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Difference between Inbound USA and Inbound Guest Insurance for Visitors to USA

Many customers routinely ask us "What is the difference between Inbound USA and Inbound Guest insurance"?

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:

Important Plan Differences

Available Policy Maximums
Available Policy Maximums
Maximum Duration
Maximum Duration
Age below 70: $50,000, $75,000, $100,000, $130,000
Age 70+: $50,000, $70,000
364 days
Age below 70: $25,000, $45,000, $65,000, $85,000, $120,000
Age 70+: $40,000, $60,000, $100,000
180 days

Benefits Difference

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.

For the complete schedule of benefits, please review the brochures of Inbound USA and Inbound Guest. You can also compare them side by side on insubuy.com for a given age and policy maximum.

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You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

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.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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