Trip Protection Elite

A.M. Best Rating: A
By: Seven Corners, Underwriter: US Fire

Trip Protection Elite (A.M. Best Rating: A) is a premium trip insurance plan designed for travelers seeking the highest level of protection for expensive vacations, cruises, international travel, and luxury itineraries. With comprehensive benefits for Trip Cancellation, Trip Interruption, Emergency Medical Expenses, baggage, and covered travel disruptions, it provides robust financial protection when unexpected events affect your trip. Coverage is available for trips up to 90 days.

Trip Protection Elite does not participate in any PPO network. You can visit any doctor or hospital of your choice.

Trip Protection Elite includes coverage for pre-existing conditions if the waiver requirements are met, including purchasing the plan within 20 days of the initial trip deposit.

Review the Trip Protection Elite policy documents for complete coverage details, exclusions, and limitations.

Plan Brochure

Key Trip Insurance Benefits

Here are some of the top benefits, for your convenience*

Trip Cancellation

Up to 100%

Trip Interruption

Up to 150%

Accident & Sickness

Up to $250000

Rental Car Damage

Optional add-on

Cancel for Any Reason Option

Optional add-on

Trip Delay

Up to $1500, 300 per day, after 6 hours

Medical Evacuation

Up to $1000000

Baggage & Personal Effects

Up to $2500

Trip Cancellation

Up to 100%

Cancel for Any Reason Option

Optional add-on

Trip Interruption

Up to 150%

Trip Delay

Up to $1500, 300 per day, after 6 hours

Accident & Sickness

Up to $250000

Medical Evacuation

Up to $1000000

Rental Car Damage

Optional add-on

Baggage & Personal Effects

Up to $2500

*Note: Please consult your specific policy documents for precise coverage limits, benefits and exclusions. Optional add-on benefits are available for an additional charge

Eligibility

For U.S residents traveling within the U.S and/or internationally
For Age 14 days to 99 years of age
Coverage for a maximum of 90 days
Must be purchased prior to departure.
Trip must be scheduled, prepaid, and 100 miles or more from your primary residence.
Cancel for Any Reason (CFAR) must be purchased within 20 days of initial trip deposit date: Not available for NY Residents
Cancel for Any Work Reasons must be purchased within 20 days of initial trip deposit date

Cancel For Work Reasons

Up to 100%

Interruption For Any Reason

Not covered

Trip Cancellation

Up to 100%

Trip Interruption

Up to 150%

Trip Delay

Up to $1,500, 300 per day, after 6 hours

Missed Connection

Up to $1,500

Emergency Medical Evacuation & Repatriation

Up to $1,000,000

Cancel For Any Reason

Optional Add-on benefit

Pre-existing Medical

Pre-existing waiver available if purchased within 20 days of initial trip payment

Primary Medical

Covered

Non-Medical Evacuation

Not covered

Accident & Sickness Medical Expense

Up to $250,000

Dental Expense

Up to $750

Covid-19 Coverage

Treatment for COVID-19 is covered if contracted after the plan effective date. Cancellation, Interruption, & Quarantine benefits are offered in this plan. Covid-19 testing is covered only if ordered by a physician. Vaccination/Boosters are not covered.

Trip Cancellation Due to Covid-19

Coverage for trip cancellation due to a documented positive COVID-19 result

Covid-19 Quarantine

Quarantine coverage in Trip Insurance plans fall under the "Trip Delay" benefit. Policyholders who test positive and are ordered by a physician to quarantine can utilize the Trip Delay benefit to cover any expenses incurred while quarantining.

Sports Equipment Delay

Up to $500

Sports Equipment Loss

Up to $500

Sports & Activities

Not covered

Telehealth Service

Not covered

Baggage & Personal Effects

Up to $2,500

Rental Car Damage

Optional Add-on Coverage Available

Baggage Delay

Up to $600

Accidental Death & Dismemberment

Up to $25,000, Up to $25,000 for Common Carrier

Please refer to the following article concerning the claim process:
Trip Insurance Claim Process

US citizens and US Residents, who live in the US, are covered by these plans, for traveling both within the US, as well as internationally outside the US.

Pre-existing conditions coverage varies with the plan option you choose.

Pre-existing conditions are not covered by the Seven Corners Trip Protection Economy
Pre-existing condition coverage waiver is available with the Seven Corners Trip Protection Choice and Seven Corners Trip Protection Elite options if you purchase the plan within 24 hours of initial trip deposit day

Each insurance company may have their own state-specific regulations on where plans can be sold. These state restrictions only impact residents from those specific states from purchasing these plans. However, if you are traveling to the United States, you will be covered in all 50 states during your active policy period.

Trip plans are not renewable. In case of change of plans, you would need to purchase a new plan.

You can cancel the plan and get a full refund back, within 10 days of the look-up period. After 10 days of purchase, the plan is not cancelable or refundable.

You cannot remove one person from the policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.

You will need names, coverage duration, date(s) of birth, home country address, total nonrefundable trip costs, and a valid credit card.

After purchasing the policy online, you will receive your ID card in your confirmation email.

Coverage will be provided in all eligible countries visited with the exception of your Home Country and any restricted countries listed in the policy documentation. Coverage will only be offered within the policy start and end dates. Please note: If any part of your trip includes the United States, please select it as your destination country.

Seven Corners Trip Protection Elite can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.

Only the primary destination in the application will be listed on the policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period.

Coverage on a trip insurance plan will begin the day after you have purchased your policy and will cover you for reasons such as trip cancellation prior to the departure date.

The Seven Corners Trip Protection Elite plan does not cover for the COVID-19 vaccine/booster, but will cover COVID-19 treatment and services the same as any other eligible condition if contracted after the policy effective date. Preventative care related to COVID-19, like vaccines/boosters is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.

Seven Corners Trip Protection Elite will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered.

Quarantine coverage in Seven Corners Trip Protection Elite plans fall under the “Trip Delay” benefit. Policyholders who test positive and are ordered by a physician to quarantine can utilize the Trip Delay benefit to cover any expenses incurred while quarantining. The Trip Delay benefit will provide policyholders a specified monetary amount. A policyholder can use their Trip Delay benefit on; reasonable accommodation, meals, telephone calls and local transportation expenses. Receipts must accompany the Reasonable Additional Expenses incurred.

The trip cost should include any non-refundable payments made related to the trip. In case of unforeseen cancellation of the trip, these costs would be lost. Examples of these are costs of airline tickets, hotel reservations, tour reservations, etc.

Cancel for Any Reason is not available with Seven Corners Trip Protection Economy and optional for Seven Corners Trip Protection Choice and Seven Corners Trip Protection Elite option with additional cost.

All options of the plan would cover for the specific covered reasons. Some of these include: Sickness, Injury or Death, Felonious Assault, Court Ordered Appearance, Military Duty for Natural Disaster Relief, Jury Duty, Termination/Layoff, Strike, Weather, Hijacking, Terrorist Incident, Traffic Accident, Bankruptcy/Default, Quarantine, Residence Uninhabitable

Trip cancellation benefits become available if the trip is cancelled before the journey begins (before the start date of the policy). Trip interruption benefits are available after the journey begins. If for some documented covered reason, the trip is cancelled after the journey starts, the insured person has to go back to the home country.

The differences among the plans are mostly the level of coverage. The Seven Corners Trip Protection Economy plan offers the most basic coverage, and does not include certain coverages like Pre-existing condition waiver and Cancel for Any Reason. The Seven Corners Trip Protection Choice plan is the one that provides medium range coverage; the Seven Corners Trip Protection Elite plan offers the most extensive benefit features and amounts among all the options.

The insurance provider recommends that you submit any correction requests in writing as your policy is a legally enforceable document. Following receipt of the correction, we send the request to the insurance provider; normally, the updates require 3-5 business days. They are processed in the order that they are received. We advise double-checking the information on the application before completing the purchase to prevent any errors and corrections.

The optional Rental Car Damage benefit offered in the Seven Corners Trip Protection Elite plan can provide reimbursement up to the maximum benefit of $35,000 if your rental car is damaged while on a trip due to collision, theft, vandalism, natural disaster, or any cause beyond your control while in your possession, or your rental car is stolen and not recovered. This can be purchased with an additional premium at the time of purchase.

The optional Flight Accident accidental death and dismemberment benefit offered in the Seven Corners Trip Protection Elite plan can pay an additional principal sum due to an injury or death sustained while riding solely as a passenger in an aircraft on a regularly scheduled airline flight or regularly scheduled charter flight. This can be purchased with an additional premium at the time of purchase.

Option #1: $100,000
Option #2: $250,000
Option #3: $500,000

The optional Cancel for Work Reasons benefit offered in the Seven Corners Trip Protection Elite plan can pay up to 100% of your trip cost if you cancel your trip due to the work-related reasons shown below. Coverage must be purchased within 20 days of your initial trip payment or deposit. This can be purchased with an additional premium at the time of purchase.

• 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

The optional Lost Ski Days & Equipment Rental benefit offered in the Seven Corners Trip Protection Elite plan can cover if you are unable to ski during your trip due to 50% or more of the mountain trails closing during your trip, benefits will be paid, on a one-time basis, up to the maximum benefit ($500/ski & $500/equipment rental), for the value of the ski lift ticket for the date/time of the closure only will be paid. This can be purchased with an additional premium at the time of purchase.

The optional Lost Golf Rounds & Equipment Rental benefit offered in the Seven Corners Trip Protection Elite plan can cover if you or your traveling companion are unable to golf during your trip due to inability to complete play at least nine (9) holes of an eighteen (18) hole round due to weather during the round where the course management expressly cancels or puts the golf round on delay or suspension for more than three (3) hours on the day of play and documents the same. This can be purchased with an additional premium at the time of purchase.

Seven Corners Trip Protection Elite can cover Monkeypox and will treat it the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed your home country. For more information regarding Monkeypox and travel insurance, review the blog about Monkeypox.

The Seven Corners Trip Protection Elite plan does not cover for the Monkeypox vaccine, but will cover Monkeypox treatment and services the same as any other eligible condition if the virus was contracted after the policy effective date. Preventative care related to Monkeypox is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.

If your original payment method is no longer valid, your financial institution should provide a refund by issuing a check or returning the funds to you. In case the refund is returned to the insurance company, the processing might take up to 45 days, and we'll inform you accordingly.

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How COVID-19 is Covered Under Trip Protection Elite

COVID-19 Medical Expenses

Medical treatment and services related to COVID-19 can be covered in the event that the virus was contracted after the policy effective date.

COVID-19 Testing

Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date.

COVID-19 Vaccination/Booster

COVID-19 vaccination/booster is not covered under the policy.

Quarantine Benefit

Quarantine coverage included in the Trip Delay benefit can provide coverage for additional accommodation expenses if the quarantine is ordered by a physician.

Emergency Medical Evacuation

Emergency Medical Evacuation for COVID-19 treatment can be covered if the virus is contracted after the policy effective date.

Trip Cancellation

Coverage for canceling a trip due to COVID-19 before the departure date.

Similar Plans

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Underwriter: US Fire / SiriusPoint America

Trip Cancellation

Up to 100%

Trip Interruption

Up to 150%

Baggage Loss

Up to $2,500, $250 per item

Cancel For Any Reason

Optional Add-on benefit

Emergency Medical*

Up to $500,000

Medical Evacuation*

Up to $1,000,000

*Pre-existing waiver available if purchased within 20 days of initial trip payment

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Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.

Trip Protection Elite

Key Trip Insurance Benefits

Eligibility

Travel Coverage

Emergency Services

COVID-19 Benefits

Other