Inbound USA Choice vs. Visitors Care Insurance

While searching to buy visitors insurance for a trip to the USA, you may have settled on two similar travel medical insurance plans: Inbound USA Choice and Visitors Care. Before you choose one of these travel health insurance policies, make sure that you understand the differences between Inbound USA Choice insurance and Visitors Care insurance.

Both Inbound USA Choice and Visitors Care insurance are limited insurance plans, meaning that they pay a fixed, pre-defined amount for each medical treatment or service. However, depending on their specific travel medical benefits and policy maximums, one may be better suited for your travel needs. Refer to the comparison chart below to find out the difference between Inbound USA Choice and Visitors Care.

Inbound USA Choice
  • Administered by Seven Corners
  • Up to 364 days of coverage
  • Covers up to $50,000 for acute onset of pre-existing conditions for travelers under the age of 70
  • Does not cover COVID-19



vs.
Visitors Care
  • Administered by IMG
  • Up to 2 years of coverage
  • Covers up to $100,000 for acute onset of pre-existing conditions for travelers under the age of 70
  • Covers COVID-19 like any other eligible medical condition if the virus was contracted after the policy effective date


COMMON EXCLUSIONS (What's not covered)
  • Preventative care (immunizations, routine medical exams)
  • Accidental death and dismemberment (AD&D) coverage
  • Terrorism coverage
  • Trip interruption coverage
  • Pregnancy and maternity care
BEWARE: Risk of Limited Plans

Limited coverage insurance plans may be less expensive, but come with higher liability risks. Since limited travel insurance policies only cover a fixed, pre-defined amount for each benefit, you pay for any costs that exceed the pre-defined amount for any given medical treatment or service, and those medical costs could potentially run up to thousands of dollars.

Example: If you have a limited coverage policy with a limit of $400 for ambulance services, which costs about $2,000, then you have to pay the difference – a liability of $1,600.

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