Seven Corners Travel Insurance Review: Is It Worth It?

This article may contain references to some of our advertising partners. Should you click on these links, we may be compensated. For more about our advertising policies, read our full disclosure statement here.

Planning a trip? There’s nothing I love more than getting out and seeing the world!

In all the excitement, though, it’s easy to forget about the “not so fun” details…like travel insurance. I mean, who wants to do all that work collecting quotes and comparing plans?

Lucky for you, we do!

We started by rounding up the best travel insurance companies for this year, then we began reviewing each one in detail. This week, we’re looking at Seven Corners and their suite of customizable travel insurance solutions.

Here we go!

Seven Corners at a Glance

• Offers customizable travel medical plans
• Comprehensive trip insurance plans include emergency medical coverage
• Single-trip and annual plans available
• Single-trip plans cover trips lasting 5 to 364 days, with some plans offering renewable coverage for up to three years
• Annual plan covers all trips lasting up to 45 days in a one-year period

Seven Corners Travel Insurance Products

Seven Corners provides a suite of travel insurance solutions, offering several options to help cover the needs of different travelers.

Travel Medical Insurance

Seven Corners offers three highly customizable travel medical plans that provide single-trip coverage outside your home country:

• Liaison Economy
• Liaison Choice
• Liaison Elite

Trip Insurance

Seven Corners’ Trip Insurance plans protect the investment you make when you book a trip – think of the non-refundable deposits and what would happen if you had to cancel last minute! These plans include a set amount of medical coverage but are less customizable. The three single-trip plans offered are:

• RoundTrip Economy
• RoundTrip Choice
• RoundTrip Elite

Annual Coverage

Frequent travelers will be pleased to learn that Seven Corners offers an annual plan that covers all trips taken in a one-year period. The plan is called Wander Frequent Traveler and includes two options: Plan A or Plan B. Plan A covers all trips lasting up to 30 days, while Plan B covers trips up to 45 days.

These are the plans we’ll focus on in today’s review, but Seven Corners really does have a travel insurance solution for every need. They also offer student plans and immigrant/visitor plans. If that sounds like something that might work for you, be sure to check out their website for more details.

Seven Corners Travel Insurance: What’s Included?

Travel Medical Insurance

When choosing a travel insurance plan, it’s important to carefully consider what’s included and how much coverage is provided. The Seven Corners travel medical plans are customizable – that means you can choose the amount of medical coverage you want and the deductible you’re comfortable paying. You can also elect to pay for hazardous sports coverage if you need it. Here are the options for each plan:

Seven Corners Travel Medical Plan Options

	Liaison Economy	Liaison Choice	Liaison Elite
Medical Maximum Options - Worldwide including the U.S.	Ages 14 days to 69 years old: $50,000; $100,000; $500,000; $1,000,000; $2,000,000; $5,000,000 Ages 70-79: $50,000 Ages 80+: $15,000	Ages 14 days to 69 years old: $50,000; $100,000; $500,000; $1,000,000; $2,000,000; $5,000,000 Ages 70-79: $50,000 Ages 80+: $15,000	Ages 14 days to 69 years old: $50,000; $100,000; $500,000; $1,000,000; $2,000,000; $5,000,000 Ages 70-79: $50,000 Ages 80+: $20,000
Medical Maximum Options - Worldwide excluding the U.S.	Ages 14 days to 69 years old: $50,000; $100,000; $500,000; $1,000,000; $2,000,000; $5,000,000 Ages 70-79: $50,000; $100,000 Ages 80+: $15,000	Ages 14 days to 69 years old: $50,000; $100,000; $500,000; $1,000,000; $2,000,000; $5,000,000 Ages 70-79: $50,000; $100,000 Ages 80+: $15,000	Ages 14 days to 69 years old: $50,000; $100,000; $500,000; $1,000,000; $2,000,000; $5,000,000 Ages 70-79: $50,000; $100,000 Ages 80+: $20,000
Deductible Options	$0; $100; $250; $500; $1,000; $2,500; $5,000	$0; $100; $250; $500; $1,000; $2,500; $5,000	$0; $100; $250; $500; $1,000; $2,500; $5,000
Coinsurance Options inside the U.S. (All Plans Pay 100% Outside the U.S.)	In PPO Network: 80% of the first $5,000, then 100% to the medical maximum. Out of PPO Network: 70% of the first $5,000, then 100% to the medical maximum	In PPO Network: 90% of the first $5,000, then 100% to the medical maximum. Out of PPO Network: 80% of the first $5,000, then 100% to the medical maximum.	In PPO Network: 100% Out of PPO Network: 90% of the first $5,000, then 100% to the medical maximum.

*Current as of December, 2018

That’s a ton of choices, am I right? Once you decide what level of medical coverage you need and what deductible works for you, these are the inclusions you’ll be looking at:

Seven Corners Travel Medical: What’s Included

	Liaison Economy	Liaison Choice	Liaison Elite
Emergency Medical Services	Usual, Reasonable and Customary to medical maximum	Usual, Reasonable and Customary to medical maximum	Usual, Reasonable and Customary to medical maximum
Waiver of Pre-Existing Condition: U.S. Residents Outside the U.S.	Ages 0-69: $25,000 Ages 70+: $5,000	Ages 0-69: $50,000 Ages 70+: $10,000	With a primary health plan Ages 0-64: To the medical maximum Without a primary health plan Ages 0-64: Up to $50,000 Ages 65+: $2,500
Acute Onset of a Pre-Existing Condition: Non-U.S. Residents in the U.S.	Ages 0-69: $15,000 Age 70+: $2,500	Ages 0-69: $30,000 Age 70+: $5,000	Ages 0-69: $50,000 Age 70+: $10,000
Dental – Sudden Relief of Pain	$100	$200	$250
Dental Accident	$500	$5,000	Medical Maximum
Emergency Medical Evacuation & Repatriation	$250,000 (Separate from Medical Maximum)	$500,000 (Separate from Medical Maximum)	$1,000,000 (Separate from Medical Maximum)
Natural Disaster Evacuation	$25,000	$50,000	$100,000
Political Evacuation & Repatriation	$10,000	$10,000	$10,000
Accidental Death & Dismemberment	$10,000 primary insured & travel companion; $2,500 child Aggregate limit of $250,000	$25,000 primary insured & travel companion; $5,000 child Aggregate limit of $250,000	$50,000 plan participant & travel companion; $10,000 child Aggregate limit of $250,000
Common Carrier Accidental Death	$20,000 primary insured & travel companion; $5,000 child Aggregate limit of $250,000	$50,000 primary insured & travel companion; $10,000 child Aggregate limit of $250,000	$100,000 plan participant & travel companion; $20,000 child Aggregate limit of $250,000
Loss of Luggage	$50 per article (max $250 per occurrence)	$50 per article (max $500 per occurrence)	$50 per article (max $1,000 per occurrence)
Trip Interruption	$2,500	$5,000	$10,000
Personal Liability	$25,000	$50,000	$100,000

*Current as of December, 2018

This table doesn’t get into all the nitty-gritty, so make sure you consult the plan certificate so you’re clear on all the details before you buy.

Note that some medical treatments must be pre-certified before Seven Corners will cover them. Basically, you’ve gotta run it by them before they’ll pay. Within the U.S., uncertified treatments that end up being covered will incur a 25% penalty (unless it’s an emergency).

>> Get a Free Travel Medical Insurance Quote from Seven Corners <<

Trip Insurance

Seven Corners offers three trip protection plans. Unlike the travel medical plans, the focus of these plans is protecting the investment you make when you plan a trip. Trip insurance protects you from financial loss in the event you have to cancel your trip last minute or have to return home suddenly after you begin your trip.

The focal point of these plans is trip cancellation and trip interruption protection, but they also offer non-customizable medical coverage. Here’s what each plan includes:

Seven Corners Trip Protection: What’s Included

	RoundTrip Economy	RoundTrip Choice	RoundTrip Elite
Trip Cancellation	100% of trip cost	100% of trip cost	100% of trip cost
Trip Interruption	100% of trip cost	150% of trip cost	150% of trip cost
Trip Delay	$250 (for delays of 12 hours)	$600 (for delays of 6 hours)	$1500 (for delays of 6 hours)
Missed Cruise/Tour Connection	$250 (for delays of 3 hours)	$1000 (for delays of 3 hours)	$1500 (for delays of 3 hours)
Change Fee	$75	$75	$75
Emergency Accident & Sickness Medical Expense	$10,000	$100,000	$250,000
Emergency Dental Expense	$750	$750	$750
Emergency Medical Evacuation/Repatriation	$100,000	$500,000	$1,000,000
Lost, Stolen, or Damaged Baggage	$500	$1,500	$2,500
Baggage Delay	$100 (more than 24 hours)	$300 (more than 12 hours)	$600 (more than 12 hours)
24-Hour AD&D	$5,000	$10,000	$25,000
Common Carrier AD&D	$10,000	$10,000	$25,000
Political Evacuation	Not included	$20,000	Not included
Pre-existing Conditions	Not included	Covered if you meet waiver criteria	Covered if you meet waiver criteria

*Current as of December, 2018

Some of these plans include upgrades including:

• Flight accident
• Rental car collision damage waiver
• Cancel for any reason
• Cancel for work reasons
• Lost ski days and equipment rental
• Lost golf rounds and equipment rental

>> Get a Free Trip Insurance Quote from Seven Corners <<

Wander Frequent Traveler

Wander Frequent Traveler is Seven Corners’ annual travel insurance solution for people who travel several times a year. Since it’s an annual plan, it covers any trip you take for a full year. You can choose coverage for trips up to 30 days (Plan A) or up to 45 days (Plan B).

The medical maximum for the Wander Frequent Traveler plan is a whopping $1,000,000 for travelers under 65. That’s per period of coverage, which means 365 days. Seniors aged 65-75 traveling inside the United States get $50,000, and those aged 70-75 traveling outside the U.S. have a $100,000 medical maximum. Travelers over 75 do not qualify for Seven Corners’ annual plan.

Unlike the single-trip travel medical plans, the Wander Frequent Traveler doesn’t come with a choice in deductible: it’s $250 for everyone.

In terms of coinsurance, for travel within the U.S. and Canada, Seven Corners pays 90% of the first $5,000 after your deductible, and then 100% up to the medical maximum. (Remember, if you’re under 65, the medical maximum is a million!). For travel outside the U.S. and Canada, they pay 100% to the medical maximum after your deductible.

Here’s what’s included with the Wander Frequent Traveler plan:

Seven Corners Wander Frequent Traveler: What’s Included	Amount Covered
Emergency Room Illness without In-Patient Hospitalization	Usual, reasonable, and customary up to the medical maximum
Hospital Room, Intensive Care, & Outpatient Medical Expenses	Usual, reasonable, and customary up to the medical maximum
Waiver of Pre-existing Medical Conditions	For U.S. citizens aged 64 and under traveling outside the U.S. and Canada: $20,000. For U.S. citizens aged 65 and over traveling outside the U.S. and Canada: $2,500
Dental – Sudden Relief of Pain	$250
Dental – Accident	$500
Emergency Medical Evacuation/Repatriation	$1,000,000 (separate from medical maximum)
Political Evacuation & Repatriation	$50,000
Trip Interruption	$5,000
Checked Baggage Loss	$500 per occurrence
Baggage Delay	$250 per occurrence
AD&D	$25,000 for primary and spouse, $5,000 per dependent child; $250,00 family maximum
Common Carrier Accidental Death	$50,000 for primary and spouse, $25,000 per child under 18; $250,000 family maximum
Hazardous Sports Coverage	Optional

*Current as of December, 2018

A Note About Pre-Existing Medical Conditions for Wander Frequent Traveler

For the purposes of this plan, a condition is pre-existing if you had symptoms or sought treatment within the last 12 months – if you’re traveling outside the U.S. and Canada. If you’re traveling within the U.S. and Canada, the look-back period is 36 months.

So, if you’re a U.S. citizen traveling outside the U.S. or Canada, you qualify for the waiver of pre-existing conditions if you have an unexpected reoccurrence. Expected treatments are not covered.

>> Get a Free Annual Travel Insurance Quote from Seven Corners <<

Seven Corners Travel Insurance: How Much?

Seven Corners travel insurance plans are all priced differently and depend on factors like your age, destination, and country/state of residence. The good news is you can get an online quote in seconds!

Let’s look at some pricing examples based on a hypothetical family of four from California, ages 40, 38, 12, and 10. Let’s say they’re taking a family vacation to Costa Rica (sounds incredible, right?)

Travel Medical Plans

For a three-week trip, the family of four would pay the following prices for the Liaison Travel plans:

• Liaison Travel Economy: $78.92
• Liaison Travel Choice: $86.48
• Liaison Travel Elite: $148.22

These quotes are based on a $250 deductible and a $50,000 medical maximum without hazardous activities insurance. Obviously, higher levels of coverage cost more.

Trip Insurance

For the same three-week trip to Costa Rica, the family of four would pay the following prices for Seven Corners’ trip insurance plans:

• RoundTrip Economy: $250
• RoundTrip Choice: $334
• RoundTrip Elite: $418

These quotes are based on a trip cost of $2,500 for each parent and $2,000 for each child. They don’t include any upgrades.

As you can see, the trip insurance plans are more expensive than the travel medical plans – this is because trip cancellation is an expensive benefit.

Wander Frequent Traveler

Pricing for the Wander Frequent Traveler plan is pretty straightforward. There are two options: Plan A and Plan B. Plan A covers all trips lasting up to 30 days in a one-year period, and Plan B covers all trips lasting up to 45 days in a one-year period.

Here’s the pricing for Plan A:

Plan A: Trips Lasting Up to 30 Days	Travel Inside the U.S.	Travel Outside the U.S.
Primary Insured	$265	$195
Spouse and 2 Children	+ $135	+ $100
Each Additional Child	+ $51	+ $39

*Current as of December, 2018

So, a family of four traveling outside the U.S. would pay $295 for a year’s coverage – that’s pretty good!

Let’s take a look at Plan B:

Plan B: Trips Lasting Up to 45 Days	Travel Inside the U.S.	Travel Outside the U.S.
Primary Insured	$320	$235
Spouse and 2 Children	+ $165	+ $120
Each Additional Child	+ $65	+ $50

*Current as of December, 2018

If the same family of four wanted coverage for trips up to 45 days in duration, they’d pay $355. Again, that’s not a bad price for a full year – providing they take a few trips during that period.

Seven Corners Travel Insurance: What Isn’t Covered?

1. Pre-existing Medical Conditions that Don’t Qualify for the Waiver

Travel insurance plans don’t usually cover pre-existing medical conditions, but some waive that exclusion under certain circumstances.

The Seven Corners plans waive the exclusion of pre-existing medical conditions for U.S. residents traveling outside the U.S. when the necessary treatment is for a sudden flare-up – not an issue that could be reasonably expected. They won’t cover treatment for an expected issue related to a condition that was pre-existing in the 12 months before the coverage period. That’s called the look-back period, and 12 months is on the long side. For travel within the U.S., the look-back is even longer at 36 months.

To qualify for the waiver with the trip insurance plans, you need to purchase your policy within 20 days of making your initial trip deposit and insure all non-refundable prepaid costs. The same applies to any travel arrangements you make for the trip later on.

2. Claims Not Received Within 90 Days

If you need to file a claim, make sure you get it in as soon as possible. You have up to 90 days to file. Otherwise, you won’t be covered.

3. Hazardous Activities Not Covered by Optional Insurance

Optional hazardous activities insurance has you covered for certain adventurous undertakings, but not all of them. For example, you’re covered for bungee jumping and jet skiing but not mountaineering. And if you don’t buy the extra coverage, there’s a whole slew of activities that won’t be covered. Make sure you read the fine print and make your plans accordingly.

4. Losses that Occur After You Fail to Depart Following Government Warnings

If you’re traveling abroad and your home country issues a warning against travel to your destination and urges travelers to return home, you won’t be covered if you don’t comply.

These are just a few exclusions you should be aware of. See the full list here.

Seven Corners Travel Insurance: Who Can Be Covered?

Seven Corners travel medical and trip insurance plans cover travelers over 14 days of age – even seniors in the 80+ club. The Wander Frequent Traveler plans covers travelers up to age 75.

Of course, available coverage and price vary with age, so be sure to get a quote online and weigh your options.

Seven Corners Travel Insurance: Pros and Cons

Pros	Cons
Travel medical plans offer customizable coverage, a choice of deductible, and robust maximums	Cannot cover residents of all states, cannot cover trips to certain destinations
No deductible for trip insurance plans	The single-trip and annual travel medical plans do not include trip cancellation
Single and multi-trip plans available	Children don’t get free coverage
Pre-existing medical condition waiver	Long look-back periods for pre-existing medical conditions (12 months outside the U.S., 36 months within)

Who Should Buy Seven Corners Travel Insurance?

Frequent Travelers – If you take a few trips a year, Seven Corners Wander Frequent Traveler plan can cover you for a whole year and save you some money.

Travelers Who Want to Customize Their Plans – Seven Corners’ travel medical plans let you choose the level of medical coverage you need and the deductible you’re comfortable with.

Travelers Who Need Trip Cancellation + Medical Coverage – If you want to protect the investment you make when booking your trip, you need trip cancellation insurance. The only Seven Corners products that include cancellation are the RoundTrip plans. Luckily, they include emergency medical coverage, too. RoundTrip Economy’s medical coverage is pretty skimpy at $10,000, but if you spring for RoundTrip Choice, you get $100,000.

Long-term Travelers – The single-trip medical plans cover trips lasting up to 364 days in duration, but if you need even longer, the Liaison Elite is renewable for up to three years.

Who Should Skip Seven Corners Travel Insurance?

Frequent Travelers Over Age 75 – The Seven Corners travel medical and trip insurance plans cover seniors of any age, but the Wander Frequent Traveler plan isn’t available past age 75.

Hardcore Thrill-Seekers – Sure, Seven Corners offers hazardous activities coverage as an optional add-on, but it’s hardly the most inclusive list. World Nomads holds that title, and if you’re planning a lot of adventurous pursuits, you might be better off checking them out.

How to Buy Seven Corners Travel Insurance

If you’re interested in a Seven Corners travel insurance plan, your first stop is going to be their website for a quick quote. If you like what you see, just click the buy button – it’s as easy as that!

How to Make a Claim

I hope you never have to make a claim, but if you do, it’s pretty easy. Visit the claims section of the Seven Corners website and find your plan name. The forms you need to complete are right there – just click to download them. Fill out your form(s), attach the required documents, and submit them however is easiest for you. You can click the “upload button” on the website (my favorite), email them, fax them, or mail them in.

Seven Corners Review: Should You Buy It?

Is Seven Corners travel insurance worth it? That depends on what you are looking for.

If customizable medical coverage is your main concern, the travel medical plans are a great and affordable buy. They don’t include trip cancellation, though, so you should opt for refundable airfare and hotel deposits if you go that route. You usually pay more for that flexibility, so it comes down to crunching the numbers.

The Seven Corners trip insurance plans are more expensive, but they include trip cancellation and medical coverage. While I wouldn’t bother with RoundTrip Economy ($10,000 in medical is just too low), making the jump to RoundTrip Choice provides a pretty comprehensive plan.

Finally, if you’re a frequent traveler, the Wander Frequent Traveler plan will be right up your alley. You get coverage for a full year and can choose between trip lengths of up to 30 days or up to 45 days in duration. This should cover most the needs of most people. Again, there’s no trip cancellation, so pay attention to your airline and hotel refund policies. This can also be covered if you pay using a credit card with decent interruption/cancellation coverage. Either way, make sure you’re covered.

I hope this Seven Corners travel insurance review was helpful. Thanks for reading and happy travels!

Protect Your Travel Dollars with Seven Corners – Whether you need international medical insurance, trip insurance, or an annual travel insurance plan, Seven Corners can help. Get a free quote here!