Inbound Guest 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 Guest and Visitors Care. Before you choose one of these travel health insurance policies, make sure that you understand the differences between Inbound Guest insurance and Visitors Care insurance.

Both Inbound Guest 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 Guest and Visitors Care.

Inbound Guest
  • Administered by Seven Corners
  • Unlimited USA coverage and only up to 30 days of international coverage
  • Up to 180 days of coverage
  • Covers up to $120,000 for acute onset of pre-existing conditions for travelers under the age of 70
  • No coverage for myocardial infraction/heart attack for travelers over the age of 70



vs.
Visitors Care
  • Administered by IMG
  • USA and international coverage

  • Up to 2 years of coverage
  • Covers up to $5,000 for stroke or heart attack for travelers under age of 70

  • Covers up to $2,500 for myocardial infraction/heart attack and stroke for applicants over the age of 70


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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