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Ideal for Full Pre-Existing conditions Visitors Worldwide Outside of USA
INF Premier Travel Insurance is a fixed travel medical insurance plan that covers for Non-US Citizens & anyone visiting USA, Canada, Mexico and traveling worldwide outside their home country. This plan provides coverage for full pre-existing conditions up to 99 years of age, as well as other benefits such as emergency medical evacuation, repatriation of remains, accidental death and dismemberment, and telemedicine. This plan offers coverage for minimum of 90 days up to 364 days. Plan will pays 80% of eligible medical expenses up to the policy maximum inside PPO network and the plan will pay 60% of eligible medical expenses outside of the PPO network after the deductible met for United Healthcare PPO network.
Fixed benefit plan
Full Pre-existing conditions
PPO network
Urgent Care & Doctor Visit
Dental & Vision discount coverage
| Surgical Room and Supply Expenses | Plan 100k: Up to $1,100 Plan 150k: Up to $1,200 Plan 300k: Up to $1,800 Plan 500k: Up to $2.5k Plan 1000k: Up to $3.5k |
| Doctor Surgical Expenses | Plan 100k: Up to $5k Plan 150k: Up to $6k Plan 300k: Up to $8k Plan 500k: Up to $10k Plan 1000k: Up to $15k/td> |
| Anesthetics | Plan 100k: Up to $1,250 Plan 150k: Up to $1.5k Plan 300k: Up to $2.5k Plan 500k: Up to $3k Plan 1000k: Up to $5k |
| Assistant Surgeon Expenses | Plan 100k: Up to $1,250 Plan 150k: Up to $1,500 Plan 300k: Up to $2,500 Plan 500k: Up to $3k Plan 1000k: Up to $5k |
| Doctor Non-Surgical Treatment/Examination Expenses | Plan 100k: Up to $100 per visit 1 visit per day, up to a maximum of 30 visits Plan 150k: Up to $125 per visit 1 visit per day, up to a maximum of 30 visits Plan 300k: Up to $175 per visit 1 visit per day, up to a maximum of 30 visits Plan 500k: Up to $225 per visit 1 visit per day, up to a maximum of 30 visits Plan 1000k: Up to $275 per visit 1 visit per day, up to a maximum of 30 visits |
| X-rays, laboratory procedures | Plan 100k: Up to $650 Plan 150k: Up to $750 Plan 300k: Up to $1150 Plan 500k: Up to $1.5k Plan 1000k: Up to $2.5k |
| CAT Scan, PET Scan or MRI | Plan 100k: Up to an additional $650 Plan 150k: Up to an additional $1k Plan 300k: Up to an additional $1.4k Plan 500k: Up to $1.5k Plan 1000k: Up to $2.5k |
| Prescription Drug Expenses | Plan 100k: Up to $150 Plan 150k: Up to $200 Plan 300k: Up to $300 Plan 500k: Up to $500 Plan 1000k: Up to $750 |
| Private Duty Nurse | Plan 100k: Up to $500 Plan 150k: Up to $550 Plan 300k: Up to $550 |
| Physical and Occupational Therapy | Plan 100k: Up to $45 per visit, 1 visit per day up to 12 visits maximum Plan 150k: Up to $50 per visit, 1 visit per day up to 12 visits maximum Plan 300k: Up to $100 per visit, 1 visit per day up to 12 visits maximum Plan 500k:Up to $125 per visit, 1 visit per day up to 12 visits maximum Plan 1000k: Up to $150 per visit, 1 visit per day up to 12 visits maximum |
Sudden, Rapid, Unpredictable emergency related to pre-existing issue Accident & Sickness Insurance
Compare INF Premier Plan quotes.
Premier Plan Insurance Covid19 travel insurance by INF for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.
INF Covid19 travel insurance by Premier Plan travel insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.
Yes, Green Card holders are eligible to enroll in the INF Plans as long as they maintain a residence outside the US.
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 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 American Visitor Insurance. 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.
Pre-Existing Conditions is always a risky situation if you are not prepared for a medical emergency. The Premier plan offers two unique features:
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.
There is no change in the coverage.
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.
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.
Currently, we will continue to support our customers and allow new enrollments in INF Standard and INF Traveler USA and others case by case.
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.
We would still cover coronavirus like a new sickness. There is no incubation period exclusion clause in our policy. COVID-19 is covered just as if you catch the flu. Both testing & treatment are covered.
Yes, INF will cover COVID-19 like any other sickness. We do not have a pandemic or travel advisory exclusion clause in our policy.
No, INF will not pay out any benefits if you are already showing symptoms of COVID-19 before you enroll in the policy.
Antibody test prescriptions can be obtained via INF's telemedicine program for $0 (free). COVID-19 tests and prescriptions are covered. In both cases, you must be showing symptoms and tests should be prescribed by a physician (medically necessary) to be covered.
IMG maintains when inside the U.S., the UnitedHealthcare Options network is a longstanding reputable tier 1 network that gives you more access to more doctors and services. When outside the U.S., you can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes over 18,550 physicians and facilities.
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