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Seven Corners Review

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UPDATED: Mar 28, 2018

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Seven Corners is a travel and short-term medical insurance company offering products for travel both within and outside the U.S. Their wide range of plans cover U.S. residents abroad as well as visitors and immigrants in America seeking protection from unexpected medical bills.

About Seven Corners

Founded in 1993, Seven Corners is an international insurance company offering a wide variety of products to travelers, students, and immigrants alike. The company’s headquarters is in Carmel, Indiana. Unlike some other travel insurance companies, Seven Corners handles all of the underwriting and administration of their policies directly.

Coverage is offered through agents to travelers both in and outside the U.S., and to citizens of most nations. Seven Corners separates their products into four categories: Travel Medical, Visitor & Immigrant, Trip Protection, and Student Plans. There are also two group plan options available. Like many travel insurance companies, Seven Corners includes travel assistance and other services as part of the package on most plans.

Seven Corners recently stopped offering their adventure sports coverage plan called DOGTAG. We were unable to locate a reason as to why they stopped offering this coverage, but the plans were no longer available or renewable as of February of 2018.

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Seven Corners Products

Seven Corners separates its products into categories, but there is some overlap in the packages. Travel Medical, for example, does provide some trip protection coverage such as lost baggage, and Trip Protection plans do include some medical coverage.

Travel Medical

Seven Corners has three main travel medical plans, which focus on medical expenses from accident or illness during travel. All of these plans include 24/7 travel assistance as well as coverage both in and outside the U.S.

Liaison International is the economic plan and provides coverage for trips ranging from 5 to 45 days. Medical coverage can be selected between $50,000 and $1,000,000, and the deductible ranges from $0 to $2,500. This plan includes emergency medical evacuation at $300,000 along with various other coverage for emergency situations.

Liaison Continent covers trips from 5 to 187 days in length. The same coverage limits and deductibles are available, but this plan has higher coverage limits for a number of benefits, including $1,000,000 for medical evacuation.

Liaison Majestic is a long-term plan that is renewable for up to three years. This plan has the highest coverage and includes a medical maximum of up to $5,000,000. Almost all areas have higher coverage, although medical evacuation is still $1,000,000.

Wander Frequent Traveler is the final plan in the medical lineup and is designed for those who take frequent trips to various locations throughout the year. This annual plan offers a $1,000,000 medical maximum and has a $250 deductible.

Trip Protection

These travel insurance plans are packages and focus more on the costs incurred by a canceled or interrupted trip than on medical, although all of the plans do have some emergency medical coverage.

Roundtrip Economy is the base level plan, covering trip cancellation and interruption both at 100%. It includes a basic amount of medical emergency coverage, at $10,000, and $100,000 for evacuation. This plan can be upgraded with flight accident and rental car coverage, but the cancel for any reason option is not offered.

Roundtrip Choice is the mid-level plan, with trip interruption kicked up to 150% and most other coverages at higher benefit levels as well. Medical coverage is much higher, at $100,000 for medical expenses and $500,000 for evacuation. The option to cancel for any reason can be added along with other optional benefits.

Roundtrip Elite is the highest level of travel coverage. All of the coverage maximums are higher with this plan, including $250,000 for medical and $1,000,000 for evacuation. All of the optional benefits offered by Seven Corners can be added to this plan, including the option to cancel for any reason.

The final plan, Roundtrip International, is designed for non-U.S. residents traveling outside their home country. This plan covers up to $30,000 for trip cancellation and 100% for an interruption. It has $100,000 for medical emergencies and the same for evacuation.

Visitor & Immigrant

Seven Corners’ Inbound line of products are all designed for people visiting the U.S. or as temporary coverage while going through immigration procedures. All of these plans cover regular medical needs including office visits, rather than providing only emergency coverage. They have a variety of coinsurance and copay amounts as well as benefit maximums and deductibles.

Inbound Guest and Inbound Choice are similar plans, differing in terms of the length of coverage and a few of the benefit maximums. Inbound Choice is not available to those over the age of 69.

Inbound Immigrant is for longer-term medical needs and can be renewed for up to 5 years.

Seven Corners has a plan designed specifically for those over the age of 65 called Green Cover. It provides major medical coverage up to age 94.

Student Plans

Available to both U.S. and non-U.S. residents, Seven Corners student insurance provides comprehensive medical coverage including regular office visits and emergency care. The plans offer a variety of coverage levels to choose from.

Group Plans

Seven Corners offers two options for groups traveling together to provide medical and travel coverage.

Select Liaison Express Group is for travel up to one full year, while Select Roundtrip Elite Group is shorter-term coverage, up to 90 days.

Rates

We ran a few quick quotes for a 30-year-old traveler spending seven days outside of the U.S.

For medical insurance, with little to no trip protection, the lowest rate was a very affordable $11.80 – this was for the Liaison International plan. The most expensive plan, Majestic, came in only a few dollars more at $14.52.

We compared the trip protection coverage for the same trip and traveler, with a trip cost of $5,000. The lowest priced plan was, not surprisingly, the Roundtrip Economy plan, at $113. The Elite plan cost the most at $171.

On all counts, Seven Corners plans come in on the lower end and are some of the more affordable options in travel insurance. That said, it is important to look at apples to apples coverage, as benefit levels can vary greatly.

Claims

Seven Corners has a long list of available claims forms on their website, which can be conveniently uploaded directly from the claims page.

Claims can also be emailed, faxed, or sent via standard mail for processing. There is a number available for claims questions, but this line is only open Monday through Friday 8 a.m. to 5 p.m. This differs from the 24-hour emergency assistance line.

The claims page offers detailed information regarding different types of claims and also provides information regarding appealing a claim.

Ratings and Consumer Reviews

The Better Business Bureau (BBB) gives Seven Corners an A+ rating. There is a total of 63 complaints against this company in the past three years. Only seven of those were closed in the past 12 months, which is a good sign. The number of reviews is an improvement from the time of our last look at this company.

There are 26 reviews of Seven Corners on Yelp, most of which are one-star reviews. The company does appear to take the time to respond to these reviews, which is generally a good sign. The majority of the reviews cite denial of claims as the reason for the negative review; many also state that the claims process is long and drawn out.

The Bottom Line

Seven Corners offers plenty of different travel insurance options at reasonable prices. Their customer complaint volume has decreased over time, boosting their reputation and making them a solid choice for travel insurance needs. Their range of plans makes them a solid source for nearly any travel insurance need, including for visitors and new immigrants to the U.S.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

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Seven Corners
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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

6 Comments

  1. Seven Corners Travel Insurance

    We purchased a Roundtrip Elite policy on 3/3/20 for London leaving the US on 3/28.

    On 3/15/20, due to the virus, the government shut down travel to the UK.

    I wrote to Seven Corners for a refund or voucher until the trip could be rescheduled and they told me I passed the 10 days look back (by 2 days) and would not issue the refund.

    They told me they would honor the policy if rescheduled by 3/28/20.

    Of course, that is impossible to know when it can be rescheduled. I wrote to HQ and no response.

    Seriously, worst customer service I have ever seen!!

    When all the world is in turmoil, the mighty buck stops there with this company.

    Reply
  2. I have had a very bad experience with Seven Corners.

    I suffered a knee injury in Germany and for various reasons had to return to the US for surgery.

    The injury occurred on Christmas Eve 2018.

    It is now mid-May 2019 and Seven Corners has still not paid anything on my claim.

    In fact, they refuse to answer my multiple requests for even an update on the only claim I’ve made in the three years I’ve had a policy with them.

    Like others have mentioned, they conveniently lose the paperwork I emailed them, necessitating a frustrating resend (multiple times!).

    They claim not to understand a vendor’s bill, and somehow that is my fault.

    I have found them incompetent and uncaring and non-responsive.

    I am an elderly woman and this has become a nightmare that my nerves cannot withstand.

    I have thus decided for my mental well-being not to pursue this claim. It’s just too upsetting.

    I would strongly recommend never buying a policy with Seven Corners, as they do everything in their power not to pay a valid claim.

    Reply
  3. It’s simply FRAUD. It was supposed to be “WORLDWIDE EMERGENCY MEDICAL COVERAGE. I paid for the policy for years. Then, on the first day of a business trip, I was rushed to the hospital in an AFIB attack. Seven corners now say that if I “go to the hospital through the emergency room, I’m only covered for $350. dollars”. This crap has been going on for 2 years. I intend to sue their [redacted].

    Reply
  4. Super bad insurance, they do everything they can not to pay the claims – from saying they never got the required paperwork (even though I sent them through their online claim system and even got email confirming the submission) to saying they were requesting the medical records to the health clinic and never got a feedback. They never communicate with the client (or attempt to inform the client!!) of what’s going on. Currently they stopped paying for my doctor’s appointment for no reason. Because of this I had to pay for one visit (US$ 107.00) and am owning another (US$ 107.00). Until I pay this second one, I cannot see the doctor anymore. Very, very, very frustrating health insurance. I also think they are a fraud as the way they have dealt with me anytime I tried contacting them is just unbelievable – it totally looks like a fraud. Tereza Magalhaes, Student Express coverage, [Redacted].

    Reply
  5. I have bought a Inbound Guest Policy from Seven Corners Insurance for my In Laws. This inbound guest policy don’t have any network of hospitals or cares that you should visit. I have made a claim in the month of February but till now i have not received any refund. Their claims processing is too slow and they are very very poor in communication between insured person and Medical Provider. I have made several calls to this company to know about claim status and now i realized that it is waste of time and money. Their services are too bad. This is not a good insurance company for Family Travel Insurance.I have lost trust with this company and strongly recommend everyone to think twice before buying an insurance policy from this company

    Reply
    • I have to agree with your assessment here. I too bought an insurance policy for my mother in 2016 for her US visit. We needed to get her medical care due to an unexpected condition. The total expenses we incurrent were above $1200. This policy has some pretty restrictive limits on the amount they will pay which I don’t think I fully understood when I bought the policy.

      But worse, is how the handled claims. The provider billed me directly, and I was seeking reimbursement from PAMF. This was pretty clear from my claim. Also, the statement I included from the care provider clearly indicated dates of service. Still they…

      1. Incorrectly said that all services were on the same day and therefore were limit by daily maximum on payouts. The documentation clearly shows service was on three separate days. I am still fighting with them on this obvious and documented point.

      2. The paid out money to the care provider directly. I had to follow up with them to process overpayment and cut me a check.

      3. Everytime I call them, I get a runaround.

      4. [Redacted], the person who handles “Appeals” is the same person who does reputation management for them (responds to adverse reviews from customers etc). All in all, a badly managed operation. I wonder if this is even a real insurance company.

      Dealing with them reminds me of the evil insurance company that happily takes your premium and stonewalls away come time for claim. I must have paid more than $5000 in premiums for my parents-in-law over the years and now I feel like an idiot.

      Reply

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