If you’re someone who travels multiple times per year, buying individual trip insurance for each journey can become expensive and time-consuming.
Many frequent travelers struggle to find annual policies that provide comprehensive coverage without breaking the bank or forcing them to remember policy details for every single trip.
As someone who’s helped hundreds of business travelers and travel enthusiasts navigate annual insurance options, I understand this challenge.
Let me break down Seven Corners’ Wander Frequent Traveler plan to help you determine if this annual coverage provides the convenience and protection you need for year-round travel.
In this article...
About the Company
Seven Corners has operated in the travel insurance space since 1993, building a reputation for straightforward coverage and reliable service.
Based in Carmel, Indiana, the company specializes in international travel medical insurance and annual travel protection plans for frequent travelers.
The Wander Frequent Traveler plan is underwritten by Crum & Forster SPC, which maintains solid financial ratings and extensive experience handling international claims.
Seven Corners sells primarily direct-to-consumer through their website, making policy management simple for busy travelers.
Plan Overview
The Wander Frequent Traveler plan provides annual coverage for unlimited trips throughout the year, with each individual trip covered up to a specified duration limit.
This plan works particularly well for business travelers, digital nomads, or leisure travelers who take multiple international trips annually and want the convenience of year-round protection.
It eliminates the need to purchase separate insurance for each trip while providing consistent coverage levels across all your travels.
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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
The annual plan covers unlimited trips throughout your policy year, with each individual trip limited to a maximum duration (typically 30, 45, or 70 days depending on the plan level you choose).
Emergency medical coverage provides $100,000 per trip, which is adequate for most international destinations except extremely high-cost locations like the United States.
Medical evacuation benefits offer $500,000 per incident, providing solid protection for travelers visiting remote locations where evacuation might be necessary.
Trip interruption coverage applies to each covered trip, though the limits are generally lower than what you’d find on comprehensive single-trip policies.
Baggage coverage protects your belongings on each trip with limits around $1,500, including coverage for electronics and personal effects.
Plan Highlights
- Annual coverage for unlimited trips eliminates need for individual policies
- Emergency medical coverage of $100,000 per trip
- Medical evacuation benefits up to $500,000 per incident
- Choice of maximum trip durations (30, 45, or 70 days)
- 24/7 worldwide emergency assistance services
- Coverage begins immediately upon departure from home country
- Automatic renewal option available for continuous protection
- Pre-existing medical condition coverage available with proper timing
💡 Personal Note: I recommended this plan to a tech consultant who travels internationally 8-10 times per year for client projects. Over two years, he’s used it for medical treatment in Bangkok, trip delays in Frankfurt, and baggage issues in São Paulo. The convenience of not worrying about individual trip insurance has been worth the annual premium for his peace of mind.
Features
| Feature | Coverage Amount |
|---|---|
| Emergency Medical | $100,000 per trip |
| Medical Evacuation | $500,000 per incident |
| Trip Interruption | Varies by trip value |
| Baggage Loss | $1,500 per trip |
| Emergency Dental | $500 per trip |
| Maximum Trip Duration | 30/45/70 days (plan dependent) |
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Exclusions and Limitations
The Wander plan has several important limitations that frequent travelers should understand before purchasing.
Pre-existing medical conditions are only covered if you meet specific requirements at the time of annual policy purchase, not before each individual trip.
Adventure activities including extreme sports, mountaineering, and high-risk pursuits are generally excluded unless specifically covered.
Trip cancellation benefits are limited compared to comprehensive single-trip policies, focusing more on interruption than pre-departure cancellation.
Coverage is secondary to any other insurance you may have, including employer-provided benefits or credit card coverage.
The plan does not cover domestic travel within your home country – only international trips qualify for benefits.
Pricing Insights
The Wander Frequent Traveler plan falls into the mid-range pricing category for annual travel insurance, typically costing $300-600 per year depending on your age and selected coverage options.
For travelers taking 4+ international trips per year, the annual premium often costs less than purchasing individual policies for each journey.
Pricing increases with age, particularly for travelers over 60, and varies based on the maximum trip duration you select.
The plan offers good value for its medical evacuation coverage, which provides the same protection across all your trips throughout the year.
Adding optional coverage or selecting longer maximum trip durations can increase the annual premium significantly.
✅ Pro Tip: Calculate your break-even point by adding up what you’d spend on individual trip policies for your typical annual travel. Most frequent travelers who take 4+ international trips per year save money with annual coverage, plus gain the convenience of automatic protection.
Pros and Cons
| Pros | Cons |
|---|---|
| Convenient year-round coverage | Limited trip cancellation benefits |
| Good value for frequent travelers | No coverage for domestic travel |
| Solid medical and evacuation limits | Secondary coverage to other insurance |
| No need to remember individual policies | Pre-existing condition timing is rigid |
| Immediate coverage upon departure | Adventure sports limitations |
Ideal Buyer Profile
The Wander Frequent Traveler plan works best for business travelers, digital nomads, or leisure travelers who take multiple international trips per year and want hassle-free protection.
It’s particularly suitable for travelers who take shorter trips (under 70 days) and primarily need medical coverage and emergency benefits rather than comprehensive trip cancellation protection.
The plan makes sense for travelers who want consistent coverage without the administrative burden of purchasing separate policies for each journey.
It’s less suitable for travelers who take only 1-2 international trips per year, those needing extensive trip cancellation coverage, or adventure travelers requiring specialized protection.
Exclusions and Limitations
❌ Avoid: This plan if you typically take only 1-2 international trips per year, as individual trip policies will likely be more cost-effective. Also avoid if you need comprehensive trip cancellation coverage, as this plan focuses primarily on medical and emergency benefits.
User Feedback
Based on available reviews and industry feedback, Seven Corners receives generally positive ratings for their annual plans.
Frequent traveler customers often praise the convenience and consistent coverage across multiple trips throughout the year.
Most complaints relate to the limited trip cancellation benefits compared to comprehensive single-trip policies.
The company maintains decent overall ratings, with annual plan users typically appreciating the administrative simplicity.
ℹ️ Fun Fact: The average business traveler takes 6.8 international trips per year, making annual coverage significantly more cost-effective than individual policies. However, leisure travelers average only 2.3 international trips annually, where individual policies often provide better value.
Alternatives to Consider
If the Wander plan’s limitations concern you, consider IMG’s Global Medical Insurance for more comprehensive annual medical coverage with higher limits.
For travelers needing better trip cancellation protection, purchasing individual policies for major trips while using annual coverage for smaller business trips might provide the best of both worlds.
Compared to Allianz’s annual plans, Seven Corners offers more straightforward coverage but with lower overall limits and fewer premium features.
Conclusion
Seven Corners Wander Frequent Traveler plan delivers practical value for travelers who take multiple international trips annually and prioritize convenience and consistent medical coverage.
The plan succeeds in eliminating the administrative burden of purchasing individual trip insurance while providing solid emergency medical and evacuation protection across all your travels.
While it lacks the comprehensive trip cancellation benefits of single-trip policies, the Wander plan provides essential protection that frequent travelers need most: medical coverage and emergency assistance worldwide.
For business travelers, digital nomads, and frequent leisure travelers who value convenience and consistent protection, this annual plan represents good value in the frequent traveler insurance market.
Always review the full policy wording carefully before purchasing. Safe travels!
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Can Save Up to 30%!
