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Have you ever wondered if a single policy can protect your cruise booking, shore excursions, and medical needs abroad without surprise gaps?
Many travelers choose seven corners because comprehensive coverage and always-on assistance bring calm from the first quote to the last day of the trip. Plans include trip cancellation, interruption, delay, baggage protection, missed cruise connection, and emergency medical care that travels with you.
Founded in 1993, the company pairs purpose-built assistance with AM Best A-rated underwriters. You can pick single-trip, annual multi-trip, or travel medical options. Online quotes are simple, and 24/7 multilingual help guides emergencies, direct billing, and evacuations.
We focus on clarity and real-world usefulness so you know what is covered, how benefits work, and when cruise-specific protections apply. COVID-19 treatment is covered on applicable plans, and medical evacuation includes coordination, reunion, and return of children when needed.
Essential Takeaways
- Comprehensive plans cover cancellation, delays, baggage, and missed cruise connections.
- Medical and evacuation benefits include coordination and emergency reunion services.
- Policies are underwritten by AM Best A-rated companies for added trust.
- Choose single-trip, annual multi-trip, or travel medical depending on your needs.
- Online quotes are quick and 24/7 support helps during emergencies.
The Peace-of-Mind Policy, Why Seven Corners is the Top Choice for Global Travelers
Peace of mind means fast help, clear eligibility, and benefits that match how trips actually unfold.
Seven Corners travel combines medical protection and trip safeguards in one coordinated approach. U.S. travelers get medical coverage, trip cancellation and interruption, baggage, missed-connection help, trip delay, and emergency evacuation under unified claims handling.
COVID-19 is treated like any other illness on applicable plans. That means you can rely on plain policy language rather than special carve-outs.
A balanced, clear review
We call out limits, add-ons, state availability, and destination restrictions in simple terms. This balanced method helps you avoid surprises.
“Direct, 24/7/365 multilingual assistance makes real difference when timing matters.”
- Missed tour or cruise connection benefits help you rejoin itineraries and reduce cascading losses.
- Baggage loss or delay and trip delay benefits cover everyday disruptions.
- Vetted provider networks create coordinated access to care worldwide.
Choose single-trip, annual multi-trip, or medical-only plans to match how often you travel. In short: pick a plan that fits your trip style, and leave for the airport with confidence.
Seven Corners Travel Insurance at a Glance
Founded in 1993, the company has built deep experience in worldwide assistance and claims handling.
Core plan families help travelers choose what fits their needs quickly.
- Single-trip plans that bundle trip cancellation, interruption, delay, baggage, missed connection, and medical coverage.
- Annual multi-trip plans that cover multiple journeys under one policy year; per-year limits and benefit caps apply.
- Travel medical plans focused on international healthcare with flexible medical maximums and deductible options.
The carrier works with AM Best A-rated underwriters, which adds confidence in claim-paying capability.
Assistance operates globally and is available 24/7. A broad provider network helps members find care fast and manage evacuations or referrals.
Cruise travelers should note missed connection and interruption benefits. These features address real maritime disruptions and help reduce cascading costs when schedules change.
Online quotes make plan comparison simple. Compare trip frequency and budget to pick the right family, then contact the assistance team for additional information.
Comprehensive Coverage That Travels With You
When plans change, effective coverage helps you rebook, return, or recover nonrefundable costs quickly.
Trip cancellation, interruption, and delay protection
Trip cancellation reimburses nonrefundable, prepaid costs when a covered reason prevents departure. Limits can reach 100% of the trip cost on comprehensive plans.
Trip interruption provides funds to return home or rejoin an itinerary. On Choice and Annual tiers, interruption benefits may reach 150% of the insured trip value.
Trip delay helps with reasonable expenses like hotels and meals when common-carrier delays pass the waiting period. Many plans offer up to $2,000 for delay-related costs.
Baggage loss and delay — replace essentials fast
Lost luggage and delay protections pay to replace clothes and necessities, which matters during tight cruise embarkations. File reports and keep receipts to simplify claims.
Missed connection help for tours and cruise segments
Missed tour or cruise connection coverage is designed to get you to the next port or rejoin the tour. Assistance can also help rerouting and logistics to reduce stress.
- Document covered reasons and notify assistance promptly to speed claim handling.
- Check plan tiers; limits and riders vary, and aligning benefits with trip cost reduces out-of-pocket risk.
- Consider adding CFAR or IFAR for maximum flexibility on complex, multi-segment itineraries.
- Cruisers should save boarding times, port change notices, and excursion receipts to substantiate extra costs.
| Plan | Trip Cancellation | Trip Interruption | Trip Delay |
|---|---|---|---|
| Basic | Up to 100% of prepaid cost | Up to 100% return assistance | Limited delay benefits |
| Choice | Up to 100% of prepaid cost | Up to 150% on covered events | Up to $2,000 |
| Annual Multi-Trip | Per-trip limits to 100% | Up to 150% per qualifying trip | Up to $2,000 per incident |
Cruise Travel Insurance, Confident Sailing With Seven Corners
Cruise itineraries bring unique risks, and the right policy keeps you moving when plans shift.
Missed tour or cruise connection benefits and how they work
Missed connection coverage helps pay for transport to the next port and reasonable expenses if you miss a tour or cruise segment.
It can reimburse taxi, ferry, or short flights and ease the financial sting of late arrival. Keep boarding passes, port notices, and excursion invoices to support a claim.
Onboard medical needs, evacuation coordination, and continuity of care
Onboard care often handles immediate needs, but coordinated transfers to shore-side clinics ensure follow-up care and records continuity.
Medical evacuation moves you to the nearest appropriate facility when a serious incident occurs. Assistance teams arrange transport, direct billing when possible, and help with evacuation repatriation if required.
Shore excursions, trip interruption, and delay scenarios at sea
Trip interruption benefits can cover return travel and unused portions of a voyage if a covered reason ends the trip early.
Trip delay coverage helps with hotels and meals when weather, port changes, or mechanical issues hold you up.
- Document everything: boarding passes, port letters, and excursion receipts.
- Review per-day sublimits and waiting periods so expectations match the plan language.
- Choose plan limits that reflect the full cruise cost, including excursions and pre-cruise stays.
- Assistance teams can liaise with ship staff and arrange alternate transport when timing matters.
| Feature | What it covers | When to use |
|---|---|---|
| Missed Connection | Transport, lodging, and rejoin costs | Late arrival or missed port departure |
| Onboard Coordination | Shore transfers, referrals, direct billing | After initial ship medical treatment |
| Evacuation & Repatriation | Air or ground transfer to higher-level care | Serious medical events at sea or on excursion |
| Trip Delay / Interruption | Meals, lodging, return travel, unused trip refund | Weather, mechanical failure, covered emergencies |
Travel Medical Insurance and Emergency Care When You Need It
Good international medical protection starts with clear limits, fast access to care, and options you can match to your destination. This section explains core medical limits, covered services, and how acute conditions are handled so you travel with confidence.
Medical maximums and deductibles: Plans offer flexible medical maximums from $10,000 to $5,000,000. Deductible choices run from $0 to $5,000 so you can balance premium and out-of-pocket risk. Trip interruption benefits may pay up to $5,000.
What services are included
- Urgent care and telehealth consultations counted toward the medical maximum.
- Emergency dental for accidents up to $500 and emergency vision up to $100 outside the U.S.
- Medical evacuation and doctor referrals via the assistance team are available on applicable plans.
COVID-19 and acute onset of pre-existing conditions
COVID-19 is treated like any other illness and covered to the selected medical maximum. That clarity makes planning simpler.
Acute onset benefits apply after a 72-hour waiting period. Treatment must begin within 24 hours of symptoms. Age-based limits apply: ages 14 days to 69 years get up to $75,000 (non-cardiac) and $50,000 (cardiac/stroke). Ages 70 to 79 have lower caps; age 80 and older are not eligible for this benefit. Confirm age criteria before purchase.
Practical tips: U.S. citizens can buy plans that exclude U.S. coverage. Policies may start the day after purchase and run 5 to 364 days with renewal options. Carry your ID card and review the provider directory before departure. If a Schengen visa needs a $0 deductible, choose that option when you apply.
Medical Evacuation and Repatriation, Serious Protection for Serious Moments
When a medical crisis strikes far from home, prompt evacuation to the right facility matters most. Emergency coordination moves you from an inadequate local clinic to the nearest appropriate hospital when higher-level care is required.
Medical evacuation can include air or ground transport, medical escorts, and direct provider outreach to arrange care quickly. Policy limits vary by plan: Basic up to $250,000, Choice up to $1,000,000, and Annual up to $500,000 per year.
Assistance teams also manage evacuation repatriation and the repatriation of remains with sensitivity and legal coordination. They handle permits, airline arrangements, and family communications.
Compassionate logistics
Emergency medical reunion can bring a loved one to your bedside. Return of children arranges escorted travel home if a caregiver is hospitalized.
- Political or security evacuation appears on select plans, adding protection during unrest.
- Call assistance 24/7 to start case management early and speed approvals.
- Keep passports, plan ID cards, and key contacts handy to accelerate arrangements.
- Review excluded destinations before purchase so high-risk areas are clear in advance.
“Clear, round-the-clock coordination reduces stress and aligns care with policy terms.”
Inside the Plans, Trip Protection Basic, Choice, and Annual Multi-Trip
A clear side-by-side view helps you pick the plan that protects your booking and medical needs.
Coverage highlights, from medical limits to baggage protections
Basic is an affordable option with essential protections: 100% trip cancellation and interruption, $600 trip delay, $500 missed connection, $500 baggage loss and delay, and $250,000 medical evacuation. It does not include a pre-existing condition waiver.
Choice raises limits: 100% cancellation, 150% interruption, $2,000 trip delay, $1,500 missed connection, $2,500 baggage loss ($500 delay), and $1,000,000 medical evacuation. A pre-existing waiver can apply if timing and requirements are met. Political/security evacuation adds $20,000.
Annual Multi-Trip fits frequent travelers. Cancellation is 100% up to the yearly policy limit ($2,500–$10,000 options). Interruption pays 150% to the limit. Annual delay and baggage caps apply ($2,000 delay; $2,000 loss/$1,000 delay). Medical evacuation reaches $500,000 per year.
Who benefits from Basic versus Choice versus Annual Multi-Trip
Choose Basic for short, lower-cost trips where essentials suffice. Pick Choice when a larger trip investment needs higher limits and a possible pre-existing waiver. Opt for Annual Multi-Trip if you travel often and want per-year protections that cover multiple journeys.
State availability and destination restrictions you should review
Note availability limits: Basic and Choice are not sold in Missouri, New York, Pennsylvania, or Washington. Confirm eligibility before purchase.
Destination exclusions include Antarctica, Belarus, Cuba, North Korea, Iran, Russia, and Syria. Review these restrictions early for complex itineraries.
| Feature | Basic | Choice | Annual Multi-Trip |
|---|---|---|---|
| Trip Cancellation | 100% of prepaid cost | 100% of prepaid cost | 100% up to $2,500–$10,000 per year |
| Trip Interruption | 100% | 150% | 150% up to annual limit |
| Trip Delay | $600 | $2,000 | $2,000 per year |
| Missed Connection | $500 | $1,500 | $1,000 per year |
| Baggage (loss / delay) | $500 / $500 | $2,500 / $500 | $2,000 / $1,000 per year |
| Medical Evacuation | $250,000 | $1,000,000 | $500,000 per year |
Practical advice: align your selection with trip value, medical risk, and the need for stronger cruise connection benefits. If you have a known medical history, consider Choice for its waiver potential, provided you meet the timing requirements.
Seven Corners Travel Insurance, Add-Ons That Expand Your Safety Net
Optional riders let you tailor coverage so unexpected changes cost less and stress you less.
Cancel For Any Reason and Interruption For Any Reason
Cancel For Any Reason (CFAR) is an optional rider that refunds a percentage of nonrefundable trip cost when life changes for reasons outside standard covered events. When terms are met, CFAR typically reimburses up to 75% of prepaid losses.
Interruption For Any Reason (IFAR) helps mid-trip by reimbursing a portion of unused trip costs if you choose to cut the trip short. This add-on gives flexibility when plans change unexpectedly.
Key advantage: seven corners offers CFAR even on the cheapest single-trip plan, while IFAR is available as a Basic add-on. That accessibility is useful for budget-minded travelers.
Rental car, gear, and event protections
Rental car damage coverage reduces out-of-pocket costs after an incident. Add it to your plan to lower financial risk when driving abroad.
Sports and golf equipment rental benefits replace gear or cover rental fees when bags are delayed or items are damaged. Event ticket registration fee protection on Choice covers prepaid experiences that change or cancel.
- Read timing requirements for CFAR and IFAR carefully; purchase windows and deadlines matter.
- Document bookings, receipts, and confirmation numbers to speed claims.
- Match add-ons to trip complexity and personal risk tolerance so your safety net feels right-sized.
Pricing, Value, and How Costs Scale With Your Trip
A clear pricing snapshot helps you see how limits and add-ons change the bottom line for a specific trip.
Sample quote for a 44-year-old from Arizona to South Africa, $4,000 trip:
- Trip Protection Basic: $154
- Trip Protection Choice: $225
- Annual Multi-Trip: $375.50 (with a $2,500 annual cancellation limit)
These numbers let you benchmark cost versus benefit quickly. Higher medical evacuation limits, larger baggage protection, and the 150% interruption feature raise the premium.
Optional riders like CFAR and IFAR add flexibility but increase the total cost. Weigh that extra price against how likely you are to cancel for nonstandard reasons.
When an annual policy may deliver better value
If you take multiple trips per year, an annual policy can lower per-trip expense and simplify management. Check the annual cancellation limit when you compare policies because higher limits give broader protection.
Right-size your deductible and medical maximum to cut cost without underinsuring. Cruise-heavy itineraries often benefit from higher missed connection limits to protect embarkation plans.
Practical tip: get quotes early and enter accurate trip cost and dates. That ensures correct reimbursement on covered cancellations and helps you judge add-on value for rental car or sports gear coverage.
Global Provider Networks and Always-On Assistance
Access to a global provider network lets you find quality care fast, no matter where your trip takes you.
In the U.S., check your ID card to see whether UnitedHealthcare or PHCS applies. Mention the network name when booking care so staff can confirm direct-billing options and speed authorizations.
WellAbroad, vetted partners, and direct billing
The international directory on WellAbroad lists vetted providers by country, specialty, and billing status. Use it to find clinics that accept direct payment or to get provider contact information before you travel.
24/7 support and practical steps
Assistance is available 24/7/365 in multiple languages for emergencies, referrals, and document help. Save both digital and physical copies of your plan ID card and emergency numbers before departure.
- Search providers in advance for complex destinations.
- Ask about direct billing before a visit and keep receipts if reimbursement is needed.
- Call assistance for lost passports, wiring guidance, or medical evacuation arrangements.
Coordinated care reduces paperwork and improves outcomes. When you combine the ID card details with WellAbroad listings and one-call support, you get clearer information and faster travel medical coverage when it matters most.
Eligibility, Exclusions, and Pre-Existing Conditions
Before you buy, confirm who qualifies and which states accept each plan. This step saves time and reduces surprises when filing a claim.
Who can buy, age ranges, and U.S. state availability
Trip Protection Basic and Choice are available to U.S. residents up to age 99. Note that these plan options are not sold in Missouri, New York, Pennsylvania, or Washington. Verify residency rules before purchase.
Common exclusions, known storms, adventure sports, and more
Destination limits include Antarctica, Belarus, Cuba, North Korea, Iran, Russia, and Syria. Known storms named before purchase are excluded. Organized competitions, professional sporting events, hazardous activities, acts of war, and incidents involving drugs or alcohol are typically excluded.
Pre-existing condition coverage nuances across plan types
Basic does not cover pre-existing conditions. Choice may offer a pre-existing conditions waiver when purchase and payment windows are met. Travel medical plans carry age-based caps for acute onset of pre-existing conditions; review limits for non-cardiac and cardiac/stroke treatment.
Practical tips: insure the full prepaid, nonrefundable trip cost, read plan details for waiting periods and triggers, and consider CFAR or IFAR for added flexibility. Contact assistance to confirm optional adventure sports cover before you depart.
| Topic | Key Rule | Action |
|---|---|---|
| Age limits | Up to 99 for Basic/Choice | Confirm age eligibility when quoting |
| State availability | Not sold in MO, NY, PA, WA | Check resident state before purchase |
| Destination restrictions | Antarctica, Cuba, Iran, etc. | Verify destination list for your itinerary |
| Pre-existing conditions | Basic excludes; Choice may waive | Meet timing rules or add CFAR/IFAR |
How to Purchase, Manage Your Policy, and File a Claim
Start by gathering ages, dates, and total trip costs to get an accurate quote fast. That simple step makes online purchasing travel insurance smooth and avoids guesswork. You can buy a travel insurance plan on the seven corners website or call for guided help.
Online quotes, what information you need, and effective dates
Enter traveler age, residence, trip cost, destination, and travel dates to get a quote. Trip Protection usually becomes effective at 12:01 a.m. the day after payment. Travel medical plans often start on purchase and at departure from your home country.
Changing trip details, canceling within the free look, and refunds
To update dates, destinations, or costs email po****@**********rs.com. Use the 14-day free look to request a full refund; include your certificate number and date of birth.
Filing a claim, documents to gather, and tips for faster processing
File claim online, email cl****@**********rs.com, or mail to Seven Corners, Inc., Attn: Claims, 303 Congressional Blvd, Carmel, IN 46032 USA. Gather passport copies, itemized bills, physician notes, receipts, and proof of delay or cancellation.
Tips: respond quickly to requests, keep communications in one thread, and submit complete documentation to speed review. Carry your ID card and save a digital copy for appointments and direct billing coordination.
| How to buy | Contacts | Claim |
|---|---|---|
| Online or phone | 1-800-335-0611; worldwide +1-317-818-2809; text 1-888-655-1402; WhatsApp +1-317-430-1140; cu*************@**********rs.com | cl****@**********rs.com or mail to Carmel address |
Conclusion
When planning a cruise or overseas trip, clear, coordinated coverage makes the difference between stress and smooth sailing.
Seven Corners delivers layered protections that fit real trips: single-trip, annual multi-trip, and travel medical options with COVID-19 treated as any other illness.
Cruise passengers gain missed connection support, onboard coordination, and evacuation and repatriation benefits when needed. Global provider networks and 24/7 multilingual assistance back every plan.
Review eligibility and destination limits early, tailor limits to your trip cost, and consider add-ons like CFAR or IFAR for extra flexibility. Get a quick quote and choose the plan that turns uncertainty into confidence.
FAQ
What types of plans are available for cruise and international trips?
The company offers single-trip, annual multi-trip, and travel medical plans. Single-trip plans protect one journey, annual multi-trip covers multiple trips within a year, and travel medical focuses on overseas healthcare costs and emergency evacuations. Each plan level varies by medical maximums, deductibles, and baggage or trip interruption benefits.
How does trip cancellation and interruption coverage work?
Trip cancellation reimburses prepaid, nonrefundable expenses if you cancel for a covered reason before departure. Trip interruption covers unused portions and extra transportation costs if a covered event forces you to return early. Covered reasons typically include illness, injury, or defined emergencies; cancel-for-any-reason upgrades can expand protection.
Is medical evacuation and repatriation included, and what does it cover?
Yes, emergency medical evacuation and repatriation are core features. They cover transport to the nearest appropriate medical facility or a medically equipped return home when necessary. Plans also assist with arranging and coordinating transport, and some include emergency medical reunion or return of dependent children.
Are pre-existing conditions covered?
Coverage for pre-existing conditions depends on the plan and whether you meet the purchase and payment deadlines. Some plans include a waiver for acute onset of pre-existing conditions if you buy within a specified window and meet other eligibility rules. Always review the plan language for exclusions and required timelines.
Does the plan cover COVID-19 treatment and related travel disruptions?
COVID-19 is generally treated like other illnesses: medical treatment, hospitalization, and evacuation are covered when they meet policy terms. Trip cancellation or interruption for COVID-related reasons may be covered when they fall under listed covered reasons or with specific add-ons.
What baggage and personal effects protections are offered?
Baggage loss, theft, and delay benefits reimburse you for essential items or lost property up to stated limits. Baggage delay coverage typically pays for necessities when your bags are delayed for a set number of hours. Limits and claim requirements vary by plan, so keep receipts and documentation when filing.
How do missed connections and cruise connector coverage operate?
Missed-connection benefits reimburse additional travel expenses when you miss a connection due to a covered cause, including flights or transfers that impact cruise embarkation. The policy will define time thresholds and required documentation to validate the delay and expense.
Can I add Cancel For Any Reason (CFAR) or other optional upgrades?
Yes, CFAR and other add-ons like rental vehicle damage or adventure-sports coverage may be available depending on the plan and your state. CFAR typically reimburses a percentage of prepaid trip costs if you cancel for reasons not otherwise covered, but it must be purchased within the plan’s specified window.
What are typical medical maximums and deductibles?
Plans range from modest medical limits suitable for short trips to higher limits for extended international travel. Deductibles vary by plan. Some policies offer lower premiums with higher deductibles, while higher-limit plans may include low or no deductible options. Check each plan’s schedule of benefits for exact figures.
How do I purchase a policy and when does coverage start?
You can get an online quote and buy a policy through the provider’s website or an authorized agent. Coverage effective dates depend on the plan and purchase timing. Medical plans often start on the chosen effective date, while trip cancellation coverage usually begins when you pay for the policy. Verify effective and expiration dates on your policy documents.
What documents do I need to file a claim and how do I speed up processing?
Gather your policy number, proof of payment, receipts, medical records, police reports for theft, and travel supplier invoices. Submit digital copies through the claims portal when possible. Provide clear timelines and supporting documents to avoid delays; prompt filing and complete paperwork expedite resolution.
Are there destination or state restrictions I should know about?
Plan availability and certain benefits can vary by U.S. state and country of travel. Some destinations with travel advisories or exclusions may limit coverage for eviction from the policy. Review the policy’s state availability and destination restrictions before buying.
Does the plan offer access to provider networks and direct billing?
The plans tie into global provider networks for easier access to care abroad and may offer direct billing or assistance connecting with in-network providers. 24/7 multilingual assistance helps arrange care, verify benefits, and coordinate payments when available.
How does pricing scale with trip cost, duration, and traveler age?
Premiums increase with higher trip costs, longer durations, and older traveler ages. Higher medical limits and optional add-ons also raise the cost. For frequent travelers, an annual multi-trip plan often reduces per-trip expense compared with repeatedly buying single-trip coverage.
What common exclusions should I be aware of?
Typical exclusions include losses from known or forecasted events at purchase, self-inflicted injuries, participation in excluded adventure sports without endorsement, and claims arising from illegal activity. Read the exclusion section carefully to understand uncovered scenarios.
Who is eligible to buy a policy and what are age limits?
Eligibility depends on the plan, but most policies accept U.S. residents within specific age ranges. Some plans limit coverage for seniors or require medical screening for higher ages. Check each plan’s eligibility rules, including resident status and age caps.
