ChoiceAmerica Insurance and Inbound USA - Which is the best? - Ground maintenance (2023)

Visitor insurance is travel medical insurance that protects foreign visitors against unexpected medical emergencies and other risks.

When you're looking for visitors insurance, you want to know what's covered and what's not. Health care and medical expenses can be very expensive in some countries, especially the United States.

Your travel insurance plan should provide comprehensive coverage, including any applicable medical benefits.

Visitors insurance is designed to provide coverage in the event of an accident or medical emergency, paying for medical expenses such as hospital bills, lost or stolen luggage, canceled flights, and more.

Between comprehensive insurance plans and limited insurance plans, if your risk is high, we recommend considering a comprehensive insurance plan.

If you would like more details on the difference between full coverage and a limited coverage plan, you can requestmore information here.

If your perceived risk level for a medical emergency or other travel hazards is lower, these 2 plans with limited coverage may be good options.

These plans are compared in this article to help you decide which one best suits your travel insurance needs for a visit to the United States.

These visitor insurance policies are designed to include travel insurance and medical insurance and offer good protection.

Choose the travel medical insurance that best suits your needs, taking into account both the price and the benefits of each one.

Still wondering if you need travel insurance?

Watch our YouTube video on the top 10 reasons to buy travel insurance

Highlights: ChoiceAmerica vs. Health insurance plans for inbound travel to the US

Although there are several visitor insurance plans available, ChoiceAmerica and Inbound USA Insurance are two of the best limited coverage travel insurance packages for international travelers to the United States.

Both insurance plans are reputable and offer fixed limits on travel medical insurance coverage.

One of the main differences between the two plans is that ChoiceAmerica includes COVID-19 coverage, while Basic Inbound USA does not.

Despite their apparent similarities, these two plans have key differences. You can use the comparison chart below to choose the best plan for your needs.

ChoiceAmerica Insurance and Inbound USA - Which is the best? - Ground maintenance (1)

About ChoiceAmerica Travel Insurance

The insurer or administrator of Choice America's travel medical insurance plan is International Medical Group (IMG). It is a plan that covers a variety of potential travel-related issues, including cancellations, interruptions, and delays; medical emergencies and evacuations; lost or damaged baggage; and much more.

It also offers 24/7 assistance services to help travelers with any issues that may arise during their trip.

ChoiceAmerica coverage is a low-cost scheduled benefit plan that provides visitors traveling to the United States, Canada and Mexico with the best health and medical coverage. ChoiceAmerica insurance offers all the travel protection you need at a fair price, making it a great plan, even if the coverage may be considered basic or straightforward.

You are a member of the First Health PPO network. If you go to a medical or medical center, hospital or emergency center, show your ID and declare the coverage as travel medical insurance.

Depending on the institution's billing policy, a payment may be required, which you can request.

Non-US citizens ages 15-79 traveling to the United States, Mexico, or Canada are eligible for ChoiceAmerica insurance. The applicant must not be a citizen or permanent resident of the host country to which they will be traveling.

Continue reading the proof of travel medical insuranceChoiceAmerica Travel Insurance Plan

About health insurance for visitors entering the US

This limited coverage insurance policy covers foreign citizens temporarily residing in the United States.

The US entry offers 2 options viz. Basic and Choice, although Inbound USA Choice has higher coverage limits than Inbound USA Basic.

Inbound USA is a low-cost insurance policy that offers limited coverage for any event.

Green card holders or other permanent US card holders traveling in and out of the US are not eligible for US entry insurance.

Travelers to the United States should know that medical costs in the United States are among the highest in the world. The cost of an emergency medical evacuation can be extremely high. If you need transportation to a medical facility in an emergency, this plan will pay up to $1,00,000.

It's important to have travel medical insurance like Inbound USA to protect you from illness or injury while traveling.

It offers 24/7 multilingual travel assistance services provided by experienced staff who can assist you with medical treatment.

What do the plans cost?

ChoiceAmerica Insurance and Inbound USA - Which is the best? - Ground maintenance (2)

The plans have very competitive prices, you must choose based on the health insurance you need and the limits established in the policy of each plan.

For example, if you need coverage for acute pre-existing conditions, you can buy it as an add-on to the Choice America plan. The cost above includes this add-on.

Please note that this is a limited coverage plan, so the thresholds for pre-existing conditions are limited:

Acute onset Pre-existing Deductible $50/incident

$1,500 maximum: Emergency room visit and/or hospitalization for pre-existing medical conditions

$1,000 maximum limit – laboratory and radiology per pre-existing condition

$150 maximum/visit – Physician (maximum 3 visits)

$100 limit: prescriptions for acute onset of pre-existing conditions

When you need more acute coverage for pre-existing conditions, you need comprehensive visitors insurance.

What is the insurance coverage for pre-existing conditions?

Any illness, disease, injury, mental illness, or disorder of the mental nervous system that requires medical advice, diagnosis, care, or treatment, or for which a prudent person would have sought treatment, is called a "pre-existing medical condition." condition". "

Any medical problems you had before the policy went into effect are known as pre-existing conditions. When a qualified claim is filed, this coverage can be added. Be sure to review the coverage offered by this passenger so you don't miss any important details.

Travel to the United States also provides insurance coverage for the acute onset of pre-existing conditions up to age 79.

The acute onset of previous illnesses is ensured up to 79 years of age. For this benefit, people under the age of 70 receive $50,000 or $75,000 for the Basic or Choice option. The coverage limit for people ages 70-79 is $25,000. No insurance coverage for people over 80 years of age.

This benefit does not cover a chronic, congenital, or progressively deteriorating pre-existing condition. Coverage is excluded for any known, anticipated, essential, or planned medical care, medication, or treatment that existed or was required prior to the effective date of coverage.

Covid-19 coverage

In accordance with the provisions of the policy, ChoiceAmerica's travel medical insurance provides coverage for costs related to Covid-19 if you become infected after the policy date, as well as other medical expenses.

As with any other illness or injury that qualifies for illness coverage, ChoiceAmerica insurance includes coverage for Covid-19 (illness that occurs after the effective date of the insurance policy).

Although insurance for visitors entering the US does not provide coverage for COVID-19.

Therefore, for the duration of the policy, the insured is protected from Covid-19 through ChoiceAmerica Travel Health Plans.

maximum policy

Comparison of the maximum insurance coverage of these limited coverage plans:

  • ChoiceAmerica Insurance Policy Limit: $150,000
  • US Immigration Insurance Limit: US$1,50,000

ChoiceAmerica Travel Health Insurance offers 3 options in a maximum policy

  • Option 1. $50,000
  • Option 2: $100,000
  • Option 3. $150,000

Entry to the US offers 3 options:

  • Option 1. $50,000
  • Option 2: $100,000
  • Option 3: $150,000

Senior Traveler Policy Limits:

  • Change 79-99: $50,000/$100,000

Insurance plan and its benefits

ChoiceAmerica Travel Insurance – International Medical Group (IMG)

IMG Travel Insurance is a leading and reputable travel insurer based in Indianapolis.

International Medical Group (IMG) is a global provider of medical and travel insurance. The company offers a range of insurance products and services for individuals, families and businesses, including travel medical insurance, international medical insurance and emergency assistance services.

IMG offers insurance coverage for people traveling abroad and for expatriates living and working in other countries. The company has a network of medical providers and facilities around the world, providing access to care services 24 hours a day, 7 days a week.

Some of the benefits of the plans offered by International Medical Group are:

  1. Comprehensive plans provide coverage and access to an extensive PPO network
  2. They provide support and customer service so you always have access when you need it.
  3. IMG offers a wide range of travel medical insurance to meet all needs.

Find out about our complete IMG travel insurance coverage

Returning from the USA - Seven Corners Travel Insurance

Seven Corners is a travel insurance company that offers a variety of international visitor and medical care plans. These plans can cover things like trip cancellation, medical expenses, and emergency evacuation.

Some of the company's plans are specially designed for travelers going abroad for work, study or pleasure. Additional travel medical insurance. Seven Corners also offers pet insurance and other types of insurance products.

For US and non-US citizens, Seven Corners is a travel insurance company with a wide range of plan options. The company offers one-time and annual vacation packages, as well as student-specific options and travel medical insurance.

Below are some benefits of the plans SEVEN CORNERS offers:

  • Visitors insurance plan with comprehensive coverage including emergency medical evacuation for people traveling to the United States.
  • They offer customer support so you can always get in touch with them when you need them.
  • For every need, Seven Corners offers a wide variety of travel insurance options.

Check out the complete guide to Seven Corners travel insurance

other covers

Any illness or injury covered by travel medical insurance will be reimbursed as qualified medical expenses. Any incident defined as covered in the Insurance Document will also be paid or reimbursed to you in accordance with the terms and limitations of the Insurance Document.

Let's take a look at the other benefits ChoiceAmerica travel medical insurance offers compared to US immigration insurance in the table below.

ChoiceAmerica Insurance and Inbound USA - Which is the best? - Ground maintenance (3)

Border Patrol Insurance for ChoiceAmerica

Some people may find it difficult to travel in North America, especially if the tour stops at the port of entry. Of course, it is incredibly frustrating when the border guards refuse to let you in. Rebooking a flight home also comes with unexpected costs.

Travelers in this case, according to the terms of the policy, receive an economy class plane ticket to return to their country of origin.

ChoiceAmerica Insurance is a good limited or fixed coverage plan that money can buy. US entry points at ChocieAmerica in multiple areas with higher limits available.

frequent questions

How are pre-existing medical conditions covered by the Seven Corners US immigration policy?

You are protected by the service in case of acute onset of pre-existing diseases. Please refer to the policy documents for more information, including monetary amounts and age limits. Coverage varies by age and plan.

Does ChoiceAmerica cover Covid-19?

If you become infected with the virus after the effective date of the policy and you have left your country of residence, ChoiceAmerica will cover and treat you in the same manner as any other qualifying illness.

Is Seven Corners a reputable insurance company?

Since 1997, Seven Corners Inc. has been an insurance company that sells travel insurance. With more than 200 employees and offices in Carmel, Indiana, Seven Corners Travel Insurance offers domestic and international travel insurance policies. Seven Corners Insurance provides health and safety coverage for travelers outside of their home country.

Are the coronavirus vaccine and boosters covered by the ChoiceAmerica plan?

The COVID-19 vaccine and booster are not covered by the ChoiceAmerica plan. However, if COVID-19 is contracted after the policy effective date, COVID-19 treatment and services are covered in the same manner as any other qualifying condition. The policy does not cover preventive treatment for COVID-19, such as immunizations or booster shots.

How can Inbound USA Basic be used when seeking medical care?

Inform the health professional you visit that you have basic insurance from Inbound USA. If they want to confirm your benefits and eligibility, show them your ID and ask them to contact Seven Corners Assist.

Will my ChoiceAmerica plan automatically renew or renew?

Your Choice America plan does not automatically renew or renew. The renewal or renewal must be activated manually after logging into your online account. Check the terms of your policy to see if you qualify for an extension.

Choiceamerica or Inbound USA: Which is better?

Your travel insurance needs will determine the best type of insurance. Visitors to the United States receive medical coverage and other travel and emergency benefits covered by the ChoiceAmerica Limited plan, while the Inbound USA plan is a basic plan that provides visitors to the United States with fixed or scheduled health care benefits for up to 364 years extended short-term medical protection.

Our parents are elderly travelers visiting us in the United States. What travel insurance plan should we consider?

We recommend considering comprehensive travel medical insurance, which you can read more aboutThings to Consider When Buying Senior Insurance

a line of trusttravel insurance market, like OnshoreKare, allows you to compare and shop for visitors insurance.

Compre o plano ChoiceAmerica

Buy tickets to the US


We hope this article has helped you gather information on how ChoiceAmerica vs. Inbound USA Basic.

Both limited plans are excellent and very popular for visitor health insurance. When we travel, especially when family members come to the United States, our main concern is our travel medical insurance.

For foreign visitors to the US, ChoiceAmerica and Inbound USA are highly recommended insurance options.

Have a good trip!

Sign:7 corners Americano compare plans IMG United States Incoming Entrance to the US base US Entry Option insurance for parents international medical group Limited Coverage Plans health insurance Parents visiting the US seven corners travel insurance comparison travel medical insurance


Which is best travel insurance for USA? ›

This is the shortlist of the best travel insurance options in February of 2023:
  • USI Affinity Travel Insurance Services.
  • Travel Insured International.
  • World Nomads.
  • Berkshire Hathaway Travel Protection.
  • Travelex Insurance Services.
  • Seven Corners.
  • IMG.
  • AXA Assistance USA.

Which insurance is best for travel insurance? ›

Compare the Best Travel Insurance Companies
CompanyStarting PriceCoverage Limit
Travelex Best Overall$24$25,000
Allianz Travel Insurance Runner-Up, Best Overall$138Starting at $3,000
InsureMyTrip Best Value$25 to $100Varies
World Nomads Most Comprehensive Coverage$100 to $200$2,500 to $10,000
3 more rows

Which travel health insurance is best in India? ›

Summary: Best Travel Insurance Plans In India 2023
Policy NameForbes Advisor India RatingCovid-19 Coverage
Universal Sompo Travel Worldwide4.5Yes
Bajaj Allianz Bharat Bhraman Insurance Policy4.5Yes
Reliance Travel Care Policy – Senior Citizens4.5Yes
ICICI Lombard Overseas Travel Insurance4.0Yes
3 more rows

What insurance is accepted in all 50 states? ›

Most Blue Cross Blue Shield members can rest easy since Blue Cross Blue Shield coverage opens doors in all 50 states and is accepted by over 90 percent of doctors and specialists. And if your extended travel plans take you abroad, you can ensure you have access to quality care through GeoBlue.

What are the 3 main types of insurance in USA? ›

Then we examine in greater detail the three most important types of insurance: property, liability, and life.

What travel insurance will not cover? ›

Most travel insurance policies won't pay out if you have an accident or have property stolen while you're under the influence of drugs or alcohol.

How do I get the best deal on travel insurance? ›

Make sure your policy includes the country you are travelling to. Consider how many trips you plan to make. Annual cover tends to be the best value if you are travelling more than twice in a year. Single trip cover may make more financial sense if you are only planning to head away once or twice.

What to look for when buying travel insurance? ›

Your travel insurance should always include the following cover:
  • medical expenses and cover for getting you home if you're injured or fall ill abroad.
  • personal injury and cover for accidents or damage caused by you.
  • cover for lost or damaged items.
  • cover for lost or delayed baggage.

Which company is best in health insurance? ›

Best Health Insurance Plans In India January 2023
  • Best Health Insurance Policies.
  • Aditya Birla Activ Health + Multiply Fit Combo.
  • ICICI Lombard- Complete Health Insurance Policy.
  • STAR Health's Senior Citizens Red Carpet Health Policy.
  • HDFC ERGO My: Health Women Suraksha.
  • Care Youth Health Insurance plan.

Which company medical policy is best? ›

List of Best Health Insurance Companies in India
Health Insurance CompaniesNetwork HospitalsICR (2020-2021)
Bajaj Allianz Health Insurance6500+77.31%
Bharti AXA Health Insurance4500+65.37%
Care Health Insurance16500+55.15%
Cholamandalam MS Health Insurance6500+77.35%
20 more rows

Which health policy is best? ›

Best Health Insurance Plans in India
Health Insurance PlansEntry Age (Min-Max)
Reliance Critical illness Insurance18-55, 60, & 65 years (as per the SI)
Royal Sundaram Lifeline Supreme Health Plan18 years & above
SBI Arogya Premier Policy3 months – 65 years
Star Family Health Optima Plan18-65 years
20 more rows

What insurances are not recommended? ›

15 Insurance Policies You Don't Need
  • Private Mortgage Insurance. ...
  • Extended Warranties. ...
  • Automobile Collision Insurance. ...
  • Rental Car Insurance. ...
  • Car Rental Damage Insurance. ...
  • Flight Insurance. ...
  • Water Line Coverage. ...
  • Life Insurance for Children.

What two states have no insurance? ›

Which states don't require car insurance?
  • New Hampshire: In New Hampshire, drivers only need to prove their ability to pay for damage following a car accident. ...
  • Virginia: Virginia allows its residents to pay an "uninsured motorist fee" for about $500 per year.
Jan 3, 2023

What state has best healthcare for seniors? ›


What is the largest insurance company in the United States? ›

State Farm is the largest property and casualty insurance in the United States, with more than $70 billion in premiums in 2021.

What 4 types of insurance should everyone have? ›

There are, however, four types of insurance that most financial experts recommend we all have: life, health, auto, and long-term disability."

What is the oldest insurance company in the US? ›

1752 The Philadelphia Contributionship for the Insurance of Houses from Loss by Fire, the oldest insurance carrier in continuous operation in the United States, was established. 1759 Presbyterian Ministers Fund, the first life insurance company in the United States, was founded.

At what age can you no longer get travel insurance? ›

Different insurers impose different maximum age limits on their policies. While some providers set the limit as low as 65-years old, others will cover senior citizens aged 100 years or even older.

Are you covered for Covid on travel insurance? ›

If you are required to be quarantined while abroad, you may be covered by your insurance policy, including any relevant medical expenses that are required, provided that there is no COVID-19 exclusion. This may also include additional accommodation and travel expenses. Check with your insurer if you have any questions.

What is the longest travel insurance cover? ›

Long-stay travel insurance is cover that protects you on longer-term trips. Most standard travel policies will only cover you for holidays of up to 31 days – although some single-trip policies will cover a three-month stay. Long-stay travel insurance generally covers trips lasting up to 18 months.

Does travel insurance actually pay out? ›

Your travel insurance policy can reimburse you for prepaid, non-refundable trip deposits if a trip is canceled for a covered reason. These outlays can include airline tickets, hotel rooms, rental cars, tours and cruises, says Daniel Durazo, spokesperson with Allianz Travel Insurance.

Does travel insurance cover 100%? ›

It doesn't offer full reimbursement. Different policies have varying reimbursement percentages ranging from 50% to 75%. A trip cannot be canceled at the last minute. You will need to cancel usually two days in advance to get reimbursed.

What is a reasonable amount to pay for travel insurance? ›

Travel insurance can cost anywhere between $2 and $6 a day depending on your age, travel destination, cover level and if you have any pre-existing health conditions. Updated Jun 6, 2022 .

Does age matter in travel insurance? ›

Will my age affect my eligibility for travel insurance? Generally speaking, no. While your age can affect your eligibility for certain coverages, we have packages and plans that cover all age groups.

What are the two types of travel insurance? ›

There are two main types of travel insurance: trip protection plans and travel medical plans.

How many days in advance should I buy travel insurance? ›

If you're wondering when you should buy travel insurance, the simple answer is, “as soon as possible.” Ideally, you'll buy coverage no later than 15 days prior to your trip.

Who is the top five insurance company? ›

  • USAA. 4.3. U.S. News Rating. USAA is the best insurance company in our ratings. ...
  • State Farm. 4.2. U.S. News Rating. ...
  • Farmers. 4.1. U.S. News Rating. ...
  • Nationwide. 4.1. U.S. News Rating. ...
  • Geico. 4.1. U.S. News Rating. ...
  • Allstate. 4.0. U.S. News Rating. ...
  • Travelers. 4.0. U.S. News Rating. ...
  • Progressive. 3.9. U.S. News Rating.
Feb 1, 2023

What is the number one best health insurance? ›

Kaiser Permanente is the top-rated health insurance company in the U.S., according to available state data from the National Committee for Quality Assurance (NCQA).

What is the number 1 health insurance in the US? ›

Health Care Service Corporation (HCSC), a mutual legal reserve company, is the largest customer-owned healthcare insurance company in the US.

Which health insurance company has the highest customer satisfaction? ›

The best health insurance companies by category
  • Best for customer satisfaction: Kaiser.
  • Best for ease of service: Kaiser.
  • Best for policy offerings: Kaiser and Blue California.
  • Best digital experience: Aetna.
  • Best for seniors: Humana.
  • Best low deductibles: Blue California.
  • Best for its provider network: Anthem.
Jan 23, 2023

Which insurance company has best claim settlement ratio? ›

Four stand-alone health insurers including Aditya Birla Health Insurance, ManipalCigna Health Insurance, Niva Bupa Health Insurance and Star Health Insurance also recorded over 99 per cent claim-settlement ratios in the first three months in the financial year 2021-22. Aditya Birla Health insurance Co.

Which type of policy is best? ›

Term insurance is the purest and most affordable among the types of insurance policy in which, you can opt for a high life cover for a specific period.

Which policy gives best returns? ›

8 best investment plans in India for high returns
  • Saving Account.
  • Liquid Funds.
  • Short-Term & Ultra Short-Term Funds.
  • Equity Linked Saving Schemes (ELSS)
  • Fixed Maturity Plans.
  • Treasury Bills.
  • Gold.

Where should I buy travel insurance from? ›

Travel insurance can give you extra protection if your holiday doesn't go as planned. So you should make sure you have cover if you're planning a trip away.
You can buy it from:
  • insurance companies.
  • banks.
  • retailers and supermarkets.
  • travel agents.
  • online comparison websites.
  • holiday companies.

How much does US travel insurance cost? ›

Considering all of the policies below, the average cost of travel insurance is $148.
Average cost of travel insurance.
CompanyAverage Premium
Average Quote$148
AIG Travel Guard Platinum$216
AIG Travel Guard Gold$143
AIG Travel Guard Silver$122
8 more rows

Is it worth buying visitor insurance in USA? ›

Many people ask the question, “Is it worth buying travel insurance when traveling to the USA?” Absolutely, yes, it is worth it. The United States provides the highest quality healthcare in the world; however, it is also the most expensive in the world.

Who has the best healthcare coverage? ›

Kaiser Permanente is the top-rated health insurance company in the U.S., according to available state data from the National Committee for Quality Assurance (NCQA).

Which healthcare provider is the best? ›

In our analysis, the best overall health insurance provider is Kaiser Permanente, which earned an overall quality rating of 4.28 out of 5 from the National Committee for Quality Assurance (NCQA). The runner-up was Blue Cross Blue Shield, with an overall score of 3.86.

Does travel insurance increase at age 65? ›

As you get older, you'll find the price you pay for insurance increases. The same goes for travel insurance. This is mainly because insurers perceive older travellers as being at a higher risk of making claims.

At what age does travel insurance increase? ›

Many travel insurers charge higher premiums when you get to 65 years old, with some even increasing premiums when you reach your early 30s.

Is it cheaper to buy travel insurance separately? ›

As a one-off cost, for a one-off holiday, this type of policy is usually cheaper than an annual policy. But if you enjoy a couple of breaks each year and take out a single policy each time, the cost can soon add up. Find out more about single trip travel insurance.

Which is better PPO or HMO USA? ›

Generally speaking, an HMO might make sense if lower costs are most important and if you don't mind using a PCP to manage your care. A PPO may be better if you already have a doctor or medical team that you want to keep but doesn't belong to your plan network.

What happens if a tourist gets sick in USA? ›

Contact the nearest U.S. Embassy or Consulate for a list of local healthcare providers and medical facilities. If your illness is serious, consular officers can help you find medical assistance, and, if you desire, inform your family and/or friends.

Why is travel insurance to USA so expensive? ›

Why is travel insurance to USA so expensive? Travel insurance to USA is so expensive because medical care costs are much higher than average for the rest of the world. Since medical claims account for 31% of travel insurance claims, the medical aspect of cover is nothing to be sneezed at.


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