Seven Corners Trip Protection RoundTrip Basic Travel Insurance - 2024 Review

If you’re looking for travel insurance that provides coverage for your health, your belongings, and your trip costs at a reasonable cost, the Seven Corners Trip Protection RoundTrip Basic Travel Insurance may be suitable for your needs. With $100k of Travel Medical Coverage and $250k in Medical Evacuation (including repatriation of remains), this comprehensive trip insurance plan is suitable for travelers heading to Mexico or Canada or overseas to Europe and the Caribbean.

Review of Seven Corners Trip Protection RoundTrip Basic Travel Insurance

Trip Protection RoundTrip Basic, a comprehensive trip insurance plan from Seven Corners Travel Insurance, provides excellent levels of coverage for not just medical issues, but also trip cancellation and incidental complexities like luggage delay for trips as long as 90 days.

Seven Corners Travel Insurance: What is Trip Protection RoundTrip Basic Travel Insurance?

The Trip Protection RoundTrip Basic is an all-encompassing travel policy, providing ways to protect your investment in an upcoming trip, ways to protect your health during it, and ways to protect your belongings throughout your travels. Whether you’re traveling alone, with your spouse, or with your entire family, Trip Protection RoundTrip Basic provides plenty of just-in-case benefits.

Trip cancellation coverage provides security for 100% of the trip cost, up to $30,000.  Trip interruption also provides up to 100% of the trip cost if you must cut the trip short due to covered reason. Trip delay provides $200/day per traveler for meals and hotel costs up to the maximum of $600, while missed cruise/connection provides $250 up to a maximum of $500.  Meanwhile, emergency medical expenses are covered up to $100,000 (including $750 for repair to a dental injury) and up to $250,000 in emergency medical evacuation or repatriation of remains.

Baggage protection for lost, stolen, or damaged personal property is set at $250 per item up to a maximum of $500 under this plan, and $100 per day up to a maximum of $500 for baggage delay. Additional protections include options to add $35,000 of rental car coverage (approx. $7/day) and insuring sports and golf equipment rentals of $2,500 per item up to a maximum of $5,000. Cancel for Any Reason or Interrupt for Any Reason can be added if purchased within 20 days of the initial trip payment or deposit and the additional required premium is paid. Trips of up to 180 days in length can be covered.

Seven Corners Travel Insurance Review: What’s Missing From Trip Protection RoundTrip Basic Travel Medical Insurance?

There are a few limitations. A Pre-Existing Medical Condition Exclusion Waiver is not available. Accidental Death and Dismemberment (AD&D) is also not included.

Cover for job termination and layoff is included in the plan. However, in the event that a previously approved work vacation period is rescinded, there is no coverage unless a Cancel For Any Reason benefit is included.

In addition to these limitations, Trip Protection RoundTrip Basic does not cover trips made to Cuba, the Syrian Arab Republic, or the Islamic Republic of Iran.

We think that the Seven Corners Trip Protection RoundTrip Basic Travel Insurance plan strikes a good balance between sensible cover for a discerning traveler, and needless additional coverage which would simply add expense. The majority of customers who will find the Basic policy useful will be travelers to Mexico, Canada or Europe who have no pre-existing medical conditions and are looking for reasonable travel insurance that will still have strong coverage.

Round Trip Basic Policy Benefits

Trip Cancellation - 100% of Trip Cost up to $30,000

Covers your non-refundable, prepaid trip cost if you are unable to take your trip due to a covered reason.

Trip Interruption - Up to 100% of Trip Cost

Covers the non-refundable, unused portion of your prepaid trip cost and the additional cost to return home or rejoin your trip due to a covered reason.

Trip Delay - $200 up to $600

Pays for additional transportation, meals, accommodations, and non-refundable, unused prepaid expenses if you are delayed six or more hours en route to/from your trip. (Separate coverage reasons apply.)

Missed Cruise/Tour Connection - $250 per day up to a maximum of $500

Pays additional transportation costs to join your cruise or tour if you miss your connection due to a delay of three or more hours. Also covers accommodations, meals, and non-refundable trip payments for the unused portion of the cruise or tour. (Separate coverage reasons apply.)

Medical Protection

Emergency Medical Expense - $100,000 Includes Dental Expense of $750 for an injury

Covers medical treatment for a sickness or injury that occurs during your trip.

Emergency Medical Evacuation/Repatriation - $250,000

We will transport you to the nearest appropriate medical facility if medically necessary and return your remains to your residence or burial place if you die while traveling. If you are hospitalized more than seven days, we will 1) transport dependent children home if they are traveling with you, and 2) send a person chosen by you to/from your bedside if you are traveling alone.

Baggage Protection

Lost, Stolen or Damaged Baggage & Personal Effects - $500

Baggage Delay - $500

Covers checked bags for flights on the way TO destinations if delayed more than 12 hours. (This is secondary to other coverage.)

Non-Insurance Services

24/7 Travel Assistance Service - Included (provided by Seven Corners Assist)

Optional Benefits

Sports/Golf Equipment Rental - $2,500 per item up to $5,000. Approx. $10/day per traveler

Provides coverage for sporting equipment including golf club rentals while on your trip.

Rental Car Damage - $35,000

Provides rental car cover while on your trip. Approx. $7/day

Cancel For Any Reason - 75% of Trip Cost refunded

Pays if you cancel your trip for any reason not otherwise covered, if 1) you cancel two days or more before departure, 2) you buy coverage within 20 days of your initial trip deposit, and 3) you insure all nonrefundable prepaid trip costs (you must also insure the cost of subsequent travel arrangements added to your trip within 15 days of the payment/deposit for each of those arrangements). (Not available to NY residents.)

Trip Cancellation And Interruption Covered Reasons

• Sickness, Injury or Death
• Complications from Pregnancy
• Jury Duty
• Quarantine
• Court-Ordered Appearance
• Traffic Accident
• Residence Uninhabitable
• Strike
• Felonious Assault
• Military Duty for Natural Disaster Relief
• Termination/Layoff/Transfer
• Weather
• Terrorist Incident
• Bankruptcy/Default
• Natural Disaster
• Hijacking

Review of Seven Corners Trip Insurance Company: Trip Protection RoundTrip Basic Travel Insurance Overall Rating

As long as you’re aware of its limitations with its baggage coverage, and you don’t need to cover pre-existing medical conditions, the Trip Protection RoundTrip Basic is an excellent choice for anyone traveling outside the borders of their home country for up to 180 days at a time.

Safe travels!