Compare Visitor Health Insurance Benefits
All coverages and plan costs are shown in United States dollar amounts. All Medical and Dental benefits are subject to the Deductible. All benefits are per person, per Injury or Illness, unless otherwise noted. No Coinsurance applies.
Length of Coverage
5 days to 364 days
5 days to 364 days
(extend up to 1,092 days)
5 days to 364 days
(extend up to 1,092 days)
Ages
14 days to age 99
14 days to age 99
14 days to age 69
Benefit Period
180 Days
180 Days
180 Days
This is the amount of time (180 days) you have from the date of your injury or illness to receive treatment. If your coverage ends during your benefit period, you can still receive treatment if you are outside your home country.
Medical Treatment & Services
Medical Maximum
Options
(Per person, per Injury or Illness)
Ages 14 days to 69 years
$50,000; $75,000; $100,000; $125,000; $150,000
Ages 70 to 99 years
$50,000; $75,000; $100,000
Ages 14 days to 69 years
$50,000; $75,000; $100,000; $125,000; $150,000
Ages 70 to 99 years
$50,000; $75,000; $100,000
Ages 14 days to 69 years
$50,000; $75,000; $100,000; $125,000; $150,000
Ages 70 to 99 years
N/A
We cover injuries and illnesses that occur during your coverage period. Benefits are paid in excess of your deductible up to the medical treatment and services maximum shown in the schedule of benefits. Initial treatment must occur within
30 days of the date of injury or onset of illness.
Deductible Options
(Per person, per Injury or Illness)
Ages 14 days to 69 years
$0; $50; $100
Ages 70 to 99 years
$100; $200
Ages 14 days to 69 years
$0; $50; $100
Ages 70 to 99 years
$100; $200
Ages 14 days to 69 years
$0; $50; $100
Ages 70 to 99 years
N/A
This is the amount you must pay per injury or illness before the plan begins paying.
Hospital Room & Board, including Laboratory Tests, X-Rays, Prescription Medication, Extended Care Facility and other
Hospital Miscellaneous Expenses
Up to $1,000/day,
30 day maximum
Up to $2,000/day,
30 day maximum
Up to $3,000/day,
30 day maximum
Hospital Intensive
Care Unit
Additional $500/day,
8 day maximum
Additional $750/day,
8 day maximum
Additional $1,000/day,
8 day maximum
This is a Cardiac care unit or other unit or area of a Hospital that meets the required standards of the Joint Commission on Accreditation of Hospitals for Special Care Units.
Surgery
(Inpatient & Outpatient)
Up to $3,000
Up to $5,000
Up to $7,500
Anesthetist
(Inpatient & Outpatient)
Up to $500
Up to $1,000
Up to $1,500
Assistant Surgeon
(Inpatient & Outpatient)
Up to $500
Up to $1,000
Up to $1,500
Physician Non-Surgical Visits, including Urgent Care
(Inpatient & Outpatient)
Up to $50/visit, 1/day,
30 visits maximum
Up to $75/visit, 1/day,
30 visits maximum
Up to $100/visit, 1/day,
30 visits maximum
Consulting Physician
when requested by attending Physician
Up to $250
Up to $500
Up to $750
Private Duty Nursing
Up to $500
Up to $650
Up to $800
Pre-Admission Tests
within 7 days of Hospital admission
Up to $750
Up to $1,000
Up to $1,500
Diagnostic Basic
(X-ray & Laboratory Tests)
Up to $500
Up to $750
Up to $1,000
Diagnostic Comprehensive
(PET, CAT, MRI)
Up to $750
Up to $1250
Up to $1,750
Hospital Emergency Room
Up to $250
Up to $500
Up to $750
Prescription Drugs
Up to $150 Per Period of Coverage
Up to $200 Per Period of Coverage
Up to $250 Per Period of Coverage
Outpatient Surgical Facility
Day surgery miscellaneous, related to Outpatient scheduled Surgery performed at a Hospital or licensed Outpatient Surgery center; including the cost of the operating room, anesthesia, drugs and medicines and
medical supplies.
Up to $750
Up to $1,000
Up to $1,500
Other Treatment & Services
Ambulance Services
Up to $250
Up to $500
Up to $750
Initial Orthopedic Prosthesis/Brace
Up to $1,000
Up to $1,250
Up to $1,500
Durable Medical
Equipment
Up to $1,200
Up to $1,500
Up to $1,700
Durable medical equipment (DME) is equipment that helps you complete your daily activities.
Chemotherapy and/or Radiation Therapy
Up to $1,500
Up to $2,000
Up to $2,500
Dental Emergency -
Accident Coverage
Up to $500
Up to $750
Up to $1,000
The plan can pay for emergency treatment to repair or replace sound natural teeth damaged because of an accidental injury caused by external contact with a foreign object. You are not covered if you break a tooth while eating or biting
into a foreign object.
Dental Emergency -
Sudden Relief of Pain*
Up to $500
Up to $750
Up to $1,000
The plan can pay for emergency treatment for the relief of pain to sound natural teeth.
Mental & Nervous Disorder & Substance Abuse
Same as any Illness
Same as any Illness
Same as any Illness
Physiotherapy
(Inpatient & Outpatient)
Up to $30/visit, 1/day,
12 visits maximum
Up to $40/visit, 1/day,
12 visits maximum
Up to $50/visit, 1/day,
12 visits maximum
This means physical therapy, recommended by a Physician as Medically Necessary for the treatment of a specific Injury or Illness. It must be administered by a licensed physical therapist and be intended to improve, adapt or restore functions
which have been impaired or permanently lost as a result of a covered Illness or Injury and involve goals an individual can reach in a Reasonable Period of Time.
Emergency Medical
Evacuation
$100,000
$100,000
$100,000
If medically necessary, we will pay and arrange to transport you to the nearest adequate medical facilities. This benefit must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist will result in a denial of benefits.
Return of Mortal Remains
$20,000
$25,000
$30,000
We can pay reasonable expenses for embalming, a minimally-necessary container for transportation, shipping costs, and government authorizations to return your remains to your home country if you die while outside your home country. The
plan pays regardless of whether your death is related to a pre-existing condition. You cannot use this benefit if you use the Local Cremation or Burial benefit. This benefit must be arranged by Seven Corners Assist. Failure to use
Seven Corners Assist will result in a denial of benefits.
Local Cremation / Burial
$5,000
$5,000
$5,000
This benefit can pay reasonable expenses for the preparation and either your local burial or cremation if you die while outside your home country. The plan pays regardless of whether your death is related to a pre-existing condition. You
cannot use this benefit if you use the Return of Mortal Remains benefit. This benefit must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist will result in a denial of benefits.
Terrorism
$25,000
$50,000
$50,000
If you are injured as a result of terrorist activity, we will provide medical benefits if the following conditions are met:
- You have no direct or indirect involvement in the terrorist activity.
- The Terrorist Activity is not in a country/location where the U.S. government has issued a Level 3 Terrorism, Level 3 Civil Unrest, or any Level 4 Travel Advisory or the appropriate authorities of your host country or your home country
have issued similar warnings, any of which have been in effect within 6 months before your date of arrival.
- You departed the country/location following the date a warning to leave was issued by the U.S. government or the appropriate authorities of your host country or your home country.
Incidental trips to
Home Country*
$25,000
$50,000
$50,000
This covers an illness or injury that begins on an incidental trip in your home country. You earn covered days at home at approximately 5 days per month up to 60 days for every 364 days of purchased coverage. Unused days do not carry over
to a subsequent 364-day period. It does not cover pre-existing conditions or an illness or injury that began while you were outside your home country.
Common Carrier AD&D
$25,000 per Insured Person
(aggregate limit of $125,000 per any one Accident)
$25,000 per Insured Person (aggregate limit of $125,000 per any one Accident)
$25,000 per Insured Person
(aggregate limit of $125,000 per any one Accident)
This benefit pays funds if you die because of an injury caused by an accident that occurred while you were a passenger on a common carrier. A common carrier is a public air conveyance that transports passengers for hire.
International Travel
Coverage*
Up to Medical Maximum
Up to Medical Maximum
Up to Medical Maximum
The benefit can cover you up to 14 days when you travel to countries other than the United States. It does not cover travel to your home country, and it does not extend after your expiration date. This benefit must be used during your
current period of coverage, and the trip must originate in the United States.
Acute Onset of
Pre-Existing Conditions
Ages 14 days to 69 years
Up to $50,000
Ages 70 to 79 years
Up to $25,000
Age 80 and older
N/A
Ages 14 days to 69 years
Up to $75,000
Ages 70 to 79 years
Up to $25,000
Age 80 and older
N/A
Ages 14 days to 69 years
Up to $100,000
Ages 70 to 99 years
N/A
Many travel insurance plans do not cover pre-existing conditions. Inbound USA covers them through the acute onset of pre-existing conditions benefit. An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence
of a pre-existing condition:
- That occurs spontaneously and without advanced warning either in the form of physician recommendations or symptoms and requires urgent care;
- That occurs while you are covered and prior to the age limit shown in the Schedule of Benefits; and
- For which treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
Covered expenses must be incurred in the United States, and the deductible applies.
See the Pre-existing Conditions Coverage tab of this web page to learn more.
This waiver applies for eligible medical expenses
for the first acute onset of a pre-existing condition during your coverage period.
How Visitor Medical Insurance Works
Length of Coverage
Coverage Length — 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).
Effective Date — This is the start date of your plan, on the later of the following: 1) 12 a.m. the day after we receive your application and correct payment if you apply online ; 2) The moment you depart your home country;
3) 12 a.m. on the date you request on your application.
Expiration Date — This is the date coverage ends, which is the earliest of the following: 1) The moment you return to your home country (except for coverage provided by the Incidental Trips to Home Country benefit); 2) 11:59
p.m. on the date you reach the maximum period of coverage; 3) 11:59 p.m. on the date shown on your ID card; 4) 11:59 p.m. on the date that is the end of the period for which you paid premium; or 5) The moment you fail to be eligible for the plan.
All times above refer to United States Eastern Time.
EXTENDING YOUR COVERAGE
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.
How do I extend my plan?
We will email you a renewal notice before your coverage expires, giving you the option to extend your plan. A $5 administrative fee is charged for each extension.
Where can I travel?
If you wish to buy this plan, your travel destination must be the USA. The plan provides limited coverage for travel to additional countries for trips that originate in the USA. See the International Travel Coverage section of this brochure for details.
Excess Insurance
All coverages except Common Carrier Accidental Death & Dismemberment are in excess of all other insurance or similar benefit programs and shall apply only when such benefits thereunder are exhausted. This Plan is secondary coverage to any
other insurance. Such other insurance or similar benefit programs may include, but are not limited to, membership benefit; workers’ compensation benefits or programs; government programs; group or blanket coverage; prepayment coverage;
union, labor, or employee plans; socialized insurance program or program otherwise required by law or statute; automobile insurance; or third-party liability insurance.
Pre-Certification
The following expenses must always be pre-certified for treatment in the United States:
- Outpatient surgeries or procedures;
- Inpatient surgeries, procedures, or stays including those for rehabilitation;
- Diagnostic procedures including MRI, MRA, CT, and PET Scans;
- Chemotherapy;
- Radiation therapy;
- Physiotherapy (must include physician’s recommendation and treatment plan); and
- Extended Care Facility.
To comply with the pre-certification requirements, you must:
- Contact Seven Corners Assist before the expense is incurred;
- Comply with Seven Corners Assist’s instructions;
- Notify all medical providers of the pre-certification requirements and ask them to cooperate with Seven Corners Assist.
Once we pre-certify your expenses, we will review them to determine if they are covered by the plan. If you do not comply with the pre-certification requirements:
- Covered expenses will be reduced by $500; and
- The deductible will be subtracted from the remaining benefit amount.
Pre-certification does not guarantee coverage, payment, or
reimbursement. Eligibility, coverage, and payment or reimbursement is subject to the terms, conditions, provisions, and exclusions in the plan document.
Finding Medical Providers
Inside the United States — With the Inbound USA plan, you may seek treatment from any medical facility or provider you wish.
You can find a list of medical providers throughout the United States at sevencorners.com/help/find-a-doctor or by contacting Seven Corners Assist. You are not required to use providers
from the list.
Outside of the United States — Seven Corners has a large international network of providers, and many of them have agreed to bill us direct for treatment they provide. We recommend you contact us for a referral, but you
may seek treatment at any facility.
Utilizing the network does not guarantee benefits or that
the treating facility will bill Seven Corners direct. We do
not guarantee payment to a facility or individual until we
determine the expense is covered by the plan.
Refund Policy for Visitor Health Insurance
We will refund your payment if we receive your written request for a refund before your 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.
Underwriter
You can feel confident with Inbound USA’s strong financial backing through Certain Underwriters at Lloyd’s, London1 an established organization with an AM Best rating of A (Excellent). Your coverage will be there when you
need it.
Administrator
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 own 24/7 in-house travel assistance team, Seven Corners Assist, will handle your
emergency or travel needs.
1In specific scenarios, coverage is provided by Tramont Insurance Company Limited. For details regarding Tramont, visit tramontinsurance.com.
Do you have a J Visa? Do you need J Visa travel insurance? If so, our
Liaison Student Travel Insurance plan is a good choice for you. All of our student plans meet J visa requirements
if you choose a medical maximum of $100,000 or more and a deductible that is not greater than $500.
Pre-existing Conditions Coverage for Visitor Health Insurance
What is a Pre-existing Condition? It is any medical condition, sickness, injury, illness, disease, mental illness or mental or nervous disorder, including congenital, chronic, subsequent, or recurring complications or related or resulting consequences
that existed with reasonable medical certainty when you bought the plan or any time in the 36 months before your coverage on this plan began, whether or not 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 or 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 36 months immediately preceding the start date of this plan.
How do we Cover Pre-existing Conditions on Visitor Health Insurance?
Typically, travel insurance plans do not cover pre-existing conditions. We cover them on Inbound USA through the Acute Onset of a Pre-existing Condition benefit.
Acute Onset of a Pre-existing Condition
See the schedule of benefits for details including dollar amounts and age restrictions. Coverage varies by age and plan.
See the Acute Onset of a Pre-existing Condition benefit section to learn how the coverage works.
What is an Acute Onset of a Pre-existing Condition?
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.
Inbound USA Exclusions
Unless otherwise specifically provided for in the plan document, the coverage provided by the Certificate under Medical Covered Expenses, Ambulance Services, Incidental Trips to Home Country, Acute Onset of Pre-Existing Conditions, Dental Emergency
(Sudden Relief of Pain), Dental Emergency (Accident Coverage) Emergency Medical Evacuation, Return of Mortal Remains, Local Burial or Cremation, Terrorist Activity, Common Carrier Accidental Death ad Dismemberment, and International Travel Coverage
excludes expenses that are for, resulting from, related to, or incurred for the following:
- Pre-Existing Condition(s) except as waived under Acute Onset of Pre-Existing Condition(s); Return of Mortal Remains and Local Burial or Cremation in the plan document.
- Claims not received by the Company or Administrator within ninety (90) days of the date of service;
- Treatment that is Investigational, Experimental, or for research purposes;
- Treatment, services, or supplies that are not administered by or under the supervision of a Physician or Surgeon and products that can be purchased without a Physician’s or Surgeon’s prescription;
- Routine physicals, inoculations, or other examinations or tests conducted when there is no objective indications or impairments in normal health;
- Chiropractic care or acupuncture;
- Services, supplies, medications, testing, or Treatment prescribed, performed, or provided by a Relative or Immediate Family Member;
- False teeth, dentures, dental appliances, dental expenses, normal ear or hearing tests, hearing aids, hearing implants, eye refractions, eye examinations for prescribing corrective lenses or eye-glasses unless caused by Accidental Injury, eyeglasses,
contact lenses, or eye surgery when the primary purpose is to correct nearsightedness, farsightedness, or astigmatism;
- Replacement of artificial limbs, eyes, larynx, and orthotic appliances;
- Custodial Care, Educational or Rehabilitative Care, or any Treatment in any establishment for the care of the aged;
- Vocational, occupational, sleep, speech, recreational, art, or music therapy;
- Pregnancy, Illness or complications from Pregnancy, childbirth, abortion, miscarriage including that resulting from an Accident, postnatal care, preventing conception or childbirth, artificial insemination, infertility, impotency, sexual dysfunction,
or sterilization or reversal thereof;
- Sleep apnea or other sleep disorders;
- Mental and Nervous Disorders unless specifically covered herein, Rest Cures, learning disabilities, attitudinal disorders, or disciplinary problems;
- Congenital abnormalities and conditions arising out of or resulting therefrom.
- Temporomandibular joint;
- Occupational Diseases;
- Exposure to non-medical nuclear radiation or radioactive materials;
- Sexually transmitted diseases, venereal diseases, and conditions and any consequences thereof;
- Acquired Immune Deficiency Syndrome (AIDS), AIDS-Related Complex (ARC), or the Human Immunodeficiency Virus (HIV);
- Human organ or tissue transplants.
- Exercise programs whether prescribed or recommended by a Physician or therapist;
- Weight reduction programs or the surgical Treatment of obesity including, but not limited to, wiring of the teeth and all forms of intestinal bypass Surgery;
- Cosmetic or plastic Surgery including deviated nasal septum; modifications of Your physical body intended to improve Your psychological, mental, or emotional well-being including, but not limited to, sex-change Surgery;
- Acne, moles, skin tags, disease of sebaceous glands, seborrhea, sebaceous cyst, unspecified disease of the sebaceous glands, hypertrophic and atrophic conditions of skin, nevus;
- Hazardous Activities;
- Injuries sustained while participating in professional Athletics, amateur Athletics, or interscholastic Athletics including, but not limited to, events, games, matches, practice, training camps, sport camps, conditioning, and any other activity
related thereto and excluding non-competitive, recreational, or intramural activities;
- Abuse, misuse, illegal use, overuse, or being under the influence of alcohol, drugs, chemicals, or narcotic agents unless administered under the advice of a Physician and taken in accordance with the proper dosing as directed by the Physician;
- Suicide or any attempt thereof; self-destruction or any attempt thereof; or any intentionally self-inflicted Injury or Illness;
- Terrorist Activity except as provided in the plan document; War, Hostilities, or War-Like Operations;
- Commission of a criminal offense or any other criminal or illegal activity as defined by the local governing body;
- You unreasonably fail or refuse to depart a country or location following the date a warning to leave that country or location is issued by the United States government or similar warnings issued by other appropriate authorities of either Your
Host Country or Your Home Country;
- Service in the military, naval, coast guard, or air service of any country or while on duty as a member of a police force or unit;
- Treatment paid for or furnished under any other individual, government, or group policy or Expenses incurred at no cost to You;
- You while in Your Home Country unless covered under Incidental Trips to Home Country in the plan document;
- Conditions for which travel was undertaken to seek Treatment after Your Physician has limited or restricted travel;
- Travel accommodations;
- Injury sustained while You are riding as a pilot, student pilot, operator, or crew member, in or on, boarding or alighting, from any type of aircraft;
- Injury sustained while You are riding as a passenger in any aircraft (i) not having a current and valid Airworthy Certificate and (ii) not piloted by a person who holds a valid and current certificate of competency for piloting such aircraft;
- Flying in any aircraft being used for acrobatic or stunt flying, racing, endurance tests, rocket-propelled aircraft, crop dusting or seeding or spraying, firefighting, exploration, pipe or power line inspection, any form of hunting or herding,
aerial photography, banner towing, or any experimental purpose;
- Participating in contests of speed or riding or driving in any type of competition; and
- 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;
- This plan does not cover a claim in anyway by or resulting from:
- Coronavirus disease (COVID-19);
- Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2);
- Any mutation or variation of SARS-CoV-2; or
- Any fear or threat of 1, 2, or 3.
Visitor Health Insurance Warnings
Geographic Restrictions
State Restrictions — We cannot accept an address in Maryland,
Washington, New York, South Dakota, and Colorado.
Country Restrictions — We cannot accept an address in Cuba,
Islamic Republic of Iran, Syrian Arab Republic, United States Virgin
Islands, Gambia, Ghana, Nigeria, Sierra Leone, and Democratic People’s
Republic of Korea (North Korea).
Destination Restrictions — For International Travel Coverage,
we cannot cover trips to Antarctica, Islamic Republic of Iran, Syrian
Arab Republic, Cuba, and Democratic People’s Republic of Korea
(North Korea).
Important Information Regarding Your Coverage
Please be aware this coverage 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 brochure is intended as a brief summary of benefits and services. It is not your plan document. If there is any difference between this brochure 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 your eligibility for coverage.
PPACA DISCLAIMER
Patient Protection and Affordable Care Act: 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.
How to Submit a Visitor Health Insurance Claim
- Gather your receipts, reports, and any other paperwork related to your claim.
Use this document reference guide to help figure out what documents you need to gather. - Select and complete the appropriate proof of loss form. You may fill out the claim form in Adobe Acrobat (PDF) or print the form to complete your claim. (How do I save a PDF form?)
- Submit your proof of loss form and other paperwork here: