You are eligible for coverage if you are a non-United States citizen traveling to the U.S. for business, pleasure, or to study. Your coverage must become effective within 180 days of your arrival in the United States. It is your responsibility to maintain all records regarding travel history and age and provide necessary documents to Seven Corners to verify eligibility if required.
length of coverage
Your coverage length may vary from 5 days to 180 days. You have the option to renew coverage in any increment of 5 days or more (there is a $5 fee each time you renew). You may apply for a new period of coverage after 180 days if you return to your home country before doing so.
coverage start date - Coverage will not begin until you leave your home country, and we receive your application and premium. This is your effective date. coverage expiration date - Your coverage ends at 12:01 AM North American Eastern Time on the earlier of the following: the date you return to your home country; 180 days after your effective date; the expiration date on your ID card; the day you become a U.S. citizen or enter into active military service.
your insurance company
Inbound® Guest is underwritten by Certain Underwriters at Lloyd’s of London and is rated A “Excellent” by A.M. Best. In addition to being one of the largest insurance entities in the world, Lloyd’s has over 300 years of experience in the international insurance business.
Seven Corners, your program administrator
Seven Corners* has administered Inbound® Guest since inception. We have provided medical and travel insurance to corporations, international travelers, expatriates, students, overseas visitors, immigrants and global citizens for 20 years. Seven Corners Assist, our multilingual 24-hour assistance team, is hereto answer questions and help you choose a medical provider. Contact information for Seven Corners Assist is on your ID card. *In California, operating under the name Seven Corners Insurance Services.
your benefits
medical benefits - If your covered injury or sickness requires medical treatment, we will pay the coverage amounts in the schedule of benefits, minus your chosen per person deductible. Please note that treatment for your injury or sickness must be received within 26 weeks of your injury or sickness.provider network - If you visit one of our network physicians or facilities, your bill will automatically be reviewed for possible discounts. The scheduled benefit limits and the deductible will then be applied. If there is a remaining balance, you will be notified of the amount you owe. Please note: the amount of the discount varies based on the doctor, hospital and procedure. In some cases, a reduction in pricing may not be available.You are not required to use our network; however any treatment received outside the network will not be presented for possible discounts. You may go here to view the network: www.sevencorners.com/ppo under the Inbound plans.
international travel coverage - If you purchase at least 30 days of coverage, you may travel to countries other than the United States for up to 30 days. This benefit does not include travel back to your home country, and it does not extend after your current expiration date.
refund of premium
We realize there is uncertainty in international travel. Refund of total plan cost will be considered only if a written request is received by Seven Corners prior to your effective date of coverage. If the request is received after your effective date, the unused portion of the plan cost may be refunded minus a cancellation fee, provided you have not submitted a claim.
important terms
pre-existing condition means any medical condition, sickness, injury, illness, disease, mental illness or mental nervous disorder, regardless of the cause, including any congenital, chronic, subsequent, or recurring complications or consequences related thereto or resulting therefrom that with reasonable medical certainty existed at the time of application or within the 180 days (365 days if 70 & older) immediately prior to your effective date whether or not previously manifested, symptomatic, known, diagnosed, treated or disclosed. This specifically includes but is not limited to any medical condition, sickness, injury, illness, disease, mental illness or mental nervous disorder, for which medical advice, diagnosis, care or treatment was recommended or received orfor which a reasonably prudent person would have sought treatment during the 180 days (365 days if 70 & older) immediately preceding your effective date of coverage.
acute onset of a pre-existing condition means a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms and is of short duration, is rapidly progressive, and requires urgent care.The acute onset must occur after the effective date of the policy, and treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A pre-existing condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered an acute onset. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to your effective date of coverage.
home country means the country where you have your true, fixed and permanent home and principal establishment.
exclusions
The list below is a summary of the exclusions in the certificate. This brochure is intended as a brief summary of benefits and services and is not your policy. A complete description of the provisions, benefits, and exclusions are contained in the certificate of coverage which will be provided to you after your coverage has been issued. A sample of the certificate is provided online. If there is any difference between this brochure and your certificateof coverage, the provisions of the certificate will prevail. No benefits will be paid for loss or expense caused by, contributed to, or resulting from:
• Pre-existing Conditions. If you are a non-U.S. citizen under age 70, this exclusion is waived for an Acute Onset of a Pre-existing Condition (defined above) as shown in the schedule of benefits for your plan (A, B, C, D, or E). Benefits will be provided for expenses incurred in the U.S., minus your deductible and subject to the scheduled limits. All other exclusions apply.
Please see the brochure (at the top of this page) for full policy details including all the exclusions
Note from ROCO: Inbound Guest is for people traveling outside their home country to visit, study,temporarily reside, and vacation and is a visitors insurance. You can have Inbound Guest for up to 180 days. If your plan on visiting the USA for longer periods of time you would need to purchase a differet visitors insurance plan because you have to return to your home country before you can purchase this visitors plan again. An alturative you can have for 12 months that is a similar policy is Inbound USA. If you have any questions on this plan or any other visitors insurance please contact us.
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