Inbound Guest

Limited Coverage, Rated A (Excellent)By: Seven Corners, UW: Lloyd's

This 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

Acute onset of Pre-Existing Conditions

Medical Coverage During Travel

Extendable & Cancelable

Basic Coverage Plan

Coverage from 5 days to 180 days

Urgent Care

COVID-19 Excluded

Inbound Guest covers for non-US citizens travelling to the USA for short trips.

It is a basic plan that pays a pre-defined fixed limited amount for every covered medical service and treatment. The policy maximum is just the outer limit.
It does not have a PPO network. You can visit any doctor or hospital of your choice.

Note: Inbound Guest Plan is not available for the residents of Maryland (MD), Washington (WA), New York (NY) and North Dakota (ND) .

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 Guest Insurance Brochure or Description of Coverage (policy document) for complete and accurate coverage and exclusions.

Applicant's Age 14 days - 69 years

IG $25,000 Policy Maximum	IG $45,000 Policy Maximum	IG $65,000 Policy Maximum	IG $85,000 Policy Maximum	IG $120,000 Policy Maximum
Out-Patient
Dr. / Physician Visit
Up to $40 per visit, 1/day,10 visit max	$60 per visit, 1/day,10 visit max	Up to $65 per visit, 1/day,10 visit max	Up to $75 per visit, 1/day,10 visit max	Up to $100 per visit, 1/day,10 visit max
Surgical Treatment
Up to $2150	Up to $2970	Up to $3960	Up to $4840	Up to $6600
Prescription Drugs / Medicines
Up to $150 Per Coverage Period	Up to $250 Per Coverage Period	Up to $125 Per Coverage Period	Up to $135 Per Coverage Period	Up to $180 Per Coverage Period
Lab & X-rays
Up to $295 - Additional $250 -One Cat scan, PET scan or MRI	Up to $405 - Additional $250 - One Cat scan, PET scan or MRI	Up to $465 - Additional $375 - One Cat scan, PET scan or MRI	Up to $485 - Additional $450 - One Cat scan, PET scan or MRI	Up to $600 - Additional $500 -One Cat scan, PET scan or MRI
Physical Therapy
$30 per visit, 1 per day , 12 visit max	$40 per visit, 1 per day , 12 visit max	$40 per visit, 1 per day , 12 visit max	$40 per visit, 1 per day , 12 visit max	$40 per visit, 1 per day , 12 visit max

In-Patient
Hospital Room
Up to $910/day, 30 day max	Up to $1,260/day, 30 day max	Up to $1,565/day, 30 day max	Up to $1,725/day, 30 day max	Up to $2,340/day, 30 day max
Surgical Treatment
Up to $2150	Up to $2970	Up to $3960	Up to $4840	Up to $6600
Hospital Intensive Care Unit
Additional $430 per day,8 day max	Additional $595 per day,8 day max	Additional $720 per day,8 day max	Additional $790 per day,8 day max	Additional $1020 per day,8 day max

Emergency Services
Ambulance Expenses
Up to $295	Up to $450	Up to $450	Up to $475	Up to $475
Emergency Room(ER)
Up to $215	Up to $295	Up to $395	Up to $465	Up to $660

Dental
Acute, spontaneous and unexpected pain
Not covered	Not covered	Not covered	Not covered	Not covered
Accidental emergency
Up to $360	Up to $550	Up to $550	Up to $550	Up to $550

Travel
Emergency Medical Evacuation / Repatriation
Up to $50,000	Up to $50,000	Up to $50,000	Up to $50,000	Up to $50,000
Return of Remains
Up to $25,000	Up to $25,000	Up to $25,000	Up to $25,000	Up to $25,000
Emergency Reunion
Not covered	Not covered	Not covered	Not covered	Not covered
Trip Interruption
Not covered	Not covered	Not covered	Not covered	Not covered
Loss of checked Baggage
Not covered	Not covered	Not covered	Not covered	Not covered

Life
AD&D
Not covered	Not covered	Not covered	Not covered	Not covered
Common Carrier Accidental Death
$25,000 Common Carrier	$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 $25,000 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 $45,000 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 $65,000 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 $85,000 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 $120,000 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
Not covered	Not covered	Not covered	Not covered	Not covered
General Physical full Checkup
Not covered	Not covered	Not covered	Not covered	Not covered
Terrorism Coverage
Not covered	Not Covered	Not Covered	Not Covered	Not Covered
Brochure
Inbound Guest Insurance Brochure	Inbound Guest Insurance Brochure	Inbound Guest Insurance Brochure	Inbound Guest Insurance Brochure	Inbound Guest 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.	Yes. Contact number and details can be found on the ID card.

Applicant's Age 70 - 89

IG $40,000 Policy Maximum	IG $60,000 Policy Maximum	IG $100,000 Policy Maximum
Out-Patient
Dr. / Physician Visit
Up to $45 per visit, 1/day,10 visit max	Up to $65 per visit, 1/day,10 visit max	Up to $100 per visit, 1/day,10 visit max
Surgical Treatment
Up to $2285	Up to $3300	Up to $5365
Prescription Drugs / Medicines
Up to $65	Up to $95	Up to $160
Lab & X-rays
Up to $330 - Additional $250 - One Cat scan, PET scan or MRI	Up to $480 - Additional $300 - One Cat scan, PET scan or MRI	Up to $780 - Additional $300 - One Cat scan, PET scan or MRI
Physical Therapy
$40 per visit, 1per day , 12 visit max	$40 per visit, 1per day , 12 visit max	$80 per visit, 1per day , 12 visit max

In-Patient
Hospital Room
30 day max Up to $870 per day	30 day max Up to $1260 per day	30 day max Up to $2050 per day
Surgical Treatment
Up to $2285	Up to $3300	Up to $5365
Hospital Intensive Care Unit
8 day max $380 per day	8 day max $550 per day	8 day max $900 per day

Emergency Services
Ambulance Expenses
Up to $450	Up to $450	Up to $880

Dental
Acute, spontaneous and unexpected pain
Not covered	Not covered	Not covered
Accidental emergency
Up to $550	Up to $550	Up to $1075

Travel
Emergency Medical Evacuation / Repatriation
Up to $50,000	Up to $50,000	Up to $50,000
Return of Remains
Up to $25,000	Up to $25,000	Up to $25,000
Emergency Reunion
Not covered	Not covered	Not covered
Trip Interruption
Not covered	Not covered	Not covered
Loss of checked Baggage
Not covered	Not covered	Not covered

Life
AD&D
Not covered	Not covered	Not covered
Common Carrier Accidental Death
$25,000 Common Carrier	$25,000 Common Carrier	$25,000 Common Carrier

Other
Pre-Existing Conditions
Not Covered	Not Covered	Not covered
Maternity
Not Covered	Not Covered	Not covered
General Physical full Checkup
Not Covered	Not Covered	Not covered
Terrorism Coverage
Not Covered	Not Covered	Not covered
Brochure
Inbound Guest Insurance Brochure	Inbound Guest Insurance Brochure	Inbound Guest 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.

Plan Administrator Company

Seven Corners

Carrier / Underwriter

Lloyd's of London

AM Best Rating

A (Excellent)

Eligibility

Can be purchased by non-United States citizens or any visa holders (e.g. L/H/B1,B2). The Plan must become effective within 180 days 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.

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.

Coverage in U.S.A.

Covered

Coverage outside U.S.A.

Not Covered

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

Extendable with a $5 fee each time you extend, up to a maximum period of 180 days.

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-Max 180 Days

Available Deductibles

Choose From: $0, $50, $100
Ages 70 & Over: $100, $200

Available Coverage

Plan A: $25,000 per Incident
Plan B: $45,000 per Incident
Plan C: $65,000 per Incident
Plan D: $85,000 per Incident
Plan E: $120,000 per Incident

Ages 70 & Over
Plan J: $40,000 per Incident
Plan k: $60,000 per Incident
Plan L: $100,000 per Incident

Provider Directory

By Provider, Phone Nos. : 800-335-0477 or 317-575-2656

Plan Brochure

Inbound Guest Insurance 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 Guest Insurance FAQs
Q1: Am I eligible for the Inbound Guest plan? If you are a non-United States citizen traveling to the U.S. for a short trip, you are eligible for this plan. Your plan must become effective within 180 days of your arrival in the United States. The minimum coverage period is 5 days and the maximum coverage period is 180days.
Q2: Can I renew the Inbound Guest plan? Yes, you can renew your coverage in an increment of 5 days or more up to 180 days. You have to renew the policy before it expires. For each renewal there is a $5 fee. Policy can be renewed online.
Q3: Can I cancel the Inbound Guest plan? Yes, you can cancel this plan, before the original expiration date. A written request is required for cancellation. If you request for cancellation before the effective start date, you will receive full refund back. After the start date of the policy, refund is possible only if you have not visited doctors or other medical providers during the coverage period. You would get a prorated refund for the number of days left in the policy. $25 cancellation fee would apply. No refund is available if you visit a doctor or provider during the coverage period.
Q4. What does the Inbound Guest plan cover? Why is it so much cheaper than the comprehensive plans? The Inbound Guest covers for unexpected sickness or injury that starts, after the policy becomes effective. It does not cover for preventive care, pre-existing conditions, dental or vision. The Inbound Guest plan is a limited coverage plan. It pays a pre-defined fixed dollar amount for every service or treatment. These amounts are provided in the schedule of benefits, both in the plan brochure and Plan Description of Coverage. This plan is less expensive than comprehensive plans, because the plan offers very 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 you do not have to pay deductible each time you go to a doctor. Per-incident/per sickness or injury means that the deductible would apply separately to each different sickness or injury. But for each individual sickness or injury the deductible would apply only one time. After you meet the deductible once for a sickness or injury, the plan would pay a fixed dollar amount for every service or treatment related to that. You would not be responsible for further deductibles for follow up visits for the same sickness or injury. You would be responsible for a new deductible, only if a new unrelated sickness or injury starts. For Example: If you have flu and visit the doctor two 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. How does the Deductible Work? For the Inbound Guest plan, it is better to choose the lowest deductible available. The deductible is per/incident type, which means, you would be responsible for separate deductibles, for every unrelated sickness or injury. After the deductible is met, the limited plans pay a fixed dollar amount for every service or treatment. Also, the deductible is applied to these fixed benefit amounts, and not the amount that the doctor’s charge. For example: You choose a $45,000 policy maximum, with a $50 deductible, and you need a doctor’s consolation. You can see in the Schedule of benefits that the insurance would pay $60 for a doctor’s visit. Now the deductible of $50 would apply to the fixed benefit amounts. So in this case the plan would pay ($60-$50) = $10 towards your doctor’s visit. Whatever amount the doctor might charge, the insurance would pay only $10. If you go back again for the same situation for another consultation, then the plan would pay $60
Q7. Does this plan cover any pre-existing conditions? No, like any other travel insurance policy, the Inbound Guest does not cover for pre-existing conditions. It however does cover for an acute onset of pre-existing conditions up to the policy maximum that you choose. The acute onset of pre-existing condition coverage in once in a policy period. Also all the limited benefit amounts for each service and treatment for the Inbound Guest policy, would also apply to an acute onset of pre-existing condition situation. 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. A Pre-existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or Treatments existent or necessary prior to the Effective Date of coverage. For more details & exclusions regarding the pre-existing conditions, please check the Inbound Guest plan brochure.
Q8. Which doctor or hospital can I go to? Inbound Guest Insurance is a limited coverage plan and does not participate in any PPO Network. You can go to any doctor, hospital or provider of your choice. Q9. Do I have to Pay up front, or are the doctors going to bill the insurance company directly? The billing process is the discretion of the providers. Depending on the billing practice of the service provider, they may directly bill the insurance company, or may ask you to pay up front, and get reimbursed from the insurance company. Claim process would be mandatory, whether you have to pay upfront, or the providers directly bill the insurance company. Q10. Where can I find the claim information? Claim process is mandatory for travel insurances. Even if the providers directly bill the insurance company, you would still need to follow the claim process. Please refer to the following article for the claim process: Visitor Insurance Claim Process
Q11. What information do I need to purchase this insurance? Name(s), date of birth, and passport number of the visitor(s), and a US correspondence address
Q12. 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.
Q13. When will I receive my ID card? The Inbound Guest plan is an online insurance policy, once you purchase the policy online you will receive a printable Id card and policy documents 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.
Q14. How do I use this insurance? Please refer to the following article about the policy usage: how to use Visitor Insurance?

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.

Primary Traveler

Are any of the travelers a US citizen?