IU

Inbound USA

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
acute-onset-pre-existing-condition
Acute onset of Pre-Existing Conditions
medical-coverage-during-travel
Medical Coverage During Travel
extendable-cancelable
Extendable & Cancelable
basic-coverage
Basic Coverage Plan
coverage-days
Coverage from 5 days to 364 days
urgent-care
Urgent Care
COVID-19 Excluded
 

Inbound USA insurance Plan covers the visitors who are traveling to USA and provide coverage while in the USA.
Inbound USA 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 USA Plan is not available for the residents of Maryland (MD) & 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 USA Insurance Brochure brochure and Description of Coverage brochure (policy document) for complete and accurate coverage and exclusions.

Applicant's Age 14 days - 69 years

IU

$50,000

Policy Maximum
IU

$75,000

Policy Maximum
IU

$100,000

Policy Maximum
IU

$130,000

Policy Maximum
Out-Patient   
Dr. / Physician Visit   
Up to $60/visit, 1/day,
10 visits max
Up to $75/visit, 1/day, 10 visits max Up to $85/visit, 1/day, 10 visits max Up to $115/visit, 1/day, 10 visits max
Surgical Treatment   
$3,300 per Incident $4,400 per Incident $5,500 per Incident$7,150 per Incident
Prescription Drugs / Medicines   
Up to $250 Per Coverage Period Up to $250 Per Coverage PeriodUp to $250 Per Coverage PeriodUp to $250 Per Coverage Period
Lab & X-rays   
Up to $450 - Additional $250 - One CAT scan, PET scan or MRI Up to $475 – Additional $375 - One CAT scan, PET scan or MRI Up to $500 - Additional $500 - One CAT scan, PET scan or MR Up to $650 - Additional $600 - One CAT scan, PET scan or MRI
Physical Therapy   
Up to $40/visit, 1/day, 12 visits maxUp to $40/visit, 1/day, 12 visits maxUp to $40/visit, 1/day, 12 visits max Up to $40/visit, 1/day, 12 visits max
 
In-Patient   
Hospital Room   
$1,400 per day
30 day max
$1,675 per day
30 day max
$1,950 per day
30 day max
$2,535 per day
30 day max
Surgical Treatment   
Up to $3,300 Up to $4,400 Up to $5,500Up to $7,150
Hospital Intensive Care Unit   
Additional $660/per day, 8 days maxAdditional $755/per day, 8 days maxAdditional $755/per day, 8 days maxAdditional $1,105/per day, 8 days max
 
Emergency Services   
Ambulance Expenses   
$450 per Incident $450 per Incident $450 per Incident $450 per Incident
Emergency Room(ER)   
Up to $330Up to $465Up to $550Up to $750
 
Dental   
Acute, spontaneous and unexpected pain   
Not coveredNot coveredNot coveredNot covered
Accidental emergency   
$550 per Incident$550 per Incident$550 per Incident$550 per Incident
 
Travel   
Emergency Medical Evacuation / Repatriation   
Up to $50,000Up to $50,000Up to $50,000Up to $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 covered Not coveredNot covered
 
Life   
AD&D   
Not CoveredNot CoveredNot CoveredNot Covered
Common Carrier Accidental Death   
Up to $25,000 Up to $25,000 Up to $25,000 Up to $25,000
 
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   
Not coveredNot coveredNot coveredNot covered
General Physical full Checkup   
Not coveredNot coveredNot coveredNot covered
Terrorism Coverage   
Not coveredNot coveredNot coveredNot covered
Brochure   
Inbound USA Insurance Brochure brochureInbound USA Insurance Brochure brochureInbound USA Insurance Brochure brochureInbound USA 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

IU

$50,000

Policy Maximum
IU

$70,000

Policy Maximum
Out-Patient 
Dr. / Physician Visit 
Up to $55/visit, 1/day, 10 visits max Up to $75/visit, 1/day, 10 visits max
Surgical Treatment 
$2,750$3,850
Prescription Drugs / Medicines 
Up to $200 Per Coverage PeriodUp to $250 Per Coverage Period
Lab & X-rays 
Up to $400 - Additional $250 - One CAT scan, PET scan or MRI Up to $560 – Additional $300 - One CAT scan, PET scan or MRI
Physical Therapy 
Up to $40/visit, 1/day, 12 visits maxUp to $40/visit, 1/day, 12 visits max
 
In-Patient 
Hospital Room 
Up to $1,050/day, 30 day maxUp to $1,470/day, 30 day max
Surgical Treatment 
$2,750 per Incident$3,850 per Incident
Hospital Intensive Care Unit 
$460 per day$640 per day
 
Emergency Services 
Ambulance Expenses 
$450 per Incident $450 per Incident
Emergency Room(ER) 
Up to $250Up to $350
 
Dental 
Acute, spontaneous and unexpected pain 
Not coveredNot covered
Accidental emergency 
$550 per Incident$550 per Incident
 
Travel 
Emergency Medical Evacuation / Repatriation 
Up to $50,000Up to $50,000
Return of Remains 
$25,000 $25,000
Trip Interruption 
Not coveredNot covered
Loss of checked Baggage 
Not coveredNot covered
 
Life 
AD&D 
Not CoveredNot Covered
Common Carrier Accidental Death 
Up to $25,000 Up to $25,000
 
Other 
Pre-Existing Conditions 
Not CoveredNot Covered
Maternity 
Not coveredNot Covered
General Physical full Checkup 
Not coveredNot Covered
Terrorism Coverage 
Not coveredNot Covered
Brochure 
Inbound USA Insurance Brochure brochureInbound USA 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.
 

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) for a short trip. The Plan must become effective within twelve (12) 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.

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 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: $130,000 per Incident

Ages 70 & Over
Plan J: $50,000 per Incident
Plan k: $70,000 per Incident.

Provider Directory

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

Plan Brochure

Inbound USA 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.