Seven Corners Insurance Consumer Reviews

CARMEL, INDIANA -- Dear Sureleen Stage,

You recently denied the claim referenced above. I do not feel denial of this claim is justified because: My effective date should be 7th April 2017 as per the policy due to the postmark date of my enrollment form is on 7th April 2017. I also got Travel Insurance Purchase Confirmation and Booking receipt on 7th April 2017 as follow the policy provisions. You could see the postmark date as evidence in enclosed file.
I got denial letter for my claim insurance. It's indicated that does not meet the requirements outlined by the policy states that "Effective Date is the date which begins at 12:01 a.m. following the: 1) postmark date of your enrollment form or 2) the date you fax or transmit your enrollment via the internet with the proper payment."

Means Effective date begins at 12.01 am of the postmark date of enrollment.
NOT the following date from enrollment.
Following No.1) or No.2) Means Matching or referring to or complied with No.1) or No.2)
NOT means by the next date or the day after enrollment from…

In additional you could see the clearly state from;
Flight Accident Option Benefit begins on the departure date or the date Your completed enrollment form and fees are postmarked, faxed, or transmitted via the internet. Trip Delay Benefit is in force while I'm en route to and from my Trip.
Means I could get benefit whatever from departure date or the postmark date of my enrollment.
You could see indicated effective in Lloyd's certificate as well.

To understand easily the meaning is benefit will begins immediately after paid the premium. Referring date from time stamp in email as got the receipt or confirmation on the insurance. As indicated in Lloyd's certificate.
I contact to you several times but no feedback at all.

Best regards,
Ju

DENVER, COLORADO -- I purchased the Seven Corners insurance recently on my Frontier flight and it is absolutely WORTHLESS!!! I got sick and I was snowed in with bad weather. It states that these are BOTH coverable, but then you have to read the EXTRA-EXTRA fine print that you can ONLY use these reasons IF your flight is delayed by 12 HOURS OR MORE (so they could give a care about if you nearly die trying to GET to the airport in the first place), and IF you go get a doctor's note on THE DAY OF the event. Even if you get one after, THEY WILL NOT HONOR IT!!!

So, I was supposed to go to the doctor on THE DAY OF the snowstorm?! Yeah right!!! On top of that, they don't even respond to you! I had to call after 6 weeks because I heard nothing regarding my claim and then was told the same sentence 6X like a lifeless drone because the customer service person wasn't even listening to me and kept saying "we need the airlines to confirm your flight was canceled due to weather!"

After dealing with NOT BEING LISTENED TO FOR 20 MINUTES, I finally raised my voice and explained that "my flight WAS NOT canceled, but I couldn't get OUT of my house because of the snowstorm!" She said, "Oh yeah, I see now... yeah, well unfortunately ma'am that's not covered?!" I'm like WTF "IS" covered then? It also takes eternal life to gather the information and details for your claim. I lost 2 hours that I'll never get back! Well people, pretty much "NOTHING" is covered! They are running the scam of the century! WOW! Seven Corners YOU SUCK! Get insurance through your credit card or private carrier, but PLEASE don't use this horrific company!

This company is completely unaware of what it takes to provide their customers with QUICK and ACCURATE services. I purchased traveler's insurance with Seven Corners prior to attending a trip to Europe with EF Tours. The insurance plan was suppose to cover flight delays and reimburse me for all out-of-pocket expenses if there was a flight cancellation or delay, and just my luck there was.

Not only did I lose practically two days in Europe and had to spend quite a bit of my spending money for the trip on renting a hotel room, food, cabs, and other necessities to stay close to the airport for whenever we would finally leave the country, but I had to come back to horrible customer service.

My trip was suppose to be May 15th-23rd, and after being stuck in America for the first 2 days, on the day that I got back (May 23rd at 2:00 pm), the first thing I did was fill out and submit the insurance claim forms so that I would be reimbursed my money in a timely manner. After a few days, I called Seven Corners only to have them to tell me to re-submit my forms. On the 23rd I sent it via email, and that following week I re-submitted it via fax. Then they told me it should be about 21 days at the most before I receive my money. Now, 42 days later they still have not completed my paperwork.

First of all, their assigned agent only works on my case whenever I inquire about it and every time that I do, their other workers lie and give me a date to call back again, only to be told that it is still not done. And if that wasn't an issue, she also did not review my insurance package so she was only trying to reimburse me for the out of pocket expenses even though I paid for an insurance plan that includes flight delays. I also submitted a letter from EF Tours Travel Support Specialist, Emily, that she wrote specifically for myself as well as my fellow trip-goers to submit with our claims to Seven Corners and they still overlooked that.

This company is INCOMPETENT. The people who work here are not concerned with handling people's cases in a timely manner nor do they take the time to actually review what is going on. They think they have forever to do things and do not consider the fact that people may actually have things they need to do with their money like pay bills and etc.

Sidenote: EF TOURS, you should really consider getting another traveler insurance provider. Not only does it make me not want to travel with your company anymore, it makes it look as though there is a communication issue between EF Tours and Seven Corners. DO NOT USE THIS COMPANY. Unless you are willing to be placed on the back burner and treated as though you don't matter!

I am not disputing the verbiage in the policy itself. My complaint is regarding the purchasing process of this policy right from the start and the use of multiple brand names to create confusion. Seven Corners took weeks to review my claim and respond to emails. It was 3 months before I was even able to speak with my claim administrator.

Half of my overseas trip was ruined by a situation out of my control and I incurred hundreds of dollars of charges as a result. The entire airport in Manila was closed for the arrival of presidents for the APEC summit meetings. I was relieved to know that I purchased trip insurance from a well-known company in Chicago, John Hancock Insurance -- which according to the Square Mouth website included cancellation and delay.

Upon requesting the appropriate claim forms, the form itself says it is actually "American Modern Insurance group". However, after making sure that was the correct form it appears the forms are actually mailed to "Seven Corners". Everyone keeps stating they are only the processor, however, they also sell trip insurance. It would appear multiple companies are involved and that they are simply using different names to confuse and mislead consumers.

My claim for trip cancellation was denied and I was advised (after several emails) to file an appeal under a different reason, trip delay. I spent countless hours filing out all the forms again and providing proper documentations and proof of such occurrence. I also placed many calls and emails to the "zero complaint team" at squaremouth.com asking for further clarification regarding my specific trip insurance policy that I purchased. After about a month, I was finally given an answer, that I was not covered because the policy lists very specific coverage reasons.

Regardless of the writing in the policy, I assert that I was cheat and completely mislead into purchasing this policy from the start. I am asserting that I was lead to believe I was purchasing from a prestigious name; John Hancock Insurance. This was clearly a bait and switch scheme and absolutely unacceptable. Square Mouth has even admitted to me that it is their common practice.

In addition, I was not made aware prior to my purchase the extreme limitations of this policy and that I would actually be dealing with multiple companies other than "John Hancock". This would have drastically alerted my decision in choosing such a prohibitive policy from unknown companies.

I am an arthritis patient. So, when I booked my tickets with OneTravel.com, they lead me to Seven Corner Insurance company, which offered full refund of our tickets in case of sickness and of course some other reasons I didn't pay attention to. Realizing that sometimes my condition gets worse, I thought it will be a good idea to buy the insurance so that if we are unable to travel due to my health problem, we get full refund of our tickets amount. Isn't that why we buy the insurance?

It so happened that Ramadan came before our traveling date and due to fasting and night prayers my arthritis pains shot up such that I could not sit for 10+ hours in the economy class with cramped seats. As a result, we had to cancel our flight. I called the Insurance company well in time and told them that we cancelled our flights due to my health condition and want the refund as they had promised. The lady sent me the Insurance form and asked me if I could provide a doctor's note to support my claim of sickness.

I am an arthritis patient for the last over 30 years, so I don't need to go to a doctor to know if I am able to travel or not because a long time patient knows his/her sickness/condition better than a doctor. But realizing the fact that this is their policy and they have a right to confirm the authenticity of our claim, I went to a hospital and did all the test that will prove the severity of my health condition, asked the doctor to fill up the required note from the insurance company (spent considerable time and amount to satisfy the insurance company) and sent it to them.

And, they say that you didn't go to the doctor before! If they were honest, they would not be looking for lame excuses to reject our claim. Nobody buys the tickets to cancel and claim the same amount they have paid from their pocket. The only reason one buys insurance is to protect the amount that they have paid from their pocket in case of any mishap. So, what is the reason for rejecting a claim that is genuine except that they are a bunch of thieves who earn through cheating!

CARMEL, INDIANA -- I agree with the complaints that I've read here. I bought this insurance for my wife and son while we were living in China. I was on a fellowship and was provided with one of their policies as a part of my contract. Next year, when we go back, we won't buy Seven Corners because they didn't end up reimbursing us for any of our expenses so we dropped a several hundred dollars on a policy and ultimately had to pay out of pocket for every doctor visit.

Add to that the headache that they aren't recognized by any of the service providers in China that they list on their travel website, so you have to submit paperwork that they ultimately return with the request for more info, and you've realized that you're just throwing your money into a bottomless pit. In the end, they said that we would be reimbursed for a grand total of 179 dollars of the 1000 we spent in medical bills over the course of the year, and that was taken up by the deductible, so we got nothing back.

We're still waiting on our last set of claims to be rejected, but we won't be upset by it because we are used to it by now. We got the email this week asking if we wanted to renew our policy... No thank you, Seven Corners. You didn't do anything for us.

For almost 12 months I have been in contact with this company for a $300-400 hospital bill. Part of my claim was rejected because their travel insurance doesn't cover really any losses or costs (taxi, hotel, ticket modification etc) related to an illness during your trip (which would be the definition of a travel insurance), but they only cover medical expenses.
But my hospital bill is still not refunded, I don't get real answers from their customer service, and I cannot even access my account anymore online to see progresses, documents, anything.

Please asap advise when you refund the hospital bill (i have sent all requested documents moths ago)

EDISON, NEW JERSEY -- My mom need to see a cardiologist while her stay in USA and 3 months have passed now and still waiting for response and claim money. The company found no real reason to reject claim so finding bogus reasons to reject the claim e.g. "no response from customer". I have submitted everything they required to process the claim still they rejected claim saying that "there is no response from customer" despite the fact that I have been following up regularly and every time I contacted him they say they need 1 month time to review.

One thing they are very good at is charging insurance premium and worst thing is they never pay back claims to their customers who trusted them for travel insurance. I would say Stay away from this company because you will keep wasting money on insurance premium and will get nothing when there is a need to file claim. I am planning to take legal action against this company.

PENSACOLA, FLORIDA -- published here https://www.trustpilot.com/reviews/5deba28bc8454506301ae14c

SEVEN CORNERS DOEN'T REFUND THE MEDICAL EXPENSES
The worst customer service in my whole life, they gave me bad information when I was sick in the US. I had a fever and seven corners led me to 3 hospitals that supposedly had coverage with my insurance and that when I was going to ask the hospital I realized that it was not like that. Moreover, they said on a call they will pay me back the expenses for the doctor's attention and the purchase of the medicines and now they have only returned the payment of the doctor's attention and they refuse to pay me the cost for the purchase of medicines. To this, we could include that in the whole process of attention and claim, the customer service executives intentionally hung up the call six times. Don't use their services, is waste your money!!!

CARMEL, INDIANA, ARIZONA -- Welcome to Club Denial for every reason they can think of.

Filed claim on 4/28/19 No Response until 8/5/2019
Was Trapped by a Blizzard in Calgary. CA. had to spend the night I am only requesting Hotel & Food (we ate cheap) Total $178.00

1st Denial "The Trip Interruption benefits must be arranged by Seven Corners Assist. Failure to utilize Seven Corners Assist will result in the denial of benefits."
Sent them a screen shot where I had called them 10x that night.
2nd Denial "I understand your frustration but the policy you purchased is primarily a medical policy and not a trip cancellation policy. This instance would not qualify as a trip interruption as it does not meet the criteria outlined in the policy."
3rd Denial "I discussed this with my senior analyst and my manager and it was agreed that this event does not meet the criteria of a natural disaster. If you would like to file an appeal you may do so on our website."
Seven Corners Criteria" Natural Disaster: Event or force of natural cause that is (i) due entirely to the forces of nature, (ii) could not have been reasonably prevented, and (iii) results in the migration of the human population for its safety. This includes Avalanche, wildfire, earthquake, hurricane, tornado, typhoon, tsunami, cyclone, flood, lanDSLide, muDSLide, drought windborne dust or sand, volcanic eruption, tsunami, snow, rain, or wind.

Search: Calgary Blizzard 4/27/2019
Yahoo news:Calgary airport said both flight departures and arrivals were impacted by the intensity of the snow. Multiple flights were showing as either cancelled or delayed on the airport's website.

Good Luck ever getting paid from this company
Check their Yelp & Google Reviews