Why Choose Inbound® Choice?

Are you planning a trip to the USA for yourself or your family? If so, you need quality medical insurance coverage. Health care in the USA can be expensive and complicated. Inbound Choice has affordable and easy-to-understand options, and it's renewable for up to two years if you need longer term coverage!

Scheduled Benefits — Inbound Choice is a scheduled benefit plan. This means there is a stated limit for each type of covered medical treatment. For example, there is a dollar limit for an emergency room visit. The plan will not pay more than this limit.  

GEOGRAPHIC RESTRICTIONS We cannot accept an address from these locations: Maryland, New York, South Dakota, Washington state, Australia, Canada, Islamic Republic of Iran, Switzerland, Syrian Arab Republic, and the U.S. Virgin Islands.

college students

Benefit payments are subject to the limits shown below.

Swipe chart to view all columns.

 

Age 14 Days To Age 69 Plan A Age 14 Days To Age 69 Plan B Age 14 Days To Age 69 Plan C Age 14 Days To Age 69 Plan D
max per injury/sickness → $50,000 $75,000 $100,000 $130,000
Inpatient
Hospital Room & Board including Laboratory Tests, X-rays, Prescription Medical and other miscellaneous Up to $1,500/day, 30 day max Up to $2,000 per day, 30 day max Up to $2,500/day, 30 ay max Up to $3,000/day, 30 day max
Hospital Intensive Care Unit Additional $500/day, 8 day max Additional $500/day, 8 day max Additional $500/day, 8 day max Additional $800/day, 8 day max
Surgical Treatment Up to $2,100 Up to $4,800 Up to $5,800 Up to $7,200
Anesthetist Up to $500 Up to $750 Up to $1,000 Up to $1,650
Assistant Surgeon Up to $500 Up to $750 Up to $1,000 Up to $1,650
Physician’s Non-Surgical Visits Up to $60/visit, 1/day, 10 visits max Up to $75/visit, 1/day,
10 visits max
Up to $90/visit, 1/day, 10 visits max Up to $115/visit, 1/day, 10 visits max
Consultant Physician, when requested by attending Physician Up to $250 Up to $325 Up to $500 Up to $575
Private Duty Nurse Up to $650 Up to $650 Up to $650 Up to $650
Pre-Admission Tests w/in 7 days
before Hospital admission
Up to $650 Up to $975 Up to $1,300 Up to $1,300
Outpatient
Surgical Treatment Up to $2,100 Up to $4,800 Up to $5,800 Up to $7,200
Anesthetist Up to $500 Up to $750 Up to $1,000 Up to $1,650
Assistant Surgeon Up to $500 Up to $750 Up to $1,000 Up to $1,650
Physician’s Non-Surgical/Urgent Care Visits Up to $60/visit, 1/day, 10 visits Up to $75/visit, 1/day, 10 visits Up to $90/visit, 1/day, 10 visits Up to $115/visit, 1/day, 10 visits
Diagnostic X-rays & Lab Services Up to $250; Additional $325 One CAT scan, PET scan or MRI Up to $375; Additional $325 - One CAT scan, PET scan or MRI Up to $500; Additional $975 - One CAT scan, PET scan or MRI Up to $575; Additional $975 - One CAT scan, PET scan or MRI
Hospital Emergency Room (all expenses incurred therein) Up to $200 max Up to $500 max Up to $575 max Up to $750 max
Prescription Drugs
(per period of coverage period)
Up to $250 Up to $250 Up to $250 Up to $250
Outpatient Surgical Facility Up to $600 Up to $900 Up to $1,200 Up to $1,400
Other
Ambulance Services Up to $500 Up to $500 Up to $500 Up to $500
Initial Orthopedic Prosthesis/Brace Up to $663 Up to $994 Up to $1,325 Up to $1,600
Chemotherapy and/or

 

Radiation Therapy

Up to $663 Up to $994 Up to $1,325 Up to $1,600
Dental Treatment for Injury to Sound, Natural Teeth Up to $650 Up to $650 Up to $650 Up to $650
Mental & Nervous Disorder & Substance Abuse Same as any Sickness Same as any Sickness Same as any Sickness Same as any Sickness
Physiotherapy Up to $45/visit, 1/day, 12visits max Up to $45/visit, 1/day, 12 visits max Up to $45/visit, 1/day, 12 visits max Up to $45/visit, 1/day, 12 visits max
Extended Care Facility Covered under the Hospital Room & Board benefit Covered under the Hospital Room & Board benefit Covered under the Hospital Room & Board benefit Covered under the Hospital Room & Board benefit
Emergency Evacuation $50,000 $50,000 $50,000 $50,000
Return of Remains/
Local Cremation and Burial
$25,000/$5,000 $25,000/$5,000 $25,000/$5,000 $25,000/$5,000
AD&D Principal Sum $25,000 Common Carrier $25,000 Common Carrier $25,000 Common Carrier $25,000 Common Carrier
Acute Onset of a Pre-existing Condition(s) $50,000 per period of coverage for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 per period of coverage for Emergency Medical Evacuation. $75,000 per period of coverage for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 per period of coverage for Emergency Medical Evacuation. $100,000 per period of coverage for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 per period of coverage for Emergency Medical Evacuation. $130,000 per period of coverage for Medical Expense Benefits (subject to the sublimits for each benefit shown above) & $25,000 per period of coverage for Emergency Medical Evacuation.

Rates Effective July 1, 2014

$0 Per Injury/Sickness Deductible Per Person

Plan A Plan B Plan C Plan D
Plan Maximum Options → $50,000 $75,000 $100,000 $130,000
Age ↓ Daily Rates
2 weeks to 18 $1.12 $1.50 $1.66 $2.40
19 to 29 $1.14 $1.37 $1.67 $2.33
30 to 39 $1.29 $1.53 $1.75 $2.28
40 to 49 $1.34 $1.62 $1.83 $2.42
50 to 59 $1.84 $2.16 $2.52 $3.25
60 to 69 $2.16 $2.48 $2.82 $3.67
Dependent Child* $1.05 $1.33 $1.57 $2.28

$50 Per Injury/Sickness Deductible Per Person

Plan A Plan B Plan C Plan D
Plan Maximum Options → $50,000 $75,000 $100,000 $130,000
Age ↓ Daily Rates
2 weeks to 18 $0.95 $1.20 $1.32 $1.93
19 to 29 $0.96 $1.14 $1.33 $1.75
30 to 39 $1.08 $1.27 $1.45 $1.87
40 to 49 $1.14 $1.33 $1.52 $2.00
50 to 59 $1.57 $1.85 $2.09 $2.72
60 to 69 $1.78 $2.07 $2.37 $3.05
Dependent Child* $0.87 $1.20 $1.28 $1.88

$100 Per Injury/Sickness Deductible Per Person

Plan A Plan B Plan C Plan D
Plan Maximum Options → $50,000 $75,000 $100,000 $130,000
Age ↓ Daily Rates
2 weeks to 18 $0.84 $1.10 $1.24 $1.85
19 to 29 $0.86 $1.05 $1.24 $1.62
30 to 39 $1.00 $1.17 $1.35 $1.72
40 to 49 $1.05 $1.24 $1.43 $1.90
50 to 59 $1.43 $1.76 $1.96 $2.64
60 to 69 $1.65 $1.97 $2.38 $2.97
Dependent Child* $0.81 $1.10 $1.14 $1.73

* Dependent Child rate (Ages 2 weeks to 18) is applicable when at least one parent will also be covered under Inbound® Choice.

Length of Coverage

Your coverage length may vary from 5 days to a maximum of 364 days in a period of coverage. Your total period of coverage cannot exceed 728 days (two 364-day periods of coverage). You have the option to renew coverage in any increment of 5 days or more (there is a $5 fee each time you renew).

Coverage Start Date - Coverage will begin on the latest of the following dates:  the day after we receive your application and correct premium if you apply and pay online or by fax; or the day after the postmark date of your application and correct premium if you apply by mail; or the moment you depart your home country; or the date you request on your application. Your coverage start date is the same as your effective date.

Coverage Expiration Date - Your coverage ends at 12:01 A.M. North American Eastern Time on the earlier of the following: the expiration date on your ID card; the 31st day of your trip to your home country; after completion of 364 days of coverage, unless the company agrees to extend coverage upon such expiration (coverage is available up to 2 years); the day you become a U.S. citizen; the date you enter active military service.

Home Country – means the country where you have your true, fixed and permanent residence. For United States Citizens, the Home Country is always the United States.

Important Benefit Highlights

Medical Benefits – If your injury or sickness requires medical treatment, we will pay up to the amounts in the schedule of benefits, minus your deductible. You must receive treatment within 364 days of your injury or sickness.

International Travel Coverage – If you purchase at least 30 days of coverage, you may travel to countries other than 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.


Home Country Coverage –
We will pay up to $50,000 for an illness or injury that occurs while you are on an incidental trip to your home country. You earn covered days at a rate of 30 days per 364 days of purchased coverage.

Emergency Medical Evacuation – We pay up to the limit in the schedule if your medical condition requires immediate transportation from your current medical facility to the closest facility with appropriate care. This benefit must be ordered by a physician. Expenses must be authorized by Seven Corners Assist.

Return of Mortal Remains/Local Cremation or Burial  We will return your remains to your home country if you die while traveling or pay for local burial/cremation at the place of death. 

Common Carrier Accidental Death & 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.

Claims

Filing a claim is easy! Simply send the itemized bill to Seven Corners within 90 days, along with a completed claim form. Payments can be converted to a currency of your choosing. Visit our claims page.

 

Refunds

We will refund your plan cost if we receive a written request from you before your coverage start date. If we receive your request after your coverage start date, the unused portion of your plan cost may be refunded minus a cancellation fee if you have not submitted any claims.

 

Important Information

Inbound Choice is not a general health insurance plan but an interim, limited benefit period, travel medical program intended for use while away from your home country.

This website is a brief summary of benefits and services and is not your plan document. If there is any difference between this website and your plan document, the provisions of the plan document will prevail. Benefits and premiums are subject to change.

It is your responsibility to maintain all records regarding travel history and age and provide necessary documents to Seven Corners to verify eligibility if required.

About Your Insurance Company

Seven Corners will handle your insurance needs from start to finish. We will process your purchase, provide all documents, and handle any claims. In addition, our 24/7 in-house travel assistance team, Seven Corners Assist, will handle your emergency and travel needs. Contact information for Seven Corners Assist is shown on your I.D. card. We have 20+ years of experience serving the needs of travelers worldwide — We are here to help!

Dependable Coverage You can feel confident with Inbound Choice’s strong financial backing through Certain Underwriters at Lloyd’s, London, an established organization with an AM Best rating of “A” (Excellent).

Seven Corners operates under the name, Seven Corners Insurance Services, in California.

The list below is a summary of the exclusions in your plan document. A complete description of the provisions, benefits, and exclusions are listed in the plan document that you will receive after your coverage is issued. View a sample certificate.

  • Pre-Existing Conditions as defined herein. If you are a non-U.S. citizen under age 70, this exclusion is waived for eligible medical expenses for an Acute Onset of a Pre-existing Condition(s) (as defined herein) as shown in the Schedule of Benefits for your chosen plan (Plan A, B, C, and D). Benefits will be administered as stated in section F, Acute Onset of a Pre-Existing Condition(s), for eligible medical expenses incurred in the United States, minus your Deductible and subject to the scheduled limits for benefits as stated in the Schedule of Benefits. For persons age 70 and over, there is no benefit. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to the effective date of this program. Any exclusion specifically listed in General Exclusions and Limitations, numbers 2 through 44, as well as the section entitled Additional Limitations and Exclusions for Elective Surgery and Elective Treatment, will not receive benefits from this waiver;
  • Any loss that occurs while traveling solely for the purpose of obtaining medical treatment, while on a waiting list for a specific treatment, or while traveling against the advice of a Physician;
  • Maximum benefit is reduced to $50,000 for any illness or injury occurring while on an incidental trip to the Insured Person’s Home Country;
  • Routine physical, inoculations or other examinations including but not limited to laboratory, diagnostic, or x-ray examinations where there are no objective indications of impairment of normal health, or well baby care;
  • Eye examinations; prescriptions or fitting of eyeglasses and contact lenses; eyeglasses, contact lenses; eye surgery when the primary purpose is to correct nearsightedness, farsightedness or astigmatism; or other treatment for visual defects and problems. “Visual Defects” means any physical defect of the eye which does or can impair normal vision;
  • Hearing examinations or hearing aids; or other treatment for hearing defects and problems. “Hearing Defects” means any physical defect of the ear which does or can impair normal hearing;
  • Treatment and the provision of false teeth or dentures or dental appliances, normal ear tests and the provision of hearing aids, hearing implants, cosmetic or plastic Surgery (including deviated nasal septum), dental expenses except as specifically provided in the Dental Emergency Treatment benefit;
  • Services or supplies not necessary for the medical care of the patient’s Injury or Sickness;
  • Weak, strained or flat feet, corns, calluses, or toenails;
  • Cosmetic surgery, or treatment for congenital anomalies (except as specifically provided), except reconstructive surgery as the result of a covered Injury or Sickness. Correction of a deviated nasal septum is considered cosmetic surgery unless it results from a covered Injury or Sickness;
  • Elective surgery and elective treatment;
  • Treatment, drugs, diagnostic or surgical procedures in connection with infertility, impotency, artificial insemination, sterilization or reversal thereof, unless infertility is a result of a covered Injury or Sickness;
  • Birth control, including surgical procedures and devices;
  • Routine new-born baby care, well-baby nursery and related Physician charges;
  • Injury sustained while participating in professional, sponsored and/or organized Amateur or Interscholastic Athletics; including but not limited to the event, games, practice, conditioning and any other activity related to professional sponsored and/or organized Amateur of Interscholastic Athletics;
  • Injury sustained while taking part in Mountaineering, hang gliding, parachuting, bungee jumping, racing by any animal or motor vehicle or motorcycle, snowmobiling, motorcycle / motor scooter riding (whether as a passenger or driver), scuba diving involving underwater breathing apparatus (unless PADI or NAUI certified), water skiing, wakeboard riding, jet skiing, windsurfing, snow skiing and snowboarding and any other sport, recreational, athletic, or adventure activity which is undertaken for thrill seeking and exposes the insured to abnormal or extreme risk of injury and/or is in violation of applicable laws, rules, or regulations; Mountaineering shall mean the sport, hobby or profession of walking, hiking, and climbing up mountains either: 1) utilizing harnesses, ropes, crampons or ice axes; or 2) ascending 4500 meters or above.
  • Treatment paid for or furnished under any other individual, government, or group plan; previous plan; payable under any Worker’s Compensation or Occupational Disease Law or Act; or charges provided at no cost to the Insured Person;
  • Occupational Diseases, including but not limited to Disease(s) related to asbestos exposure, and the complications thereof, including asbestosis and mesothelioma related to asbestos exposure;
  • Treatment for human organ or tissue transplants and their related treatment;
  • War, hostilities or warlike operations (whether war be declared or not), Invasion, Act of an enemy foreign to the nationality of the Insured Person or the country in, or over, which the act occurs, Civil war, Riot, Rebellion, Insurrection, Revolution, Overthrow of the legally constituted government, Civil commotion assuming the proportions of, or amounting to, an uprising, Military or usurped power, Explosions of war weapons, Utilization of Nuclear, Chemical or Biological weapons of mass destruction howsoever these may be distributed or combined, Murder or Assault subsequently proved beyond reasonable doubt to have been the act of agents of a state foreign to the nationality of the Insured Person whether war be declared with that state or not, Terrorist activity. For the purpose of this Exclusion; i) Terrorist activity means an act, or acts, of any person, or group(s) of persons, committed for political, religious, ideological or similar purposes with the intention to influence any government and/or to put the public, or any section of the public, in fear. Terrorist activity can include, but not be limited to, the actual use of force or violence and/or the threat of such use. Furthermore, the perpetrators of terrorist activity can either be acting alone, or on behalf of, or in connection with any organization(s) or governments(s). ii) Utilization of Nuclear weapons of mass destruction means the use of any explosive nuclear weapon or device or the emission, discharge, dispersal, release or escape of fissile material emitting a level of radioactivity capable of causing incapacitating disablement or death amongst people or animals. iii) Utilization of Chemical weapons of mass destruction means the emission, discharge, dispersal, release or escape of any solid, liquid or gaseous chemical compound which, when suitably distributed, is capable of causing incapacitating disablement or death amongst people or animals. iv) Utilization of Biological weapons of mass destruction means the emission, discharge, dispersal, release or escape of any pathogenic (disease producing) micro-organism(s) and/or biologically produced toxin(s) (including genetically modified organisms and chemically synthesized toxins) which are capable of causing incapacitating disablement or death amongst people or animals. Also excluded hereon is any Loss or expense of whatsoever nature directly or indirectly arising out of, contributed to, caused by, resulting from, or in connection with any action taken in controlling, preventing, or suppressing any, or all, of the situations described above. In the event any portion of this exclusion is found to be invalid or unenforceable, the remainder shall remain in full force and effect;
  • Suicide or any attempt thereof, or self-destruction or any attempt thereof; intentionally self-inflicted Injury or Illness;
  • Charges of an institution, health service, or infirmary for whose service payment is not required in the absence of insurance;
  • Treatment of nervous or mental disorders, or Treatment in connection with alcohol, drug or chemical abuse, misuse, illegal use, overuse or dependency or use of any drug or narcotic agent; Injury sustained while under the influence of or Disablement due wholly or partly to the effects of intoxicating liquor, chemicals, or drugs or narcotic agent, unless administered under the advice of a Physician and said narcotic agent was taken in accordance with the proper dosing as directed by the physician; unless prescribed by a Physician, except as stated in the Schedule of Benefits for mental or nervous disorders;
  • Loss incurred from riding in any aircraft, other than as a passenger in an aircraft licensed for the transportation of passengers;
  • Treatment, services, supplies or facilities in a Hospital owned or operated by: a) the Veteran’s Administration; or b) a national government or any of its agencies. (This exclusion does not apply to treatment when a charge is made which the Insured is required by law to pay);
  • Duplicate services actually provided by both a certified nurse-midwife and Physician;
  • Expenses payable under any prior plan which was in force for the person making the claim;
  • Expenses incurred during a Hospital emergency room visit which are not of an emergency nature;
  • Expenses incurred for outpatient treatment in connection with the detection or correction by manual or mechanical means of structural imbalance, distortion or subluxation in the human body for purposes of removing nerve interference and the effects thereof, where such interference is the result of or related to distortion, misalignment or subluxation of or in the vertebral column;
  • Injury sustained as the result of the Insured operating a motor vehicle while not properly licensed to do so in the jurisdiction the motor vehicle accident occurs
  • Voluntary or elective abortion;
  • Expenses covered by any other valid and collectible medical, health or accident insurance;
  • Expenses incurred after the date insurance terminates for an Insured Person except as may be specifically provided;
  • Treatment and or diagnosis of venereal disease , including all sexually transmitted diseases and conditions , and any and all consequences thereof;
  • Treatment(s) which is incurred by an Insured Person(s) who is HIV Positive (i.e., infected with the human immunodeficiency virus, the cause of acquired immunodeficiency syndrome) at the time of Application for this Insurance, whether or not the Insured Person(s) was asymptomatic or symptomatic or had knowledge of his/her HIV status on the initial Effective Date of Coverage, or any associated diagnostic tests or charges for HIV infection, seropositivity to the AIDS virus, AIDS related Illness(es), ARC Syndrome, AIDS, and all diseases caused by and/or related to HIV;
  • Treatment(s) for HIV, the AIDS virus, AIDS related Illness(es), ARC Syndrome, AIDS, and all diseases and illnesses caused by and/or related to HIV or arising as complications from these conditions including but not limited to the cost of testing for these conditions and/or charges for drug treatment(s) or surgeries;
  • Treatment for tuberculosis, malaria, cholera, dengue fever and parasitic-sourced illnesses, including but not limited to treatment required as a result of complications from those same diseases, whether or not previously manifested or symptomatic prior to the effective date of the Plan;
  • Charges incurred for treatment or surgeries which are Experimental / Investigational, or for research purposes; expenses which are non-medical in nature, expenses for custodial care, vocational, speech, recreational or music therapy;
  • Expenses for services or supplies which are not recommended, approved and certified as Medically Necessary and reasonable by a Physician;
  • Chiropractic care or complementary medicine including but not limited to acupuncture and massage;
  • Services, supplies, or treatment prescribed, performed or provided by a Relative of the Insured Person or any family member of the Insured Person or anyone who lives with the Insured Person. This includes but is not limited to prescription medication and any diagnostic testing;
  • Diagnosis or treatment of the Temporomandibular joint;
  • Treatment required as a result of complications or consequences of a treatment or for a condition not covered under this Plan;
  • Expenses for home health care, custodial care and/ or daily living, including but not limited to food, housing, or home maker services;
  • Expenses for environmental supplies, including but not limited to handrails, ramps, special telephones, air conditioners, or home delivered meals.
  • Pregnancy expenses or Sickness resulting from pregnancy, childbirth, or miscarriage; or for miscarriage resulting from Injury

Pre-Existing Conditions Pre-existing conditions are defined in detail in the plan document. 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 your coverage on Inbound Choice 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.

Acute Onset Non U.S. Citizens traveling in the United States

We pay up to the specified limit for an acute onset of a pre-existing condition if the condition occurs in the United States during your coverage period, & if you receive treatment 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.

 


 

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