Inbound® USA — Visitor Insurance

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.

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:

1. Outpatient surgeries or procedures;
2. Inpatient surgeries, procedures, or stays including those for rehabilitation;
3. Diagnostic procedures including MRI, MRA, CT, and PET Scans;
4. Chemotherapy;
5. Radiation therapy;
6. Physiotherapy;
7. Extended Care Facility.

To comply with the pre-certification requirements, you must:

1. Contact Seven Corners Assist before the expense is incurred;
2. Comply with Seven Corners Assist’s instructions;
3. 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 or if the expenses are not pre-certified, we will review the expenses to determine if they are covered by the plan. If covered:

1. Covered Expenses will be reduced by $500; and
2. The Deductible will be subtracted from the remaining benefit amount.

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:

• 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.

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.

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:

1. You have no direct or indirect involvement in the terrorist activity.
2. 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 and
3. 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.

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.