Inbound USA Choice Fixed Plan for Visitors to America
Inbound USA Choice Insurance is a balanced fixed benefit plan for visitors to the USA, purchase coverage from 5 up to 364 days, renewable.
COVID-19 / SARS-CoV-2 / Coronavirus Inbound USA Choice plan does NOT include coverage for testing/treatment of COVID19 even after The World Health Organization (WHO) issued a global pandemic warning, and the U.S. Centers for Disease Control and Prevention (CDC) issued a level 3 travel warning to avoid nonessential travel.
Inbound USA Choice Insurance or Inbound Choice Visitor Insurance is a scheduled benefit program providing up to 364 days of basic medical coverage for non-U.S. citizens traveling to the United States, for business, pleasure, or to study. Inbound Choice Travel Insurance provides injury and sickness medical insurance coverage for visitors to USA, with continuous and renewable protection for families and individuals who travel to America for as little as 5 days, and renewable up to 1092 days.
Inbound USA Choice provides a simple and affordable program for visitors to USA. Inbound Choice Insurance plan is available to non-United States citizens who come to the U.S. for business, pleasure, or to study. Inbound Choice plans includes coverage for hospitalization, surgery, prescription drugs, ambulance service, physiotherapy treatment, doctor visits and more.
Inbound Choice Travel Medical Insurance is an ideal visitor health Insurance for parents visiting USA and tourists to the United States. Inbound Choice Travel Health Insurance plan is administered by Seven Corners Insurance and is underwritten by Certain Underwriters at Lloyd’s of London, and is rated A “Excellent” by A.M. Best.
Inbound USA Insurance
Inbound USA Insurance plan provides fixed or scheduled visitor insurance benefits for foreign nationals visiting the United States of America, it is available in three plan options:
- Inbound USA Basic – Economy option for ages below 100 years, renewable only up to 364 days.
- Inbound USA Choice – Balanced option for ages 99 years or younger, extend up to 728 days.
- Inbound USA Elite – Best fixed benefits option only for ages below 70 years, renew up to 1092 days.
Inbound USA Choice Insurance Review
Basic Fixed Plan for Visiting USA
Notes: Choice plan offers a balanced scheduled or fixed medical coverage option for visitors to the USA, available for ages below 100 years visiting the USA. Renewable.
Eligibility: Any foreign resident individuals and/or family, above age 14 days, and visiting the USA only.
Coverage Duration: Minimum of 5 days to maximum purchase duration of 1 year (364 days)
Amounts:
- Member maximum limits: $50K to $1 million
- Choose deductible: $0 to $2,500
- AD&D benefit: $25K (included), additional to $1 million
PPO Network: No Preferred Provider Organization (PPO) network, consult any doctor or hospital for medical care.
Renew or Extend: Renewable up to 2 years (728 days), extend policy expiration dates prior to expiration, $5 additional renewal fee applies.
Other Highlights
- Foreign nationals visiting the USA
- Sickness/injury plans for visitors to America
- Acute-onset of pre-conditions included
- Quote & purchase online for single trip
- Optional riders to policy available
Inbound USA Choice Insurance Information
Inbound Choice Insurance policy plan review and highlights of coverage are as follows:
- Eligibility: non-U.S. citizens (individuals and for families) visiting the United States
- Medical Maximum selections: $50,000, $75,000, $100,000, $125,000, $150,000 (Ages 70-99 years limited 100K max)
- Fixed benefit plan with deductible per incident, injury or sickness
- Coverage for U.S visitors age group of minimum of 14 days old up to 99 years
- Medical benefits for non-U.S. citizens visiting USA
- Ideal for foreign visitors traveling to the United States
- Offers emergency medical evacuation up to $50,000 and repatriation
- Very affordable rates with a choice of 3 deductibles
- Acute Onset of a Pre-existing Condition
- Up to $130,000 maximum per injury/sickness benefit
- No network, choose any hospital or doctor for care
- Emergency medical evacuation, AD&D and repatriation benefits
- Coverage up to 364-day policy period, renewable for 1092 days total.
- Includes 24 hour assistance service
- Plan must be effective within 30 days of U.S. arrival
- Scheduled Benefit plan offering competitive rates
- Guaranteed issue policy and applicant cannot be turned down
- Immediate coverage available, print virtual ID cards instantly after purchase
- Policy is rated “A” (Excellent) by A.M. Best
- Underwritten by Certain Underwriters at Lloyd’s of London
- Renew online to extend policy coverage dates
Inbound USA Choice Insurance - Plan Overview
Inbound Choice Insurance or Inbound Choice Visitor Health Insurance is a scheduled benefit program providing up to 364 days of basic medical coverage for non-U.S. citizens visiting the United States, for business, pleasure, or to study. Inbound Choice Insurance provides injury and sickness medical insurance coverage for visitors to USA, with continuous and renewable protection for families and individuals who travel between 5 days to 1092 days. Inbound Choice plans includes coverage for hospitalization, surgery, prescription drugs, ambulance service, physiotherapy treatment, doctor visits and more.
Inbound Choice Visitor Insurance review of plan features and benefits covered:
- Fixed benefit plan with deductible per incident, injury or sickness
- Coverage for U.S visitors aged from 14 days up to 69 years old
- Plan available with $130,000 maximum coverage
- Medical benefits for non-U.S. citizens visiting USA
- Ideal for foreign visitors traveling to the United States
- Offers emergency medical evacuation up to $50,000 and repatriation
- Very affordable rates with a choice of 3 deductibles
- Acute Onset of a Pre-existing Condition coverage available
- No network, choose any hospital or doctor for care
- Includes Accidental Death and Dismemberment (AD&D) benefits
- Total coverage duration of 364-days and policy renews to 728 days
- Includes 24 hour assistance service
- Plan must be effective within 24 months of U.S. arrival
- Scheduled Benefit plan offering competitive rates
- Renewable USA coverage up to 728 days
- Guaranteed issue policy and applicant cannot be turned down
- Underwritten by Certain Underwriters at Lloyd’s of London
- Rated “A” (Excellent) by A.M. Best and “A+” (Strong) by Standard & Poor’s
Inbound USA Choice Insurance Plan Details
Inbound Choice Travel Insurance plan provides visitor medical insurance for non-U.S. citizens visiting USA who is at least 14 days old and below age 70 years, and is traveling to the U.S. for business, pleasure, or to study. Coverage is available for individuals and families who purchase coverage within 24 months of arrival to the United States. Benefits under the InboundChoice fixed or scheduled benefit plan include sickness & injury medical insurance for USA visitors. Plan offers continuous coverage protection from a minimum 5 days to maximum duration of 364 days (1 year) and is renewable for two 364-day coverage periods (total duration 728 days). Review plan benefit information, policy options, coverage details and quote, buy and purchase policy instantly online.
| Inbound USA Choice | |
| Quote & Buy Online | Buy Inbound Choice Insurance |
| Renew Coverage Online | Renew Inbound Choice Insurance for total coverage period of of 728 days (two 364-day coverage periods), a $5 renewal fee applies each time you renew |
| Review Plan Brochure | Inbound Choice Insurance Brochure |
| Plan Eligibility | Non-US citizen visiting the USA Age between 14 Days and 69 years Valid visa/status as a USA visitor Note: Individuals who have their 70th birthday during their coverage period will continue to be covered through their current coverage period but will not be allowed to renew once that coverage period expires. |
| Coverage Period or Duration | Coverage period minimum length of 5 days to maximum of 364 days (1 year) |
| Benefit Period | 180 days (amount of time you have from the date of your injury/illness to receive treatment). |
| Maximum Medical Benefit Per Person | Age 14 days to Age 69 years: Maximum coverage choices per Injury/Sickness include: Plan A $50,000, Plan B $75,000, Plan C $100,000, and Plan D $130,000 Note: For ages below 14 days and above 70 years, not eligible to purchase this plan |
| Deductible | Plans A, B, C, and D: Choices of $0, $50, and $100 Note: The deductible is per injury or sickness and per person on the policy Higher the selected deductible, lower the premium cost paid to purchase for selected maximum coverage |
| Acute Onset of a Pre-existing Condition | For Age below 70 years: Up to Selected Medical Maximum per coverage period for Medical Expense Benefits (amounts limited for each benefit per schedule), and Up to 25,000 per coverage period for Emergency Medical EvacuationFor Age above 70 years: Not eligible to purchase this policy if insured is 70 years or olderNote: Pre-existing conditions include any medical condition, sickness, injury, illness, disease, mental illness or mental nervous disorder that existed with reasonable medical certainty during the 180 days before your coverage on Inbound Choice began, whether or not it was previously manifested, symptomatic, known, diagnosed, treated or disclosed. This includes but is not limited to any medical condition, sickness, injury, illness, disease, mental illness or mental nervous disorder for which medical advice, diagnosis, care or treatment was recommended or received or for which a reasonably prudent person would have sought treatment during the 180 days before the effective date. Only “Acute Onset of Pre-existing conditions” is covered for ages below 70 years for non-U.S. Citizens visiting USA, up to the specified limit for an acute onset of a pre-existing condition if the condition occurs in the United States during your coverage period, and if you receive treatment in the United States within 24 hours of the sudden and unexpected recurrence. A pre-existing condition that is chronic, congenital or gradually worsens over time is not covered. |
| Accidental Death & Dismemberment (AD&D) | For all plan types, principal sum limits of $25,000 for insured Note: This benefit applies for Common Carrier Accidental only |
| Inpatient Hospital Expenses | Hospital Room & Boarding charges, including Laboratory Tests, X-rays, Prescription Medical and other miscellaneous charges Charges for Intensive Care Unit (ICU) & Surgical Treatment Pre-admission tests w/in 7 days before hospital admission Doctor fees including Assistant Surgeon, Non-Surgical Visits by Physician, consulting physician requested by attending physician, anesthetist & private duty nurse Note: Limited to amounts as fixed in the brochure and up to the plan type medical maximum selected |
| Outpatient Medical Expenses | Charges for outpatient surgical treatment, use of outpatient surgical facility Fees for Doctor, Anesthetist, Assistant Surgeon, Non-Surgical Physician Hospital Emergency Room, Urgent Care, Diagnostic X-rays, CAT scan, PET scan or MRI, Laboratory Services, Prescription Drugs (per coverage period) Note: Limited to amounts as fixed in the brochure and up to the plan type medical maximum selected |
| Other Treatment & Services | Dental Treatment for Injury to Sound, Natural Teeth Physiotherapy Initial orthopedic prosthesis or brace Chemotherapy and/or Radiation Therapy Durable Medical Equipment Ambulance Services Note: Limited to amounts and number of visits as fixed in the plan brochure for plan type selected |
| Mental & Nervous Disorder & Substance Abuse | Same as any sickness |
| Emergency Medical Evacuation | Up to $50,000 (in addition to the medical maximum) |
| Return or Repatriation of Mortal Remains | Up to $25,000 |
| Local Cremation or Burial | Up to $5,000 |
| Exclusions & Limitations | Exclusions apply, see Exclusions & Limitations section in plan brochure for details |
| Pre-certification Requirements | See pre-certification section in plan brochure for details, pre-certification does not guarantee benefits. |
| Claims & Reimbursement | Submit the completed claim form and file along with the itemized medical bill/s to the plan administrator within 90 days Note: Plan does not guarantee payment to a healthcare service provider or facility or insured individual for medical expenses until the plan administrator determine it is an eligible expense Claim payments can be converted to a currency of your choice |
| Cancellation & Refund | Before coverage start date, full plan cost refunded After coverage start date, the unused portion of your plan cost is refunded minus a cancellation fee of $25, if no claims filed under the policy already Note: A written (email) request is required |
| Worldwide Assistance | 247/365 Seven Corners Assist service included |
| Plan Administrator | Seven Corners Insurance handles all claims and policy administration services |
| Insurance Underwriter | Underwritten by Certain Underwriters at Lloyd’s of London, the oldest underwriter in the world |
| Ratings of Insurance Company | A.M. Best: “A” (Excellent) and Standard & Poor’s: “A+” (Strong) |
| Quote & Buy Online | Inbound Choice Insurance Quote |
Disclaimer: The information provided on this page is only a summary, be sure to read plan brochure for complete details.
The specified benefits is subject to change, always refer to the plan brochure and program summary or policy certificate for the latest information on the plan.
All coverages and plan costs are shown in U.S. Dollar amounts and are per person and per period of coverage unless otherwise noted.
To receive Evacuation and Return coverage benefits listed, all arrangements for services must be coordinated by Seven Corners Assist.
Inbound USA Choice Insurance Plan Brochure
Review the common plan brochure for all the Inbound USA plan types: Basic, Choice and Elite.
Inbound USA Choice Insurance Certificate
Review the Inbound USA Choice Insurance policy details in the master certificate of coverage document for detailed information on the plan.
- Inbound USA Choice Insurance Certificate by Lloyds
Inbound USA Choice Insurance PPO Network
Inbound USA Choice is a fixed-benefit plan has NO PPO network of doctors, hospitals, labs, and other caregivers. Seek care with any qualified physician, primary care or specialist office, medical facility, and submit your bills for reimbursement.
Inbound USA Choice Insurance - Quote/Buy Online or Apply
Quote, apply, and purchase the Inbound Choice policy securely and instantly online. Alternatively, print and complete the paper application to send along with the requisite premium amount payment to the address on application.
- Quote/Buy Online: Get instant quote & Buy Inbound USA Choice Insurance coverage online.
- Application Form: Complete, mail/fax the Inbound USA Insurance Paper Application along with the required premium payment.
Inbound USA Choice Insurance - Renew/Extend Coverage
Inbound USA Choice visitor insurance coverage duration can be extended or renewed to a maximum period of 728 days (2 years). A $5 renewal additional fee apples for each renewal application.
- Renew Policy: Extend the Inbound USA Choice visitor insurance policy coverage dates using the Renew Inbound USA Insurance link.
Inbound USA Choice Cancellation & Refund Rules
Below are the rules pertaining to cancellation of the policy and refund of premium.
- Prior to Effective Date: If written email request is received by the plan administrator prior to the effective date of coverage, the paid premium is refunded minus a $25 cancellation fee.
- Active Policy: After that effective date, the premium is considered fully earned by the plan administrator and is non-refundable. Even if you have no claims with the current active policy certificate, partial refunds are not available with this policy.
Inbound USA Choice Insurance Plan FAQ
Below are some of the questions frequently asked with the Inbound USA Choice Insurance plan gathered over many years:
What are the common terms used in the Inbound USA Choice plan?
Medical Maximum, Deductible, Coinsurance are commonly referenced
Medical Maximum is the maximum amount covered under the policy, the plan will pay up to that amount should you need to use the plan by see medical care with the doctor, urgent care, or hospital, etc. Deductible is the amount of medical expenses which the insured person has to meet and cross (accumulated amount) before the plan pays. Higher the deductible selected, lower is the premium cost for the same medical maximum coverage selected. Coinsurance is the percentage amount of covered expenses, after the deductible, which the insured person pays, and applies only for the first $5000 beyond the deductible. Usual, Reasonable & Customary (URC) is for amounts that is actually payed out in the even of a sickness or injury claim. This is based on the local costs for treatment of that same type of claim.
Did you know that the premium costs are mandated by law, and you cannot find a lower quoted cost for any given policy and the same plan options selected, whether you purchase directly or through any agent/agency.