Seven Corners Travel Insurance generally offers higher coverage limits and better customer satisfaction with the claims process. Travel Guard (AIG) can be a suitable option if the pre-existing condition waiver is a priority and the policy is purchased early. Both providers offer comprehensive coverage, but Seven Corners may be more appealing to those seeking high medical coverage and adventure sports options, while Travel Guard's dynamic pricing and add-on options cater to those who want to customize their plan.
| Attribute | Travel Guard (AIG) | Seven Corners Travel Insurance |
|---|---|---|
| Coverage Options | Trip cancellation and interruption, Emergency medical services, Trip delay, Emergency evacuation, Baggage loss/delay, Adventure sports (with add-on), Quarantine coverage (add-on), Rental car insurance (add-on), COVID-19 coverage | Trip cancellation, travel medical expenses, emergency medical evacuation, trip interruption, travel delay, and baggage and personal effects; Offers "cancel for any reason" and "interruption for any reason" upgrades; Medical expense coverage for sickness or injury, emergency dental treatment, and emergency medical evacuation or repatriation; Options for single trip, annual, student, and medical-only plans. |
| Maximum Coverage Amount (Medical Expenses) | Essential Plan: Up to $15,000, Preferred Plan: Up to $50,000, Deluxe Plan: Up to $100,000 | Trip Protection Choice plan offers $500,000 per person; Basic plan provides $100,000 in emergency medical coverage; Travel Medical USA Visitor plans offer a maximum of $1 million for the policy duration; Some plans offer up to $1,000,000 in medical costs and $1,000,000 in medical evacuation/repatriation costs. |
| Trip Cancellation/Interruption Coverage Details | Reimbursement for nonrefundable expenses if a trip is canceled or interrupted for a covered reason. Covered reasons include unforeseen injury, illness, or death of the insured, family member, or traveling companion. The Deluxe plan can cover trip costs up to $150,000 per person. Trip interruption covers nonrefundable unused payments or deposits if the trip is interrupted for a covered reason, up to $225,000 per person. "Cancel For Any Reason" coverage is available as an add-on for the Deluxe and Preferred plans, reimbursing up to 50% of the trip cost if canceled for any reason not otherwise covered, if canceled no later than 48 hours prior to departure. | Covers unforeseen events that disrupt trips before and after departure, including delays due to severe weather or illness; RoundTrip Basic plan reimburses up to $30,000 per person for trip cancellation or interruption. |
| Baggage Loss/Delay Coverage Details | Coverage for lost, stolen, or damaged baggage. The Deluxe plan covers loss and damage of baggage and personal effects up to $2,500. Baggage delay coverage reimburses for the purchase of necessary personal effects if baggage is delayed for a specified time (e.g., 12 hours or more). The Deluxe plan reimburses up to $500 for baggage delay. Essential Plan policyholders are covered up to $750 in the case of a lost or stolen bag. | Provides decent baggage insurance of $2,000 per person; RoundTrip Choice plan offers $2,500 for lost, stolen, or damaged luggage; Cruise Insurance includes short waiting periods for travel and baggage delays. |
| Emergency Medical Evacuation Coverage | Essential Plan: Up to $150,000, Preferred Plan: Up to $500,000, Deluxe Plan: Up to $1,000,000 | Trip Protection Choice offers $1 million per person; Basic plan includes $250,000 in medical evacuation coverage per person; Any plan includes coverage for Emergency Medical Evacuation and Repatriation, Emergency Medical Reunion, Return of Children, Return of Mortal Remains, and Local Burial or Cremation. |
| Pre-existing Condition Coverage | All AIG Travel Guard plans include a waiver of pre-existing medical conditions if the policy is purchased within 15 days of the initial trip payment or deposit. The insured must be medically able to travel when the plan is purchased. | Seven Corners Travel Medical Plus plans cover pre-existing conditions through a benefit called Acute Onset of Pre-existing Conditions; Offers waivers for pre-existing medical conditions exclusion with RoundTrip Choice and RoundTrip Elite; Pre-existing conditions are covered after the plan has been in effect for 60 days with the Seven Corners Trip Protection Annual Multi-Trip plan. |
| 24/7 Assistance Services Availability | Yes, Travel Guard provides 24/7 travel assistance. Services include finding an English-speaking doctor, assistance after a missed connection, and replacing a lost passport. 24/7 multilingual assistance team. | 24/7 travel assistance is offered via an in-house team; Provides 24/7 urgent medical travel assistance. |
| Customer Service Reputation & Claims Process | To file a claim, you can do so online or via phone. Travel Guard has a high rating with the Better Business Bureau but has only a modest number of reviews on the organization's website. There are complaints against the company on various review sites concerning their coverage limitations and demanding claims documentation process. | 87% of Seven Corners customers were satisfied with customer service, which is about average; 91% of customers who made claims were satisfied with the claims process, above average; Customers appreciate responsive customer service, especially when selecting a policy; Some mention frustrations with paperwork and long wait times for reimbursement. |
| Policy Exclusions and Limitations | Coverage may not apply to trips paid for with frequent flier miles or loyalty rewards programs. Baggage loss coverage may not include eyeglasses, contact lenses, hearing aids, or false teeth. Known events, such as a booked trip with inherent risks after a weather warning, may not be covered. | Every travel insurance plan contains exclusions; Limitations around age, pre-existing conditions, and routine care may apply. |
| Price and Deductible Options | AIG Travel Guard plans use dynamic pricing based on factors like the traveler's state of residence, age, trip cost, trip duration, and time between policy purchase and travel date. The policy price includes one child per adult at no cost. | Plans offer flexible limits and deductible choices; Cruise Insurance plan's average cost is only so-so; A modest deductible is standard for insurance policies. |
| COVID-19 Coverage Details | Travel Guard is enhanced with COVID-19 coverage. | COVID-19 is treated like any other sickness; Medical expenses for COVID-19 treatment during a trip can be covered; Coverage is available for trip interruption and cancellation due to COVID-19. |
| Sports and Adventure Activities Coverage | Most policies exclude adventure sports unless you add on the adventure sports bundle. | Seven Corners may appeal to adventurous travelers seeking customizable coverage; Sports and golf equipment rental coverage can be added. |
| Price | Not available | Not available |
| Ratings | High rating with the Better Business Bureau but has only a modest number of reviews on the organization's website. | Customer Service: 87% satisfaction (average); Claims Process: 91% satisfaction (above average) |