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 a legal document that explains how your coverage works, including a list of exclusions. We recommend you read your plan document, so you understand how your Trip Protection USA plan works.

The plan is available to U.S. residents up to the age of 99 years.

You cannot purchase this plan if you reside in one of these states: New York, Washington. Please review your plan document for specific state information which may affect your benefits and/or coverage.

You are covered when traveling inside the 50 United States and Washington, D.C. There is no coverage for travel to U.S. territories.

Destination Restrictions: This plan is designed to protect your travels within the United States, and your trip must be 100 miles or more from your primary residence. If you are traveling abroad, consider our Trip Protection Basic and Choice plans for international protection.

Your trip must be 100 miles or more from your primary residence to purchase this plan.

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 this plan is 90 days. Note: There is an additional charge for days 31-90.

When Coverage Begins

This is your Effective Date and time for Trip Cancellation, 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 Optional 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 ends 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/est 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.

Trip Protection USA allows for 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.

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; 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 this plan 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 more than 25 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.

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

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.

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.

Pre-existing conditions can be covered on the same basis as any other sickness by this plan if you meet the requirements below.

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 within 15 days of payment for any subsequent travel arrangements added to your trip.

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.