Choosing travel insurance can feel like walking a tightrope between adequate coverage and affordable pricing. Many travelers find themselves stuck between basic plans that seem too limited and premium options that feel like overkill for their needs.
As a senior travel planner who’s helped countless clients find the right coverage sweet spot, I’ve found that mid-tier plans like Seven Corners RoundTrip Choice often provide the best balance. This review will help you understand whether this plan offers the right mix of protection and value for your specific travel situation.
In this article...
About the Company
Seven Corners has operated in the travel insurance space since 1993, building a reputation for straightforward coverage without unnecessary complexity.
Based in Carmel, Indiana, the company focuses on international travel medical insurance and travel protection plans for individual travelers and groups.
RoundTrip Choice plans are underwritten by Crum & Forster SPC, which maintains solid financial ratings and experience handling international claims.
Seven Corners sells primarily direct-to-consumer through their website, though they also work with select brokers and comparison platforms.
Plan Overview
RoundTrip Choice represents Seven Corners’ mid-tier travel insurance offering, designed for travelers who want enhanced coverage beyond their Basic plan without stepping up to premium pricing.
This plan works particularly well for travelers taking moderate-value trips who want solid medical coverage, reasonable evacuation benefits, and basic trip protection.
It fills the gap between budget coverage and comprehensive plans, offering practical protection for mainstream travelers.
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.
Coverage Details
Trip cancellation and interruption coverage extends up to 100% of your trip cost with a maximum limit of $75,000 – higher than their Basic plan’s $50,000 limit.
Emergency medical coverage increases to $100,000, making it suitable for most international destinations including more expensive regions.
Medical evacuation coverage provides $500,000 in benefits – double their Basic plan and competitive with many premium options.
Baggage coverage improves to $1,500 total with higher per-item limits, though still modest compared to luxury plans.
Travel delay benefits offer $150 per day (maximum $750) after a 12-hour delay.
Pre-existing medical condition coverage is available when purchased within specified timeframes after initial trip deposit.
Plan Highlights
- Enhanced medical coverage of $100,000 compared to Basic plan’s $50,000
- Strong evacuation benefit of $500,000
- Trip cancellation protection up to $75,000
- Improved baggage coverage at $1,500
- Pre-existing condition waiver available with timely purchase
- 24/7 emergency assistance services
- Accidental death coverage of $50,000
- Emergency dental coverage up to $750
💡 Personal Note: I recommended RoundTrip Choice to a family traveling to Japan last year when their teenage daughter broke her leg skiing in Hokkaido. The $100,000 medical coverage handled the hospital bills and follow-up treatment without issue, and the evacuation benefit gave them peace of mind for potential complications. The claims process was refreshingly straightforward.
Features
| Feature | Coverage Amount |
|---|---|
| Trip Cancellation | 100% of trip cost (max $75,000) |
| Emergency Medical | $100,000 |
| Medical Evacuation | $500,000 |
| Baggage Loss | $1,500 |
| Travel Delay | $150/day (max $750) |
| Accidental Death | $50,000 |
| Emergency Dental | $750 |
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Exclusions and Limitations
The Choice plan maintains several standard exclusions that travelers should understand before purchasing.
Pre-existing medical conditions require purchase within 14-21 days of initial trip deposit, depending on your age and specific circumstances.
Adventure activities including extreme sports, mountaineering above certain elevations, and professional sports participation are excluded.
Mental health conditions have limited coverage, typically requiring hospitalization to qualify for benefits.
The plan does not offer Cancel For Any Reason (CFAR) coverage – this feature isn’t available on any Seven Corners plans.
High-value items and business equipment have limited coverage under the standard baggage benefit.
❌ Avoid: This plan if you need Cancel For Any Reason coverage or are participating in high-risk adventure activities. Seven Corners doesn’t offer CFAR on any of their plans, so look at providers like AXA or Allianz if this flexibility is important to you.
Pros and Cons
| Pros | Cons |
|---|---|
| Strong evacuation coverage ($500,000) | No CFAR option available |
| Good medical limits for mid-tier plan | Limited adventure sports coverage |
| Reasonable pricing for coverage provided | Modest baggage protection |
| Pre-existing condition waiver available | 12-hour delay threshold |
| Straightforward claims process | Higher premiums for seniors |
Pricing Insights
RoundTrip Choice positions itself in the mid-range pricing category, typically costing 30-40% more than their Basic plan while offering significantly enhanced benefits.
For a 40-year-old traveler on a $3,500 two-week trip, expect to pay approximately $100-140 depending on destination and specific age.
The plan offers excellent value for its medical evacuation coverage, which at $500,000 exceeds many comparably priced competitors.
Age-based pricing increases become more noticeable after age 60, with steeper jumps for travelers over 70.
The enhanced medical coverage makes this plan particularly cost-effective for travelers visiting moderate to high-cost medical destinations.
Ideal Buyer Profile
RoundTrip Choice works best for travelers seeking solid coverage without premium pricing who are taking trips of moderate value.
It’s particularly suitable for families, couples, or individual travelers visiting destinations with reasonable to high healthcare costs who want adequate medical protection.
The plan makes sense for travelers to Europe, Asia, or other international destinations where the $100,000 medical limit provides good protection.
It’s less suitable for adventure travelers needing specialized coverage, those wanting CFAR flexibility, or budget-conscious travelers who can manage with basic protection.
✅ Pro Tip: The $500,000 evacuation coverage is this plan’s standout feature. Many plans in this price range offer only $250,000-$300,000, so Seven Corners provides exceptional value here. This higher limit is crucial if you’re traveling to remote areas where evacuation costs can easily exceed $100,000.
User Feedback
Based on reviews from various platforms, Seven Corners receives generally positive feedback for their Choice plan.
Customers frequently praise the responsive customer service and relatively smooth claims processing for covered events.
Most complaints relate to coverage limitations that customers didn’t fully understand before purchasing, rather than service issues.
The company maintains decent overall ratings, with Choice plan customers typically reporting higher satisfaction than Basic plan users.
ℹ️ Fun Fact: Medical evacuation costs can vary dramatically by location. An evacuation from Nepal might cost $80,000, while the same service from a remote Pacific island could exceed $200,000. The Choice plan’s $500,000 limit covers most scenarios, but extreme remote locations could still exceed this amount.
Alternatives to Consider
If RoundTrip Choice seems too limited, consider Seven Corners’ RoundTrip Elite plan, which offers higher coverage limits and additional benefits at a moderate price increase.
For similar mid-tier coverage with different features, IMG’s Patriot Platinum provides comparable medical limits with higher evacuation coverage but at a higher price point.
Compared to AXA’s Gold plan, RoundTrip Choice offers similar medical coverage but with lower trip cancellation limits and no CFAR option.
Conclusion
Seven Corners RoundTrip Choice delivers solid value for travelers seeking enhanced protection beyond basic coverage without stepping into premium pricing territory.
The plan’s strength lies in its practical approach to travel insurance – providing meaningful coverage improvements over basic plans while maintaining reasonable pricing.
The enhanced medical coverage and strong evacuation benefits make it particularly suitable for international travelers who want adequate protection without paying for unnecessary premium features.
For travelers taking moderate-value trips who prioritize medical and evacuation coverage over extensive trip cancellation benefits, RoundTrip Choice represents good value in the mid-tier travel insurance market.
Always review the full policy wording carefully before purchasing. Safe travels!
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