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Seven Corners Travel Insurance Review


ConsumersAdvocate.org Rating: 4.2 / 5 (Excellent)
35 Customer Comments & Reviews - see all comments
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Seven Corners is a privately held specialty insurance company based in Carmel, Indiana that offers a full range of coverage options for domestic and international travelers. Customers can customize coverage to suit their travel plans, their concerns and their budgets by selecting among nine plans and adding specialty riders as required. Coverage for COVID-19-related cancellations and medical expenses are included in several of the company's plans. Seven Corner's policies are underwritten by United States Fire Insurance Company and Lloyd's of London, both solid companies that are A-rated by AM Best.

How is Seven Corners rated?

Breakdown

4.5/5
Coverage
4.0/5
Extra Benefits
4.0/5
Financial Strength
4.0/5
Price & Reputation

Overall Rating: 4.2 / 5 (Excellent)

Seven Corners is an excellent choice for both domestic and international travelers. The company was recently recognized as a Five Star company by Forbes magazine and, like many other travel insurance companies, has updated its coverage to provide financial protection due to pandemic-related events.
Seven Corners has a strong consumer focus and maintains a small-company ethos, despite being backed by large financially-solid underwriters such as Lloyds of London and United States Fire Insurance Company.

While Seven Corners does not offer the same concierge services some of its competitors do, it provides the most essential types of coverage for our times, including trip cancellation, trip interruption, travel medical, and lost or delayed baggage benefits. COVID-19 related cancellations and medical treatment are covered under Seven Corners some but not all Seven Corners plans. Customers are advised to read policies carefully before choosing one.


The company recently earned a 5-star rating in Forbes magazine's review of top travel insurance companies and earns an excellent rating from users on Trustpilot.

Seven Corners Plans & Coverage

Coverage - 4.5 / 5

Seven Corners offers a choice of nine plans. With as many options as they provide, it's likely you'll be able to find one that suits your travel plans and budget.

Standard coverages, included with all policies, are trip cancellation, trip interruption, emergency medical and evacuation services, and loss of personal property. The company also protects you against weather- and terrorism-related losses and offers riders for such concerns as rental car collision coverage, sporting events cancellation due to weather, extreme sports injuries, and more.

Depending on the policy you select, your coverage limits will vary. Seven Corners' most protective plan includes coverage of $500,000 in medical expenses and $1 million in medical evacuation and repatriation costs.

Some of Seven Corner's less expensive plans do require policyholders to pay a deductible on medical expenses, ranging from $250 to $500. We also noted that Seven Corners is fairly restrictive when it comes to pre-existing medical conditions, with an unusually long look-back period of anywhere from 20 days to twelve months, depending on the policy you select. If you suffer from chronic or recurrent illness, this might be an important factor to consider.
Available Plans
Comprehensive
Trip Cancelation/ Interruption
Medical
Baggage
Accidental Death
Group
Trip Cancellation/Interruption Coverage
Injury/Illness/Death of Traveler
Natural Disaster at Destination
Terrorism/Evacuation at Destination
CFAR Coverage (Cancel for Any Reason)
Relocation or Layoff by Employer
Emergency Medical and Emergency Transportation Coverage
Doctor, Hospital, or Other Licensed Provider
Dental
Emergency Medical Evacuation/Repatriation
Transport Family Member to Bedside
Transport Children Home
Baggage Coverage
Lost/Damaged/Stolen
Baggage Delay Coverage

Emergency Medical Coverage Details

Emergency Medical Pre-Existing Condition Coverage
Maximum Emergency Medical Reimbursement
$500,000
Maximum Emergency Medical Evacuation Reimbursement
$1,000,000
Deductible for Emergency Medical Coverage

Baggage Coverage Details

Maximum Baggage Reimbursement
$2,500
Valuable Item Limit
$300
Receipts Required for Valuable items

Seven Corners Financial Strength

Financial Strength - 4 / 5

Seven Corners is a privately held company not rated by any of the big three financial rating agencies.

However, its policies are underwritten by United States Fire Insurance Company and Lloyd's of London. Both companies earn A ratings for financial strength and are considered stable entities by AM Best.
Underwriter
United States Fire Insurance Company, Lloyd's of London
Standard & Poor's Financial Rating
A+
AM Best Financial Rating
A

Seven Corners Price & Reputation

Price & Reputation - 4 / 5

Although Seven Corners does not have a rating with the BBB, it has a robust presence on TrustPilot and earns 4.1 out of 5 stars from consumers who've reviewed the company. We note that the company is diligent in responding to reviews, which suggests it is keenly committed to customer service and engagement.
BBB Rating
NR
Date Collected
2018-01-15

Seven Corners Customer Assistance Services

Extra Benefits - 4 / 5

The Seven Corners' website has a wealth of well-organized travel information that exceeds what many of its competitors offer.

The company also offers assistance with inoculation and visa requirements, medical record translation, and assistance in locating medical care.
24/7 Support
Mobile App

Travel Assistance Services

  • Rebooking
  • Lost Passport/Document Assistance
  • Translation Services
  • Up to the Minute Travel Advisories

Emergency Medical Assistance Services

  • Physician Referral
  • Emergency Medical Case Management
  • Arrange Medical Payment Where Available
  • Shipment of Medical Records
Display Less
1 More

Concierge Assistance Services

  • Weather Advisories

Homepage URL
Company Phone
(800) 335-0611

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35 Customer Comments & Reviews

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davidjames0703
6/15/2022
I purchased the Bronze package through Squaremouth/SevenCorners, which John Hancock underwrote. I've always sensed that John Hancock is a robust insurance company. I was in Mexico and became extremely ill. I spent four days in a hospital there. Once I was somewhat stable, I returned to the U.S.A., where I spent another nine days in a hospital. I have to pay nearly $11,000 out-of-pocket. I filed my claim and all the requested documents on 01/03/2022. Today is day 164 since filing the claim. I have called, emailed, and done everything I can to see what is happening. The standard answer (perhaps the only answer) is "it's still under review." I kind of screwed myself by leaving... Read More


M
Mischi
4/29/2022
Sevencorners is largely a scam. They are unlikely to cover any claim. Stay away. I wasted a ton of funds on travel insurance that ended up being worthless.


zor.pinsky
4/1/2022
My travel provider reduced longevity of the trip and its total cost by $8,000. This reduction corresponds to about $800 reduction in the required premium. However, the Seven Corners Co., administrator of the policy, is refusing to refund that excess of the premium that I originally paid. How come? As a result, I am subsidizing cost of the insurance company's risk in the case. Can't find anything in the policy that would support position of the administrator.


richspyy
2/21/2022
I'm very disappointed as I feel the upper management of this company hides behind email. My luggage was delayed more than 24 hours and their policy claims that it does not pay for delayed luggage. Only lost. In which case, even if it was lost, you'd need receipts of everything in order for reimbursement of what was lost. The clothes, toiletries, etc., would be on your own dime. Not a way to enjoy a vacation! Additionally, in my instance, I was told my claim was being expedited. The total was $205, Sept 2021. After many hours of being on hold and given the "its being expedited" remark, the claim was denied 2/14/22 via email to my wife's account. Yet, all the dealings was with me.... Read More


kmcbridebr
2/2/2022
We paid in full and were sold a cancellation insurance policy for my son's trip through EF Explore who canceled the trips twice despite other people still traveling during this time. 2 years later my son no longer attends the school and EF only wants to offer a voucher for the full amount. They refunded all but $350 and told me directly that I would need to file a claim for all but the registration I paid them from Seven Corners and the policy amount for trip insurance for the $150. I filed a claim in early October. On October 20 I finally received a response they needed more information which was sent immediately. I did not get a response until I reached out on their Facebook post about... Read More


D
Darrylynn N
12/3/2021
I was paying for a trip for me and my mom to travel to South Africa on February 16, 2023. Due to the complications that COVID caused me economically, I was unable to financially continue making the payments. I had paid extra for AnyReason Travel . About two months ago I had to apply for unemployment and began looking at others ways to decrease my debts. So once my inability to financially pay on the trip occurred I contacted EF GoAhead Tours to cancel the trip. I was told that I needed to contact the travel insurance company, Seven Corners, who in turn asked me to go back to EF Tours. For a minute I was being played like a ping pong ball because neither wanted to take full responsibility... Read More


Z
Zephyr99 C
10/11/2021
Seven Corners is a farce. I am shocked the Consumer Advocate rates them at 4.5 stars - just read the comments on your own website, on the BBB and on YELP. If its a positive rating - its someone who has purchased a plan but did not file a claim. Otherwise - they are all very very negative. Seven Corners is eager to take your money to buy a policy, but do not honor the policy, even with Cancel for Any Reason. A real sham! We are out over $5,000 as we cancelled a trip - with Cancel for Any Reason - and followed every single protocol, sent all documentation, met all dates, et al. We can not even contact Seven Corners to find out what is happening with our claim - all we get are excuses or... Read More


chadshultz8
9/28/2021
Scam company, stay away! Fake positive reviews or the individuals never needed to file a claim I legit had a flight delayed then canceled for airline mechanical problems. Also, my luggage was lost and this scam company wrote me back saying their coverage "should not be construed as a confirmation that coverage applies." Total scam. They use every trick in the book to deny your claim.


J
Jack H
9/10/2021
I bought Seven Corners Insurance this past winter season for my extended stay in Mexico. While in Mexico I tested positive for COVID. I then became very ill with pneumonia. I advised my Doctor that I had COVID coverage through Seven Corners, and suggested to her that she should pay for everything and then claim it back from Seven Corners, in order to not confuse them with some items paid by me and other items paid by her. I was gravely ill, and she brought in a variety of specialized doctors in order to give me the best treatment possible. They converted my condo into, basically, an ICU, and I had a nurse every night staying right in our condo until morning in order to keep me supervised... Read More


anktran
8/9/2021
We have paid about $10000 on premiums to Seven Corners (SC). My dad lives in Vietnam, with no prior medical conditions, where he has good health insurance. He traveled to the US to visit me when I gave birth, and has been stuck here in the US for 1.5 years due to the pandemic. Vietnam does not allow its citizens to come back into the country yet. Travel insurance is his only option in the US. The only thing we have filed claims for is treatments for his glaucoma, which is rapidly leading to blinding of both his eyes, of which first symptoms appeared a few months after we started buying insurance from SC. After several doctor visits and eye surgeries, and after pre-authorizing all these... Read More



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