VisitorSecure vs. Inbound Guest Insurance

During your search to buy visitors insurance for your next trip abroad, you may have come across these travel medical insurance plans: VisitorSecure and Inbound Guest. Both of these travel health insurance policies are good for traveling to the USA, but what is the difference between VisitorSecure and Inbound Guest?

Both VisitorSecure insurance and Inbound Guest insurance are limited coverage plans, meaning they pay a fixed, pre-defined amount for each benefit. To find out about the differences between VisitorSecure and Inbound Guest, refer to the comparison chart below.

VisitorSecure
  • Administered by HCC MIS
  • USA and international coverage

  • Up to 728 days of coverage
  • Covers up to $100,000 for acute onset of pre-existing conditions
  • Up to $75,000 policy maximum for travelers over the age of 70
  • Policy maximum per policy period
  • No coverage for cancer treatment

  • No coverage for mental and nervous disorders and substance abuse



vs.
Inbound Guest
  • Administered by Seven Corners
  • Unlimited USA coverage; 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
  • Up to $100,000 policy maximum for travelers over the age of 70
  • Policy maximum per incident
  • Covers chemo and radiation therapy up to a limit (limitations apply)
  • Covers mental and nervous disorders and substance abuse the same as any new sickness


COMMON EXCLUSIONS (What's not covered)
  • Preventative care (immunizations, routine medical exams)
  • Pregnancy and maternity care
  • Mental and nervous disorders
  • Injuries incurred from certain extreme or hazardous sports
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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