IG

Inbound Guest

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

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
COVID-19 Excluded
acute-onset-pre-existing-condition
Acute onset of Pre-Existing Conditions
extendable-cancelable
Extendable & Cancelable
urgent-care
Urgent Care
medical-coverage-during-travel
Medical Coverage During Travel
extendable-cancelable
Basic Coverage Plan
Coverage from 5 days to 180 days
 

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 brochure or Description of Coverage brochure (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 $2150Up to $2970 Up to $3960 Up to $4840Up to $6600
Prescription Drugs / Medicines    
Up to $150 Per Coverage PeriodUp to $250 Per Coverage PeriodUp to $125 Per Coverage PeriodUp to $135 Per Coverage PeriodUp 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 maxUp to $2,340/day, 30 day max
Surgical Treatment    
Up to $2150Up to $2970 Up to $3960 Up to $4840 Up to $6600
Hospital Intensive Care Unit    
Additional $430 per day,8 day maxAdditional $595 per day,8 day maxAdditional $720 per day,8 day maxAdditional $790 per day,8 day maxAdditional $1020 per day,8 day max
 
Emergency Services    
Ambulance Expenses    
Up to $295Up to $450Up to $450Up to $475Up to $475
Emergency Room(ER)    
Up to $215Up to $295Up to $395Up to $465Up to $660
 
Dental    
Acute, spontaneous and unexpected pain    
Not coveredNot coveredNot coveredNot coveredNot covered
Accidental emergency    
Up to $360Up to $550Up to $550Up to $550Up to $550
 
Travel    
Emergency Medical Evacuation / Repatriation    
Up to $50,000Up to $50,000Up to $50,000Up to $50,000Up to $50,000
Return of Remains    
Up to $25,000 Up to $25,000 Up to $25,000 Up to $25,000Up 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 coveredNot coveredNot coveredNot coveredNot covered
General Physical full Checkup    
Not coveredNot coveredNot coveredNot coveredNot covered
Terrorism Coverage    
Not coveredNot CoveredNot CoveredNot CoveredNot Covered
Brochure    
Inbound Guest Insurance Brochure brochureInbound Guest Insurance Brochure brochureInbound Guest Insurance Brochure brochureInbound Guest Insurance Brochure brochureInbound Guest 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. 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 $2285Up to $3300 Up to $5365
Prescription Drugs / Medicines  
Up to $65Up to $95Up 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 $2285Up 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 $450Up to $450Up to $880
 
Dental  
Acute, spontaneous and unexpected pain  
Not coveredNot coveredNot covered
Accidental emergency  
Up to $550Up to $550Up 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 $25,000Up 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 CoveredNot CoveredNot covered
Maternity  
Not CoveredNot CoveredNot covered
General Physical full Checkup  
Not CoveredNot CoveredNot covered
Terrorism Coverage  
Not CoveredNot CoveredNot covered
Brochure  
Inbound Guest Insurance Brochure brochureInbound Guest Insurance Brochure brochureInbound Guest 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.
 

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 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.

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.