INF Elite Travel Insurance For Pre-Existing Conditions

INF Elite Insurance
INF Elite Insurance

INF Elite Travel Insurance is an International Visitor Accident and Sickness Insurance (IVAS) plan that is available to non-US residents traveling outside their home country visiting the USA, Canada, and Mexico when purchased before the start date of the trip for at least 90 days and not more than 364 days.

This is a plan to consider for travelers with pre-existing conditions or parents visiting the USA who are worried about coverage for pre-existing medical conditions. The plan covers pre-existing conditions up to the stated eligible amount in the policy.

INF Elite is available for age groups 0 to 99 years old. enrollment for the plan can be completed Online. The plan includes a PPO network. After the deductible is satisfied, the plan will pay for the eligible stated amount in the policy.

INF Visitor Medical Insurance For Visiting USA-Canada-Mexico, Key Highlights

INF Elite Visitor Medical Insurance
INF Elite Visitor Medical Insurance

In addition to accident and sickness benefits, the INF Elite IVAS plan includes:

Note: This plan is not available to US residents and is only available to non-US residents. Generally travel medical insurance plans provide for the acute onset of pre-existing condition coverage, this plan covers pre-existing medical conditions.

INF Elite Travel Insurance Plan Details

Coverage TypeComprehensive Coverage
Area Of CoverageUSA, Canada, Mexico, And Outside Home Country
A.M. Best RatingA
AdministratorINF Plans
UnderwriterCrum & Foster, SPC
For Ages0-99 Years Old
Period Of Coverage90 to 364 Days
CancellableYes (Before the effective date of the policy)
PPO NetworkUnited HealthCare Options PPO Network
Pre-Existing Conditions CoverageYes
INF Elite Plan Details

Key Benefits – INF Elite Travel Medical Insurance

Extendable for up to 364 days

Maximum Limits from $75,000 to $1,000,000

Deductible Options: $100, $250, $500, $1,000, $2,500, or $5,000

Utilizes the United HealthCare PPO Network

INF Elite IVAS Plan Coverages

  • Coverage for non-US residents
  • For Ages 0-99 years old
  • Short-term travel medical coverage insurance plan ( 90 days to 364 days)
  • Utilizes United Healthcare Options PPO network (Including direct billing)
  • Maximum Limits of:
    • For Ages 70-99: $75,000, or
    • For Ages 0-69: $150,000, $250,000, $300,000, $500,000, $1,000,000

Covers Pre-existing condition (see plan details)

  • Pre-existing conditions coverage
    • For ages 70-99: Up to $20,000
    • For ages 0-69: $25,000, $30,000, $40,000, or $50,000
  • INF Elite insurance benefits are underwritten by Crum & Foster, SPC

INF Elite Plan Non-Insurance Benefits Include:

  • 24/7/365 Medical Concierge with INF-Robin Assist (Makes appointments & arranges direct billing for members)
  • VIP Airport Assistance as an addon (When requested & organized by INF-Robin Assist at available airports)
  • Telehealth Provided by Doctor Please (Available while traveling anywhere worldwide)
  • Dental, Vision, Hearing, and Prescription Discount as an addon for interested members

INF Elite Travel Insurance For Pre-Existing Conditions

The plan provides travel insurance coverage for pre-existing conditions and offers coverage to non-US citizens traveling to the USA as per policy limitations, exclusions, and maximums, with no benefit waiting period.

Note: No benefit waiting period means that insurance coverage for these conditions begins immediately upon policy issuance or enrollment, without any delay or waiting period before benefits can be claimed. This is as per INF travel medical insurance plan information on pre-existing condition coverage.

Maximum Benefits For Pre-existing Condition Coverage

For Ages 0-69 years :

  • $25,000, $30,000, $40,000 or $50,000
  • Subject to Deductible: $1,500, $2,000, $2,500, $5,000, or $10,000

For Ages 70-99 years:

  • $20,000
  • Subject to Deductible: $1,500
INF Elite Pre-Existing Condition
INF Elite Pre-Existing Condition

What Does Pre-Existing Condition Mean?

A pre-existing condition is:

  • An illness, disease, or medical condition of the Covered Person that
  • Within the 12 months before their coverage became effective under the Policy:
    • Initially manifested itself, worsened, became acute, or
    • Exhibited symptoms prompting a person seeking diagnosis, care, or treatment: or,
    • Requires taking prescribed drugs or medicine
    • Unless the condition remains controlled, Without needing any changes in prescription, or
    • Received treatment from a Doctor or had treatment recommended by a Doctor

This means eligible expenses for:

  • Out-patient
  • Specialist
  • Urgent care, and
  • In-patient services

Are covered Up to the policy limits and benefit maximums for:

  • Pre-existing conditions and for new sicknesses and accidents
  • After the deductible has been met, for medically necessary covered expenses incurred
  • Coinsurance may apply

What Does Acute Onset Of Pre Existing Condition Mean?

Acute onset of a pre-existing condition is:

  • A sudden and unexpected outbreak or recurrence of a pre-existing medical condition
  • That occurs without any warning either in the form of physical recommendations or symptoms
  • And requires immediate care (within 24 hours)

Plan Benefits Of Elite Travel Insurance

  • Co-insurance:
    • In-network: 80% or 90% of the Preferred Allowance
    • Out-of-network: 60% or 70% of URC (Usual, Reasonable and Customary Charges)
  • Urgent Care Visit:
    • In-network: Covered with $25 Copay
    • Out-of-network: Covered with $50 Copay
  • Total Maximum for all Accidents or Sickness Expense Benefit Options
    • For ages 0-69 years: $150,000, $250,000, $300,000, $500,000, or $1,000,000
    • For Ages 70-99 years: $75,000
  • Deductible Options: $100, $250, $500, $1,000, $2,500, or $5,000
  • Physiotherapy: $50 per visit up to a maximum of $500
  • Incurral Period: 90 days after the date of injury/sickness
  • Maximum Benefit Period: The earlier of the covered person’s trip ends, or 364 days from the date of a covered Accident or Sickness
  • Accidental Death and Dismemberment Benefit: $25,000
  • Trip Interruption Benefit: $1,000
  • Emergency Medical Evacuation Benefit: Up to $25,000
  • Repatriation Of Remains: Up to $20,000
  • Maximum Period Of Coverage: 364 days
  • INF Elite Is Underwritten By: Crum & Forster SPC, with an A.M. Best rated “A”.

INF Elite Utilizes The United Healthcare Options PPO Network

The INF Elite plan utilizes the United HealthCare Options PPO Network across the United States.

You have the flexibility to select either an in-network or out-of-network provider or facility.

Utilizing a United health care options PPO network Provider or facility has several benefits:

  • Your insurance is accepted by most participating providers and facilities
  • Providers are likely to bill the IVAS insurance directly (direct billing most of the time)
  • You do not have to pay the entire medical bill and wait for reimbursement per the terms of the plan
  • Your copays and coinsurance are lower with in-network providers and facilities.
  • You may save money and hassle when visiting an in-network provider through United Healthcare Options PPO

INF Elite Travel Insurance Reviews

Elite Travel Insurance Plan Review
INF Elite Travel Insurance Plan Review

INF Elite is a comprehensive travel medical insurance plan offered by INF Insurance, providing excellent coverage for international travelers visiting the United States, Mexico, and Canada.

This plan stands out as one of the few travel medical plans that cover full pre-existing medical conditions. INF Elite is available to non-U.S. residents and requires a minimum purchase of 90 days before leaving the home country.

Key features of the INF Elite plan include coverage for pre-existing conditions, coverage for non-U.S. residents from age 0-99 years, policy maximum limits based on age, access to the United Healthcare PPO Network, and underwriting by Crum & Forster, SPC.

The plan offers short-term travel medical coverage ranging from 90 days to 364 days, with various policy maximum limits and benefits tailored to meet the needs of international travelers.

INF Elite is known for its comprehensive coverage, including pre-existing conditions, and is backed by a strong track record of providing innovative insurance products and quality customer care to travelers for over 30 years

INF Travel Insurance Plans

  • INF Elite Plus
  • INF Safe Traveler USA
  • INF PremierX
  • INF Premier
  • INF Premier PlusX
  • INF Premier Plus
  • INF StandardX
  • INF Standard
  • Diplomat America

Travel Assist Plans

  • Hop Assist
  • Hop Mindoro
  • Hop TripAssist Plus
  • BMI Travel Assist
  • Hop WorldHopper

Why Choose INF Visitors Insurance?

INF Visitors Insurance is a reputable provider of international visitor accident & sickness insurance, catering to travelers visiting the United States, Canada, Mexico, and other destinations. There are several reasons why one might choose INF Insurance:

  • Expertise in visitors Insurance
  • 30 years of track record
  • 24-hour Customer Services
  • Full Transparency
  • Exclusive Plan Offerings
  • No paperwork, Instant ID, Secure Purchase
  • Simpler experience with built-in technology

Experience and Trust: INF has been offering insurance options since 1988, demonstrating a long-standing commitment to providing innovative and cost-effective insurance solutions

Pre-Existing Conditions Coverage: INF plans like INF Elite and INF Premier cover sudden illness or injury, including pre-existing conditions, without a waiting period, providing comprehensive coverage for travelers

Quality Service: INF is known for its quality products, top-notch service, and plans with pre-existing conditions coverage, ensuring that travelers receive the necessary support and assistance during their stay

Financial Support: INF Insurance helps ease the financial burden of unforeseen medical expenses by offering coverage options for pre-existing medical conditions and providing travel assistance benefits

In summary, travelers may choose INF Insurance for its extensive experience, commitment to quality service, coverage of pre-existing conditions, and financial support for medical emergencies while abroad.

How Do the Premiums on INF Plans Compare With Other Travel Insurance Providers?

The premiums for INF Plans tend to be higher than other travel insurance providers due to the nature of coverage provided. INF Plans offer comprehensive travel medical insurance plans with complete coverage, including options covering pre-existing conditions, telemedicine services, and exclusive plan offerings. While the premiums for INF Plans may be higher, they provide innovative insurance products, quality customer care, and support for members when needed the most. Travelers need to compare travel insurance quotes before deciding, as there are several options in the marketplace, and the best choice depends on individual needs, budget, and coverage requirements

How To Purchase INF Insurance Coverage

To buy INF Insurance plans, you can follow these steps:

  1. Eligibility: INF Insurance is available for non-U.S. residents and non-U.S. citizens traveling to the United States, Mexico, or Canada and are between the ages of 0 to 99 years.
  2. US green card holders can also purchase INF insurance if they have a residence outside the USA
  3. Coverage Duration: INF Insurance offers coverage durations ranging from 5 days up to 364 days, with a minimum purchase requirement of 90 days for certain plans
  4. Application Process: You can apply for INF insurance online
  5. Documentation: When applying for INF insurance online, you will need to provide your passport details and travel dates to complete the application process
  6. Pre-Existing Conditions: INF Insurance plan offers coverage for pre-existing conditions, with options like INF Elite, INF Premier, and INF Elite Plus providing coverage for sudden illness or injury regardless of whether it is a pre-existing condition or not
  7. Payment: Once you have selected the appropriate INF insurance plan based on your needs and eligibility, you can proceed with the payment process to secure coverage for your international travel

By following these steps and ensuring that you meet the eligibility criteria, provide the necessary documentation, and select the right plan, you can easily purchase INF Insurance for your international travel needs.

INF Elite Claims

To file a claim with INF Elite Insurance, you must submit the necessary documentation, including a completed claim form, a copy of the passport of the insured person, a copy of every medical invoice, and a cover letter containing a synopsis of the insured person’s condition and current treatments.

Similar Plans

  • INF Premier
  • INF Elite Plus (UHC)
  • INF Premier (UHC) Plan
  • INF Premier PlusX (UHC) Plan
  • Visitors Protect

Other Options – Travel Assistance Plans

  • Hop Mindoro
  • Hop Trip Assist Plus

Travel assistance plans are not insurance products though they provide coverage for eligible medical expenses like travel insurance plans

INF Visitor Medical Insurance Plan – Frequently Asked Questions

These FAQs provide essential information about the INF Elite Travel Insurance Plan, eligibility, coverage, and key benefits for travelers visiting the United States, Canada, and Mexico.

Who is eligible for INF Elite Travel Insurance?

Any non-US citizen can apply for the INF Elite Insurance, including Green Card holders, H-1B Visa Holders, Permanent Residents, Students on F1 / F1 Visas, and those on OTP. The plan is available for all age groups, from age 0 to 99, and can be used for travel to the United States, Canada, and Mexico.

When does the travel insurance start and end?

The Elite Travel Insurance plan starts on the actual start of your trip, including any layovers during your travel. The coverage duration ranges from a minimum of 90 days up to 364 days.

Should I add my Spouse as a Dependent?

If your spouse is traveling with you and is eligible for the same type of coverage, they may be added as a dependent.

Is there a maximum limit for any pre-existing condition cover?

Yes, there may be a $25,000 maximum for the Accident and Sickness Medical Expense Benefit with a $1,500 Deductible for a pre-existing condition cover.

Why should I purchase the INF Elite Travel Insurance Plan?

The INF Elite Insurance plan is INF’s flagship comprehensive insurance for visitors traveling to the United States, providing coverage for sickness and accident medical expenses, Accidental Death and Dismemberment benefits, Emergency Medical Evacuation, and Repatriation of Remains benefits.

What area is covered under the INF Elite Travel Insurance plan?

The INF Elite Insurance provides coverage during trips to the United States, Canada, and Mexico.

What is the minimum period of coverage?

Once purchased, coverage starts from the trip’s start date, with a minimum coverage period of 90 days and up to 364 days.

Can I renew the Elite Travel Insurance Plan?

Yes, you can renew the Elite Travel Insurance Plan.

Will this plan cover pre-existing conditions?

Under the INF Elite Travel Insurance plan, pre-existing conditions may be covered according to the terms of the policy.

Can I purchase INF travel insurance plans if I am already in the U.S.?

Yes, you can buy insurance online plans but you must get prior permission to apply by submitting the following forms

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

Why are full pre-existing condition plans more expensive than other visitor medical insurance plans?

Full pre-existing plans are more expensive because:

  • By including pre-existing coverage
  • The insurance company takes the risk and insures individuals
  • Without any prior medical examination

Does INF insurance cover medical tourism?

  • INF insurance will not cover visitors to the US if they are already sick
  • If a traveler is already in the hospital, expecting to use the insurance
  • If travelers have scheduled medical procedures, or if travelers are seeking ongoing treatment
  • If a visitor proceeds to do any of the preceding
  • It may result in the cancellation of coverage
  • With a full refund of the amount paid, and all claims denied

What are eligible medical expenses?

Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion

How is the deductible paid and how is the plan maximum offered for INF Elite visitor insurance?

The deductible is applied per sickness