UPDATED: Mar 28, 2018
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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.
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.
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.
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.
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.
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.
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.
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.