call (877) 340 7910
call (877) 340 7910
INF Elite 90 is a comprehensive-benefit travel medical insurance plan designed for non-U.S. residents up to age 99. Available through NRIOL, this plan provides full coverage for pre-existing conditions and offers flexible protection for 90 to 364 days while traveling in the U.S., Canada, and Mexico.
Key Features:After purchasing the plan through NRIOL, Customers can also contact NRIOL customer service for help with plan details, quotes, benefits, and other travel insurance questions. Our licensed agents will be glad to assist you!
INF Elite 90 Travel Insurance is ideal for non U.S. residents visiting the USA, Canada, or Mexico who need comprehensive coverage, including full pre-existing condition benefits. It is designed specifically for senior travelers, this plan provides:
The INF Elite Plan is one of the few U.S. visitor insurance options that provides full coverage for pre-existing medical conditions, not just acute onset. It includes doctor visits, hospital stays, urgent care, specialist consultations, and prescription drugs, as long as they are not routine check-ups or maintenance medications. INF Elite 90 X insurance will cover future medical emergencies only, not ongoing treatment or maintenance of pre-existing conditions.
INF Elite 90 Travel Insurance is available to non-U.S. residents and non-U.S. citizens who are traveling to the United States, Canada, or Mexico. It is especially designed for:
INF Elite 90 X insurance starts at $455 for a 3-month period, depending on the traveler’s age, selected coverage maximum, and deductible amount.
The INF Elite 90 X plan costs more for older travelers, as they are more likely to require medical care while visiting the U.S. The premium also increases with a higher policy maximum, while selecting a higher deductible will reduce the premium.
Ages 0–69: Coverage options of $150,000 , $250,000, $300,000, $500,000, $1000,000
Ages 70–99: Coverage limited to $75,000
The table below shows a sample 3-month premium for the INF Elite 90 X plan with a $250 deductible. Please note that the minimum enrolment period for this plan is 90 days
| Age of traveler | Medical Maximum $150,000 | Medical Maximum $250,000 | Medical Maximum $300,000 | Medical Maximum $500,000 | Medical Maximum $1,000,000 |
|---|---|---|---|---|---|
| 18 – 29 years | $525 | $659 | $583 | $553 | $562 |
| 30 – 39 years | $636 | $799 | $708 | $671 | $682 |
| 40 – 49 years | $754 | $948 | $841 | $795 | $809 |
| 50 – 59 years | $1,112 | $1402 | $1250 | $1174 | $1195 |
| 60 – 69 years | $1584 | $2001 | $1787 | $1675 | $1705 |
For travelers aged 70–79 years, the 3-month premium is $3,786, while travelers aged 80–99 years pay $4,860 for the same duration. Both plans include a $75,000 medical maximum coverage with a $250 deductible.
| Hospital Room (Average Semi-Private), Board, & Miscellaneous | Covered |
| Hospital Intensive Care Unit | Covered |
| Surgeon | Covered |
| Urgent Care Visits | In- Network: Covered with $25 copay Out - Network: Covered with $50 copay |
| Anesthetist | Covered |
| Assistance Surgeon | Covered |
| Doctor’s Non-Surgical Visits | Covered |
| Consultant Doctor, when requested by attending Doctor | Covered |
| Pre-Admission Tests within 14 days before hospital admission | Covered |
| Surgical Room & Supply Expenses | Covered |
| Surgeon | Covered |
| Anesthetist | Covered |
| Assistance Surgeon | Covered |
| Doctor’s Non-Surgical Visits | Covered |
| Diagnostic X-rays & Lab Services | Covered |
| CAT Scan, PET Scan, or MRI | Covered |
| Emergency local ambulance | Covered |
| Dental Treatment injury to Sound, Natural teeth (Due to Accident) | Covered |
| Repatriation of Remains | Up to $20k |
| Medical Evacuation | Up to $25k |
| Accidental Death and Dismemberment | $25k |
| Incurral Period | 90 days after the date of Injury/Sickness |
| Physiotherapy | $50 per visit up to a maximum of $500 |
| Chemotherapy and/or Radiation Therapy | Covered |
| Emergency Medical Treatment of Pregnancy | Covered |
| Pre-existing Conditions | For age 0-69: $25k, $30k, $40k, or $50k Maximum Benefit; subject to a $1.5k, $2k, $2.5k, $5k, or $10k deductibles. Pre-existing Conditions Sub-Limits: $15k Hospital/ICU Room & Board / $15k Hospital Miscellaneous / $15k Surgeries /$7.5k Hospital Emergency / $5k Assistance Surgeon Expenses / $500 Prescriptions For age 70-99: 20k Maximum Benefit; subject to a $1.5k Deductible |
Yes, INF Elite X is an excellent option for Indian parents, especially seniors, visiting the USA. It offers comprehensive medical coverage, including full coverage for pre-existing conditions, which is critical for older travelers with ongoing health issues.
Yes. INF Elite X provides full coverage for pre-existing conditions, including chronic illnesses such as diabetes, hypertension, thyroid disorders, and heart disease. This sets it apart from most travel insurance plans that only cover acute onset.
Yes. It is one of the few travel insurance plans that offers comprehensive coverage for chronic conditions, including heart disease, diabetes, and arthritis, making it ideal for medically vulnerable parents.
Absolutely. INF Elite X covers travelers up to age 99, with $20,000 in pre-existing condition coverage for ages 70–99.
Yes, Green Card holders are eligible to enroll in the INF Plans as long as they maintain a residence outside the US.
Yes. INF Elite X uses a PPO network United Healthcare, which gives your parents access to cashless treatment at a wide range of hospitals and urgent care centers across the USA.
No medical check-up is required. However, it is important to accurately declare known medical conditions when enrolling to ensure the policy provides the correct protection.
Unlike fixed-benefit plans that pay limited amounts for each medical service, INF Elite X is a comprehensive plan that pays based on actual expenses up to the policy maximum. It offers better protection in case of serious or unexpected medical situations.
Yes. INF Elite X is specifically designed for travelers with multiple pre-existing conditions. It covers treatment related to diabetes, heart conditions, hypertension, and more as long as the conditions are disclosed during application.
You can purchase the INF Elite X plan easily through American Visitor Insurance a trusted platform specializing in travel medical insurance for Indian parents and international visitors to the USA. American Visitor Insurance provides a secure and quick enrollment process along with plan comparisons and support from licensed agents.
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.
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.
Compare and review the plans benefits of INF Fixed Plans.
Know more »Commonly asked questions about INF Travel insurance.
Know more »Compare the plan benefits of INF Comprehensive Plans.
Know more »