INF Elite X Travel Insurance

Best Comprehensive travel insurance with full pre-existing conditions for non-us residents

INF Elite X Travel Insurance

INF Elite 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 80% of eligible medical expenses up to the policy maximum inside PPO network and the plan will pay 60% of eligible medical expenses outside of the PPO network after the deductible met for United Healthcare PPO network.

Key benefits of INF Elite X Insurance

Minimum enrollment 90 days

Emergency Medical Evacuation

Full Pre-existing conditions

Urgent Care

United Healthcare Provider Network

Emergency Dental Treatment

INF Elite X Plan insurance reviews

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: $75 $100 $250 $500 $1k $2.5k $5k
  • Ages 70 to 99 years: $250 $500 $1k $2.5k $5k
Insurance provider
INF
INF Elite X Plan rating
AM Best Rating: A
INF Elite X Plan underwriter
Underwritten by Crum & Forster SPC
Plan life - 364 days (Minimum Enrolment 90 days)
Coinsurance
In Network - Plan covers 80% of the Preferred Allowance
100%
Out of Network - 60% of Usual, Reasonable & Customary (URC) Charges
60%

INF Elite X Plan insurance - Key Highlights

  • Includes doctor appointments, blood tests and lab, specialist care, urgent care visits and hospital stays are covered for pre existing conditions
  • Coverage for Pre-Existing Conditions to $1M
  • Pre-Existing Complications from COVID-19 Covered
  • Telehealth worldwide via Doctor
  • $25 In-Network urgent care copay
  • Stable Pre-Existing Conditions are Covered as New Sickness
  • Covers 80% of Eligible Medical Expenses
  • Acute Onset is Considered New Sickness
  • COVID-19 Medically Necessary Testing & Treatment covered as any other new sickness.
  • VIP airport assistance and 3 free priority pass lounge visits
  • INF-Robin Assist can make your appointments 24/7

INF Elite X Plan Insurance Summary


Elite X Plan insurance eligibility
  • This plan is available for Non-US Citizens & anyone visiting USA ,Canada,Mexico and traveling worldwide outside their home country.
  • 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.
  • Minimum Enrolment should be 90 days to buy INF Elite Plan.

Elite X Plan Cancelation

The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

  • Changes in dates can be made with no additional charge or penalty. This includes preponing or postponing coverage before the effective date of the plan. This is always our policy and will not changes
  • Policies can be cancelled before the start date of the policy with a minimal $25 cancellation fee. If the insured has not started their trip due to unforeseen circumstances, they may be eligible to cancel the policy.
    • For example, if a week has passed and they want cancel the policy- that is not possible. There's no cancellation of policy after start date
    • However, due to coronavirus- If it is day 1 of the policy only, we can still consider it for cancellation during this coronavirus period if the visitor has not yet begin their trip (on a case by case basis).

INF Elite X Plan - PPO network

INF Elite X Plans - Provider network and how to find hospital or doctor? United Healthcare Provider Network

Find a network doctor, hospital, lab or health care provider in your area. Health care providers who are in our network have agreed to charge lower prices, which helps lower your health care costs.

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Plan benefits of INF Elite X health international insurance

  • 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 $20,000
    Medical Evacuation Up to $25,000
    Accidental Death and Dismemberment $25,000
    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: $25,000, $30,000, $40,000, or $50,000 Maximum Benefit; subject to a $1,500, $2,000, $2,500, $5,000, or $10,000 deductibles.
    Pre-existing Conditions Sub-Limits: $15,000 Hospital/ICU Room & Board / $15,000 Hospital Miscellaneous / $15,000 Surgeries /$7,500 Hospital Emergency / $5,000 Assistance Surgeon Expenses / $500 Prescriptions
    For age 70-99: 20,000 Maximum Benefit; subject to a $1,500 Deductible

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INF Elite X Plan Insurance - Common Questions

01. What are the eligibility and requirements for INF Elite X travel insurance?

INF Elite X Travel Insurance is for non U.S. residents and non U.S. citizens who are traveling to the United States, Canada, or Mexico. The plan is available for ages 18 years to 99 years. The coverage duration is from 90 days to 364 days and can be extended for up to 364 days. The plan must be purchased before departing from the home country. The minimum requirement to buy INF Elite X plans is that you must have a valid visa or passport stamp when entering the US.

02. Does INF Elite X Travel Insurance cover quarantine benefit or emergency medical evacuation for Covid19?

No, INF Elite X Travel Insurance does not cover quarantine benefit or emergency medical evacuation for Covid19.

03. Does INF Elite X Travel Insurance cover pre-existing conditions related to Covid19?

Yes, INF Elite X Travel Insurance can cover pre-existing conditions related to Covid19, such as worsening pre-existing conditions or acute onset of pre-existing conditions. A worsening pre-existing condition is one that is otherwise stable but has become worse in a new manifestation. An acute onset of pre-existing condition is a sudden, rapid, unpredictable emergency related to a pre-existing issue. The plan will pay 80% of eligible medical expenses up to the policy maximum within the United Healthcare PPO network, and 60% of eligible medical expenses outside of the PPO network, after the deductible is satisfied.

04. Can I cancel the INF Elite X plan and get a refund?

Yes, you can cancel your INF plan within the first 10 days of purchase and receive a full refund, provided that you have not already filed a claim.

05. How much does INF Elite X Travel Insurance cost?

The cost of the insurance depends on many factors including age, coverage length, the limit of the plan, and deductibles. The plan offers three options for the limit of the plan: $50K, $100K, and $150K. The deductible options are $250, $500, and $1K. The higher the limit and the lower the deductible, the higher the premium will be. You can compare and get a quote on American Visitor insurance online by entering your details and choosing your plan options.

06. What is the advantage of buying INF Elite X Insurance?

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

07. Does INF Elite X Insurance cover covid illness?

INF Covid19 travel insurance by Elite 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.

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

INF Elite X 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.

09. 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.

10. Why to buy INF Elite X travel medical insurance for Pre-Existing Conditions?

INF Elite X travel medical insurance is designed for travelers with pre-existing conditions who need a higher level of coverage than what standard travel medical insurance provides. This plan offers comprehensive medical coverage, including coverage for pre-existing conditions, emergency medical evacuation, and emergency reunion. It also offers a high maximum benefit limit and a low deductible, making it an excellent choice for those with significant medical needs.

Additionally, INF Elite X offers coverage for acute onset of pre-existing conditions, making it a good option for travelers to the US who have pre-existing conditions but may experience sudden acute symptoms during their trip.

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INF Insurance related coverage

INF Elite Plus X insurance

Preventive careFull Pre-existing condition

  • Plan will pays 90% of eligible medical expenses.
  • This plan offers coverage for minimum of 90 days up to 364 days.
  • Covers Preventive & maintenance care and coverage for full body physicals.

INF Elite 90 X insurance

Comprehensive planFull Pre-existing condition

  • Plan will pays 90% of eligible medical expenses.
  • This plan offers coverage for minimum of 90 days up to 364 days.
  • This plan provides coverage for full pre-existing conditions up to 99 years of age.

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