Both Inbound USA and Inbound Guest insurance are excellent visitors insurance plans for persons temporarily visiting the United States. Both are administered by the same company and underwritten by the same company. Both have no PPO network and both are fixed coverage plans.
However, there are several differences, as described below:
As both are fixed coverage plans, after you pay the deductible, both of them pay a fixed amount for each and every procedure and you pay the difference yourself. However, as the policy maximums are slightly different, the benefits amounts are also slightly different.
For example, lets compare $50,000 Inbound USA vs $45,000 Inbound Guest for someone below the age of 70 years.
In this case, after the deductible, Inbound USA will pay $55 for Dr. visit, $330 for an emergency room and $3,300 for a surgery.
On the other hand, in this case, after the deductible, Inbound Guest will pay $50 for Dr. visit, $295 for an emergency room and $2,970 for a surgery.
In short, as the policy maximum goes up, individual benefits go up and vice versa.
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Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.Learn More
Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?
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You are not eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.Learn More
You could lose your non-refundable trip costs if you had to cancel your trip.
Buy a trip cancellation insurance package plan and be worry-free.Learn More
The U.S. Department of State requires all J visa holders to purchase compliant insurance.
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Schengen countries require most non-US citizens to purchase Schengen visa insurance.
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You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.Learn More
Most schools require international students to purchase health insurance.
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