Everything You Need to Know About Seven Corners Travel Insurance

Whether you’re traveling across town or around the world, medical issues, trip cancellations, flight delays, and lost luggage are always risks to consider when planning a trip. Purchasing comprehensive travel insurance offers reassurance that if anything goes wrong abroad, you have coverage to handle associated costs. In this guide, we’ll provide an overview of Seven Corners, a leading travel insurance provider offering policies with various customizable coverage options.

About Seven Corners

Founded in 1993 and based in Indianapolis, Seven Corners has grown to serve over one million customers each year with travel medical and trip cancellation policies. As one of the largest independent travel insurance providers, some key things to know about Seven Corners include:

  • Best known for individual and group travel medical plans that provide coverage if illness or injury strikes while traveling.
  • Policies can be purchased for leisure or business trips ranging from a few days to multiple years of international living.
  • In addition to medical, plans also provide trip cancellation, interruption, rental car damage, and baggage coverage riders.
  • Seven Corners partners with thousands of travel agents, tour operators, and educational exchanges globally.
  • “A” rated for financial stability by A.M. Best, an insurance ratings agency, provides policyholder assurance.

This established reputation, overseas network, and diverse policy options make Seven Corners a popular choice for customized coverage. Now let’s look at the basics of their plan types.

Individual Travel Medical Plans

The foundation of Seven Corners’ product lineup is individual travel medical plans tailored for leisure and business trips. Key aspects include:

  • Per person or family, coverage is available for trips from 5 days to 6 months in length initially.
  • Extensions are allowed if needed while abroad depending on the plan duration purchased.
  • Plan maximums range from $50,000 to $2,000,000 for medical expenses like hospitalization, prescriptions, and doctor visits.
  • Pricing depends on trip length, destinations, activities, and number of travelers insured.

With streamlined claims submission and an assistance center available 24/7, travel medical policies provide important protection if health issues or emergencies arise away from home.

Group & International Medical Plans

In addition to individual policies, Seven Corners caters to groups through tailored group plans:

  • Ideal for schools, sports teams, touring companies, and corporate travel programs requiring coverage.
  • Monthly or annual plans are offered for full-time expatriates, long-term travelers, and NGO volunteers living abroad.
  • Premiums are based on group demographics, locations, and negotiated rates for mutual clients.
  • Specialists are available to design customized benefits meeting business needs like liability protection.

Higher plan maximums of $5,000,000+ suit longer stay, but options exist covering even short group trips or mission trips.

Customizable Riders

Beyond core medical costs, riders provide flexibility enhancing base policy coverage:

  • Trip cancellation & interruption protects non-refundable payments if a covered reason causes travel changes.
  • Baggage delay reimbursements if luggage is held up for 12+ hours.
  • Lost or damaged baggage compensates for destroyed personal items.
  • Emergency medical evacuation pays for covered transportation if the serious injury requires a local hospital exit.
  • Cancel for any reason adds 50% coverage for trip changes made for any unforeseen circumstance.

Plans can include all applicable riders or allow building tailored packages picking benefits catering to individual risks.

Additional Assistance Programs

A renowned component of Seven Corners policies is travel assistance through four key programs:

  1. 24/7 Emergency Travel Assistance hotline for medical, legal, or travel emergencies during trips.
  2. Global Concierge for help with entertainment/activities bookings, reservations, and daily living needs while traveling.
  3. Identity Theft Resolution handles lost or stolen identification replacement during covered trips.
  4. Roadside Assistance in the US/Canada provides aid with flat tires, towing, battery jumpstarts, fuel delivery, and lockout services.

These value-adds demonstrate Seven Corners’ focus on delivering high-touch assistance before, during, and after covered trips.

Filing a Claim

Should an insured event like medical expenses or lost baggage occur, the claims process is designed for efficiency:

  • Notice to Seven Corners must be given within 90 days of any incident eligible for reimbursement.
  • Downloadable claim forms are available on the company website or can be requested via phone.
  • Submit completed forms along with documentation like invoices, hospital records, and police reports.
  • Claims are reviewed and reimbursements are issued, often within 10 days with complete submissions.
  • Live customer service assistance is offered throughout claims handling.

Focusing on expedited processing gets policyholders reimbursed promptly during or after travel disruptions.

Is Seven Corners Right For You?

In determining the most suitable travel protection for personal needs, assessing factors like travel frequency, destinations, and activities helps ensure proper coverage:

  • Frequent international travelers typically need annual plans for living/working abroad.
  • USA-only family vacations may be covered by multi-trip annual domestic plans.
  • High-risk adventurers require plans accommodating exotic hobbies.
  • Budget travelers seek affordable short-term single-trip protection.

For individuals and groups alike across all travel profiles, Seven Corners’ customizable options provide solid value through generous benefits, quality assistance services, and seamless claims handling. Comprehensive coverage allows truly enjoyable hassle-free journeys.

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