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 | 0β99 | 90 days | Budget-conscious travelers with full pre-ex coverage |
INF SafeVista Protect, | Comprehensive | Acute onset only | 0β99 | 10 days | Short-term visitors with acute onset coverage |
INF Elite X | Comprehensive | Full coverage | 0β99 | 90 days | Seniors and travelers with health concerns |
INF Standard X | Fixed Benefit | No Coverage | 0β99 | 30 days | Healthy travelers seeking basic medical coverage |
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.
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.
When choosing a travel insurance plan with a pre-existing condition, itβs important to know how each INF plan covers these 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.
Here are some travel insurance tips for travelers with 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 PlansElderly 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.
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.
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.
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.
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 doctorβs visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.
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.
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.
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.
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
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 planβs policy limits, deductible, and specific terms
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..
Our support team is ready to assist you.
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.
While some plans can be purchased after arrival, itβs 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.
Yes, INF offers plans like INF Elite X and INF SafeVista Protect, which are ideal for seniors with pre-existing conditions, providing comprehensive coverage.
Yes, Green Card holders can buy INF travel insurance for coverage during their travels outside the U.S.
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.
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.
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.
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.
Choosing the right plan depends on health status, trip duration, age, and budget:
Yes. Seniors with pre-existing conditions can choose:
INF travel medical insurance for people already in the US
Hi,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,There are several travel health insurance plans available for the visitors traveling outside their home country.
Click here to read more Β»International travelers should look for reliable travel insurance plans that provide adequate coverage while they are outside their home country.
Click here to read more Β»The best insurance plan for your needs International travelers, students, all US visaβs and Schengen visa.
Click here to read more Β»Comparison of Travel Medical insurance and buy the best US travel insurance.
Know MoreInternational travel insurance resources for outside your home country.
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