Seven Corners Trip Protection Elite Insurance

Trip Insurance for residents of New York and Washington to USA

Seven Corners Trip Protection Elite Insurance

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What is Trip Protection Elite insurance?

Trip Protection Elite is a travel insurance plan designed specifically for residents of New York and Washington traveling within the USA or abroad. This plan provides secondary medical coverage, meaning it reimburses eligible medical expenses after your existing health insurance pays, making it ideal for travelers who already have a primary health plan or high-deductible insurance.

In addition to medical coverage, Trip Protection Elite also protects trip expenses, travel delays, baggage issues, and emergency travel assistance, giving travelers comprehensive protection while keeping costs affordable. Optional upgrades like Cancel For Any Reason (CFAR) or Interruption For Any Reason (IFAR) provide added flexibility for trips canceled or interrupted for reasons not normally covered.

How do you calculate trip cost for trip protection?

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Trip Protection Elite reviews

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Trip Cost
Coverage up to $30,000
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Trip Duration
90 days
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Coverage type help
Secondary
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Medical
Up to $250,000 per person
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Medical Evacaution help
Up to $1,000,000 per person
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Trip Cancellation help
Up to 100% of trip cost
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Trip Interruption help
Up to 100% of trip cost
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Best for
  • Luxury travelers
  • New York and Washington Residents
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Underwriter
United States Fire Insurance Company

What are the key highlights of Trip Protection Elite insurance?

  • Ideal plan for residents of New York and Washington states traveling within the United States or outside USA.
  • Travelers can choose trip cost up to $20,000.
  • Pre-existing conditions are covered if you buy within 20 days of your initial trip deposit.
  • Medical evacuation and Repatriation of Remains covered up to $1,000,000.
  • Underwritten by United States Fire Insurance Company, rated A (Excellent) by AM Best.
  • Accident and Sickness medical expense covered up to $250,000.
  • Access to non-insurance 24/7 emergency travel assistance services.
  • Rental car damage covers up to $35,000.

Who is eligible to buy Trip Protection Elite insurance?

  • The plan is available to U.S. residents residing in New York State and Washington State.
  • Available for travelers up to 99 years.
  • Coverage of maximum up to 90 days.

What does travel insurance cover?

  • Protection for Your Trip Expenses - If you cancel or interrupt for a covered reason, our plans reimburse unused, non-refundable payments or deposits for the travel arrangements you purchased for your trip. You’ll also find valuable benefits such as Trip Delay and Missed Tour or Cruise Connection.
  • Protection for Your Health - If you get sick or hurt during your trip, your Seven Corners plan provides emergency medical expense coverage. You also get emergency medical evacuation coverage if adequate treatment is not available in your immediate area. It reimburses transportation expenses to transport you to the nearest suitable medical facility if you incur an acute, severe, or life-threatening sickness or injury.
  • Protection for Your Belongings - If your baggage is lost, stolen, damaged, or destroyed during your trip, we can reimburse you to replace essential personal items and help you recover your losses.

When is the best time to purchase travel protection?

It's best to purchase travel protection as soon as you make your first payment or deposit for your trip.

  • Travel insurance covers unexpected events not only during your trip but also before departure.
  • Benefits like Cancel for Any Reason (CFAR), Interruption for Any Reason (IFAR), and the Pre-Existing Condition Waiver are only available if you buy within a specific timeframe.
  • Purchasing early gives you time to review your plan and understand your coverage, ensuring you're prepared when your trip begins.

Seven Corners Best cruise insurance for US travellers

How much does Trip Protection Elite Insurance cost?

Trip Protection Elite travel insurance cost ranges from $138 to $3,215 for for a 15 day trip. The trip insurance cost depends on the age of the traveler, the trip duration, the cost of the trip, the maximum coverage and any additional add-on options you choose.

For example here we are showing Trip Protection Elite travel insurance cost for $20,000 maximum coverage for a 15 days trip length and a trip cost of $5,000, $10,000, $15,000 and $20,000 respectively.

Age of traveler Trip cost of $5,000 Trip cost of $10,000 Trip cost of $15,000 Trip cost of $20,000
0 – 34 years $138 $292 $464 $644
35 – 55 years $197 $408 $661 $921
56 – 70 years $321 $650 $1,076 $1,494
71 – 80 years $497 $937 $1,595 $2,205
81 – 99 years $821 $1,320 $2,339 $3,215

Why Choose Trip Protection Elite for New York and Washington Residents?

Trip Protection Elite is a travel insurance plan for New York and Washington residents, offering secondary medical coverage that reimburses expenses after your primary insurance. It protects trip costs, travel delays, baggage, and emergencies, with optional Cancel For Any Reason (CFAR) or Interruption For Any Reason (IFAR) upgrades for added flexibility.

Key Benefits of Trip Protection Elite:
  • Trip Cost Coverage: Protect your prepaid trip costs up to $30,000.
  • Secondary Medical Coverage: Covers eligible medical expenses after your primary health insurance pays.
  • Medical Evacuation & Repatriation: Up to $1,000,000 — secondary coverage (primary for NY residents).
  • Accident & Sickness Medical Expenses: Up to $250,000 — secondary coverage (primary for NY residents).
  • Optional CFAR & IFAR Upgrades: Reimburses 75% of your nonrefundable trip cost.
  • Optional Rental Car & Sports Equipment Coverage: Up to $35,000 for rental car damage and up to $2,500 per item (maximum $5,000) for sports equipment rental.
  • Optional Cancel for Work Reasons: 100% of your nonrefundable trip cost.

Is Trip Protection Elite travel insurance right for You?

Trip Protection Elite is ideal for:

  • International Travelers – Those visiting Schengen countries, Europe, Asia, or other global destinations who need medical and trip protection.
  • Frequent Flyers & Business Travelers – Professionals who travel often and require trip interruption and emergency medical coverage.
  • Luxury Travelers & Cruises – High-value trips with non-refundable bookings benefit from trip cancellation reimbursement.
  • Families & Groups – Provides customizable coverage for family vacations or group travel.
  • Senior Travelers – Offers medical coverage and emergency evacuation, crucial for older travelers.
  • Adventure & Activity Enthusiasts – Covers delays, medical emergencies, and lost baggage for those engaging in activities abroad.

Compare Trip Protection insurance Plans

What are the plan benefits of Trip protection Elite insurance?

  • Trip Cancellation help Up to 100% of your nonrefundable Trip Cost up to $30,000
    Trip Interruption help 150% of your nonrefundable Trip Cost
    Trip Delay help $300 per day up to $1,500 (6 hours)
    Missed Tour or Cruise Connection help $150 per day up to $1,500 (cruises and tours only)
    Emergency Accident & Sickness Medical Expense $250,000 — Secondary coverage
    Medical Evacuation and Repatriation of Remains help $1,000,000
    Baggage & Personal Effects $300 per item up to $2,500
    Pre-existing Medical Conditions Exclusion for pre-existing conditions can be waived if you meet the requirements
    Baggage Delay (12 hours) help $600
    Change Fee $75
    Emergency Dental Expense $750
    Common Carrier AD&D $25,000
  • Rental Car Damage $35,000
    Air Flight Only Accident Options: $100,000, $250,000, or $500,000
    Optional Cancel for Any Reason** help 75% of your non-refundable Trip Cost
    Cancel for Work Reasons 100% of your non-refundable Trip Cost
    Lost Ski Days & Equipment Rental $1,000 ($500 ski days/$500 equipment)
    Lost Golf Rounds & Equipment Rental $1,000 ($500 golf/$500 equipment)
    **Reimbursement is provided if you cancel 2 or more days before scheduled departure date. See plan document for additional details.

Why should I buy travel insurance with Cancel For Any Reason (CFAR) and Interrupt For Any Reason (IFAR) coverage?

While the standard trip cancellation plans provide strong protection for many common travel risks, CFAR and IFAR take that protection a step further by covering situations that fall outside the traditional list of covered reasons.

  • Increased flexibility: CFAR gives travelers the ability to cancel their trip for any reason at all-whether it's fear of travel, a change in plans, or something personal-and still be reimbursed up to 75% of their prepaid, nonrefundable trip costs.
  • Peace of mind after departure: IFAR provides similar flexibility once travel has begun, offering coverage for interruptions that wouldn't otherwise be eligible under standard trip interruption benefits.
  • Stronger satisfaction: Today's travelers want control and reassurance. At American Visitor Insurance we have plans offering best CFAR and IFAR coverage as we understand your desire for flexibility and are proactively providing you with the plans with most comprehensive protection available.
  • A competitive advantage: Many travelers are still navigating uncertainty, and these benefits are a key differentiator. We consistently offer plans with CFAR and IFAR coverage and are more likely to build trust, earn referrals, and offer more high-value policies. The CFAR or IFAR coverage is essential for travelers so that they can make an informed decision based on their risk tolerance and trip investment.

Seven Corners Trip Protection Elite Travel Insurance - FAQ's

1. What is the coverage area of Trip Protection Elite travel insurance?

Trip Protection Elite offers coverage for residents of New York and Washington traveling in the United States /internationally. It can be purchased for travelers of 14 days for up to the age of 99 years. Covers trips up to 90 days.

2. Does Trip Protection Elite will cover Cancel for Any Reason?

Yes, Trip Protection Elite offers Optional cancel for any reason up to 75% of your nonrefundable trip cost.

3. Does Trip Protection Elite cover Pre-existing conditions?

Yes, Trip Protection Elite offers coverage for Pre-existing medical conditions waiver covered if you meet the requirements.

4. How much does Trip Protection Elite travel insurance cost?

The cost of the Trip Protection Elite insurance will vary depending on the age of the traveler, the type of coverage, the travel destination and the duration of travel.

5. How do I purchase Trip Protection Elite Insurance?

You can purchase Trip Protection Elite Insurance on American Visitor Insurance by visiting buy Trip Protection Elite or calling (877)-340-7910. Licensed insurance agents can provide more information on how to apply for Trip Protection Elite travel health insurance.

6. What are the requirements for applying Trip Protection Elite Insurance?

The main requirements for applying for Trip Protection Elite insurance is the travelers passport details and the travel dates. You can apply for Trip Protection Elite insurance online on American Visitor Insurance or call (877)-340-7910 to get help while applying.

7. What is trip cancellation charge?

The invested trip cost is reimbursed if the trip is cancelled for a covered reason.

8. How can one change the travel dates or other data on the plan?

Send an email to policy@sevencorners.com and mention the details what needs to be altered.
Specify the following:
The certificate number that is printed on the ID card, first and last name and date of birth.
Changes: trip cost, trip dates, destinations.
Applicants' details: address, name corrections, add dependents (if allowed by the plan).

9. What is Secondary medical coverage offered by the Trip Protection plans?

The trip offers medical coverage for the excess medical expenses only after the primary plan pays for the expenses. If the medical insurance has paid for medical and there is still more expenses to be covered, a copy of benefits covered by the medical insurance must be submitted and the trip plan will then pay the remaining medical expenses covered.

10. Which travel insurance provides primary coverage for New York residents?

Seven Corners Trip Protection Elite is primarily a secondary travel insurance plan, meaning most medical expenses are reimbursed after your primary health insurance pays. However, for New York residents, certain benefits including Accident & Sickness Medical Expenses and Emergency Medical Evacuation are treated as primary coverage, meaning these benefits pay first, providing faster claims processing and reducing out-of-pocket costs.

11. Is Cancel For Any Reason (CFAR) available for New York residents?

Yes, Seven Corners Trip Protection Elite, available through American Visitor Insurance, is the only travel insurance plan for New York residents that offers Cancel For Any Reason (CFAR), It reimburses up to 75% of your nonrefundable trip cost if you cancel your trip for reasons not normally covered.

12. Is Cancel For Any Reason (CFAR) available for Washington residents?

Yes, Seven Corners Trip Protection Elite, available through American Visitor Insurance, is the only travel insurance plan for Washington residents that offers Cancel For Any Reason (CFAR) up , It reimburses up to 75% of your nonrefundable trip cost if you cancel your trip for reasons not normally covered.

13. Is Cancel For Work Reasons (CFWR) available for New York residents?

Yes, Seven Corners Trip Protection Elite, available through American Visitor Insurance, offers Cancel For Work Reasons (CFWR) for New York residents, reimbursing 100% of your nonrefundable trip cost if you must cancel due to work-related reasons.

14. Is Cancel For Work Reasons (CFWR) available for Washington residents?

Yes, Seven Corners Trip Protection Elite, available through American Visitor Insurance, offers Cancel For Work Reasons (CFWR) for Washington residents, reimbursing 100% of your nonrefundable trip cost if you need to cancel due to work obligations.

15. What qualifies as a valid reason under Cancel For Work Reasons?

CFWR covers cancellations due to mandatory work obligations, job transfers, or other employment-related requirements that prevent you from traveling. Specific terms may vary by plan, so check your policy details.

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How do I file a claim with Trip Protection Elite insurance?

To file a claim with Trip Protection Elite insurance, follow these steps:

  1. Download the Claims Form: Access the Trip Protection Elite insurance claims form online.
  2. Contact Customer Support: Call the toll-free number 1-800-335-0611 or fax (+1) 317-575-2256 for guidance or assistance.
  3. Complete and Submit Documents: Fill out the claims form and send it, along with any required supporting documents, to the Claims Department:
    • Mailing Address: Seven Corners, Inc, P.O. Box 211760, Eagan, MN 5512.
  4. Email Assistance: For additional help or inquiries, email claims@sevencorners.com.
Know more about Seven Corners Claims »

Seven Corners Trip Protection Elite – Summary

Trip Protection Elite is a premium travel insurance plan designed for New York and Washington residents traveling domestically or internationally. The plan provides secondary medical coverage for most travelers, reimbursing eligible medical expenses after your primary health insurance pays. For New York residents, certain medical benefits, such as Accident & Sickness Medical Expenses and Emergency Medical Evacuation, are treated as primary coverage, paying first without needing to file a claim with your existing health insurance.

The plan safeguards trip costs, travel delays, baggage, and emergencies, with optional upgrades for added flexibility:

  • Cancel For Any Reason (CFAR): Reimburses up to 75% of nonrefundable trip costs.
  • Cancel For Work Reasons (CFWR): Reimburses 100% of nonrefundable trip costs if you must cancel due to work obligations.
  • Optional riders include coverage for rental car damage and sports equipment rental.

Trip Protection Elite is ideal for travelers with high-deductible health plans, existing coverage at home, families, and seniors seeking comprehensive travel protection. The plan is available through American Visitor Insurance, offering reliable support and claims assistance.

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