INF Premier Plan Insurance

Ideal for Full Pre-Existing conditionsVisitors Worldwide Outside of USACovid-19 coverage

INF Premier Insurance

INF Premier Travel Insurance is a fixed 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 Premier Insurance

Fixed benefit plan

COVID-19 covered

Full Pre-existing conditions

PPO network

Urgent Care & Doctor Visit

Dental & Vision discount coverage

INF Premier Plan insurance reviews

Insurance provider
INF
INF Premier Plan rating
AM Best Rating: A
INF Premier Plan underwriter
Underwritten by Crum & Forster SPC
Plan life
364 days (Minimum Enrolment 90 days)
Policy maximum
  • Ages 0 to 69 years:$100k $150k $300k $500k 1M
  • Ages 70 to 99 years:$100k
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
Coinsurance of INF Premier Plan
In Network - The plan pays 100%
100%

INF Premier Plan Links

INF Premier Plan For Visitor Accident & Sickness Insurance

Pre-Existing Conditions is always a risky situation if you are not prepared for a medical emergency. The Premier plan offers two unique features:
  • The only Full Pre-Existing Insurance:-The Premier plan is the only short-term plan for Visitors which covers all pre-existing conditions.This means doctors appointments, blood tests & labs, specialist care, urgent care visits, & hospital stays are all covered for preexisting conditions.
  • The only Pre-Existing Insurance for Ages 70+ :- The Premier provides the only pre-existing short-term medical insurance for ages up to 99 years old.
  • Premier plan provides policy maximum $100k covers pre-existing condition maximum of $20k/$40k with deductible $1k/$5k, policy maximum $150k covers pre-existing condition maximum of $30k/$60k with deductible $1k/$5k and policy maximum $300k covers pre-existing condition maximum of $50k/$100k with deductible $1k/$5k, policy maximum $500k covers pre-existing condition maximum of $150k/$200k with deductible $1k/$5k for age 0 to 69 years and policy maximum $1M covers pre-existing condition maximum of $150k/$200k with deductible $1k/$5k for age 0 to 69 years.
  • For age 70 to 99 years for policy maximum $100,000 covers pre-existing condition maximum of $15k/$25k with deductible $1k/$5k.
Key Highlights of Visitors Care

INF Premier Plan insurance - Key Highlights

  • This fixed plan from INF provides full pre existing condition coverage which includes doctor appointments, blood tests, specialty care, urgent care visits and hospital stays
  • Coverage for Pre-Existing Conditions to $1M
  • Minimum purchase of 90 days is required with this plan
  • Plan covers pregnancy and childbirth if the plan is purchased before conception, before the trip begins
  • COVID-19 Medically Necessary Testing & Treatment covered as any other new sickness
  • Acute Onset treated like New Sickness
  • Urgent Care & Doctor Visit arranged by MeMD
  • Covers accident & sickness
  • Includes Dental & Vision Discount Coverage
  • VIP airport assistance
  • 3 free priority pass lounge visits
  • Covers age up to 99 Years. Pre-Existing Complications from COVID-19 Covered to Covers age up to 99 Years.
  • In-Patient, Out-Patient, Specialist Care Covered for Pre-Existing.
  • INF-Robin assist can make your appointments 24/7
  • Unlimited ($0 Copay) telehealth worldwide via doctor

INF Premier Plan Insurance Summary


Premier Plan 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 Premier 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.

Premium 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 Premier insurance for pre-existing conditions

What is covered by INF Premier Plan Insurance?

1. Worsening Pre-Existing Conditions
A worsening pre-existing condition is one that is otherwise stable but has become worse in a new manifestation.
2. Acute Onset of Pre-Existing Conditions
Sudden, Rapid, Unpredictable emergency related to pre-existing issue.
3. New Sickness & Accidents
  • New Illnesses include UTI or Kidney Issues, Fever, Headache, etc - Accidents are random in nature
  • COVID-19 is covered like a new sickness under INF.

What is not covered by INF Premier Plan Insurance:

1. Maintenance Treatment, Devices, or Prescription Drugs
Includes treatment for on-going illnesses, derivatives/ complications of that illness, medical devices to monitor chronic conditions, or maintenance drugs for pre-existing conditions like Lipitor or Amlodipine.
2. Preventative Treatment, Devices, or Prescription Drugs
INF will not cover preventive treatment like physicals, regular doctor checkups, or drugs that are used for prevention of other diseases.
3. Pregnancy & Childbirth
No coverage for pregnancy before the policy effective date.
4. Cancer Treatment
No coverage for cancer treatment, or cancer related illnesses in the policy.
5. Dialysis Treatment
No coverage for dialysis treatment.
6. Planned, expected, or anticipated medical care
There is no coverage for expected, planned, or anticipated medical care. If your clients are planning to take their visitor to any clinic, treatment, or anything of the like it will be rejected by the insurance company.
7. Medical Tourism
INF does not cover medical tourism for issues like elective or medically necessary surgery, cancer treatments, specialist treatment for on-going medical issues.

INF Visitor Medical Insurance plans are designed only to cover truly unexpected sickness and accidents- all other claims are at risk of being denied if they are deemed to meet any (but not limited to) of the above restrictions.

INF Visitor Medical Insurance plans will cover any unexpected sickness or accident, but any planned medical treatments, treatment for on-going issues, or maintainance treatment will not be covered by INF.

INF Premier Plan - Frequently asked questions

01. What is the advantage of buying Premier Plan Insurance?

Premier Plan Insurance Covid19 travel insurance by INF for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.

02. Does Premier Plan Insurance cover covid illness?

INF Covid19 travel insurance by Premier Plan travel insurance for the coverage will cover eligible medical expenses.

INF Insurance Plan - Frequently asked questions

01. Is there travel medical insurance for seniors over 70 from USA?

Yes, there are many travel insurance options for seniors over 70 from the USA. Many US travel insurance providers offer policies specifically designed for older travelers, and some policies may have no age limit for coverage. However, it is important to note that the cost of travel medical insurance for seniors is higher than for younger travelers due to increased health risks and the likelihood of pre-existing conditions. Additionally, coverage and benefits may vary depending on the policy, and it is important to carefully review policy terms and conditions to ensure that you get the coverage you need.

Some US insurance providers that offer travel medical insurance for seniors over 70 from the USA include Trawick International, Seven Corners, IMG and WorldTrips. It's recommended to research and compare different policies on American Visitor Insurance based on costs, benefits and coverage for pre-existing conditions to find the best traveller insurance and value for your needs.

02. What’s the most important insurance coverage for senior travelers?

The most important insurance coverage for senior travelers is extent of medical coverage. Seniors are more likely to have pre-existing medical conditions and may be at higher risk for medical emergencies while traveling, making it essential to have adequate medical coverage in case of illness or injury. Travel medical coverage can include coverage for hospitalization, emergency medical treatment, and medical evacuation if needed.

In addition to travel medical coverage, senior travelers may also want to consider trip cancellation and interruption coverage, which can help protect against financial loss if they need to cancel or cut short their trip due to unforeseen circumstances such as illness or weather-related events. There is the option available for US travelers to buy travel insurance with cancel for any reason, which gives full flexibility to cancel a trip.

Among other important insurance coverage for senior travelers is the coverage for lost or stolen luggage, travel delays or missed connections, and accidental death or dismemberment. Older travelers should compare different US travel insurance policies to find the best coverage and value for their individual needs on American Visitor Insurance.

03. Can I find cheap travel insurance for seniors over 70?

Yes, it is possible to find cheap travel insurance for seniors over 70. Many insurance providers offer specialized travel insurance plans that cater to the needs of older adults. By comparing quotes from different insurers and considering factors such as coverage options, deductibles, and pre-existing condition coverage, seniors can find affordable travel insurance that suits their specific requirements. It is advisable to shop around and explore various options to find the most cost-effective travel insurance policy for seniors over 70.

04. How can I compare different travel medical insurance for seniors over 70?

Older travelers can easily compare different travel insurance over 70 plans on American Visitor Insurance which allows you to compare features, benefits, and prices of different policies. Travelers can review travel insurance plans based on your specific needs and preferences. For example, if you are looking for visitor insurance which focuses on the health of the traveler, you can compare insurance based on the specific coverage for medical ailments, coverage for pre-existing conditions, the co-insurance and deductible for the insurance plan Some of the factors that you should consider while comparing visitor insurance health insurance for the traveler are:

  • The maximum medical coverage available for the age of the traveler
  • The cost of insurance and deductible and co-insurance expenses
  • The Preferred provider organisation (PPO) network of the insurance provider and user reviews
  • The coverage for pre-existing conditions and any exclusions and limitations of the policy
  • The customer assistance and emergency helpline of the insurer

05. How important is the visitors insurance for parents over 70?

Visitor health insurance which insures mainly the health of the traveler against accident or sickness when he/she is traveling overseas is very important since healthcare is very expensive, especially in the USA. Visitor health insurance is important even if you have health insurance in your home country which you believe will work in the US. The main reason for this is that US insurance providers negotiate with the healthcare providers in the US to get a better pricing for medical services, something that is not available to international insurance providers. This makes US healthcare very expensive even with travel medical insurance coverage which do not have negotiated rates with US healthcare providers.

Visitor insurance which focuses on insuring the travel expenses along with the health of the traveler is very important to protect travelers from unforeseen risks and emergencies that may occur during their trip. Travel insurance can provide coverage for various situations such as:

  • Medical expenses due to illness or injury
  • Trip cancellation or interruption due to unforeseen reasons
  • Loss or delay of baggage or personal belongings
  • Passport or travel document theft or loss
  • Emergency evacuation or repatriation
  • Legal liability or personal accident
  • Travel assistance and support

Having the best visitor insurance is really important given its relative cost to that of the trip and the cost of healthcare overseas. Visitor insurance can help you save money, time, and hassle in case something goes wrong during your trip. It can also give you peace of mind and confidence to enjoy your travel experience. Therefore, travel insurance is strongly recommended for travelers to travel safely and securely.

It is easy to find the best visitor insurance online by comparing several insurance options on American Visitor Insurance based on cost as well as coverage benefits offered.

06. How much is travel insurance for 70 year old cost?

The cost of travel health insurance which focuses on the health of the traveler depends on factors such as:

  • The age and health of the traveler (older the traveler, higher the cost)
  • The destination and duration of your trip (cost in US is most expensive)
  • The amount of medical maximum coverage chosen (higher the coverage, higher the cost)
  • The deductible and co-insurance of the insurance
  • Any add-on benefits (pre-existing conditions coverage etc.. cost more)
07. 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.

08. 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.

09. 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

10. 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.

11. 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.

12. 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.

13. 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.

14. 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.

15. 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.

16. What is the maximum length of coverage in INF insurance?

The maximum length of coverage for INF insurance is 364 days.

17. For which countries can I buy INF visitor insurance?

INF insurance is available for international visitors to the United States, Canada or Mexico.

18. 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.

19. 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.

20. 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.

21. 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.

22. 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'.

23. 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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Premier insurance Benefits

  • COVID-19/SARS-CoV-2 Coverage Premier Plus insurance Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
    Co-insurance 100% of the Usual and Customary Charges
    Urgent Care Visits Covered with $25 copay
    Hospital room and board Plan 100k: Charges up to $1,750 a day, to 30 days
    Plan 150k: Charges up to $1,900 a day, to 30 days
    Plan 300k: Charges up to o $3,000 a day, to 30 days
    Plan 500k: Charges up to $4,500 per day to a maximum of 30 days
    Plan 1000k:Charges up to $6,000 per day to a maximum of 30 days
    ICU Room & Board Charges Plan 100k: Up to an additional $750 per day to a maximum of 8 days
    Plan 150k: Up to an additional $850 per day to a maximum of 8 days
    Plan 300k: Up to an additional $1150 per day to a maximum of 8 days
    Plan 500k: Up to an additional $1300 per day to a maximum of 8 days
    Plan 1000k:Up to an additional $2000 per day to a maximum of 8 days
    Doctor Surgical Expenses Plan 100k: Up to $5,000
    Plan 150k: Up to $6k
    Plan 300k: Up to $8k
    Plan 500k: Up to $10k
    Plan 1000k:Up to $15k
    Anesthetics Plan 100k: Up to $1,250
    Plan 150k: Up to $1.5k
    Plan 300k: Up to $2.5k
    Plan 500k: Up to $3k
    Plan 1000k:Up to $5k
    Assistant Surgeon Expenses Plan 100k: Up to $1,250
    Plan 150k: Up to $1,500
    Plan 300k: Up to $2.5k
    Plan 500k: Up to $3k
    Plan 1000k:Up to $5k
    Doctor Non-Surgical Treatment/Examination Expenses Plan 100k: Up to $100 per visit 1 visit per day, up to a maximum of 30 visits
    Plan 150k: Up to $125 per visit 1 visit per day, up to a maximum of 30 visits
    Plan 300k: Up to $175 per visit 1 visit per day, up to a maximum of 30 visits
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    Plan 1000k: Up to $275 per visit 1 visit per day, up to a maximum of 30 visits
    Consultation visits when requested by doctor Plan 100k: Up to $450
    Plan 150k: Up to $500
    Plan 300k: Up to $800
    Plan 500k: Up to $1k
    Plan 1000k: Up to $3k
    Pre-admission tests within 14 days before Hospital Admission Plan 100k: Up to $1,100
    Plan 150k: Up to $1.2k
    Plan 300k: Up to $1.6k
    Plan 500k: Up to $2k
    Plan 1000k: Up to $1.5k
    Admission Plan 100k: Up to $1,100
    Plan 150k: Up to $1,200
    Plan 300k: Up to $1,600
    Plan 500k: Up to $2k
    Plan 1000k: Up to $3k
  • Surgical Room and Supply Expenses Plan 100k: Up to $1,100
    Plan 150k: Up to $1,200
    Plan 300k: Up to $1,800
    Plan 500k: Up to $2.5k
    Plan 1000k: Up to $3.5k
    Doctor Surgical Expenses Plan 100k: Up to $5k
    Plan 150k: Up to $6k
    Plan 300k: Up to $8k
    Plan 500k: Up to $10k
    Plan 1000k: Up to $15k/td>
    Anesthetics Plan 100k: Up to $1,250
    Plan 150k: Up to $1.5k
    Plan 300k: Up to $2.5k
    Plan 500k: Up to $3k
    Plan 1000k: Up to $5k
    Assistant Surgeon Expenses Plan 100k: Up to $1,250
    Plan 150k: Up to $1,500
    Plan 300k: Up to $2,500
    Plan 500k: Up to $3k
    Plan 1000k: Up to $5k
    Doctor Non-Surgical Treatment/Examination Expenses Plan 100k: Up to $100 per visit 1 visit per day, up to a maximum of 30 visits
    Plan 150k: Up to $125 per visit 1 visit per day, up to a maximum of 30 visits
    Plan 300k: Up to $175 per visit 1 visit per day, up to a maximum of 30 visits
    Plan 500k: Up to $225 per visit 1 visit per day, up to a maximum of 30 visits
    Plan 1000k: Up to $275 per visit 1 visit per day, up to a maximum of 30 visits
    X-rays, laboratory procedures Plan 100k: Up to $650
    Plan 150k: Up to $750
    Plan 300k: Up to $1150
    Plan 500k: Up to $1.5k
    Plan 1000k: Up to $2.5k
    CAT Scan, PET Scan or MRI Plan 100k: Up to an additional $650
    Plan 150k: Up to an additional $1k
    Plan 300k: Up to an additional $1.4k
    Plan 500k: Up to $1.5k
    Plan 1000k: Up to $2.5k
    Prescription Drug Expenses Plan 100k: Up to $150
    Plan 150k: Up to $200
    Plan 300k: Up to $300
    Plan 500k: Up to $500
    Plan 1000k: Up to $750
    Private Duty Nurse Plan 100k: Up to $500
    Plan 150k: Up to $550
    Plan 300k: Up to $550
    Physical and Occupational Therapy Plan 100k: Up to $45 per visit, 1 visit per day up to 12 visits maximum
    Plan 150k: Up to $50 per visit, 1 visit per day up to 12 visits maximum
    Plan 300k: Up to $100 per visit, 1 visit per day up to 12 visits maximum
    Plan 500k:Up to $125 per visit, 1 visit per day up to 12 visits maximum
    Plan 1000k: Up to $150 per visit, 1 visit per day up to 12 visits maximum
  • Emergency local ambulance Plan 100k: Up to $450
    Plan 150k: Up to $500
    Plan 300k: Up to $1k
    Plan 500k: Up to $1.5k
    Plan 1000k: Up to $2.5k
    Hospital emergency room Plan 100k: Up to $500
    Plan 150k: Up to $750
    Plan 300k: Up to $2.5k
    Plan 500k: Up to $3,500
    Plan 1000k: Up to $5k
    Rehabilitative braces or appliances Plan 100k: Up to $1,100
    Plan 150k: Up to $1,200
    Plan 300k: Up to $1,500
    Plan 500k: Up to $1.5k
    Plan 1000k: Up to $1.5k
  • Emergency dental treatment Plan 100k: Up to $500
    Plan 150k: Up to $550
    Plan 300k: Up to $550
    Plan 500k: Up to $550
    Plan 1000k:Up to $550
  • Emergency medical evacuation Plan 100k: Up to $20k
    Plan 150k: Up to $25k
    Plan 300k: Up to $45,000
    Plan 500k: Up to $65k0
    Plan 1000k:Up to $85k
    Return of mortal remains or cremation/burial Plan 100k: Up to $15,000
    Plan 150k: Up to $20k
    Plan 300k: Up to $30k
    Plan 500k: Up to $30k
    Plan 1000k:Up to $30k
    Trip Interruption Benefit $1k
  • Pre-Existing Condition Under age 70: Policy maximum $100,000 - Covers up to $20k/$40k maximum with deductible $1k/$5k and Policy maximum $150k - Covers up to $30k/$60k maximum with deductible $1k/$5k Policy maximum $300k Covers up to $50k/$100k with deductible $1k/$5k ,policy maximum $500k covers pre-existing condition maximum of $150k/$200k with deductible $1k/$5k for age 0 to 69 years and policy maximum $1M covers pre-existing condition maximum of $150k/$200k with deductible $1k/$5k for age 0 to 69 years.
    Age 70 to 99: Policy maximum $100k - Covers up to $15k/$25k pre-existing maximum with deductible $1k/$5k
  • Accidental death & dismemberment $25k principal sum, Not subject to deductible

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Pre-existing conditions travel insurance from Barbados to USA

Hi,

Hello we are looking for cover for my parents, can you help. I think the INF Premier would work well, but please let me know offering $100,000 plus the $25k pre-exisiting.Two people, aged 80. They are in Barbados at the moment, but UK citizens.They would like to travel to the USA and be there for about 6months, so say until 1 August to cover.

We would like to add the pre-existing conditions cover, at the $25,000 amount. Can you confirm if there are restrictions or rules on this that we need to look at?

We might want to travel back to Barbados, so I assume it should be the world including USA.

Can you help?

Regards,
Emily
Dear Emily,

The INF Premier is a fixed or limited plan. Please look over the brochure for details. The pre-existing condition coverage is covered like anything else but with a higher deductible and lower maximum as you note. To get $25,000 coverage for pre-existing conditions, you must choose the higher deductible of $5,000.

The INF plan covers only Mexico, USA, and Canada, not exactly worldwide coverage. (not Barbados).For all information about the plan, go here:
INF Premier Plan:

To compare all plans that have coverage for pre-existing conditions, you can use this link: Compare INF Full Pre-existing plans

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

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