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INF Elite Travel Insurance

Best Full pre-existing travel medical insurance for non-US Citizens

INF Elite Insurance

INF Elite Travel Insurance is a comprehensive 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.

Key benefits of INF Elite Insurance

Comprehensive plan

Full Pre-existing conditions

PPO network

Urgent Care & Doctor Visit

Dental & Vision discount coverage

INF Elite Travel insurance reviews

Insurance Provider
INF
INF Elite Plan rating
AM Best Rating: A
Policy maximum

Ages 0 to 69 years: $150K; $250K; $300K; $500K; $1,000,000.

Ages 70 to 99 years: $75K.

Deductible options

Ages 0 to 69 years: $100K; $250K; $300K; $500K; $1K, $2.5K, $5K.

Ages 70 to 99 years: $250K; $500K; $1K, $2.5K, $5K.

Plan Life
364 days (Minimum Enrolment 90 days)
Coinsurance of INF Elite Insurance
INF Elite Insurance In Network - Plan covers 80% of the Preferred Allowance
80%
INF Elite Insurance Out of Network
60%

60% of Usual, Reasonable & Customary (URC) Charges

INF Elite Plan Underwriter
Underwritten by Crum & Forster SPC

INF Elite Travel related links

  • Benefits
  • Reviews
  • Claims
  • Renewal
  • Provider network

INF Elite insurance for visitors - Key Highlights

  • Comprehensive plan with full pre existing condition coverage which is unique. This includes doctor appointments, blood tests and lab, specialist care, urgent care visits and hospital stays are covered for pre existing conditions.
  • There is a minimum purchase of 90 days required to buy this plan.
  • This plan is available for Non US citizens coming to the US.
  • Includes doctor appointments, blood tests and lab, specialist care, urgent care visits and hospital stays are covered for pre existing conditions.
  • Coverage for Pre-Existing Conditions to $1M.
  • Pre-Existing Complications Covered.
  • Telehealth worldwide via Doctor.
  • $25 In-Network urgent care copay.
  • Stable Pre-Existing Conditions are Covered as New Sickness.
  • Covers 80% of Eligible Medical Expenses.
  • Acute Onset is Considered New Sickness.
  • VIP airport assistance and 3 free priority pass lounge visits.
  • INF-Robin Assist can make your appointments 24/7.

INF Elite Insurance Summary, INF Elite Visitors Insurance


INF Elite Insurance Eligibility
  • This plan is available for Non-US Citizens & anyone visiting USA ,Canada,Mexico and traveling worldwide outside their home country.
  • Available for visitors already in the US with a 5 day waiting period for any new sickness and 15 days for Covid-19.It is also required for customers in this situation to send an I94 and health attestation form signed and dated.
  • The member also needs to submit their I-94 form.
  • Minimum Enrolment should be 90 days to buy INF Elite Plan.

INF Elite Cancellation

The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

  • Changes in dates can be made with no additional charge or penalty. This includes preponing or postponing coverage before the effective date of the plan. This is always our policy and will not changes
  • Policies can be cancelled before the start date of the policy with a minimal $25 cancellation fee. If the insured has not started their trip due to unforeseen circumstances, they may be eligible to cancel the policy.
  • For example, if a week has passed and they want cancel the policy- that is not possible. There's no cancellation of policy after start date
  • However, due to coronavirus- If it is day 1 of the policy only, we can still consider it for cancellation during this coronavirus period if the visitor has not yet begin their trip (on a case by case basis).

Plan benefits of Elite travel insurance

  In-Patient Medical Benefits
Hospital Room (Average Semi-Private), Board, & Miscellaneous Covered
Hospital Intensive Care Unit Covered
Surgeon Covered
Surgery 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
Hospital emergency room Outside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
Interfacility ambulance transfer Company pays 100%
Emergency eye examination $150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. (Loss or damage to prescription corrective lenses due to an accident)
Dental Treatment injury to Sound, Natural teeth (Due to Accident) Covered
Repatriation of Remains Up to $20,000
Medical Evacuation Up to $25,000
Accidental Death and Dismemberment $25,000
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: $25,000, $30,000, $40,000, or $50,000 Maximum Benefit; subject to a $1,500, $2,000, $2,500, $5,000, or $10,000 deductibles.
Pre-existing Conditions Sub-Limits: $15,000 Hospital/ICU Room & Board / $15,000 Hospital Miscellaneous / $15,000 Surgeries /$7,500 Hospital Emergency / $5,000 Assistance Surgeon Expenses / $500 Prescriptions
For age 70-99: 20,000 Maximum Benefit; subject to a $1,500 Deductible

INF Insurance related coverage

Preventive and maintenance care Coverage

INF Premier Plus covers Preventive care & maintenance and covers full pre-existing conditions up to 69 years.

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INF Preventive care & maintenance Coverage

INF Elite Plus covers Preventive care & maintenance and covers full pre-existing conditions up to 99 years.

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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.

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Pre-existing conditions for seniors

INF Hop! TripAssist Plus covers Chronic, Stable Pre-Existing Conditions coverage which worsen,depending on the chosen membership tier

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Get quotes for INF Elite Travel travel insurance!

INF visitor insurance review and compare INF Elite Travel visitor insurance quotes

INF Elite Plan - Frequently asked questions

INF Elite visitor medical insurance will cover on a per incident (sickness) basis up to the policy maximum. And the deductible is applied per sickness as well. There's no "lifetime maximum" for the plan - theoretically you could go to the hospital 10 times and get $1.5 million in claims.

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.

INF Elite travel medical insurance is designed for travelers with pre-existing conditions who need a higher level of coverage than what standard travel medical insurance provides. This plan offers comprehensive medical coverage, including coverage for pre-existing conditions, emergency medical evacuation, and emergency reunion. It also offers a high maximum benefit limit and a low deductible, making it an excellent choice for those with significant medical needs.

Additionally, INF Elite offers coverage for acute onset of pre-existing conditions, making it a good option for travelers to the US who have pre-existing conditions but may experience sudden acute symptoms during their trip.

Yes, you can cancel your INF plan within the first 10 days of purchase and receive a full refund, provided that you have not already filed a claim.

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.

Compare Best INF Elite Travel Insurance for USA

Elite Travel For Visitor Accident & Sickness Insurance

The Elite Travel plan is the only short-term insurance plan. This plan offers two unique features:

  • Full Pre-Existing Insurance: The Elite Travel covers all pre-existing conditions for Non-US Citizens.This includes doctors appointments, blood tests & labs, specialist care, urgent care visits, & hospital stays are all covered for pre-existing conditions.
    Elite Travel plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years and for policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
  • Comprehensive Insurance for Ages 70+: It covers all ages up to 99 years old.
  • Elite plan considers only the sicknesses within the last 12 months as pre existing conditions.
  • Elite plan considers the "Acute onset of pre existing conditions" as a new sickness, meaning that the insured is covered up to the policy maximum for this.
  • Additional features: The Elite plan comes with the Careington POS Discount Card with no additional cost which provides savings on dental, vision, prescription and hearing products and services. You can save up to 50% on dental procedures.

INF Elite Travel insurance for pre-existing conditions

What is covered by INF Elite Travel 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 Premier Plan 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.

INF Elite insurance cost – FAQ’s

What are the eligibility and requirements for INF Elite travel insurance?

INF Elite Travel Insurance is for non U.S. residents and non U.S. citizens who are traveling to the United States, Canada, or Mexico. The plan is available for ages 18 years to 99 years. The coverage duration is from 90 days to 364 days and can be extended for up to 364 days. The plan must be purchased before departing from the home country. The minimum requirement to buy INF Elite plans is that you must have a valid visa or passport stamp when entering the US.

Yes, you can cancel your INF plan within the first 10 days of purchase and receive a full refund, provided that you have not already filed a claim.

The cost of the insurance depends on many factors including age, coverage length, the limit of the plan, and deductibles. The plan offers three options for the limit of the plan: $50K, $100K, and $150K. The deductible options are $250, $500, and $1K. The higher the limit and the lower the deductible, the higher the premium will be. You can compare and get a quote on American Visitor insurance online by entering your details and choosing your plan options.

Elite Insurance travel insurance by INF for coronavirus will cover eligible medical expenses resulting from covid19/SARS-CoV-2.

INF Elite visitor medical insurance will cover on a per incident (sickness) basis up to the policy maximum. And the deductible is applied per sickness as well. There's no "lifetime maximum" for the plan - theoretically you could go to the hospital 10 times and get $1.5 million in claims.

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.

INF Elite travel medical insurance is designed for travelers with pre-existing conditions who need a higher level of coverage than what standard travel medical insurance provides. This plan offers comprehensive medical coverage, including coverage for pre-existing conditions, emergency medical evacuation, and emergency reunion. It also offers a high maximum benefit limit and a low deductible, making it an excellent choice for those with significant medical needs.

Additionally, INF Elite offers coverage for acute onset of pre-existing conditions, making it a good option for travelers to the US who have pre-existing conditions but may experience sudden acute symptoms during their trip.

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.

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