Seven Corners

Seven Corners Inbound USA Insurance Reviews

  • Most suitable for non US citizens visiting USA.
  • Different plan maximum options available from $50,00 up to $130,000.
  • Acute onset of pre-existing conditions for travelers upto 70 yrs.
  • Ratings: "A" (Excellent) by A.M. Best & "A+" (Strong) by Standard & Poor's.

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Inbound USA Insurance Review
Inbound USA links

Customer care
Fixed benefits plan
 

Review Inbound USA Advantages and disadvantages

Inbound USA Insurance Advantages

  • Very affordable plan for short term travel cover.
  • Acute onset of pre-existing conditions are covered up to 70 years at no additional cost.
  • $50,000 & $70,000 coverage offered for travelers more than 70 years.
  • Benefits per Injury or Sickness and not the entire policy period.
  • Cancellation and refund of full premium provided before the policy start date.
  • Plan is available for purchase after 12 months of arrival in the US ( no age restrictions).
  • Covers expenses incurred from mental & nervous disorder and substance abuse like any other illness.

Inbound USA Insurance Disadvantages

  • Deductible is per injury/per sickness ( instead of per policy period), making it costly for customer.
  • Fixed or Scheduled Benefits Plan and hence has limits for different cover.
  • Maximum coverage for certain situations can be inadequate.
  • Coverage available only in the US, does not offer coverage outside the US.
  • No PPO network, but with provision to visit any doctor or hospital.
  • The maximum duration of the policy including renewals cannot exceed 12 months.
  • High deductible of $200 per Injury / Sickness for 70+ travelers.
  • Coverage for "acute onset of pre-existing" condition is not available for people over 70.

What are some insurance terms important in Inbound USA Insurance reviews?

  • Plan Maximum coverage of Inbound USA travel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Inbound USA insurance offers maximum coverage up to $130,000 .The coverage may vary for older travelers with reduced plan maximum.
  • What is a deductible in Inbound USA visitors insurance?
    This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible. Inbound USA insurance offer a set of deductible options for the travelers to choose from. Inbound USA insurance has a range of deductible option from options of $0, $50 and $100.
  • What is a provider network of Inbound USA Medical Insurance?
    It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
  • Renewability of Inbound USA Travel health insurance
    Sometime the travel plans may change and a US visitor may be required to extend their period of stay.Inbound USA Insurance can be renewed up to 364 days.
  • Eligibility to buy Inbound USA Insurance Online
    Non US citizen traveling to the U.S. for business, pleasure, or to study and policy must become effective within 12 months of arrival in US
  • Inbound USA Pre-existing conditions Visitors Insurance for international travelers
    It offer coverage for acute onset of pre-existing conditions for travelers under 70 years of age.
  • This plan Underwritten by Certain Underwriters at Lloyd's of London

Compare Inbound Plans by Seven Corners

Compare and review Inbound insurance offered by seven corners; Inbound USA, Inbound Immigrant, Inbound Guest, Inbound Choice plans

A working example of using Inbound USA travel insurance (Offered by Seven Corners)

Consider an Inbound USA Plan A example where your:
  • Insurance coverage is $50,000
  • Deductible is $100 per certificate period
  • Your claims for medical expenses is $14,100
Below is a simple calculation showing how much the plan/insurance company pays you:
  1. Subtract the deductible from claims amount - $14,100 minus $100 equals $14,000. Insured bears $100.
  2. The insurance provider pays fixed amounts based on the schedule of benefits (as shown in the table) and you have to pay the remaining balance.
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $100 $0 $100
Hospital Room & Board including Laboratory Tests,
X-rays, Prescription Medical and other miscellaneous
$2,000/day for 3 days $1,400/day for 3 days $1,800
Surgical Treatment $6,000 $3,300 $2,700
Prescription Drugs $600 $250 $350
Diagnostic X-rays & Lab Services $1,400 $450 $950
Total: $14,100 $8,200 $5,900
 
  • Restrictions
  • Exclusions
  • Claims
special-coverage Inbound USA travel insurance restrictions
  • State Restrictions: The plan will not accept a mailing address in Maryland, Washington, New York, South Dakota, and Colorado.
  • Country Restrictions: The plan will not accept an address in Islamic Republic of Iran, Syrian Arab Republic, U.S. Virgin Islands, Gambia, Ghana, Nigeria, and Sierra Leone.
exclusion-icon Inbound USA insurance Exclusions
  1. For Medical Benefits, this insurance does not cover: Pre-existing Conditions which are excluded under this Certificate. This means that any claims for Pre-existing Conditions will not be covered for the duration of this Certificate. This exclusion does not apply to emergency medical evacuation, emergency medical reunion, return of children, return of mortal remains, and local cremation/burial.
  2. Claims not received by the Company or Administrator within ninety (90) days of the date of service:
  3. Treatment that (i) exceeds Usual, Reasonable, and Customary Expenses; (ii) is Investigational, Experimental, or for research purposes; or (iii) received in a Hospital emergency room visit that is not a Medical Emergency;
  4. . Treatment, services, or supplies that are not administered by or under the supervision of a Physician or Surgeon and products that can be purchased without a Physician’s or Surgeon’s prescription;
  5. Routine physicals, inoculations, or other examinations or tests conducted when there is no objective indications or impairments in normal health;
  6. Chiropractic care or acupuncture;
  7. Services, supplies, medications, testing, or Treatment prescribed, performed, or provided by a Relative or Immediate Family Member;
  8. Durable medical equipment;
  9. False teeth, dentures, dental appliances, dental expenses, normal ear or hearing tests, hearing aids, hearing implants, eye refractions, eye examinations for prescribing corrective lenses or eye-glasses unless caused by Accidental Injury, eyeglasses, contact lenses, or eye surgery when the primary purpose is to correct nearsightedness, farsightedness, or astigmatism;
  10. Replacement of artificial limbs, eyes, larynx, and orthotic appliances;
  11. Custodial Care, Educational or Rehabilitative Care, or any Treatment in any establishment for the care of the aged;
  12. Vocational, occupational, sleep, speech, recreational, or music therapy;
  13. Pregnancy, Illness or complications from Pregnancy, childbirth, abortion, miscarriage including that resulting from an Accident, postnatal care, preventing conception or childbirth, artificial insemination, infertility,impotency, sexual dysfunction, or sterilization or reversal thereof;
  14. Sleep apnea or other sleep disorders;
  15. Mental and Nervous Disorder, Rest Cures, learning disabilities, attitudinal disorders, or disciplinary problems;
  16. Congenital abnormalities and conditions arising out of or resulting therefrom.
  17. Temporomandibular joint;
  18. Occupational Diseases;
  19. Exposure to non-medical nuclear radiation or radioactive materials;
  20. Sexually-transmitted diseases, venereal diseases, and conditions and any consequences thereof;
  21. Acquired Immune Deficiency Syndrome (AIDS), AIDS-Related Complex (ARC), or the Human Immunodeficiency Virus (HIV);
  22. Acquired Immune Deficiency Syndrome (AIDS), AIDS-Related Complex (ARC), or the Human Immunodeficiency Virus (HIV);
  23. Acquired Immune Deficiency Syndrome (AIDS), AIDS-Related Complex (ARC), or the Human Immunodeficiency Virus (HIV);
  24. Weight reduction programs or the surgical Treatment of obesity including, but not limited to, wiring of the teeth and all forms of intestinal bypass Surgery;
  25. Cosmetic or plastic Surgery including deviated nasal septum; modifications of Your physical body intended to improve Your psychological, mental, or emotional well-being including, but not limited to, sex-change Surgery;
  26. Acne, moles, skin tags, disease of sebaceous glands, seborrhea, sebaceous cyst, unspecified disease of the sebaceous glands, hypertrophic and atrophic conditions of skin, nevus;
  27. Hazardous Activities unless You purchase optional hazardous activities coverage and then only for the activities covered under that option under Section 7;
  28. Injuries sustain while participating in professional Athletics, amateur Athletics, or interscholastic Athletics including, but not limited to, events, games, matches, practice, training camps, sport camps, conditioning, and any other activity related thereto but excluding non-competitive, recreational, or intramural activities;
  29. . Abuse, misuse, illegal use, overuse, dependency upon, or being under the influence of alcohol, drugs, chemicals, or narcotic agents unless administered under the advice of a Physician and taken in accordance with the proper dosing as directed by the Physician;
  30. Suicide or any attempt thereof; self-destruction or any attempt thereof; or any intentionally self-inflicted Injury or Illness;
  31. Terrorist Activity except as provided under Section 5.10; War, Hostilities, or War-Like Operations;
  32. Commission of a criminal offense or any other criminal or illegal activity as defined by the local governing body;
  33. You unreasonably fail or refuse to depart a country or location following the date a warning to leave that country or location is issued by the United States government or similar warnings issued by other appropriate authorities of either Your Host Country or Your Home Country;
  34. Service in the military, naval, coast guard, or air service of any country or while on duty as a member of a police force or unit;
  35. Treatment paid for or furnished under any other individual, government, or group policy or Expenses incurred at no cost to You;
  36. (ii) You while in Your Home Country unless covered under Section 3.8 or 3.9;
  37. Conditions for which travel was undertaken to seek Treatment after Your Physician has limited or restricted travel;
  38. Travel accommodations;
  39. Injury sustained while You are riding as a pilot, student pilot, operator, or crew member, in or on, boarding or alighting, from any type of aircraft;
  40. Injury sustained while You are riding as a passenger in any aircraft (i) not having a current and valid Airworthy Certificate and (i) not piloted by a person who holds a valid and current certificate of competency for piloting such aircraft;
  41. Flying in any aircraft being used for acrobatic or stunt flying, racing, endurance tests, rocket-propelled aircraft, crop dusting or seeding or spraying, firefighting, exploration, pipe or power line inspection, any form of hunting or herding, aerial photography, banner towing, or any experimental purpose; and
  42. Participating in contests of speed or riding or driving in any type of competition
  43. Loss of life;
  44. Long-term disability; or
  45. Financial guarantee, financial default, bankruptcy, or insolvency risks.
claims-icon Inbound USA visitor insurance claims
Please visit: : Seven Corners Claims Forms
Toll Free Number: 1.800.335.0477
Claims Department:
Email: claims@sevencorners.com
Fax: (+1) 317-575-2256
Seven Corners, Inc
. Attn: Claims
303 Congressional Boulevard
Carmel, IN 46032 USA

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