Which travel insurance plan is right for my trip?

Comparing Travel Insurance Plans: Which Is Right for Me?

  • Travel Team
Jan 11, 2018

With the variety of different types of travel insurance available, choosing the best one for your needs can be tricky. That's why it's important to compare travel insurance plans well before your trip so you can find the one that offers the right level of coverage to keep you safe and give you peace of mind.

As we dive into the different types of travel insurance, keep in mind all of the various OTHER types of insurance you [yourself or a loved one] have and what the purpose of having that insurance is.

The typical person will pay premium on the following types of insurance: 

- Health insurance (obviously, because it's the law ... in the US)
- Auto insurance (get caught without it and endure some major consequences)
- Homeowners insurance (also necessary if you want any lender to loan you hundreds of thousands of dollars for a mortgage)
- Life insurance (don't leave your significant other or dependents hanging in the unfortunate event of death)

If you're a grown adult, chances are, you pay for all of those types of insurances. And why is that? Well, for starters, it's been deemed necessary by the US government and mortgage lenders, but also, because somewhere along the line, you were convinced you needed it in the event of catastrophe.

Which begs the question: why isn't travel insurance considered one of those necessary types of insurances? Depending on who you ask, some will say it is necessary but the general population will see insurance for travelers (domestic or international) as merely an add on or a luxury. 

We aren't here to classify travel insurance as absolutely necessary.
However, all travelers need to be mindful of the risks they endure by traveling. Just as there are risks with owning a home, driving a car, or even being alive in general for that matter, traveling has its own unique risks and we (Seven Corners) are here to help mitigate those risks while you're out exploring the world.

With all that said, let us now help you choose the right plan for your next trip, we've broken down the various types of travel insurance plans below:


Trip Protection Insurance

With a trip protection plan, you'll be protected if you need to cancel, delay or interrupt your trip for a list of covered reasons (like illness, weather or injury). You'll be reimbursed for your non-refundable, prepaid trip costs, as well as unused costs and transportation costs if you need to return home early.

In addition, trip protection plans can help you replace the cost of lost, stolen or damaged luggage, as well as rental fees for specific types of sports equipment. Some plans may even offer medical coverage and other benefits, like 24/7 multi-lingual traveler assistance.

Different plans offer different levels of coverage (such as what percentage of trip costs will be reimbursed), so be sure to review your options and choose a plan that offers the right protection for your needs.

For US residents traveling inside or outside the United States, visit our RoundTrip Travel Insurance page to learn more and start your quote >>

For non-US residents traveling outside your home country, visit our RoundTrip International Trip Insurance page to learn more and start your quote >>

Visitors Health Insurance (to the USA)

The Inbound visitor insurance plans at Seven Corners (historically) have been the most popular travel insurance plans purchased. Reason being? We aren't totally sure but the fact is, millions of travelers throughout the years who have traveled inbound to the USA or have immigrated in the USA have trusted Seven Corners.

Inbound Guest is the most temporary option. If you're planning to travel to the US for less than six months (180 days) this is the plan for you. Covered individuals on this plan < 69 years of age can opt to have a $0 deductible. 

As a quick example, if you are 30 years old and plan on staying in the US from 2/1 until 7/31 (six months) and get a $0 deductible and opt for the highest level of medical maximum coverage of $120,000, you would pay an estimated $67 per month for your plan. Pretty affordable, right? 

Ready to purchase your plan? Click this link to visit the Inbound Visitor Insurance page to start your quote! >>

International Travel Medical Insurance

Travel medical plans are just what they sound like: they provide medical coverage for those traveling abroad. This is important because many health insurance plans don't cover you when you travel internationally. That means you'll be stuck with the bill if you get sick or injured on your trip. A travel medical plan can cover doctor and hospital fees, emergency transportation, dental work, accidental death and dismemberment, and more.

As with any type of travel insurance, different plans offer different levels of coverage. For example, some plans may cover pre-existing conditions, while others may not. Deductibles, medical maximum options, coinsurance options and other aspects of the plan can also vary widely, so be sure to do your homework and purchase a policy that covers all your bases.

Liaison Travel Medical Insurance is available for US and non-US citizens traveling outside of their home country. If you're ready to start your quote, click this link to head over of the quick quote page now! >>

*Note: there are state and country restrictions associated with Seven Corners' travel medical insurance plans. If your permanent address is located in Maryland, Washington (state), New York, South Dakota, or Colorado you will not be able to purchase a Liaison Travel Medical plan. 

Student Travel Insurance

A student travel insurance plan is ideal for anyone studying, teaching or doing research abroad. In many cases, it is even required by the education institution in order to participate in the program.

With a student travel policy, you can get coverage for medical expenses, emergency transportation, maternity services, emergency evacuation and much more. This coverage not only provides peace of mind for travelers, but for their families and teachers as well. If you're considering studying or teaching abroad, student travel insurance is definitely worth looking into.

As a quick example for how to get travel medical insurance for studying abroad, if you are 23 years old and plan to study abroad in Italy from 1/3 until 4/30 (approximately four months or the entire Spring semester) and opt for worldwide coverage that excludes the USA, your travel insurance plan would only cost $30 per month -- that assumes you select the (most affordable) Liaison Student Economy plan with a $0 deductible and $50,000 medical maximum. Rates will vary depending on custom plans selections.

If you're ready to secure travel health insurance for studying abroad, follow this link to our Liaison Student page! >>


If you have any questions about whether you need travel insurance and which policy is right for you, please contact us!

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