When you’re planning a significant trip and want comprehensive protection, finding the right premium travel insurance can feel overwhelming.
Many travelers worry about overpaying for features they won’t use, while others fear that mid-tier plans won’t provide adequate coverage when they truly need it. The stakes feel especially high when you’re investing thousands in a dream vacation or important business travel.
After decades of helping clients navigate travel insurance decisions and handling complex claims scenarios, I’ve found that Seven Corners’ RoundTrip Elite often provides the comprehensive coverage serious travelers need.
Let me walk you through what this premium plan offers and help you determine if it’s worth the investment for your specific travel situation.
In this article...
Plan Overview
RoundTrip Elite represents Seven Corners’ flagship travel insurance offering, designed for travelers seeking maximum protection and peace of mind.
This comprehensive plan provides their highest coverage limits across all categories, enhanced benefits, and additional protections that aren’t available in their Basic or Choice plans.
It’s particularly well-suited for travelers taking expensive trips, visiting remote destinations, or those who simply want the security of knowing they have top-tier coverage for any eventuality.
About the Company
Seven Corners has operated in the travel insurance industry since 1993, building a solid reputation for straightforward coverage and reliable claims handling.
The company is headquartered in Carmel, Indiana, and specializes in international travel medical insurance and comprehensive travel protection plans.
RoundTrip Elite plans are underwritten by Crum & Forster SPC, which maintains strong financial ratings and extensive experience with international travel claims.
Seven Corners sells primarily through their direct-to-consumer website, though they also partner with select brokers and comparison platforms.
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.
Features
| Feature | Coverage Amount |
|---|---|
| Trip Cancellation | 100% of trip cost (max $100,000) |
| Emergency Medical | $250,000 |
| Medical Evacuation | $1,000,000 |
| Baggage Loss | $2,500 |
| Travel Delay | $200/day (max $1,000) |
| Accidental Death | $100,000 |
| Emergency Dental | $1,000 |
| Rental Car Damage | $35,000 |
Coverage Details
Trip cancellation and interruption benefits provide comprehensive protection up to 100% of your trip cost with a maximum limit of $100,000 – the highest among Seven Corners’ plan offerings.
Emergency medical coverage reaches $250,000, making it suitable for even the most expensive medical destinations including the United States.
The standout feature is the $1,000,000 medical evacuation benefit, which provides exceptional protection for travelers visiting remote locations where evacuation costs can be astronomical.
Baggage coverage extends to $2,500 with higher per-item limits than their other plans, though still below what some luxury-focused insurers offer.
Travel delay benefits provide $200 per day (maximum $1,000) after a 12-hour delay, offering better daily limits than most competitors.
The plan includes rental car collision damage coverage up to $35,000, which can save significant money compared to purchasing coverage from rental agencies.
💡 Personal Note: I recommended RoundTrip Elite to a client taking a photography expedition to Antarctica. When mechanical issues stranded their group in Chile for three extra days, the enhanced travel delay coverage and high medical limits provided crucial peace of mind. The evacuation benefit was particularly important given the remote destination – something that proved prescient when another expedition member required emergency transport later that season.
Plan Highlights
- Maximum medical coverage of $250,000 – suitable for any destination worldwide
- Premium evacuation benefit of $1,000,000 – among the highest available
- Comprehensive trip cancellation protection up to $100,000
- Enhanced baggage coverage at $2,500 with higher per-item limits
- Rental car collision damage coverage included
- Pre-existing medical condition waiver available with timely purchase
- 24/7 worldwide emergency assistance services
- Business equipment coverage for professional travelers
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Exclusions and Limitations
Even as a premium plan, RoundTrip Elite maintains several important exclusions that 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 circumstances.
Adventure activities including extreme sports, mountaineering above certain elevations, and professional sports participation remain excluded.
Mental health conditions continue to have limited coverage, typically requiring hospitalization to qualify for benefits.
The plan does not offer Cancel For Any Reason (CFAR) coverage, as this option isn’t available on any Seven Corners plans.
Claims must be filed within specified timeframes, typically 90 days from the covered event.
❌ Avoid: This plan if Cancel For Any Reason coverage is essential to your peace of mind. Seven Corners doesn’t offer CFAR on any of their plans, so you’ll need to look at providers like AXA or Allianz if this flexibility is crucial for your trip.
Pricing Insights
RoundTrip Elite positions itself in the premium pricing category, typically costing 50-70% more than their Choice plan while offering significantly enhanced benefits.
For a 45-year-old traveler on a $5,000 two-week international trip, expect to pay approximately $200-280 depending on destination and specific circumstances.
The plan offers exceptional value for its medical evacuation coverage, which at $1,000,000 exceeds most competitors and provides crucial protection for remote travel.
Age-based pricing increases become substantial after age 65, with significant jumps for travelers over 75.
The included rental car coverage can offset some of the premium cost by eliminating the need to purchase expensive coverage from rental agencies.
✅ Pro Tip: The $1,000,000 evacuation coverage is this plan’s crown jewel. Most premium plans offer $500,000-$750,000, so Seven Corners provides exceptional value here. This higher limit is crucial for extreme remote destinations like Antarctica, deep Amazon regions, or remote Pacific islands where evacuation costs can easily exceed $500,000.
Pros and Cons
| Pros | Cons |
|---|---|
| Exceptional evacuation coverage ($1M) | No CFAR option available |
| High medical limits suitable for any destination | Premium pricing tier |
| Rental car coverage included | Limited adventure sports coverage |
| Comprehensive baggage protection | Higher age-based premiums |
| Strong travel delay benefits | 12-hour delay threshold |
| Business equipment coverage | Mental health coverage limitations |
Ideal Buyer Profile
RoundTrip Elite is designed for travelers taking expensive trips who want comprehensive protection and can justify the premium cost.
It’s particularly suitable for adventure travelers visiting remote destinations, luxury travelers with significant trip investments, and business travelers needing comprehensive coverage.
The plan works exceptionally well for travelers to locations where medical evacuation might be necessary, such as African safaris, South American expeditions, or Arctic/Antarctic travel.
It’s less suitable for budget-conscious travelers, those taking simple domestic trips, or travelers who prioritize Cancel For Any Reason coverage over high medical limits.
ℹ️ Fun Fact: The most expensive medical evacuation on record cost over $1.4 million for a patient transported from a remote Pacific island to specialized care in the United States. While extreme, it illustrates why Seven Corners’ $1,000,000 evacuation limit provides meaningful protection that lower limits simply cannot match.
User Feedback
Based on available reviews and industry reputation, Seven Corners receives generally positive feedback for their Elite plan.
Premium plan customers often mention responsive customer service and thorough claims handling, particularly for complex international situations.
The company maintains solid ratings overall, with Elite plan holders typically reporting higher satisfaction levels than users of their basic plans.
Most complaints relate to the lack of CFAR coverage rather than service issues or claims problems.
Alternatives to Consider
If RoundTrip Elite’s lack of CFAR coverage is a dealbreaker, consider AXA’s Platinum plan, which offers comparable medical limits with the option to add Cancel For Any Reason coverage.
For travelers seeking similar comprehensive coverage with different feature sets, IMG’s Patriot Platinum provides comparable evacuation benefits with enhanced pre-existing condition coverage.
Compared to Allianz’s OneTrip Premier, RoundTrip Elite offers higher evacuation limits but lacks the CFAR flexibility that some premium travelers prioritize.
Conclusion
Seven Corners RoundTrip Elite delivers exceptional value for travelers seeking maximum medical and evacuation protection without unnecessary complexity.
The plan’s standout $1,000,000 evacuation benefit provides unmatched protection for remote travel, while the $250,000 medical coverage handles any destination worldwide.
While it lacks Cancel For Any Reason coverage and commands premium pricing, the Elite plan excels in its core mission of providing comprehensive medical and emergency protection for serious travelers.
For travelers taking expensive trips to remote destinations or those who prioritize maximum medical coverage over cancellation flexibility, RoundTrip Elite represents excellent value in the premium travel insurance market.
Always review the full policy wording carefully before purchasing. Safe travels!
Buying Travel Insurance Online
Can Save Up to 30%!
