What is Travel Insurance?

Top Frequently Asked Questions

• What is travel insurance?

  Travel insurance provides several different types of benefits that are especially important for travelers. This can include coverage for:

  • Medical expenses for accidents and illnesses that occur on your trip.
  • Your trip expenses, including the nonrefundable trip payments you made for airfare, a cruise, excursions, hotels, and more.  
  • Your baggage and personal items if they are damaged, stolen, lost, or delayed.
  • Emergency medical evacuation if you become sick or hurt in an area without the medical care you need.

  Also, all travel insurance plans come with 24/7 travel assistance services from our in-house team, Seven Corners Assist. 

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• What type of travel insurance do I need?

  There are two main types of travel insurance plans:  trip protection plans and travel medical insurance plans.

  Trip Protection Insurance is important if you don’t want to lose the money you paid for your trip if you need to cancel your trip or if your trip is interrupted or delayed.

  Trip insurance reimburses you for your nonrefundable, prepaid trip costs such as airfare and hotel rooms, if you need to cancel, interrupt, or delay your trip for covered reasons.

  It also helps if you miss a cruise or tour connection or if your luggage is lost, stolen, or damaged.

  And it provides coverage for emergency medical expenses and emergency medical evacuations.

  Seven Corners provides this protection in our RoundTrip family of plans for U.S. residents, and RoundTrip International for non-U.S. residents.

  RoundTrip plans also cover medical expenses if you get sick or hurt while traveling and your personal effects and baggage if they are lost, stolen, or damaged during your trip. 

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  Travel Medical Insurance provides high limits of medical coverage to protect you when you travel outside your home country. You can choose the medical coverage limit and your deductible.

  It also includes coverage for an emergency medical evacuation if appropriate medical care is not available at your location.

  Seven Corners provides this protection in our Liaison travel medical plans.  

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• Will my credit card provide coverage for me when I travel?

  Your credit card may include limited protection for things like lost luggage or rental car protection — it really depends on the card. Some even provide a small amount of coverage for trip cancellation, usually only for a small number of triggers. The best way to know is to check with your credit card company.  

  One big difference is emergency medical evacuation. This is included in travel insurance plans, and it’s important protection if you get sick or hurt in an area without appropriate medical care. Credit cards and domestic health insurance don’t usually provide this coverage. 

• What should I do if there is an emergency while I'm traveling?

  If you have are experiencing a life-threatening medical situation, contact the local emergency services immediately and seek appropriate medical care.

  Global Emergency Number Equivalents to 911

  If you need assistance, please call the phone number on your ID card to reach Seven Corners Assist.  Seven Corners Assist is available 24/7 to provide support in the event of a medical emergency.  

• How do I file a claim?

  Find the name of your plan on your ID card and visit sevencorners.com/claims for instructions on which claim form to choose and how to file a claim.

  If we receive your claim online or via email or fax, we will send you an email to let you know we received it.

  As we work through your claim, we will reach out if we need additional information. 

• What is Cancel for Any Reason?

  Cancel for Any Reason (CFAR) is an optional benefit you can add to RoundTrip Choice or RoundTrip Elite for an additional cost. This benefit is not available in all states. Our quick quote will offer the benefit to you it if is available in your state.   
  
  CFAR pays 75% of your nonrefundable trip cost if you cancel your trip for any reason you choose. 
  
  Also, you must meet these requirements to make a CFAR claim with our RoundTrip plans:

  1. Cancel your trip 2 days or more before your scheduled departure date (your trip start date).
  2. Buy the insurance plan with CFAR coverage within 20 days of the date your initial trip deposit is received.
  3. Insure all nonrefundable prepaid trip costs (including the cost of subsequent travel arrangements added to your trip within 15 days of paying for them).

  Example:  If I make a deposit on my trip on January 1, I must buy a RoundTrip plan no later than January 21 if I want CFAR. Also, if I add additional expenses to my trip (such as excursions for a cruise), I must add them within 15 days of the day I pay for them. 
  
  CFAR only applies to trip cancellation, not trip interruption, trip delay, or missed connection. 

• Are pre-existing conditions covered?

  They are excluded from coverage. However, the exclusion is waived for RoundTrip Choice and RoundTrip Elite if you:

  1. Buy your plan within 20 days of the date your initial trip payment or deposit is received and
  2. Insure all nonrefundable prepaid trip costs and
  3. Insure the cost of subsequent travel arrangements added to your trip within 20 days of paying for those arrangements (for example, maybe you added a shore excursion to your cruise and paid for it two weeks after you paid the deposit for the cruise itself) and
  4. You are not disabled from travel when you purchase your travel protection plan.
• Are there travel destinations you do not cover?

  Yes, we do not cover trips to Antarctica, Cuba, Islamic Republic of Iran, and Syrian Arab Republic.

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