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Inbound Immigrant

Limited Coverage
AM Best Rating
A (Excellent)
Carrier/Underwriter
Seven Corners
Administrator
Lloyd's of London
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Renewable & Cancelable
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Basic Coverage Plan
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Coverage from 5 days to 364 days
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Urgent Care
  • Cannot accept an address in Colorado (CO), Maryland (MD), New York (NY), South Dakota (SD) & Washington (WA).
BUY

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 brochure or Description of Coverage brochure (policy document) for complete and accurate coverage and exclusions.

Applicant's Age 14 days - 69 years

II

$50,000

Policy Maximum
II

$75,000

Policy Maximum
II

$100,000

Policy Maximum
II

$130,000

Policy Maximum
Out-Patient   
Dr. / Physician Visit   
Up to $60/visit, 10 visits maxUp to $90/visit, 10 visits maxUp to $75/visit, 10 visits maxUp to $115/visit, 10 visits max
Surgical Treatment   
Up to $2,100Up to $4,800Up to $5,800Up to $7,200
Prescription Drugs / Medicines   
Up to $68Up to $101Up to $135Up to $200
Lab & X-rays   
Up to $250 Plus $325 for CAT, PET, or MRIUp to $375 Plus $325 for CAT, PET, or MRIUp to $500 Plus $975 for CAT, PET, or MRIUp to $575 Plus $975 for CAT, PET, or MRI
Physical Therapy   
Up to $45/visit, 12 visits maxUp to $45/visit, 12 visits maxUp to $45/visit, 12 visits maxUp to $45/visit, 12 visits max
 
In-Patient   
Hospital Room   
Up to $1,500/day, 30 day maxUp to $2,000/day, 30 day maxUp to $2,500/day, 30 day maxUp to $3,000/day, 30 day max
Surgical Treatment   
Up to $2,100Up to $4,800Up to $5,800Up to $7,200
Hospital Intensive Care Unit   
Additional $500/day, 8 day maxAdditional $500/day, 8 day maxAdditional $500/day, 8 day maxAdditional $800/day, 8 day max
 
Emergency Services   
Ambulance Expenses   
Up to $500Up to $500Up to $500Up to $500
 
Dental   
Acute, spontaneous and unexpected pain   
Not CoveredNot CoveredNot CoveredNot Covered
Accidental emergency   
Up to $650Up to $650Up to $650Up 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 CoveredNot CoveredNot CoveredNot Covered
Loss of checked Baggage   
Not CoveredNot CoveredNot CoveredNot 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 $2,800Up to $2,800Up to $2,800Up to $2,800
General Physical full Checkup   
Not CoveredNot CoveredNot CoveredNot Covered
Terrorism Coverage   
Not CoveredNot CoveredNot CoveredNot Covered
Brochure   
Inbound Immigrant Insurance Brochure brochureInbound Immigrant Insurance Brochure brochureInbound Immigrant Insurance Brochure brochureInbound Immigrant Insurance Brochure 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

$75,000

Policy 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 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

What is Policy Maximum?

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.

Note: These suggestions are based on generic guidelines of how the insurance policy works and what can be the best possible combination for maximum benefit from this type of policy.

Deductible Content

Deductible Per Incident
What is Deductible?

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.


For example: If you visit a doctor for a medical problem, and after consultation, the doctor prescribes Medicines, X-rays, and Lab tests, then since all these services are part of one incident, your deductible will be applicable for these services only once. If you visit a doctor again after a few days for a new problem, the deductible will be applicable again for that new incident.
What deductible to choose with this Plan?

Since deductible is per incident for these type of plans. It is a good idea to select a lower deductible such as “0“.

Note : For Age 70 and above, lower deductible like Zero “0“ is not available.

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

Inbound Immigrant Insurance Brochure 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.

Example: If you have flu and visit the doctor 2 times for the same problem and the doctor asks you to take some lab test, then you pay the deductible once for all the services/treatment related to the flu. However if you go to doctor for a different problem, say, an ankle sprain, then the deductible will be applicable again, once for all services /treatments taken for the ankle sprain.

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.

Acute onset of pre-existing condition is defined as:�??�?� An Acute Onset of a Pre-existing Condition is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence

For more details & exclusions regarding the pre-existing conditions, please check the Inbound Immigrant plan brochure.

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.

If you still have questions, please email us at support@visitorscoverage.com or call our support line toll free: 1.866.384.9104. Business Hours: Mon - Fri 8:30am- 5:30pm PST.

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.