Inbound USA Insurance

Inbound USA Visitor insurance is a fixed or limited benefit insurance policy providing basic medical insurance for visitors to the U.S. If you, your family, or friends are planning a trip to the U.S., Inbound USA is an affordable visitor insurance in the USA that will help keep you and your loved ones covered in the event of a medical emergency. Inbound insurance is underwritten at Lloyds of London and is rated “A” excellent by A. M. Best. The plan is administered by Seven Corners.

Inbound USA insurance can be purchased for a minimum of 5 days and up to a maximum of 364 days. You may reapply for a new period of coverage after 364 days if you return to your home country before doing so.

You are free to go to any medical provider (Doctor/Hospital/Urgent Care) in the US when covered by Inbound USA, and the plan will pay the predefined limits for medical care as listed in the brochure.

brochure

The Inbound USA insurance plan offers a range of coverage and has choices from $50,000 to for the policy maximum and deductible choices of $0, $50 $100, and $200 based on the age of the traveler.  The policy includes coverage for acute onset of preexisting conditions for people below 70 years of age.

When you apply for the Inbound USA policy online you will be emailed the insurance documents (virtual ID card and certificate of coverage) to the email address you provide on the application.


Range of Coverage

The policy provides per-incident coverage for accidents and sickness. Coverage includes emergency medical evacuation, repatriation of remains and accidental death & dismemberment. Based on the age, the plan offers coverage options from $50,000 to $130,000 and has choices of deductibles from $0 to $200.

Instant ID Card

Your ID card and insurance documents will be emailed to you as soon as your purchase has been completed.

Pre-existing Coverage

For ages under 70 years, acute onset of a preexisting condition can be covered up to the chosen policy maximum per policy period for medical expense benefits (subject to the sub-limit for each benefit) & $25,000 per policy period for medical evacuation.

Urgent Care

A maximum of 10 visits (1 a day) can be covered. Predefined limits on the amount of coverage per the chosen plan.

Repatriation of Remains

Up to $7,500 for the return of the deceased’s remains upon the death of the insured.

 

Accidental Death and Dismemberment

This benefit pays up to $25,000 for accidents occurring while you are riding as a passenger in or on any land, water or air conveyance transporting passengers for hire.

Inbound USA Insurance provides a choice of medical maximum limits of $50,000, $75,000, $100,000 and $130,000  (ages 70 to 99 years, choice of  $50,000, $70,000 policy maximum)

For ages below 70 years: $0, $50, $100

For ages above 70 years: $100, $200

Outside the U.S.:
Inbound USA Insurance is not available for coverage outside the U.S.

Inside of the U.S.:
For the Certificate Period, Underwriters will pay 100% of eligible expenses after the deductible up to the covered amount for each type of medical expense.

You may initially enroll in Inbound USA for as little as 5 days and up to a maximum of 12 months.

The plan can be purchased for a minimum of 5 days and a maximum of 364 days.  Coverage may be renewed if it is initially purchased for a minimum of 5 days. If available, additional periods are charged at the premium rate in force at the time of renewal. The total Policy Period cannot exceed 364 days. Once the policy has lapsed, you can to reapply for coverage if you return to your home country before doing so.
Inbound USA insurance is underwritten by certain Underwriters at Lloyds of London.
Inbound USA insurance is administered by Seven Corners.

How it works

You are eligible for coverage if you are not a United States citizen traveling to the U.S. for business, pleasure, or to study. Your coverage must become effective within 12 months of your arrival in the United States.

If you purchase at least 30 days of coverage, you may travel to countries outside the United States for up to 30 days. This benefit does not include travel to your home country, and it does not extend after your coverage expiration date.

For a non-U.S. citizens traveling in the United States, Inbound USA  pays up to the specified limit for an acute onset of a pre-existing condition if the condition occurs in the United States during the coverage period, & if treatment is received in the United States within 24 hours of the sudden & unexpected recurrence. A pre-existing condition that is chronic, congenital or gradually worsens over time is not covered.

Pre-existing conditions are defined in detail in the policy. A brief summary is shown here. Pre-existing conditions include any medical condition, sickness, injury, illness, disease, mental illness or mental nervous disorder that existed with reasonable medical certainty during the 180 days before coverage on Inbound USA began, whether or not it was previously manifested, symptomatic, known, diagnosed, treated or disclosed. This includes but is not limited to any medical condition, sickness, injury, illness, disease, mental illness or mental nervous disorder for which medical advice, diagnosis, care or treatment was recommended or received or for which a reasonably prudent person would have sought treatment during the 180 days before the effective date.

No, adventure sports are excluded from coverage.

The Inbound USA policy does not follow a network. You are free to go to any doctor/hospital/Urgent Care in the area. Being a scheduled/fixed benefit policy, once you meet your deductible the policy will pay the predefined limits and you will pay the difference between the scheduled and the actual limits.  You can review the brochure for scheduled limits.

The application will need the name, date of birth, visitor’s address, passport country, and email address to send the insurance documents.  If you do have the passport number, you can enter it. A valid credit card will be required to complete the purchase.

An email will be sent to the email address provided on the application which will include links to download the ID card, Visa Letter, and Certificate wording.

As long as your initial purchase was a minimum of 5 days, you can renew the policy. The plan can be bought from 5 to 364 days.  There will be a $5 renewal fee for every renewal.

Before the effective date of the policy:  Full cancellation and refund will only be considered if a written request is received prior to the Effective Date of the coverage.

After the effective date of the policy:  If a written request is received after the Effective Date of coverage, the following conditions apply if the Insured Person wishes to cancel the insurance and a written partial refund request has been made:

  1. a) If any claims have been filed with the Company, the Premium is fully earned and is non-refundable.
  2. b) If no claims have been filed with the Company, then a pro-rated refund is possible with a cancellation fee of US $25.

It is a good practice to keep a copy of the entire Claims documents with you before you submit the Claims for processing

  1. Download and complete the Claims Form
  2. Attach copies of all the pages of the passport
  3. Attach the itemized bills
  4. Submit the above within the stipulated time of 90 days after seeing the provider
  5. Follow up on your Claim by calling 800-335-0477 emailing claims@sevencorners.com  

Claims filing address and email:
Seven Corners, Inc.
Attn: Claims
303 Congressional Boulevard Carmel, IN 46032 USA
Claims Number: 1.800.335.0477
Email: claims@sevencorners.com
Fax (+1) 317-575-2256

You can also upload the file at File upload

Non-emergency   Claims & benefit questions
1-800-335-0611 (toll free)
317-575-2652 (worldwide)
317-818-2809 (collect calls only)

For emergency assistance you can call:
Toll-free: 1-800-690-6295
Worldwide: 317-818-2808
Collect Calls Only: 317-818-2809