Compare INF Travel Insurance Plans

βš–οΈ Compare INF Travel Insurance Plans: Find the Right Coverage for Your Trip?

Choosing the right travel insurance is crucial for visitors to the United States, and INF offers a range of plans to meet diverse needs, from comprehensive coverage to fixed-benefit options.

This page compares the key benefits of INF's most popular plans INF Premier X insurance, INF SafeVista Protect, INF Elite X, and INF Standard X to help you make an informed decision. The INF Premier X Plan is the only fixed-benefit (scheduled benefits) plan with full pre-existing condition coverage, while the INF Elite X Plan is the only comprehensive visitor medical insurance plan offering full pre-existing coverage.

INF Premier X Insurance
star Rating: A Excellent edit_square Underwriter: Crum & Forster SPC

INF Premier X insurance is affordable travel insurance for seniors visiting the USA with full pre-existing condition coverage.

Ideal for πŸ‘‰ Travelers seeking a fixed-benefit coverage that provides full coverage for pre-existing conditions, offering comprehensive protection at an affordable price.

  • Age Limit: 0–99 years.
  • Coinsurance: 100% of the usual and customary charges.
  • Direct billing: Through United Healthcare Provider Network  United healthcare
  • Full pre-existing conditions: Coverage for full pre-existing conditions, including doctor visits, lab work, and hospital stays up to 99 years.
  • Emergency medical evacuation: Covers up to $85,000 maximum.
  • Return of mortal remains: Up to $30,000.
  • INF Premier X cost: The cost of INF Premier X insurance starts at $211 for a 25-year-old traveler for 3 months (90-day policy), with a policy maximum ranging from $100,000 to $1,000,000 and a deductible of $250.
  • Policy maximum?
    Ages 0–69: $100,000, $150,000, $300,000, $500,000, $1,000,000.
    Ages 70–99: $100,000

  • Deductible options?
    $75, $100, $250, $500, $1,000, $2,500, $5,000

  • Maximum age limit?
    Up to 99 years

INF Standard X insurance Fixed benefit
star Rating: A Excellent edit_square Underwriter: Crum & Forster SPC

INF Standard X insurance is a basic fixed-benefit travel insurance plan for visitors to the USA.

Ideal for πŸ‘‰ Healthy travelers seeking basic, affordable medical coverage for unexpected illnesses or injuries. Perfect for short-term visitors who do not need pre-existing condition coverage.

  • Age Limit: 0–99 years.
  • Direct billing: Through United Healthcare Provider Network  United healthcare
  • Pre-Existing Conditions: Not covered.
  • Emergency Medical Evacuation: Covers up to $25,000 maximum.
  • Return of Mortal Remains: Up to $20,000.
  • INF Standard X cost: The cost of INF Standard X insurance starts at $50 for a 25-year-old traveler for 1 month (30-day policy), with a policy maximum ranging from $50,000 to $150,000 and a deductible of $250.
  • Policy maximum?
    Age 0-69 years:
    $100,000, $150,000, $250,000, $300,000
    Age 70 to 99 years: $75,000

  • Deductible options?
    $75 $100, $250, $500, $1,000, $2,500 , $5,000

  • Period of coverage?
    30 days to 364 days

  • Maximum age limit
    Up to 99 years

INF SafeVista Protect insurance Comprehensive benefit
star Rating: A edit_square Underwriter: Tideview Risk SPC

SafeVista Protect plan insurance is a comprehensive travel insurance plan for U.S. visitors, covering emergencies, hospitalization, and acute onset of pre-existing conditions. Ideal for travelers seeking broad, short-term protection without full pre-existing coverage.

Ideal for πŸ‘‰ Travelers seeking comprehensive, short-term coverage in the U.S., including protection for the acute onset of pre-existing conditions, without needing full pre-existing condition coverage.

  • Age Limit: 0–85 years.
  • Direct billing: Through United Healthcare Provider Network  United healthcare
  • Pre-Existing Conditions: Covers acute on set of pre-existing conditions up to policy maximum for ages up to 85 years.
  • Emergency Medical Evacuation: Covers up to $25,000 maximum.
  • Return of Mortal Remains: Up to $10,000.
  • INF SafeVista Protect insurance cost: The cost of INF SafeVista insurance starts at $52 for a 25-year-old traveler for 1 month (30-day policy), with a policy maximum ranging from $100,000 to $1,000,000 and a deductible of $250.
  • Policy maximum?
    Ages 0–69: $100,000, $250,000, $500,000 or $1,000,000.
    Ages 70–99: $100,000

  • Deductible options?
    $0, $100, $250, $500, $1,000, $2,500, or $5,000

  • Maximum age limit?
    Up to 99 years

INF Elite X insurance Comprehensive benefit
star Rating: AM Best Rating "A" (Excellent) edit_square Underwriter: Underwritten by Crum & Forster, SPC

INF Elite X insurance Plan is a comprehensive travel insurance plan for U.S. visitors, offering full coverage for pre-existing conditions. Ideal for seniors or travelers with health concerns who want extensive medical protection and peace of mind.

Ideal for πŸ‘‰ Seniors or travelers with pre-existing conditions who want comprehensive medical coverage and peace of mind while visiting the U.S.

  • Age Limit: 0–99 years.
  • Direct billing: Unitedhealthcare United Healthcare Provider Network
  • Pre-Existing Conditions: Coverage for full pre-existing conditions, including doctor visits, lab work, and hospital stays up to 99 years.
  • Emergency Medical Evacuation: Covers up to $25,000 maximum.
  • Return of Mortal Remains: Up to $20,000.
  • Urinary tract infection: Up to $2,000.
  • INF Elite X cost: The cost of INF Elite X insurance starts at $455 for a 25-year-old traveler for 3 months (90-day policy), with a policy maximum ranging from $150,000 to $1,000,000 and a deductible of $250.
  • Policy maximum?
    Ages 0–69: $150,000, $250,000, $300,000, $500,000, $1,000,000.
    Ages 70–99: $75,000

  • Deductible options?
    $100, $250, $500, $1,000, $2,500, or $5,000

  • Maximum age limit?
    Up to 99 years

✈️ Compare INF Travel Insurance Plans

This table provides a quick overview of INF's most popular travel insurance plans, highlighting key differences in plan type, pre-existing condition coverage, age limits, minimum coverage duration, and ideal users. Use this comparison to choose the plan that best fits your needs whether you are a senior visitor, a traveler with pre-existing conditions, or a healthy visitor seeking basic medical coverage.

Plan Name Type Pre-Existing Condition Coverage Age Limit Minimum Coverage Duration Ideal For
INF Premier X Fixed Benefit Full coverage 0–99 90 days Budget-conscious travelers with full pre-ex coverage
INF SafeVista Protect, Comprehensive Acute onset only 0–99 10 days Short-term visitors with acute onset coverage
INF Elite X Comprehensive Full coverage 0–99 90 days Seniors and travelers with health concerns
INF Standard X Fixed Benefit No Coverage 0–99 30 days Healthy travelers seeking basic medical coverage

πŸ›‘οΈ How to Select the Best INF Visitor Insurance Plan for Your U.S. Visit?

Choosing the best INF Visitor insurance plan depends on your travel needs, age, duration of stay, and whether you need coverage for pre-existing conditions. INF offers a range of comprehensive visitor insurance options, all available through American Visitor Insurance, tailored to meet the needs of international travelers visiting the United States.

βœ… Here are key factors to consider when selecting the best INF insurance plan:

Coverage for pre-existing conditions: If you are an elderly traveler or someone with chronic health issues, look for INF plans like INF Elite X or INF Premier X, which offer extensive pre-existing condition coverage, including full coverage (not just acute onset). If you need coverage specifically for acute onset of pre-existing conditions, choose INF SafeVista Protect insurance.

⏳ Duration of Stay

βš•οΈ With Acute Onset and Flexible Coverage

For visitors with acute onset of pre-existing conditions, the INF SafeVista Protect insurance plan is an excellent choice. It offers coverage up to the policy maximum for the acute onset of pre-existing conditions for individuals up to 99 years of age. The plan also provides flexible coverage durations, ranging from 10 days to 364 days, making it ideal for both short-term and extended stays in the United States.

πŸ›‘οΈ Basic Coverage Needs

If you are a healthy traveler seeking basic medical coverage for your visit, INF Standard X is a suitable and cost-effective choice.

πŸ₯ Network and cashless services

INF plans offer access to top healthcare providers through United Healthcare Provider Network  United healthcare PPO, allowing cashless claims through INF Robin Assist and easier access to hospitals.

πŸ’² Budget and Premium

Compare different INF insurance plans on American Visitor Insurance to find one that fits your budget without compromising on essential benefits.

πŸ‘΅ Age and medical needs

INF plans are especially suitable for senior parents visiting the U.S. Choose a plan that matches the visitor’s age group and expected medical needs.
πŸ’‘ Tip: By comparing plan benefits, exclusions, and pricing on American Visitor Insurance, you can confidently select the best INF insurance plan for your U.S. visit.

🧳 Which INF plan is best if I have a pre-existing health condition?

When choosing a travel insurance plan with a pre-existing condition, it’s important to know how each INF plan covers these conditions:

INF SafeVista Protect

  • Covers the acute onset of pre-existing conditions, meaning sudden worsening of an existing condition during your trip.
  • Does not cover ongoing treatment for the pre-existing condition.
  • Suitable for travelers up to 85 years of age.

INF Premier X and INF Elite X insurance

  • Offer comprehensive, full coverage for pre-existing conditions, including ongoing treatment.
  • Ideal for seniors or travelers with chronic health issues who want maximum protection.
  • Available for travelers up to 99 years of age.

πŸ“Œ Summary:

✈️ How to Find the Best Travel Insurance for Travelers with Pre-Existing Conditions?

When traveling with some type of pre-existing condition, you want to be careful about selecting insurance as the majority of visitor insurance plans from the US will only cover other acute-onset of pre-existing conditions or does not cover it at all.

Travel Insurance Tips for Pre-Existing Conditions

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

  1. Choose a plan that specifically covers pre-existing conditions.
  2. Check the age limits for coverage.
  3. Review the coverage limit for pre-existing conditions (different from policy maximum).
  4. Be aware of any waiting periods or exclusions.
  5. Carry your medical records, prescriptions, and medications while traveling.
  6. Contact your insurance provider immediately in case of emergency.

INF Travel Insurance for Pre-Existing Conditions

Unlike most U.S. providers, INF Insurance offers visitor insurance with full coverage for pre-existing conditions (not limited to acute onset).

INF Pre-Existing Coverage Plans
  1. INF Elite Plans (INF Elite X, INF Elite Plus, INF Elite 90): Comprehensive plans with full pre-existing condition coverage up to defined limits. Available for travelers up to age 99.
  2. INF Premier X insurance: A fixed-benefit plan with full pre-existing coverage for travelers up to age 99 years.
  3. INF Premier Plus X: A fixed-benefit plan with full pre-existing coverage for travelers up to age 69, including preventive care and wellness benefits.
  4. INF SafeVista Protect: Provide coverage for acute onset of pre-existing conditions along with travel assistance benefits, ideal for travelers who want short-term emergency protection.
  5. HOP! Advantage and HOP! Prestige Plans: Cover acute onset of pre-existing conditions and include travel assistance services for emergencies while traveling abroad.

Why Pre-Existing Condition Coverage Is Important?

Elderly travelers often have medical issues, such as diabetes, hypertension, or heart disease, when traveling to the U.S., especially if they're parents. Travel insurance for pre-existing conditions means they can get care abroad as needed without large out-of-pocket expenses.

It provides assurance and peace of mind for both the traveler and their family knowing that in the event of an emergency or routine medical needs, those will be covered during the travels.

At American Visitor Insurance, you can compare INF pre-existing coverage plans side by side to choose the best option for your age and health needs.

❓ INF Pre-Existing Conditions - FAQ's

1. 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.

2. 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.

3. 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.

4. 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.

5. 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.

6. 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.

7. 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.

8. 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

9. Which INF travel insurance covers heart conditions?

INF Elite X, INF Elite Plus X, and INF Premier X travel insurance plans cover heart conditions under their full pre-existing condition benefits. This includes treatment for heart ailments such as heart attacks, cardiac emergencies, and related complications. Coverage is available for travelers up to age 99, subject to the plan’s policy limits, deductible, and specific terms

πŸ›‘οΈ INF insurance does not cover medical tourism

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..

❓Have questions?

Our support team is ready to assist you.

❓ INF Travel Insurance – Frequently Asked Questions

1. What is the difference between fixed-benefit and comprehensive benefit plans?

Fixed-benefit plans, like INF Premier X, provide set payouts per service, offering predictable coverage. Comprehensive-benefit plans, such as INF Elite X, offer percentage-based coverage, covering a larger portion of eligible expenses.

2. Can I purchase INF insurance after arriving in the U.S.?

While some plans can be purchased after arrival, it’s recommended to buy visitor health insurance before arriving in the U.S. to ensure continuous coverage. Plans such as INF Elite X, INF Premier X, and INF Standard X are available for purchase either before or after arrival, depending on your travel dates and eligibility.

3. Are INF plans suitable for elderly travelers?

Yes, INF offers plans like INF Elite X and INF SafeVista Protect, which are ideal for seniors with pre-existing conditions, providing comprehensive coverage.

4. Can Green Card holders purchase INF insurance?

Yes, Green Card holders can buy INF travel insurance for coverage during their travels outside the U.S.

5. What is the difference between acute onset and full pre-existing condition coverage?

Acute onset coverage, available in plans like INF SafeVista Protect, covers sudden and unexpected flare-ups of pre-existing conditions. Full pre-existing condition coverage, offered by plans like INF Premier X and INF Elite X, covers ongoing treatment for pre-existing conditions.

6. Which INF plan is best if I have a pre-existing health condition?

If you require full pre-existing condition coverage, including ongoing treatment, consider INF Premier X or INF Elite X. For acute onset coverage, INF SafeVista Protect is a suitable option.

7. Are there age limits for pre-existing condition coverage?

Yes, age limits vary by plan. For instance, INF SafeVista Protect offers acute onset coverage up to age 69, while INF Elite X provides full pre-existing condition coverage up to age 99.

8. What is INF travel insurance and who is it for?

INF travel insurance provides medical coverage for international visitors to the U.S. It is designed for travelers of all ages, including seniors, who need protection for unexpected medical expenses, accidents, or illness during their stay. Plans like INF SafeVista Protect, Standard X, Premier X, and Elite X cater to different needs, from basic coverage to comprehensive protection including pre-existing conditions.

9. How do I choose the right INF plan for my visit?

Choosing the right plan depends on health status, trip duration, age, and budget:

  • INF SafeVista Protect: Best for acute onset coverage of pre-existing conditions.
  • INF Standard X: Suitable for healthy travelers seeking basic, affordable coverage.
  • INF Elite X: Affordable plan with full pre-existing condition coverage.
  • INF Elite X: Comprehensive plan offering full pre-existing condition coverage and maximum benefits.

10. Which INF plans cover pre-existing conditions?

11. Are seniors with chronic health issues eligible for INF insurance?

Yes. Seniors with pre-existing conditions can choose:

πŸ‘©β€πŸ¦³ INF Visitor Insurance for travelers - Forum

INF travel medical insurance for people already in the US

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-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.

Please let us know if you have any more questions.

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

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Compare INF Travel Health Insurance Plans - Benefits, Coverage & Prices

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