Inbound USA Choice
Limited Coverage, Rated A (Excellent)By: Seven Corners, UW: Lloyd'sLloyd's of London
- AM Best Rating
- A (Excellent)
- Carrier/Underwriter
- Lloyd's of London
- Administrator
- Seven Corners
COVID-19 Excluded
Acute onset of Pre-Existing Conditions
Extendable & Cancelable
Urgent Care
Medical Coverage During Travel
Basic Coverage Plan
Coverage from 5 days to 364 days
- We cannot accept a U.S address in: Maryland, Washington, New York, South Dakota, and Colorado.
We cannot accept an address in: Cuba, Islamic Republic of Iran, Syrian Arab Republic, United States Virgin Islands, Gambia, Ghana, Nigeria and Sierra Leone. - This plan does not cover a claim in anyway by or resulting from:
Coronavirus disease (COVID-19);
Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2);
Any mutation or variation of SARS-CoV-2; or
Any fear or threat of 1, 2, or 3
Inbound USA Choice insurance plan provides coverage for non-U.S citizens traveling to the USA
Inbound USA Choice insurance plan is a limited travel medical insurance plan that has pre-fixed defined limits for each eligible medical services.
You visit any doctor or hospital of your choice.
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 USA Choice insurance Brochure 
and Description of Coverage (policy document) for complete and accurate coverage and exclusions.
Out-Patient
Dr. / Physician Visit
Up to $50/visit, 1/day, 30 visits maximum
Urgent Care
Up to $75/visit, 1/day, 30 visits maximum
Surgical Treatment
Up to $5,000
Prescription Drugs / Medicines
Up to $200 per period of coverage
Lab & X-rays
Up to $750 for
Diagnostic Basic (x-ray& lab tests)
&
Up to $1250 for Diagnostic Comprehensive (PET,CAT,MRI)
Physical Therapy
Up to $40/visit, 1/day
12 visits maximum
In-Patient
Hospital Room
Up to $2,000/day
30 days maximum
Surgical Treatment
Up to $5,000
Hospital Intensive Care Unit
Additional $750/day
8 days maximum
Emergency Services
Ambulance Expenses
Up to $500
Emergency Room(ER)
Up to $500
Dental
Acute, spontaneous and unexpected pain
Up to $750
Accidental emergency
Up to $750
Travel
Emergency Medical Evacuation / Repatriation
$100,000
Return of Remains
$25,000
Emergency Reunion
Not covered
Return of minor Child(ren)
Not covered
Trip Interruption
Not covered
Loss of checked Baggage
Not covered
Life
AD&D
Not Covered
Common Carrier Accidental Death
$25,000 per insured person
($125,000 per any one accident)
Other
Acute Onset
Up to $75,000 for ages 14days - 69years
Up to $25,000 for ages 70-79years
Local Burial or Cremation
$5,000
Maternity
Not covered
Incidental Home Country Coverage
$50,000
General Physical full Checkup
Not covered
Terrorism Coverage
$50,000
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
AM Best Rating
A (Excellent)
Eligibility
Can be purchased by non-United States citizens for a short trip to the USA.
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.
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
Can be extended only before the policy expires. A $5 extension fee applies for every extension. Can be used or extended for a maximum of 364 days.
Cancellation
1) No refund available if you need to visit doctors with the policy.
Full refund available if cancelled before start date. 2) Pro-rated refund available after start date if no visits the doctors have been made.
3) $25 Cancellation Fee Applicable.
4) Written request or e-mail is required for any cancellation and refund
Coverage Length
Minimum 5 days to Maximum 364 days
Available Deductibles
Choose From: $0, $50, $100
Ages 70 & Over: $100, $200
Available Coverage
Plan A: $50,000 per Incident
Plan B: $75,000 per Incident
Plan C: $100,000 per Incident
Plan D: $125,000 per Incident
Plan E: $150,000 per Incident
Ages 70 & Over
Plan F: $50,000 per Incident
Plan G: $75,000 per Incident.
Plan H: $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 address in Maryland (MD), Washington (WA), New York (NY), South Dakota (SD) and Colorado (CO)
Country Restrictions
We cannot accept an address in Cuba, Islamic Republic of Iran, Syrian Arab Republic, United States Virgin Islands, Gambia, Ghana, Nigeria, and Sierra Leone.
Inbound USA Choice Insurance FAQs | |
Q1: Am I eligible for the Inbound USA Choice plan? | |
Q2: Can I extend the Inbound USA Choice plan? | |
Q3:Can I cancel the Inbound USA Choice plan? | |
Q4. What does the Inbound USA Choice 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 USA 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 USA Choice 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 USA Choice 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? | |
| 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? | |
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? | |
Q15. Where can I find answers to other questions I have? | |
| Q16. Does Inbound USA cover coronavirus? | |
| Q17. When does my coverage start on my travel medical insurance plan? Coverage on a travel medical insurance plan will begin on the date of departure and once the traveler has left their home country. Coverage areas are anywhere outside ones' home country as long as the policy is active. The coverage will end immediately once the traveler has entered back into their home country. | |
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.
