Seven Corners Travel Insurance Review

By Damian Tysdal, licensed travel insurance agent since 2006 · Updated 12 September 2026

★★★★★5 out of 5

One of the strongest plans on the market for the money. Trip Protection Choice carries $500,000 of primary medical and $1,000,000 of evacuation, with a 75 percent cancel-for-any-reason upgrade.

Good for

Cruises and international trips (Choice: $500,000 primary medical, $1,000,000 evacuation)
Anyone who needs the pre-existing condition waiver and has up to 20 days to buy
Travelers who want a 75 percent cancel-for-any-reason option

Not for

Anyone with a pre-existing condition buying the Basic plan (no waiver)
Trips over $30,000 per person on Basic (that is its cancellation cap)
New York and Washington residents expecting these exact plans (they get Economy and Elite instead)

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At a glance

Plan	Emergency medical	Evacuation	Cancel for any reason	Pre-existing waiver
Trip Protection Basic	$100,000 (secondary)	$250,000	Upgrade, 75% back	No
Trip Protection Choice	$500,000 (primary)	$1,000,000	Upgrade, 75% back	Yes, 20 days

Choice is the plan. Primary medical at $500,000 is the number that separates it from most of the market.

Top reasons to buy

Trip Protection Choice: $500,000 of primary emergency medical and $1,000,000 of evacuation, the top of the market at its price.
Cancel for any reason refunds 75 percent and is available on Basic and Choice.
A 20-day window for the pre-existing condition waiver, longer than most (14 or 15 days is typical).
Sold through comparison sites, so you can see it next to every other plan for your trip.

Flaws but not dealbreakers

Trip Protection Basic caps cancellation at $30,000 per person and has no pre-existing condition waiver.
Basic’s medical is secondary, meaning your own health insurance pays first. Choice is primary.
New York and Washington residents get a different pair of plans (Economy and Elite) with different limits.

Bottom line

Seven Corners is on my short list for almost any trip. Trip Protection Choice is the plan: medical and evacuation limits at the top of the market, a 75 percent cancel-for-any-reason option, and a generous waiver window. Basic is fine for a cheap domestic trip. Price it for your dates and see how it stacks up.

Full Seven Corners Travel Insurance Review

Summary: Seven Corners is one of the companies I point people to most often, and Trip Protection Choice is the reason. Its $500,000 primary medical limit and $1,000,000 evacuation limit sit at the top of the market for a plan at its price, the cancel-for-any-reason upgrade pays 75 percent, and the pre-existing condition waiver window is 20 days instead of the usual 14 or 15. Basic is a budget plan and behaves like one.

Compare it against:

Who Seven Corners is

Seven Corners has been in business since 1993 and started in travel medical insurance, which shows in how its trip plans treat medical benefits. The trip protection plans are underwritten by United States Fire Insurance Company, part of Crum and Forster, the same underwriter behind Travel Insured International. Seven Corners administers the plans and handles claims itself.

The plans

Trip Protection Basic
Cancellation 100 percent of the trip cost up to $30,000 per person, interruption 100 percent, emergency medical $100,000 secondary, evacuation $250,000, baggage $500, travel delay $600. Cancel for any reason available as an upgrade. No pre-existing condition waiver.

Trip Protection Choice
Cancellation 100 percent up to $100,000 per person, interruption 150 percent, emergency medical $500,000 primary, evacuation $1,000,000, baggage $2,500, travel delay $2,000. Cancel for any reason available. Pre-existing condition waiver if bought within 20 days of the initial deposit.

Economy and Elite
Sold only to New York and Washington residents. Elite carries $250,000 medical and $1,000,000 evacuation; Economy is a bare-bones plan with $10,000 medical.

Trip Protection USA
A domestic plan with $50,000 medical and $250,000 evacuation, with a 75 percent cancel-for-any-reason option.

Annual Multi-Trip
For frequent travelers: pick a cancellation limit from $2,500 to $30,000, with $250,000 medical and $500,000 evacuation, for trips of 40 days or less.

Why Choice stands out

Two things. First, the medical is primary, which means Seven Corners pays first rather than waiting for your health insurer to decide what it owes. That matters when a foreign hospital wants payment before discharge. Second, the limits: $500,000 for medical and $1,000,000 for evacuation are numbers you usually see only on premium plans. On a cruise, where care on board and in a foreign port is paid out of pocket first, this is the coverage you want.

Cancel for any reason

Available on Basic and Choice as a paid upgrade. It refunds up to 75 percent of your non-refundable trip cost if you cancel for a reason the base plan does not cover. It must be bought within 20 days of the date your initial deposit was received, you must insure the full non-refundable cost, and you must cancel two days or more before departure. It is not available in every state.

Pre-existing conditions and the free look

Choice waives the pre-existing condition exclusion if you buy within 20 days of your initial trip payment. Basic does not offer the waiver at all, which is the biggest reason to spend the extra on Choice if anyone on the policy has a condition. You have 14 days after purchase (15 in Missouri) to cancel the policy for a full refund.

How much does Seven Corners cost?

Seven Corners tends to sit in the middle of the pack on price and near the top on coverage, which is why it sells so well. For your trip, the only real answer is a quote with your dates, ages and trip cost. Enter them once and Seven Corners comes back next to every other plan.

Seven Corners FAQs

Is Seven Corners a good travel insurance company?

Yes. It has operated since 1993, its plans are underwritten by United States Fire Insurance Company (Crum and Forster), and Trip Protection Choice has some of the highest medical and evacuation limits available at its price.

Does Seven Corners cover pre-existing conditions?

Trip Protection Choice waives the pre-existing condition exclusion if you buy within 20 days of your initial trip payment and insure the full trip cost. Trip Protection Basic does not offer the waiver.

Which Seven Corners plan is best?

Trip Protection Choice for any cruise or international trip: $500,000 primary medical, $1,000,000 evacuation, cancel for any reason available, and the 20-day pre-existing waiver. Basic only makes sense for a cheap domestic trip where nobody has a health condition.

Does Seven Corners offer cancel for any reason?

Yes, on Basic and Choice as a paid upgrade. It refunds up to 75 percent of the non-refundable trip cost and must be bought within 20 days of the initial deposit.

Summary

Seven Corners Trip Protection Choice is a plan I am comfortable recommending for almost any trip, and especially for cruises and travel abroad. Basic is a budget option with real limits. Price both for your trip and you will usually find Choice is worth the difference.

Before you buy

The pre-existing condition waiver is on Choice only, and only if you buy within 20 days of your initial trip payment and insure the full trip cost.
Cancel for any reason must be added within 20 days of the initial deposit and requires you to cancel two or more days before departure. Not available in every state.
New York and Washington residents are sold Economy and Elite instead of Basic and Choice, with different limits.
You have 14 days after purchase (15 in Missouri) to cancel the policy for a full refund if you have not departed or filed a claim.