Seven Corners Insurance

Travel Insurance from Seven Corners

Seven Corners has specialized in international travel insurance for over 20 years. They offer a variety of plans perfect for short and long-term international trips that provide flexible limits and a choice of deductibles. Their specialized plans are available for travelers, visitors, students & faculty, seniors, and outdoor enthusiasts.

Seven Corners is one of the most experienced travel medical insurance, trip insurance, and international specialty benefit management companies. They are a premier “managing general underwriter,” performing all facets of the global business. Since 1993, they have provided protection and professional assistance services to hundreds of thousands of international travelers.

The company has built a proprietary network of doctors and hospitals throughout the world. Seven Corners evaluates each medical provider, enabling them to direct their clients to the most appropriate care worldwide.

Seven Corners Insurance - Plan Options

Seven Corners travel insurance plans include travel medical and trip protection plans for international travelers. Their plans offer flexible limits and your choice of deductible. Plans are well-suited for families, students, seniors, missionaries, and business travelers.

Seven Corners Travel Medical Insurance

If you're planning to travel abroad and want extensive medical coverage, including for COVID-19, the Seven Corners Travel Medical Insurance plan is an excellent option.

Covers Emergency Medical Care Abroad!

Travel Delay & Trip Interruption

Acute Onset of Pre-Existing Conditions

Medical Evacuation

Telehealth Consultations

Dental Emergency

Plan details

Benefits Eligibility FAQs Documents

Benefits

Plan Details
Medical Maximum Options	$10k, $50k, $100k, $500k, $1M, $2M, or $5M Limits may vary based on age or destination of traveler.
Deductible Options	$0, $100, $250, $500, $1,000, or $5,000 Limits may vary based on age or destination of traveler.
Medical Services	Up to medical maximum
COVID-19 Treatment	Up to medical maximum. Treated as any other illness.
Acute Onset of Pre-Existing Conditions	7 day waiting period applies. Cardiac Condition and/or Stroke: Ages 14 days to 69 years: $50,000 Ages 70 to 79: $5,000 Ages 80 years & over: N/A Other than Cardiac Condition and/or Stroke: Ages 14 days to 69 years: $75,000 Ages 70 to 79 years: $7,500 Ages 80 years and over: N/A
Urgent Care Visits	Up to medical maximum Copay applies in the U.S.
Telehealth Consultations	Up to medical maximum
Dental Accident	Up to $500
Emergency Vision	$100 per occurrence Outside the U.S.
Lost Luggage	$50 per article, Up to $500 per occurrence
Trip Interruption	Up to $5,000

Eligibility

General Restrictions:

Non-U.S. citizens are eligible to purchase a Seven Corners Travel Medical Insurance plan excluding or including coverage in the U.S.
U.S. citizens are eligible to purchase a Seven Corners Travel Medical Insurance plan excluding coverage in the U.S.

Age Restrictions:

Travelers must be at least 14 days to be eligible for a plan
Travelers 65 to 80 years and older have limited medical maximum and deductible options

Geographic Restrictions:

U.S. State Restrictions -Seven Corners cannot accept a residence address in Maryland, Washington, New York, South Dakota, or Colorado.
Country Restrictions -Seven Corners cannot accept a residence address in Cuba, the Democratic People's Republic of Korea (North Korea), Gambia, Ghana, the Islamic Republic of Iran, Nigeria, the Russian Federation, Sierra Leone, the Syrian Arab Republic, Ukraine, or the United States Virgin Islands.
Destination Restrictions -Seven Corners cannot cover trips to Antarctica, Cuba, the Democratic People's Republic of Korea (North Korea), the Islamic Republic of Iran, the Russian Federation, the Syrian Arab Republic, or Ukraine.

FAQs

Where can I travel with a Seven Corners Travel Medical plan?

You are covered in every country, except for your home country. US citizens are not eligible for coverage in the US or any of its territories. The Seven Corners Travel Medical plan offers two areas of coverage, worldwide including and excluding the US.

Does Seven Corners Travel Insurance cover pre-existing conditions?

Seven Corners Travel Medical Plus plans cover pre-existing conditions through a benefit called Acute Onset of Pre-existing Conditions.

What is an acute onset of a pre-existing condition?

It is a sudden and unexpected outbreak or recurrence of a pre-existing condition:

That occurs spontaneously and without advanced warning either in the form of physician recommendations or symptoms and requires urgent care;
That occurs while you are covered, after the 72-hour (3-day) waiting period, and
For which treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

A pre-existing condition is not an acute onset of a pre-existing condition if:

The condition is chronic, congenital, or gradually becomes worse over time; or
If, during the 30 days prior to the acute event, you had a change in prescription or treatment for a diagnosis related to the underlying pre-existing condition.

Coverage ends on the earlier of:

The condition no longer being acute; or
Your discharge from the hospital.

There is no coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to departure from your home country and before your coverage begins.

There is no coverage for treatment for which you have traveled or conditions for which travel was undertaken after your physician limited or restricted travel.

Related: International Insurance and pre-existing conditions

How many days does Seven Corners trip insurance cover?

A policy may be purchased at any time prior to your trip start date. You may purchase travel medical coverage for a minimum of 5 days or a maximum of 364 days.

If you initially buy less than 364 days of coverage, you may buy additional days of cover, to a total of 364 days. Your original effective date is used to calculate your deductible and coinsurance and to determine pre-existing conditions and if maximum coverage amounts have been reached.

You will be emailed you an extension (renewal) notice before your coverage expires, giving you the option to extend your plan. A $5 administrative fee is charged for each extension.

Effective Date — This is the start date of your plan, on the latest of the following:

12 a.m. the day after we receive your application and correct payment;
The moment you depart your home country;
12 a.m. on the date you request.

Expiration Date — This is the date your coverage ends, which is the earliest of the following:

The moment you return to your home (except for coverage through Incidental Trips to Home Country and Extension of Benefits in Home Country);
11:59 p.m. on the date you reach the maximum period of coverage;
11:59 p.m. on the date shown on your ID card;
11:59 p.m. on the date that is the end of the period for which you paid; or
The moment you are no longer eligible for coverage.

All times above refer to United States Eastern Time.

Who can buy a Seven Corners Travel Insurance plan?

You must be 19 years of age to purchase a plan. You can buy coverage for your legal spouse, dependents under the age of 19, and your traveling companions.

All travelers must be at least 14 days old and under 75 years old. Coverage is available to all international travelers for a period of 5 days to as long as one year.

U.S. citizens cannot purchase a travel medical plan including the U.S.

With Seven Corners, when does my coverage expire?

Your coverage expires the moment you return home from your destination country.

Can I extend my Seven Corners travel insurance coverage?

If you purchased coverage for less than 364 days, you may buy additional coverage that amounts to a total of 364 days.

How does Seven Corners meet the Schengen Visa requirements?

Travelers with a European destination should choose a $0 deductible in order to meet minimum requirements to receive a Schengen Visa. If you are 65 years old or older, you will not meet the minimum requirements to receive a Schengen Visa with this plan.

Documents

Ready to Buy?

Get a free quote and apply for the Seven Corners Travel Medical Insurance plan now!

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Seven Corners Trip Protection Basic & Choice

When it comes to your dream trip, there can be many unexpected disruptions. However, the Seven Corners Trip Protection Insurance plan for U.S. residents can make dealing with these disruptions much easier. Additionally, it offers an optional Cancel for Any Reason coverage to expand your protection.

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Insure the Cost of Your Trip

Protection for Your Belongings

Optional Cancel For Any Reason Coverage

Medical Emergency

24/7 Travel Assistance

Medical Evacuation

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Benefits Eligibility FAQs Documents

Benefits

Plan Details	Basic	Choice
COVID-19 Coverage
Trip Cancellation
Optional Cancel for Any Reason (CFAR)	Up to 75% of your nonrefundable Trip Cost.	Up to 75% of your nonrefundable Trip Cost.
Trip Interruption
Optional Trip Interruption for Any Reason (IFAR)	Up to 75% of your nonrefundable Trip Cost.	Up to 75% of your nonrefundable Trip Cost.
Trip Delay (6 hours)	Up to $200 per day per person (Up to $600)	Up to $250 per day per person (Up to $2,000)
Missed Tour or Cruise Connection (3 hours)	Up to $250 per day (Up to $500)	Up to $250 per day (Up to $1,500)
Emergency Accident & Sickness Medical Expense	Up to $100,000	Up to $500,000
Emergency Dental	Up to $750	Up to $750
Medical Evacuation & Repatriation of Remains	Up to $250,000	Up to $1,000,000
Political or Security Evacuation	Not Included	$20,000
Pre-existing Medical Condition Exclusion Waiver	Not Included	Must meet the requirements in the plan document.
Baggage and Personal Effects	$500 (Subject to per item limit of $250)	$2,500 (Subject to per item limit of $250)
Baggage Delay (6 hours)	Up to $100 per day (Up to a maximum of $500)	Up to $100 per day (Up to a maximum of $500)

Eligibility

General Restrictions:

Only U.S. citizens and legal U.S. residents are eligible for a Seven Corners Trip Protection Basic or Choice plan.

Age Restrictions:

Travelers up to the age of 99 years are eligible.

Geographic Restrictions:

U.S. State Restrictions - Seven Corners Trip Protection Basic and Choice are not available for purchase in Missouri, New York, Pennsylvania, or Washington.
Destination Country Restrictions - Seven Corners Trip Protection Basic and Choice are not available to those traveling to Antarctica, Belarus, Cuba, the Democratic People’s Republic of Korea (North Korea), the Islamic Republic of Iran, the Russian Federation, or the Syrian Arab Republic.

FAQs

How much trip protection should I purchase?

Seven Corners recommends that you purchase enough trip protection insurance to cover all of your non-refundable trip costs. Be sure to include any extra excursions you pay for separately that are not a part of your trip itinerary.

Can I change details regarding my trip?

Yes. Email Seven Corners at policy@sevencorners.com and explain the details you need to change. Travelers frequently need to change trip dates, trip costs, destinations, and personal information, such as a change of home address.

How do I cancel my Seven Corners Trip Protection plan?

To cancel your Seven Corner Trip Protection plan, log in to Seven Corners at https://www.sevencorners.com/login or email them at policy@sevencorners.com within the first 14 days of your plan purchase date to receive a full refund. Include your certificate number, your first and last name, and your date of birth in the email. Please allow seven days for Seven Corners to process your refund request.

What is the effective date for my Seven Corners Trip Protection plan?

The effective date is the day after you buy your plan.

For Seven Corners Trip Protection Basic and Choice plans, it begins at 12:01 a.m. on the day after Seven Corners receives your plan payment.

Who can purchase a Seven Corners Trip Protection plan?

Residents of the United States who are traveling inside the U.S. or abroad may purchase a Seven Corners Trip Protection Basic or Choice plan.

Can I insure people who are not family members?

Yes, you can insure traveling companions who are not directly related to you.

What type of medical expenses does a Seven Corners Trip Protection plan cover?

Seven Corners will cover medical expenses that occur during your trip, such as treatment for a sickness or injury, emergency dental treatment, and emergency medical evacuation or repatriation. COVID-19 medical expenses are also covered.

How do I file a claim?

When paying for your trip, save all documents that Seven Corners gives to you. You will need this information to process any claim. Please follow the steps on the Seven Corners "File a Claim" page on their website to file your claim.

Documents

Seven Corners Travel Medical Annual Multi-Trip

If you travel abroad often, you need the convenience of an annual travel insurance plan that covers multiple trips. You must ensure the plan provides comprehensive medical coverage, including COVID-19 expenses.

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Protection for Multiple Trips during a Year

Acute Onset of Pre-Existing Conditions

Trip Length Options: 30, 45, or 60 day trips

Medical Evacuation

24/7 Travel Assistance

Adventure Activities

Show details

Benefits Eligibility FAQs Documents

Benefits

Plan Details
Medical Maximum Options	14 days to 64 years: $1,000,000 65 to 75 years: $100,000
Deductible Options	$0, $250, or $500
Medical Services	Up to medical maximum ($15 copay for physician office visits)
COVID-19 Treatment	Up to medical maximum
Urgent Care Visits	Up to medical maximum ($15 copay)
Acute Onset of Pre-existing Conditions For United States residents traveling outside of the United States.	14 days to 64 years: $20,000 65 to 75 years: $2,500
Dental Accident	$500 per occurrence
Emergency Eye Exam	$100 per occurrence
Emergency Medical Evacuation and Repatriation	$1,000,000 (separate from medical maximum)
Loss of Checked Baggage	$50 per article, $500 per occurrence
Trip Interruption	$5,000
Optional Coverage: Adventure Activities	Up to medical maximum

Eligibility

General Restrictions:

Each traveler listed on the policy must maintain continuous medical insurance that provides coverage in their home country.
U.S. citizens, including those with dual citizenship, and Green Card or Permanent Resident cardholders, cannot purchase this plan for travel to the U.S. and its territories.

Age Restrictions:

Travelers must be at least 14 days old and younger than 76 years to purchase this plan.

Geographic Restrictions:

U.S. State Restrictions - Seven Corners cannot accept an address in Maryland, New York, South Dakota, or Colorado.
Country Restrictions - Seven Corners cannot accept an address in Cuba, the Democratic People's Republic of Korea (North Korea), Gambia, Ghana, the Islamic Republic of Iran, Nigeria, the Russian Federation, Sierra Leone, the Syrian Arab Republic, Ukraine, or the United States Virgin Islands.
Destination Restrictions - Seven Corners cannot cover trips to Antarctica, Cuba, the Democratic People's Republic of Korea (North Korea), the Islamic Republic of Iran, the Russian Federation, Ukraine, and the Syrian Arab Republic.

FAQs

How many trips can I take with this plan?

Seven Corners allows policyholders to take as many covered trips as they want. Travelers are covered when traveling outside their home country on a covered trip for the trip length option they selected.

Trip length options include 30, 45, or 60-day trips.

What is a covered trip?

A covered trip is a period of travel outside your home country with defined departure and return dates. Coverage begins on the day you leave your home country and ends when you return to your home country.

When does my Seven Corners Travel Medical Annual Multi-Trip coverage begin?

Your coverage begins on your start date, which is the later of the following times:

12 a.m. the day after Seven Corners receives your application and correct payment if you apply online; or
12 a.m. on the day you request on your application.

All times above refer to U.S. Eastern Standard Time.

When does my Seven Corners Travel Medical Annual Multi-Trip coverage end?

Your coverage ends on your expiration date, which is the earliest of the following times:

11:59 p.m. on the date you reach the maximum period of coverage;
11:59 p.m. on the date shown on your ID card;
11:59 p.m. on the date that is the end of the period for which you paid; or
The moment you are no longer eligible for coverage.

Coverage for each covered trip ends the earliest of:

The certificate end date;
11:59 p.m. on the last day of any covered trip;
The moment you arrive in your home country; or
The moment you are no longer eligible for coverage.

All times above refer to U.S. Eastern Standard Time.

Can I cancel my Seven Corners Travel Medical Annual Multi-Trip plan?

Yes, you can cancel your Seven Corners Travel Medical Annual Multi-Trip plan. Seven Corners will refund your payment if they receive your written request for a refund before your effective date of coverage. No refund will be given if you request to cancel after your coverage has begun.

Documents

Seven Corners' Provider Network

Seven Corners offers a robust network of healthcare providers around the globe. If you are in the United States, you will have access to the well-respected United Healthcare network or the PHCS Network, the largest PPO network in the USA. If you are outside the United States, you will have access to the Seven Corners International Provider Network, a thoroughly vetted list of top healthcare providers in every nation from Afghanistan to Zimbabwe.

How to Access the Seven Corners Network and Find a Provider

The way policyholders locate Seven Corners health care providers differs depending on whether you are inside or outside of the U.S. Follow the instructions below to find the Seven Corners provider nearest you.

We’ve also included the Seven Corners insurance contact number below if you have trouble.

US PPO Network

Look at the insurance ID card you were issued when you bought your policy.

If your insurance card has the UnitedHealthcare logo, click here.
If your insurance card shows the PHCS logo, click here.

When you call or visit a healthcare provider in the U.S., it is important for you to say, “My healthcare coverage uses the UnitedHealthcare Network / PHCS Out of Area Network, and I found your name in the directory.”

If you say, “I have Seven Corners’ Insurance” or “I use Seven Corners’ Network,” providers may not recognize these names and your coverage might not be accepted.

Providers Outside the US

Seven Corners' International Network lists every doctor broken down by country on WellAbroad. You will also find your destination country's health advisory information, security information, and any other alerts you need to know about.

For each provider listed, you will see their specialty, location, and billing information. If a provider has "Direct Payment," they will bill Seven Corners directly. If their billing is "Conditional," you must contact Seven Corners first regarding the potential for direct billing. If listed as "Proposal" or "Referral," the provider may or may not agree to direct billing.

Areas of Coverage

Certain Seven Corners travel insurance plans offer subscribers the opportunity to choose global coverage that either includes or excludes the USA. Coverage excluding the United States offers cost savings. The plans offering this option are Seven Corners Travel Medical Annual Multi-Trip and Seven Corners Travel Medical Insurance.

Plans Available to U.S. Citizens Only

Seven Corners Trip Protection Basic and Choice, which are the premiere trip protection plans from Seven Corners, are available to U.S. citizens only.

Plans Available to U.S. Citizens and International Citizens

The short-term Seven Corners Travel Medical Plan and the annual Seven Corners Travel Medical Annual Multi-Trip are plans that are available to most people around the globe.

Emergency Cover

Any plan you choose from Seven Corners will include coverage for Emergency Medical Evacuation and Repatriation, Emergency Medical Reunion, Return of Children, Return of Mortal Remains, and Local Burial or Cremation. This coverage applies for most illnesses and injuries, including COVID-19.

Learn more about medical and travel assistance from Seven Corners during life-threatening emergencies and situations that are not life-threatening at the Seven Corners Assist page.

Seven Corners' Services

Seven Corners goes above and beyond standard travel insurance when it comes to its services. They offer the following:

A multi-lingual customer service phone line, which is available 24/7/365.
The WellAbroad portal provides foundational information about your destination, as well as any travel advisories, health alerts or other information that you need to know before your journey.

All clients have immediate access to the WellAbroad global assistance portal. By accessing the portal using your member number and date of birth, customers have the ability to create travel profiles, receive travel alerts, and search for Seven Corners’ contracted doctors and hospitals throughout the world.

How to File a Claim

Seven Corners Insurance makes filing a claim an easy process. Their site offers easy access to the correct forms for your plan, as well as a handy checklist of the documents you will need to provide as part of your claim filing. Supporting documentation you may need includes a copy of your passport, a detailed medical bill, and payment receipts.

Submit all of your documents via the web form, by email to claims@sevencorners.com or by mail to:

Seven Corners, Inc.
Attn: Claims
303 Congressional Boulevard
Carmel, IN 46032 USA

Customer Care Contact Information

Seven Corners provides several ways for subscribers to contact them, including WhatsApp.

Toll-Free (US Only): 1-800-335-0611
Worldwide: 1-317-818-2809
Text: 1-888-655-1402
WhatsApp: +1-317-430-1140
Email: customerservice@sevencorners.com

FAQs about Seven Corners

Is Seven Corners travel insurance good?

Seven Corners has been providing insurance to travelers for nearly 30 years. It is trusted to administer government and individual travel plans and is also a Managing General Underwriter. It is known for good travel insurance. The company has a 4/5 rating with TrustPilot and was chosen by Forbes Advisor as the best travel insurance in the category: "Best Value for Robust Coverage."

Interested: Request a quote today!

What kind of insurance is Seven Corners?

Seven Corners is a premier travel insurance provider in the US. The company offers travel medical insurance, which will cover you in case of a medical emergency abroad, and trip cancellation insurance, which will protect you financially if your trip is canceled or disrupted.

Their travel medical insurance plans are available worldwide to all nationalities. Their trip cancellation plan is available to US citizens only.

Interested: Request a quote today!

How do I contact Seven Corners Inc.?

Seven Corners provides a number of ways for subscribers to contact them, including WhatsApp.

Toll-Free (US Only): 1-800-335-0611

Worldwide: 1-317-818-2809

Text: +1-888-655-1402

WhatsApp: +1-317-430-1140

Email: customerservice@sevencorners.com

Web Form: https://www.sevencorners.com/about/contact

When is it too late to purchase a Seven Corners travel plan?

We recommend purchasing a travel insurance plan from Seven Corners sooner than later.

If you are thinking of purchasing a Trip Protection plan, some benefits may be available only if you buy coverage within a specified number of days from when you made your initial trip deposit.

Seven Corners Travel Medical insurance plans begin the day after you purchase your plan but not until you leave your home country. We recommend giving yourself plenty of time to review your options and ensure you understand your plan document so you can be confident you’ve chosen the best coverage.

Interested: Request a quote today!

Does Seven Corners provide group travel insurance?

Yes, Seven Corners provides group travel insurance for groups of 10 or more people. If you are interested in a group travel policy from Seven Corners, please submit a group travel insurance quote request using this form.

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Travel Insurance from Seven Corners

Seven Corners Insurance - Plan Options

Seven Corners Travel Medical Insurance

Plan details

Ready to Buy?

Seven Corners Trip Protection Basic & Choice

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Seven Corners Travel Medical Annual Multi-Trip

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Seven Corners' Provider Network

How to Access the Seven Corners Network and Find a Provider

US PPO Network

Providers Outside the US

Areas of Coverage

Plans Available to U.S. Citizens Only

Plans Available to U.S. Citizens and International Citizens

Emergency Cover

Seven Corners' Services

How to File a Claim

Customer Care Contact Information

FAQs about Seven Corners

Is Seven Corners travel insurance good?

What kind of insurance is Seven Corners?

How do I contact Seven Corners Inc.?

When is it too late to purchase a Seven Corners travel plan?

Does Seven Corners provide group travel insurance?

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