Inbound® USA — Visitor Insurance

USA travel insurance for non-U.S. residents and non-U.S. citizens

This plan does not cover a claim in any way caused by or resulting from: 1) Coronavirus disease (COVID-19); 2) Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2); 3) Any mutation or variation of SARS-CoV-2; or 4) Any fear or threat of 1, 2, or 3.

Why Should I buy Visitor's Insurance?

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. 


Who can purchase this plan?

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.

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 benefit for details.

Need help? Give us a call!

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 disablement (Injury or Illness), unless otherwise noted. No coinsurance applies.

Inbound USA Basic

Inbound USA Choice

PLAN OPTIONS
Coverage Length
5 days to 364 days
5 days to 364 days
Coverage Extension
Extendable for a total of 364 days
Extendable for a total of 1,092 days
Coverage Area
United States
United States
Covered Ages
14 days to age 99
14 days to age 99
180 Days
180 Days
Ages 14 days to 69 years
$50,000; $100,000; $150,000
Ages 70 to 99 years
$50,000; $100,000
Ages 14 days to 69 years
$50,000; $100,000; $150,000
Ages 70 to 99 years
$50,000; $100,000
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
MEDICAL TREATMENT AND SERVICES
Hospital Room & Board (Includes nursing care, hospital miscellaneous expenses (pre-admission and while hospital confined), operating room, laboratory tests, x-rays, anesthesia, drugs or medicine, therapeutic services, supplies.)

$1,000 per day,
30-day maximum
$2,000 per day,
30-day maximum
Additional $500 per day,
8-day maximum
Additional $750 per day,
8-day maximum
Surgery
(Inpatient & Outpatient)
$3,000
$5,000
Anesthetist
(Inpatient & Outpatient)
$500
$1,000
Assistant Surgeon
(Inpatient & Outpatient)
$500
$1,000
$50 per visit, 1 per day,
30 visits maximum
$75 per visit, 1 per day,
30 visits maximum
$250
$500
$500
$650
$750
$1,000
Diagnostic Basic
(X-rays & Laboratory Tests)
$500 
$750
Diagnostic Comprehensive
(PET, CAT, MRI)
$750
$1,250
$250
$500
Prescription Drugs
$150 per Period of Coverage
$200 per Period of Coverage
Outpatient Surgical Facility and
Day Surgery Miscellaneous
(related to outpatient day surgery and surgery performed in a hospital emergency room, trauma center, physician's office, or clinic.) Includes operating room, lab tests, x-rays, anesthesia, drugs and medicine, therapeutic services, and supplies.
$750
$1,000
OTHER TREATEMENTS AND SERVICES
Initial Orthopedic Prosthesis or Brace
$1,000
$1,250
$1,200
$1,500
Chemotherapy and/or Radiation Therapy
$1,500
$2,000
Same as any Illness
Same as any Illness
$30 per visit, 1 per day,
12 visits maximum
$40 per visit, 1 per day,
 12 visits maximum
Local Ambulance
$250
$500
$25,000
$50,000
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
Ages 80 and older
N/A
$500
$750
$500
$750
$100,000 separate from medical maximum
$100,000 separate from medical maximum
$20,000
$25,000
$5,000
$5,000
$25,000
$50,000
24/7 Travel Assistance Services
Included
Included
$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)
Up to medical maximum
Up to medical maximum

How Inbound USA Insurance Works

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.

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 benefit for details.

Who can buy an Inbound USA plan? 

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.

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:

  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 (must include physician’s recommendation and treatment plan); and
  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:
  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. Eligibility, coverage, and payment or reimbursement is subject to the terms, conditions, provisions, and exclusions in the plan document.

Length of Coverage

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.

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 — 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.


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 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.

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. 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:

  1. The acute onset must occur after the plan’s effective date and prior to the age limit shown in the Schedule of Benefits.
  2. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
  3. Covered expenses must be incurred in the U.S.

Coverage for an acute onset of a pre-existing condition ends on the earlier of:

  1. The condition no longer being considered acute or
  2. 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.

Visitors Health Insurance Insurance Exclusions and Warnings

Exclusions

Refer to the plan document to view exclusions.

Geographic Restrictions

State Restrictions — We cannot sell to persons domiciled in Maryland, Washington, New York, South Dakota, and Colorado.

Country Restrictions — We cannot sell to persons domiciled 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.

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.