Finding affordable travel insurance that still provides adequate protection can feel like searching for a needle in a haystack. Many budget-conscious travelers worry they’ll either overpay for coverage they don’t need or choose a plan so basic it won’t help when they actually need it.
As a senior travel planner who’s helped hundreds of clients navigate budget travel insurance options, I understand this dilemma.
Let me break down Seven Corners’ RoundTrip Basic plan to help you determine if this entry-level option provides the right balance of coverage and cost for your travel needs.
In this article...
About the Company
Seven Corners has been operating in the travel insurance industry since 1993, specializing in international travel medical insurance and travel protection plans.
The company is based in Carmel, Indiana, and serves both individual travelers and groups through their direct-to-consumer website and various broker partnerships.
RoundTrip Basic plans are underwritten by Crum & Forster SPC, which maintains solid financial ratings and has experience handling international travel claims.
Seven Corners focuses primarily on straightforward, no-frills coverage rather than premium bells and whistles, which keeps their pricing competitive in the budget segment.
Plan Overview
The RoundTrip Basic plan represents Seven Corners’ entry-level travel protection offering, designed for cost-conscious travelers who want essential coverage without premium features.
This plan works best for travelers taking shorter trips to destinations with reasonable healthcare costs who primarily want protection against trip cancellations and basic medical emergencies.
It’s positioned as a budget-friendly alternative to comprehensive plans, offering core benefits at a lower price point.
💡 Personal Note: I’ve recommended Seven Corners Basic to many clients over the years, particularly younger travelers and those on tight budgets. While it’s not comprehensive, it provides solid basic protection. One client used it successfully when their flight was cancelled due to weather in Europe – the coverage handled their additional hotel costs without any hassles.
Recommended Plans
Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.
Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).
Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.
Plan Highlights
- Trip cancellation coverage up to 100% of trip cost (maximum $50,000)
- Emergency medical coverage of $50,000 – adequate for many international destinations
- Emergency medical evacuation up to $250,000
- Baggage loss coverage of $1,000 with $300 per item limit
- Travel delay benefits of $100 per day (maximum $500)
- Pre-existing medical condition waiver available when purchased within time limits
- 24/7 emergency assistance services
- Accidental death and dismemberment coverage of $25,000
Coverage Details
Trip cancellation and interruption benefits cover standard reasons including illness, injury, death of family members, jury duty, and weather-related cancellations.
The $50,000 emergency medical coverage is sufficient for most destinations except high-cost countries like the United States, where medical expenses can quickly exceed this limit.
Emergency evacuation coverage of $250,000 provides reasonable protection, though it’s lower than premium plans that offer $500,000 or more.
Baggage coverage is modest at $1,000 total with individual item limits of $300, making it suitable for basic travelers but inadequate for those carrying expensive equipment or jewelry.
Travel delay coverage kicks in after a 12-hour delay and provides $100 per day for up to 5 days – enough to cover basic meal and accommodation expenses.
Features
| Feature | Coverage Amount |
|---|---|
| Trip Cancellation | 100% of trip cost (max $50,000) |
| Emergency Medical | $50,000 |
| Medical Evacuation | $250,000 |
| Baggage Loss | $1,000 ($300 per item) |
| Travel Delay | $100/day (max $500) |
| Accidental Death | $25,000 |
| Emergency Dental | $500 |
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Exclusions and Limitations
The Basic plan has several important limitations that budget-conscious travelers should understand.
Pre-existing medical conditions are only covered if you purchase the plan within 14-21 days of your initial trip deposit, depending on your age and trip details.
Adventure activities like scuba diving below certain depths, mountaineering, and most extreme sports are excluded.
The plan does not offer Cancel For Any Reason (CFAR) coverage – you’d need to upgrade to their Choice or Elite plans for this option.
Mental health conditions have limited coverage and typically require hospitalization to qualify for benefits.
Business equipment and high-value personal items have limited coverage under the basic baggage benefit.
❌ Avoid: This plan if you’re traveling to the United States or other high-cost medical destinations. The $50,000 medical limit can be exhausted quickly in American hospitals where daily costs often exceed $3,000.
Pricing Insights
RoundTrip Basic lives up to its budget-friendly positioning with competitive pricing in the entry-level travel insurance market.
For a 35-year-old traveler on a $2,000 one-week trip, expect to pay approximately $50-80 depending on your destination and age.
The plan offers good value for its medical evacuation coverage, which at $250,000 is reasonable for a budget option.
Pricing remains relatively stable across age groups until about age 60, when costs begin increasing more substantially.
Adding optional coverage or upgrading to higher-tier plans can double or triple the premium cost.
✅ Pro Tip: Seven Corners often runs promotional pricing during off-peak travel seasons. If you’re booking well in advance, check their website multiple times as prices can fluctuate based on demand and promotional periods.
Pros and Cons
| Pros | Cons |
|---|---|
| Budget-friendly pricing | Lower medical coverage limits |
| Decent evacuation coverage for the price | Basic baggage protection |
| Pre-existing condition waiver available | No CFAR option |
| Simple, straightforward coverage | Limited adventure sports coverage |
| Good customer service reputation | Higher age-based pricing after 60 |
Ideal Buyer Profile
RoundTrip Basic works well for budget-conscious travelers taking shorter trips to destinations with moderate healthcare costs.
It’s particularly suitable for young travelers, students, or those taking simple vacation trips who want basic protection without premium features.
The plan makes sense for travelers to Europe, parts of Asia, or Latin America where medical costs are reasonable and the $50,000 limit provides adequate coverage.
It’s less suitable for travelers over 65 (who face higher premiums), those visiting expensive medical destinations, or adventure travelers needing specialized coverage.
ℹ️ Fun Fact: Budget travel insurance plans like RoundTrip Basic account for about 40% of all travel insurance purchases, but they represent less than 25% of total claim dollars paid out annually. This suggests that while many travelers choose budget options, those with more comprehensive coverage tend to file larger claims.
User Feedback
Based on reviews from Trustpilot and other platforms, Seven Corners receives generally positive feedback for their Basic plan.
Customers often praise the straightforward claims process and responsive customer service for covered events.
Some negative reviews focus on coverage limitations that customers didn’t fully understand before purchasing, particularly regarding medical coverage limits.
The company maintains decent ratings overall, with most complaints relating to expectations that exceeded what budget plans typically provide.
Alternatives to Consider
If RoundTrip Basic seems too limited, consider Seven Corners’ RoundTrip Choice plan, which offers higher medical limits and additional benefits at a moderate price increase.
For similar budget-friendly coverage with different features, IMG’s Patriot America provides comparable basic benefits with slightly different coverage structures.
Compared to AXA’s Silver plan, RoundTrip Basic offers lower overall limits but at a significantly reduced price point.
Conclusion
Seven Corners RoundTrip Basic delivers solid value for travelers seeking essential protection at budget-friendly prices.
While it lacks the comprehensive coverage of premium plans, it provides adequate protection for straightforward trips to moderate-cost destinations.
The plan succeeds in its goal of offering core travel insurance benefits without premium pricing, making it accessible to budget-conscious travelers who still want basic protection.
For simple trips where you primarily need coverage against trip cancellations and basic medical emergencies, RoundTrip Basic represents good value in the budget travel insurance segment.
Always review the full policy wording carefully before purchasing. Safe travels!
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Can Save Up to 30%!
