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Seven Corners Review: Customizable Travel Insurance Limits

Seven Corners, a privately held Indiana company since 1993, sells trip protection with 75% Cancel for Any Reason on every main plan and up to $500,000 primary medical on Trip Protection Choice.

By Diogo Almeida, Contributor. See their work.Published June 17, 2026Updated October 16, 2026This page was compiled from primary sources: company disclosures and terms, the BBB and regulators. Our ratings method is described on the methodology page.
Seven Corners Customizable Travel Insurance Limits BestGuide rating
3.8/5 BestGuide rating: 3.8 out of 5. Set by our editors from reputation, services, transparency, customer satisfaction and scale. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner.

Best for: Travelers outside New York who want Cancel for Any Reason or primary medical coverage on a mid-priced plan.

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On this page14 sections
  1. Ratings and complaints
  2. Seven Corners vs. competitors
  3. Pricing
  4. Step by step
  5. Seven Corners legitimacy and licensing
  6. Seven Corners plans: which one you'll be offered
  7. Seven Corners cost
  8. Cancel for Any Reason and pre-existing conditions
  9. How Seven Corners Works: A Seven Corners Review
  10. Seven Corners complaints and claims
  11. Cancellation, refunds and destination limits
  12. What customers say
  13. Alternatives
  14. FAQ
Our verdict

Seven Corners is a strong pick if you want Cancel for Any Reason without buying a top-tier plan: both Trip Protection Basic and Choice can add 75% CFAR and 75% Interruption for Any Reason. It is a legitimate travel insurance company founded in 1993 in Carmel, Indiana; its trip plans are underwritten by United States Fire Insurance Company (Crum & Forster, A+ from AM Best). Choice adds primary medical up to $500,000 and $1,000,000 evacuation. Complaints are low at the BBB (28 in three years) but claim denials are the main gripe on review sites.

Your options

  • Freely Alternative Healthy U.S. travelers who want solid medical and evacuation coverage and like adding ski, adventure or rental car coverage only on the days they need it.
    Visit site
  • InsureMyTrip Alternative Travelers with fixed trip dates and costs who want to compare several insurers' plans with a licensed agent's help.
    Visit site
Company
Seven Corners, Inc., 303 Congressional Blvd, Carmel, IN; founded 1993 as Specialty Risk International; privately held3
Underwriter
United States Fire Insurance Company (Crum & Forster), rated A+ (Superior) by AM Best 20251
Main plans
Trip Protection Basic and Choice (most states); Economy and Elite for New York and Washington residents only1
Trip cancellation
100% of insured cost up to $30,000 (Basic) or $100,000 (Choice) per person1
Medical
Basic $100,000 secondary; Choice $500,000 primary, plus $1,000,000 evacuation1
Cancel for Any Reason
75% on Basic and Choice; buy within 20 days of first trip deposit; not available to New York residents1
Free look
14 days on Basic and Choice (15 in Missouri); 10 days on Economy and Elite1
Trip length
Up to 180 days on Basic and Choice (30 for Hawaii residents); 90 days on Economy and Elite1

Seven Corners ratings and complaint records

  • BBB A+ Seven Corners, Inc., Carmel, IN; accredited since June 19, 1999; 28 complaints in the last 3 years; 16 customer reviews View source
  • Trustpilot 4.5 out of 5 6,334 reviews; 71% five star and 13% one star; replied to 100% of negative reviews View source
  • AM Best (underwriter) A+ (Superior) Crum & Forster group, including United States Fire Insurance Company, per Seven Corners' 2025 plan disclosures View source

Pros

  • 75% Cancel for Any Reason and Interruption for Any Reason on both Basic and Choice
  • Choice pays medical on a primary basis up to $500,000
  • Long 20-day window for the pre-existing condition waiver
  • Trips up to 180 days on Basic and Choice
  • A+ rated underwriter and only 28 BBB complaints in three years

Cons

  • No CFAR for New York residents
  • New York and Washington residents get lower-limit Economy and Elite plans
  • Basic's medical coverage is secondary
  • Prices aren't published
  • Claim denials are the top complaint on review sites

Best for: Travelers outside New York who want Cancel for Any Reason or primary medical coverage on a mid-priced plan.

Skip it if: You live in New York and want CFAR, or you only need medical coverage and no trip cancellation.

Seven Corners vs. competitors

Seven Corners compared with competitors
CompanyTop plan medicalCancel for Any ReasonPre-existing waiver: buy withinFree lookNext step
Seven Corners (Choice) $500,000 primary75%, Basic and Choice, not in New York20 days of first trip deposit14 days
Travel Guard $150,000 (Deluxe)Typically 50%, Preferred and Deluxe15 days of first trip payment15 days Read review
Allianz Travel Insurance $50,000 (OneTrip Prime)Cancel Anytime: typically up to 80%, OneTrip Prime and Premier14 days of first trip payment15 days or longer by state Visit site
Generali Global Assistance (Premium) $250,00060%, Premium only24 hours of final trip payment10 to 15 days (30 in Indiana) Read review

Travel insurance we reviewed

  1. Seven Corners This review BestGuide rating: 3.8 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Travelers outside New York who want Cancel for Any Reason or primary medical coverage on a mid-priced plan.
  2. Freely BestGuide rating: 4.5 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Healthy U.S. travelers who want solid medical and evacuation coverage and like adding ski, adventure or rental car coverage only on the days they need it.
    Visit site Read review
  3. InsureMyTrip BestGuide rating: 4.5 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Travelers with fixed trip dates and costs who want to compare several insurers' plans with a licensed agent's help.
    Visit site Read review
  4. WorldTrips BestGuide rating: 4.5 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: U.S. travelers who want strong primary medical and evacuation coverage with trip cancellation, or travelers who need medical-only coverage for long stays abroad.
    Visit site Read review
  5. Allianz BestGuide rating: 4.3 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Large U.S. companies and multinationals that need specialty or cross-border coverage placed through a broker.
    Read review
  6. Faye BestGuide rating: 4.3 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: U.S. travelers who want primary medical coverage abroad and prefer to handle the whole policy, including claims, in an app.
    Visit site Read review
  7. World Nomads BestGuide rating: 4.0 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Backpackers, solo travelers and adventure travelers who want activities like diving, skiing and trekking covered without extra riders.
    Visit site Read review
  8. Generali BestGuide rating: 3.8 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: US travelers who book a cruise or tour, buy right after their first deposit and want high evacuation limits.
    Read review
See all travel insurance, ranked

Seven Corners pricing at a glance

Seven Corners Trip Protection Basic vs. Choice, as listed October 20261

Benefit Basic Choice
Trip cancellation Up to $30,000 per person Up to $100,000 per person
Trip interruption 100% of insured cost 150% of insured cost
Cancel / Interrupt for Any Reason (optional) 75% 75%
Emergency medical $100,000 secondary $500,000 primary
Medical evacuation and repatriation $250,000 $1,000,000 primary
Pre-existing condition waiver Not included If bought within 20 days of first deposit
Trip delay (6 hours) $200 a day, $600 max $250 a day, $2,000 max
Baggage $500 ($250 per item) $2,500 ($250 per item)
Political or security evacuation Not included $20,000
Change fee Up to $75 Up to $300

Prices aren't published; you get a quote based on age, trip cost, dates and state. Basic and Choice aren't sold to New York or Washington residents. Optional rental car damage up to $35,000 and sports equipment rental can be added.

Seven Corners, step by step

  1. Get a quote

    Enter your state, ages, dates and prepaid nonrefundable trip cost. Your state decides which plans you see.

  2. Buy early

    Buy within 20 days of your first trip deposit to get the pre-existing condition waiver (Choice) or add Cancel for Any Reason.

  3. Insure later costs

    Add any trip costs you pay later within 15 days to keep CFAR and the waiver in force.

  4. Review during the free look

    You can cancel for a refund within 14 days (Basic and Choice) if you haven't left or filed a claim.

  5. Travel and claim

    Call Seven Corners Assist 24/7 for emergencies, then file claims online with receipts and supplier documents.

Seven Corners legitimacy and licensing

Yes. Seven Corners, Inc. was founded in 1993 by Jim Krampen and Justin Tysdal (originally as Specialty Risk International) and is a privately held company in Carmel, Indiana. It designs and administers the plans and handles claims; the insurance itself is underwritten by United States Fire Insurance Company, part of Crum & Forster, which Seven Corners says AM Best rates A+ (Superior). Seven Corners also runs a healthcare claims business that serves the Federal Bureau of Prisons.

The BBB has accredited Seven Corners since 1999 and rates it A+, with 28 complaints in three years. Trustpilot shows 4.5 out of 5 from 6,334 reviews, and the company replies to every negative one.

Seven Corners plans: which one you'll be offered

Your state decides your plan. In most states, Seven Corners sells Trip Protection Basic and Trip Protection Choice. Residents of New York and Washington can’t buy those and get Economy and Elite instead. Elite has lower limits than Choice: $250,000 of secondary medical (primary for New Yorkers), Trip cancellation. Reimburses prepaid, nonrefundable trip costs if you cancel before departure for a reason the policy covers. Compare travel insurance up to $20,000 (up to $100,000 in New York and $30,000 in Washington), a 90-day trip limit and a 10-day free look.

Seven Corners also sells annual multi-trip plans, a domestic Get Away USA plan, cruise coverage, travel medical plans for U.S. and non-U.S. travelers, medical evacuation memberships and expat health insurance. Travel medical limits and deductibles aren’t on its overview pages, so get a quote.

Seven Corners cost

Seven Corners doesn’t publish prices. Your premium depends on your age, trip cost, trip length, state and add-ons such as CFAR, IFAR, rental car damage or flight accident coverage. Trips longer than 30 days cost extra. Get a quote directly and compare it with at least two other insurers.

Alternative: FreelyVisit siteCompare all

Cancel for Any Reason and pre-existing conditions

CFAR reimburses 75% of your insured nonrefundable trip cost if you cancel for a reason the policy doesn’t otherwise cover. Buy it within 20 days of your first trip deposit, insure 100% of your prepaid costs, and add later payments within 15 days. On Elite, you must cancel at least 2 days before departure. Interruption for Any Reason also pays 75% if you cut a trip short 48 hours or more after departure. Neither is available to New York residents.

Choice and Elite can waive the pre-existing condition exclusion if you buy within 20 days of your first payment and are medically able to travel when you buy. Basic and Economy don’t cover pre-existing conditions. Seven Corners looks back 60 days before coverage starts.

Key Takeaway: Seven Corners (Expert Score: 3.8/5.0)

Seven Corners earns an Expert Score of 3.8/5.0 from BestGuide, scoring highest in Scalability at 85% due to its global provider network. While the company offers highly flexible policies underwritten by A.M. Best A-rated carriers, customers frequently report claims processing times that can exceed 100 days.

Seven Corners earns an Expert Score of 3.8/5.0 from BestGuide, ranking it as a functional option for international travelers who prioritize customized policy limits. In this Seven Corners review, we examine the company’s policy structures, underwriting backing, and claim processing history. Over more than 30 years in business, the company has generated diverse Seven Corners reviews from global travelers. While some customers praise the flexibility of its customized medical plans, others report significant administrative friction during the claims process.

If you are planning an upcoming trip, choosing the right policy requires comparing multiple providers. Compare Seven Corners with other top-rated travel insurance companies to see how it stacks up.

How Seven Corners Works: A Seven Corners Review

Seven Corners acts as a program administrator, which means it designs, markets, and administers travel insurance plans, but does not underwrite them. When you purchase a plan through the company, your actual coverage is backed by United States Fire Insurance Company or Crum & Forster. Both entities hold an A (Excellent) financial strength rating from the rating agency A.M. Best. The administrator offers 6 distinct policies on the Squaremouth comparison engine, divided primarily into trip protection plans and travel medical insurance.

To acquire a policy, you must first input specific details on the Seven Corners website to generate travel insurance quotes. These details include your departure and return dates, the age of each traveler, and your total non-refundable prepaid trip costs. Policy coverage durations are highly flexible, starting at a minimum of 5 days and extending up to 364 days. For individuals requiring long-term international coverage, certain travel medical plans are renewable for a total duration of 1,092 days.

Once you select a plan, you can customize your coverage through various deductibles and maximum limits. For instance, the Travel Medical Basic and Travel Medical Choice plans offer deductible choices ranging from $0 to $5,000. Coverage limits are heavily dependent on the age of the traveler at the time of purchase. For travelers aged 64 and younger, medical maximum options reach up to $1,000,000. However, for travelers aged 65-79, the maximum coverage drops to $50,000 or $100,000, and for those aged 80 and older, it is capped at a strict limit of $10,000.

Filing a claim with Seven Corners involves submitting documentation through their online portal. The company restricts online uploads to a maximum of 5 receipts per claim session, which often requires users to combine documents into single PDF files to avoid system rejections. Why it matters: This specific technical limit creates administrative hurdles.

What customers say about Seven Corners

Recurring themes across the review sites and complaint records listed above, not individual quotes.

Common praise

  • Easy online quote and purchase
  • Responsive, knowledgeable phone agents
  • Clear explanations of coverage
  • CFAR available on lower-priced plans
  • Helpful emergency assistance abroad

Common complaints

  • Claims denied under exclusions, such as for lodging, medical bills or lost items
  • Strict documentation and time limits on claims
  • Few updates while a claim is pending
  • Secondary medical on Basic means you file with your own insurer first

Seven Corners complaints and claims

Complaints at the BBB are low, but reviews on Trustpilot repeat a few themes: claims denied under exclusions (prepaid lodging, medical bills, lost phones), strict paperwork and deadlines, and slow updates while a claim is open. To avoid problems:

  • Read the plan document for your state; covered reasons vary by state.
  • Keep receipts, supplier cancellation policies and medical records from the start.
  • Call Seven Corners Assist before getting non-emergency care or changing travel plans.
  • On Basic, file with your health insurer first, since medical is secondary.
  • If a claim stalls, complain to your state insurance department.

Cancellation, refunds and destination limits

Basic and Choice have a 14-day free look (15 days in Missouri): cancel in writing for a full refund if you haven’t left or filed a claim. Economy and Elite have 10 days or until departure, whichever comes first. After that, premiums aren’t refundable.

Seven Corners won’t cover trips to more than 30 countries and territories, including Cuba, Iran, Israel, Russia, Ukraine, the UAE, Qatar and Saudi Arabia, as listed October 2026. Check the list before you buy if your trip includes the Middle East.

Alternative: FreelyVisit siteCompare all

Alternatives to Seven Corners

  • Allianz BestGuide rating: 4.3 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner.Read review

    Its Cancel Anytime upgrade typically reimburses up to 80% instead of 75%.

    Visit site
  • AIG Travel Guard BestGuide rating: 4.1 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner.

    A large insurer with a 15-day free look and pre-existing waiver window, though its CFAR usually pays 50%.

    Read review
  • IMG BestGuide rating: 3.9 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner.

    Better if you mainly need high-limit travel medical coverage abroad rather than trip cancellation.

    Read review
  • Your credit card's trip protection

    Many travel cards include trip cancellation and delay coverage at no extra cost when you pay with the card.

See all travel insurance, ranked

Next steps

Alternative Freely Visit site
Alternative InsureMyTrip Visit site
Alternative WorldTrips Visit site

Seven Corners reviews

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Frequently asked questions

Is Seven Corners a good travel insurance company?

It's a solid choice, especially for 75% CFAR on mid-priced plans and primary medical on Choice. It has an A+ BBB rating with 28 complaints in three years, and its underwriter is rated A+ by AM Best.

Who underwrites Seven Corners travel insurance?

United States Fire Insurance Company, part of Crum & Forster, underwrites the trip protection plans. Seven Corners administers the plans and claims.

Does Seven Corners cover pre-existing conditions?

Choice and Elite can, if you buy within 20 days of your first trip deposit and are medically able to travel when you buy. Basic and Economy don't.

How much does Cancel for Any Reason pay with Seven Corners?

Up to 75% of your insured nonrefundable trip cost. Buy it within 20 days of your first deposit; it isn't available to New York residents.

Is Seven Corners medical coverage primary or secondary?

Choice pays emergency medical, dental and evacuation on a primary basis. Basic, Economy and Elite are secondary, except Economy and Elite medical for New York residents.

How much is Seven Corners travel insurance?

Prices aren't published. Your quote depends on age, trip cost, length, state and add-ons.

Can I cancel a Seven Corners policy for a refund?

Yes, within 14 days on Basic and Choice (15 in Missouri) or 10 days on Economy and Elite, if you haven't departed or filed a claim.

Does Seven Corners cover trips to Israel or the UAE?

No. As of October 2026 its trip plans exclude travel to a list of countries that includes Israel, the UAE, Qatar, Saudi Arabia, Russia, Ukraine, Cuba and Iran.

How long a trip can Seven Corners cover?

Up to 180 days on Basic and Choice (30 days for Hawaii residents) and 90 days on Economy and Elite, with an extra charge after day 30.

How do I file a Seven Corners claim?

File online through Seven Corners' claims page with receipts, proof of payment and supporting documents such as medical records or supplier cancellation notices.

Sources (7)

Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards

  1. Seven Corners: Trip Protection Basic and Choice (accessed October 13, 2026)
  2. Seven Corners: Trip Protection Economy and Elite (accessed October 13, 2026)
  3. Seven Corners: About us (accessed October 13, 2026)
  4. Seven Corners: Trip protection overview (CFAR and IFAR) (accessed October 13, 2026)
  5. BBB: Seven Corners, Inc. business profile (accessed October 13, 2026)
  6. Trustpilot: Seven Corners reviews (accessed October 13, 2026)
  7. NAIC: Should I get travel insurance? (accessed October 13, 2026)
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