Road Trip Travel Insurance | Seven Corners
 

ARMOR Road Trip Travel Insurance

Annual protection for road trips in the U.S., Canada, and Mexico.

This plan does not cover a claim in any way caused by or resulting from: 1) Coronavirus disease (COVID-19); 2) Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2); 3) Any mutation or variation of SARS-CoV-2; or 4) Any fear or threat of 1, 2, or 3.

We’re not roadside assistance!

Here are real-life scenarios where ARMOR can help:

  • You are in a motorcycle accident while traveling from Ohio to Georgia. Due to your injuries, you cannot continue the trip, and your bike is no longer rideable. What will you do?
  • On a trip to the Grand Canyon with your children, you fall and break your leg, requiring emergency surgery. What will your children do while you’re hospitalized? What about your vehicle?

ARMOR doesn’t duplicate your roadside assistance plan — it fills in the gaps. See How »

 

Woody became seriously ill on an RV trip — watch to see how we helped him return home with his wife, pet, and RV.

ARMOR Annual Road Trip Travel Insurance Benefits

This plan pays benefits for eligible occurrences that originate during the period of coverage. All benefits listed in this Schedule of Benefits are in United States Dollar amounts. Unless otherwise indicated, all benefits are per insured person, per period of coverage, and provided up to the amount shown.

Travel by car, motorcycle, or RV for up to 30 days. Coverage begins when you’re more than 100 miles from home.

COVERAGE LENGTH AND LOCATION
Coverage Length
12 months
Coverage Area
United States, Canada, and Mexico
BENEFITS AND SERVICES
All benefits are provided regardless of whether your medical condition or death is related to a pre-existing condition.
$50,000
$50,000
$5,000 per occurrence
$50,000
This benefit is provided only if a Vehicle Return occurs.
$50,000

$200 per day, 10-day limit
$25,000 maximum

This benefit is provided only if an Emergency Medical Evacuation occurs.

$50,000
$5,000
$1,000
24/7 Travel Assistance Services
Included
$500
*Seven Corners Assist arranges these benefits. Failure to use Seven Corners Assist may result in the denial of benefits.

Review the exclusions listed in the Exclusions tab to learn about injuries and illnesses that are not covered.

How an Annual Road Trip Travel Insurance 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 our road trip insurance plan. We recommend you read your plan document, so you understand how your annual road trip insurance plan works.

What is a road trip?

For the purposes of this plan, a road trip is a trip in a vehicle that takes you more than 100 miles from your home residence and commences during your period of coverage.

A road trip does not include the following:

  1. A trip that includes a flight as a mode of transportation; or
  2. A trip that includes a cruise as a mode of transportation; or
  3. A trip that includes travel on a train or bus as the primary mode of transportation except for the use of local mass transit; or
  4. A trip taken for the purpose of conducting business; or
  5. A trip in your recreational vehicle (RV) or travel trailer when used as a home residence; or
  6. A trip taken for the purpose of receiving medical treatment.

Who Can Buy?

U.S.* and Canadian residents who are at least 14 days old and under the age of 74 years can purchase ARMOR. Everyone insured on the plan must maintain a primary health plan with continuous coverage in the country where their permanent primary residence** is located.

You may buy a plan to cover yourself, your spouse, and your unmarried children under the age of 19 years who will travel with you on your road trips.

*U.S. residents who reside in one of the 50 United States or Washington, D.C. may buy this plan.

**You will be asked to provide your permanent primary residence when you buy the plan.

Where Can I Travel?

ARMOR provides coverage while you are on a road trip more than 100 miles away from your home residence (your permanent primary residence, seasonal residence, or secondary residence).

You may travel in Canada, Mexico, and the United States, and you are covered for trips up to 30 days in length.

Does this plan cover Coronavirus?

This plan does not cover a claim in any way caused by or resulting from: 1) Coronavirus disease (COVID-19); 2) Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2); 3) Any mutation or variation of SARS-CoV-2; or 4) Any fear or threat of 1, 2, or 3.

Please be aware this plan does not provide health insurance benefits for coverage of medical expenses. It is an annual road trip travel insurance plan available for use when you are more than 100 miles away from your home residence (permanent primary residence, seasonal residence, or secondary residence).

This brochure is intended as a brief summary of benefits and services. It is not your plan document. If there is any difference between this brochure and your plan document, the provisions of the plan document will prevail. Benefits and premiums are subject to change.

It is your responsibility to maintain all records regarding travel history and age, and provide necessary documents to Seven Corners to verify your eligibility for coverage.

Review the exclusions listed in the Exclusions tab to learn about injuries and illnesses that are not covered.

Length of Coverage

Coverage Length — Your period of coverage is 12 months.

Effective Date — This is the start date of your plan, which begins on the latest of the following:

  1. 12 a.m. the day after we receive you purchase; or
  2. 12 a.m. on the date you request when you purchase your plan.

Expiration Date — This is the date coverage for you ends, which is the earliest of the following:

  1. 11:59 p.m. on the date you reach the maximum period of coverage;
  2. 11:59 p.m. on the date shown on your ID card;
  3. 11:59 p.m. on the date that is the end of the period for which you paid; or
  4. The moment you are no longer eligible for coverage.

All times above refer to United States Eastern Time.

Covered Trips — You are covered for trips up to 30 days in length.

Coverage for each road trip begins the moment you are more than 100 miles from your home residence* during your period of coverage.

Coverage for each road trip ends the earliest of the following:

  1. The certificate end date (the end of your coverage period);
  2. The moment you are within 100 miles of your home residence;
  3. The 31st day of your road trip; or
  4. The moment you are no longer eligible for coverage.
*Your home residence is your permanent primary residence, seasonal residence, or secondary residence.

Extending Your Coverage

At the end of 12 months of coverage, you may buy a new plan to cover you for your next year of travel.

We will email you a reminder to let you know your coverage is coming to an end, so you can buy a new plan.

Refund of Premium/Cancellation

We will refund your payment if we receive your written request for a refund before your effective date of coverage. We cannot provide a refund after your coverage has begun.

Please send your written request for cancellation to policy@sevencorners.com.

Excess Insurance

All coverages are in excess of all other insurance or similar benefit programs and shall apply only when such benefits thereunder are exhausted. This plan is secondary coverage to any other insurance. Such other insurance or similar benefit programs may include, but are not limited to, membership benefit; workers’ compensation benefits or programs; government programs; group or blanket coverage; prepayment coverage; union, labor, or employee plans; socialized insurance program or program otherwise required by law or statute; automobile insurance; or third-party liability insurance.

Good Faith Efforts

Seven Corners will make good faith efforts to provide the services and assistance described in this brochure. If Seven Corners is unable to do so due to circumstances beyond its control or due to circumstances that make it unsafe for persons to provide such services and assistance, then Seven Corners will provide the services and assistance to the extent reasonable and possible. If Seven Corners is unable to directly arrange services, expenses incurred by you for services that would otherwise be covered under this plan and that would typically be arranged by Seven Corners may be eligible for reimbursement and should be submitted for consideration. It is your responsibility to preserve all documentation of related financial transactions you wish to be considered for reimbursement.

Underwriter

You can feel confident with ARMOR’s strong financial backing through Certain Underwriters at Lloyd’s, London1 an established organization with an AM Best rating of A (Excellent). Your coverage will be there when you need it.

1 In specific scenarios, coverage is provided by Tramont Insurance Company Limited. For details regarding Tramont, visit tramontinsurance.com.

About Your Insurance Company

For more than 25 years, Seven Corners has protected travelers all over the world. We will handle your insurance needs from start to finish. Seven Corners will process your purchase, provide all documents, and handle any claims. In addition, our own 24/7 in-house travel assistance team, Seven Corners Assist, will handle your travel needs.

ARMOR Road Trip Travel Insurance Plan Exclusions

Unless otherwise specifically provided in the plan document , the coverage provided by ARMOR for Emergency Medical Evacuation and Repatriation, Non-Emergency Repatriation, Vehicle Return, Return of Passengers, Return of Children, Emergency Medical Reunion, Return of Mortal Remains, Local Burial or Cremation, and Pet Return, excludes expenses that are for, resulting from, related to, or incurred for the following:

  • Pre-Existing Condition(s) except as waived for Emergency Medical Evacuation and Repatriation, Non-Emergency Repatriation, Vehicle Return, Return of Passengers, Return of Children, Emergency Medical Reunion, Return of Mortal Remains, Local Burial or Cremation, and Pet Return;
  • Claims not received by the Company or Administrator within ninety (90) days of the date of service;
  • Services that exceed Usual, Reasonable, and Customary Expenses;
  • Treatment, services, or supplies that are not administered by or under the supervision of a Physician or Surgeon and products that can be purchased without a Physician’s or Surgeon’s prescription;
  • Services, supplies, medications, testing, or Treatment prescribed, performed, or provided by a Relative or Immediate Family Member;
  • Pregnancy, Illness or complications from Pregnancy, childbirth, abortion, miscarriage including that resulting from an Accident, postpartum care, preventing conception or childbirth, artificial insemination, infertility, impotency, sexual dysfunction, or sterilization or reversal thereof;
  • Mental Illness and Mental and Nervous Disorders;
  • Occupational Diseases;
  • Acquired Immune Deficiency Syndrome (AIDS), AIDS-Related Complex (ARC), or the Human Immunodeficiency Virus (HIV);
  • Hazardous Activities;
  • Injuries sustained while participating in professional Athletics, amateur Athletics, or interscholastic Athletics including, but not limited to, events, games, matches, practice, training camps, sport camps, conditioning, and any other activity related thereto but excluding non-competitive, recreational, or intramural activities;
  • Abuse, misuse, illegal use, overuse, dependency upon, or being under the influence of alcohol, drugs, chemicals, or narcotic agents unless administered under the advice of a Physician and taken in accordance with the proper dosing as directed by the Physician;
  • Suicide or any attempt thereof, self-destruction or any attempt thereof, or any intentionally self-inflicted Injury or Illness;
  • Commission of a criminal offense or any other criminal or illegal activity as defined by the local governing body;
  • You unreasonably fail or refuse to depart a country or location following the date a warning to leave that country or location is issued by the United States government or similar warnings issued by other appropriate authorities of either Your Host Country or Your Home Country;
  • Service in the military, naval, coast guard, or air service of any country or while on duty as a member of a police force or unit;
  • Treatment paid for or furnished under any other individual, government, or group policy or Expenses incurred at no cost to You;
  • Conditions for which travel was undertaken to seek Treatment;
  • Travel after Your Physician has limited or restricted travel;
  • Injury sustained while You are riding as a pilot, student pilot, operator, or crew member, in or on, boarding or alighting, from any type of aircraft;
  • Injury sustained while You are riding as a passenger in any aircraft (i) not having a current and valid Airworthy Certificate and (ii) not piloted by a person who holds a valid and current certificate of competency for piloting such aircraft;
  • Flying in any aircraft being used for acrobatic or stunt flying, racing, endurance tests, rocket-propelled aircraft, crop dusting or seeding or spraying, firefighting, exploration, pipe or power line inspection, any form of hunting or herding, aerial photography, banner towing, or any experimental purpose;
  • Participating in contests of speed or riding or driving in any type of competition;
  • Unless specifically listed herein as covered by the Plan, incidental Expenses, including but not limited to accommodations, local transportation, meals, telephone, and facsimile charges;
  • Services not otherwise shown as covered;
  • Subsequent Emergency Medical Evacuations for the same or related medical conditions, regardless of location;
  • Benefits attributable to Injury(ies) or Illness(es) that manifest prior to coverage under the Insurance portion of this contract;
  • Services covered by other valid and collectible insurance, including Medicare; or
  • Any claim in any way caused by or resulting from:
    1. Coronavirus disease (COVID-19);
    2. Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2);
    3. Any mutation or variation of SARS-CoV-2; or
    4. Any fear or threat of 1, 2, or 3 above.

ARMOR Road Trip Insurance Plan Warnings

Geographic Restrictions

State Restrictions — We cannot accept an address in Maryland, Washington, New York, South Dakota, and Colorado.

Country Restrictions — We cannot accept a permanent primary residence address outside of Canada, the 50 United States of America, or Washington, D.C.

Destination Restrictions — This plan does not cover trips outside of the United States, Canada, and Mexico.

PPACA Disclaimer

Patient Protection and Affordable Care Act: THIS IS NOT QUALIFYING HEALTH COVERAGE (“MINIMUM ESSENTIAL COVERAGE”) THAT SATISFIES THE HEALTH CARE COVERAGE REQUIREMENT OF THE AFFORDABLE CARE ACT. IF YOU DON’T HAVE MINIMUM ESSENTIAL COVERAGE, YOU MAY OWE AN ADDITIONAL PAYMENT WITH YOUR TAXES.

How to File an ARMOR Road Trip Travel Insurance Claim

For a claim to be payable, it must meet the terms and conditions in the ARMOR plan document.

If a claim form is required for your situation, you must submit it within 90 days of service.

The information required for your claims depends on your situation:

  • If we arrange your travel assistance services, there will likely be no need for you to file a claim.
  • If you make any payment toward your travel assistance services, please submit these items to us:
    1. A claim form:
    2. An itemized bill with details of services provided;
    3. Proof of any payment you made;
    4. Our payment authorization form if you paid for services.

Contact us at 800-335-0477 or claims@sevencorners.com and our team will provide you with a link to the appropriate claim form if you need to file a claim.

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 in the plan document will prevail. Benefits and premiums are subject to change. Coverage may vary and may not be available in all jurisdictions.

Please be aware this plan does not provide health insurance benefits for coverage of medical expenses. It is an annual road trip travel insurance plan available for use when you are more than 100 miles away from your home residence.

It is your responsibility to maintain all records regarding travel history, age, and provide necessary documents to Seven Corners to verify your eligibility for coverage.

24/7 Travel Assistance

1-800-690-6295

317-818-2808 (worldwide)

317-818-2809 (collect)

Includes 24 hour multilingual travel assistance, and evacuation if necessary.

Learn more

24/7 Travel Assistance

1-800-690-6295

317-818-2808 (worldwide)

317-818-2809 (collect)

Includes 24 hour multilingual travel assistance, help finding a provider, and evacuation if necessary.

Learn more