INF Elite 90 Travel Insurance for USA

Ideal for Full Pre-Existing conditionsVisitors Worldwide Outside of USAA rated comprehensive plan

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INF Elite 90 Insurance

INF Elite 90 Travel Insurance is a comprehensive travel medical insurance plan that covers for Non-US Citizens & anyone visiting USA, Canada, Mexico and traveling worldwide outside their home country. This plan provides coverage for full pre-existing conditions up to 99 years of age, as well as other benefits such as emergency medical evacuation, repatriation of remains, accidental death and dismemberment, and telemedicine. This plan offers coverage for minimum of 90 days up to 364 days. Plan will pays 90% of eligible medical expenses up to the policy maximum inside PPO network and the plan will pay 70% of eligible medical expenses outside of the PPO network after the deductible met for United Healthcare PPO network.

Key benefits of INF Elite 90 Insurance

Comprehensive plan

COVID-19 covered

Full Pre-existing conditions

PPO network

Urgent Care & Doctor Visit

Dental & Vision discount coverage

INF Elite 90 Insurance Reviews

Insurance provider
INF
INF Elite 90 Plan rating
AM Best Rating: A
INF Elite 90 Plan Underwriter
Underwritten by Crum & Forster SPC
Plan life
364 days (Minimum Enrolment 90 days)
Policy maximum
  • Ages 0 to 69 years: $150k 250k 300k 500k 1M
  • Ages 70 to 99 years: $75k
Deductible options
  • Ages 0 to 69 years:$100 $250 $500 $1k $2.5k $5k
  • Ages 70 to 99 years:$250 $500 $1k $2.5k $5k
Coinsurance of INF Elite 90 Insurance
In Network - Plan covers 80% of the Preferred Allowance
90%
Out of Network
70%

70% of Usual, Reasonable & Customary (URC) Charges

INF Elite 90 Plan Links

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INF Elite 90 Plan For Visitor Accident & Sickness Insurance

The Elite 90 plan is the only short-term insurance plan. This plan offers two unique features:
  • Full Pre-Existing Insurance :The Elite 90 covers all pre-existing conditions for Non-US Citizens.This includes doctors appointments, blood tests & labs, specialist care, urgent care visits, & hospital stays are all covered for pre-existing conditions.
    Elite Network plan covers pre-existing condition coverage up to $25k, $30k, $40k, or $50k subject to deductibles of $1,500, $2k, $2,500, $5k, or $10k for age 0 to 69 years and for policy maximum $75k covers pre-existing condition coverage up to $20k maximum with deductible $1,500 for age 70 to 99 years.
  • Comprehensive Insurance for Ages 70+ : It covers all ages up to 99 years old.
  • Elite 90 plan considers only the sicknesses within the last 12 months as pre existing conditions.
  • Elite 90 plan considers the "Acute onset of pre existing conditions" as a new sickness, meaning that the insured is covered up to the policy maximum for this.
  • Additional features: The Elite plan comes with the Careington POS Discount Card with no additional cost which provides savings on dental, vision, prescription and hearing products and services. You can save up to 50% on dental procedures.
Key Highlights of Visitors Care

INF Elite 90 Insurance for Visitors - Key Highlights

  • Covers 90% of eligible medical expenses
  • Comprehensive plan with full pre existing condition coverage which is unique. This includes doctor appointments, blood tests and lab, specialist care, urgent care visits and hospital stays are covered for pre existing conditions
  • Pre-existing complications from covid-19 covered
  • There is a minimum purchase of 90 days required to buy this plan
  • Covers all new medical conditions
  • Stable pre-existing conditions are covered as new sickness
  • Acute onset is considered new sickness
  • Urgent care & doctor visit arranged by MeMD
  • COVID-19 medically necessary testing & treatment covered as any other new sickness.
  • $25 In-Network urgent care copay
  • Sickness & Accident Plan with 80% in network coinsurance.
  • VIP airport assistance and 3 free priority pass lounge visits
  • INF-Robin Assist can make your appointments 24/7
  • Telehealth worldwide via Doctor

INF Elite 90 Visitor Accident & Sickness Insurance Summary


INF Elite 90 Insurance Eligibility
  • This plan is available for Non-US Citizens & anyone visiting USA ,Canada,Mexico and traveling worldwide outside their home country.
  • Minimum Enrolment should be 90 days to buy INF Elite 90 Plan.
  • Available for visitors already in the US with 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.

INF Elite 90 coinsurance
    • In-Network: The plan covers 90% of the Preferred Allowance
    • Out-of-Network: 70% of Usual, Reasonable & Customary (URC) Charges
Compare Best INF Elite Travel Insurance for USA

INF Elite 90 Plan - Frequently asked questions

01. What is the advantage of buying INF Elite 90 Insurance?

Elite 90 Insurance Covid19 travel insurance by INF for coronavirus will cover eligible medical expenses resulting from covid19/SARS-CoV-2.

02. Does INF Elite 90 Insurance cover covid illness?

INF Covid19 travel insurance by Elite 90 travel insurance for coronavirus coverage will cover eligible medical expenses resulting from covid19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

03. How is the deductible paid and how is the plan maximum offered for INF Elite visitor insurance? Is it per injury/per sickness and is there a cap with the maximum coverage?

INF Elite visitor medical insurance will cover on a per incident (sickness) basis up to the policy maximum. And the deductible is applied per sickness as well. There's no "lifetime maximum" for the plan - theoretically you could go to the hospital 10 times and get $1.5 million in claims.

04. Does INF insurance 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.

INF insurance Plan - Frequently asked 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.

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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INF Elite 90 Travel Insurance Plan Benefits

  • Hospital Room (Average Semi-Private), Board, & Miscellaneous Covered
    Hospital Intensive Care Unit Covered
    Surgeon Covered
    Urgent Care Visits In- Network: Covered with $25 copay
    Out - Network: Covered with $50 copay
    Anesthetist Covered
    Assistance Surgeon Covered
    Doctor’s Non-Surgical Visits Covered
    Consultant Doctor, when requested by attending Doctor Covered
    Pre-Admission Tests within 14 days before hospital admission Covered
  • Surgical Room & Supply Expenses Covered
    Surgeon Covered
    Anesthetist Covered
    Assistance Surgeon Covered
    Doctor’s Non-Surgical Visits Covered
    Diagnostic X-rays & Lab Services Covered
    CAT Scan, PET Scan, or MRI Covered
  • Emergency local ambulance Covered
  • Dental Treatment injury to Sound, Natural teeth (Due to Accident) Covered
  • Repatriation of Remains Up to $20k
    Medical Evacuation Up to $25k
    Accidental Death and Dismemberment $25k
    Incurral Period 90 days after the date of Injury/Sickness
    Physiotherapy $50 per visit up to a maximum of $500
    Chemotherapy and/or Radiation Therapy Covered
    Emergency Medical Treatment of Pregnancy Covered
  • Pre-existing Conditions For age 0-69: $25k, $30k, $40k, or $50k Maximum Benefit; subject to a $1.5k, $2k, $2.5k, $5k, or $10k deductibles.
    Pre-existing Conditions Sub-Limits: $15k Hospital/ICU Room & Board / $15k Hospital Miscellaneous / $15k Surgeries /$7.5k Hospital Emergency / $5k Assistance Surgeon Expenses / $500 Prescriptions
    For age 70-99: 20k Maximum Benefit; subject to a $1.5k Deductible

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