Inbound USA vs. Inbound Guest Insurance
During your search to buy visitors insurance for a trip to the US, you may have come across two similar travel medical insurance plans: Inbound USA and Inbound Guest. At a first glance, these travel insurance plans may look identical to you, so what is the difference between Inbound USA and Inbound Guest insurance?
Inbound USA insurance and Inbound Guest insurance plans are both administered by Seven Corners. Both travel insurance policies are limited coverage plans, meaning that they pay claims according to fixed benefit tables. The comparison chart below highlights the key differences between Inbound USA insurance and Inbound Guest insurance, so you can make the best decision when buying travel insurance.
- Up to 364 days of coverage
- Must be purchased within 12 months of arriving in the US
- Up to $130,000 policy maximum for travelers under the age of 70
- Up to $70,000 policy maximum for travelers over the age of 70
- Lowest policy maximum available is $50,000
- Covers up to $130,000 for acute onset of pre-existing conditions
- Coverage available for incidental trip to home country
- Up to 180 days of coverage
- Must be purchased within 180 days of arriving in the US
- Up to $120,000 policy maximum for travelers under the age of 70
- Up to $100,000 policy maximum for travelers over the age of 70
- Lowest policy maximum available is $25,000
- Covers up to $120,000 for acute onset of pre-existing conditions
- No coverage available for incidental trip to home country
COMMON EXCLUSIONS (What's not covered)
- Preventative care (immunizations, routine medical exams)
- No coverage outside of the USA
- Injuries incurred from certain extreme sports and hazardous activities
- Pregnancy and maternity care
- Treatment for mental health disorders
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.