Seven Corners Trip Protection RoundTrip Elite Travel Insurance - 2024 Review

If you live in Missouri, New York, Pennsylvania, or Washington and you’re looking for travel insurance that provides coverage for your health, your belongings, and your trip costs, Seven Corners Trip Protection RoundTrip Elite Travel Insurance may be worth considering. With $250k of Travel Medical coverage and $1m in Medical Evacuation, this comprehensive trip insurance plan is suitable for travelers heading overseas.

Review of Seven Corners Trip Protection RoundTrip Elite Travel Insurance

Trip Protection RoundTrip Elite, is a comprehensive mid-range trip insurance plan from Seven Corners Travel Insurance, available only to residents of Missouri, Pennsylvania, Washington and New York. It provides high 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 Elite Travel Insurance?

Trip Protection RoundTrip Elite 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 Elite provides plenty of just-in-case benefits.

The following is a list of benefits for the plan:

Trip cancellation coverage provides security for 100% of the trip cost, up to $30,000. Trip interruption increases this benefit to 150% of the trip cost, and trip delay provides $300/day up to a maximum of $1,500 after six (6) or more hours. Missed cruise/connection provides $150 up to $1,500 after three (3) or more hours.

Emergency medical expenses are covered up to $250,000 (including $750 for repair to a dental injury) and up to $1,000,000 in emergency medical evacuation or repatriation coverage.

Baggage protection for lost, stolen, or damaged personal property is set at $300 per item up to a maximum of $2,500, and is $600 for a baggage delay of $600 after twelve (12) or more hours. Additional protections include $25,000 for 24-hour Accidental Death & Dismemberment (AD&D) and $25,000 for common carrier AD&D, 24/7 travel insurance, a pre-existing condition waiver, and several optional benefits for even higher levels of coverage.

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

There are a few limitations. A Pre-Existing Medical Condition Exclusion Waiver will only be issued if all non-refundable prepaid costs are insured and the policy is purchased within twenty (20) days of the initial trip payment or deposit date. There are a few policies from other carriers that do not require the full trip costs to be insured to provide a Medical Waiver, but the majority, like Seven Corners, do require full cover to be in place.

While coverage for job termination and layoff is included, if a previously approved work vacation is rescinded, there is no coverage. However, this coverage is available as an optional extra, as is Cancel for Any Reason (not available in NY), and Rental Car Coverage.

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

Trip Protection RoundTrip Elite Policy Benefits

Trip Cost Protection

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 150% 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 - $1,500

Pays for additional transportation, meals, accommodations, and non-refundable, unused prepaid expenses if you are delayed six (6) or more hours en route to/from your trip. (Separate coverage reasons apply.)

Missed Cruise/Tour Connection - $1,500

Pays additional transportation costs to join your cruise or tour if you miss your connection due to a delay of three (3) 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 - $250,000 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 - $1,000,000

Transports you to the nearest appropriate medical facility if medically necessary and returns your remains to your residence or burial place if you die while traveling. If you are hospitalized for more than seven days, it 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 - $2,500

Baggage Delay - $600

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

Accidental Death & Dismemberment (AD&D)

24-Hour AD&D - $25,000

Pays benefits for death, loss of limbs, or loss of sight due to an accident occurring on your trip.

Common Carrier AD&D - $25,000

Pays benefits for death, loss of limbs, or loss of sight due to an accident, which occurs when you are riding, boarding, or alighting from a common carrier.

Pre-Existing Medical Condition Waiver

Pre-existing conditions are excluded from coverage. If you are concerned about coverage for these conditions, the exclusion is waived if you buy the policy within twenty (20) days of your initial trip deposit or payment and insure all nonrefundable prepaid trip costs. You must also insure the cost of all subsequent travel arrangements added to your trip within twenty (20) days of the payment date for each of those arrangements.

Non-Insurance Services

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

Optional Benefits

Flight Accident - $100,000, $250,000 or $500,000

Pays additional AD&D benefits due to an accident occurring while you are a passenger on an aircraft.

Rental Car Damage - $35,000

Provides rental car damage coverage (no liability coverage) while on your trip.

Cancel For Any Reason - 75% of Trip Cost (not available in NY)

Pays if you cancel your trip for any reason not otherwise covered, if 1) you cancel two (2) days or more before departure, 2) you buy cover within twenty (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 fifteen (15) days of the payment/deposit for each of those arrangements). 

Cancel for Work Reasons - 100% of Trip Cost

This option adds the covered reasons below for trip cancellation. (Coverage must be purchased within twenty (20) days of your initial trip deposit.)

• Company merger/acquisition
• Transfer which requires relocation of your principal residence
• Requirement to work during the trip
• Place of employment unsuitable for business due to natural disaster

Note: Coverage for job termination & layoff is included in the base plan.

Lost Ski Days & Equipment Rental - $500

Pays up to $500 for your lift ticket if you cannot ski because 50% or more of the trails are closed. Also pays up to $500 for equipment rental if your checked sports equipment is lost, stolen, damaged, or delayed twelve (12) hours or longer. You may not purchase both the golf and ski options on the same plan.

Lost Golf Rounds & Equipment Rental - $500

Pays up to $500 for prepaid golf tickets or green fees if you cannot play nine holes of an 18-hole round due to weather. Also pays up to $500 for equipment rental if your checked sports equipment is lost, stolen, damaged or delayed twelve (12) hours or longer. You may not purchase both the golf and ski options on the same plan.

Trip Cancellation And Interruption Covered Reasons

• Sickness, Injury or Death
• 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 Elite Travel Insurance Overall Rating

If you’re in need of high levels of travel insurance coverage and live in Missouri, New York, Washington, or Pennsylvania, Trip Protection RoundTrip Elite is well worth considering. While there are some limitations and optional benefits that can increase the price, it is an excellent choice for both domestic and international travel.

Safe travels!