Inbound Guest
Limited Coverage, Rated A (Excellent)By: Seven Corners, UW: Lloyd'sLloyd's of LondonThis 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.
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
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.
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.
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
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? | |
Q2: Can I renew the Inbound Guest plan? | |
Q3: Can I cancel the Inbound Guest plan? | |
Q4. What does the Inbound Guest plan cover? Why is it so much cheaper than the comprehensive plans? | |
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? | |
Q6. How does the Deductible Work? | |
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? Q9. Do I have to Pay up front, or are the doctors going to bill the insurance company directly? | |
Q11. What information do I need to purchase this insurance? | |
Q12. I want to purchase insurance for more than one visitor. Should I purchase two separate policies for them or have a combined policy? | |
Q13. When will I receive my ID card? | |
Q14. How do I use this 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.