INF Elite X Travel Insurance
Best comprehensive visitor insurance plan with full pre-existing condition coverage - for non-US residents visiting the USA, Canada, or Mexico. Ages 14 days to 99 years.
What is INF Elite X Insurance?
INF Elite X is a comprehensive travel medical insurance plan designed for non-U.S. residents up to age 99. It provides full coverage for pre-existing conditions and offers flexible protection for 90 to 364 days while traveling in the U.S., Canada, and Mexico.
Key Features:- Coverage for Full pre-existing conditions for travelers under the age of 99
- Great savings with United Healthcare PPO network
- Access to ID card and documents online after purchase
- 24/7 customer service and support available
Age 70-99 years: $75,000
Age 70-99 years: $250 to $5,000
Who Is INF Elite X Insurance Best Suited For?
Coverage available up to age 99 rare in visitor insurance with $75,000 max and reasonable deductible options.
New immigrants and visa holders who don't yet have U.S. health insurance but need immediate coverage.
Anyone with diabetes, heart conditions, or high blood pressure who needs more than "acute onset" coverage.
Visitors staying 3-12 months who need long-term, reliable health coverage without gaps or expiration concerns.
Those with chronic pre-existing conditions, stays longer than 12 months, or travelers who need trip cancellation coverage.
How Much Maximum Coverage Does INF Elite X Insurance Provide?
The policy maximum amount of coverage is the total dollar amount of benefits available under the INF Elite X plan. Once the maximum is reached, no additional benefits will be paid.
- check_circleAges 0-69 years: Available coverage options are $150,000 ,$250,000, $300,000, $500,000, $1,000,000
- check_circleAges 70-99 years: Coverage is limited to $75,000
What Is a Deductible in INF Elite X Insurance?
The deductible is the amount the insured must pay before Elite X insurance starts to cover expenses. INF Elite X insurance has deductible options of:
- check_circleAge 0 - 69: $100, $250, $500, $1,000, $2,500, or $5,000
- check_circleAge 70 - 99: $250, $500, $1,000, $2,500, $5,000
What Is Coinsurance in INF Elite X Insurance?
Coinsurance is the percentage of eligible expenses that the insurance pays after the deductible is met. INF Elite X insurance pays:
- check_circleIn PPO Network: 80% or 90% of charges up to the coverage
- check_circleOut PPO Network: 60% or 70% of the Usual and Customary charges
Who Is Eligible for INF Elite X Insurance Plan?
- check_circleAvailable for non-U.S. citizens and non-U.S. residents traveling to the USA, Canada, or Mexico.
- check_circleFor ages 14 days to 99 years.
- check_circleCoverage available from 90 to 364 days
- check_circleCoverage must be purchased before your departure from home.
How Much Does INF Elite X Insurance Cost in 2026?
The cost of Elite X insurance starts from $445 for a 3-month period, depending on the traveler's age, plan maximum, and deductible. Older travelers have higher premiums due to increased medical risk. Choosing a higher maximum increases the premium, while a higher deductible lowers it.
Below are 3-month (90-day) prices with a $250 deductible.
| Age of traveler | Max $150,000 | Max $250,000 | Max $300,000 | Max $500,000 | Max $1,000,000 |
|---|---|---|---|---|---|
| 18 - 29 years | $445 | $560 | $494 | $469 | $478 |
| 30 - 39 years | $539 | $678 | $600 | $568 | $579 |
| 40 - 49 years | $639 | $803 | $712 | $674 | $685 |
| 50 - 59 years | $941 | $1,186 | $1,057 | 994 | $1,011 |
| 60 - 69 years | $1,340 | $1,691 | $1,511 | $1,417 | $1,441 |
| 70 - 79 years | $3,238 for 90 days · Max $75,000 · Deductible $250 | ||||
| 80 – 99 years | $4,194 for 90 days · Max $75,000 · Deductible $250 | ||||
Source: American Visitor Insurance® | Prices verified for 2026 travel season.
Why Should I Buy INF Elite X Visitor Insurance?
- check_circleINF Elite X is a great option for visitors who want strong and reliable health coverage especially seniors and those with existing medical conditions traveling to the U.S., Canada, or Mexico. Here's why many people choose this plan:
- check_circleFull pre-existing conditions coverage Unlike most travel insurance plans that only cover acute onset, INF Elite offers full coverage for pre-existing medical conditions up to 99 years. This makes it ideal for travelers with chronic health concerns who need reliable protection while visiting the U.S.
- check_circleBest comprehensive coverage for seniors (Up to Age 99) INF Elite is one of the most comprehensive plans available, especially for elderly travelers and visiting parents. It covers individuals up to 99 years old with no age-based restrictions or complicated medical screening.
- check_circleCoinsurance After the deductible, INF Elite covers 80% of eligible medical expenses in-network and 60% out-of-network, helping to lower your overall costs while ensuring access to quality care.
- check_circleAccess to UnitedHealthcare PPO Network The plan gives you access to the UnitedHealthcare PPO network, one of the largest provider networks in the U.S. You get quality care at top hospitals and clinics along with significant savings through discounted, in-network rates—reducing out-of-pocket medical expenses.
- check_circleCoverage for Urinary Tract Infection (UTI) INF Elite includes coverage for common conditions such as urinary tract infections, providing up to $2,000 in benefits and additional peace of mind for travelers prone to such ailments.
- check_circleUrgent Care Benefits Includes access to urgent care services with a $25 copay in-network and $50 copay out-of-network, ensuring timely treatment for non-emergency conditions during your visit.
- check_circleEmergency medical support Covers emergency medical evacuation, repatriation of remains, ambulance services, and accidental death & dismemberment, giving families peace of mind.
- check_circleFlexible long-term coverage Choose coverage from 90 days up to 364 days, ideal for extended stays. You have the flexibility to match the policy duration with your travel schedule.
Does INF Elite X Provide Coverage for Pre-Existing Conditions?
INF Elite X is a great option for visitors who want strong and reliable health coverage especially seniors and those with existing medical conditions traveling to the U.S., Canada, or Mexico. Here's why many people choose this plan:
- check_circleFor applicants aged 0–69, pre-existing condition coverage can be as much as $50,000, with sub-limits applied to certain expenses (e.g., $15,000 for hospital/ICU room & board, $7,500 for hospital emergency, $500 for prescriptions).
- check_circleFor age 70 through 99, pre-existing conditions are paid up to $20,000, with a deductible of $1,500. (e.g., $15,000 for hospital/ICU room & board, $7,500 for hospital emergency, $500 for prescriptions).
Example: Let's say you have diabetes before you buy INF insurance. If you suddenly have a serious diabetic emergency while traveling like very high blood sugar that needs urgent hospital treatment . INF will cover that because it's a new medical emergency. But if you just need to see a doctor for a routine diabetes check-up or refill your insulin prescription, INF will not cover that, because it's ongoing treatment, not an emergency.
What Are the Benefits of INF Elite X Insurance?
| Hospital Room & Board | Covered |
| Intensive Care Unit | Covered |
| Surgery | Covered |
| Urgent Care Visits | In Network: Covered with $25 copay Out Network: Covered with $50 copay |
| Assistant 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 |
| Diagnostic X-rays & Lab Services (PET, CAT, and MRI scans) | Covered |
| Physiotherapy | $50 per visit up to a maximum of $500 |
| Chemotherapy and/or Radiation Therapy | Covered |
| Emergency Medical Treatment of Pregnancy | Covered |
| Dental Treatment injury to Sound, Natural teeth (Due to Accident) | Covered |
| Emergency Medical Evacuation | Up to $25,000 |
| Return of mortal remains or cremation/burial | Up to $20,000 |
| Pre-existing Conditions | Ages 0-69: Choose from maximum benefits of $25,000, $30,000, $40,000, or $50,000. Ages 70–99: Maximum benefit of $20,000. Deductible options: $1,500, $2,000, $2,500, $5,000, or $10,000. |
| Accidental Death and Dismemberment | $25,000 |
| 24/7 Travel Assistance Services | Included |
| Incurral Period | 90 days after the date of Injury/Sickness |
Note: INF Elite X insurance covers future medical emergencies only - not routine treatment or ongoing care for existing conditions.
What is the INF Elite X PPO Network?
A Preferred Provider Organization (PPO) is a network of highly qualified doctors, well-recognized hospitals, medical providers/facilities who are contracted by INF to offer services to insureds. This will help reduce the insured's out-of-pocket costs.
INF maintains when inside the U.S., the UnitedHealthCare options network which is a longstanding reputable tier one network that gives you more access to more doctors and services.
To find a network doctor, hospital, lab, or healthcare provider in your area, start by searching for those who are part of our network. These healthcare providers have agreed to charge lower prices, which can help reduce your overall healthcare costs. By selecting a provider within our network, you ensure that you are taking advantage of the cost savings associated with your health plan. Be sure to confirm that the provider is covered under your specific plan to maximize your benefits and minimize out-of-pocket expenses.
Why INF Elite X is the Top Choice for Pre-Existing Conditions?
INF Elite X is a top-rated visitor insurance plan designed specifically for travelers with pre-existing conditions. It covers both new illnesses and stable pre-existing conditions, offering comprehensive protection with no waiting period. The plan accepts travelers up to age 99 and provides higher policy maximums, making it suitable for seniors and families with ongoing health needs.
Benefits include emergency medical treatment, hospitalization, evacuation, repatriation, and even telemedicine services, ensuring care is accessible anytime during the trip. With direct billing through a large PPO network, no medical exams required, and flexible deductible options, INF Elite X delivers strong, reliable coverage for visitors seeking full peace of mind while staying in the U.S., Canada, or Mexico.
What Pre-Existing Conditions Does Elite X Visitors Medical Insurance Cover?
Elite X travel Insurance offers comprehensive coverage for several pre-existing conditions. Travelers looking for International visitors insurance for asthma, visitor medical insurance for diabetes, visitors health insurance for high blood pressure, comprehensive travel medical insurance for high cholesterol or travel health insurance for arthritis can rely on Elite X for complete protection. The plan provides full coverage for these conditions for travelers up to 99 years of age, ensuring peace of mind for those managing chronic health issues during international trips.
INF Elite X Visitor Insurance - FAQs
How Does Visitors Care Insurance Works?
INF Elite X is a comprehensive plan - after your deductible, the plan pays a percentage of your actual medical bill, up to your policy maximum. This is different from fixed-benefit plans that pay pre-set amounts per service.
Your policy covers sudden illnesses, accidental injuries, covid, and medical emergencies related to pre-existing conditions (including full coverage - not just acute onset). Routine and planned care is excluded.
Show your INF insurance ID card at a UnitedHealthcare PPO network to reduce out-of-pocket costs. Out-of-network providers are allowed but you pay upfront and claim reimbursement later.
Provider bills INF directly. You pay your deductible + 20% coinsurance of eligible charges up to your policy maximum.
Pay the full bill upfront, keep all itemised receipts, then submit a reimbursement claim. Plan pays 60% of usual & customary charges.
INF Elite X pays a percentage of your actual bill, not pre-set fixed amounts. After your deductible is met, the plan pays 80% in-network (60% out-of-network) of eligible charges. You pay the remaining 20%.
| Service | Hospital bills | Plan pays (80%) | You pay |
|---|---|---|---|
| ER visit | $2,800 | $2,240 | $560 |
| Hospital room (2 nights) | $9,000 | $7,200 | $1,800 |
| Surgery | $14,000 | $11,200 | $2,800 |
| Deductible (once per period) | — | — | $500 |
| Total | $25,800 | $20,640 | $5,660 |
Submit your claim documents to Robin Assist for reimbursement of all covered amounts. Keep every receipt, bill, and doctor's note - itemised documentation is required.
1. Log in to the INF Member Portal → Active Plans → File a Claim. Or download the claim form from the portal.
2. Attach all itemised bills, receipts, medical reports, and discharge summaries.
3. Mail or email to Robin Assist. Keep a copy of everything you send.
Phone: 888-207-1694
Email: claims@robinassist.com
Mail: Robin Assist, P.O. Box 211879, Dallas, TX 75211
Why Buy INF Elite X Through American Visitor Insurance?
- check_circleAmerican Visitor Insurance offers a simple and reliable way to choose the right medical insurance for tourists with confidence and purchase your plan online in minutes.
- check_circleEasy Plan Comparison and Purchase: Compare and buy INF Elite X Insurance plans, review coverage and deductible options, understand pre-existing condition limits, and securely purchase the right plan online in just minutes through American Visitor Insurance.
- check_circleSpecialists in Pre-Existing Condition Coverage: INF Elite X is one of the few visitor insurance plans that covers ongoing pre-existing conditions - not just acute onset emergencies. Our team understands INF Elite X inside out - sub-limits, waiting periods, and PPO network access so you choose the right plan with confidence.
- check_circleHelpful Resources for Better Decisions: We offer detailed FAQs, blog, and guides based on real customer questions. These resources are designed to help you clearly understand your options and choose the best plan for your specific travel needs.
- check_circleExperienced Customer Support: Our licensed support team has over 20 years of experience in the US visitors insurance industry. We assist customers in understanding INF Elite X's coinsurance structure, choosing the right deductible, and navigating the claims process with Robin Assist when needed.
- check_circleLicensed & Trusted Platform: American Visitor Insurance is a licensed US-based insurance platform (NJ License #1181604).
