Seven Corners Travel Insurance

Read all 97 reviews for this company

1. Raj | Jan 18, 2009

   I have bought the travel medical insurance from Seven corners for my parents who visited USA for couple of months .
   My father has to undergo some treatment for a problem which never existed before.
   Upon filing the claim, it took more than 2-3 months for this company to evaluate the claim and finally they got back to me with claim denial letter mentioning that the Pre-existing condition clause.
   I applied for a re-appeal of the claim and sent all the relevant sections of the medical records which mentioned that the symptoms manifested only during the policy coverage period and not before that.
   However they again sent a letter saying that they had some qualified medical reviewer to look into the case and he also supported their contention of pre-existing condition.
   I have lost trust with this company and strongly recommend everyone to think twice before buying an insurance policy from this company.

2. SS | Feb 19, 2009

   Customer service is very bad. Not all reps that speak to you know all the rules for issuing insurance. I was told that I would be issued the insurance by end of business day. When I called back to check on the status of the insurance, I was accused of being a liar. I will never use or recommend this insurance in the future.

3. Gautam Malhotra | Feb 24, 2009

   Fraud!
   I had bought Sevencorners for my Dad visiting US from India, thinking that a US based provider would be easier to follow-up. Excellent customer service when buying the policy! Unfortunately, my dad got hurt and had a collar bone require medical attention and physiotherapy. Sevencorners never replied back for claims regarding the charges. No medical provider recognized this insurance and we had to pay from our pocket. I had to send my dad back to India earlier than planned for more physiotherapy sessions. Oh & the initial claim I made was less than the premium I had paid for the 4 month insurance. The guys are so cheap that they didn’t even care about such a small claim. The other positive feedbacks about sevencorners (& other names it uses to operate) are all fictitious. I would suggest people to stay away from this company.

   Response from the company
   To customer reviewers Raj, SS and Guatam Malhotha,

   My name is Curt Carlson and I am the Vice President of Sales for Seven Corners. We take customer service very seriously and would like an opportunity to address your complaints. Your postings do not give me enough information to follow up or investigate your case. Please feel free to contact me directly at curt.carlson@sevencorners.com. I hope you accept my invitation and will work with me to resolve your issues. Thank you very much.

   Sincerely,

   Curt Carlson

4. Susan Peace | Apr 24, 2009

   We bought the insurance specifically for the evacuation benefits before visiting Ecuador. As it happened, my husband became ill with a local bug about 10 days into the visit. The local hospital brought in a surgeon thinking it was a bowel blockage. I was afraid evacuation would be necessary. I called Seven Corners on a Friday evening. Got voicemail announcing they were closed,,, “call back Monday”. I redialed several times, same thing. What good is it to buy coverage for evacuation if you can’t reach someone to obtain customer service? Waste of money! As it turned out, he did not require evacuation, but I went through a weekend of mental anguish over the inability to contact them. Now we have submitted a claim for the 3 days in the hospital. I have doubts that they will even pay that. We’ll see.

5. KN | May 5, 2009

   Great to work with

6. Suzanne Munson | May 28, 2009

   Dear Mrs. Peace,

   We value our customer’s feedback. Do you know what number you called for your husband’s emergency?

   There is a 24 hour collect number, and our office line which is only open during business hours 8:00 am-5:00 pm EST, Monday-Friday.

   Please let me know the end result of your husband’s claim.

   Best Regards,
   Suzanne Munson
   suzanne.munson@sevencorners.com
   Customer Service Manager

7. Mike | May 28, 2009

   I wouldn’t recommend this company. I purchased their Liason Trip Cancellation and Medical Coverage for a round-the-continent trip to South America. I was mugged in Colombia by two men, whom cut my right small finger as I was tackled down a hill before they took all of my things.

   I had the following month of my trip planned, which would have been canceled one way or another because my finger required two tendons to be repaired and a 12-week rehab period during which I wasn’t even allowed to raise my pulse rate. I filed claims for medical care as well as trip cancellation. Trip Cancellation is only covered if your house burns down or you suffer the loss of a family member. It’s in the policy, but most people that go through that much trauma probably won’t even file the claim in the time-frame that you are allowed to. My medical care was also denied. I am the first one to say that it is my fault for being cheap on medical insurance, but even so, you are buying a service that is supposed to take care of you in the event that something extremely unlikely happens. They should specialize in creating premiums based off of the frequency of incidental or malicious injuries rather than specializing in exclusions and ways to weasel out of paying their customers’ claims. DO NOT PURCHASE INSURANCE FROM THIS PROVIDER. I know I never will again.

8. Lakshmi | Sep 25, 2009

   The communication about a claim that was denied was extremely disappointing. The customer rep seems to love to finish her sentence with “No”. Anyways I don’t know if there are other travelers policies that are better, but this one is useless. Don’t waste a few hundred bucks on this one. Forget getting a claim, you may not even receive a decent call with a customer rep.

9. Jim | Sep 30, 2009

   I purchsed insurance from Seven Corners for my parents, paid additional for existing conditions. My mom had to visit the doctor for high blood pressure, called Seven Corners beforehand to confirm that it will cover some of the expenses. But was told afterward that it won’t due to the fact that it is pre-existing. I think this is entirely a fraud.

10. wiselyunwise | Nov 10, 2009

    CLAIMS HANDLING IS UNFAIR
    ————————-
    I recently bought travel medical insurance for my visiting parents. The claims handling was completely unfair. Deductibles are applied to services that result in the least amount of payout for the company. There is a lot of jargon on the benefits booklet that the company hides behind, mis-categorizes the claims submitted by providers and refuses to pay citing the lower limits on other items that clearly (even to a layman) do not apply to your case. The claims department doesn’t have a phone number (email/snailmail are the only means of communication), so any questions you ask about the claims handling have a long process time and you end up paying the provider directly. And once paid, there seems to be no way of recovering from seven corners.

    This company cuts too many corners. I would NOT recommend!! There are better choices out there.

    RESPONSE FROM SEVEN CORNERS
    My name is Curt Carlson and I am the Vice President of Sales for Seven Corners. We take customer service very seriously and would like an opportunity to address your complaints. Your postings do not give me enough information to follow up or investigate your case. Please feel free to contact me directly at curt.carlson@sevencorners.com. I hope you accept my invitation and will work with me to resolve your issues. Thank you very much.
    Sincerely,
    Curt Carlson

11. diver | Nov 26, 2009

    If there is a negative rating i will definitely go for it!
    STAY AWAY FROM THIS PROVIDER
    I should read these review before i purchase the policy!
    I file a lost luggage claim and they said they are secondary to all my housing and airline insurance. Then i filed the claim and get with the airline and housing and received some of the compensation but sitll not cover my loss after the deductible. Then i forward the documents to the sevencorners and the representative told me that i need to let her know each single i item i paid by the airline and housing insurance otherwise they are not going to adjust and process my claim futher.
    I take a look policy, and there is nothing about this regulation. I have no idea why they can not calculate the total compensation amount from other insurance. I ask them to give me the list of what they will pay for and what is cover and provide the statement from my policy saying i need to submit the each item i get paid by other insurance company, and they never answer the question. They just told me to give the list of what i get paid by each item from other insurance. I will keep you guys update. If they have any reason to denied, i will post here.
    I used to purchase travel insurance from other company and have car accident with fast and efficiency help. But this time my travel period is too long and i am going multiple countries so i pick a new provider.
    All i can say is this is the hugh mistake in my life!

    RESPONSE FROM SEVEN CORNERS
    Hi “Diver”. This is Ryan from Seven Corners and I am sorry you have had a difficult time understanding our policy wording. We certainly value our customers and will do everything possible to make sure you have a clear understanding of what is needed to submit a claim for approval. If you are still interested in receiving clarification, please contact me directly. Our phone number is (800) 335-0611 and my extension is 3413.

    Respectfully,

    Ryan Krause
    Accounts Manager | Executive Team

    Seven Corners, Inc.
    303 Congressional Blvd.
    Carmel, IN 46032

12. diver | Nov 26, 2009

    As i know sevencorners is member of BBB, may be we should just complain or let BBB know how sevencorners handle our claim.

13. diver | Dec 1, 2009

    Hi everyone just got some reply from sevencorners today and want to keep you guys update. The statement i request from sevencorners never be provide, all they do just ask me to go look at the policy i purchased. There is nothing about ” i need to submit the each item i get paid by other insurance company”. I request they to send me by writting/letter very clear but still ask me to look at the website. This insuarance cut too many corners, terrible!

14. Rony | Dec 22, 2009

    I am looking to buy an insurance policy for my parents visiting US from India. After reading these comments I dont think I am buying sevencorners insurance. Can someone recommend an alternative.

15. David T | Dec 24, 2009

    I am amazed that only one positive comment was posted in 2009. I purchased the Liaison Continent policy, including hazardous port coverage in January 2009. I was injusred in a skiing accident and was able to contact a representative very easily via their international toll free number provided on the insurance card. I filed a claim and was issued an EOB within three weeks +/-. I find it surprising that representatives from Seven Corners are reviewing this very site and responding to negative comments. Why are there no follow up comments from those who received a response from Seven Corners? Susan Peace must be joking that she was unable to figure out that the office voice mail was not the toll free claims number. Seems like those complaining did not use basic common sense.

16. Aya Bracho | Jan 19, 2010

    I will like to make a review on Seven Corners, with it’s international coverage policy. It’s been a nightmare. I contracted them on November 2008, and had to extend the contract through October 2009. It took them more then 6 months to pay me the reimbursements. There is a lot of administrative problems, they do double charges and the client has to be over them in order to avoid double payments and making sure the peding checks are really issued and handled to the address given.

    The customer service by mail and phone is good, but the rest is just not acceptable. I am pleased I did not have a life threatening situation while suppously “covered” by them…it’s has bee just a terribly experience that seems not to have an end still…

    RESPONSE FROM SEVEN CORNERS
    Seven Corners would like to reach out and respond to Aya Bracho’s post dating January 19, 2010. Aya Bracho’s claims were paid in full. Upon reviewing the notes regarding this case, the delay was due to the following reasons:

    #1 Aya purchased two different plans. Some claims were filed under one plan, and additional claims were filed under the second. We paid claims under both plans, before realizing they needed to be paid under one plan as it was one specific incident. We then had to place a stop payment on certain checks and have them reissued so the claims were paid out from one plan.

    #2 I also note that we indeed made a mistake and did not send the first round of claims reimbursement checks to an alternate address that was requested via telephone. It is our standing protocol to mail check reimbursement to the address which was supplied by the insured at the time of purchase. These two issues resulted in a delay, and the reissuing of claims payment. Aya Bracho’s situation was unusual, however, we were able to rectify the situation accordingly.

    If you have any questions, please feel free to contact me.

    Best regards,
    Suzanne Munson

    Customer Service Manager at Seven Corners
    Suzanne.munson@sevencorners.com

17. stella | Mar 2, 2010

    After reading the reviews, I am happy to say that I will not purchase travelers insurance from this company. Most importantly, I would like to point out that David is most likely an employee working for this company.

    RESPONSE FROM SEVEN CORNERS

    Hi Stella,

    We service hundreds of thousands of clients which is a very small portion of business we process. Some of our most well-known clients include the US Department of State and the world-renowned PeaceCorps and AmeriCorps programs.

    As for David’s comment – we have reached out and personally thanked him both for his kind review and for taking his time to explain his experience to everyone on this site. David is not employed by Seven Corners – but rather a client who had a nice experience with our claims process.

    It’s important to note that purchasing the right policy for your situation is important. If a potential client has any questions about what’s the right coverage plan, then they should contact us using our toll-free number.

    Feel free to visit our site and see for yourself the variety of programs we created to offer our insured’s coverage all over the world. Additionally, if you’re able, take some time to read the news section of our site. You’ll discover our Seven Corners Assist Division played a huge role in immediately securing the safety of our clients from both the Haiti and the Chile earthquake disasters.

    If you have any questions, feel free to reach out to us.

    Sincerely,

    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

18. Tony | Mar 3, 2010

    I was planning a trip overseas for the last Christmas, and then the big snow storm hit DC and caused my flight to be canceled, and the airlines involved were unable to get me to my destination for 10 days. I thought all along that my trip insurance would cover it, but to my surprise, they have a loophole that states that the carrier has to be grounded for 48 hrs. The fact that it was grounded for 1 day and caused the rest of the flight was not considered. So, I lost my trip deposit, which was quite significant. Overall, I think this trip insurance is worthless, and what is worse, give you false confidence that you had a viable insurance. I should have read this forum and I would strongly recommend that no one buys trip insurance from this company.

    RESPONSE FROM SEVEN CORNERS

    We definitely can understand Tony ’s frustration. Standard trip cancellation insurance is only designed to cover specific reasons for cancellation, which are listed in the policy and brochure and are available prior to purchase. We do have an optional benefit called “Cancel for Any Reason.” “ Cancel for Any Reason” must be purchased within 10 or 15 days from the date you make your initial trip deposit (depending on the plan), and you have to cancel within 2 days or more of your trip. The 48 hour restriction for the Common Carrier (or airline) having a complete cessation of services is an industry standard in trip cancellation coverage. It is not a loophole from Seven Corners.

    Our customer service center takes the time to explain to a potential consumer, what is and isn’t covered. We want you to know how the insurance plan would work before you purchase. If you decide those reasons or benefits are not what you are looking for, then that is up to you. We encourage all customers to give us a call. We can be reached 8:00 am – 5:00 pm Eastern Time, Monday – Friday at 1-800-335-0611.

    Sincerely,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

19. Yasam | May 4, 2010

    I have bought Liason International insurance and got injured my back in US. I had two visits to an orthoapedics doctor and was prescribed with medicine and 6 weeks of physical theraphy. It took a while but all my claims have been paid by the company. And whenever I mailed them regarding the insurance I was immediately assisted by them.

20. Dale | Jul 6, 2010

    I was ready to purchase insurance for a trip we are going to be taking in 2011 thought Seven corners had a good policy and then I started to read the reviews and said there is no way on earth I would buy travel insurance from this company based on the poor reviews.
    Thanks to all for posting their experiences. I will go somewhere else to do business

    Dear Dale,

    Seven Corners would like to have the opportunity to comment about your recent post. Unfortunately, the majority of most blog postings contain negative content, regardless of the insurance provider. As you can see from this website, we have tried to reach out to all of the individuals whose post reflect any level of dissatisfaction. I noticed that only one other carrier has reached out to do the same.

    Seven Corners strives to help consumers purchase a plan that will meet their expectations. Our Customer Service department provides descriptions of the programs and benefits, so that you will be able to make the appropriate purchase decision which is right for you. Seven Corners does not want a potential customer purchasing a plan to later find that something is not covered. Insurance plans are only designed to cover certain scenarios or conditions. Seven Corners encourages you to please read your brochure for the specific details prior to purchase or call our Customer Service Department at 1-800-335-0611.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Suzanne.munson@sevencorners.com

21. John | Jul 8, 2010

    I heard about Seven Corners from my best friend who is very into traveling abroad. She has only made one claim in her life and states there was no problems getting covered. Company was very relaxing to work with. I never had a claim, but I felt that if something ever did happen, I wouldn’t have to worry because I was very well informed with the details of my policy from the beginning.

22. Girish | Jul 14, 2010

    I was going to purchase traveller insurance for my parents, but after reading these posts I realized the disgusting attitude of this company and will never purchse insurance from them.I have also read similar reviews about most other companies offering insurance to travellers to USA. They all cheat the customers. We should bring about a mass sction law suit against them.

    Response from Seven Corners
     
    Dear Girish,
     
    You are definitely entitled to your own opinion regarding our company.  I feel that it is unfortunate you have formulated such an opinion based on a dozen postings on a review site, as opposed to calling our company yourself and devising your own experience.  I am not discounting these individuals’ posts, but please note, you are only reading one side of the story. As an example, referencing Ms. Susan Peace’s posts – her husband’s claims were paid in full.  I researched their case, and they did indeed call our 24/7 emergency line, which does have a recorded message that if this is not a true emergency to please call back on Monday during our business hours. This is the point where the Peace family hung up.  The recording continues to say if it is an emergency, please call 911, or wait on the line to be assisted momentarily.  Her husband was hospitalized.  Seven Corners considers this to be a valid situation in which the caller would want to wait on the line for an assistance representative. We must have this disclaimer for our 24/7 emergency line, so that our staff can keep phone lines open to handle true emergent situations.
     
    Seven Corners pays 100% of eligible claims, based on the policy wording which is provided to you before you make a purchase decision. As you can see in my previous responses, we strive to help consumers purchase a plan that will meet their expectations. Our Customer Service Department is the first to tell you what will and what will not be covered, because unfortunately the insurance plans are not designed to cover everything. 
     
    Seven Corners insures hundreds of thousands of lives throughout the year, and provide claims administration services for AmeriCorps,  Peacecorps, and US Department of State.  In order to provide these services, we have to complete annual audits, and adhere to guidelines established by our Government. We have been providing these particular services since 2003.
     
    Best regards,
Suzanne Munson
    Customer Service Manager at Seven Corners
    Suzanne.munson@sevencorners.com

23. Anthony Ogbonna | Jul 14, 2010

    For the first time in my life, I bought travel insurance for a trip to Salt Lake City. On a regular checkup visit with my Doctor a few days before my trip, he discovered a health risk and asked me not to travel for two weeks while he put me on medications. I called and cancelled the trip with Onetravel, the company I bought the ticket from, who referred me to Delta, the airline, who referred me to Seven corners, the insurance company. Seven Corners demanded documentations, which I supplied. Now they are demanding an email cancellation. I cancelled on the phone, and sent a cancellation fax.
    Seven corners Case # 3590665
    I paid Seven corners to insure against a risk. That risk materialized. I believe that seven corners is trying not to fulfill their contractual obligation. I am disappointed and really upset. I have written their chairman today. As this saga unfolds, I will keep everyone updated on this forum and blogs.

    Response from Seven Corners

    Dear Anthony,

    Part of any claims process is the receiving of required documentation. In your specific case, we have only received your cancellation confirmation from Delta, but we have not received anything from One Travel, who was your designated travel supplier. We must have a notice from One Travel that they did indeed cancel your flight, as opposed to issuing you a credit for another flight in the future. If such a credit has been issued, then you would have not experienced financial loss, which is the purpose of the insurance plan you purchased. I have reached out to my contact at One Travel on your behalf, in hopes of speeding up the claims process for you. Once this is received, we will be able to complete the processing of your claim.

    Best regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Suzanne.munson@sevencorners.com

24. Lynn | Aug 6, 2010

    I filed a claim after being stranded in Europe by the volcano. I booked through OneTravel and bought the offered insurance. I am very unhappy with them currently. They closed my claim due to lack of information although I have responded to every request via email,fax, or written letter. I am trying to get the unused portion of my airfare refunded. I had to buy my own separate ticket to get back because the OneTravel rep couldn’t get me a flight before May 5 and the BA website was understandably swamped and I couldn’t get through.

    Currently, I am very unhappy and considering lodging complaints with the BBB, posting additional negative reviews (this is the first), and suggesting that everyone stear clear of them.

    This is their chance to do the right thing.

    Response from Seven Corners

    Dear Lynn,
    Thank you for emailing me directly. I did forward it on to a claims supervisor, and she responded to you within 5 minutes of my request. If you did not receive it, please let me know. All that we are waiting for to complete your claim review is your documentation from British Airways, which was requested in a letter that was sent on 6/28/10. I would be happy to assist you further.

    Best Regards,
    Suzanne Munson

    Customer Service Manager at Seven Corners

    Suzanne.munson@sevencorners.com

25. Claudia | Aug 31, 2010

    I am shopping for insurance for my family trip tp europe and after reading all these bad reviews, I will not purchase from seven corners which seems to like to cut corners instead.

    RESPONSE FROM SEVEN CORNERS
    Dear Claudia,
    I would like to respond to your post, and recommend that you to develop your own experience with Seven Corners. If you read through many of these postings, as well as my responses, you’ll note that many of the situations came to a positive resolution. If you call our Customer Service Department and let them know what you are looking for, we would advise you whether or not a plan will meet your needs. If it does not, we might have other suggestions available, or we would suggest that you seek coverage elsewhere. There are no instances where we try to cut corners in order to earn someone’s business.

    Sincerely,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

26. VJ | Sep 4, 2010

    Travel insurance looks good on web site, I almost bought it, but good I read these reviews, am saved from these cheats…

    RESPONSE FROM SEVEN CORNERS
    Dear VJ,

    I would suggest that you call Seven Corners and let your encounter speak for itself. We have staff available from 8:00 am- 5:00 pm EST. Seven Corners is the first to tell you what will and what will not be covered, because unfortunately travel insurance plans are not designed to cover everything. Our travel insurance programs will cover any new illness, any new accident. The program does not pay for wellness checks ups, or pre-existing conditions. I would be happy to assist you with any of your coverage needs.

    Best Regards,

    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

27. AP | Sep 27, 2010

    Hi,
    My parents visited USA last year in May and we had to visit doctors for several visits regarding check ups and few common issues like fever/cold. We sent all documents to SevenCorners and never received any reply. Even the doctor who was initially ready to accept the insurance denied and asked to pay for treatment and asked us to deal with SevenCorners.

    This is an absolute scam as we never received a dime from SevenCorners. I would appreaciate if some one responsible from SC would contact us and explain the situation.

    I need to buy insurance again for my parents and I would not consider SC for them this time.

    Thanks
    AP

    RESPONSE FROM SEVEN CORNERS
    Dear AP,

    I have sent your post on to one of our claims managers for follow-up. We are still waiting for a medical recorders from the doctors who treated your parents, which we requested on 11/25/2009. We are going to reach out to those providers again on your behalf. One of our claims analysts will be emailing you shortly.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

28. Filovince | Sep 30, 2010

    Despite reading all the negative reviews, I have just bought a travel insurance policy with Seven Corners. I am traveling to Viet Nam for two weeks in December.

    I work as a college professor who teaches eCommerce and have no affiliation with Seven Corners. I am willing to trust a company that is willing to diligently respond to customer negative feedbacks. Very few other travel insurance companies have made such effort.

    I am certain all of the negative customer experiences expressed are valid and have caused much pain for the individuals and their families and would encourage Seven Corners to continue to provide exceptional customer service. I will take a chance with Seven Corners and trust I will not be disappointed should an emergency happens.

    RESPONSE FROM SEVEN CORNERS

    Response from Seven Corners

    Dear Filovince,

    Thank you for posting your viewpoint regarding Seven Corners. We hope you have a great trip to Viet Nam. I would encourage you to keep your ID card with you at all times. In the event you need to use the insurance, you will want to focus on the area that says for Immediate Assistance. (Located in the lower right hand corner of your Virtual ID card) That has the 24 hour collect number that you can call in the event of an emergency. It is important to call as soon as you can, so we can start managing your situation and make any necessary arrangements, should the care you are currently receiving is inadequate. If you have any other questions, I would be happy to assist you.

    Best Regards,
    Suzanne Munson

    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

29. Krishna | Oct 21, 2010

    This was the third time my claim got denied. Every time these people have some reason or the other to say no. Having seven corners insurance does not protect you in any way because you would any way pay the bills from your pocket to doctor and on top of that pay monthly premium for this lousy company just to hear no from them…
    Don’t purchase seven corners inc. United Health Care is better than them

    RESPONSE FROM SEVEN CORNERS

    Dear Krishna,

    I looked into your account, and of the three policies I found, zero claims have been submitted to our company. If you could please respond to me directly with the ID number of the policy in which your claims have been denied, I would be happy to research further.

    Best Regards,

    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

30. Deepak Sharma | Oct 21, 2010

    Rating = Poor.
    FRAUD.
    I have bought insurance from Seven Corners for the past three years, for my parents visiting the US from India.
    The first year, there were no visits to the doctor. The second year, the claims were handled fine. This year, I bought the insurance online, after entering all the required information – Name, Passport Information, Nationality, Date of Birth, etc.. The transaction went smoothly. Unfortunately, my father suffered from health issues related to high blood pressure a few months into their stay here. I had to take him to the hospital emergency room, and for a follow-up visit with the cardiologist. I called Seven Corners within 24 hours of taking him to the hospital emergency room, making them aware of it and inquiring if the insurance plan required a pre-cert or authorization to take him to the cardiologist for a follow-up visit, as advised by the emergency doctor. I was told that I did not need any pre-cert and that the follow-up visit with the cardiologist will be covered as well. When at the cardiologist’s office, his staff also called Seven Corners to confirm coverage, and were given an answer in the affirmative. However, when the claims from the hospital and the cardiologist’s office reached Seven Corners, they informed me via a cursory email that the insurance coverage I had bought for my parents was invalid. I was informed that the plan I had paid for, and Seven Corners had accepted payment for, could only be sold to US Citizens/permanent residents. I was therefore responsible for all the bills. Repeated attempts at trying to resolve this were met with a standard response from the case manager (Catherine H). I was summarily told that I could buy another insurance policy, but the old claims were completely my responsibility. The premium I had paid for the policy was returned to my credit card without my being informed about it. I am shocked that Seven Corners acted this callously and treated a repeat customer in such a manner.
    - Seven Corners accepted the form I filled on their website to purchase the insurance policy even though it clearly stated that my parents are Indian citizens. I had also provided their passport numbers and other information required on the form. If there was a problem, the website should have prevented me from proceeding with the application. I would have expected a company selling insurance to at least do this basic check that the right policy is sold to the right person, if nothing else.
    I bought the policy online on May 09, 2010, I was allowed to buy it and also not informed of any such issue until July 09, 2010.
    - Seven Corners never bothered to tell me that the insurance policy I had purchased for my parents was invalid until the first claim hit their system. This leads me to believe, if there were no claims, they would have gladly kept my money for a policy that they say I bought incorrectly. Clearly, a case of outright fraud.
    - Seven Corners repeatedly failed to alert us to the issue that we had bought an incorrect insurance policy. When it came time to pay, they balked. Just not acceptable.
    I would seriously and vigorously discourage anybody doing business with Seven Corners or any of their affiliates. I have referred them to at least 2 other people, for the past 2 years. But, no more. I doubt the positive reviews. There is no way to file an appeal. The customer service/case manager response is pathetic.
    Seven Corners cheated me out of my money. I am going to make sure none of my friends go through this, and would spread the word far and wide. This is the only way it seems to stop people from being duped by Seven Corners.

    RESPONSE FROM SEVEN CORNERS

    Dear Deepak,

    Unfortunately, the policy you purchased is only for Travel Excluding the US, please see screen shot below which is on the first page of the quoting engine for the Liaison Silver plan. This plan is only available to US citizens or US permanent residents. In your situation, your parents are Indian citizens and are not permanent residents of the US, the qualifiers for purchase of this Policy. We regret that your policy selection was not appropriate for your parents needs.

    

    The policy wording and brochure are always available prior to purchase, and both include the following wording regarding eligibility:
    Effective Date of Individual Insurance Your coverage will begin on the latest of the following: 1) The moment you depart the United States; or 2) The date and time the Application and full plan cost is received and accepted by Seven Corners; or 3) The date requested on the Application

    Rescission of coverage and return of premium is standard procedure in the insurance industry, once it is discovered that ineligible coverage was purchased. We advise all consumers to call our Customer Service Department at 1-800-335-0611 from 8:00 am-5:00 pm EST. Each insurance plan may have different eligibility requirements and can be overlooked by the consumer, which unfortunately was the case in your situation.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

31. Ann | Oct 21, 2010

    These people are crooks. take money dont even give the documentation that you have a policy and when cancelled because no proof of insurance they returned a fraction of the money they charged to my credit card WITHOUT ANY PROOF THAT I HAD INSURANCE ! FRAUD ! THESE PEOPLE SHOULD BE IN JAIL! Not running A SCAM LIKE THEY ARE! DEPARTMENT OF JUSTICE IS LOOKING INTO THIS COMPNAY AS THEY SHOULD CROOKS AND LIARS STEALING MONEY FROM PEOPLE THAT WORK HARD WHAT COULD BE MORE DIRTY AWFUL AND CRIMINAL ????????

    Response from Seven Corners

    Dear Ann,

    I am trying to research your compliant that was posted on http://www.travelinsurancereview.net and I am unable to find your email in our system. What coverage did you purchase with us? If you do not know, I can also find you with a first and last name.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

32. Ann | Oct 21, 2010

    the rep that sold the insurance doesnt have a license to sell it!. How honest! These people deserve jail time and restitution of all the money they have stolen from customers.

    Response from Seven Corners

    Dear Ann,

    I am trying to research your compliant that was posted on http://www.travelinsurancereview.net and I am unable to find your email in our system. What coverage did you purchase with us? If you do not know, I can also find you with a first and last name.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

33. Pares Kurani | Oct 25, 2010

    i wanted to opt for anything less than this ’0′ for rating.

    I took insurance for my mother in law – visiting from India for a short period and unfortunately she needed ER treatment. After 5+ months of providing every document insurance company asked for – it is still pending review.

    No words are enough to explain frustration. So please check thoroughly before you buy.

    Response from Seven Corners

    Dear Pares,

    I have reviewed the notes, and the reason for the delays were due to pending necessary medical documentation from the physician who treated your mother-in-law. We did make 8 attempts, both by telephone, and direct mail request to the physician to obtain this information. If you have further questions, please contact claims@sevencorners.com.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

34. ann | Oct 25, 2010

    Please contact the department of justtice & consumer services. Office of consumer protection.

    Response from Seven Corners

    Dear Ann,

    I am trying to research your compliant that was posted here and I am unable to find your email in our system. What coverage did you purchase with us? If you do not know, I can also find you with a first and last name.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

35. Deanna | Nov 3, 2010

    Obviously something is up with this company. Only a fool would ignore so many bad reviews, and it makes little sense for the company to reply,”try us and form your own decision.” for something so important to many of us who need this kind of insurance.

    I am at a loss on how to insure my in-laws for their visit to the US… I do not want to lose my house in the event that one of them has a heart attack… My father just died of such an event, he is a US citizen and was insured through Kaiser and a few “extra” insurance plans…he was a careful man and clearly didn’t want to leave a debt on the family. The bill for his medical care was a whopping $400,000. But all but a couple grand was covered through his multiple insurance plans.

    I’ve solicited opinions from big travel-type companies about where to go for this kind of insurance (travelocity, etc) but they can’t endorse anyone.

    I’m not sure what to do…

    But again, if the rep from seven corners reply to this is “don’t be a chump, make up your own mind with direct experience with us” you needn’t bother… companies who are doing right, don’t get this kind of crush from bad reviews.

    Response from Seven Corners

    Dear Deanna,

    If you read through all of my responses, you will see the same patterns continually surface throughout the majority of these complaints.

    1. Customers purchase coverage and assume it will cover everything, similar to a US domestic healthcare major medical program.

    Travel medical programs are only designed to cover new accidents and new illnesses. They are not priced to cover pre-existing conditions. They are not major medical programs similar to what your father had with Kaiser. If we covered pre-existing conditions for visitors to the United States, the plans would no longer be affordable.

    This is the biggest challenge for any travel insurance company…how to educate a consumer in understanding the difference. Travel medical insurance is not major medical coverage or what you receive in your home country via socialized medicine.

    2. Customers are unhappy with the claims process and the requirements that go with it.

    In order to provide claims payment for eligible claims, (again, unfortunately we do not cover pre-existing conditions) we are required by the insurance companies (underwriters)we represent i.e. Nationwide, Lloyd’s of London, Chartis, and United Fire Insurance Company to have the following:

    1. A signed proof of loss form. This is required by law in order for our company to review your medical information. See HIPPA http://en.wikipedia.org/wiki/HIPPA for more information.
    2. Receipt of supporting medical documentation. This is also a requirement from the insurance companies to ensure legitimate claims are being filed for medical treatment.
    3. Itemized lists of what was lost by the airline and their costs. This is also a requirement from the insurance companies to ensure that we are upholding their approved wording stated in the policies, which is available prior to purchase.

    In some of the posts, customers posted responses before the final resolution was met. I have never discounted an individual’s frustration, but I can only try and explain that as with any business, procedures and guidelines have to be followed. Seven Corners Customer Service Department will ask you questions to try and understand what you are looking for, and will tell you if we can meet your coverage expectations. If we can’t help you, then we will tell you upfront, or recommend another option if we know of one. There are a few companies out there that claim to provide pre-existing coverage for visitors, provided certain circumstances are met. If that’s only what you need, then our services are not for you.

    I will end my response with again, call us and form your own experience. Seven Corners is a company with integrity. We own up to our mistakes. (See Aya Bracho above) We try and help the consumer make informed decisions. We understand that you may not understand insurance language. We do everything we can to make sure you know what your money is covering, and in the event of a claim, you know what we need from you to make the process move along as quickly as possible.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

36. gabriel | Nov 5, 2010

    After reading all reviews, IMHO the company is deceiving by showing pictures of an old Indian couple and calling its plans “Visitor Medical Insurance”. What they are selling is actually accident insurance and should be called that way. Statistically most older people travelling to relatives require medical attention due to problems related to age (blood pressure, heart conditions, toothaches, diabetes, stroke), which are promptly dismissed as “pre-existent” conditions. Even a bone fracture can be linked to osteoporosis etc. So… buyer beware!

    Response from Seven Corners

    Dear Gabriel,

    Our visitor medical insurance plans or travel medical insurance plans cover new accidents and new illnesses. As I have stated in many of my posts, unfortunately we do not cover pre-existing conditions. These plans are designed to provide coverage if you were to get the flu, develop a rash, fall and break your leg, or are involved in an accident.

    We have two types of plans: 1. URC and 2. Scheduled benefits.

    URC means usual, reasonable, and customary. These programs will cover the cost of eligible procedure(s) based on the area where you are being treated. The plans have cumulative deductibles (six options available) and co-insurance. Once you satisfy your deductible, there is corresponding co-insurance, with the company paying the higher percentage of co-insurance. After your deductible and co-insurance have been satisfied, the company pays 100% up to the chosen policy maximum.

    URC Style Example:
    For example, you visit the doctor for the flu and the bill is $100:
    You have a $50,000 policy maximum, a $100 deductible and 80 / 20 coinsurance (After you pay the deductible, the plan pays 80% of the next $5,000 of eligible expenses, then 100% to the selected Medical Maximum).
    You would pay the $100 bill, and it would be applied towards your deductible. At this point, your deductible of $100 is satisfied for your current period of coverage.
    Any bills that come in after this would be split 80 / 20. The insurance will pay 80% and you pay 20%, until $5,000 is reached. Any eligible bills above that level will be covered 100%.

    Scheduled benefit plans provide limited benefits as they will only pay for a certain dollar amount per procedure, after a per incident deductible. What that means, is instead of a one-time cumulative deductible, you pay a deductible for each new illnesses or each new accident.

    Scheduled Benefit Example:
    For example, you visit the doctor for the flu and the bill is $100.
    You would have a $50,000 per incident medical maximum and a $75 per incident deductible. The maximum benefit for a Physician’s Non-surgical visit is also $75. The 1st visit requires you to satisfy your $75 deductible.
    Because the benefit amount is the same as your deductible, you would only receive a $25 benefit on your 1st visit: I.E: The bill is $100; you pay $100 and the company would reimburse you for $25 of that $100 ($100 minus your $75 deductible).
    If you saw that doctor again regarding the same flu, you would pay the them $100, and we would reimburse you $75. (Because you already satisfied your $75 deductible, but the maximum benefit is only $75).
    If you have any additional questions, as to what is and is not covered, please give our Customer Service Department a call.
    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

37. Ruben Misrahi | Nov 10, 2010

    I’m a bit lost.
    I insured my daughter for a year she’ll spend in India.
    So far, the response has been superb, at least in terms of replying to all my emails and phone calls.
    She was evacuated and hospitalized, and they indicated that they are taking care of the expenses. All I needed to do was provide the name and phone of the hospital. I’m not sure this is taken care of.
    The insurance also covers my trip to visit my daughter.
    I just hope I made the right decision.
    On one hand all the negative feedbacks make me nervous, on the other, they seem to care and I see they’re replying with specific questions. What I don’t see is users following up on it.
    I’m hopping for the best.

    Response from Seven Corners

    Dear Ruben,

    Thank you for posting your experience with Seven Corners thus far. I am sorry to hear that your daughter has been hospitalized. Hopefully, she is on her way to a speedy recovery. Based on your post, you are in contact with our Assistance Department, and that should continue to be your main line of communication regarding your daughter’s situation. Our Medical Director will be speaking with the treating doctors in India on a regular basis, and we will continue to update you. If you have any specific needs that I can further help you with, please let me know.

    Best Regards,
    Suzanne
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

38. Ruben Misrahi | Nov 11, 2010

    I got very nervous when I read all these negative comments, because my experience so far was -as I said- superb.

    After my daughter fell ill with Dengue Fever, I was notified that I was entitled to go visit her. Ticket, hotel and food were covered for up to 10 days.
    When their reservations office failed to contact me one day I started feeling that all these comments were written here for a reason.

    Well, I have to tell you I am more than delighted with their response. They are even making an exception for me to stay 14 days instead of 10. They cover only 10, but hey, this is well beyond my expectations.

    In the past I’ve never had to use the coverage of a travel insurance (and I hope I don’t have to anyway), but I’m for sure using these guys for me, my family and my company in the future.

    I provide software services, and we know that an unhappy customer will tell his story to 10 people, but it takes about 100 happy customers to get one of them to tell their story.
    Well, I’m one of those 100.

    To the unhappy users I suggest you follow up the replies of the company, and if you were mistaken, have the honesty of acknowledging so here.

39. Krishna S | Nov 12, 2010

    I took Liaison Majestic from seven corners for my dad who was visited us in June this year.Unfortunately my dad had to be taken to the ER and I informed Seven Corners the same day.The seven corner customer representatives were very very helpful in answering to all my questions and all bills including the
    prescription charges have been paid by seven corners.I would like to thank all the seven corners staff for their excellent support(email and phone service).

    Response from Seven Corners

    Dear Krishna,

    Thank you for posting about your experience with Seven Corners. We are glad that we were able to provide the needed assistance to your father, and hope that he has returned to good health. If ever I can assist you in the future, please let me know.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

40. u4 | Dec 6, 2010

    I bought two travel insurance (Inbound USA) from Seven Corners for my parents three months visit in the US from India.

    My mother complaint about pain and I had to take her to clinic. She got prescription medicine for one week and her pain was gone. Soon we got the medical bills amount from the Clinic and claim form from Seven Corners. Today I got the bills back with remarks saying all of the claim amounts are “Ineligible” and that the charges are pending from the health service provider.

    My friend recommended me to this insurance company but reading about experiences from people, I have a feeling that today’s letter is one step closer to denial of the claim saying “PRE EXISTING!!”, or I could be wrong.

    RESPONSE FROM SEVEN CORNERS

    Dear u4,

    I have looked into the notes regarding your mother’s claim. We sent a letter to the doctor who treated your mother on November 24, 2010. Once we receive the medical information from this doctor, we can process her claim. We do need to have this information in order to proceed. If you have any further questions, please let me know.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

    I’ll see what happens to my claim and will post the updates.

41. Cheryl | Jan 5, 2011

    I still decided to purchase medical coverage for an upcoming trip even after reading the reviews. I have done a lot of research and this company had the best rating. Hopefully I will not need to use it while on vacation in Mexico but if I should I will post what happens.
    I was very impressed that they responded to the negative comments that tells me that take customer service serious. There is always two sides to every story.

    RESPONSE FROM SEVEN CORNERS

    Dear Cheryl,

    Thank you for taking the time to research Seven Corners. We do take customer service very seriously. Insurance is not a tangible item, therefore, we feel that providing excellent customer service is the ONLY option. When you call Seven Corners, a live person will answer the phone. A customer service representative will speak with you regarding your coverage options, and we will stay on the phone with you for as long as it takes to make sure you understand what you are considering for purchase. I hope more readers will reflect on your post and give Seven Corners an opportunity to service their needs.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

42. Mary Button | Jan 6, 2011

    I purchased 30 days of insurance from Seven Corners, to cover my trip to Saudi. I fell and sprained my ankle very bad, went to the Saudi hospitial. The did not take this insurance, I don’t think they take any insurance for that matter. I was given paid bills, all in Arabic, mailed to Seven Corners, they sent me a simple form to fill out, mailed it back. Very quickly I was mailed a check to cover all my expences.
    I AM VERY PLEASED WITH THE SERVICE, AND LOOK FORWARD TO USING THEM AGAIN

    RESPONSE FROM SEVEN CORNERS

    Dear Mary,

    Thank you for taking the time to post about your experience. We are glad to hear you are pleased with our services. If I can assist you with anything in the future, please feel free to contact me.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

43. Justin | Jan 15, 2011

    The absolute worst. Called in to discuss a claim for an emergency operation and they told me that an “anonymous source” had called them, unsolicited, to report that I had a pre-existing shoulder condition and that they should not cover any costs. A BLATANT LIE.

    Months later still trying to deal with them, they “had no records of me” on file, despite the fact that I have been communicating with them for months. They purposefully play dumb in hopes that people will tire of dealing with their incompetence.

    RESPONSE FROM SEVEN CORNERS

    Dear Justin,

    I reviewed the notes regarding your file. Currently, we do not have any claims on file for a shoulder condition. We do have claims for an alternate condition, however, we are still awaiting copies of your passport and a signed proof of loss form. These are required documents we must have to process your claim.

    All of this documentation may be submitted to claims@sevencorners.com

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

44. Roy Babco | Jan 25, 2011

    Worst insurance scam. Bought $50,000 coverage for my visit to the US. Fell sick and was in the hospital. The hospital and doctor’s bills came to $42,000. They only paid $3,300.Don’t ever use 7 Corners. They will not honor their insurance agreement.

    RESPONSE FROM SEVEN CORNERS

    Dear Roy,

    I searched our database for your name and email address and could not find a policy for you in our system. I would be happy to assist you. Please feel free to send me an email, or contact me at your convenience.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

    2nd Response from Seven Corners regarding Mr. Babco

    Mr. Babco contacted me this morning, and I did have Mr. Babco’s family member’s claims reviewed and audited by a claims supervisor. Everything was paid out per the limits of the policy. Over $5,600 was paid for the filed claims. The plan he purchased is a limited benefit plan, and only pays a set amount per procedure. Any charges above the scheduled amount are not payable by the insurance plan. These plans are less expensive because they only cover a limited amount per procedure. For example, if I bought a $50,000 per injury/per illness plan there are limits per procedure. See sample below:

    

    If I fell and broke my hip and needed a $5,000 surgery, the insurance plan will only pay $2,750 for that surgery. I would be responsible the difference of $2,250. For someone Age 70-74 this plan would cost $74 a month, and Age 75-79, $82 a month. It is very important to understand the difference between a URC plan and a scheduled benefit plan. URC plans cost more on the front end, but in the event of an eligible claim there is a smaller financial responsibility required from the insured. A URC $50,000 plan for someone age 70-79, $250 deductible costs $246 a month. Scheduled benefit plans cost less to purchase, but as they only pay a certain amount per procedure, you may have a higher out-of-pocket responsibility depending on what happens, which unfortunately is the case with Mr. Babco’s situation. If you have any questions as to what plan is right for you, please give our Customer Service Department a call. We are open 8:00 AM-5:00 PM EST.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

45. Larry | Jan 29, 2011

    Larry | Jan 29, 2011

    http://www.sevencorners.com
    The absolute best travel insurer in the business, wide range of plans, fast fair claims settlement, AMAZING emergency support staff. I have used them for eight years, have received over $100,000 in benefits ….they even wrote a custom policy for my scuba diving shop,www.dive-condao.com…. buy today, dive tomorrow. The only one in the industry providing coverage for travelers from all countries.

46. Larry | Jan 29, 2011

    Wow…
    I just took the time to read all of the posts….
    I stand ABSOLUTELY by my opinion of Seven corners.
    They insure me, my wife, my staff, my customers.
    The ONLY THING they have not paid in three evacuations, and four other hospitalizations totaling massive amounts of money has been one bill for .63 cents as they do not pay claims less then a dollar. You people who are complaining are not reading the fine print, as a consumer that is your RESPONSIBILITY ! Whenever I have had a question, a proper answer was a phone call away. Followed up by an email, to confirm the details of the conversation.
    Their Travel Assist people are FIRST CLASS, going so far as to call my family every twenty minutes to inform them I was going into surgery. They proactively called me all most daily while in the hospital to see if everything was okay

    Response from Seven Corners

    Dear Larry,

    Thank you for posting your positive experience with Seven Corners. We are glad that we were able to service you in your time of need.
    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

    In point of fact I have received so much in inpatient benefits this year alone that it will pay for my insurance for the next three or more years.

    Have a read of the fine print of many other insurers….Seven corners is quite liberal in regard to pre-existing conditions, their coverage….those of you who are complaining need to take some responsibility for your selves !

47. Roy Babco | Jan 31, 2011

    Roy Babco | Jan 25, 2011

    Worst insurance scam. Bought $50,000 coverage for my visit to the US. Fell sick and was in the hospital. The hospital and doctor’s bills came to $42,000. They only paid $3,300.Don’t ever use 7 Corners. They will not honor their insurance agreement.

    Roy Babco | Jan 25, 2011

    So that is how Seven Corners makes its money. It claims you bought a poor policy with limited coverage. They have so many limitations within sub limitations, that it is impossible to get any actual coverage. The total hospital bill came to $46,200 and they covered $5,600, so I am out of pocket $40,600. They only pay $250 for an emergency room case with all the tests and emergency procedures, (the hospital billed close to $15,540), they only pay $55 for a doctor’s visit (every heard of a doctor making calls for that much?) (the hospital charges close to $600 per specialist visit). I’m very upset and disappointed thinking I had $50,000 in medical coverage. I learnt my lesson by using Seven Corners. Be forewarned, their policies are worthless.

    Response from Seven Corners

    Dear Mr. Babco,

    Your claim that Seven Corners does not honor our insurance agreements is untrue. As I have tried to explain in all of my responses, unfortunately travel and visitor’s insurance cannot possibly cover everything. If we covered everything, consumers would not be able to afford the coverage. What we try to do, is provide you with options:

    Option A URC (Usual, Reasonable, and Customary)-More comprehensive coverage for new accidents, and new illnesses. Comprehensive covers more, so it is more expensive to purchase.

    Option B Scheduled Benefits-These plans will only pay out to the amounts posted in the policy. They cost less, because they provide limited coverage.

    Some consumers want to pay less premium, and are willing to take the risk of paying more out of their pocket, in the event of an eligible claim.
    Other consumers wish to pay more premium, so in the event of an eligible claim, they will have a smaller financial responsibility.

    We post all of our wording and policy languages, upfront, prior to purchase. If you research other travel and visitor’s insurance plans, you will see that we are all offering the same types of options. Seven Corners is one of the few companies that publishes all of their documentation, at all times. Seven Corners allows you to chose what you feel is best for you. If you do not understand the wording, we encourage you to please call.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

48. Ray | Feb 12, 2011

    My luggage was lost, and recieved a claim number from South African Airlines. I submitted for claim and after 5 months, with dozens of calls to agents that lost the file etc, we got a letter of “file closed for lack of response”. We called to ask what was the problem and a) they never called to tell us the airline had not responded and b) the agent went to EXPEDIA to look for my itinerary instead of the airline-how stupid can you be- how on earth can they find my itinerary when they don’t even know my password.
    They are lousy, and would advise you avoid them, You pay for insurance and never really know how poorly they handle things until you make a claim, its basically the same as having no insurance at all!

    Response from Seven Corners

    Dear Ray,

    You should have received an email from one of our claim supervisors earlier today. She researched the file, and we sent three requests, both to you and South African Airways, since November. We do need information from the airline recognizing they did lose your bag, and if you received any compensation. This is required by the insurance company, in order to pay your claim. As far as the reference to Expedia, that does appear to be an error on our part. I apologize on behalf of Seven Corners for that mistake. At this time, please send the needed information which was requested of you, today via email from Sureleen Stage. If I can assist you further, please let me know.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

49. R Tovell | Feb 26, 2011

    Seven Corners insurance are utterly useless. After sustaining an injury last year I was taken to hospital and received some treatment. I submitted the paperwork three times by email over a course of six weeks and only after the third attempt did this pointless insurance company respond to confirm that they had received the documentation.

    I returned to the UK in December 2010 and requested they contact me at my UK address as it is somewhat difficult to read post across the Atlantic. Despite this request, the company proved themselves to be far too cheap to actually respond to my UK address. I have therefore had to have the mail forwarded to me by email. The company simply dismissed any claim out of hand, offering no justification for rejection and just listing the costs and stating “your policy does not cover this”. Well, having looked at my policy I was of the understanding (my basic grasp of the English language obviously not being sufficient to translate the tripe in a Seven Corners policy document) that I was indeed covered for an injury sustained on US soil.

    Would I recommend Seven Corners? No. I telephoned them twice to: a) let them know a claim would be forthcoming and b) enquire as to the status of my claim. Both times I was spoken to like a grade A idiot by their less than complimentary staff. The pitiful response to my claim, both in terms of time and substance only serves to highlight how lazy and incompetent this joke of an insurance company is.

    Even if I prove to be unsuccessful with my claim, the sheer lack of respect and effort they demonstrate when processing and responding to a claim for an “insured” person is, I feel, sufficient to back up my opinion fully.

50. R Tovell | Feb 26, 2011

    For the record also:

    1) The people that post positive comments on here are very likely to be employed by Seven Corners to do so.

    2) There is nothing funnier than Suzanne Munson’s responses to people’s praise. I believe they should read a little more like this:

    “Dear Colleague,

    Thank you ever so much for taking the time to respond to my email earlier requesting you go onto an internet forum and publish positive comments about Seven Corners insurance. As an employee of the company, it is essential that you help to preserve the free spirit of these forums by falsely claiming to have had a wonderful time with Seven Corners. The fact that they not only paid every cost promptly and efficiently but also sent you a seven foot high birthday cake with your name in multi-coloured icing will surely persuade everyone that we are wonderful.

    Thanks again (wink wink) – I’ll buy you a coffee at lunch.

    Suzanne Mason”

    Response from Seven Corners

    Dear R Tovell,

    After reviewing your post, I was able to find you in our system and sent an email to our claims supervisors for a status update. It does appear that we finally received the required documentation to process your claim. Unfortunately, because of the circumstances surrounding your injury which are excluded in the policy, these claims are not payable. If those circumstances were not involved, then they would indeed be payable claims.

    My purpose for posting to this site, is to provide whatever assistance I can, in any process. For the record: There are no falsified posts from any of my colleagues, family members, friends, acquaintances, etc. The positive posts are from real Seven Corners policyholders, with real experiences. If I can be of further assistance, please let me know.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

51. R Tovell | Mar 3, 2011

    Suzanne,

    In response to your message, I have tried on a number of occasions to engage with Seven Corners regarding the status of my claim. Emails are either lost, deleted or simply ignored and it is only through forums like this, where frustrated claimants come to express their issues, that you seem to respond. I have sent you a direct email today to query exactly where in the policy wording and how my claim is discounted. I would be grateful if you would respond to me directly at your earliest convenience.

    I take issue with your comment that “we finally received your documentation” as I emailed it three times over a period of six weeks, firstly in December almost straight away (I received an automated confirmation message too so I know it got there) after I was forwarded the documentation from my friend in the USA, and then twice thereafter when requesting confirmation it had been received. I have also emailed Seven Corners various department email addresses no less than three times this week to request further explanation as to why my claim was rejected and received no response. This shows me that Seven Corners are far more interested in protecting their reputation online (hence your response through this forum) than actually dealing with a customer’s query.

    Your staff on the telephone were also unhelpful and unfriendly, and quite frankly incompetent when I did speak to them. I would rather not have to resort to these measures to resolve a basic information request but it seems very apparent to me that there is little other way of doing so. I will happily provide yet another update on here should I receive a personal email from you confirming that you did indeed reply with the relevant info; whether this actually happens to be the case is of course another matter.

    As for your insistence that satisfied people go to the trouble of looking up a forum for a company simply to lavish it with praise, I am again cynical to say the very least.

    I await your reply.

    R Tovell

52. R Tovell | Mar 3, 2011

    …since we are engaging only through this public forum, possibly you would also be so kind as to clarify exactly why your company ignored my request to be contacted at my UK address or by email? It’s far more hassle having to read everything scanned and sent through by email from my friend in the USA – is it Seven Corners policy not to update their systems with record changes?

53. R Tovell | Mar 7, 2011

    Just to provide yet another update on this – as many of the people below request complainants to – I have communicated with Suzanne Munson and have been asked to submit written confirmation to change my details (as the account was originally opened under another email address and therefore, under HIPPA, she is not allowed to confirm anything for me) – I shall do this today.

    I received a response to my original email requesting more information from the assist@sevencorners.com. To put this into context, here is the email I sent:

    “Hello,

    I notice that my claim has been dismissed out of hand; I had the documents forwarded to me from the US by a family friend despite specifically requesting they be sent to my UK address as I am no longer in the country.

    Are you able to advise why please?

    R Tovell”

    I asked two things: why has my claim been rejected and why did you send documentation to a US address when I asked you not to?

    The response failed to answer either of these questions:

    “Hello R Tovell,

    The claims were denied for “YOUR PLAN EXCLUDES COVERAGE FOR THIS DIAGNOSIS/ TREATMENT”. I’ve attached all of the Explanation of Benefits letters (EOBs) to this message.

    I can assure you that the Claims Department did review your claims documents, and then only did they reach that decision. If you disagree with the decision they’ve made, your next course of action is to submit a Letter of Appeal in to them for review of the claims. You may mail, fax (317-575-2256, Attn: Claims) or scan & e-mail (claims@sevencorners.com). Upon receipt of the Appeal, the file would be pulled & the case re-examined.

    Regards,

    International Assistance Coordinator
    Seven Corners Assist”

    - The documentation I received from Seven Corners came in the form of a number of “explanation of benefits” letters which simply explained, as the intelligent and well read staff member pointed out “YOUR PLAN EXCLUDES COVERAGE FOR THIS DIAGNOSIS/ TREATMENT”. Obviously, since I didn’t specifically word my email to request an explanation as to why my plan excludes coverage for this treatment, it makes sense that Seven Corners simply reiterate what their incredibly vague documentation states. I have therefore replied with a quite frankly sarcastic email to request further information – I offer no apology for my tone as my dealings with this company have left an incredibly sour taste in my mouth.

    The staff member also failed to respond at all to my request for information as to why they did not contact me at the address provided on the claim form, or the email address provided on the claim form, instead choosing to send the documentation to a US address at which I no longer reside.

    The fact that this incompetent staff member could also a) respond to the email address that I submitted the claim form from (remember, S Munson told me that, under HIPPA she could not discuss my claim with me as the email address is different from the original) and b) attach claim documentation to the email, proves to me that Seven Corners operate in a way that provides maximum irritation to a claimant in the hope that they will no doubt give up.

    I offer this update to show that either S Munson is wrong or the staff member from the assist@sevencorners.com email address is wrong with respect to data protection laws offered by HIPPA. The fact that I have to submit an appeal letter without any information as to why my claim was rejected in the first place is nothing short of stupid. How can I appeal against something when I don’t know why it happened?

    Of course, I will no doubt be told something different but I have done nothing wrong in this situation. Seven Corners….the ball is firmly in your court.

    Response from Seven Corners

    Dear R Tovell,

    I did respond to your email on 3/3/2011. I received it at 11:25 AM EST, and I responded at 12:53 PM EST. I am resending the email again this morning. Please check your junk or spam folder.

    Because of HIPAA, Health Insurance Portability and Accountability Act, I cannot post the specific circumstances surrounding your injury. It would be illegal for me to disclose any portion of your Protected Health Information. If you wish to file an appeal, we must have it in writing. To submit a Letter of Appeal for review of the claims: You may mail, fax (317-575-2256, Attn: Claims) or scan & e-mail (claims@sevencorners.com). Upon receipt of the Appeal, the file would be pulled & the case re- examined.

    In reference to my documentation comment: On 12/9/2010, we sent out a letter to you requesting passport information and a signed proof of loss (claim) form. Your passport information was received on 1/31/2011, acknowledged via email on 2/1/2011, and placed into the system on 2/3/2011. As far as the two previous submissions, I have reached out to the data entry area of our claims department to look into this issue. If you could forward those on to me, that would assist in my search.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

    2nd Response from Seven Corners

    Dear R Tovell,

    Looking through the notes, we have an email from you on January 31st, stating your preferred method of contact was email. You did include your UK address, but you did not specify that mail correspondence should be sent to you in the UK. You originally entered a US address as your correspondence address. We always follow the correspondence of the initial purchase, unless you would state otherwise. If I can be of futher assistance, please let me know.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

54. R Tovell | Mar 8, 2011

    Ms Munson,

    I did indeed receive your two emails regarding the need for me to appeal a decision; are you able to explain why, without any appeal form whatsoever, one of your colleagues was (eventually) able to provide me with the information I requested regarding the rejection of my claim, to the different email address? Either you or your colleague is breaking HIPPA protocol so I would suggest you approach them to instruct them as to the correct way to deal with this kind of query.

    I have to agree that, looking back, I didn’t specifically state that I wished to be contacted at my UK address – as you say, my preferred method of contact was email although I don’t recall receiving any confirmation by email either. I did state my “current residence” and “permanent residence” were both in London and that I was now back in the UK on the claim form; I would have thought it only obvious that I wished to be contacted there.

    I have submitted my appeal form to Seven Corners today.

    May I just praise your prompt and professional responses Ms Munson; you are certainly presenting Seven Corners in a far better light than anyone else I have dealt with to date.

    Thanks,

    R Tovell

55. Ray | Mar 11, 2011

    Wow – after 5 months, and only getting a response after publishing, they denied my request for $60 to cover me for 1 day while my lost luggage was returned because I eventually got my luggage back. Thank god I found out that they do no pay out claims before something serious happened. I could only imagine if I actually got sick, my advice, if you buy insurance from Seven Corners, you better have a good credit line on your house!
    The worse service ever! If not for the principle of the thing, we would have given up long ago, I think we wasted 60 hours of back and forth including forcing us to get basically copies of emails from South Africa Airline, then repeating the story all over again as we bounced from agent to agent.
    Gawd, even after they replied to my orignal post, the “customer service contact” on this website immediately shoves us off to another lousy agent.

    Run AWAY from these guys!!

    Response from Seven Corners

    Dear Ray,

    As I am not in claims, I had to pass you to a different department. The policy you purchased is for travel medical coverage, towards new accidents and new illnesses. It does have an additional lost luggage benefit, not a baggage delay, which is unfortunately why there were no benefits on your plan. If your bags had been lost completely by the airline, there is a $250 benefit, with a limit of $50 per article. Our Trip Cancellation programs do have Baggage Delay, if your bags are lost for over 24 hours. I wish it was a more favorable outcome.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

56. Benny | Mar 14, 2011

    I bought insurance from seven corners when my mother in law came to visit us. I have to take her to a hospital on an emergency and they did CT scan. Total bill was $7299 and Seven corners came back and told me they can pay a maximmum of only $325. I tried to cancel the policy immediately and they told since there is a claim, they won’t reimburse any money(Although I asked for reimburse only the future amount).

    RESPONSE FROM SEVEN CORNERS

    Response from Seven Corners

    Dear Benny,

    The policy you purchased is a scheduled benefit plan, which only pays up to the stated limit in the policy. Unfortunately, as you can see in the chart below the emergency room benefit is a maximum of $325 per injury or illness, which is what was paid out for your mother-in-law’s claim.

    If you have any further questions, please feel free to contact me.
    

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

57. Jeff | Mar 14, 2011

    Well, this board has been a disappointment to have read, but informative. I need travel insurance for my upcoming Asia trip at the end of April, did quotes on various travel insurance websites, and found interest in Seven Corners insurance policies (specifically their “Roundtrip” policy w/ $50,000 medical $350,000 emergency evac, but all those costs are probably broken down to a per-day basis (i.e. $1,050 for emergency room, per procedure, etc, seems absurd to me…..having read a certain customer’s case in the above posts……..)) but this looks like a company to steer clear of for sure.

    Response from Seven Corners

    Dear Jeff,

    RoundTrip is not a scheduled benefit policy, and does not have per-day limitations for hospital room and board. We have two choices of coverage- RoundTrip and RoundTrip Choice. We just released our 2011 update last week, and the medical maximums have been upgraded to $75,000 and $150,000 respectively.

    RoundTrip is a trip cancellation/interruption policy, designed to protect your non-refundable trip costs in the event of an eligible cancellation/interruption. There are 12 different reasons that you could cancel/interrupt your trip, and receive reimbursement. If you purchase the insurance within 10 days of your initial trip deposit, which is the first day any payment has been applied towards your trip, you can purchase an upgrade option called Cancel For Any Reason.

    I would be happy to explain the program in further detail. Please feel free to contact me at your earliest convenience.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

58. Philippe Jeanty, MD, PhD | Mar 23, 2011

    She required an Eye visit. Claims for the eye visit and medications were both denied.
    After 6 months we attempted to cancel the insurance and recover the unused portion. In spite of not having paid anything, SC claimed that the mere fact that a claim had been placed meant that the insurance was no longer refundable.

    Bottom-line: claims were not paid, the insurance cannot be refunded: stay away from this company

    Response from Seven Corners

    Dear Philippe Jeanty, MD, PhD,

    I tried to find a policy attached to your email address and could not find one in our system. Please note, our programs are not intended to be general health insurance policies. They are designed to cover new illnesses and new accidents/injuries, while you are traveling away from your home country. Eye care or eye–related expenses are excluded, unless caused by an Accidental bodily injury. If you could email the certificate number, or give me a call, I would be happy to look into your claim.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

59. Sach | Mar 31, 2011

    I’m not buying from these guys. So many people wont lie. Now who is least worst of them all?

60. CK | Apr 1, 2011

    There should definately be a negative rating (one seems too generous) for this company. Alas I join the ranks of other disappointed costumers below. I have bought insurance for my mother from this company for a very long time and never had a claim. Alas the only one time last september 2010 my mother unfortunately got hospitalized and was in the ICU in Hong Kong, as predicted they denied the claim. For the sake of brevity I will not go into details besides the fact that throughout the process their customer service was atrocious. You immediately get the feeling right from the beginning of the claim process that this outfit had no intention of paying up. Upon persisiting through endless proof of bills/travel etc the final denial letter after 3 months stated that since she had visited her home country from the USA before entering Hong Kong they would deny the claim. Explanations such as the impossibility of obtaining a chinese visa by an Indian national from the USA fell on deaf ears. Ofcourse when I had called customer service prior to her travel to extend her insurance stating these facts there were no problems. My appeal for the last 3 months have gone unanswered.

    My only suggestion is BEWARE and if you have no choice read the policy with a fine toothed comb or else you would end up as one more statistc on this list.

    Response from Seven Corners

    Dear CK,

    I followed up with our claims department last week regarding your appeal. Please note that we have also received your DOI and BBB complaint. We will be responding accordingly to those two entities, via their approved channels.
    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

61. MR | Apr 9, 2011

    I’ve read all the comments and, fully warned, have decided to buy a policy for a forthcoming trip to Europe. Why? Primarily because Seven Corners seems to have gone out of its way (at least Curt Carlson and Suzanne Munson have) to respond to each posted complaint. This suggests that problems can be resolved with a little good will on both sides. We’ll see.

62. Larry | Apr 9, 2011

    Dear R Tovell…
    Very nice, if you have an issue with Seven corners, address it to them, as I see you have done and they are responding. Drag me into it as a liar and a paid shill ? Now we have a different story. If I were on the receiving end of your harangues, I would simply hang up on you myself.
    I exist, my business exists…www.dive-condao.com.
    I have been so pleased with the quality of service provided by Seven corners over YEARS that I chose them to underwrite a policy to cover my customers whose safety and security is my number one concern.
    I will restate….The simple fact is the vast majority of these complaints are a result of peoples failure to read the policies, which are quite clearly worded and questions are answered on the phone immediately. In the case of one vague issue in my coverage I have received both an email response as well as a written letter of confirmation of coverage….See I took the time to READ the policy.

    Your comment below is, how do you say it ? Tripe ?
    “Dear Colleague,

    Thank you ever so much for taking the time to respond to my email earlier requesting you go onto an internet forum and publish positive comments about Seven Corners insurance. As an employee of the company, it is essential that you help to preserve the free spirit of these forums by falsely claiming to have had a wonderful time with Seven Corners. The fact that they not only paid every cost promptly and efficiently but also sent you a seven foot high birthday cake with your name in multi-coloured icing will surely persuade everyone that we are wonderful.

    Thanks again (wink wink) – I’ll buy you a coffee at lunch.

    Suzanne Mason”

63. R Tovell | Apr 13, 2011

    Dear Larry,

    It’s great to see that you will go to such extensive lengths to defend an insurance company. Did they agree to underwrite your insurance at a discount after you had praised them so much? My point is that I find it hard to believe that a person running a busy and successful business such as yourself would take such time and effort to so vehemently deny that you were not under their employ? Call me a cynic but I have rarely, if ever, seen someone go to such lengths! Were you so orgasmically delighted with this insurance company that you searched for an independent reviews website to wax lyrical about them?

    As it stands, I did read my policy. I was complaining about the fact that, despite submitting documentation to Seven Corners on a number of occasions, it only mysteriously reached them the third time. I was displeased with the service I had received and found a forum through which to vent said displeasure. My case, which is still under final appeal is yet to be resolved and the outcome of the appeal is neither here nor there.

    I run my own business and, whilst I have contacted companies directly in the past to compliment them, I have never spent time scouring the internet to find forums where I can post this praise. Whether or not your business exists is of no concern to me; maybe you should get to tending to your customers before leaping to the defence of Seven Corners Insurance (if you hadn’t of noticed, they are doing a pretty good job of it themselves, something which I have praised in my later comments). I did not single you out specifically, just voiced some sarcastic criticism in my frustration, but it’s great to see that you take the time and effort to ensure your reputation as a professional “insurance company review internet notice board defender” comes before that of a businessman.

64. R Tovell | Apr 13, 2011

    Is your insurance company’s reputation being sullied on an internet message board by rogue posters?

    If so, you might want to contact Larry The Douche, Insurance Company Defender Supreme! Says Larry: “I’m positively sayin, if you’re positively payin’”!

    Although, don’t drag Larry’s reputation through the mud too or he might just have a go at you!

    Larry The Douche…….he’ll cycle the world and back to defend you’re company’s reputation!

65. Nanda Kumar | May 5, 2011

    I have purchased the Seven corners insurence ID (10VN10-23909 )for Mother in law by paying big amout of 751 $ for 6 months with 100 $ deductible , Our Mother in law visited physican (which was in network) for common cold , cough, body ache and fever and our doctor has submitted claim, seven corner just denied mentioning its routine checks are not covered and doctor also prescribed for Vitamin D test , I I have submitted my claims for lab test almost 3-4 weeks back and when I called today, they mentioned still in the review and it wont be covered, If common cold and fever and basic lab tests are not covered in this policy what they will cover , just you people can imagine.
    After paying big amount (750$) , I have paid doctor fees 200 $ since seven cornors denied it and Lab bill is around 300 $. Dont ever fall for this cheap insurence company, this guys are looting your money.. think 100 times before you buy insurence from seven corners.

    Nanda Kumar (nandakm_usa@yahoo.com)

    Dear Nanda Kumar,

    I have sent your Mother’s ID # on to one of our claims supervisors and they are reviewing her claim. I will respond back with further detail as soon as it is available.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

    Response from Seven Corners

    Dear Nanda Kumar,

    The information we received from your mother in law’s doctor was coded as preventative/routine. Routine/preventative services are not covered under this policy. If the submitted diagnosis is incorrect, please have her physician resubmit the charges appropriately and include medical records. If you have any questions, please let me know.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

66. Somitra | May 10, 2011

    Seven Corner Travel Insurance is a SCAM…Don’t ever buy it.

    I bought insurance for my mother visiting from India. Based on advise that you should buy a more comprehensive travel insurance (instead of the cheapo..travel coverage) I bought the Seven Corners Laision International coverage and paid top dollar for several months. My mother had a genuine emergency – when she collapsed in a restaurant and was taken to the hospital emergency room. Seven Corners will drag on the claims for months…hoping you will fall out of the system, while they keep looking for any possible way for exclusions to justify a pre-existing condition. Even the Washington hospital staff confirmed this…that based on their experience of several claims..Seven Corners will never pay and always find some excuse to justify pre-existing condition, drag the process on and on till the traveller leaves the country.

    I paid them several thousand $$$ in premiums and got a “BIG ZERO” in coverage for the genuine emergency situation. Why do you buy insurance? It is for these emergencies. Don’t waste your hard earned money on these cheats…they are a SCAM. I am going to the Dept. of Insurance – People Advocacy and the local Senator’s Office to report this on-going SEVEN CORNERS scam. I will also post this on all travel insurance review sites. You should do the same to stop this cheating.

    RESPONSE FROM SEVEN CORNERS

    Dear Somitra,

    I tried to research your mother’s policy based on your email address, and was unable to find anything. I would be happy to provide further detail, once we have a chance to look into her claim. Please feel free to contact me at your convenience.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

67. Sathiya Deva | May 14, 2011

    I see lot of complaints about “Seven Corners”. I thought of buying insurance for parents visit to US. I request everyone to file compliant with state Insurance Commissioners office.

    It may, or may not, produce the results that you’re looking for, at least it means that your insurance company will have to explain how they decided what they decided – to someone else that understands their lingo. It is responsible thing to do. The more we complain, either they will go out of business or act responsibly.

    Please go to and do the required complaints
    http://www.naic.org/state_web_map.htm

    Read more: How to File an Insurance Complaint | eHow.com http://www.ehow.com/how_2172156_file-insurance-complaint.html#ixzz1MLnTzOmV

68. nir | May 21, 2011

    Even after reading all the scary reviews I made a choice to purchase The Inbound Guest policy for my Mom visiting next week.
    The ONLY reason was a very proactive customer service approach and responses by Susan and others from Seven Corners. I hope I am not disappointed !
    I will update you all with my experiences over next few weeks/months.

    BTW I am not a Seven Corner employee. I am just a common person going in with the faith that the company that proactively tries to address every dissatisfied customer’s concern should have good ethics and claims process in place.

    Response from Seven Corners

    Dear Nir,

    Thank you for instilling your faith in Seven Corners. I hope your mother’s visit is a good one. If you should need anything, please do not hesitate to give me a call. In the event your mother needs medical attention, please call the 24/7 emergency assistance line which is 1-800-690-6295. If you are calling for coverage or benefit questions, the number is 1-800-335-0477.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

69. Nanda Kumar | May 23, 2011

    This is in reply to Suzzane about my insurence with Seven corners insurence ID (10VN10-23909).

    Suzzane and her staff Laura Holm (claims analyst ) helped to resolve the billing issue that was happened due to wrong billing code from doctor office ,our doctor office staff did not used proper billing code while claiming the bill, Laura talked our doctor office and gudied her to use the proper billing code that resolved the issue and that also helped us lab corp bill (296$) .Seven corners promised that will pay the full bill (296 $ and 205 $) to both Labcorp and doctor office.

    I really appericiate seven corner staff (especially Suzzane and Laura) for reslovling this issue.

    I recommend seven corners, and If you have any issue please talk to directly to Suzzane , she will make sure that you will be benefitted.

    Thanks again
    Nanda Kumar

70. Chris | May 23, 2011

    My experience with 7Corners is this: I purchased Inbound Immigrant insurance in 2008 for my mother in law. She had a few doctors appointments and to their credit they paid but usually months late. Then in June of 2010 my mother in law required a series of steroid injections for her knees. 5 months later it was determined that the doctors office and 7 corners were waiting on each other to get the medical records. That was eventually resolved then they sent me 2 sets of claims forms that I mailed to them. Then more importantly they have been dragging on for the last 7 months regarding obtaining a copy of my mother in laws passport with the ‘required entry and exit stamps’. They havent even processes her claim yet. I have posted them (never received), faxed them twice and confirmed that they were received by the operator. They then said that they couldnt read them in the fax after they said they could. Then I scanned her ENTIRE PASSPORT to them and they said that they will now need a copy of her incoming flight even though they passport stamps are there as plain as day. They even emailed me stating that they received the passport and everything looked OK. I have also called and left messages and no one has returned my calls. It has becoming a running joke with my wife as to what other ‘technicality’ 7Corners will come up with next to not get the required information (ie the passport stamps) before they get to denying the claim. The kicker is that I am a physician and deal with insurances every day!!! I plan on calling Suzanne tomorrow. If this is resolved then I will gladly post a positive update otherwise I would recommend saving every email, letter, and piece of paper that you can in dealing with this company.

    Response from Seven Corners

    Dear Chris,

    Thank you for calling me this morning. As I confirmed with you over the phone, I did receive the passport copies you sent via email and I have forwarded those on to our Claims Director. He will be assigning someone to investigate your mother-in-law’s claim. I hope to be able to call you later today with a status report. Worst case scenario, it will be sometime tomorrow.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

    2nd response from Seven Corners

    Dear Chris,

    As we discussed on the phone, the disconnect regarding your mother-in-law’s passport came from our data entry area in our claims department. We have an email ticketing system which multiple personnel work from. Previously, this system did have a size limitation for attachments, which is why you were asked to send the passport scans in multiple emails. It was at this point communication broke down on our end. Personnel A worked on Email #1, Personnel B worked on Email #2, etc. and we did not collaborate the different pieces that were received. This is why we requested you send the passport numerous times. The attachment size issue has been rectified, and we are investigating other software in effort to meet our collaboration needs.

    Your mother-in-law’s claims are being processed for payment. You should expect payment within the next week to 10 days.

    I apologize for the frustration your family has endured and length of time it took to resolve this situation. Thank you for bringing this to my attention, so that we may improve our processes. If you should need anything else, please let me know.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

71. Krishna Mohan Pendurty | May 24, 2011

    Stay away from this insurance company. I purchased an inbound immigrant policy from this company last December (2010). Claims processing is extremely slow and they are requesting medical records from my home country (India) although I spent majority of the time in US for the past ten years and with zero history of insurance claims in the US. I have provided them with other insuance company I have used in the past but they have been sitting on my claim for 6 months now with this pretext and refuse to make a final settlement on my claims with out home countrty records. I am extremely unhappy this company and it’s claims processing department. Obvously I should have read these reviews first before purchasing this insurance.

    Response from Seven Corners

    Dear Krishna Mohan Pendurty,

    I returned your call this morning. Thank you for leaving your certificate number on my voice mail. I have already sent an email to our Claims Supervisor. The file is being pulled for review.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

    2nd Response from Seven Corners

    Dear Krishna Mohan Pendurty,

    Your claims are being processed for payment based on the benefit limits in your policy. Due to previous history which was reported in your medical records, we are obligated by our contract with our underwriters to investigate records from your home country. We were finally able to retrieve those records on May 5th. If you have any further questions, please let me know.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

72. Swami | Jun 2, 2011

    Thanks for all the comments about this company. I was just about to sign up with the insurance and will certainly stay away from headaches of fighting for reimbursements. Please keep posting all your bad experiences, it will certainly help thousands of travelers and will make their trip much better.

    Response from Seven Corners

    Dear Swami,

    As with any company or business, there are certain requirements which must be followed when doing business. Our company is no exception. The insurance companies we represent require us to request certain documentation in order to pay claims. We have had several scenarios on this blog where many positive resolutions have come out of our client’s feedback or concerns, once I was able to investigate the situation. The unfortunate part of this blog is that it is not a true reflection of Seven Corners’ happy customers. During the month of May, Seven Corners provided coverage for over 20,000 new travelers. So the percentage of unhappy customers vs. happy customers is less than .0035%. Hopefully this will help put things in perspective for you and fellow readers.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

73. Somitra | Jun 7, 2011

    As you can see so many people through their own experiences have figured out Seven Corners travel insurance is a SCAM…they are a FRAUD. Do you need more proof than the postings here? I agree with Sathiya Deva’s posting (May 14th) – make sure you report them to the State Insurance Commissioner – so that these guys are not allowed to do business in your State and cheat other people. I have already contacted the State Insurance Commissioner and also the local Senators office to bring this SCAM to their attention.

    Please go to and do the required complaints
    http://www.naic.org/state_web_map.htm

    Read more: How to File an Insurance Complaint | eHow.com http://www.ehow.com/how_2172156_file-insurance-complaint.html#ixzz1MLnTzOmV

    Ms. Suzzane Munson – Thank you for responding to my earlier post. But as I can see from your responses – I don’t believe you are able to do anything beyond reiterating the company line…and provide same explanations/excuses. I have already submitted an appeal for my genuine emergency room visit along with additional evidence from my primary care physician (Claim # 1905878). If the opinion of the primary care physician (Doctor) who knows the medical history and the episode means something to you – Seven Corners you should go ahead and pay the claim. However, as the Washinton Hospital staff already told me your company has a track record of not paying legitimate medical claims, using delay tactics and coming up with pre-existing condition as an excuse – I am not holding my breadth and have brought this to the attention of all regulatory agencies so that Seven Corners and your underwriters Nationwide cannot cheat other hard earning individuals. I bought this insurance for a real emeregency and when my mother had a real emergency (collapsed in a restarant after dinner and was take to the ER by the paramedics), your company is not holding their end of the bargain. THIS IS CALLED CHEATING. YOU ARE RUNNING A SCAM AND CHEATING PEOPLE.

    Dear Somitra,

    We have received records from your mother’s physician showing she was seen for treatment 4 days prior to this policy’s start date. I received your email this morning, and I will be sending you a release form shortly. This will allow us to discuss your mother’s specific health information, once we receive her permission to do so. Feel free to contact me with any questions.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

    2nd Response from Seven Corners

    Dear Somitra,

    We received an additional letter from your mother’s physician on June 7th, 2011. With this new medical information, we are able to determine these claims are payable. You should expect payment in 7-10 business days.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

74. Yasmine | Jun 9, 2011

    Seven Corners have not paid out a claim I made for a dental emergency in March – do not trust them – they just keep sending me emails saying they will respond in seven days and nothing happens.This has gone on for so Iong they obviously want me to just give up.I’m warning all my university friends who are young travellers like me that they should not insure with Seven Corners.

    Response from Seven Corners

    Dear Yasmine,

    I was unable to find you in our system based off of your email address. I would be happy to investigate your claim. Please feel free to contact me.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

75. Princess | Jul 3, 2011

    Same story as all of you. I would gladly join a class action lawsuit against this company.

    Response from Seven Corners

    Dear Princess,

    As you are aware Seven Corners is the administrator for the AmeriCorps Health Benefit under which you have coverage. The Benefit Plan is a federal self-funded health benefit paid with funds appropriated by Congress , the health benefit is not insurance, it is a limited self-funded health benefit. There is no insurance company involved in the plan and Seven Corners does not collect premiums or perform insurance related activities.

    As a candidate for the AmeriCorps VISTA program you were required to read and sign the “Terms Conditions and Benefits” apprising you of the limitations for pre-existing conditions and directing you to the web site containing the Member Health Care Guide .This is required of all candidates before they are allowed to take the oath of office.

    In accordance with the pre-existing condition exclusion under the plan, ( “AmeriCorps does not provide benefits for any diagnosis that is considered a pre-existing condition . A pre-existing condition is any condition or illness for which medical treatment was given, or a diagnosis was made on or before the effective date of coverage. “), your claims were reviewed to determine if your current treatment / services were for a diagnosis that is pre-existing. Information was requested from providers and after a complete review of the records and information submitted by the providers we denied these claims as claims for a pre-existing diagnosis excluded under the plan. We have provided you with Explanation of Benefits (EOBS) , available on the MY PLAN web site, detailing these denials as well as responded to your appeal of our denial of these claims by letter dated March 3, 2011 also we corresponded with you by e-mail regarding your concerns and questions.
    Seven Corners makes every effort to treat all AmeriCorps Health Benefit covered persons fairly and to process claims according to the terms of the plan including applicable exclusions . It is understandable that people get upset when their claims are not paid but fairness requires that we treat all covered persons equally .

    As Seven Corners is contractually obligated we have paid your claims that are covered under the AmeriCorps Health Benefit and we have denied your claims for pre-existing conditions that are excluded under the plan. If I can be of further assistance, please let me know.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

76. D.S.H. | Jul 14, 2011

    My first experience with Seven Corners was on a trip to Peru in 2010. Thank god I purchased this insurance. I became extremely ill over there due to dehydration, a bacterial infection and altitude sickness. I ended up having to be taken to a medical clinic while over there where I spent almost 48 hours hooked up to IV’s and taking oral medication. Although I had to pay for these services at the time I was being treated when I returned home I put in a claim and was reimbursed 100% for my medical expenses. Seven Corners was VERY quick to reimburse me. The main thing to remember is that you must supply any insurance company with every single receipt showing what you paid and when you paid it. If you are prepared and have all the necessasry documents to back up your claim they are very quick and attentive. The problem arises (as with any insurance company) if you don’t have the paperwork to back up your claim, so make sure you do. I was extrmely happy with my policy (purchased the Roundtrip policy) and have just purchased another policy for my trip to Morocco in November of this year (2011). Take it from me. You cannot afford to be without it! I am a healthy in-shape person who never thought I’d ever have the need to use the policy but I am now hooked for life and will never travel overseas without this again.

    Dear D.S.H.

    Thank you for posting about your experience as well as commenting on how important it is to obtain copies of all of your receipts. As I have mentioned in previous posts, this is an essential element in claims processing. We are required by our insurance carriers to obtain receipts and medical records in order to pay any claim. We hope you enjoy your trip to Morocco. If I can be of further assistance, please let me know.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

77. Curt | Jul 21, 2011

    I also am taking a very long (expensive), voyage soon. I have looked over most large providers and researched them as well. There is no way in the world I would purchase a policy from this company, however in their defense, Seven Corners is not alone, they fall into a catagory of flashy policy and slow processing of claims. This is common in the industry as I do my research. In life you get what you pay for, and Seven Corners is attractive as their policy rates are cheap, and therefore you get the same in return. This will be my first purchase of any type of travel insurance and I have found that the best bet, and safest, is to go through AAA, you pay a little more but there is total customer satisfaction, and a sense of real protection. They will guide you to the right ploicy, and company for you needs…………….

    Dear Curt,

    In the event you claim on your AAA travel insurance policy, you will be required to produce claim forms, proof of purchase documents, or medical records in the event you seek medical care on your trip. As you noted, this is common practice, regardless of the carrier providing service. Seven Corners is required by their insurance carriers to obtain such documentation, in order to pay a claim. Our customer service department is open from 8:00 am- 5:00 pm EST, Monday-Friday. We encourage anyone to call so we can help you choose a policy that will meet your expectations.
    We wish you safe travels, regardless of where you purchase your protection plan.
    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

78. Victoria | Aug 1, 2011

    We have lived overseas and used a Seven Corners policy for 2 years. We have not had any bad experiences with them and have had everything we have sent in approved and applied to our deductible or received a check for expenses.

    Dear Victoria,

    Thank you for posting about your experience with Seven Corners. If ever you have any questions, or I can assist you in anyway, please let me know.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

79. Almira | Aug 10, 2011

    I wouldn’t recommend it. In most doctors offices they won’t except this insurance because they have cases the insurance company never paid them a cent. I spent next 2 months of my visit sending paper back and fort with the insurance company.
    So I ended up paying everything out of my pocket.

    Better don’t get have any insurance than to get with this company. You have to pay everything out of pocket plus insurance 70$ per month.

    Response from Seven Corners

    Dear Almira,

    I was unable to find you in our system based off of your email address. I would be happy to investigate your claim. Please feel free to contact me.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

80. Andrew | Aug 16, 2011

    I run a mid-sized missionary origination and for several years I have purchased Seven Corners international coverage for every individual I send overseas. I spend thousands of dollars a year in premiums to Seven Corners. We have only ever had one small claim. It was handled to our satisfaction.

    However, after reading all of these reviews I am very concerned about what might happen with future claims, especially if we have an emergency that requires evacuation.

    I am wondering what Seven Corners might say to address the fact that their reviews are overwhelmingly bad and what they might say to convince me not to consider other providers.

    Response from Seven Corners

    Dear Andrew,

    Thank you for your post about Seven Corners, and we do understand your concerns. I feel that majority of the unhappy posts fall into two main categories:

    1. Consumer purchases something without understanding or reading what is/what is not covered.

    Solution: Exclusions and policy limitations are available prior to any purchase. Seven Corners is one of the few companies that is completely transparent and allows the consumer to read all policy information upfront. You are also welcome to call Seven Corners Customer Service department so they can explain what your plan will/will not cover. We understand that policy language can be difficult to understand, and want to be able to assist you.

    2. Frustration of submitting the required paperwork in order to pay a claim.

    Solution: Getting medical records from a foreign country are not easy to obtain, which often delays the claims process. We are required to submit the appropriate paperwork in order to pay claims on behalf of our insurance carriers. If you have read all of the posts, you can see that several situations have resolved positively once we were able to communicate the issues which were still outstanding. We were also able to improve our processes and address a system issue.

    Unfortunately, this website does not accurately capture the number of happy customers that are serviced by Seven Corners. We issue over 20,000 new policies every single month, and to date this site only has 80 posts over a 2 ½ year duration. If you have any additional concerns, or would like to speak to me personally, please feel free to give me a call.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

81. SB | Aug 18, 2011

    Buying an insurance from Seven Corners is a smooth process. Claiming is a PAIN! I had a very bad experience with them. The company denies the claim saying that the condition was pre-existing for all genuine cases.

    I would NOT recommend buying this insurance for any of my friends or relatives visiting USA.

    Response from Seven Corners

    Dear SB,

    Thank you for your post. I have forwarded your information to our claims department. We are still awaiting medical records from your home country physician. We did send the request three times, and do have tracking via ups that they did receive our request. A claims analyst will be reaching out to you today. In the meantime, if you have any questions, please feel free to contact me.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

    2nd Response to SB

    Dear SB,

    Claim management reviewed your file yesterday and have reconsidered the existing medical records. We have decided to waive our need for additional home country medical records. You claims will be processed up to the benefit limits per procedure, as stated in your policy. If you have any additional questions, please let me know.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

82. Somitra | Aug 22, 2011

    Since my last posting regarding problems with my mothers claims, Seven Corners has adequately processed all her claims. Many thanks to Ms. Munson and Ms. Laura Brohm for their professionalism and prompt response to my situation.

    The moral of the story from my perspective is that don’t give up on your rights and coverages promised. By default the tendency is to deny claims and the burden of proof is on you. If you are not getting prompt response – escalate to the customer service group (Ms. Munson) in writing. I found Ms. Munson to be very responsive. Good luck!

    Response from Seven Corners

    Dear Somitra,

    Thank you for posting the final resolution to mother’s claims. We do understand that the claims process can be frustrating, and encourage all insureds to maintain copies of supporting medical records and receipts, at the time of the incident. In addition, we must have completed and signed proof of loss forms, in order to pay a claim on behalf of our insurance companies. As with your mother’s case and many others who posted on this site, once all of that information is received, then the claims process will run smoothly. Knowing what you need to do ahead of time may alleviate some fellow readers frustrations in the event they have a claim. If I can assist you in the future, please let me know.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

83. SB | Sep 13, 2011

    Dear Suzanne Munson,

    Thank you for waiving off the medical document required from my home country. I received my claims and I am grateful to your prompt action regarding this issue.

    Thank you, again.
    SB

    Dear SB,

    You are very welcome. In the future, should need to purchase insurance again, please feel free to give me a call. I would be happy to help you go through the options, and determine what plan would be best to purchase, based on your needs.

    Best regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

84. Ivan | Sep 22, 2011

    My friend had this insurance when she was visiting. She had to go to a doctor to get some antibiotics. Allegedly, doctor visits are covered @ $100 per visit: first you pay in full, and then they reimburse you.

    In practice, after two months of countless phone calls I still did not get the money. And mind you, I live in America and speak fluent English. Getting anything from these people from abroad would be next to impossible, you would be broke on the phone bill alone.

    During these two months I was acting as a messenger between the doctor office and the insurance. They would not talk to each other directly, and none of them is interested in the end result.

    Seven Corners denied my claim twice, they keep requesting more and more documentation. For whatever reason, their letters and faxes never reach the doctor’s office (mine do without a problem), and they refuse to speak to the doctor’s office on the phone to clarify what is it they exactly want. They are not openly hostile, but it feels like they do everything they can to stall the process and not pay the money.

    I do not recommend dealing with this company.

    Dear Ivan,

    I would be happy to have someone in our claims department review your file. Please feel free to contact me directly.

    Best regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

85. Bernadette | Sep 22, 2011

    Seven Corners Insurance is a SCAM! I purchased this insurance and we had some delays with our trip. The first delay was due to bad weather and we had to overnight. On the way back we were also delayed due to mechanical problems on the aircraft. Seven Corners is suppose to reimburse this.
    Upon submitting all the receipts and documentation to Seven Corners I was told that I needed to also provide a letter from the airlines explaining the cause of the delay. How ridiculous is that. Am I really suppose to get documentation from the airlines as to the cause of the delay almost 2 months later. Really are you kidding me!
    Unfortunately I didn’t have a choice when I purchased this insurance since it was the only one provided by my travel agency.

    Dear Bernadette,

    Thank you for calling in to our office on Friday, September 23rd. Please let us know the progress from contacting the guest relations department from your airline. It is a requirement that they provide written documentation for their travel delays. This is the only information that is pending at this time, in order to process your claim. This is an industry standard. If you have any additional questions, please let me know.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

86. Philippe | Sep 28, 2011

    I would add my view that this insurance is far from what one would expect. I bough this insurance for my mother. She had to have a medical visit. The visit was NOT covered, and although the insurance did not pay any money the mere fact of having a claim submitted made it impossible to cancel the insurance. My advice: stay away from this company !

    Dear Philippe,

    I would be happy to look in to your mother’s claim. Please feel free to contact me directly.

    Best regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

87. Juan | Oct 28, 2011

    My parents just got to the US, today. I’m searching for insurance for them. Look at Seven Corners brochure, start doing numbers, getting kind of convinced. Then browse through some of these postings, and all I want to say is thank you people for posting. This information is valuable and I have decided to just get away. I suspect a mess of service based on many people’s experiences and a desperate effort on the part of some representatives of this company to post some messages that try to calm people. Some are offering direct calls to address their issues, etc. It’s pathetic. I could have left without saying anything, but I think it would help this company, and potential clients in turn, if I let them know that based on the postings I have read, I have decided that I am flying away from this. So long! Happy Halloween!

    Dear Juan
    Thank you for your posting. We do actively monitor review sites to find clients who need assistance and to determine what can be improved internally to help the client experience. Our Customer Service department responds to insureds and members while I determine how we can become a more effective company.
    Best Regards
    Justin Tysdal
    Executive Officer, Seven Corners, Inc.

88. suresh | Nov 10, 2011

    i bought travel medical insurace from seven corners for my parents visiting here during spring/summer of this year. As expected buying the policy was very easy. but when it comes to claims a BIG PAIN. my dad had to visit doctor few times because of a condition he developed here and seven corners denied the claims saying its pre-existing. Every time we send some documentation they reply after 15 days asking for more documentation. it happend 4 times till now and i guess it will happen forever. we have the list of medicines he was using in india, letter from doctor, records from local doctor in US, they still keep asking for more.
    i would NEVER recommend this insurance for any of my friends and planning to complain to the government authorities.
    My rating is anything less than 0.

    Dear Suresh,

    I am having our claims department pull your father’s file for review. I will respond to you directly with an update, as soon as I can.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

    2nd response from Seven Corners

    Hello Suresh,

    One of our claims analysts looked through the file and we have not yet received information from your father’s home country physician. We based our decision upon multiple medical reviews of the information that we have on file, and any additional details that came in. However, we would be happy to reconsider any additional records that are submitted from your father’s home country physician.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

89. suresh | Nov 16, 2011

    Suzanne,

    thanks for looking into this. you said you are waiting on physician in india. but we already submitted a letter from there. we had more than 3 MAIL communications till now. you have all the medical records from US physician, medicines used in india (part of medical records from US physician), letters from both my father and physician in india. still you keep asking for more information than what we already provided. we are going back and forth for more than 5 months and i am not sure if this will ever end.

    -suresh.

    Dear Suresh,

    We did receive a letter from your father’s home country physician. However, there were no accompanying medical records nor any information in the letter that indicated medical history details. Unfortunately, this is not sufficient for us to properly review your father’s claims. We need actual medical records (office notes, test results, medication lists) from his physician in order to make a determination regarding his file.

    I apologize if we did not make clear the type of documentation needed from your father’s home country physician. Please know that our claims team will review your father’s file promptly as soon as we receive the requested information. Please feel free to email me direct if you have any additional questions or concerns.

    Sincerely,

    Angela Borden
    Customer Service Representative at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    marketing@sevencorners.com

90. Judy M. Floyd | Nov 19, 2011

    My sister, her husband and I bought tickets from One Travel in April, 2011 to go to her son’s wedding in Italy. He is in the Army and has served one tour so far in Afghanistan. Unfortunately, I developed a malady and my internist said I could no longer travel. We were to depart in July, 2011. I reluctantly cancelled my flight on July 13,201. and notified One Travel who referred me to Seven Corners for my refund. I mailed my claim form, with my doctor’s statement and other medical documentation on August 6, 2011. I had to undero several PT treatments for my condition and I still am suffering from it.

    After mailing the claim form to Seven Corners, they contacted me, saying they needed my sister’s bank statement, showing where she paid for the tickets and my cancelled check, showing that I reimbursed my sister for my ticket. I sent these to Seven Corners on August 25, 2011. In September, Seven Corners sent me a statement to sign stating that I would not ever sell or use my non-refundable ticket and that I would accept a lowered amount from them. I signed this statement, but noted on the bottom that my ticket and the cancellation fee cost more than they wanted to reimburse to me. I wrote what amount they owed me.

    In mid-October, a claims analyst phoned and said they could not accept my signed statement because I had written on the bottom of the statement. He informed me that they would send another statement to sign. The analyst also informed me that I needed to re-contact One Travel and get another statement from them showing how much I paid for the trip. I resubmitted the requested documentation from One Travel and another signed statement, on which I wrote that I would not sell or use my non-refundable ticket from One Travel and that I wanted the full amount of the ticket and the cancellation fee on October 31, 2011. I also sent a letter showing the various dates that I submitted all the required documentation to Seven Corners and requesting that they honor their contract and send the correct amount to me asap. I also included in the registered mail package I sent on that date a copy of our contract, because it seemed like the analyst I was dealing with had not read their contract. In that letter, I also demanded full payment, with interest (as stated in their contract, 9% per annum). I told them that I would be forced to take further action if I did not receive the correct amount that I had paid for my ticket and the cancellation fee. I thought that all the documentation, plus my letter and the copy of their contract, highlighted by me, would clear this matter up. I was wrong!

    On November 12, 2011, I received an “Explanation of Benefits” letter from my claims analyst stating that my file had been closed for lack of response, and that upon receipt of requested information, my claim may be reconsidered. On November 14, 2011, I called Seven Corners and was told that their EOB and my package must have crossed in the mail and that is why my file had been closed. I was told that I had waited too long to submit the signed statement. I told her that I had not been told that I had a deadline to submit the signed statement and that it had only been 2 weeks since they had requested the signed statement with the incorrect amount on it. I asked to speak to my claims analyst, but she said that was impossible. She said someone with Seven Corners would contact me within a couple of weeks.

    On November 18, 2011, my claims analyst phoned. He said (again) that they could not accept my new signed statement because I had written on the bottom of it and he was going to send me another statement to sign. I asked what amount they were going to put on this third statement. He quoted a reduced amount. I informed him that that amount was unacceptable, that I expected to be reimbursed for the correct, higher amount. He said that could not be done because he had a piece of paper from One Travel stating that I had only paid the reduced amount. After many mutual exclamations between him and me, he agreed to send me that piece of paper since I had already submitted my documentation from One Travel to him, twice!, so I would know what I was talking about when I re-contacted One Travel. When I asked him who could solve this impasse, he said no one else was authorized to talk to me. This is where my claim stands as of today.

    I am totally disgusted by these delaying tactics, shoddy practices, and the fradulent reduction of the amount I paid for my ticket, the cancellation fee and the 9% interest due. If this matter cannot be resolved asap, I will be forced to take further action, which may include legal action, arbitration, contacting the Commissioner of Insurance in the State of Indiana, alerting your parent company (Nationwide Mutual Insurance Company), alerting the BBB and the U. S. Travel Insurance Association, Clark Howard and other consumer advocates and perhaps the Attorney Generals of the States of Indiana and Virginia, as I see fit. I may even be forced to contact the FBI, as I consider this to be interstate fraud. It makes me sick to see the complaints of all your other victims on this page. I feel fortunate that I did not have to have my money back right away and that I am retired and have all the time in the world to pursue this matter. I feel terrible for the elderly or other unfortunate victims your company has scammed or tried to scam. I think that Seven Corners and One Travel are in cahoots.

    So, Seven Corners and One Travel, the ball is in your court. It will be very intersesting to see what your next move will be. If I do not receive a check for $1806.90, plus interest post haste, I will not hesitate to seek further actions against your company. Enough is Enough!

    Hello Mrs. Floyd,

    I’m sorry to hear that you were unable to attend your nephew’s wedding. I hope you’re feeling better. I understand that our staff has that been working with you, and explained that your benefit is only up to the actually purchase price of your ticket, minus any discounts.

    Your benefit, as indicated on the form sent to you, is not lowered, but rather the actual purchase price. This was discussed in your phone conversation with our staff. We explained that altering the form, indicating a different dollar amount, caused many of the delays that you’ve outlined as each time, this voided the signed statement. Having said that, we obviously did not communicate effectively, and I apologize for that. Your file has not been denied, but is pending receipt of the signed form.

    My understanding is that we have resolved all issues on your file with the exception of your cancellation fee. We are currently waiting on an answer for this exception and will notify you when and if we get an approval for the same. Seven Corners prides themselves on being very customer focused and I apologize if the details that complicated your file, were not adequately conveyed during the processing of your claim.

    Best Regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

91. Bridget | Dec 1, 2011

    Terrible! Don’t waste your money with this company. I bought travel insurance for a week’s holiday in the US. I ended up having a medical emergency and having to see a GP and also have day surgery. After filing the paperwork, they claimed the doctor’s handwritten notes were illegible, and so refused to process any of the claim, even though the larger part of the claim was from the surgeon. I emailed additional paperwork which was apparently never received, faxed it instead, which was also ‘lost’. I’ve called more than a dozen times, trying to follow up. Customer service is appalling. I’d be shuffled from one person to the next, then get put on hold for 20 minutes, and sent back to the switchboard or cut off. Saying they cannot read a doctor’s handwriting is just a cop-out. There was nothing wrong with my claim – I followed all their guidelines. Now they won’t pay anything and short of getting a lawyer (and who can afford that!), there’s nothing I can do. So frustrating!

    Hi Bridget,

    I couldn’t find you in our system. Please feel free to contact me via email with your certificate number and I will have someone reach out to your doctor. Please supply their name and number.

    Best regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

92. HReddy | Dec 9, 2011

    Thanks for all those who has put in their feedback. More than 90% of the feedback is negative. I was just looking to buy one for my parents and would not certainly consider this. Most of the feedback appears to be a situation that can occur to anyone and thats the reason why we go for insurance. If it is not fit for the purpose then no point wasting your money on it.

    Dear HReddy,

    As I have said previously, this website does not accurately represent the number of happy customers that purchase from Seven Corners every day. We issue over 20,000 new policies every month. That does not include providing assistance and claim services for organizations such as Americorps, Peacecorps, and U.S. Department of State. I would be happy to address any questions you may have regarding a plan for your parents.

    Best regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

93. Kim Le | Jan 20, 2012

    Hi, I’ve been buying travel insurance for many years but had not read any reviews until now. I need to get another trip insurance for a 17-day tour to Europe this summer, and Seven Corners seems to cover most of what I need at a reasonable price. However, after reading so many negative reviews from past customers, I’m really worried.
    I then read reviews in other insurance companies, and you know what? They all have many negative comments as well! I guess I will have to take a chance with SC and give it a benefit of the doubt. I like it that Ms. Suzanne Munson from Customer Service tried to address and solve her customers’ problems.
    I hope my tour will go smoothly, and I don’t have to file a claim. But if I do, I will be sure to contact Ms. Munson.

    Dear Kim Le,

    Thank you for your post. If you haven’t already purchased insurance and you have questions, please give us a call. Customer Service is available from 8:00 am -5:00 pm EST at 1-800-335-0611, or feel free to ask for me personally. I hope you have a great trip!

    Best regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

94. Kim Le | Jan 23, 2012

    Thank you, Ms. Munson.
    I’ve already bought the travel insurance with Seven Corners the same day I posted my original comment. I hope everything is going to be okay. Will ask for your help if I run into any problems later on.

    Hi Kim Le,

    Please contact me with any questions. Have a wonderful time in Europe!

    Best regards,
    Suzanne Munson
    Customer Service Manager at Seven Corners
    Toll-Free: (800) 335-0611
    Local: (317) 575-2652
    suzanne.munson@sevencorners.com

95. Jeff Jones | Jan 31, 2012

    Booked a no refund cruise 8 months in advance. Company sponsoring the cruise specifically told us to get trip insurance just in case we could not make trip. Purchased cancel for any reason insurance from Seven Corners. As luck would have it we had to cancel our trip. We called the cruise provider to cancel but were reminded of their no cancellation policy and asked them to note that we had called. Filed our claim within the time limits imposed by insurance provider and waited. Received a response requesting additional information. Fulfilled their request for info and waited. Started making phone calls. After a lengthy recording you press a number and sit thru another lengthy recording and then you wait. Somebody answers, you give your story including certificate number and you get transferred to a dead end answering machine. You leave a message and trust that a return call is coming……..it doesn’t. You call back the next day and the process repeats itself; only this time you call back immediately for the process to repeat itself over and over. I called 4 times in 1 day. Everybody is very sincere but alas they cannot help you. You have to be handed to a claims rep or whatever they call themselves. At any rate I finally get a call back from a person who claims to have called and left a voice mail which we did not receive. At any rate this person tells me that they have contacted our cruise provider who has assured them that we never cancelled our trip. As such our claim has been denied. I believe that we were scammed by seven corners.

96. SAMEER | Feb 1, 2012

    I have been using this insurance for several years during my travel to Canada and US. I never faced any problem in getting my bills remimbursed. All the network hospitals are cashless so there was no problem in visting these hospitals. I need to show my kids at several occasions when they pick some allergy or cold in school or changing seasons. The insurance is easily acceptable at network hospitals and the prescribed medicines gets reimbursed when sending the scanned bills via email in approx 3 weeks of time. Its that easy.

    I am very pleased with their service. I really appreciate Kathy for her assistance and prompt update on the status of my claims when requested. She along with her staff was very kind to extend her support for getting the claims reimbursed and keep me updated. Some of my claims got rejected but when providing missing documents they reopened my claims and processd the same.

    I would recommend this insurance to my friends and family.

    Thanks You are being there.

    Sameer

97. Rebecca | Feb 2, 2012

    I don’t exactly have travel insurance with Seven Corners but they are my health insurance provider while I reside and work in another country other than my own. I have been covered by Seven Corners for about four years now and while I will be the first to admit that at the beginning of my coverage with them, I found them a little slow to process claims and they occasionally got aspects of the payment wrong (although these issues were always eventually sorted out).

    However, I feel that over the past year their customer service has improved greatly and my claims are now being dealt both promptly and accurately. My claims analyst, Robert, who currently looks after any claims I submit has been superb in communicating what stage my claims are at, answering any questions I may have regarding them and talking me through my payment information so I can understand my reimbursement.

    I am in a situation where I live on the opposite side of the world to where Seven Corners is based and therefore always have a time zone difference difficulty when trying to communicate with them. I feel that my claims analyst goes out of his way in his efforts to communicate with me, so that this isn’t nearly as big of an issue as it could be.

    Having one specific person look after my claims is definitely an improvement and I feel a greater deal sense of trust in the company knowing that one person is continuously dealing with and looking after me.

    This year has not been a terribly great year for me health wise and I have had to put in more than my usual amounts of claims. I am very thankful that I have Robert at Seven Corners looking after my health insurance as this at least releases some of the stress that comes when one finds themselves unwell.