Protect Your Trip Cost
From booking deposits to nonrefundable fees, the cost of travel can become very expensive. What happens if you fall ill before your vacation and can no longer embark? Without trip insurance, you'll likely lose the money already spent. RoundTrip® international travel insurance can help recover expenses such as airfare, cruise deposits, hotel reservation fees, and excursions. Make sure to calculate your trip cost correctly so you buy the right amount of insurance.
Protect Your Health
Does your health insurance cover medical expenses outside your home country? Without international travel health insurance coverage, you may incur unexpected medical bills if you become sick or injured on your trip. However, with vacation medical insurance, you can get the short-term medical coverage you need.
Access to 24/7 Travel Assistance
Whether you're looking for a doctor or need an emergency medical evacuation, our multilingual assistance team, Seven Corners Assist is here to help 24-hours a day.
Protect Your Belongings
Your luggage is your home away from home, containing all your everyday essentials. When you buy travel insurance, you can check your luggage with confidence knowing that we can help replace your belongings if they are stolen, lost, or damaged during your trip.
How to Caclulate Your Trip Cost
Your trip cost may include airfare, a cruise, hotel, entertainment, excursions, house/condo rental, and other similar expenses. Include the nonrefundable portion of these items in your trip cost.
Keep a record of trip expenses as proof of payment, so you can calculate your total trip cost correctly and in case you need to file a claim. Learn more »
Geographic Restrictions
Address Restrictions — We cannot accept an address in Cuba, United States, Islamic Republic of Iran, Syrian Arab Republic, U.S. Virgin Islands, Gambia, Ghana, Nigeria, and Sierra Leone.
Destination Country Restrictions — We
cannot cover trips to Antarctica, Islamic Republic of Iran and Syrian Arab Republic and Cuba.
Important: U.S. citizens residing abroad cannot buy this plan for travel to the United States.
RoundTrip International Travel Insurance Benefits
All coverages and plan costs are shown in United States dollar amounts and are per person and period of coverage unless otherwise noted.
Covers the non-refundable, prepaid trip cost if you are unable to take your trip due to an unforeseen event.
Unforeseen Events
- Sickness, injury, or death of you, your traveling companion, family member, or business partner
- Death or hospitalization of your destination host
- Adverse weather, natural disasters or terrorist attacks, causing complete cessation of travel services
- Primary residence or destination accommodations uninhabitable due to natural or man-made disaster
- Strike causing complete cessation of your common carrier’s services (for at least 12 consecutive hours)
- You or your travel companion are hijacked, quarantined, required to serve on a jury, subpoenaed, or required to appear as a witness in a legal action
- Your job termination or layoff (must have been employed there for 3 consecutive years)
- Terrorist attack within 30 days of your departure
- Government authorities prohibit the activities you planned to do at your destination
- Mandatory evacuation at your destination due to hurricane or other natural disaster.
- Your job transfer requires relocation of your principal residence
- You or your traveling companion are a victim of felonious assault within 10 days of departure
- Vandalism or burglary of your principal residence within 10 days of departure
- Traffic accident en route to departure
- You, your traveling companion, or family member, who are military personnel, are called to emergency duty for a natural disaster (not war), or military duty within 30 days of departure
- You are active military personnel and have your leave revoked or are redeployed
- You are unable to participate in scheduled hunting, fishing, or sport expedition due to a delay or your sports equipment for 12 hours or more
Covers the non-refundable, unused portion of your remaining trip cost and the additional cost to return home or rejoin your trip due to an unforeseen event.
Pays additional cost for your per person occupancy rate if a person booked to share accommodations with you delays, cancels, or interrupts his or her trip for a covered reason and you do not cancel your trip.
Pays for additional transportation, meals, accommodations, and non-refundable, unused prepaid expenses if you are delayed for 12 hours or more en route to/from your trip.
Pays for additional transportation costs to join your departed trip due to a delay of 3 or more hours. This is secondary coverage to common carrier compensation.
Covers medical treatment for a sickness or injury which occurs during your trip.
Covers dental expenses up to $750 for an injury.
All emergency services must be coordinated by Seven Corners Assist. Failure to utilize Seven Corners Assist may result in a denial of benefits.
If medically necessary, we will arrange and pay for transportation and related medical expenses during transportation to:
- Transport you to the nearest adequate medical facilities.
- Transport you to your home country for treatment or to recover after an emergency medical evacuation.
This benefit applies regardless of whether your hospitalization is related to a pre-existing condition. These benefits must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in the denial of benefits.
If You are traveling alone with children who are unattended while you are hospitalized for more than 7 days following an Emergency Medical Evacuation, we will arrange and pay for:
- One-way economy airfare to return the children to their home country; and
- Attendant/escort services to ensure the children’s safety.
This benefit applies regardless of whether your hospitalization is related to a pre-existing condition. These benefits must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist will result in the denial of benefits.
If You are traveling alone with children who are unattended while you are hospitalized for more than 7 days following an Emergency Medical Evacuation, we will arrange and pay for:
- One-way economy airfare to return the children to their home country; and
- Attendant/escort services to ensure the children’s safety.
This benefit applies regardless of whether your hospitalization is related to a pre-existing condition. These benefits must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist will result in the denial of benefits.
When an emergency medical evacuation has occurred and you are confined to a hospital for more than 7 days, we will arrange and pay for round-trip economy class airfare for one individual of your choice from your home country to travel to and from your bedside. This reunion must be recommended by your physician. This benefit applies regardless of whether your hospitalization is related to a pre-existing condition. The Emergency Medical Reunion must be arranged by Seven Corners Assist. Failure to utilize Seven Corners Assist may result in the denial of benefits.
If you are hospitalized for more than 7 days or if your attending physician certifies you will be hospitalized more than 7 consecutive days, or if you die on the covered trip and require Return of Mortal Remains, we will pay for a single one-way economy class airfare for your spouse to fly to your primary residence. The transportation of Spouse must be arranged by Seven Corners Assist. Failure to utilize Seven Corners Assist may result in the denial of benefits.
We will pay reasonable expenses for embalming, a minimally-necessary container for transportation, shipping costs, and government authorizations to return your remains to your home country if you die while on a covered trip outside your home country. You cannot use this benefit if you use the Local Cremation or Burial benefit. This benefit applies regardless of whether the death is related to a Pre-Existing Condition.
These benefits must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist will result in the denial of benefits.
We can arrange and pay for your political evacuation and/or return to your home country via one-way economy airfare if:
- A formal recommendation is made for you to leave your host country; or
- You are expelled or declared persona non-grata by the host country.
This benefit will not apply if you did not follow a Level 3 Terrorism, Level 3 Civil Unrest, or any Level 4 Travel Advisory from the U.S. Department of State or similar warnings from authorities of your host country or home country.
These benefits must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist will result in the denial of benefits.
(outward journey only)(12-hour minimum)
If checked baggage is delayed after you reach your destination and the common carrier charges you for delivery, we will pay up to the stated amount. A copy of the delivery invoice and verification of the delay or misdirection by the Common Carrier must be provided.
$500 maximum for describe valuables
Reimburses you on a one-time basis for the cost of renting replacement sports equipment if your sports equipment is stolen or is damaged, lost, or delayed by your common carrier for 12 hours or more.
Pays for eligible court-ordered judgements or settlements that are related to the personal liability you incur from occurrences that result in injury/damage/loss of a third person and/or their property. We will also pay you for associated reasonable legal fees and out-of-pocket costs incurred with respect to determination and/or settlement of such legal liability.
*Trip cancellation is not applicable when $0 trip cost is displayed on your summary of benefits.
**$1,000 Return air ticket cost only if $0 trip cost is displayed for trip cancellation on your summary of benefits.
How RoundTrip International Travel Insurance Works
Trip Cancellation
If you cannot take your trip due to a stated unforeseen event, we pay you for:
- The amount of forfeited, nonrefundable, and unused payments or deposits you paid for your trip;
- The additional cost to you if your travel supplier cancels your trip for a covered reason and you choose to replace that travel supplier with a different one;
- The reissue fee (up to $75.00) charged by the airline for your tickets if your travel supplier cancels your trip (you must have covered the entire cost of your trip including airfare);
- Airfare cancellation charges;
- Fees incurred by you for re-depositing your frequent traveler awards (frequent flyer miles or hotel/motel rewards) into your account if your trip is cancelled for any of the unforeseen events described below.
Trip Interruption
If you cannot continue or resume your trip due to a stated unforeseen event, which occurs after your departure, we will pay you for:- The unused, nonrefundable trip arrangements you prepaid to your travel suppliers;
- Additional transportation expenses;
- Return air travel up to the lesser of the cost of an economy flight or the amount shown in the Schedule of Benefits
We will transport you to the closest adequate medical facility.
We will pay for an escort if you are disabled during your trip and your physician recommends it.
If you are hospitalized for more than 7 days following an evacuation, we will 1) transport dependent children home (with an escort if necessary) if they are traveling with you and/or 2) bring 1 person of your choice to/from your bedside if you are alone.
If we previously evacuated you to a medical facility, we will pay your airfare costs from that facility to your residence within 1 year from your original scheduled return date, less refunds from your unused transportation tickets.
We will return your spouse or domestic partner to your primary residence if you are hospitalized for more than 7 days, or if you die on the trip.
*Failure to utilize Seven Corner Assist to arrange for these services will result in the denial of benefits.Important Information
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.
This is a brief summary of benefits and services and is not your plan document. If there is any difference between this page 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 eligibility if required.
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.
Coverage Start Date
Effective Date - Your effective date is the start date of your plan. It is shown on your ID Card.
Length of Coverage
When Your Coverage Begins
(a) For Trip Cancellation: Coverage begins at 12:01 a.m. at your location on the day after your plan payment is received by us.
(b) For Trip Delay: Coverage is in force while you are en route to and from your trip.
(c) For all other benefits: Coverage begins at the later of the point and time of your departure on your scheduled departure date or your actual departure on your trip.
Coverage Expiration Date
When Your Coverage Ends Coverage is effective for the time shown on your ID Card. Your coverage will end at 11:59 p.m. local time on the earliest of the following dates:
For Trip Cancellation: Coverage automatically ends on the earlier of:
(a) The point and time of departure on your scheduled departure date; or
(b) The date you cancel your covered trip.
For all other coverages: Coverage will end at 11:59 p.m. local time on the earliest of:
(a) The scheduled return date as stated on the travel tickets;
(b) The date you return to your origination point if prior to your scheduled return date;
(c) The date you leave or change your trip (unless due to unforeseen events covered by this plan);
(d) If you extend the return date, coverage will terminate at 11:59 p.m. at your location on your scheduled return date.
Extending Your Trip Protection Coverage
All coverage under the plan will be extended, if:
(a) Your entire trip is covered by the plan: and
(b) Your return is delayed by covered reasons specified under Trip Cancellation, Trip Interruption or Trip Delay.
If coverage is extended for the above reasons, coverage will end on the earlier of:
(a) the date you reach your return destination; or
(b) 7 days after the date your trip was scheduled to be completed.
Your Underwriter
You can feel confident with RoundTrip International’s strong financial backing through Certain Underwriters at Lloyd’s, London1, with an AM Best rating of “A” (excellent).
About Your Insurance Company
Seven Corners will handle your insurance needs from start to finish. We will process your purchase, provide all documents, and handle any claims. In addition, our 24/7 in-house travel assistance team, Seven Corners Assist, will handle your emergency and travel needs. We have more than 20 years of experience serving the needs of travelers worldwide — We are here to help!
1In specific scenarios, coverage is provided by Tramont Insurance Company Limited. For details regarding Tramont, visit tramontinsurance.com
Pre-Existing Medical Conditions for RoundTrip International
Pre-existing conditions are not covered by RoundTrip International. A pre-existing condition is any accidental injury, sickness or condition of you, your traveling companion, or your family member booked to travel with you for which medical advice, diagnosis, care or treatment was recommended or received within the 60 day period ending on the effective date of this plan. Sicknesses or conditions are not considered pre-existing if the sickness or condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription.
RoundTrip International Insurance Warnings and Exclusions
Exclusions
Refer to the plan document to view exclusions.
GEOGRAPHIC RESTRICTIONS
State Restrictions – We cannot accept an address in Maryland, Washington, New York, South Dakota, and Colorado.
Country Restrictions – We cannot accept an address in Cuba, Islamic Republic of Iran, Syrian Arab Republic, United States Virgin Islands, Gambia, Ghana, Nigeria, Sierra Leone, and Democratic People’s Republic of (North Korea).
Destination Restrictions – We cannot cover trips to Antarctica, Islamic Republic of Iran, Syrian Arab Republic Cuba, and Democratic People’s Republic of Korea (North Korea).
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.
RoundTrip International Insurance Documents
RoundTrip® International
Brochure
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
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 coverage is not a general health insurance plan, but an interim, limited
benefit period, travel medical program intended for use while away from your home country.
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.