INF visitors insurance for pre-existing conditions coverage in USA

Compare and buy INF visitors insurance for pre-existing conditions travel insurance

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INF visitors insurance

Inf travel medical insurance usa

International travelers should look for reliable travel insurance plans that provide adequate coverage while they are outside their home country. People in the age range of 50 - 99 are also often looking for coverage for pre-existing medical conditions. Many US insurance companies provide visitor travel health insurance plans for short term travel outside one’s home country.

These plans can offer coverage for pre-existing conditions with caveats. The main caveat is that plans cover only acute onset of pre-existing conditions. So, what is an “acute onset” of a pre-existing condition as opposed to a worsening of a current medical condition? That is a very good question and one that will be critical to whether your “acute onset” coverage is going to pay for your situation or not.

So, let’s define terms to get a clearer understanding of this idea. “Acute” means that the condition came on suddenly and needed to be taken care of quickly. Most companies use 24 hours as a gauge. So, if something is taking weeks to come on, it may not be covered. Also, the condition must be life or life-style (affecting vision, hearing, ability to walk, etc) altering situation.

Finally, the condition generally has to have been stable before the trip started; never travel against your doctor’s recommendation and be sure there have been no changes in your medications or treatments for some time. How do you determine if something is “pre-existing” or not. Policies have what is called a “look back” period. Anything that happened farther back in time from the look back period with no further complication or complaint is no longer considered a pre-existing condition.

So, if you had a broken angle 10 years ago, most policy look back periods are only 3 to 5 years, so this is no longer considered a pre-existing condition. In the unlikely event that you were to have an issue with that angle, it would be considered a “new” illness even if the problem stems possibly from your fracture 10 years ago.

INF travel insurance for Covid19:

Travelers travelling to the US, Canada and Mexico can buy travel health insurance with Covid-19 coverage from INF Insurance.INF Insurance offers visitors health insurance for coronavirus in the US, Canada and Mexico. INF insurance covers covid-19 as any other illness.

One of their plans (Elite) has excellent coverage of pre-existing medical conditions beyond the usual coverage for "acute onset" of pre-existing conditions which is a unique offering. You can compare their plans using this link and purchase the one you are interested in by choosing the "buy now" button for the appropriate plan: Please note that the Elite plan insuranceand Premier Insuranceare cheaper per month if you purchase at least 90 days the first time you buy them. You can compare all available INF US visitor insurance.


Do call us with questions or concerns you may have.

The other thing to note is that at age 70 many plans drop their coverage even for “acute onset” of pre-existing conditions. Policies that do cover it reduce coverage maximums for that situation significantly, so read the fine print carefully especially if you fall into one of these age groups. Very few plans cover up to age 79 and one or two cover up to 89 and 99.

INF offers a few plans that are different and unique when it comes to the coverage of pre-existing conditions, particularly for older travelers. They have two types of coverage for pre-existing medical conditions: (1) acute onset coverage and what they call (2) full coverage of pre-existing medical conditions. American Visitor Insurance has developed a comparison tool for reviewing INF plans that cover the pre existing conditions.

What do they mean “full” coverage of pre-existing medical conditions? How is this coverage better than the “acute onset” coverage? Well, the acute onset coverage is only available under a life-threatening (or lifestyle threatening) emergency, so we are talking about a hospitalization.

There are other situations where a pre-existing condition can give you some issues that you want to take care of before they get worse because you are in pain or can’t do what you’d like to be able to do on your trip or simply need to get taken care of (like a urinary tract infection) before they do become a major problem.

For one thing, their Elite plan only has a 90 day look back period, so as long as your medications or treatments have not changed in that time frame, any new issues arising could be covered under the policy. Also, since it extends beyond “acute” onset, if you need to get lab testing done or a new medication, this could be covered with the “full” pre-ex coverage that would not be covered with the “acute onset” policy.

What is not covered by a “full” pre-existing condition coverage plan? Your regular medications or regular required treatments (such as weekly dialysis) are never covered. If you are traveling in order to have some medical treatment, that is also not covered, nor complications which may arise from such treatment. Childbirth for someone who is already pregnant is also never covered.

Here is a summary of the coverage for pre-existing conditions :

INF Premier plan: This is a Fixed benefit plan providing policy maximum options of $100k, $150k, $300k, $500k and $1M for the age of 0-69 and $100,000 for the age range of 70-99. This is a full pre existing coverage plan where the coverage includes doctor appointments, blood tests, special care, urgent care which would not be covered under “full pre-xisting” coverage plans.

Premier plan provides policy maximum $100,000 covers pre-existing condition maximum of $20,000/$40,000 with deductible $1,000/$5000, policy maximum $150,000 covers pre-existing condition maximum of $30,000/$60,000 with deductible $1,000/$5,000 and policy maximum $300,000 covers pre-existing condition maximum of $50,000/$100,000 with deductible $1,000/$5,000 , policy maximum $500,000 covers pre-existing condition maximum of $150,000/$200,000 with deductible $1,000/$5,000 for age 0 to 69 years and policy maximum $1,000,000 covers pre-existing condition maximum of $150,000/$200,000 with deductible $1,000/$5,000 for age 0 to 69 years.

For age 70 to 99 years for policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.

INF Elite: This is a comprehensive plan and is the and unique among comprehensive plans due to the offering of “full” coverage for pre existing conditions as described above.Provides policy maximum options of $150k, $250k, $300k, $500k and $1M for the age of 0-69 and $75,000 for the age range of 70-99.

Covers full pre-existing condition coverage up to $25,000, $30,000, $40,000, or $50,000 subject to deductibles of $1,500, $2,000, $2,500, $5,000, or $10,000 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.

INF Elite Plus: This plan covers Preventive & maintenance care and coverage for full body physicals. This is a comprehensive plan and is the and unique among comprehensive plans due to the offering of “full” coverage for pre existing conditions as described above. Provides policy maximum options of $150k, $250k and $300k for the age of 0-69 and $75,000 for the age range of 70-99.

Elite Plus 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.

INF Elite 90: This is a comprehensive plan and is the and unique among comprehensive plans due to the offering of “full” coverage for pre existing conditions as described above. Covers 90% of eligible medical expenses. Provides policy maximum options of $150k, $250k, $300k, $500k and $1M for the age of 0-69 and $75,000 for the age range of 70-99.

Covers full pre-existing condition coverage up to $25,000, $30,000, $40,000, or $50,000 subject to deductibles of $1,500, $2,000, $2,500, $5,000, or $10,000 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.

INF Premier Plus: Premier Plus plan which covers both preventive care, full body physicals & pre-existing conditions for Non-US citizens & anyone visiting USA ,Canada,Mexico and traveling worldwide outside their home country.Provides policy maximum $300k for the age of 0-69 years.

Premier Plus plan provides policy maximum $300,000 covers pre-existing condition maximum of $50,000/$100,000 with deductible $1,000/$5,000 for age 0 to 69 years.

INF Hop! TripAssist Plus: Hop Trip Assist Plus comprehensive travel assist best for Pre-existing conditions.Hop TripAssist Plus, members receive top-notch medical assistance for both Acute onset conditions and the worsening of pre-existing conditions.

Stable, chronic pre-existing conditions which worsen during travel are eligible for benefits under the membership, depending on the chosen membership thier, members can enjoy coverage ranging from $150,000 to $300,000.Access expenses is up to $500 for pre-existing conditions.

Enroll for 60 days to access a 30% discount.

Hop! Travel Assistance: Covers Medical Assistance for Pre-Existing Conditions.All plans cover 100% of Eligible Medical Expenses with medical access expenses of $0, $100, $250, $500, $1,000, $2,500, and $5,000.Covers Pre-Existing Conditions for Stablization & ER to 100% of Assistance Level.

INF Hop! WorldHopper: Hop WorldHopper fixed benefit plan best For International travelers.Hop WorldHopper offers medical assistance for pre-existing conditions coverage $25,000, $30,000, $40,000 or $50,000 subject to a $1,500, $2,000, $2,500, $3,000, $5,000 or $10,000 medical assistance access expense.

INF Hop! Mindoro: Covers Medical Assistance for Pre-Existing Conditions (Out-Patient and Emergency).This plan is available for Non-US Citizens & Anyone visiting USA or Canada can enroll in this plan.Acute Onset Covered as a New Sickness.

International travelers concerned about getting the best pre-existing condition coverage while traveling to the US from any other country must have a look at these plans as they are unique in the way the coverage they offer. All INF plans must be purchased for at least 30 days (some 90 days), so they are not meant for very short trips into the US.

To know more about the plans please review these products on our website and read their brochures. Travelers can buy these plans online and a confirmation email is immediately sent to the customer with the policy ID Card and all the other details of the plan. If you have any questions or issues with your purchase, feel free to call on our friendly and knowledgeable staff to guide and assist you.

What does visitor travel insurance cover?

Health care expenses

Covers hospital expenses for sickness or accidents.

Doctor visit

Insures Doctor visits for sudden injury or sickness.

Pharmacy drugs

Doctor prescribed eligible pharmacy drugs expenses.

Pre-existing conditions

Some plans insure acute onset of pre-existing conditions coverage.

Medical evacuation

Medical evacuation expenses to nearest facility included.

Repat of remains

Repatriation of remains to home country included.

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INF Travel Insurance - Pre-existing Questions

01. Is there any pre-existing exclusions for INF plans?

Yes. There are six main exclusions (applies to all the INF plans) Cancer Dialysis Cataract / Vision sickness Mental Illness (depression / anxiety) Preventive / Maintenance care (except for INF Elite Plus and INF Premier Plus) Sleep Apnoea.

02. Can a Green Card holder buy INF plans?

Yes, Green Card holders are eligible to enroll in the INF Plans as long as they maintain a residence outside the US.

03. Can I purchase INF travel insurance plans if I am already abroad?

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

04. Can I purchase INF travel medical insurance if I already have pre-existing conditions?

Yes, you can purchase INF travel medical insurance even if you have pre-existing conditions. INF offers INF Premier, INF Premier Plus, INF Elite, INF Elite Plus, INF Elite 90 plans that travel insurance with 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.

05. What is INF travel medical insurance for pre-existing conditions?

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 best health insurance for visitors to USA with pre-existing conditions, including the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus, 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.

06. What is the INF insurance cost for visitors to the United States?

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.

07. What are the different types of INF insurance for visitors to the USA?

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.

08. What is the difference between the three INF Elite insurance plans?

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.

09. How do I apply for INF insurance?

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.

10. What is the maximum length of coverage in INF insurance?

The maximum length of coverage for INF insurance is 364 days.

11. For which countries can I buy INF visitor insurance?

INF insurance is available for international visitors to the United States, Canada or Mexico.

12. What are the requirements for applying for INF insurance?

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.

13. What is the eligibility to buy 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.

14. What is the minimum requirement to buy INF Elite and Premier plans?

There is a minimum purchase of 90 days required to buy these INF Elite plans.

15. What is the advantage of having the United Healthcare PPO in visitors insurance offered by INF?

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.

16. Why are INF Full travel insurance pre existing conditions plans more expensive than other travel insurance covering pre existing conditions?

The Full pre-existing conditions coverage plans treat any issue related to a pre-existing condition like a New Accident and Sickness, subject to the policy maximum and deductible limits. This explains why 'Full pre-existing conditions visitor insurance coverage' plans are more expensive than coverage only for 'pre-existing conditions'.

17. Does INF travel insurance really offer coverage for all preexisting conditions?

In short the answer is Yes. INF insurance will cover any pre-existing conditions ranging from blood pressure, diabetes, to kidney complications and arthritis. All of these issues are all covered by the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus, INF Elite 90 best travel insurance for pre existing conditions

Compare the best travel insurance for full pre-existing conditions plans Compare INF Full pre-existing conditions.

Note: **INF Premier, Elite, Elite Plus , Premier Plus and Elite 90 plans have a minimum purchase should be 90 days.

18. Is Asthma a pre-existing condition for INF travel insurance?

If the Asthma condition has been stable for 12 months, it is NOT pre-existing in INF Elite or Premier. If it has been unstable (treatment required) in past 12 months- it IS pre-existing, and covered as a pre-existing condition.

19. Is Asthma covered in INF travel insurance?

Yes – INF travel insurance will cover the worsening of the condition, but not maintenance or preventive care.

20. Do I need to declare mild asthma for travel insurance?

No.

21. Is Arthritis a pre-existing condition for travel insurance?

If the Arthritis condition has been stable for 12 months, it is NOT pre-existing in INF Elite or Premier. If it has been unstable (treatment required) in past 12 months- it IS pre-existing, and covered as a pre-existing condition.

22. Do I have to declare rheumatoid arthritis on travel insurance?

No.

23. Does INF travel insurance covers arthritis?

Yes – INF US travel insurance will cover the worsening of the condition, but not maintenance or preventive care.

24. Is Diabetes considered pre-existing condition?

If the Diabetes has been stable for 12 months (no change in Medication / sickness related to diabetes), it is NOT pre-existing in INF Elite or Premier. If it has been unstable (treatment required) in past 12 months- it IS pre-existing, and covered as a pre-existing condition.

25. Is diabetes covered under INF travel insurance?

Yes - INF US visitor insurance will cover the worsening of the condition, but not maintenance or preventive care.

26. Do we have to declare pre diabetes on travel insurance?

No.

27. Does INF travel insurance cover heart attacks?

Yes- INF travel insurance for USA will cover a heart attack either as a new sickness or pre-existing condition, depending on how stable to insured’s condition was in the past 12 months.

28. Which INF travel insurance covers heart conditions?

Yes - INF visitors insurance for USA will cover the worsening of the condition, but not maintenance or preventive care.

Best travel insurance with pre existing conditions

Travel Insurance tips for Pre-Existing Conditions

Here are some travel insurance tips for travelers with pre-existing conditions:

  1. Choose a travel health insurance plan that covers pre-existing conditions.
  2. Read the policy carefully to understand what is covered and what is not.
  3. Be aware of any waiting periods for coverage of pre-existing conditions.
  4. Consider buying a visitors insurance policy with higher coverage limits.
  5. Carry a copy of your medical records and list of medications with you when traveling.
  6. Ensure that you carry your medical prescription and medicines during your trip.
  7. Know how to access medical care in your destination.
  8. Contact your visitors insurance provider immediately in case of any medical emergency.
  9. Disclose all pre-existing conditions when buying visitors health insurance.
  10. Follow all necessary procedures to file a claim for reimbursement of medical expenses.

What are the INF pre-existing conditions travel insurance options?

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.

What are the important factors for pre existing conditions visitors health insurance?

The following are the important factors to consider while purchasing travel insurance for pre-existing conditions

  1. The definition of pre-existing conditions and the look back period under the policy.
  2. The eligibility age limit for pre-existing conditions coverage.
  3. Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
  4. The coverage limit for pre-existing conditions which is different from the policy medical maximum.
  5. The deductible and out of pocket expenses for pre-existing conditions coverage.

Why is pre-existing conditions travel health insurance important?

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.

How does pre-existing conditions travel insurance work?

Pre-existing conditions travel insurance plans are designed to provide coverage for conditions that existed or still exist which started before the insurance plan became effective. Normally , travel insurance provides coverage for unexpected medical emergencies, trip cancellation, baggage delay and loss and medical emergencies and hospitalization. The plans that cover pre-existing conditions can vary from one provider to the other.They also have limitations for age factor and do not provide coverage for most people above 70.It is important to review the policy carefully to see if it covers the things that you want to get coverage.

Pre existing condition is defined as the medical condition that has been diagnosed with or received treatment for certain period of time before the policy became effective.

Coverage exclusions: The pre -existing condition travel insurance may restrict the coverage for some specific conditions,and will have limitations around the age of the individual, or have waiting periods to start coverage.

Medical emergency coverage: If the traveler experiences medical emergency related to the pre-existing condition, during the trip, then the insurance will cover the eligible medical expenses.

Trip cancellation or Interruption: Some plans will provide coverage for trip cancellation related to the pre existing condition in case you need to cancel the trip for the medical issue.

Claims: For a covered claim, you need to file a claim with the insurance provider

Reviewing the policy: Before purchasing the plan, carefully review the policies terms and condition to understand the coverage, limitations and requirements for pre-existing conditions.

Pre-existing conditions coverage - FAQ's

01. How do I know if my pre-existing condition is covered by travel insurance?

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.

02. What does full coverage for Pre-Existing Conditions mean?

INF plans boast they offer "full" coverage for pre-existing conditions. This can be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the INF Elite and INF Premier is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation.

03. What does acute onset of pre-existing conditions mean?

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.

04. What is the difference between Full Pre-Existing & Acute Onset Insurance?

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

05. What are the limits of Full Pre-Existing plans under INF travel insurance?

Full Pre-existing means we will cover any issue regarding a pre-existing condition, however, if one is traveling to the United States solely for medical treatment, that will not be covered. INF plans do not cover any medical tourism related claims. Pre-existing conditions under the INF plans are covered with a higher deductible and a lower maximum than other illnesses or injuries. These are chosen or specified when you purchase you plan.

06. Do INF travel insurance plans really cover all pre-existing conditions?

Yes, the INF policies will cover any pre-existing issue that the traveler may have during their stay in the United States. This includes blood pressure, diabetes, kidney related issues and arthritis, all of which are covered by the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plans.

07. Why are Full Pre-Existing plans more expensive than other visitors insurance plans?

The insurance company takes on an enormous risk by insuring individuals and including coverage for pre-existing conditions without any prior medical examination. Under the INF plans, you are paying more, but you are getting the full value for the money you pay given the very high cost of US healthcare. With the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plans, even though it is expensive, you can have the comfort of knowing that you are covered for any emergency or contingency. This peace of mind given the expensive US healthcare expense is what makes INF plans worth it despite being expensive.

08. What services are covered under visitors insurance full pre-existing coverage?

The list of covered services under Visitors insurance full pre-existing conditions coverage can be found on the American Visitor Insurance website of the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plan pages. INF plans are open to green card holders

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Visitors Insurance for travelers - Forum

Hi,

My mother is already in the US. I am looking to buy an insurance for her. I was wondering if I can purchase the INF plans?

Thank you,
Mohammad
Dear Mohammad,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!

If the person is already in the US, then they cannot purchase the HOP plans offered by INF. They can purchase any of the other INF plans, but there will be a 5 day waiting period for any new sickness and 15 days for Covid. 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.

Please let us know if you have any more questions.

Sincerely,
www.americanvisitorinsurance.com
(877) 340 7910

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