Both Seven Corners and Travel Guard (AIG) are viable options for travel insurance, with the best choice depending on individual priorities. Seven Corners may be preferable for budget-conscious travelers who prioritize CFAR coverage and are willing to risk potential customer service issues. Travel Guard (AIG) may be better for those who prioritize comprehensive coverage and customer support, and are willing to pay a higher premium.
| Attribute | Seven Corners Travel Insurance | Travel Guard (AIG) |
|---|---|---|
| Maximum Coverage Amount - Trip Cancellation | Up to 100% of trip cost, maximum $30,000 on some plans. | Up to 100% of the insured trip costs (up to $150,000 per person on some plans like Deluxe) |
| Maximum Coverage Amount - Trip Interruption | Not available | Up to 150% of the trip cost |
| Maximum Coverage Amount - Medical Expense Coverage | Medical coverage: $50,000 to $1,000,000 (plan dependent, may be limited for older travelers) | Varies by plan, up to $100,000 on some plans (Preferred Plan: up to $50,000) |
| Maximum Coverage Amount - Emergency Medical Evacuation Coverage | Up to $1,000,000 (plan dependent) | Up to $1,000,000 on some plans (Preferred Plan: up to $500,000) |
| Maximum Coverage Amount - Baggage Loss/Delay Coverage | Specific coverage amounts vary by plan. | Baggage Loss & Personal Effects up to $2,500; Baggage Delay up to $400 after a delay of 12 hours |
| Trip Cancellation Coverage Details | Covers non-refundable, prepaid trip costs for covered reasons (sickness, injury, death, jury duty, quarantine, etc.). Optional CFAR available for additional cost. | Reimburses 100% of trip cost if canceled for a covered reason. CFAR upgrade available (reimburses up to 50% of trip cost if canceled no less than two days before departure). Cancellation may also be covered for specific work reasons, jury duty, or inclement weather. |
| Trip Interruption Coverage Details | Covers non-refundable, unused trip costs and additional costs to return home or rejoin trip due to covered reason. Some plans offer IFAR coverage. | Covers up to 150% of the trip cost to cover expenses like hotels, airfare, and meals. Reimburses for the unused portion of the trip and the added cost to return home early due to a covered reason, such as a family emergency. |
| Medical Expense Coverage | Reimburses emergency medical care costs, including treatment for sickness or injury. May include emergency dental, COVID-19 related expenses and in-home care abroad on some plans. | Essential plan: $15,000; Preferred plan: $50,000; Deluxe plan: $100,000; Plus plan: $100,000. May include coverage for emergency dental expenses. |
| Emergency Medical Evacuation Coverage | Covers transport to nearest medical facility for emergency treatment, up to $1,000,000 (plan dependent). May cover repatriation of remains. | Essential plan: $150,000; Preferred plan: $500,000; Deluxe and Plus plans: $1,000,000 |
| Baggage Loss/Delay Coverage | Compensates for lost or delayed baggage and provides reimbursement for replacing essential items. Specific coverage amounts vary by plan. | Plus plan covers up to $2,500 for Baggage Loss & Personal Effects; Plus plan covers up to $400 for Baggage Delay (after 12 hours) |
| Pre-existing Condition Exclusion Details | Pre-existing conditions generally excluded. Some plans offer a waiver if policy purchased within timeframe of initial trip deposit and all non-refundable prepaid trip costs are insured. | Includes a Pre-Existing Medical Condition Exclusion Waiver in all its policies. Exclusion can be waived if the plan is purchased within 15 days (21 days for Travel Guard Plus) of the initial trip payment, the insured is medically able to travel, and the amount of coverage purchased equals all trip costs. |
| 24/7 Assistance Services | Seven Corners Assist offers 24/7 travel assistance, including help with finding doctors, delayed flights, translating medical documents, and emergency evacuation. | Provides 24/7 travel assistance, including finding an English-speaking doctor, assistance after a missed connection, and replacing a lost passport. AIG has global service centers with multilingual teams. |
| Coverage for Adventure/Hazardous Activities | Standard policies may include some adventure activities. Optional add-ons for riskier activities like skiing, scuba diving, and zip-lining. Some extreme sports might require additional riders. | Most policies automatically exclude adventure sports. Travel Guard offers an adventure sports bundle add-on. |
| Policy Upgrade Options | Increase medical expense limits, CFAR, IFAR, rental car insurance, sports and golf equipment rental coverage, event ticket registration fee coverage (on some plans). | Cancel for Any Reason (CFAR), Adventure Sports coverage, Inconvenience Bundle, Baggage, Pet, Security, and Wedding Bundles, Medical Expense & Emergency Evacuation Upgrade |
| Customer Service Reputation | Mixed reviews; some agents helpful, others report slow response times. Frustrations with paperwork and reimbursement wait times noted. Many appreciate responsive service when selecting a policy. | Receives praise for its comprehensive coverage and responsive customer support. Some reviews highlight frustrations with the claims process, including delays and denied claims. |
| Price and Value for Money | Less expensive than average; even cheapest plan allows CFAR purchase. Premiums increase with more comprehensive coverage and add-ons. | Plans use dynamic pricing based on factors like traveler age, state of residence, trip cost, and trip duration. AIG policies can be pricier than some competitors. |