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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.
 
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How Do We Rate Seven Corners?

Breakdown

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

Our 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
https://www.sevencorners.com/homepage#start
Company Phone
(800) 335-0611

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35 Customer Comments & Reviews

Loading Reviews ...
cleonhart2001
8/2/2019
Want to feel like a cog in a wheel? Want your travel insurance company to given you the runaround while spending months and months on your claim? Want to be told your claim will be covered only for them to later deny your claim? Then buy seven corners! Guaranteed that they will smile in your face and then stab you in the back! repeatedly!

comzhou95
8/2/2019
Horrible experience with their claims department. The claims process reportedly would take 1 month to process. It ended up taking over 5 months, and still it has not been resolved. I have called multiple times to try to expedite the process. Customer service is friendly, but the departments clearly do not communicate. I'm usually a big fan of travel insurance. Having worked with other companies in the past, I've had good experiences with other companies, and this is easily the worst.

pkatarms
6/24/2019
We bought travel insurance from this company before checking the reviews and regret it!! We planned a trip to Paris with a cruise out of Le Havre. After all of the unrest and rioting in Paris I checked the State Dept website and found travel warnings for Paris. I decided to err on the side of caution and cancel the Paris portion and file a claim. The short answer is we were denied on appeal because there has to be a politically motivated terrorist attack and even then there is no guarantee. Check the fine print and more importantly look for a reputable company as we cannot even get our money back by cancelling the policy.

J
Jennifer R
5/31/2019
This is by far the worst, fraudulent company on the face of the planet. I took visitors insurance for my mom from this company with acute onset pre-existing coverage. After a few weeks here in the states, she contracted a UTI. I took her to the ER and she was treated for pyelonephritis. I had to pay out of pocket because they did not take Seven Corners. So I filed a claim for around $12,000 expecting for it to be covered "100%" after the deductible was met. THESE GUYS DENIED MY CLAIM! They said the UTI was caused by diabetes, even tho it's a new sicknesses. Their claims team is horrible and doesn't respond to any emails or calls. Everytime i do get a response the claims has to go through... Read More

A
Astrid B
5/15/2019
I’ve never experienced such frustration and upset before filing a claim for insurance with Seven Corners. They are totally unresponsive and seem to do everything in their power to avoid paying my claim. I’ve been a customer for 3 years and have made only one claim. They do not respond to emails requesting a status update to the claim I made in December 2018. It is now May 2019 and I haven’t heard from them in a month. To avoid anymore upset, I have decided to give up on getting my claim paid. It’s just not worth my mental peace of mind.

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