US Travel Insurance Online
(877) 340 7910
Ages 0 to 69 years: $100,000; $150,000; $300,000
Ages 70 to 99 years: $100,000
Ages 0 to 69 years: $75; $100; $250; $500; $1,000; $2,500; $5,000
Ages 70 to 99 years: $250; $500; $1,000; $2,500; $5,000
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
Here are some travel insurance tips for travelers with pre-existing conditions
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.
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.
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.
The following are the important factors to consider while purchasing travel insurance for pre-existing conditions
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.
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.
| Hospital Room (average semi-private) & Board, and Miscellaneous? | Plan 100k: Charges up to $1,750 a day, to 30 days Plan 150k: Charges up to $1,900 a day, to 30 days Plan 300k: Charges up to o $3,000 a day, to 30 days |
| Surgeon? | Plan 100k: Charges up to $5,000 maximum Plan 150k: Charges up to $6,000 maximum Plan 300k: Charges up to $8,000 maximum |
| Anesthetist? | Charges up to $2,500 maximum |
| Assistant Surgeon? | Plan 100k: Charges up to $1,250 maximum Plan 150k: Charges up to $1,500 maximum Plan 300k: Charges up to $2,500 maximum |
| Doctor’s Non-Surgical Visits | Plan 100k: Charges up to $100 maximum a visit, 1 visit a day, to 30 visits Plan 150k: Charges up to $125 maximum a visit, 1 visit a day, to 30 visits Plan 300k: Charges up to $175 maximum a visit, 1 visit a day, to 30 visits |
| Consultant Doctor, when requested by attending Doctor | Plan 100k: Charges up to $450 maximum Plan 150k: Charges up to $500 maximum Plan 300k: Charges up to $800 maximum |
| Pre-Admission Tests within 14 days before hospital admission | Plan 100k: Charges up to $1,100 maximum Plan 150k: Charges up to $1,200 maximum Plan 300k: Charges up to $1,600 maximum |
| Surgical Room & Supply Expenses | Plan 100k: Charges up to $1,100 maximum Plan 150k: Charges up to $1,200 maximum Plan 300k: Charges up to $1,800 maximum |
| Surgeon | Plan 100k: Charges up to $5,000 maximum Plan 150k: Charges up to $6,000 maximum Plan 300k: Charges up to $8,000 maximum |
| Anesthetist? | Plan 100k: Charges up to $1,250 Plan 150k: Charges up to $1,500 Plan 300k: Charges up to $2,500 |
| Assistant Surgeon? | Plan 100k: Charges up to $1,250 Plan 150k: Charges up to $1,500 Plan 300k: Charges up to $2,500 |
| Doctor’s Non-Surgical Visits | Plan 100k: Charges up to $100 maximum a visit, 1 visit a day, to 10 visits Plan 150k: Charges up to $125 maximum a visit, 1 visit a day, to 10 visits Plan 300k: Charges up to $175 maximum a visit, 1 visit a day, to 10 visits |
| CAT Scan, PET Scan, or MRI | Charges up to $1,400 additional |
| Hospital Emergency Room | Plan 100k: Charges up to $500 Plan 150k: Charges up to $750 Plan 300k: Charges up to $2,500 |
| Prescription Drugs | Plan 100k: Charges up to $150 maximum Plan 150k: Charges up to $200 maximum Plan 300k: Charges up to $300 maximum |
| Ambulance Services | Plan 100k: Charges up to $450 maximum Plan 150k: Charges up to $500 maximum Plan 300k: Charges up to $1000 maximum |
| Rehabilitative Braces or Appliances | Plan 100k: Charges up to $1,100 maximum Plan 150k: Charges up to $1,200 maximum Plan 300k: Charges up to $1,500 maximum |
| Dental Treatment injury to Sound, Natural teeth (Due to Accident)? | Plan 100k: Charges up to $500 maximum. There are no benefits for dental services for immediate relief of pain. Plan 150k: Charges up to $550 maximum. There are no benefits for dental services for immediate relief of pain. Plan 300k: Charges up to $550 maximum. There are no benefits for dental services for immediate relief of pain. |
| Physical & Occupational Therapy? | Plan 100k: Charges up to $45 a visit maximum, 1 visit per day to 12 visits Plan 150k: Charges up to $50 a visit maximum, 1 visit per day to 12 visits Plan 300k: Charges up to $100 a visit maximum, 1 visit per day to 12 visits |
| Private Duty Nurse | Plan 100k: Charges up to $500 maximum Plan 150k: Charges up to $550 maximum Plan 300k: Charges up to $550 maximum |
| Medical evacuation? | Plan 100k: $20,000 maximum Plan 150k: $25,000 maximum Plan 300k: $45,000 maximum |
| Repatriation of Remains | Plan 100k: $15,000 maximum Plan 150k: $20,000 maximum Plan 300k: $30,000 maximum |
| Accidental death & dismemberment? | Plan 100k: $25,000 maximum Plan 150k: $25,000 maximum Plan 300k: $25,000 maximum |
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.
INF Insurance - Provider network and how to find hospital or doctor?
Find a network doctor, hospital, lab or health care provider in your area. Health care providers who are in our network have agreed to charge lower prices, which helps lower your health care costs.
Find Provider Network
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At American Visitor Insurance, we are committed to getting you the best travel insurance coverage for Covid19. 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 Plan Insurance and INF traveler USA with Covid19 coverage. 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.
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