Does INF Visitor Insurance provide coverage for pre-existing conditions?
Yes. INF Visitor Insurance is one of the few providers that offers full coverage for pre-existing conditions, not just the acute onset. This makes it especially valuable for elderly visitors between ages 50 to 99, or travelers with chronic health concerns who need more than emergency-only protection.
While most U.S. visitor insurance plans only cover acute onset of a pre-existing condition (a sudden and unexpected flare-up), INF plans go further by including routine care, predictable worsening, and ongoing treatment, depending on the specific plan you choose.
At American Visitor Insurance, you can compare INF plans such as Premier X, Elite X, Elite X 90, Elite X Plus , Premier X Plus and SafeVista Protect insurance that provide comprehensive or fixed-benefit options with full pre-existing condition coverage, and easily buy the one that best fits your travel and medical needs.
what is the best INF plan for visitors with pre-existing conditions?
Choosing the right INF insurance plan depends on a traveler’s age, health needs, trip duration, and whether pre-existing condition coverage requirements. INF offers a variety of fixed-benefit and comprehensive plans, each designed for different types of visitors. From affordable basic protection for short trips to robust comprehensive coverage with full pre-existing and preventive care benefits, there is a plan to match every traveler’s situation. Below is a quick comparison of the most popular INF visitor insurance plans to help you find the best fit.
What Is Pre-Existing Condition?
Pre-existing Condition means an illness, disease, or other condition of the Covered Person that in the 12-month period before the Covered Person’s coverage became effective under the Policy:
- first manifested itself, worsened, became acute, or exhibited symptoms that would have caused a person to seek diagnosis, care, or treatment
- Required taking prescribed drugs or medicines, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription
- Treated by a Doctor or treatment had been recommended by a Doctor
What is the difference between Acute Onset coverage and Full Pre-existing condition coverage?
Traveling abroad with a history of pre-existing medical conditions? Understanding the differences between Full Pre-Existing Condition Coverage and Acute Onset of Pre-Existing Conditions is important while choosing the right INF travel medical insurance plan for your needs.
| Full Pre-existing Condition Coverage | Acute Onset of Pre-existing Conditions Coverage | |
|---|---|---|
| Definition | Covers all eligible medical expenses related to your pre-existing medical condition(s) without requiring them to be sudden or unexpected. | Covers only sudden, unexpected, and life-threatening flare-ups of pre-existing conditions. It does not cover routine treatment, medication refills, or slow progression. |
| Example | You have diabetes. You need insulin refills, routine checkups, or hospitalization due to a gradual complication - these can be covered. You have hypertension and develop kidney complications - still covered, even if the complication develops slowly over time. |
You have asthma. A sudden severe asthma attack occurs while traveling - covered. You have high blood pressure and suddenly suffer a stroke - covered. But if your blood pressure is gradually increasing and you need medication adjustments - not covered. |
| Covers gradual worsening | Yes | No |
| Covers routine medication | Yes | No |
| Covers sudden, unexpected flare-up | Yes | Yes |
| Premium cost | Higher | Lower |
| No “sudden onset” restriction — chronic, ongoing, and progressive conditions are covered. Benefits and limits depend on the policy maximum and deductible you choose. Often comes with higher premiums because the insurer is taking on more predictable risk. |
Must be unexpected — not something your doctor advised you to treat before travel. Usually requires you to seek treatment within a certain time frame after symptoms appear (e.g., within 24 hours). Generally cheaper premium than “Full Pre-existing” coverage. |
|
| Plan | INF Premier X insurance, INF Elite X insurance, INF Elite X 90 insurance, INF Elite Plus X insurance, Premier Plus X insurance (Both offer options for full pre-existing condition coverage, depending on the plan option and the age.) |
SafeVista Protect insurance |
At AmericanVisitorInsurance we help visitors to US decide between acute onset and full pre-existing condition coverage by providing side-by-side plan comparisons, detailed definitions, and clear explanations of what each INF US travel insurance for pre-existing conditions offers. Specific plans (such as INF Elite X insurance or INF Premier:) are suggested as options if full pre-existing coverage is required. Peace of mind for high-risk travelers especially if the travelers have chronic conditions like diabetes, heart disease, or require regular medical management, full pre-existing coverage in INF travel insurance for USA eliminates financial risk from ongoing care or complications.
Why choose INF visitor insurance?
Unlike many standard visitor insurance policies, INF Visitor Insurance plans (such as INF Elite, Elite 90, and Elite Plus) are specially designed to provide comprehensive coverage for pre-existing conditions, including acute onset benefits. These plans, available through American Visitor Insurance, are especially popular among older travelers visiting the USA, Canada, or Mexico because they combine higher policy maximums with access to the trusted UnitedHealth care PPO network.
If you are traveling to the USA with pre-existing health conditions, INF Visitor Insurance is one of the most reliable choices. Be sure to review what qualifies as an acute onset event, check the policy’s look-back period, and select the plan that best fits your age and health needs.
INF visitor health insurance with Pre-existing condition
International travelers visiting the USA, Canada, or Mexico often face one big challenge when purchasing visitor insurance finding reliable coverage for pre-existing medical conditions. Most traditional visitor insurance plans only cover the acute onset of pre-existing conditions, which limits protection to emergencies and life-threatening situations.
This is where INF Visitor Insurance stands out. INF offers unique visitor health insurance plans that go beyond standard “acute onset” coverage by also providing full pre-existing condition coverage — a rare benefit, especially for older travelers ages 70–99.
Why INF visitor insurance is different?
- Coverage for Older Travelers: Many plans reduce or drop pre-existing coverage after age 70. INF Elite continues offering coverage with policy maximums up to age 99
- Covid Coverage: INF plans include COVID-19 treatment coverage as a new illness.
- Affordable Options: Plans like INF Elite and Premier are more budget-friendly if purchased for at least 90 days initially
- Trusted Network: Access to the UnitedHealth care PPO network ensures quality care across the USA.
- Comparison : Travelers can easily compare INF plans through American Visitor Insurance and choose the one best suited to their needs
What full Pre-existing coverage does not include ?
Even with full coverage, some exclusions apply. These include:
- Regular medications or ongoing treatments (e.g., weekly dialysis)
- Travel for the purpose of receiving medical treatment
- Complications from planned treatments or procedures
- Childbirth for existing pregnancies
How much does INF Pre-existing travel insurance cost?
The SafeVista plan with acute onset coverage starts at $158 per month and is designed for shorter trips, providing coverage for the acute onset of pre-existing conditions. For travelers seeking more comprehensive protection, Full pre-Existing coverage Plans start at $377 for 3 months, offering full coverage for pre-existing conditions and ensuring peace of mind throughout the trip. The INF insurance cost may vary depending on the traveler’s age, policy maximum, deductible, and travel duration..
Note: SafeVista Comprehensive rates are calculated on a monthly basis, while all other plan rates are based on a 90-day period. A $250 deductible applies to all plans, except Elite Plus, which has a $500 deductible.
| Plan Name | Medical maximum | Age 50 | Age 60 | Age 70 | Age 80 to 99 |
|---|---|---|---|---|---|
| SafeVista Protect | $100,000 - $1,000,000 | $158 - $225 | $215 - $247 | $320 | $789 |
| Premier X | $100,000 - $1,000,000 | $363 - $574 | $389 - $616 | $1,208 | $1,576 |
| Premier Plus X | $300,000 | $1,137 | $1,177 | Not Available | Not Available |
| Elite X | $150,000 - $1,000,000 | $962 - $1,033 | $1,369 - $1,473 | $3,268 | $4,194 |
| Elite 90 X | $150,000 - $1,000,000 | $1,099 - $1,182 | $1,567 - $1,686 | $3,745 | $4,807 |
| Elite X Plus | $150,000 - $1,000,000 | $1,465 - $1,542 | $1,843 - $1,956 | $3,606 | $4,737 |
⭐ INF Visitor Insurance Reviews
Pranav
"I’ve been using INF every time my parents have come and visited for the last 18 years, or pretty much since Y2K. They are a community-based company and I can really tell they care for their customers. I’ve met many of their team members throughout the years, all of them are courteous and helpful in getting the claims paid and going the extra mile if there’s some sort of paperwork issue."
Anjali
"I had a great experience with INF. They covered a Covid test for my mom who was feeling sick right after she came on her flight. Luckily she tested negative. I was happy with the overall service and cashless service. Always happy to recommend INF to friends and family!"
Joanna
"I purchased this travel health insurance for my parents during their stay in the United states. The purchasing procedure was really quick and simple. I contacted support to get a breakdown of all the plans so I could choose the one that best suits my parents, and their support staff responded quickly."
❓Do You Have questions?
Our support team is ready to assist you.
INF Travel Insurance - Pre-existing Questions
1. 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.
2. 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.
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
4. 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.
5. 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 insurance, INF Premier Plus, INF Elite insurance, 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.
6. 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.
7. What are the different types of INF health 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.
8. 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.
9. 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.
29. Why should I buy INF travel insurance on American Visitor Insurance?
American Visitor Insurance has developed comparison tools to help travelers compare prices and benefits of different INF plans easily and make an informed decision of the best INF travel insurance plan for your specific requirements. American Visitor Insurance's licensed customer support staff help customers by providing answers to any queries or concerns while buying INF travel insurance. The customer support staff are available at all times to help you with the online application process as well as to help customers while filing for INF insurance claims should you need to use the insurance coverage while in the USA.
📝 How Do I File a Claim With INF Insurance?
To file a claim with INF travel insurance, follow these steps:
Download Form
Get claim form online
Call Support
888-207-1694
Submit Documents
Robin Assist, P.O. Box 211879, Dallas, TX 75211.
Email Help
claims@robinassist.com
How to Choose the Best INF Plan for Pre-Existing Conditions?
Choosing the right INF plan depends on whether you need fixed-benefit or comprehensive coverage, full pre-existing protection or just acute-onset, and whether preventive care or travel assistance is important for you. Below is a quick guide to help you select the best option based on your travel and health needs.
Consider Premier X or Premier Plus if you prefer a fixed-benefit plan with predictable coverage and lower premiums.
Choose Elite X, Premier X, Elite X Plus, or Premier Plus for the most comprehensive protection.
Opt for Elite X Plus or Premier Plus, which include wellness and routine care benefits.
Choose Elite X, Elite X Plus, or Elite X Plus for broader coverage, higher policy maximums, and protection against unexpected medical costs.
The SafeVista Protect plan covers sudden medical emergencies during travel.
Consider the INF HOP Advantage plan for extra support services.
