Why Choose Inbound USA?

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

There are no medical history questions to answer, and you receive your plan documents immediately. 

Do you need J-1 or J-2 Visa Insurance? Choose Options C or D to meet the new requirements.

Scheduled Benefits — Inbound USA 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 
State Restrictions:  We cannot accept an address from Maryland, Washington, New York, South Dakota, and Colorado. 
Country Restrictions:  We cannot accept an address from Australia, Canada, Islamic Republic of Iran, Switzerland, Syrian Arab Republic, the U.S. Virgin Islands, Gambia, Ghana, Nigeria, Sierra Leone.

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

Age 70 to Age 99
Plan J

Age 70 to Age 99
Plan K

max per Injury/Sickness →

$50,000

$75,000

$100,000

$130,000

$50,000

$70,000

Inpatient

Hospital Room & Board including Laboratory Tests, X-rays, Prescription Medical and other miscellaneous

Up to $1,400/day, 30 day max

Up to $1,725/day, 30 day max

Up to $2,000/day, 30 day max

Up to $2,585/day, 30 day max

Up to $1,050/day, 30 day max

Up to $1,470/day, 30 day max

Hospital Intensive Care Unit   

Additional $660/day, 8 day max

Additional $755/day, 8 day max

Additional $850/day, 8 day max

Additional $1,105/day, 8 day max

Additional $460/day, 8 day max

Additional $640/day, 8 day max

Surgical Treatment

Up to $3,300

Up to $4,400

Up to $5,500

Up to $7,150

Up to $2,750

Up to $3,850

Anesthetist

Up to $825

Up to $1,100

Up to $1,375

Up to $1,775

Up to $685

Up to $960

Assistant Surgeon

Up to $825

Up to $1,100

Up to $1,375

Up to $1,775

Up to $685

Up to $960

Physician’s Non-Surgical Visits

Up to $60/visit, 1/day, 30 visits max

Up to $75/visit,1/day, 30 visits max

Up to $85/visit, 1/day, 30 visits max

Up to $115/visit, 1/day, 30 visits max

Up to $55/visit, 1/day, 30 visits max

Up to $75/visit, 1/day, 30 visits max

Consulting Physician, when requested by attending Physician

Up to $450

Up to $475

Up to $500

Up to $650

Up to $400

Up to $560

Private Duty Nurse

Up to $550

Up to $550

Up to $550

Up to $700

Up to $450

Up to $450

Pre-Admission Tests w/in 7 days before Hospital admission

Up to $1,100

Up to $1,100

Up to $1,100

Up to $1,450

Up to $775

Up to $1,085

Outpatient

Surgical Treatment

Up to $3,300

Up to $4,400

Up to $5,500

Up to $7,150

Up to $2,750

Up to $3,850

Anesthetist

Up to $825

Up to $1,100

Up to $1,375

Up to $1,775

Up to $685

Up to $960

Assistant Surgeon

Up to $825

Up to $1,100

Up to $1,375

Up to $1,775

Up to $685

Up to $960

Physician’s Non-Surgical / 

Urgent Care Visits

Up to $60/visit,

1/day, 10 visits max

Up to $75/visit, 

1/day, 10 visits max

Up to $85/visit, 

1/day, 10 visits max

Up to $115/visit,

1/day, 10 visits max

Up to $55/visit, 1/day, 10 visits max

Up to $75/visit, 1/day, 10 visits max

Diagnostic X-rays & Lab Services

Up to $450 - Additional $250

- One CAT scan, PET scan or MRI

Up to $475 – additional $375

- One CAT scan, PET scan or MRI

Up to $500 - Additional $500

- One CAT scan, PET scan or MRI

Up to $650 - Additional $600 

- One CAT scan, PET scan or MRI

Up to $400 - Additional $250 

- One CAT scan, PET scan or MRI

Up to $560 – additional $300

 - One CAT scan, PET scan or MRI

Hospital Emergency Room

(all expenses incurred therein)

Up to $330

Up to $465

Up to $550

Up to $750

Up to $250

Up to $350

Prescription Drugs
(Per Period of Coverage)

Up to $250

Up to $250

Up to $250

Up to $350

Up to $200

Up to $250

Outpatient Surgical Facility

Up to $1,000

Up to $1,050

Up to $1,100

Up to $1,400

Up to $850

Up to $1,190

Other Treatment & Services

Ambulance Services

Up to $450

Up to $475

Up to $475

Up to $475

Up to $450

Up to $450

Initial Orthopedic Prosthesis/brace

Up to $1,100

Up to $1,200

Up to $1,300

Up to $1,700

Up to $850

Up to $1,190

Chemotherapy and/or

Radiation Therapy

Up to $1,100

Up to $1,225

Up to $1,350

Up to $1,750

Up to $850

Up to $1,190

Dental Treatment for Injury to Sound, Natural Teeth

Up to $550

Up to $550

Up to $550

Up to $550

Up to $550

Up to $550

Mental & Nervous Disorder & Substance Abuse

Same as any Sickness

Same as any Sickness

Same as any Sickness

Same as any Sickness

Same as any Sickness

Same as any Sickness

Physiotherapy

Up to $40/visit, 1/day, 12 visits max

Up to $40/visit, 1/day, 12 visits max

Up to $40/visit, 1/day, 12 visits max

Up to $40/visit, 1/day, 12 visits max

Up to $40/visit, 1/day, 12 visits max

Up to $40/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 Covered under the Hospital Room & Board benefit Covered under the Hospital Room & Board benefit

Emergency Evacuation

$50,000

$50,000

$50,000

$50,000

$50,000

$50,000

Return of Remains

$25,000

$25,000

$25,000

$25,000

$25,000

$25,000

Local Cremation or Burial

$5,000

$5,000

$5,000

$5,000

$5,000

$5,000

AD&D Principal Sum

$25,000 Common Carrier

$25,000 Common Carrier

$25,000 Common Carrier

$25,000 Common Carrier

$25,000 Common Carrier

$25,000 Common Carrier

Acute Onset of a Pre-existing Condition 

(the above maximum schedule still applies)

$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 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 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 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 medical evacuation

This benefit is not available if you are 70 or older

This benefit is not available if you are 70 or older

Rates Effective July 14, 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 $1.51 $1.78 $2.04 $2.65
19 to 29 $1.15 $1.41 $1.61 $2.09
30 to 39 $1.28 $1.51 $1.72 $2.25
40 to 49 $1.32 $1.62 $1.79 $2.40
50 to 59 $1.82 $2.14 $2.50 $3.21
60 to 69 $2.16 $2.47 $2.81 $3.65
Dependent Child* $1.43 $1.69 $1.94 $2.52

$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 $1.26 $1.47 $1.69 $2.19
19 to 29 $0.98 $1.17 $1.33 $1.73
30 to 39 $1.07 $1.26 $1.44 $1.86
40 to 49 $1.13 $1.33 $1.51 $1.97
50 to 59 $1.56 $1.82 $2.08 $2.69
60 to 69 $1.78 $2.06 $2.36 $3.04
Dependent Child* $1.22 $1.40 $1.61 $2.08

$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 $1.16 $1.37 $1.57 $2.05
19 to 29 $0.88 $1.06 $1.24 $1.61
30 to 39 $0.98 $1.16 $1.34 $1.69
40 to 49 $1.02 $1.23 $1.42 $1.87
50 to 59 $1.42 $1.75 $1.95 $2.60
60 to 69 $1.64 $1.96 $2.26 $2.95
Dependent Child* $1.10 $1.30 $1.49 $1.95

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

$100 Per Injury/Sickness Deductible Per Person Ages 70 and Older

Plan J Plan K
Plan Maximum Options → $50,000 $75,000
Age ↓ Daily Rates
70 to 74 $2.98 $4.16
75 to 79 $3.28 $4.58
80 to 84 $6.60 $9.26
85 to 89 $9.52 $13.33
90 to 94 $10.30 $14.43
95 to 99 $11.84 $16.56

$200 Per Injury/Sickness Deductible Per Person Ages 70 and Older

Plan J Plan K
Plan Maximum Options → $50,000 $75,000
Age ↓ Daily Rates
70 to 74 $2.55 $3.47
75 to 79 $2.73 $3.82
80 to 84 $5.51 $7.71
85 to 89 $8.11 $11.36
90 to 94 $8.78 $12.29
95 to 99 $10.08 $14.11

Length of Coverage

Your coverage length may vary from 5 days to 364 days. You have the option to renew coverage in whatever increment you choose subject to a 5 day minimum (there is a $5 fee each time you renew). You may apply for a new period of coverage after 364 days if you return to your home country before doing so.

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.  

Coverage Expiration Date - Your coverage ends at 12:01 AM North American Eastern Time on the earlier of the following: the date you return to your home country; 364 days after your effective date; the expiration date on your ID card; the day you become a U.S. citizen or enter into active military service.

Important Benefit Highlights

Medical Benefits If your covered injury or sickness requires medical treatment, we will pay the coverage amounts listed in the schedule of benefits, minus your chosen per person deductible. Treatment must be received within 182 days of the 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.

International Travel Coverage If you buy 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 back to your home country, and it does not extend after your current expiration date.

Emergency Medical Evacuation* If medically necessary:

  1. We will transport you to adequate medical facilities.
  2. We will transport you home after receiving medical treatment related to a medical evacuation.

Return of Mortal Remains* We will return your remains to your home country if you should die while traveling or pay for local burial/cremation at the place of death. *Arrangements for evacuation & return of remains must be made by Seven Corners Assist.

Common Carrier Accidental Death and Dismemberment (AD&D) 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. Your loss must occur within 365 days after the accident date. A description of the covered losses is shown below:

For Loss of Indemnity
Life Principal Sum
Both Hands or Both Feet or Sight of Both Eyes Principal Sum
One Hand and One Foot Principal Sum
Either Hand or Foot and Sight of One Eye Principal Sum
Either Hand or Foot One-Half the Principal Sum
Sight of One Eye One-Half the Principal Sum

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 USA 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.

Medical Providers — When seeking medical care, you may see any provider of your choice. You may visit sevencorners.com for help locating providers in the United States. 

THIS IS NOT QUALIFYING HEALTH COVERAGE (“MINIMUM ESSENTIAL COVERAGE”) THAT SATISFIES THE HEALTH CARE COVERAGE REQUIREMENT OF THE AFFORDABLE CARE ACT. IF YOU DON’T HAVE MINIMUM ESSENTIAL COVERAGE, YOU MAY OWE AN ADDITIONAL PAYMENT WITH YOUR TAXES.

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. We have 20+ years of experience serving the needs of travelers worldwide — We are here to help!

Dependable Coverage Inbound® USA is underwritten by Certain Underwriters at Lloyd’s of London and is rated A “Excellent” by A.M. Best. In addition to being one of the largest insurance entities in the world, Lloyd’s has over 300 years of experience in the international insurance business.

The list below is a summary of the exclusions in the certificate. A complete description of the provisions, benefits, and exclusions are contained in the program summary which you may view online. You will receive this document when your coverage is issued. If there is any difference between this brochure and your program summary, the provisions of the certificate will prevail. View a sample certificate.

No benefits will be paid for loss or expense caused by, contributed to, or resulting from:

  • Pre-existing Conditions. If you are a non-U.S. citizen under age 70, this exclusion is waived for an Acute Onset of a Pre-existing Condition (defined above) as shown in the schedule of benefits for your plan (A, B, C, or D). Benefits will be provided for expenses incurred in the U.S., minus your deductible and subject to the scheduled limits. All other exclusions apply.
  • Travel solely for medical treatment; travel against a Physician’s advice;
  • Expenses which are not medically necessary;
  • Expenses incurred in your home country or country of regular domicile;
  • Routine physicals, inoculations, well-baby care & nursery, new-born baby care; related Physician charges;
  • Eye exams & treatment of visual defects; glasses; contact lenses;
  • Hearing exams, hearing aids; treatment for hearing defects;
  • Dental treatment, unless due to injury to sound, natural teeth;
  • Services or supplies provided by a family member or anyone living with you;
  • Weak, strained or flat feet, corns, calluses, or toenails;
  • Cosmetic surgery, treatment for congenital anomalies (except as specifically provided), except reconstructive surgery due to a covered injury or sickness;
  • Elective surgery & elective treatment;
  • Treatment to promote conception or prevent conception & childbirth;
  • Injury while participating in professional, sponsored &/or organized amateur or interscholastic athletics;
  • Organ transplants;
  • Any consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to, or arising in connection with war, invasion, act of foreign enemy hostilities, warlike operations (whether war be declared or not), or civil war; terrorist activity; nuclear, chemical or biological weapons; (details in program summary);
  • Participation in a riot or civil disorder, commission of or attempt to commit a felony;
  • Suicide or attempted suicide (including drug overdose) while sane or insane; intentionally self-inflicted Injury;
  • Expenses of an institution, health service, or infirmary which does not require payment in the absence of insurance;
  • Treatment of nervous or mental disorders, except as stated in the schedule of benefits; treatment of alcoholism or drug abuse, except as provided for treatment of mental/nervous disorders, according to the schedule of benefits;
  • Loss from riding in any aircraft, other than as a passenger in an aircraft licensed for the transportation of passengers;
  • Treatment, services, or supplies in a hospital owned/operated by: a) The Veteran’s Administration; or b) A national government or its agencies. (This exclusion does not apply to treatment you are required by law to pay);
  • Duplicate services of a certified nurse-midwife and Physician;
  • A hospital emergency room visit not of an emergency nature;
  • Outpatient treatment for the detection or correction by manual or mechanical means of structural imbalance, distortion or sublimation in the human body for purposes of removing nerve interference & the effects thereof, where such interference is the result of or related to distortion, misalignment or subluxation of or in the vertebral column;
  • Injury while taking part in mountaineering where ropes or guides are normally used, hang gliding, parachuting, bungee jumping, racing by horse or motor vehicle or motorcycle, motorcycle/motor scooter riding, scuba diving involving underwater breathing apparatus (unless PADI or NAUI certified), water skiing, snow skiing, snow boarding and snowmobiling;
  • Treatment paid for or furnished under any other individual, government, or group policy; previous policy; Worker’s Compensation or Occupational Disease Law or Act; charges provided at no cost to you;
  • Expense incurred after your expiration date except as may be specifically provided;
  • Treatment for alcohol & drug addiction; use of drugs or narcotic agents; injury/ sickness due to the effects of intoxicating liquor or drugs, unless prescribed by a physician;
  • Sexually transmitted diseases;
  • Pregnancy expenses or sickness resulting from pregnancy, childbirth, or miscarriage; or for miscarriage resulting from injury; or voluntary or elective abortion;
  • Custodial care, educational or rehabilitative care & nursing services in a long term facility, spa, hydroclinic, weight loss clinic, sanatorium, nursing home or similar facilities;
  • Speech therapy, occupational therapy, vocational rehabilitation;
  • Treatment if you are HIV Positive at the time of application for this insurance, whether or not you were asymptomatic or symptomatic or had knowledge of your HIV status on your effective date or any associated diagnostic tests or charges for HIV infection, seropositivity to the AIDS virus, AIDS related Illnesses, ARC Syndrome, AIDS, & all diseases caused by &/or related to HIV;
  • Treatment for HIV, the AIDS virus, AIDS related illnesses, ARC Syndrome, AIDS, & all diseases & illnesses caused by &/or related to HIV or complications from these conditions, including the cost of testing for these conditions &/or charges for treatment.

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, and if you receive treatment in the United States within 24 hours of the sudden and unexpected recurrence. A pre-existing condition that is chronic, congenital or gradually worsens over time is not covered.

Home Country means the country where the insured person(s) has his or her true, fixed and permanent residence. For United States Citizens, the Home Country is always the United States.

 

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