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Inbound® USA

Injury & Sickness Medical Insurance For Visitors

5 Days to 364 Days

How Inbound USA Insurance Works - Reviews

First

The deductible is met once per incident (injury or sickness), even for doctor visits.

Then

Plan pays fixed amounts according to the schedule of benefits and you pay the difference.

Overview

Inbound USA is a fixed coverage plan for non-U.S. citizens traveling to the United States. You can obtain an instant quote and/or purchase online on this web site. The insurance coverage can start as early as the next day or any future date you specify. As soon as you make a purchase, you will receive a virtual id card in your email. Physical cards, along with the policy, will be mailed to you on the next business day. You should receive them in about five to seven business days within the United States.

What is covered and not covered?

Inbound USA will generally pay for new medical conditions, injuries or accidents that may occur after the effective date of the policy. It does not cover any expenses related to pre-existing conditions, preventive check ups, immunizations or maternity. However, it covers an acute onset of pre-existing conditions up to the policy maximum per period of coverage for persons below the age of 70 years.

Prescription drugs are covered according to the schedule of benefits for covered medical expenses.

Dental is covered only up to a maximum of $550 for a covered injury to sound and natural teeth. For any practical dental coverage, consider a low cost plan from CAREINGTON that provides excellent dental coverage.

Inbound USA provides coverage in the USA including travel time as well.

How do I use the insurance?

Please look at the detailed description.

How much is covered?

First, you will have to pay a deductible (varies from $0 to $200) per incident (injury or sickness) before the insurance plan starts paying anything for the covered expenses, even for doctor visits. You will need to continue to pay all the money yourself until you have completely satisfied the deductible. The deductible is not just for the hospitalization. There is no concept of copay.

The deductible is applied only towards the eligible expenses.

Once you have satisfied the deductible, the plan pays fixed amounts according to the schedule of benefits up to the policy maximum. As you have to pay the difference beyond the benefit amount that is covered, there is no out of pocket maximum.

Covered Services, Injury & Sickness Benefit Maximums

Age 14 Days
to Age 69 Years
$50,000 Max
per Injury/Sickness
$75,000 Max
per Injury/Sickness
$100,000 Max
per Injury/Sickness
$130,000 Max
per Injury/Sickness
Physician or Urgent Care VisitsUp to $60/visit, 1/day, 10 visits maxUp to $75/visit, 1/day, 10 visits maxUp to $85/visit, 1/day, 10 visits maxUp to $115/visit, 1/day, 10 visits max
Prescription DrugsUp to $250 per period of coverageUp to $250 per period of coverageUp to $250 per period of coverageUp to $250 per period of coverage
Hospital Emergency RoomUp to $330Up to $465Up to $550Up to $750
Diagnostic X-Rays & Lab Services Up to $450 -
Additional $250 - One CAT scan, PET scan or MRI
Up to $475 -
Additional $375 - One CAT scan, PET scan or MRI
Up to $500 -
Additional $500 - One CAT scan, PET scan or MRI
Up to $650 -
Additional $600 - One CAT scan, PET scan or MRI
Hospital Room & Board Including MiscellaneousUp to $1,400/day, 30 day maxUp to $1,725/day, 30 day maxUp to $2,000/day, 30 day maxUp to $2,585/day, 30 day max
Hospital ICUAdditional $660/day, 8 day maxAdditional $755/day, 8 day maxAdditional $850/day, 8 day maxAdditional $1,105/day, 8 day max
SurgeryUp to $3,300Up to $4,400Up to $5,500Up to $7,150
Ambulance ServicesUp to $450Up to $475Up to $475Up to $475
Age 70 to Age 99$50,000 Max per Injury/Sickness$70,000 Max per Injury/Sickness
Physician or Urgent Care VisitsUp to $55/visit, 1/day, 10 visits maxUp to $75/visit, 1/day, 10 visits max
Prescription DrugsUp to $200 per period of coverageUp to $250 per period of coverage
Hospital Emergency RoomUp to $250Up to $350
Diagnostic X-Rays & Lab Services Up to $400 -
Additional $250 - One CAT scan, PET scan or MRI
Up to $560 -
Additional $300 - One CAT scan, PET scan or MRI
Hospital Room & Board Including MiscellaneousUp to $1,050/day, 30 day maxUp to $1,470/day, 30 day max
Hospital ICUAdditional $460/day, 8 day maxAdditional $640/day, 8 day max
SurgeryUp to $2,750Up to $3,850
Ambulance ServicesUp to $450Up to $450

Example:

Let's assume that you have taken a $50,000 policy maximum with $50 deductible.

  • Let's assume that the doctor charges $140/visit and you need to make 4 visits. For a doctors visit, the insurance plan covers $60. You have put $50 towards satisfying the deductible, at this point your deductible has been met. The insurance plan will reimburse you $10. For the second visit, since you have satisfied your deductible, the insurance plan will reimburse you $60. For subsequent visits treating the same incident, it will pay $60 per visit, 1 visit per day, 10 visits maximum.

  • Let's assume you need the emergency room for a separate incident. The charges for the emergency room come to $2,400. The insurance plan covers up to $330. Since the deductible has not been met, the insurance plan will reimburse $280 and you will pay the remaining $2,120.

  • Let's assume that you were in an accident and are hospitalized for 3 days and need one surgery, the total bill is $40,000. The insurance plan will pay $1,400 per day for hospital room & board for 3 days and $3,300 for surgery. Since the $50 deductible has not been met that would be withheld.

    $1,400 x 3 = $4,200 + $3,300 = $7,500 - $50 = $7,450
    $40,000 - $7,450 = $32,550

    The amount of $32,550 would be the patient responsibility.

Benefits Updated: 02/22/2017

Did you know?

Prices are regulated by law.

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

Learn More

Why purchase insurance from Insubuy®?

Same Price. Better Service.®

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

Learn More

Visiting USA?

Healthcare costs are very high in the U.S.

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

Learn More

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.

Learn More

New immigrant to USA?

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

Purchase new immigrant medical insurance to bridge the gap.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

To continue with the application please scroll down to confirm this notice

CALIFORNIA RESIDENTS SPECIAL NOTICE

1. THE INSURANCE POLICY THAT YOU ARE APPLYING TO PURCHASE IS BEING ISSUED BY AN INSURER THAT IS NOT LICENSED BY THE STATE OF CALIFORNIA. THESE COMPANIES ARE CALLED "NONADMITTED" OR "SURPLUS LINE" INSURERS.

2. THE INSURER IS NOT SUBJECT TO THE FINANCIAL SOLVENCY REGULATION AND ENFORCEMENT THAT APPLY TO CALIFORNIA LICENSED INSURERS.

3. THE INSURER DOES NOT PARTICIPATE IN ANY OF THE INSURANCE GUARANTEE FUNDS CREATED BY CALIFORNIA LAW. THEREFORE, THESE FUNDS WILL NOT PAY YOUR CLAIMS OR PROTECT YOUR ASSETS IF THE INSURER BECOMES INSOLVENT AND IS UNABLE TO MAKE PAYMENTS AS PROMISED.

4. THE INSURER SHOULD BE LICENSED EITHER AS A FOREIGN INSURER IN ANOTHER STATE IN THE UNITED STATES OR AS A NON-UNITED STATES (ALIEN) INSURER. YOU SHOULD ASK QUESTIONS OF YOUR INSURANCE AGENT, BROKER, OR “SURPLUS LINE” BROKER OR CONTACT THE CALIFORNIA DEPARTMENT OF INSURANCE AT THE FOLLOWING TOLL-FREE TELEPHONE NUMBER 1-800-927-4357. ASK WHETHER OR NOT THE INSURER IS LICENSED AS A FOREIGN OR NON-UNITED STATES (ALIEN) INSURER AND FOR ADDITIONAL INFORMATION ABOUT THE INSURER. YOU MAY ALSO CONTACT THE NAIC’S INTERNET WEB SITE AT WWW.NAIC.ORG.

5. FOREIGN INSURERS SHOULD BE LICENSED BY A STATE IN THE UNITED STATES AND YOU MAY CONTACT THAT STATE’S DEPARTMENT OF INSURANCE TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.

6. FOR NON-UNITED STATES (ALIEN) INSURERS, THE INSURER SHOULD BE LICENSED BY A COUNTRY OUTSIDE OF THE UNITED STATES AND SHOULD BE ON THE NAIC’S INTERNATIONAL INSURERS DEPARTMENT (IID) LISTING OF APPROVED NONADMITTED NON-UNITED STATES INSURERS. ASK YOUR AGENT, BROKER, OR “SURPLUS LINE” BROKER TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.

7. CALIFORNIA MAINTAINS A LIST OF APPROVED SURPLUS LINE INSURERS. ASK YOUR AGENT OR BROKER IF THE INSURER IS ON THAT LIST, OR VIEW THAT LIST AT THE INTERNET WEB SITE OF THE CALIFORNIA DEPARTMENT OF INSURANCE: www.insurance.ca.gov.

8. IF YOU, AS THE APPLICANT, REQUIRED THAT THE INSURANCE POLICY YOU HAVE PURCHASED BE BOUND IMMEDIATELY, EITHER BECAUSE EXISTING COVERAGE WAS GOING TO LAPSE WITHIN TWO BUSINESS DAYS OR BECAUSE YOU WERE REQUIRED TO HAVE COVERAGE WITHIN TWO BUSINESS DAYS, AND YOU DID NOT RECEIVE THIS DISCLOSURE FORM AND A REQUEST FOR YOUR SIGNATURE UNTIL AFTER COVERAGE BECAME EFFECTIVE, YOU HAVE THE RIGHT TO CANCEL THIS POLICY WITHIN FIVE DAYS OF RECEIVING THIS DISCLOSURE. IF YOU CANCEL COVERAGE, THE PREMIUM WILL BE PRORATED AND ANY BROKER’S FEE CHARGED FOR THIS INSURANCE WILL BE RETURNED TO YOU.

07/11
LSW1146D

Cuba Notice

Travel to Cuba remains subject to restrictions imposed by U.S. sanctions, administered by the US Treasury. Only those who qualify for travel authorized under US Treasury's regulations and who comply with the terms of such authorization can legally travel to Cuba. Individuals traveling to Cuba must meet the following criteria in order to qualify for travel authorized under one of the general licenses outlined below:

Criteria for travel authorized by the US Treasury

If you have read and agree to the terms of both Notices: California and Cuba, please click the continue button if you wish to complete the application process. Otherwise, please click cancel to abort the application process.

To continue with the application please scroll down to confirm this notice

CALIFORNIA RESIDENTS SPECIAL NOTICE

1. THE INSURANCE POLICY THAT YOU ARE APPLYING TO PURCHASE IS BEING ISSUED BY AN INSURER THAT IS NOT LICENSED BY THE STATE OF CALIFORNIA. THESE COMPANIES ARE CALLED "NONADMITTED" OR "SURPLUS LINE" INSURERS.

2. THE INSURER IS NOT SUBJECT TO THE FINANCIAL SOLVENCY REGULATION AND ENFORCEMENT THAT APPLY TO CALIFORNIA LICENSED INSURERS.

3. THE INSURER DOES NOT PARTICIPATE IN ANY OF THE INSURANCE GUARANTEE FUNDS CREATED BY CALIFORNIA LAW. THEREFORE, THESE FUNDS WILL NOT PAY YOUR CLAIMS OR PROTECT YOUR ASSETS IF THE INSURER BECOMES INSOLVENT AND IS UNABLE TO MAKE PAYMENTS AS PROMISED.

4. THE INSURER SHOULD BE LICENSED EITHER AS A FOREIGN INSURER IN ANOTHER STATE IN THE UNITED STATES OR AS A NON-UNITED STATES (ALIEN) INSURER. YOU SHOULD ASK QUESTIONS OF YOUR INSURANCE AGENT, BROKER, OR “SURPLUS LINE” BROKER OR CONTACT THE CALIFORNIA DEPARTMENT OF INSURANCE AT THE FOLLOWING TOLL-FREE TELEPHONE NUMBER 1-800-927-4357. ASK WHETHER OR NOT THE INSURER IS LICENSED AS A FOREIGN OR NON-UNITED STATES (ALIEN) INSURER AND FOR ADDITIONAL INFORMATION ABOUT THE INSURER. YOU MAY ALSO CONTACT THE NAIC’S INTERNET WEB SITE AT WWW.NAIC.ORG.

5. FOREIGN INSURERS SHOULD BE LICENSED BY A STATE IN THE UNITED STATES AND YOU MAY CONTACT THAT STATE’S DEPARTMENT OF INSURANCE TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.

6. FOR NON-UNITED STATES (ALIEN) INSURERS, THE INSURER SHOULD BE LICENSED BY A COUNTRY OUTSIDE OF THE UNITED STATES AND SHOULD BE ON THE NAIC’S INTERNATIONAL INSURERS DEPARTMENT (IID) LISTING OF APPROVED NONADMITTED NON-UNITED STATES INSURERS. ASK YOUR AGENT, BROKER, OR “SURPLUS LINE” BROKER TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.

7. CALIFORNIA MAINTAINS A LIST OF APPROVED SURPLUS LINE INSURERS. ASK YOUR AGENT OR BROKER IF THE INSURER IS ON THAT LIST, OR VIEW THAT LIST AT THE INTERNET WEB SITE OF THE CALIFORNIA DEPARTMENT OF INSURANCE: www.insurance.ca.gov.

8. IF YOU, AS THE APPLICANT, REQUIRED THAT THE INSURANCE POLICY YOU HAVE PURCHASED BE BOUND IMMEDIATELY, EITHER BECAUSE EXISTING COVERAGE WAS GOING TO LAPSE WITHIN TWO BUSINESS DAYS OR BECAUSE YOU WERE REQUIRED TO HAVE COVERAGE WITHIN TWO BUSINESS DAYS, AND YOU DID NOT RECEIVE THIS DISCLOSURE FORM AND A REQUEST FOR YOUR SIGNATURE UNTIL AFTER COVERAGE BECAME EFFECTIVE, YOU HAVE THE RIGHT TO CANCEL THIS POLICY WITHIN FIVE DAYS OF RECEIVING THIS DISCLOSURE. IF YOU CANCEL COVERAGE, THE PREMIUM WILL BE PRORATED AND ANY BROKER’S FEE CHARGED FOR THIS INSURANCE WILL BE RETURNED TO YOU.

07/11
LSW1146D

If you have read and agreed to the terms of this notice and wish to continue, please click the continue button. Otherwise, please click cancel to abort the application process.

Cuba Notice

Travel to Cuba remains subject to restrictions imposed by U.S. sanctions, administered by the US Treasury. Only those who qualify for travel authorized under US Treasury's regulations and who comply with the terms of such authorization can legally travel to Cuba. Individuals traveling to Cuba must meet the following criteria in order to qualify for travel authorized under one of the general licenses outlined below:

Criteria for travel authorized by the US Treasury

I certify that I have read the above and that all individuals applying for coverage qualify for travel authorized under one of the general licenses per US Treasury regulations.

Reset Application

Pressing “CONFIRM” will reset the whole application and erase all the data previously entered.

If you have already saved this application, you will still be able to retrieve the application with the information previously entered. Details for retrieval would have been given at the time of saving, which can be done any time after the initial quote.