Inbound USA vs. VisitorSecure Insurance

When you're shopping around to buy visitors insurance, you may come across these two travel medical insurance plans: Inbound USA and VisitorSecure. Even though the two travel insurance policies may look similar at first, one may be much better suited for you based on your travel needs, so what is the difference between Inbound USA and VisitorSecure?

Inbound USA insurance and VisitorSecure insurance are both limited coverage plans, which means that they pay a fixed, pre-defined amount per incident for covered expenses. Find out the key differences between Inbound USA and VisitorSecure insurance plans featured in the comparison chart below.

Inbound USA
  • Administered by Seven Corners
  • Unlimited USA coverage and only up to 30 days of international coverage
  • Up to 12 months of coverage
  • Up to $70,000 policy maximum for travelers over the age of 70
  • Covers up to $130,000 for acute onset of pre-existing conditions for travelers under the age of 70
  • Policy maximum per incident


vs.
VisitorSecure
  • Administered by HCC MIS
  • USA and international coverage

  • Up to 728 days of coverage
  • Up to $75,000 policy maximum for travelers over the age of 70
  • Covers up to $100,000 for acute onset of pre-existing conditions for travelers under the age of 70
  • Policy maximum per policy period


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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