Buy Inbound USA Insurance
Visitor Guard® Inbound USA Insurance plan is for Non-US citizens traveling to the USA. They buy coverage for themselves, family members, parents, and traveling companions. Available for individuals from 14 days and below 100 years.
Inbound USA Insurance plans provide fixed or limited benefits for Illness and Injury, Emergency Medical Evacuation Coverage, Return of Mortal Remains, Terrorism, Common Carrier AD&D, and more. This plan provides coverage in the USA. The plan provides limited coverage for travel to additional countries for trips that originate in the USA.
Inbound USA Insurance Plan Highlights:
- Per injury and illness benefits for hospitalization, Office Visits, Prescription Drugs, and Emergency Room
- Coverage for Emergency Medical and Political Evacuation, Repatriation of Remains, Trip Interruption, Baggage, Personal Liability, and AD&D.
- Covers one Acute Onset episode of Pre-Existing Medical Conditions for non-US residents
- Coverage from 5 days to 364 days with the Basic, Choice, and Elite
- Coverage with the Choice and Elite extendible up to three years (1092 days)
- Emergency Dental for an accident as well as for an acute onset of pain
- International travel coverage up to 14 days when you travel to countries other than the USA and your home country when the trip originates in the US.
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Advantages of 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. Inbound USA is affordable visitor insurance in the USA that provides per incident benefits.
Plan Benefits: Select from 3 options: Basic, Choice, and Elite. Coverage for in-patient and out-patient medical accidents & illness up to $150,000, Evacuation, Repatriation of Remains, Trip Interruption, Baggage, AD&D. Choice of deductibles of $0, $50,$100, and $200
Pre-existing: First acute onset of a pre-existing condition during the coverage period if you are a non-United States resident. Coverage for an acute onset of a pre-existing condition ends on the earlier of: (1) the condition no longer being considered acute or (2) Your discharge from the hospital. The coverage limit varies according to the choice of plan and age of the insured.
PPO Hospital Network: You may seek treatment from any medical facility or provider you wish.
You can review more details in the Brochure
Inbound USA Insurance Coverage
The Inbound® USA is a limited or fixed benefit policy providing medical insurance for visitors to the US. The policy covers unexpected injury and illness while in the US. The policy has a choice of three plans, Basic, Choice, and Elite. Your coverage length may vary from 5 to 364 days for all three plan options. You can extend the Inbound USA Choice and Inbound USA Elite plans up to three years (1,092 days). The Basic and Choice are available for ages 14 days to 99 years while the Elite is available for ages 14 days to 69 years. You can choose from a range of coverage options from $50,000 to $150,000 for policy maximums, and deductible choices of $0, $50, $100, and $200 based on the plan. You can review the benefits in the Brochure
Benefits for the Inbound USA Insurance
|Benefit||Coverage Amount up to 69 years||Coverage Amount for 70 -79 years|
|In-patient Hospital||From $50,000|
|Out-patient Clinic||From $50,000|
|Doctor Visit||From $50,000|
|Prescription Drugs||From $50,000|
What is the cost of Inbound USA Insurance?
The pricing is dependent on the following factors:
Plan Limit: The cost of the plan will be based on what plan you opt for (Basic, Choice, Elite) along with the choice of medical maximum. Each plan offers different overall maximum limits based on age. You can choose from medical maximum limits of $50,000, $75,000, $100,000 $125,000 and $150,000. The higher the policy maximum, the higher will be the cost or premium.
Deductible Amount: With the Inbound USA you have deductible choices of $0, $50,$100, and $200 (depending on the age) The premium or cost of the coverage will be lower with a higher deductible.
Age: Age is an important driving factor in the price. Your Inbound USA cost goes up if you fall in the higher age bracket. The plan is available for ages 14 days to above 99 years. Inbound USA Elite provides coverage up to age 69 years
Coverage Days: Premium is based on a daily rate, hence the more the number of days, the higher will be the premium. Inbound USA Plan can be bought for a minimum of 5 days up to a maximum of 364 days.
Inbound USA Price Table
|Age||Policy Max Limit $50,000||Policy Max Limit $100,000|
|From 50 to 59 years||$52||$58|
|From 60 to 64 years||$71||$78|
|From 65 to 69 years||$71||$78|
|From 70 to 79 years||$168||$184|
FAQ: Inbound USA Insurance
The plan covers non-United States citizens who are traveling to the USA. You may buy coverage for yourself, your spouse, your children, and your traveling companions.
To be covered by the Inbound USA Basic and Inbound USA Choice plan, you must be at least 14 days of age and younger than 100 years of age.
To be covered by the Inbound USA Elite plan, you must be at least 14 days of age and younger than 70 years of age.
Pre-existing conditions are not covered under the plan.
Inbound USA however covers the first acute onset of a pre-existing condition during the coverage period if you are a non-US resident.
This benefit is subject to the deductible.
Coverage for an acute onset of a pre-existing condition ends on the earlier of:
(1) the condition no longer being considered acute or
(2) Your discharge from the hospital.
There is no coverage for an acute onset that occurs during an incidental trip to your home country
It is a sudden and unexpected outbreak or recurrence of a pre-existing condition that occurs spontaneously and without advance warning in the form of physician recommendations or symptoms and requires urgent care.
To be covered by this benefit, the following are required:
- The acute onset must occur after the plan’s effective date and prior to the age limit shown in the Schedule of Benefits.
- Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
- Covered expenses must be incurred in the U.S.
Coverage for an acute onset of a pre-existing condition ends on the earlier of:
- The condition no longer being considered acute or
- Your discharge from the hospital.
There is no coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary before your arrival in the U.S. and before your plan begins.
There is no coverage for treatment for which you have traveled or conditions for which travel was undertaken after your physician limited or restricted travel.
A pre-existing condition that is congenital or that gradually becomes worse over time is not an Acute Onset of a Pre-Existing Condition. A pre-existing condition will not be considered an Acute Onset of a Pre-existing Condition if, during the 30 days prior to the acute event, you had a change in prescription or treatment for a diagnosis related to the acute event.
You can go to any provider in the area. You are not required to use providers from the list.
No, adventure sports are excluded from coverage.
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.
Once the application is submitted, 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.
Inbound USA Basic — If you initially buy less than 364 days of coverage, you may buy additional time at a minimum of five days to a total of 364 days. Your original effective date will be used to calculate your deductible, to determine if maximum coverage amounts have been reached, and to determine any pre-existing conditions.
Inbound USA Choice and Elite — If you initially buy less than 364 days of coverage, you may buy additional time at a minimum of five days to a total of 1,092 days (three 364-day periods). A new deductible will apply beginning the 365th day and again the 729th day, if applicable. Your original effective date (day one of your plan) will continue to be used to determine if maximum coverage amounts have been reached and to determine any pre-existing conditions.
You will be emailed a renewal notice before your coverage expires, giving you the option to extend your plan. A $5 administrative fee is charged for each extension along with the premium for the number of days extended.
The extension can only be done before the expiration of the plan. Once the plan expires, a new application will have to be completed.
You can extend your plan here
A full refund of your payment is possible if a written request for cancellation is received before the effective date of coverage. If your request is received after your effective date, the unused portion of the plan cost may be refunded minus a $25 cancellation fee, if you have not submitted any claims to Seven Corners.
You can download the Claims form at Download the Claims Form
To submit a claim, download the form by clicking above. The completed claim form along with itemized bills that have the claimant’s name and nature of injury or illness should be sent to the address below. The form must be signed and dated, and submitted for consideration within 90 days of the date of service.
303 Congressional Boulevard
Carmel, IN 46032
Claims Number: 1.800.335.0477
For or emergency assistance you can call:
Collect Calls Only: 317-818-2809
Inbound USA is underwritten at Lloyds of London and is rated “A” excellent by A. M. Best. The plan is administered by Seven Corners.
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