Travel Guard vs Seven Corners: Which Travel Insurance Is Better?
Travel Guard and Seven Corners sell to the same traveler and answer the same question differently: Travel Guard puts its money into Deluxe’s $150,000 of medical and $1,000,000 of evacuation, Seven Corners into Choice’s $500,000 of primary medical, the highest on the comparison. This page puts the plans side by side from the insurers’ own plan documents, says which one wins for each kind of trip, and shows the numbers that decide it.
The plans side by side
| Plan | Emergency medical | Evacuation | Cancel for any reason | Pre-existing waiver window | Kids free |
|---|---|---|---|---|---|
| Travel Guard Essential | $15,000 | $150,000 | No | 15 days | One per adult |
| Travel Guard Preferred | $50,000 | $500,000 | Upgrade, about 50% back | 15 days | One per adult |
| Travel Guard Deluxe | $150,000 | $1,000,000 | Upgrade, about 50% back | 15 days | One per adult |
| Seven Corners Trip Protection Basic | $100,000 (secondary) | $250,000 | Upgrade, 75% back | None | No |
| Seven Corners Trip Protection Choice | $500,000 (primary) | $1,000,000 | Upgrade, 75% back | 20 days | No |
Limits are per person. Read the medical column first: it is the one that separates these two companies, and it is the one that pays the bill that can pass $100,000. The Travel Guard review and the Seven Corners review go plan by plan.
Where each one wins
| The trip or the traveler | Pick | Why |
|---|---|---|
| A cruise, a remote trip, or a traveler over 65 | Seven Corners Trip Protection Choice | $500,000 of primary medical, $1,000,000 of evacuation, $2,000 of travel delay. Travel Guard Deluxe carries $150,000 of medical. |
| A domestic trip with children | Travel Guard Preferred | One free child per adult. Seven Corners has no free-kids benefit. |
| A budget plan for a trip abroad | Seven Corners Trip Protection Basic | $100,000 of medical (secondary) and $250,000 of evacuation. Travel Guard Essential carries $15,000 and $150,000. |
| Cancel for any reason | Seven Corners | 75 percent on both plans, added within 20 days of the deposit. Travel Guard refunds about 50 percent. |
| A traveler with a pre-existing condition | Seven Corners Choice, or Travel Guard | Seven Corners waives within 20 days on Choice (not on Basic); Travel Guard within 15 days on every plan. |
| Price | Seven Corners, on the comparison | Priced next to the other plans when you enter the trip once. Travel Guard sells only direct. |
The numbers that decide it
Medical and evacuation. Travel Guard’s best plan, Deluxe, carries $150,000 of medical and $1,000,000 of evacuation; Seven Corners’s best plan, Trip Protection Choice, carries $500,000 (primary) of medical and $1,000,000 of evacuation. For a trip outside the US the floor is $100,000 of medical and $250,000 of evacuation; for a cruise, a remote trip or a traveler over 65, $250,000 and $500,000.
Cancel for any reason. Travel Guard: Cancel for any reason is an upgrade on Preferred and Deluxe, refunds about 50 percent (most of the market pays 75), must be added within 15 days of the first payment, and requires cancelling more than two days before departure. Seven Corners: Cancel for any reason is an upgrade on both plans, refunds 75 percent, must be added within 20 days of the initial deposit, requires cancelling two or more days before departure, and is not sold in every state.
Pre-existing conditions. Travel Guard: The pre-existing condition waiver applies when you buy within 15 days of the first trip payment and insure the full trip cost. Seven Corners: The pre-existing condition waiver is on Choice only, when you buy within 20 days of the initial trip payment and insure the full trip cost; Basic has no waiver.
Children. Travel Guard: One child 17 and under is free per paying adult on all three plans; the child must be related to and traveling with that adult. Seven Corners: No free-kids benefit.
Free look. Travel Guard: 15 days after purchase for a full refund if you have not departed or filed a claim. Seven Corners: 14 days after purchase (15 in Missouri) for a full refund if you have not departed or filed a claim.
See Seven Corners priced next to the plans that beat Travel Guard
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Travel Guard sells only direct and is not on the comparison. Seven Corners is on the CoverTrip comparison, priced next to the other plans when you enter the trip once. Travel insurance is priced by the trip cost, the ages of the travelers and the trip length, and a package plan usually costs 4 to 8 percent of the trip cost, so the way to compare these two is to enter the trip once, note the price of a plan with the limits you need, and hold Travel Guard’s direct quote against it. Same price on the comparison as buying direct.
What the plans say
Travel Guard’s strengths are Deluxe’s $150,000 of medical and $1,000,000 of evacuation, one free child per adult on every plan, a large assistance operation behind it (AIG); its weak spot is a cancel for any reason refund of about 50 percent, and thin medical on Essential and Preferred for a trip abroad. Seven Corners’s strengths are Choice’s $500,000 of primary medical, the highest on the comparison, $1,000,000 of evacuation and $2,000 of travel delay on Choice, a 20-day window for the waiver and cancel for any reason; its weak spot is no free-kids benefit, and New York and Washington residents are sold different plans (Economy and Elite) with different limits. Both refund 100 percent of the insured trip cost for a listed cancellation reason, both include a 24-hour assistance line, and both are underwritten by large insurers; the difference between them is the limits and the upgrade rules above, not the paper.
Questions people also ask
Is Seven Corners better than Travel Guard?
On coverage, yes: Trip Protection Choice carries $500,000 of primary medical against $150,000 on Travel Guard Deluxe, Basic carries $100,000 against Preferred’s $50,000, and cancel for any reason refunds 75 percent against about 50. Travel Guard’s advantage is a free child per adult on every plan.
Which is better for a cruise, Travel Guard or Seven Corners?
Seven Corners Trip Protection Choice, with $500,000 of primary medical, $1,000,000 of evacuation and the pre-existing condition waiver when bought within 20 days. Travel Guard Deluxe clears the floor at $150,000 and $1,000,000.
Does Seven Corners have cancel for any reason?
Yes, on both Trip Protection plans: 75 percent of the trip cost, added within 20 days of the initial deposit, cancelled two or more days before departure, and not sold in every state. Travel Guard’s upgrade refunds about 50 percent within 15 days.
Related: Travel Guard review · Seven Corners review · cruise travel insurance guide · travel insurance for seniors guide · family travel insurance guide · all company reviews
Plan limits and upgrade rules on this page are from the insurers’ plan pages and policy documents for Travel Guard and Seven Corners, checked 12 September 2026, and from the CoverTrip reviews of each company. Price guidance is from the plans on the CoverTrip comparison.
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Damian TysdalDamian Tysdal is the founder of CoverTrip and a licensed travel insurance agent since 2006. He believes travel insurance should be easier to understand, and started the first travel insurance blog in 2006. About CoverTrip.