Seven Corners Trip Insurance

How it Works

Trip Cancellation And Interruption Covered Reasons

Pre-existing Medical Conditions: Elite and Choice Only

Covered if you buy this plan within 20 days of your initial trip deposit and buy coverage for all nonrefundable prepaid trip costs. You must also insure the cost of all subsequent travel arrangements within 20 days of the payment date for each of those arrangements.

What is a pre-existing condition?
It's an illness, disease or condition which you, your traveling companion, business partner, or family member booked to travel with you has 60 days before the coverage start date.

This means that during those 60 days (1) a test, exam, or treatment was received or recommended for a condition which first manifested, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or (2) prescription medication was received or taken.

Number 2 does not apply to a condition which is treated or controlled solely by taking prescription medication and which remains controlled without any change in the prescription in the 60 days before coverage begins.

Refunds

Plan costs are nonrefundable after 10-day review period.

Excess Insurance Limitation

The insurance provided by RoundTrip Economy is in excess of all other valid and collectible insurance. If at the time of loss there is other valid and collectible insurance, we are liable only for the excess of the amount of loss, over the amount of the other insurance and applicable deductible. Recovery of losses from other parties does not result in a refund of premium paid.

Your Underwriter

Insurance benefits for RoundTrip Economy, RoundTrip Choice and RoundTrip Elite are underwritten by the 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 2018.

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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.

General Exclusions and Limitations

Insurance Benefits are not payable for any loss due to, arising or resulting from:

Suicide, attempted suicide or any intentionally self-inflicted injury of you, a traveling companion, family member or business partner booked to travel with you, while sane or insane; an act of declared or undeclared war; participating in maneuvers or training exercises of an armed service, except while participating in weekend or summer training for the reserve forces of the United States, including the National Guard; riding or driving in races, or speed or endurance competitions or events; mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment); participating as a member of a team in an organized sporting competition or participating as a professional in a stunt, athletic or sporting event or competition; participating in skydiving or parachuting, parasailing, hang gliding, bungee cord jumping, extreme skiing, skiing outside marked trails or heli-skiing, mountaineering, any race, speed contests not including any of the regatta races, spelunking or caving, hot air ballooning, or scuba diving if the depth exceeds 120 feet (40 meters) or if you are not certified to dive and a dive master is not present during the dive; piloting or learning to pilot or acting as a member of the crew of any aircraft; being intoxicated or under the influence of any controlled substance unless as administered or prescribed by a legally qualified physician; the commission of or attempt to commit a felony or being engaged in an illegal occupation; normal childbirth or pregnancy (except complications of pregnancy) or voluntarily induced abortion; dental treatment (except as coverage is otherwise specifically provided herein); amounts which exceed the maximum benefit amount for each coverage as shown in the Schedule of Benefits; due to a pre-existing condition, as defined in the plan documents. The pre-existing condition limitation does not apply to the emergency medical evacuation or return of remains coverage; any amount paid or payable under any worker’s compensation, disability benefit or similar law; a loss or damage caused by detention, confiscation or destruction by customs; elective treatment and procedures; medical treatment during or arising from a trip undertaken for the purpose or intent of securing medical treatment; an assessment from a legally qualified physician advising you in writing that you, a traveling companion, family member or business partner booked to travel with you are not medically fit to travel, as defined in the plan documents, at the time of purchase of coverage for a trip.

Baggage Exclusions And Limitations

Additional Exclusions for Baggage and Personal Effects: animals; automobiles and automobile equipment; boats or other vehicles or conveyances; trailers; motors; aircraft; bicycles, except when checked as baggage with a Common Carrier; household effects and furnishings; antiques and collectors items; sunglasses, contact lenses, artificial teeth, dentures, dental bridges, retainers, or hearing aids; artificial limbs or other prosthetic devices; prescribed medications; keys, money, stamps and credit cards (except as otherwise specifically covered herein); securities, stamps, tickets and documents (except as coverage is otherwise specifically provided herein); professional or occupational equipment or property, whether or not electronic business equipment ; or telephones or PDA devices , computer hardware or software;

Additional Exclusions for Baggage and Personal Effects: Benefits are not payable for any loss caused by or resulting from: breakage of brittle or fragile articles; wear and tear or gradual deterioration; confiscation or appropriation by order of any government or custom’s rule; theft or pilferage while left in any unlocked vehicle; property illegally acquired, kept, stored or transported; your negligent acts or omissions; or property shipped as freight or shipped prior to the scheduled departure date.

Warnings

State Restrictions

Please review your plan document for specific state information which may affect benefits and/or coverage limitations.

For Louisiana residents only, please call Seven Corners, Inc. at 800-335-0611 if you would like to obtain additional information regarding the features and pricing of each travel plan component.

RoundTrip Choice is not available in these states: Alaska, Colorado, Florida, Indiana, Kansas, Massachusetts, Missouri, New Hampshire, New York, Virginia, Washington.