RoundTrip® Trip Insurance

Protect the cost of your trip, your medical expenses, and your belongings — for U.S. residents

Why Trip Insurance?

Protect Your Investment – If a sudden illness prevents you from taking the trip of a lifetime, this plan can help protect you from losing everything you spent on your trip.

Protect Your Medical Expenses – If you become sick or injured while traveling, your health insurance here at home may not cover it. Trip insurance helps protect against financial hardship due to unexpected medical expenses.

Protect Your Belongings – You packed important items in your luggage! We can help replace them if they are stolen, lost, or damaged during your trip.

Helpful Tips

How to Calculate 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 »

What is Cancel for Any Reason? (CFAR)

Optional coverage that pays a percentage of your trip cost if you cancel your trip for any reason not otherwise covered. Restrictions may apply. Learn more »

Destination Restrictions: We cannot cover trips to Antarctica, Islamic Republic of Iran, Syrian Arab Republic, and Cuba.

Cruise

How Does Trip Insurance Help Me

The insurance benefits give you three main types of coverages.

Know Your Plan
Cruise

When Sickness Derails Your Caribbean Cruise

How trip insurance reimburses you when you can’t travel.

Get Well
Travel Coverage

Covered Reasons

Understanding Travel Insurance Plans.

Learn More

Compare Benefits

 

RoundTrip Economy

RoundTrip Choice

RoundTrip Elite

Trip CancellationCovers your non-refundable, prepaid trip cost if you are unable to take your trip due to: Sickness, Injury or Death, Jury Duty, Quarantine, Court-Ordered Appearance, Traffic Accident, Residence Uninhabitable, Strike, Felonious Assault, Hijacking, Termination/Layoff, Weather, Terrorist Incident, Bankruptcy/Default, Military Duty for Natural Disaster Relief.

100% of Trip Cost up to $10,000

100% of Trip Cost up to $20,000

100% of Trip Cost up to $30,000

Trip InterruptionCovers the non-refundable, unused portion of your prepaid trip cost and the additional cost to return home or rejoin your trip due to: Sickness, Injury or Death, Jury Duty, Quarantine, Court-Ordered Appearance, Traffic Accident, Residence Uninhabitable, Strike, Felonious Assault, Hijacking, Termination/Layoff, Weather, Terrorist Incident, Bankruptcy/Default, Military Duty for Natural Disaster Relief.

100% of Trip Cost

150% of Trip Cost

150% of Trip Cost

Trip DelayPays for additional transportation, meals, accommodations, and non-refundable, unused prepaid expenses if you are delayed en route to/from your trip.

$250  (for delays of 12 or more hours; total payment is subject to a daily limit)

$600  (for delays of 6 or more hours; total payment is subject to a daily limit)

$1,500  (for delays of 6 or more hours; total payment is subject to a daily limit)

Missed ConnectionPays additional transportation costs to join your cruise or tour if you miss your connection due to a delay. Also covers accommodations, meals, and non-refundable trip payments for the unused portion of the cruise or tour.

$250  (delayed 3 or more hours) Covers cruises &tours.

$1,000  (delayed 3 or more hours) Covers cruises &tours.

$1,500  (delayed 3 or more hours) Covers cruises &tours.

Change FeeCovers fees associated with a change to your air itinerary.

$75

$75

$75

Medical Protection

Emergency Accident & Sickness Medical ExpenseCovers medical treatment for a sickness or injury which occurs during your trip.

$10,000

$100,000

$250,000

Emergency Dental ExpenseCovers dental expenses up to $750 for an injury.

$750

$750

$750

Emergency Medical Evacuation/RepatriationWe will: 1)Transport you to the nearest appropriate medical facility if medically necessary; 2) Return your remains to your residence if you die while traveling; 3) If you are hospitalized more than 7 days, we will a) transport dependent children home if they are traveling with you and b) Send a person chosen by you to/from your bedside if you are traveling alone.

$100,000

$500,000

$1,000,000

Baggage & Personal Belongings Protection

Lost, Stolen, or Damaged BaggageCovers loss, theft, or damage to your baggage and personal effects.

$500

$1,500

$2,500

Baggage DelayCovers checked bags if they are delayed. (This is secondary to other coverage.)

$100  (delayed more than 24 hours)

$300  (delayed more than 12 hours)

$600  (delayed more than 12 hours)

24/7 Non-Insurance Travel Assistance ServicesSeven Corners Assist is with you every step of your trip! Our 24/7 multilingual team is available to help you with travel emergencies and general travel assistance. They can arrange medical evacuations, escorts for unaccompanied children, medical record transfers and second opinions, and help you locate medical care. They can also provide interpreter referrals, help with lost passport recovery, hotel and flight re-bookings, and many other services.

Included

Included

Included

Accidental Death & Dismemberment (AD&D)

24-Hour AD&DPays benefits for death, loss of limbs, or loss of sight due to an accident occurring on your trip.

$5,000

$10,000

$25,000

Common Carrier AD&DPays benefits for death, loss of limbs, or loss of sight due to an accident which occurs when you are riding, boarding, or alighting from a common carrier.

$10,000

$10,000

$25,000

Pre-Existing Medical Condition Waiver

Pre-Exisiting ConditionsYour plan may provide this coverage for medical conditions which existed before your policy began if you meet the requirements. Plan requirements vary.

x

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. 

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. 

Political Evacuation

Political EvacuationThis benefit pays to transport you to the nearest safe place or to your primary residence if you must leave your trip because a Travel Advisory or Travel Warning is issued by the U.S. State Department for you to leave a country you are visiting due to 1)civil, military or political unrest; or 2) you being expelled or declared persona nongrata by a country you are visiting. This benefit is not available if a Travel Advisory or Travel Warning is issued before your arrival in that country or if the country is listed as an Excluded Country before your arrival there. Benefits are payable only if arrangements are made by Seven Corners Assist.

x

$20,000 (non-medical evacuation)

x

Optional Benefits

Flight AccidentPays additional accidental death and dismemberment (AD&D) benefits due to an accident occurring while you are a passenger on an aircraft.

Options: $100,000, $250,000, or $500,000

Options: $100,000, $250,000, or $500,000

Options: $100,000, $250,000, or $500,000

Rental Car Damage
Collision Damage WaiverProvides rental car coverage while you are on your trip. (Availability varies by residence state and destination.)

$35,000

$35,000

$35,000

Cancel for Any ReasonAdditional coverage you may purchase that pays a percentage of your trip cost if you cancel your trip for any reason not otherwise covered. Benefits vary by plan.

x

Pays 75% of your prepaid, non-refundable trip payments. Coverage must be purchased within 20 days of your initial trip deposit, you must cancel 2 days or more before your departure, and you must insure all nonrefundable prepaid trip costs. You must also insure the cost of subsequent travel arrangements added to your trip within 15 days of the payment/deposit for each of those arrangements.

Pays 75% of your prepaid, non-refundable trip payments. Coverage must be purchased within 20 days of your initial trip deposit, you must cancel 2 days or more before your departure, and you must insure all nonrefundable prepaid trip costs. You must also insure the cost of subsequent travel arrangements added to your trip within 15 days of the payment/deposit for each of those arrangements. (Not available to NY and Florida residents.)

Cancel for Work ReasonsThis option adds work-related covered reasons for the trip cancellation benefit. Coverage must be purchased within 20 days of your initial trip deposit.

x

Pays 100% of your trip cost.

Pays 100% of your trip cost. (Not available to Florida residents.)

Lost Ski Days &Equipment RentalPays for your lift ticket if you cannot ski because 50% or more of the trails are closed. Also pays for equipment rental if your checked sports equipment is lost, stolen, damaged or delayed 12 hours or longer. You cannot purchase both the ski and golf options on the same plan.

x

$500 ($250 ski days/$250 equipment) or $1,000 ($500 ski days/$500 equipment)

$1,000 ($500 ski days/$500 equipment) (Not available to Florida residents.)

Lost Golf Rounds & Equipment RentalPays for prepaid golf tickets or greens fees if you cannot play 9 holes of an 18-hole round due to weather. Also pays for equipment rental if your checked sports equipment is lost, stolen, damaged or delayed 12 hours or longer. You cannot purchase both the golf and ski options on the same plan.

x

$500 ($250 golf/$250 equipment) or $1,000 ($500 golf/$500 equipment)

$1,000 ($500 golf/$500 equipment) (Not available to Florida residents.)

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.

How it Works

Length of Coverage

The maximum length of coverage is 90 days. Note: There is an additional charge for days 31-90.

Trip Cancellation And Interruption Covered Reasons

  • Sickness, Injury or Death
  • Jury Duty
  • Quarantine
  • Court-Ordered Appearance
  • Traffic Accident
  • Residence Uninhabitable
  • Strike
  • Felonious Assault
  • Military Duty for Natural Disaster Relief
  • Termination/Layoff/Transfer
  • Weather
  • Terrorist Incident
  • Bankruptcy/Default
  • Natural Disaster
  • Hijacking

 

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.

Excess Insurance Coverage

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.

Refunds

Plan costs are nonrefundable after 10-day review period.

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.

About Your Insurance Company

Seven Corners1 will handle your travel medical insurance needs from start to finish. We 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 emergency or travel needs.

1Seven Corners operates under the name, Seven Corners Insurance Services, in California.

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

Geographic Restrictions

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.

Destination Country Restrictions: RoundTrip Economy, Choice and Elite cannot cover trips to Antarctica, Islamic Republic of Iran, Syrian Arab Republic, and Cuba.

 

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.

File a Claim

Trip Cancellation Claim

You were unable to depart on your covered trip.

File Cancellation Online   or Download Cancellation PDF

Trip Interruption Claim, Delay and Missed Connection Claim

You started on your trip and then had to return home due to an unforeseen event.

Download Interruption PDF

Baggage Claim

My baggage or personal property was lost, stolen, damaged, or delayed. Or, I rented sports equipment on my trip because mine was lost, stolen or damaged.

File Baggage Delay Online or Download Baggage Claim PDF

Medical Claim

Download Medical PDF

Trip Delay and Missed Connection Claim

You started your trip and were delayed more than 6 hours by a common carrier (airline, cruise line, etc.) en route to, from, or during your scheduled trip.

File Delay Online or Download Delay PDF

Car Accident Claim

I was involved in a car accident while driving a rental car on my trip.

Download Rental Car PDF

  1. Please choose the form that corresponds with your plan and the type of claim you are making. It’s possible that you may have more than one type of claim to file. Choose all appropriate options.
  2. After we review your claim, we will let you know if you need to submit additional forms:
  3. Submit all of the documents using one of these methods:

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 doctor, and evacuation if necessary.

Learn more

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