<SUBMISSION>
<ACCESSION-NUMBER>0001209191-08-065737
<TYPE>4
<PUBLIC-DOCUMENT-COUNT>1
<PERIOD>20081211
<FILING-DATE>20081215
<DATE-OF-FILING-DATE-CHANGE>20081215
<REPORTING-OWNER>
<OWNER-DATA>
<CONFORMED-NAME>WEBB KENT H
<CIK>0001278681
</OWNER-DATA>
<FILING-VALUES>
<FORM-TYPE>4
<ACT>34
<FILE-NUMBER>001-15667
<FILM-NUMBER>081249427
</FILING-VALUES>
<BUSINESS-ADDRESS>
<PHONE>972-915-3200
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>1000 SW 44TH STREET
<STREET2>SUITE 100
<CITY>OKLAHOMA CITY
<STATE>OK
<ZIP>73109
</MAIL-ADDRESS>
</REPORTING-OWNER>
<ISSUER>
<COMPANY-DATA>
<CONFORMED-NAME>Access Plans USA, Inc.
<CIK>0001017440
<ASSIGNED-SIC>7389
<IRS-NUMBER>731494382
<STATE-OF-INCORPORATION>OK
<FISCAL-YEAR-END>1231
</COMPANY-DATA>
<BUSINESS-ADDRESS>
<STREET1>4929 WEST ROYAL LANE
<STREET2>SUITE 200
<CITY>IRVING
<STATE>TX
<ZIP>75063
<PHONE>972-915-3295
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>4929 WEST ROYAL LANE
<STREET2>SUITE 200
<CITY>IRVING
<STATE>TX
<ZIP>75063
</MAIL-ADDRESS>
<FORMER-COMPANY>
<FORMER-CONFORMED-NAME>PRECIS INC
<DATE-CHANGED>20030314
</FORMER-COMPANY>
<FORMER-COMPANY>
<FORMER-CONFORMED-NAME>PRECIS SMART CARD SYSTEMS INC
<DATE-CHANGED>19990827
</FORMER-COMPANY>
</ISSUER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>doc4.xml
<DESCRIPTION>FORM 4 SUBMISSION
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0303</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2008-12-11</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0001017440</issuerCik>
        <issuerName>Access Plans USA, Inc.</issuerName>
        <issuerTradingSymbol>AUSA</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001278681</rptOwnerCik>
            <rptOwnerName>WEBB KENT H</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>1000 SW 44TH STREET</rptOwnerStreet1>
            <rptOwnerStreet2>SUITE 100</rptOwnerStreet2>
            <rptOwnerCity>OKLAHOMA CITY</rptOwnerCity>
            <rptOwnerState>OK</rptOwnerState>
            <rptOwnerZipCode>73109</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>$.01 par value common stock</value>
            </securityTitle>
            <transactionDate>
                <value>2008-12-11</value>
            </transactionDate>
            <deemedExecutionDate>
                <value>2008-12-11</value>
            </deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>P</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>7478</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>0.30</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>132697</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>$.01 par value common stock</value>
            </securityTitle>
            <transactionDate>
                <value>2008-12-12</value>
            </transactionDate>
            <deemedExecutionDate>
                <value>2008-12-12</value>
            </deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>P</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>2022</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>0.30</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>134719</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <footnotes></footnotes>

    <remarks></remarks>

    <ownerSignature>
        <signatureName>Kent H. Webb</signatureName>
        <signatureDate>2008-12-15</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SUBMISSION>
