If you’re traveling to the United States, you should be aware medical expenses in the USA are some of the most expensive in the world. That’s why it’s important to consider a travel medical insurance plan like Inbound USA to protect you if you become sick or hurt on your trip. Because it has scheduled benefits, it is priced affordably even for longer trips, and it includes 24/7 multilingual travel assistance services provided by an experienced team who can help you find medical care.
Non-United States citizens who are traveling to the USA can buy Inbound USA. You may buy coverage for yourself, your spouse, your children, and your traveling companions. To be covered, you must be at least 14 days of age and younger than 100 years of age.
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 benefit for details.
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 disablement (Injury or Illness), unless otherwise noted. No coinsurance applies.
Inbound USA Basic
Inbound USA Choice
This is the amount of time (180 days) you have from the date of your injury or illness to receive treatment. If your plan ends during your benefit period, you can still receive treatment if you are outside your home country. Each injury or illness receives one benefit period.
Example: If you break your leg on January 1 while on your trip and covered by the plan, you have 180 days from January 1 (until June 30) to receive treatment for your leg. If your plan ends on June 1, you still have until June 30 to receive treatment for your leg if you are outside your home country.
You select the dollar amount for this limit. It is the limit for each injury or illness (disablement) that occurs during your period of coverage. We cover injuries and illnesses that occur during your coverage period. Benefits are paid in excess of your deductible up to the medical maximum. Disablement is an illness or injury and includes all bodily disorders due to the same or related causes.
Initial treatment must occur within 30 days of the date of injury or onset of illness.
This is the amount you must pay per injury or illness before the plan begins paying.
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.
Telehealth Consultations or Care includes long-distance or remote (i) health-related services and information, (ii)treatment of injury or illness, or (iii) other live consultations, each of which involves an insured person and a physician or nurse practitioner at different locations using telecommunications technologies including internet, phone, video, audio, and computers.
Considered a covered medical expenses when requested and approved by the attending Physician.
Private Duty Nursing Services includes:
i. Private duty nursing care only; and
ii. While Hospital confined; and
iii. Ordered by a licensed Physician; and
iv. Medically Necessary.
General
nursing care provided by the Hospital is not covered under this benefit.
Limited to routine tests such as complete blood count, urinalysis, and chest x-ray when administered within seven days of Hospital admission.
Only in connection with a Medical Emergency as defined in the plan document. Benefits will be paid for the use of the emergency room and supplies.
Durable medical equipment (DME) is equipment that helps you complete your daily activities.
Benefits are limited to one Physician’s visit per day.
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.
The following expenses must always be pre-certified in the United States:
To comply with the pre-certification requirements, you must:
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 or if the expenses are not pre-certified, we will review the expenses to determine if they are covered by the plan. If covered:
Pre-certification does not guarantee coverage, payment, or reimbursement.
Contact information for Seven Corners Assist is provided on your ID card.
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. Coverage is available if your period of coverage is greater than 30 days.
Many travel insurance plans do not cover pre-existing conditions. Inbound USA covers them through the acute onset of pre-existing conditions benefit. This waiver applies for eligible medical expenses for the first acute onset of a pre-existing condition during your coverage period. An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition:
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.
The plan can pay for emergency treatment for the relief of pain for sound natural teeth. Coverage is available if your period of coverage is greater than 30 days.
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.
If medically necessary, we will pay and arrange to transport you to the nearest adequate medical facilities. The plan pays regardless of whether your evacuation is related to a pre-existing condition. This benefit must be arranged by Seven Corners Assist. Failure to use Seven Corners Assist may result in a denial of benefits.
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 may result in a denial of benefits.
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 may result in a denial of benefits.
If you are injured as a result of terrorist activity, we will provide medical benefits if the following conditions are met:
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.
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. Coverage is available if your period of coverage is greater than 30 days.
Once you complete your purchase, you will immediately receive a receipt, a summary of your benefits, an ID card, and a copy of the plan document. The plan document is the legal document that explains how your coverage works and describes all benefits and exclusions for our international health insurance plan. We recommend you read your plan document, so you understand how your Inbound USA insurance plan works.
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 benefit for details.
Non-United States citizens who are traveling to the USA can buy Inbound USA. You may buy coverage for yourself, your spouse, your children, and your traveling companions. To be covered, you must be at least 14 days of age and younger than 100 years of age.
You may not buy this plan if you have already received a Green Card/Permanent Resident Card for the United States.
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.
The following expenses must always be pre-certified for treatment in the United States:
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.
Coverage Length — Your coverage length may vary from 5 to 364 days for both plan options. You can extend the Inbound USA Choice plan 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.
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 — 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.
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 directory 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.
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.
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.
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.
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. Review 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:
Coverage for an acute onset of a pre-existing condition ends on the earlier of:
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.
Refer to the plan document to view exclusions.
State Restrictions — We cannot sell to persons domiciled in Maryland, Washington, New York, South Dakota, and Colorado.
Country Restrictions — We cannot sell to persons who are a resident of Cuba, Democratic People's Republic of Korea (North Korea), Gambia, Ghana, Islamic Republic of Iran, Nigeria, Russian Federation, Sierra Leone, Syrian Arab Republic, and United States Virgin Islands.
Destination Restrictions – We cannot cover trips to Antarctica, Cuba, Democratic People’s Republic of Korea (North Korea), Islamic Republic of Iran, Russian Federation, and Syrian Arab Republic.
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.
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.
Brochure
Plan Documents
This website is intended as a brief summary of benefits and services. It is not part of your plan document and does not contain a complete summary of your coverage. If there is any difference between this website and your plan document, the provisions
in the plan document will prevail. Benefits and premiums are subject to change. Coverage may vary and may not be available in all jurisdictions.
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.
It is your responsibility to maintain all records
regarding travel history, age, and provide necessary
documents to Seven Corners to verify your eligibility
for coverage.