Inbound Immigrant
Limited CoverageThis plan has been discontinued as of January 30, 2020. Consider the new and improved plan: Inbound USA Choice. Existing policyholders are eligible to renew their current plan until April 12, 2020. For questions, reach out to support@visitorscoverage.com.
- AM Best Rating
- A (Excellent)
- Carrier/Underwriter
- Lloyd's of London
- Administrator
- Seven Corners
Renewable & Cancelable
Basic Coverage Plan
Coverage from 5 days to 364 days
Urgent Care
COVID-19 Excluded
Inbound Immigrant Insurance covers the visitors who are traveling to USA and provide travel and medical coverage while in the USA.
Inbound Immigrant insurance is a basic travel medical insurance plan that has fixed pre-defined limit for each medical service.
You visit any doctor or hospital of your choice.
Note: Inbound Immigrant Plan is not available for the resident of Maryland (MD) and Washington(WA).
The following benefit table shows how much insurance pays for the given covered medical service. If the actual bill is more, the difference will be your responsibility.
Please review Inbound Immigrant Insurance Brochure 
or Description of Coverage (policy document) for complete and accurate coverage and exclusions.
Applicant's Age 14 days - 69 years
| II $50,000Policy Maximum | II $75,000Policy Maximum | II $100,000Policy Maximum | II $130,000Policy Maximum | |
|---|---|---|---|---|
| Out-Patient | ||||
| Dr. / Physician Visit | ||||
| Up to $60/visit, 10 visits max | Up to $90/visit, 10 visits max | Up to $75/visit, 10 visits max | Up to $115/visit, 10 visits max | |
| Surgical Treatment | ||||
| Up to $2,100 | Up to $4,800 | Up to $5,800 | Up to $7,200 | |
| Prescription Drugs / Medicines | ||||
| Up to $68 | Up to $101 | Up to $135 | Up to $200 | |
| Lab & X-rays | ||||
| Up to $250 Plus $325 for CAT, PET, or MRI | Up to $375 Plus $325 for CAT, PET, or MRI | Up to $500 Plus $975 for CAT, PET, or MRI | Up to $575 Plus $975 for CAT, PET, or MRI | |
| Physical Therapy | ||||
| Up to $45/visit, 12 visits max | Up to $45/visit, 12 visits max | Up to $45/visit, 12 visits max | Up to $45/visit, 12 visits max | |
| In-Patient | ||||
| Hospital Room | ||||
| Up to $1,500/day, 30 day max | Up to $2,000/day, 30 day max | Up to $2,500/day, 30 day max | Up to $3,000/day, 30 day max | |
| Surgical Treatment | ||||
| Up to $2,100 | Up to $4,800 | Up to $5,800 | Up to $7,200 | |
| Hospital Intensive Care Unit | ||||
| Additional $500/day, 8 day max | Additional $500/day, 8 day max | Additional $500/day, 8 day max | Additional $800/day, 8 day max | |
| Emergency Services | ||||
| Ambulance Expenses | ||||
| Up to $500 | Up to $500 | Up to $500 | Up to $500 | |
| Dental | ||||
| Acute, spontaneous and unexpected pain | ||||
| Not Covered | Not Covered | Not Covered | Not Covered | |
| Accidental emergency | ||||
| Up to $650 | Up to $650 | Up to $650 | Up to $650 | |
| Travel | ||||
| Emergency Medical Evacuation / Repatriation | ||||
| $50,000 | $50,000 | $50,000 | $50,000 | |
| Return of Remains | ||||
| $25,000 | $25,000 | $25,000 | $25,000 | |
| Trip Interruption | ||||
| Not Covered | Not Covered | Not Covered | Not Covered | |
| Loss of checked Baggage | ||||
| Not Covered | Not Covered | Not Covered | Not Covered | |
| Life | ||||
| AD&D | ||||
| $25,000 Common Carrier | $25,000 Common Carrier | $25,000 Common Carrier | $25,000 Common Carrier | |
| Other | ||||
| Pre-Existing Conditions | ||||
| Acute Onset of a Pre-existing Condition coverage for age under 70 years $50,000 per policy period medical expense benefits (subject to the sub limits for each benefit shown above) & $25,000 per policy period for medical evacuation | Acute Onset of a Pre-existing Condition coverage for age under 70 years $75,000 per policy period medical expense benefits (subject to the sub limits for each benefit shown above) & $25,000 per policy period for medical evacuation | Acute Onset of a Pre-existing Condition coverage for age under 70 years $100,000 per policy period medical expense benefits (subject to the sub limits for each benefit shown above) & $25,000 per policy period for medical evacuation | Acute Onset of a Pre-existing Condition coverage for age under 70 years $130,000 per policy period medical expense benefits (subject to the sub limits for each benefit shown above) & $25,000 per policy period for medical evacuation | |
| Maternity | ||||
| Up to $2,800 | Up to $2,800 | Up to $2,800 | Up to $2,800 | |
| General Physical full Checkup | ||||
| Not Covered | Not Covered | Not Covered | Not Covered | |
| Terrorism Coverage | ||||
| Not Covered | Not Covered | Not Covered | Not Covered | |
| Brochure | ||||
| Inbound Immigrant Insurance Brochure | Inbound Immigrant Insurance Brochure | Inbound Immigrant Insurance Brochure | Inbound Immigrant Insurance Brochure | |
| Support | ||||
| 24-Hrs Emergency Assistance | ||||
| Yes. Contact Number and details can be found on the ID card. | Yes. Contact Number and details can be found on the ID card. | Yes. Contact Number and details can be found on the ID card. | Yes. Contact Number and details can be found on the ID card. | |
Applicant's Age 70 - 89
| II $75,000Policy Maximum | |
|---|---|
| Out-Patient | |
| Dr. / Physician Visit | |
| Up to $65/visit, 10 visits max | |
| Surgical Treatment | |
| Up to $3350 | |
| Prescription Drugs / Medicines | |
| Up to $100 | |
| Lab & X-rays | |
| Up to $450 Plus $325 for CAT, PET, or MRI | |
| Physical Therapy | |
| Up to $45/visit, 12 visits max | |
| In-Patient | |
| Hospital Room | |
| Up to $1250/day, 30 day max | |
| Surgical Treatment | |
| Up to $3350 | |
| Hospital Intensive Care Unit | |
| Additional $525/day, 8 day max | |
| Emergency Services | |
| Ambulance Expenses | |
| Up to $500 | |
| Dental | |
| Acute, spontaneous and unexpected pain | |
| Not Covered | |
| Accidental emergency | |
| Up to $650 | |
| Travel | |
| Emergency Medical Evacuation / Repatriation | |
| $50,000 | |
| Return of Remains | |
| $25,000 | |
| Trip Interruption | |
| Not Covered | |
| Loss of checked Baggage | |
| Not Covered | |
| Life | |
| AD&D | |
| $25,000 Common Carrier | |
| Other | |
| Pre-Existing Conditions | |
| Not Covered | |
| Maternity | |
| Not Covered | |
| General Physical full Checkup | |
| Not Covered | |
| Terrorism Coverage | |
| Not Covered | |
| Brochure | |
| Inbound Immigrant Insurance Brochure | |
| Support | |
| 24-Hrs Emergency Assistance | |
| Yes. Contact Number and details can be found on the ID card. | |
Plan Administrator Company
Seven Corners
Carrier / Underwriter
Lloyd's of London
Eligibility
Can be purchased by any one travelling outside the home country. Non-United States citizens or any visa holders (e.g. L/H/B1,B2)as well as person on Green Card for temporary coverage in US. can purchase the plan. The Plan must become effective within 24 months of arrival in the United States.
Policy Content
Policy Maximum is the maximum amount that an insurance policy will pay for covered expenses. If you choose a policy with maximum coverage of say $50,000, and your actual bills are $120,000, the insurance will pay only up to $50,000 for the covered expenses as per the policy.
Note: Policy maximum is the outer limit of the insurance company's liability for the covered expenses only. Do not assume that insurance pays for everything up to policy maximum. All applicable limits and exclusions will apply. What policy maximum should I choose?
This type of plan pays based on fixed pre-defined benefits. Higher the policy maximum, better are the benefits. It is a good idea to select a higher policy maximum such as $100,000 or more for better benefits.
Deductible Content
Deductible is the amount that you are responsible for, before insurance company starts paying for any covered expenses. Deductible for this type of plan is applicable once per incident.
Since deductible is per incident for these type of plans. It is a good idea to select a lower deductible such as “0“.
Plan Type
Limited Coverage Plan
Plan pays by a pre-defined fixed benefit table.
AM Best Rating
A (Excellent)
Coverage in U.S.A.
Covered
Coverage outside U.S.A.
Primarily covers in USA (If you buy at least 30 days of coverage, you may travel to countries other than the United States for up to 30 days)
Co-Pay
No Co-pay
(You pay the difference of the fixed benefits defined by the benefit table)
Co-Insurance
No Co-Insurance
(You pay the difference of the fixed benefits defined by the benefit table)
How the Benefits are Paid
After the deductible, plan pays fixed amount based on a pre-defined benefit table for each type of service or treatment.
Coverage Type
Per Incident, Per Injury or Sickness
Deductible Type
Per Incident, Per Injury or Sickness
Renewability
Renewable with $5 fee each time you renew, up to a maximum period of 5 years.
Cancellation
Full refund available if cancelled before start date. Pro-rated refund available after start date if no claims have been made( $25 Cancellation Fee Applicable)
Coverage Length
Min 5 days - 364 days. Can be renewed up to 1820 days (5 continuous and consecutive 364 days policy period.)
Available Deductibles
Choose From: $0, $50, $100
Ages 70 & Over: $200
Available Coverage
Plan A: $50,000 per Incident
Plan C: $100,000 per Incident
Plan D: $130,000 per Incident
Plan B: $100,000 per Incident
Ages 70 & Over
Plan A: $75,000 per Incident
Provider Directory
By Provider, Phone Nos. : 800-335-0477 or 317-575-2656
Plan Brochure
Home Country Definition
The country where the covered person has his/her true, fixed, permanent home and principal establishment.
US States Restrictions
Restricts Maryland (MD), Washington (WA), New York (NY), South Dakota (SD) and Colorado (CO)
Country Restrictions
Not available to the residents of Australia, Cuba, Canada, Islamic Republic of Iran, Switzerland, Syrian Arab Republic, US Virgin Islands, Gambia, Ghana, Nigeria and Sierra Leone.
Inbound Immigrant Insurance FAQs | |
| Q1: Am I eligible for the Inbound Immigrant plan? If you are a non-United States citizen or green card holder traveling to the U.S. for business, pleasure, to study or to immigrate, you are eligible for this plan. Your plan must become effective within 24 months of your arrival in the United States. The minimum coverage period is 5 days and the maximum coverage period is 5 years. | |
| Q2: Can I renew the Inbound Immigrant plan? Yes, you can renew your coverage in an increment of 5 days or more up to 5 years. For each renewal there is a $5 fee. Policy can be renewed online. | |
| Q3: Can I cancel the Inbound Immigrant plan? Yes, you can cancel this plan. If you request for cancellation of the plan, before the effective date you will receive complete refund and if you cancel the plan after the effective day, you will receive a pro-rated refund for the unused portion of the plan, minus a cancellation fee( $25 Cancellation Fee ), provided you have not submitted a claim. | |
| Q4. What does the Inbound Immigrant plan cover? Why is it so much cheaper than the comprehensive plans? The Inbound Immigrant plan is a limited coverage plan and pays its benefits according to a fixed schedule of benefits. This plan is less expensive than comprehensive plans, because the plan provides only basic coverage and has limited or restricted benefits. Benefits may not be adequate in case of any major medical problem. | |
| Q5. The plan says that the deductible is per incident or per injury or sickness. Does this mean I have to pay the deductible each time I make a visit to a Doctor or hospital? No. Per incident / per injury or sickness means that the deductible is one time only for all the services (including doctor visit, pharmacy, lab work, etc.) for one particular sickness/injury. | |
| Q6: Does this plan cover any pre-existing conditions? Yes, the plan does covers for acute onset of pre-existing conditions up to the policy maximum, only once for the policy period for medical expense benefits(subject to sublimit ) for people below 70 years of age. | |
| Q7: Which doctor or hospital can I go to? Inbound Immigrant Insurance is limited coverage plan and does not participate in any PPO Network. You can go to any doctor, hospital or provider of your choice. Depending on the billing pratice of the service provider, they may directly bill to the insurance company or you can pay and file for claim.. | |
| Q8: What information do I need to purchase this insurance? Name(s), date of birth, and passport number of the visitor(s). | |
| Q9. I want to purchase insurance for more than one visitor. Should I purchase two separate policies for them or have a combined policy? The benefits and cost does not differ if you buy individually or combined policies. If the visitors have different travel plans (might be coming together but leaving on different dates, etc.) it is recommended to buy separate policies. Having separate policies gives you more flexibility in renewals and cancellations. | |
| Q10. When will I receive my ID card? The Inbound Immigrant plan is an online insurance policy, once you purchase the policy online you will receive a printable policy in your e-mail. You can print and cut the paper ID card for your record and use it in the event you go to Doctor or hospital. If your premium is over $100 then you will have the option of the ID card sent to your mailing address in addition to the email ID card. | |
| Q11: How do I use this insurance? Please refer to the following article about the policy usage: How to use Visitor Insurance? | |
| Q12: Where can I find the claim information? Please refer to the following article for the claim process: Visitor Insurance Claim Process | |
| Q13: Where can I find answers to other questions I have? Learn more at Visitor Insurance Information section. | |
Disclaimer
Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.
