion are scheduled to travel which prevents You from reaching Your Scheduled Destination or Return Destination;

Inclement Weather

6. Inclement Weather that causes a: delay, of a Common Carrier on which You or Your Traveling Companion are scheduled to travel which prevents You from reaching Your Scheduled Destination or Return Destination;

Natural Disaster Evacuation at Departure or Destination

7. Due to a Natural Disaster, a mandatory evacuation order by local government authorities at Your Scheduled Trip Departure City or Scheduled Destination or Return Destination is issued which prevents You from traveling to/arriving at Your Scheduled Trip Departure City or Scheduled Destination or Return Destination.

Missed Connection Triggers

Common Carrier Delay, Cancellation, or Mechanical Breakdown

1. any delay, cancellation or mechanical breakdown of regularly scheduled Common Carrier must be documented by the Common Carrier;

Inclement Weather

2.Inclement Weather that is documented;

Quarantine*, Hijacking, Strike, Natural Disaster, Terrorism, Civil Disorder, or Riot

3.Quarantine, hijacking, Strike, Natural Disaster, terrorism or Civil Disorder or Riot.

*Quarantined means You or Your Traveling Companion, Family Member, Business Partner are forced into medical isolation by a recognized government authority, their authorized deputies, medical examiners or Physician to prevent the spread of the disease due to You or Your Traveling Companion, Family Member, Business Partner either having, or being suspected of having a contagious disease, infection or contamination. An embargo preventing You or Your Traveling Companion, Family Member, Business Partner from entering a country is not a quarantine.

AH-4001

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 travel insurance 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: Missouri, New York, Pennsylvania, 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 premium 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 premium.

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:

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:

the date and time You depart on Your Trip; or
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:

the date you complete Your Trip;
the scheduled return date;
your arrival at your return destination on a round trip, or your scheduled destination on a one-way trip;
cancellation of your trip covered by this policy.

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.

COVID-19
For plans purchased prior to July 11, 2023 only: coverage can be extended for the duration of a COVID-19 quarantine and five additional days following the quarantine if you have not arrived at your return destination.

Primary and Secondary Medical Coverage

The Trip Medical Insurance in the Trip Protection Choice plan provides primary coverage, and the Trip Medical Insurance in the Trip Protection Basic plan provides secondary (excess) coverage.
Also, the Medical Evacuation & Repatriation of Remains benefit in Trip Protection Choice provides primary coverage. The Basic plan does not.

Excess Insurance Coverage

Insurance 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. If at the time of the occurrence of any loss payable under our plans there is other valid and collectible insurance or indemnity in place, we shall be liable only for the excess of the amount of loss, over the amount of such other insurance or indemnity, and applicable deductible. Recovery of losses from other parties does not result in a refund of your plan cost paid. 

14 Day Free Look Period

If you are not satisfied for any reason, you may cancel your plan within 14 days 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; 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 2022.

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 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:

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

If you provide $0 as your trip cost, there is no coverage for pre-existing conditions.

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:

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
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); 
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.

Seven Corners Trip Protection Documents

Brochures

Plan Documents

Trip Protection Basic

Trip Protection Choice

Trip Protection Choice Group

AH-3912, AH-4001

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.

This advertisement contains highlights of the plans, which include travel insurance coverages underwritten by the United States Fire Insurance Company under form series T7000 et.al., T210 et. al. and TP-401 et. al. The Crum & Forster group of companies is rated A (Excellent) by AM Best 2022. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. The plans also contain non-insurance Travel Assistance Services provided by Seven Corners, Inc. Coverages may vary and not all coverage is available in all jurisdictions. Insurance coverages are subject to the terms, limitations and exclusions for pre-existing conditions.

CA DOI toll free number: 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. Carmel, IN 46032 USA 1-800-335-0611, 317-575-2652, 317-818-2809 CUSTOMERSERVICE@SEVENCORNERS.COM ; California license # 0E61910

303 Congressional Blvd.

Carmel, Indiana 46032

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Seven Corners Trip Protection Basic & Choice

How does a trip protection plan help travelers?

Confused about calculating your trip cost?

When should you buy travel insurance?

Trip Cancellation and Trip Interruption Benefits

Emergency Accident & Sickness Medical Expense

Emergency Evacuations

Protection for Your Belongings

Compare Trip Protection Benefits

Frequently asked questions

How this plan works

Medical Benefits and Coverage

Seven Corners Trip Protection Documents

Connect

Our Markets

Products

Resources

Agent Information

Agent Information

Seven Corners Trip Protection Basic & Choice

How does a trip protection plan help travelers?

Confused about calculating your trip cost?

When should you buy travel insurance?

Trip Cancellation and Trip Interruption Benefits

Emergency Accident & Sickness Medical Expense

Emergency Evacuations

Protection for Your Belongings

Compare Trip Protection Benefits

Covered Reasons

Trip Cancellation Triggers

Trip Interrupt Triggers

Trip Delay Triggers

Missed Connection Triggers

Frequently asked questions

How this plan works

What documents do I receive after buying travel insurance from Seven Corners?

Who can buy a Seven Corners Trip Protection Plan?

Where can I travel?

How long can I be covered by this plan?

When does coverage begin?

When does coverage end?

Can I extend my plan?

Does Seven Corners Trip Protection provide secondary or primary coverage?

Can I get a refund for this plan if I'm not satisfied?

Where can I find what is not covered by this plan?

Who provides the coverage for this plan?

Medical Benefits and Coverage

How do I find a medical provider if I am sick or hurt on my trip?

Are Pre-existing Conditions Covered?

What is a pre-existing condition?

Seven Corners Trip Protection Documents

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