Seven Corners - Trip Protection Insurance Frequently asked questions

1. What is the eligibility to buy Seven Corner trip protections plans?
The following are the eligibility criterion for the different plans:
  • Round trip choice:
    US residents traveling outside their home
  • Round trip economy:
    US residents traveling outside their home
  • Round trip elite:
    US residents traveling outside their home
  • Round trip international:
    Any traveler who is not an US resident and travelling outside his/her home country for less than 30 days.
    US citizens residing outside US and travelling to US are not eligible to buy this plan

2. How do trip plans protect ones travel investment cost?
The trip plans will reimburse any non-refundable already invested trip expenses only if
  • The trip is cancelled
  • The trip is interrupted
  • The trip is delayed
  • The insured missed the cruise or tour connection
There are only some predefined list of conditions for which the trip was cancelled, interrupted, missed or delayed only for which the trip expenses are covered. If the conditions are not satisfied, the plans don’t offer reimbursement.

3. What are non-refundable and pre-paid travel investment expenses?
The expenses involved while planning the trip like flight charges, hotel bookings and other costs included or invested in the trip itinerary which will not be refunded in case the trip is cancelled, delayed, missed or interrupted.

4. What is covered reason?
The predefined list of conditions for which the travel investment charges are covered when the trip is cancelled, interrupted, delayed or missed connection.

5. What is trip interruption charge?
The invested trip cost is reimbursed if the trip is interrupted for a covered reason

6. What is trip cancellation charge?
The invested trip cost is reimbursed if the trip is cancelled for a covered reason

7. What is Secondary medical coverage offered by the Round trip 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.

8. Are any pre-existing conditions covered? How does Seven Corners decide whether it is a pre-existing condition for trip insurance?
Pre-existing conditions is a disease or illness that has happened 60 days before the plan starts for which a medical treatment has been received.
Pre-existing conditions coverage is offered only if the enrollment happens within 20 days of the initial trip cost.

9. How do I decide how much trip cost protection to buy?
The travelers must compute the nonrefundable expenses that they have invested for their planned trip. Based on that they decide on how much insurance coverage is required. Some plans have coverage for pre-existing conditions and some additional coverage. The applicants can select a plan that best satisfy all their requirements.

10. How can one cancel a Round trip plan and will the premium be refunded?
Send an email to cancel@sevencorners.com and mention that the plan needs to be cancelled.
Specify certificate number that is printed on the id card.
The premium will be refunded as follows:
Full refund if the plan is cancelled within 10 days of enrollment of the plan

11. 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)

12. Are there any geographic restrictions?
Yes, the plans don't offer trip expenses coverage when on trip to Cuba, Islamic Republic of Iran, and Syrian Arab Republic.

13. What is a 10-day look?
Please refer to the policy document for clear explanation. It essentially gives you the option to cancel the plan and get a full refund by informing Seven Corners in writing with the first of these events:
10 days from the effective date of your plan
10 days from your scheduled departure date.
The Insured should identify which one of these two events will happen first. This is the time that the traveler has to cancel the plan.

14. Can a group of travelers insure the entire group's trip cost on one person's policy?
No. The insured can only file a claim for the individual expenses for the trip and not that of the total expenses for a group of which the insured is a part of.
For example, if John, Steve and Smith are traveling together. They collectively pay for the airticket, car rental and a condo rental. John then insures only himself, but add the total expense of the full trip including the total airfare, car rental and condo rental. However in the event of a claim where the trip is cancelled if one of them falls sick, John will be reimbursed only for his share of the airfare, the car rental and the condo rental.

15. How does one figure out the family’s trip cost? Should one divide the total trip cost by the number of travelers?
This method of dividing the total trip cost by the number of travelers would only work if the cost for each traveler is exactly the same (airfare, hotel expense, cruise expense...) If however the expenses vary, then the above method will not work, and it will result in some travelers being over-insured while others are under-insured and this will impact the reimbursement in the event of a claim.
Here is an example: John and Betsy buy airline tickets for themselves at $1000 each and a ticket for their son at $700. Therefore the total ticketing cost is $2,700. If however they divide the total by 3, and insure each of them for $900, John and Betsy will not receive their full reimbursement of $1000 in the event of a claim. This in spite of the fact that John and Betsy show $1000 as their expenses, they will be reimbursed for $900 only as this is the amount they are insured for. Likewise even though their son is insured for $900, his claim will only be $700 as this is the expenses shown in his receipt. In other words here the parents were under-insured while the son was over-insured.
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