Based in the Indianapolis suburb of Carmel, Indiana, Seven Corners started business as Specialty Risk International in 1993 by insurance executives Jim Krampen and Justin Tysdal. The company ultimately changed their name to Seven Corners — possibly a reference to the seven continents of the globe, or the seven seas of the world. Today, the company defines their mission as delivering “innovative and thoughtful insurance and benefit solutions through our friendly, customer-centric approach.” The company serves international travelers inbound to the United States, those leaving the USA to visit other nations, businesses, governments, and also offer their products through a network of agents.
From their single product offering in 1993, the company now offers multiple products and services to travelers around the world. The company also administers government plans and programs, work as a managing general underwriter, and provides nurse triage, 24/7 travel assistance, and medical case management services.
How Is Seven Corners rated?
Although all plans are administered by Seven Corners, several different underwriters provide the insurance products that Seven Corners sells. Products are underwritten by Certain Underwriters, Lloyds of London, Tramont Insurance Company Limited, Nationwide, United States Fire Insurance Company, and others. Among the underwriters, United States Fire Insurance Company has an “A” (Excellent) rating and stable outlook from A.M. Best Rating Services.
In regards to policy coverage and customer service, Seven Corners has received positive ratings from their partners and customers. Those who buy their travel insurance from marketplace InsureMyTrip give Seven Corners a rating of around 4.5 stars (out of five), with over 500 reviews written to date. On travel insurance marketplace Squaremouth, Seven Corners has received overwhelmingly positive reviews, with over 1,500 being at least four stars (out of five). However, the company has also received 253 negative reviews, representing 0.5 percent of their total reviews (Squaremouth notes the average percentage of negative reviews is 0.4 percent).
What Travel Insurance Products Are Available With Seven Corners?
Seven Corners offers insurance products to all travelers: those from the United States outbound to other nations, those from another country inbound to the United States, those traveling to and from another country that is not the United States, and students attending classes outside their home nations. Their offerings can be broken into four categories: travel medical, trip protection, student plans and visitor/immigrant plans.
Please note: all schedules of benefits are subject to change. For the most up-to-date coverage information, contact Seven Corners direct.
Seven Corners Travel Medical Plans
- Liaison Economy: Marketed as the economic plan for travelers on short trips, Liaison Economy coverage is available for trips from 5 to 364 days. Liaison Economy offers medical maximum coverage limits from $50,000 to $5 million for travelers under age 70. The maximum is $50,000 for those age 70 to 79 and $15,000 for those over 80. Deductible options range from $0 to $5,000. The coverage also includes up to $500 in dental accident coverage and $100 for sudden relief of dental pain.
Under the Liaison Economy plan, local ambulance coverage is limited to $5,000, and emergency medical evacuation and repatriation is set to a max of $250,000. Emergency medical reunion, return of minor children, or return of mortal remains are limited to $25,000. An option for local burial or cremation is also available up to $5,000.
Natural disaster evacuation is capped at $25,000 and the maximum natural disaster daily limit is $50 per day for five days. The political evacuation and repatriation benefit is up to $10,000, with felonious assault being covered up to $5,000.
- Liaison Choice: Liaison Choice is the middle-of-the-road plan for travelers, balancing price with benefits. It offers the same medical maximum and deductible options as Liaison Economy. Dental coverage includes up to $200 for sudden relief of pain and $5,000 for a dental accident. The local ambulance benefit is set to a max of $10,000, and you'll receive up to $500,000 in emergency medical evacuation and repatriation. Coverage for emergency medical reunion, return of minor children, and return of mortal remains are $50,000. Local burial or cremation remains capped at $5,000.
For the extra cost, Liaison Choice offers more benefits to cover more extreme situations travelers may face. Travel interruptions due to natural disasters offer a maximum coverage of up to $100 per day for up to five days. A natural disaster evacuation is covered up to $50,000 and political evacuations remain covered up to $10,000. In the event you are the victim of felonious assault, the Liaison Choice benefit is $10,000.
- Liaison Elite: For travelers who plan on leaving their home country for an extended period of time, Liaison Elite offers coverage that is renewable up to three years. Medical maximum options are the same as other plans, though the maximum for travelers age 80 or older is set at $20,000. Dental coverage is also extended to up to $250 for sudden relief of pain and dental accident coverage is up to the medical maximum. The local ambulance benefit is also set at the medical maximum.
Emergency coverage options are higher compared to the other Liaison products. Emergency medical evacuations are covered up to a maximum of $1,000,000. The return of mortal remains is raised to a max of $100,000 (local burial or cremation remains at $5,000). There is a maximum natural disaster benefit of up to $250 per day for up to 10 days, and natural disaster evacuation is also covered up to $100,000. Political evacuation remains the same at $10,000, while felonious assault coverage is raised to $20,000.
Seven Corners Trip Protection Plans
- Roundtrip Economy: Travelers who are more concerned over the problems of trip delay and trip interruption are best served by Seven Corners’ Roundtrip line of insurance products. Roundtrip Economy is the most basic level of coverage at the lowest price. Qualified trip cancellation and trip interruption events are covered up to 100 percent of the trip cost, while missed connections and trip delay are covered for a maximum of $250, subject to a daily limit. Travelers also receive coverage for lost, stolen, or damaged baggage, and baggage delay when a bag does not arrive within 24 hours.
Although it is not a primary medical plan, the Roundtrip products offer a limited amount of medical insurance. At the economy level, this includes up to $10,000 for emergency accident and sickness medical expense, up to $750 for emergency dental expenses, and up to $100,000 for emergency medical evacuation and repatriation.
- Roundtrip Choice: In the middle tier, Roundtrip Choice balances high-quality benefits with price. Once again, qualified trip cancellation is covered up to 100 percent of trip cost, while trip interruption is covered up to 150 percent of trip cost. Trip delay benefits offer up to $600 in coverage for delays of six hours or more, while travelers who miss their tour or cruise connection are covered for up to $1,000 if they are delayed for three hours or more. Baggage delay coverage starts if luggage is more than 12 hours late, and covers up to $300 of incidentals. In the event luggage is lost, stolen, or damaged, travelers can receive up to $1,500 in coverage.
But the biggest benefit of choosing Roundtrip Choice or above are the improved medical protection benefits. Emergency accident and sickness medical expenses are increased to up to $100,000, while emergency medical evacuation and repatriation are increased to $500,000. This plan also offers a pre-existing condition waiver if you purchase your travel insurance within 20 days of initial trip deposit, and buy coverage for all non-refundable, pre-paid trip costs.
- Roundtrip Elite: If you are looking for the most protection when you travel abroad, Roundtrip Elite is the top-tier product that offers the best level of coverage at the highest price. Like Roundtrip Choice, trip cancellation is covered up to 100 percent of trip costs, and trip interruption is covered up to 150 percent of trip costs. However, trip delay benefits are increased to up to $1,500, and may start after a delay of six or more hours. Missed cruise or tour connection benefits are also increased up to $1,500 for a delay of three or more hours. Baggage loss coverage is increased to up to $600 if luggage is delayed for 12 hours or more, while coverage for lost, stolen or damaged benefits is increased up to $2,500.
Like Roundtrip Choice, the plan also come with limited medical benefits, including coverage for emergency accident and sickness medical expense up to $250,000, and emergency medical evacuation and repatriation up to $1 million. A pre-existing condition waiver is also available if you purchase your trip insurance within 20 days of your initial trip deposit, and purchase coverage for all of your nonrefundable trip costs.
Seven Corners Student Plans
- Liaison Student Plans: For students who plan on studying abroad, Liaison Student is a specialized travel insurance plan that covers many common health situations. Coverage includes doctor visits, medications, and mental illness care. This coverage only applies to students who are studying outside of their home countries.
Seven Corners Visitor and Immigrant Plans
- Inbound Guest: Visitors who will be staying in the United States less than 180 days can benefit the most from this low-cost, short-term plan. This medical travel insurance product primarily covers travelers who are concerned about their health while traveling into the U.S., and is available for people as young as 14 days up to 99 years old.
- Inbound Choice: Inbound Choice is a longer-term plan, available to travelers coming to the United States between 14 days old and 69 years old. This plan provides fixed amounts of coverage for the most common medical situations, and can be purchased for up to 364 days and renewed for up to two years.
- Inbound Immigrant: Inbound Immigrant is designed for travelers who will be staying long-term in the United States, but may not necessarily qualify for other health insurance products. Available to individuals aged 14 days old to 99 years old, Inbound Immigrant can be purchased for up to 364 days, and renewed for up to five years, offering a range of coverage for the most common medical benefits.
In addition, Seven Corners also offers the following select specialty products:
- Wander Frequent Traveler: If you take multiple international trips every year, Wander Frequent Traveler is an annual insurance product that follows you to most destinations. This year-long insurance plan will cover trips abroad that do not exceed 30 or 45 days, based on the selected plan.
- Green Cover: Non-U.S. citizens who plan on staying in the United States but do not yet qualify for Medicare may benefit from Green Cover. Designed for travelers into the U.S. between 60 and 95, this plan offers comprehensive major medical protection on a short-term basis, until they may qualify for Medicare.
- RoundTrip International: Non-American residents who are traveling outside of their home country have a special travel insurance plan built for their needs. Roundtrip international offers similar coverage as the Roundtrip products, including trip cost protection, baggage benefits, and medical benefits.
What Won’t Seven Corners Insurance Cover?
Like all travel insurance products, Seven Corners’ products come with limitations. Specific coverage limits include:
- Hazardous sports: Although the Liaison products offer varying levels of coverage, they will not pay out claims for injuries from hazardous sports. The insurance plan defines “hazardous sports” as: “motorcycle/motor scooter riding (as a passenger or a driver), hang gliding, parachuting, zip lining, parasailing, bungee jumping, water skiing, wakeboard riding, jet skiing, windsurfing, snowmobiling, and spelunking.” If you plan on participating in any of these activities, be sure to purchase the hazardous sports benefit.
- Geographical barriers: Some travel insurance products are not available to everyone in the United States. Roundtrip Choice is not available to residents of Alaska, Colorado, Florida, Indiana, Kansas, Massachusetts, Missouri, New Hampshire, New York, Virginia, Washington, while Liaison insurance plans are not available to those living in Maryland, Washington, New York, South Dakota, and Colorado.
Additionally, Seven Corners’ travel insurance products may not honor claims during travels to sanctioned countries, including Iran and Syria. Individuals living in Iran, Syria, the U.S. Virgin Islands, Gambia, Ghana, Nigeria, or Sierra Leone can’t purchase Liaison insurance from Seven Corners.
- Lost Golf Rounds or Ski Days: Although some may argue that trip delay or missed connection insurance should cover lost golf rounds or ski days, travelers who get behind and end up missing their tee time may not be covered by Seven Corners Roundtrip Insurance. However, it is available as an additional add-on product to the higher-end products.
- Rental Car Damage Waiver: Most travelers have some form of rental car insurance if they paid for their trip using their credit cards. If it is a secondary plan, it will only pay out after other forms of insurance have been depleted. Your Seven Corners travel insurance plan will not cover rental car damage, but a waiver can be added on as additional coverage to your Roundtrip plan.
- Cancel for Work Reasons: A work-related emergency, such as a vacation denial or other situation, may not be covered as a trip cancellation situation. If travelers are concerned about their employment, they can add on a cancel for work reasons benefit to their Roundtrip insurance plan.
How Do I File a Claim With Seven Corners?
As with many insurance companies, filing a claim can be done online. Those who bought their plan directly through Seven Corners can simply login to the account they created during their purchase.
The process begins with identifying the right forms on Seven Corners’ website for review. Travelers must complete the claim forms, and submit a copy of a passport, detailed bills or itemized receipts, and any other supporting documentation. From there, claim forms can be faxed, uploaded securely via their website, or sent via e-mail or traditional mail.
For those who have questions, the company can be reached at their toll-free number. Seven Corners is available Monday through Friday, from 8 a.m. to 5 p.m. Eastern Time at 1-800-355-0477.
Who Are Seven Corners Insurance Products Best for?
As a whole, Seven Corners provides travel insurance for every traveler, no matter where they are going in the world. In addition, many of those travel insurance plans are detailed, comprehensive, and offer robust levels of coverage. If you are traveling with high end items, or plan on leaving your home country for a long time, Seven Corners products can be your best bet for personal security while a long way from home.
However, for those who are not planning an expensive or long trip, Seven Corners may not offer the best products. Even at their lowest levels, Seven Corners’ products offer a lot of benefits which you may not need. When deciding if travel insurance is right for you, ask if you will need any of the benefits in the event of the worst-case situation, and if your trip warrants that level of coverage.
Before purchasing a Seven Corners insurance plan, be sure to understand what other coverage levels you may already have. Although Seven Corners offers a big portfolio of insurance options, it is important to make sure you understand which situations may be covered, which may not be covered, and where you have the maximum level of coverage.