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INF Insurance, INF travel insurance reviews

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  Visitor insurance USA details

About INF plans, INF traveler USA insurance reviews

For over 30 years, INF has provided award winning visitors insurance options to millions of travelers to the United States. We’re committed to providing innovative insurance products, quality customer care, and being there for our members when they need us the most. INF offers coverage for Pre-Existing Visitor Accident & Sickness Insurance on the market- providing the coverage necessary for many travelers visiting their families in the United States or Canada. You can travel with confidence when you have the coverage you want, and the peace of mind you need.

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INF insurance does not cover medical tourism

INF insurance will not cover visitors to US if they are already sick, if a traveller is already in the hospital, expecting to use the insurance, if travelers have scheduled medical procedures, or if travelers are seeking on-going treatment. If a visitor proceeds to do any of the preceding, it may result in the cancellation of coverage, full refund of the amount paid, and all claims denied.
INF has a 5 day waiting period for new sickness / pre-existing coverage if the traveler has already arrived in the United States.

Best Travel insurance with Pre-existing Conditions Coverage

Pre-existing condition is a medical ailment that existed before the start of the travel insurance policy.Pre-existing condition is a sudden relapse of the pre-existing condition without advance warning which requires medical attention within 24 hours. As of a few years ago, companies now exclude chronic illnesses from this "Pre-existing condition" coverage which has deep impacts to people purchasing travel health insurance, particularly people with these conditions and older travelers.

Travelers with pre-existing conditions always find it hard to buy travel health insurance. There are various conditions that are considered as pre-existing diseases but some of common ailments in this category are asthma, food & drug allergies, environmental allergies, heart related issues, high blood pressure, kidney disease, cancer, and diabetes. Typically all insurance providers have their terms and conditions for the pre-existing condition coverage provided. Most do not cover anything related to a pre-existing condition. Travelers can buy a travel insurance policy without a medical check, however most insurance providers only provide coverage for pre-existing conditions which excludes chronic illnesses, like cancer, diabetes, and heart conditions. With the pre-existing condition there is a "look back" period of 60-180 days to determine the claim.

Some insurance providers offer travel insurance for pre-existing conditions with fixed or limited coverage which may be suitable for people without chronic illnesses, like food allergies and certain asthma conditions. The Safe Travels USA, Safe Travels USA Cost Saver, and Safe Travels USA Comprehensive all offer $1000 coverage for pre-existing conditions without limitation to chronic illness. If travelers have a medical condition they are concerned about, it is very important for them to buy a policy that includes the illnesses in the coverage and to be aware of the terms of pre-existing condition coverage.

INF is one of the few companies which offers travel insurance plans for travelers with full coverage for pre-existing ailments. They define pre-existing conditions differently and do not exclude chronic illness. First of all, if the person has had no flare up or change in their condition, even if they take medication for it (as long as there has been no change in medication) for 12 months prior to the start of the plan, then the plan does not consider it as a pre-existing condition. If there has been a flare up or change in the condition, then it is covered but at a lower maximum than the overall maximum of the plan and may be subject to a higher deductible.

They have two plans which have this coverage: INF Premier and INF Elite. The Premier plan is a fixed plan which has limitations on the coverage of each medical expense. The Elite plan is an 80/20 comprehensive plan (the plan pays 80% and the insured 20% after the deductible). INF offers the best travel insurance for pre existing medical conditions but the difference is reflected in the cost, particularly in the Elite plan. Note that regularly needed maintenance medications or treatments are still not covered with these plans, only if there is a new problem will there be coverage. However, the problem does not need to be life-threatening or acute. Travelers with pre-existing conditions should weigh these options to reduce their risk of high medical costs should they suffer from one of their conditions while traveling. Note that the plans need to be purchased for at least 90 days, so these are more suitable for longer term stays in US, Canada, and/or Mexico. Also, the plans may be purchased by green card holders as long as they have a non-US residence address. The Elite plan has several variations : INF Elite, Elite Plus and INF Elite 90.

To compare the best travel insurance for full pre-existing conditions plans offered by INF, use this link: INF Premier & INF Elite best travel insurance for pre-existing conditions.

Travel Insurance tips for travelers with Pre-Existing Conditions

Here are some travel insurance tips for travelers with pre-existing conditions:

  1. Choose a travel health insurance plan that covers pre-existing conditions.
  2. Read the policy carefully to understand what is covered and what is not.
  3. Be aware of any waiting periods for coverage of pre-existing conditions.
  4. Consider buying a visitors insurance policy with higher coverage limits.
  5. Carry a copy of your medical records and list of medications with you when traveling.
  6. Ensure that you carry your medical prescription and medicines during your trip.
  7. Know how to access medical care in your destination.
  8. Contact your visitors insurance provider immediately in case of any medical emergency.
  9. Disclose all pre-existing conditions when buying visitors health insurance.
  10. Follow all necessary procedures to file a claim for reimbursement of medical expenses.

What are the INF travel insurance for pre-existing conditions options?

There are several US travel insurance plans available for international travel, however most of these travel insurance plans exclude pre-existing conditions. This means that a travel insurance plan will not cover the costs of treating a pre-existing medical condition. The insurance company can therefore deny a claim if the ailment was pre-existing when the travel insurance was purchased.

INF is the only US insurance provider who is offering visitors travel insurance coverage for pre-existing conditions without limiting it to acute onset of a pre-existing condition. The INF Elite insurance plans cover pre-existing conditions up to a clearly defined pre-existing conditions limit which is different from the policy maximum. It is very important to compare the different travel insurance for pre-existing conditions coverage for the price and coverage details before buying the US travel insurance.

Why is travel health insurance for pre-existing conditions coverage important?

There are many international travelers who have medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Many of the regular travel insurance plans exclude any coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing. At American Visitor Insurance, we offer plans which do offer coverage for acute onset of a pre-existing condition, as well as full coverage for pre-existing conditions up to a clearly defined limit in the policy document. All of these details can be better understood by using our facility for comparing visitors insurance for pre-existing conditions.

How does travel insurance for pre-existing conditions work?

The travel health insurance plans which cover pre-existing conditions have clear definitions of what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions, and if it provides full coverage for pre-existing conditions the coverage limit within the policy for pre-existing conditons. Any travel health insurance coverage for pre-existing conditions will depend on all these factors.

What are the factors to consider while purchasing visitors health insurance for pre existing conditions?

The following are the important factors to consider while purchasing travel insurance for pre-existing conditions

  1. The definition of pre-existing conditions and the look back period under the policy.
  2. The eligibility age limit for pre-existing conditions coverage.
  3. Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
  4. The coverage limit for pre-existing conditions which is different from the policy medical maximum.
  5. The deductible and out of pocket expenses for pre-existing conditions coverage.

Pre-existing conditions coverage - FAQ's

Unfortunately, this simple question has a fairly complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance that can cover pre-existing conditions and even plans that are travel medical only without cancellation often are more generous in their coverage of pre-existing conditions. These plans may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.

Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There are only two policies we know of that offer coverage for pre-existing medical conditions. They are INF Premier and INF Elite plans.

Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.

INF Elite (also INF Elite 90) are comprehensive plans offering fairly complete coverage. INF Premier is a fixed plan. Find details on these plans here.

The above plans must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions.

The other option, of course, is to take a plans with little ($1000) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.

INF plans boast they offer "full" coverage for pre-existing conditions. This can be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the INF Elite and INF Premier is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation.

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms). A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset.

The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.
Full Pre-existing means we will cover any issue regarding a pre-existing condition, however, if one is traveling to the United States solely for medical treatment, that will not be covered. INF plans do not cover any medical tourism related claims. Pre-existing conditions under the INF plans are covered with a higher deductible and a lower maximum than other illnesses or injuries. These are chosen or specified when you purchase you plan.
Yes, the INF policies will cover any pre-existing issue that the traveler may have during their stay in the United States. This includes blood pressure, diabetes, kidney related issues and arthritis, all of which are covered by the INF Premier & INF Elite Plans.
The insurance company takes on an enormous risk by insuring individuals and including coverage for pre-existing conditions without any prior medical examination. Under the INF plans, you are paying more, but you are getting the full value for the money you pay given the very high cost of US healthcare. With the INF Premier Plan & INF Elite Plan, even though it is expensive, you can have the comfort of knowing that you are covered for any emergency or contingency. This peace of mind given the expensive US healthcare expense is what makes INF plans worth it despite being expensive.
The list of covered services under Visitors insurance full pre-existing conditions coverage can be found on the American Visitor Insurance website of the INF Premier & INF Elite Plan pages. INF plans are open to green card holders

INF Elite Plan - Frequently asked questions

Can a Green Card holder buy INF plans?

Yes, Green Card holders are eligible to enroll in the INF Plans as long as they maintain a residence outside the US.

Yes, people who are already in the US, can buy the INF plans, but they must get prior permission to apply for INF plans. To do this, they must submit the following forms:

  • Latest I -94
  • Health attestation form
  • Any prior health insurance information (if applicable)

The I-94 form is a government doc that can be filled out on line, they should choose “Get most Recent” on the website here: https://i94.cbp.dhs.gov/ and you should complete this “health attestation form”.

Note : Hop Travel Assist plans are not available if visitors are already in abroad

Yes, you can purchase INF travel medical insurance even if you have pre-existing conditions. INF offers Premier, Elite, Elite Plus and Elite 90 plans that provide coverage for pre-existing conditions. However, coverage for pre-existing conditions may have some limitations and exclusions depending on the plan and your specific condition. It is important to carefully review the policy details and ensure that the coverage meets your specific needs.

INF travel medical insurance for pre-existing conditions is a type of travel insurance that provides coverage for individuals who have pre-existing medical conditions.

The INF insurance plans are designed to provide coverage for medical emergencies and unexpected medical events that may occur while traveling. The plans include benefits such as hospitalization, doctor visits, prescription medication, emergency medical evacuation, and more.

INF offers several insurance plans for travelers with pre-existing conditions, including the INF Premier, INF Elite, INF Elite Plus and INF Elite 90. These plans have varying levels of coverage and benefits, so it is important to review each plan carefully to determine which one best fits your specific needs.

The cost of the INF visitors insurance will vary depending on the age of the traveler, the type of coverage and the length of your trip. Typically, visitor’s insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers seeking coverage for pre-existing conditions that INF insurance offers.

The INF Elite Travel Insurance plan is INF’s comprehensive insurance for visitors traveling to the United States. There are 3 types of INF insurance Elite plans and the price of these plans varies depending on the coverage they provide. The INF Elite plan, INF Elite 90 plan and INF Elite Plus plan.

The INF Elite plan is a comprehensive travel medical insurance plan that offers coverage for emergency medical and dental expenses, medical evacuation, trip interruption, and other benefits for visitors to the USA. The INF Elite plan, INF Elite 90 plan and INF Elite Plus plan are all part of the Elite Network of plans offered by INF.

The INF Elite 90 plan is designed for travellers who need coverage of eligible medical expenses up to 90%.
The INF Elite Plus plan provides coverage for pre-existing conditions as defined in the plan, as per policy limitations, exclusions and maximums, with no benefit waiting period.
INF Elite Plus also provides Preventive & maintenance care benefits, which can be used for a number of different covered medical services and offers coverage for TDAP, Flu, etc Vaccines.

You can apply for INF insurance online through NRIOL. You can also call them at +1 (877) 340 7910 to get more information on how to apply for INF insurance from licensed insurance agents.

The maximum length of coverage for INF insurance is 364 days.

INF insurance is available for international visitors to the United States, Canada or Mexico.

The main requirements for applying for INF insurance is the travelers passport details and the travel dates. You can apply for INF insurance online on American Visitor Insurance or call +1 (877) 340 7910 to get help in applying for INF insurance.

To purchase INF insurance coverage, you must not be a citizen or permanent resident of the host country you are traveling to, ie the US, Mexico, or Canada. The coverage is available for non-U.S. residents and non-U.S. citizens traveling to the United States, Mexico or Canada between the ages of 14 days and 79 years. US green card holders can buy INF insurance if they have a residence outside the USA. The coverage duration is available from 5 days up to 364 days.

There is a minimum purchase of 90 days required to buy these INF Elite plans.

The INF plans use the United Healthcare Preferred Provider Organisation (PPO). This means that even if the pre-existing coverage limit is low, customers will still be able to access the full PPO discounts via United Health Care (UHC).

For example : A customer has to go to the Emergency Room (ER) for blood pressure and get a bill of $10,000 and the customer has the INF HOP UltraPlus plan. Although the UltraPlus covers $700 for pre-existing, the customer will get the PPO discount on the bill since it is covered. This in itself can translate to very significant savings such as an 80% discount + $700 paid out. This means your total coverage was $8,700 and out of pocket expense is only $1,300.

INF travel insurance plans

Ideal for: For Non-US Citizens & anyone visiting USA ,Canada,Mexico and traveling worldwide outside their home country.
Purpose: These plans offer coverage for dental, loss of checked luggage, medical emergencies and accidents incurred while traveling.

INF Covid19 travel insurance with coronavirus coverage will cover eligible medical expenses resulting from COVID-19.

Elite Plan

  • INF Elite Covid insurance covers coronavirus illness.
  • INF Elite Network offers full pre-existing conditions coverage for non US citizens travelling to the USA, Available up to 99 years.
  • Elite Network plan covers full pre-existing conditions up to $25K, $30K, $40K, or $50K subject to deductibles of $1,500, $2,000, $2,500, $5,000, or $10K for age 0 to 69 years.
  • For policy maximum $75,000 covers pre-existing condition coverage up to $20K maximum with deductible $1,500 for age 70 to 99 years.
  • There is a minimum purchase of 90 days required to buy this plan

Safe Traveler USA

  • INF Safe Traveler USA Covid insurance covers coronavirus illness.
  • INF Safe Traveler USA insurance offers coverage for infectious diseases like urinary tract infection and ideal for older travelers visiting USA.
  • This plan has a minimum purchase requirement of 30 days.

Premier Plan

  • INF Premier Covid insurance covers coronavirus illness.
  • INF Premier Plan is a fixed benefit insurance, affordable prices, offers full coverage for pre-existing conditions, best US visitors insurance.
  • Premier plan provides coverage for full pre-existing conditions up to policy maximum $100K covers pre-existing condition maximum of $20K/$40K with deductible $1K/$5K, policy maximum $150K covers pre-existing condition maximum of $30K/$60K with deductible $1K/$5K and policy maximum $300K covers pre-existing condition maximum of $50K/$100K with deductible $1K/$5K ,policy maximum $500K covers pre-existing condition maximum of $150K/$200K with deductible $1K/$5K for age 0 to 69 years.
  • policy maximum $1M covers pre-existing condition maximum of $150K/$200K with deductible $1K/$5K for age 0 to 69 years.
  • For age 70 to 99 years policy maximum $100K covers pre-existing condition maximum of $15K/$25K with deductible $1K/$5K.
  • There is a minimum purchase of 90 days required to buy this plan

Standard Plan

  • This is a fixed plan and is not available to US residents and is only available to non-US residents
  • INF Standard Covid insurance covers coronavirus illness.
  • INF Standard Plan is affordable US visitors insurance offers coverage for Urinary tract infection for older travelers and high risk illnesses.
  • This plan has a minimum purchase requirement of 30 days

BMI Travel Insurance

  • BMI Travel Insurance plan is available for Non-US Citizens visiting the United States.
  • INF-BMI travel assist provides travel & medical assistance for international trips with no deductible or copayments and provides medical assistance for pre-existing conditions, acute onset of pre-existing conditions, and COVID-19 as per the limits in the Plan.

Elite Plus Plan

  • Covers Preventive & maintenance care and coverage for full body physicals.
  • Coverage for TDAP, Flu, etc Vaccines
  • Covid-19 medically necessary testing & treatment covered as any other new sickness.
  • INF Elite Plus insurance covers 90% of eligible medical expenses
  • INF Elite Plus offers full pre-existing conditions coverage for non US citizens travelling to the USA, Available up to 99 years.
  • Elite Plus plan with policy maximum $150K covers full pre-existing condition coverage up to $25K maximum with deductible $1,500 for age 0 to 69 years.
  • For policy maximum $75K covers pre-existing condition coverage up to $20K maximum with deductible $1,500 for age 70 to 99 years.
  • There is a minimum purchase of 90 days required to buy this plan

Elite 90 Plan

  • Covid-19 medically necessary testing & treatment covered as any other new sickness.
  • INF Elite 90 insurance covers 90% of eligible medical expenses
  • INF Elite 90 offers full pre-existing conditions coverage for non US citizens travelling to the USA, Available up to 99 years.
  • Elite 90 plan covers full pre-existing conditions up to $25K, $30K, $40K, or $50K subject to deductibles of $1,500, $2,000, $2,500, $5,000, or $10K for age 0 to 69 years.
  • For policy maximum $75,000 covers pre-existing condition coverage up to $20K maximum with deductible $1,500 for age 70 to 99 years.
  • There is a minimum purchase of 90 days required to buy this plan

INF Hop! Travel Assist

  • Hop! Travel Assist is a comprehensive benefit travel assistance membership program for international trips, offering 100% payment for Medical and Travel Assistance to the listed maximum in the membership general conditions and covid-19 medical assistance.
  • Medical Assistance for Pre-Existing Conditions.
  • Covers Pre-Existing Conditions for Stablization & ER to 100% of Assistance Level.
  • INF strongly recommends enrolling in the Ultra Plus, VIP, VIP Plus which provides comprehensive coverage for full pre-existing, acute onset of pre-existing conditions, and COVID-19
  • Note:Hop! Travel Assist is travel assistance membership program, and is not an insurance product.

INF Hop! Mindoro Travel Assistance

  • Hop! Mindoro is a new fixed benefit travel assistance membership which provides travel, medical, legal, and personal assistance for travelers visiting anywhere worldwide outside their home country.
  • Covers Medical Assistance for Pre-Existing Conditions (Out-Patient and Emergency)
  • Acute Onset Covered as a New Sickness and covid-19 medical assistance.
  • Note: Hop! Mindoro is travel assistance membership program, and is not an insurance product.

Safe Traveler USA 90 Plan

  • INF Safe Traveler USA 90 Covid insurance covers coronavirus illness.
  • INF Safe Traveler USA 90 insurance offers coverage for infectious diseases like urinary tract infection and ideal for older travelers visiting USA.
  • This plan has a minimum purchase requirement of 30 days.
  • This plan covers 90% of elgibile medical expenses

INF Hop! Trip Assist Plus

  • Hop Trip Assist Plus comprehensive travel assist best for Pre-existing conditions
  • Enroll for 60 days to access a 30% discount
  • Covers up to $150K or $300K limit for new sickness & accident
  • Covers Acute Onset of Pre-Existing Conditions
  • Guaranteed Cashless via Medical Concierge
  • Comes with free Priority Pass and VIP Assist for a separate fee
  • 24/7 Medical Concierge that makes all appointments for you
  • Works with United Healthcare Options PPO

INF travel insurance USA related links

INF international travel insurance - FAQ's

If they are currently enrolled, the policy will not be voided. If they are enrolling after the arrival date (most common situation now) they may go through special underwriting.

Currently, we will continue to support our customers and allow new enrollments in INF Standard and INF Safe Traveler USA and others case by case.

Yes, they can enroll in the INF policies.

As of now, the pre-existing coverage will remain intact. For new enrollments, they may undergo special underwriting.

Yes, the plan will cover eligible sickness and accidents.

If they are a Non-US Citizen or Non-US Resident, yes they will be able to.

INF plans cover COVID-19 like a new sickness, subject to the terms and conditions of the policy. This is not a guarantee of benefits, however, as each claim is evaluated individually.Additionally, we do not cover anyone who is already sick or showing symptoms, or plans to see a physician in the immediate future. As you know, the situation is developing day by day and is constantly changing. If the Travellers are interested in enrolling, we advise them to enroll right away.

INF travel insurance that covers coronavirus will treat it as a new sickness, even if you are infected on the airplane.

We cannot prove that you were infected with COVID-19 by simply being in contact with someone who had / has it. This has no effect on the coronavirus travel insurance. We will cover COVID-19 like any other new sickness.

Being tested is a service, if we determine a related service was done 12 months prior to the effective date, the condition would be considered Pre-Existing.

No, INF will not pay out any benefits if you are already showing symptoms of COVID-19 before you enroll in the policy.

INF Coronavirus travel insurance coverage for Covid19

INF Premier Plan:
  • COVID-19 medically necessary testing & treatment covered as any other new sickness
  • Pre-Existing Complications from COVID-19 Covered
INF Elite:
  • COVID-19 medically necessary testing & treatment covered as any other new sickness
  • Pre-Existing Complications from COVID-19 Covered
INF Safe Traveler USA:
  • COVID-19 medically necessary testing & treatment covered 100% as any other new sickness with no cost sharing
INF Standard:
  • COVID-19 medically necessary testing & treatment covered as any other new sickness.
INF Safe Traveler USA 90:
  • COVID-19 medically necessary testing & treatment covered as any other new sickness
  • Minimum purchase of 30 days is required for this plan
INF Elite Plus:
  • COVID-19 medically necessary testing & treatment covered as any other new sickness
  • Pre-Existing Complications from COVID-19 Covered
  • Covers Preventive & maintenance care and coverage for full body physicals.
INF Elite 90:
  • COVID-19 medically necessary testing & treatment covered as any other new sickness
  • Pre-Existing Complications from COVID-19 Covered
  • Covers 90% of eligible medical expenses
INF BMI Travel Insurance:
  • Covid-19 medical assistance
  • Covers Covid-19 resting & treatment
INF Hop! Mindoro Assistance:
  • Covid-19 medical assistance
  • Acute Onset Covered as a New Sickness.
INF Hop! Travel Assist :
  • Covid-19 medical assistance
  • Medical Assistance for Pre-Existing Conditions.

INF Travel insurance for Covid19

At American Visitor Insurance, we are committed to getting you the best travel insurance coverage for Covid19 as any other new sickness. INF offers travel insurance plans for coverage in the USA, Canada and Mexico. INF Insurance: offers two fixed benefit plans namely INF premier insurance and INF standard insurance and two comprehensive benefit plans namely INF Elite Network Insurance and INF Safe Traveler USA plans covers pre-existing complications from COVID-19. Please know we are here to help you make the best, informed decision to get coverage even for COVID-19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

INF Visitor medical insurance for pre-existing conditions

What is covered by INF Visitor Medical Insurance:
1. Worsening Pre-Existing Conditions
A worsening pre-existing condition is one that is otherwise stable but has become worse in a new manifestation.
2. Acute Onset of Pre-Existing Conditions
Sudden, Rapid, Unpredictable emergency related to pre-existing issue.
3. New Sickness & Accidents
  • New Illnesses include UTI or Kidney Issues, Fever, Headache, etc - Accidents are random in nature
  • COVID-19 is covered like a new sickness under INF.

What is not covered by INF Visitor Medical Insurance:

1. Maintenance Treatment, Devices, or Prescription Drugs

Includes treatment for on-going illnesses, derivatives/ complications of that illness, medical devices to monitor chronic conditions, or maintenance drugs for pre-existing conditions like Lipitor or Amlodipine.

2. Preventative Treatment, Devices, or Prescription Drugs

INF will not cover preventive treatment like physicals, regular doctor checkups, or drugs that are used for prevention of other diseases.

3. Pregnancy & Childbirth

No coverage for pregnancy before the policy effective date.

4. Cancer Treatment

No coverage for cancer treatment, or cancer related illnesses in the policy.

5. Dialysis Treatment

No coverage for dialysis treatment.

6. Planned, expected, or anticipated medical care

There is no coverage for expected, planned, or anticipated medical care. If your clients are planning to take their visitor to any clinic, treatment, or anything of the like it will be rejected by the insurance company.

7. Medical Tourism

INF does not cover medical tourism for issues like elective or medically necessary surgery, cancer treatments, specialist treatment for on-going medical issues.


INF Visitor Medical Insurance plans are designed only to cover truly unexpected sickness and accidents- all other claims are at risk of being denied if they are deemed to meet any (but not limited to) of the above restrictions.

INF Visitor Medical Insurance plans will cover any unexpected sickness or accident, but any planned medical treatments, treatment for on-going issues, or maintainance treatment will not be covered by INF.

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