📌 What is INF Premier X Insurance?
Ideal for international travelers visiting the U.S., Canada, or Mexico, Starting at just $7.16/day
INF Premier X is a fixed-benefit 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
- Specialist visits direct billing via INF-Robin assist
- Access to ID card and documents online after purchase
- 24/7 customer service and support available
After buying the plan, travelers can get all the plan documents and id card through INF Premier X login. At American Visitor Insurance, US Travelers can contact the INF Premier X customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!
⭐ INF Premier X Insurance Reviews
🧾 How Much Maximum Coverage Does INF Premier X Insurance Provide?
The policy maximum amount of coverage is the total dollar amount of benefits available under the INF Premier X plan. Once the maximum is reached, no additional benefits will be paid.
- Ages 0–69: Available coverage options are $100,000, $150,000, $300,000, $500,000 and $1,000,000.
- Ages 70–99: Coverage is limited to $100,000.
📉 What Is a Deductible in INF Premier X Insurance?
The deductible is the amount the insured must pay before Patriot medical insurance starts to cover expenses.
INF Premier X insurance has deductible options of : Age 0 – 69 : $75, $100, $250, $500, $1,000, $2,500, or $5,000
Age 70 - 99 : $250, $500, $1,000, $2,500, or $5,000
💰 What Is Coinsurance in INF Premier X Insurance?
Coinsurance is the percentage of eligible expenses that the insurance pays after the deductible is met. INF Premier X insurance pays:
- In PPO Network: 100% coverage
- Outside PPO Network: 80% up to $1,000, then 100% up to policy maximim
❓ Why Should I Buy INF Premier X Insurance?
INF Premier X is an excellent choice for non-U.S. residents, including elderly travelers up to age 99, who need affordable and reliable protection during their stay in the U.S., Canada, or Mexico. Unlike many visitor insurance plans, INF Premier X offers full coverage for pre-existing conditions, flexible terms ranging from 90 to 364 days, and 24/7 support. With benefits starting at just $7.16 per day, it combines affordability with peace of mind, making it especially valuable for travelers with ongoing health concerns or long-term stays.
- Full Pre-Existing Condition Coverage: One of the few visitor insurance plans that covers pre-existing conditions up to age 99 with no waiting period. Perfect for elderly parents or travelers with chronic conditions like diabetes, hypertension, thyroid disorders, or heart disease.
- Strong PPO Network: Access to UnitedHealthcare’s nationwide PPO network for high-quality care and reduced out-of-pocket expenses.
- Affordable Urgent Care: Just $25 in-network urgent care copay with guaranteed cashless billing through INF-Robin Assist.
- Specialist & Telehealth Access: Direct billing for specialist visits and unlimited $0 copay telehealth consultations via Doctor Please.
- Emergency medical support : Covers emergency medical evacuation, repatriation of remains, ambulance services, and accidental death & dismemberment, giving families peace of mind.
- No medical check-up required : INF Premier does not require any medical exam for purchase, making it easy to buy online
- Coverage for all ages up to 99 : Whether your parents are 60 or 99, INF Premier accepts travelers up to age 99, which is ideal for older visitors.
👤 Who Is Eligible for INF Premier X Insurance Plan?
- Available for non-U.S. residents traveling internationally, including to the United States, Canada, Europe, the UK, and Australia.
- For ages 14 days to 99 years.
- Coverage available from 90 to 364 days.
- Coverage must be purchased before your departure from home.
- Eligible for Green Card holders as long as they reside outside the US.
- if a Green Card holder is already in the US, they need to obtain prior health insurance information, if applicable.
❤️ Why INF Premier X is the Top Choice for Pre-Existing Conditions?
INF Premier X is one of the best visitor insurance plans for travelers with pre-existing conditions. It provides full coverage for stable pre-existing conditions with no waiting period and accepts travelers up to age 99, making it ideal for elderly visitors with chronic health issues. The plan also includes emergency medical care, evacuation, and telehealth services, even for conditions related to pre-existing health concerns. With no medical exams required and affordable premiums, INF Premier X offers peace of mind and reliable protection for long-term stays in the U.S., Canada, or Mexico.
💰 How Much Does INF Premier X Insurance Cost?
The Premier X insurance cost per 3 months is starting at just $211 to $1,576 for 3 months, based on:
- Traveler’s age
- Selected policy maximum
- Deductible amount
Older travelers have higher premiums due to increased medical risk. Choosing a higher maximum increases the premium, while a higher deductible lowers it.
- Ages 0–69: $100,000, $150,000, $300,000, $500,000 and $1,000,000
- Ages 70-99: $100,000
Example: Below is the monthly cost of INF Premier X insurance of coverage with a $250 deductible, provided by American Visitor Insurance.
| Age of traveler | Medical Maximum | |||||
|---|---|---|---|---|---|---|
| $100,000 | $150,000 | $300,000 | $500,000 | $1,000,000 | ||
| 18 – 29 years | $211 | $256 | $308 | $327 | $332 | |
| 30 – 39 years | $248 | $302 | $362 | $383 | $389 | |
| 40 – 49 years | $275 | $333 | $402 | $426 | $432 | |
| 50 – 59 years | $363 | $442 | $534 | $565 | $574 | |
| 60 – 69 years | $389 | $475 | $573 | $607 | $616 | |
| 70 – 79 years | $1,208 | Not available | ||||
| 80 – 89 years | $1,576 | Not available | ||||
| 90 – 99 years | $1,576 | Not available | ||||
🩺 What Is Pre-Existing Condition?
Pre-existing Condition means an illness, disease, or other condition of the Covered Person that in the 12-month period before the Covered Person’s coverage became effective under the Policy:
- first manifested itself, worsened, became acute, or exhibited symptoms that would have caused a person to seek diagnosis, care, or treatment
- Required taking prescribed drugs or medicines, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription
- Treated by a Doctor or treatment had been recommended by a Doctor
👨⚕️ Does INF Premier X Insurance Covers Pre-Existing Conditions?
Yes, INF Premier X Insurance includes full pre-existing condition coverage, giving you comprehensive protection from day one for ongoing, chronic, and stable health conditions. Unlike most visitor insurance plans that only cover the acute onset of a pre-existing issue, INF Premier X covers doctor visits, hospital stays, and eligible treatments for your existing medical conditions with no waiting period.
✅ What Are The Benefits of INF Premier X Visitor Insurance?
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Total Maximum Benefit $100,000 $150,000 $300,000 $500,000 $1,000,000 Hospital room and board help Charges up to $1,750 a day, to 30 days Charges up to $1,900 a day, to 30 days Charges up to $3,000 a day, to 30 days Charges up to $4,500 per day to a maximum of 30 days Charges up to $6,000 per day to a maximum of 30 days ICU Room & Board Charges help Up to an additional $750 per day to a maximum of 8 days Up to an additional $850 per day to a maximum of 8 days Up to an additional $1150 per day to a maximum of 8 days Up to an additional $1300 per day to a maximum of 8 days Up to an additional $2000 per day to a maximum of 8 days Doctor Surgical Expenses Up to $5,000 Up to $6,000 Up to $8,000 Up to $10,000 Up to $15,000 Urgent Care Visits Covered with $25 copay Anesthetics Up to $1,250 Up to $1,500 Up to $2,500 Up to $3,000 Up to $5,000 Assistant Surgeon Expenses Up to $1,250 Up to $1,500 Up to $2,500 Up to $3,000 Up to $5,000 Doctor Non-Surgical Treatment/Examination Expenses Up to $100 per visit 1 visit per day, up to a maximum of 30 visits Up to $125 per visit 1 visit per day, up to a maximum of 30 visits Up to $175 per visit 1 visit per day, up to a maximum of 30 visits Up to $225 per visit 1 visit per day, up to a maximum of 30 visits Up to $275 per visit 1 visit per day, up to a maximum of 30 visits Consultation visits when requested by doctor Up to $450 Up to $500 Up to $800 Up to $1,000 Up to $1,500 Pre-admission tests within 14 days before Hospital Admission Up to $1,100 Up to $1,200 Up to $1,600 Up to $2,000 Up to $3,000 Surgical Room and Supply Expenses Up to $1,100 Up to $1,200 Up to $1,800 Up to $2,500 Up to $3,500 X-rays, laboratory procedures Up to $650 Up to $750 Up to $1,150 Up to $1,500 Up to $2,500 CAT Scan, PET Scan or MRI Up to an additional $650 Up to an additional $1,000 Up to an additional $1,400 Up to an additional $1,500 Up to an additional $2,500 Prescription Drug Expenses Up to $150 Up to $200 Up to $300 Up to $500 Up to $750 Private Duty Nurse Up to $500 Up to $550 Up to $550 Physical and Occupational Therapy Up to $45 per visit, 1 visit per day up to 12 visits maximum Up to $50 per visit, 1 visit per day up to 12 visits maximum Up to $100 per visit, 1 visit per day up to 12 visits maximum Up to $125 per visit, 1 visit per day up to 12 visits maximum Up to $150 per visit, 1 visit per day up to 12 visits maximum Emergency local ambulance help Up to $450 Up to $500 Up to $1,000 Up to $1,500 Up to $2,500 Hospital emergency room help Up to $500 Up to $750 Up to $2,500 Up to $3,500 Up to $5,000 Rehabilitative braces or appliances Up to $1,100 Up to $1,200 Up to $1,500 Up to $1,500 Up to $1,500 Emergency dental treatment help Covered up to $500 Covered up to $550 Covered up to $550 Covered up to $550 Covered up to $550 -
Accidental Death and Dismemberment help $25,000 Trip Interruption Benefit $1,000 24/7 Travel Assistance Services Included
🧾 What Are The Inclusions And Exclusions of INF Premier X Insurance?
What is covered by INF Premier X insurance?
1. Worsening Pre-Existing ConditionsA 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 X plan?
1. Maintenance Treatment, Devices, or Prescription DrugsIncludes 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.
🏥 What Is The INF Premier X Insurance 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’re 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.
local_hospital Find PPO Network Providers »❓Do You Have Questions?
Our support team is ready to assist you.
❓ INF Premier X visitor Insurance – FAQ’s
INF Premier X is a comprehensive visitor medical insurance plan designed for non-U.S. citizens and residents of other countries visiting the United States, particularly those with pre-existing medical conditions. It is best suited for senior travelers, such as parents traveling to the USA, who require strong medical coverage while abroad.
Yes, the plan is renewable up to 364 days. You can renew coverage if your travel dates get delayed, provided you make the request prior to the expiration of the current policy.
No. One of the biggest advantages of INF Premier X is that it has no waiting period for pre-existing condition coverage. The benefits begin immediately from the policy’s effective date.
Yes, COVID-19 is included as a new disease under the INF Premier X policy, provided under the terms and conditions of the policy and the limits. Travellers who are infected with COVID-19 while abroad will be covered under medical benefits in the same way as any other new disease.
Claims can be made through INF-Robin Assist, which offers 24/7 assistance to policyholders. They also assist with coordinating direct billing with network hospitals and clinics, simplifying the process for the traveler.
INF Premier X is available to non-U.S. residents traveling to the U.S., Canada, or Mexico. It is not available for U.S. residents.
Unlike most plans, INF Premier X offers full coverage for pre-existing conditions up to age 99, along with access to UnitedHealthcare’s PPO network and guaranteed cashless billing through INF-Robin Assist.
Coverage is available for a minimum of 90 days and can be extended up to 364 days.
Yes. The plan offers unlimited $0 copay telehealth visits worldwide through Doctor Please.
No. Enrollment is simple and requires no medical check-up.
INF Premier X accepts travelers of all ages up to 99, making it ideal for elderly parents and seniors.
Yes. The plan covers emergency medical evacuation, repatriation of remains, ambulance services, and AD&D (Accidental Death & Dismemberment).
Yes. INF Premier X can be purchased even after arrival in the U.S., but coverage will only begin after the policy start date you select.
Yes. Coverage can be extended up to 364 days, as long as you remain eligible.
You can purchase the plan from trusted platforms like American Visitor Insurance, which also helps with renewals, claim support, and plan comparisons.
👤 What Is The Best Travel Insurance for Pre-Existing Conditions for a Traveler from Barbados To USA?
Hello we are looking for cover for my parents, can you help. I think the INF Premier X 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,
Liberty
The INF Premier X 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 X Plan:
We wish you and yours safe and happy travels!
Thanks,
Customer support,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910
📝 How Do I File a Claim With INF Premier X Insurance?
To file a claim with Premier X, follow these steps:
Download Form
Get claim form online
Call Support
888-207-1694
Submit Documents
Robin Assist, P.O. Box 211879, Dallas, TX 75211.
Email Help
claims@robinassist.com
🧾 Summary for INF Premier X Insurance
INF Premier X Insurance offers reliable fixed-benefit travel medical coverage for non-U.S. residents visiting the USA or traveling worldwide, with the following key benefits:
- INF Premier X insurance cost starting at just $168 for a 90-day policy (premium varies by age and coverage length)
- Full pre-existing condition coverage for all ages, up to defined benefit limits
- Coinsurance the plan pays 100% up to usual and customary charges
- Designed for international visitors, including parents, relatives, and long-term travelers to the USA
- Fixed benefit coverage for new illnesses, injuries, and medical emergencies
- Includes hospitalization, doctor visits, prescription drugs, and urgent care services
- Emergency medical evacuation and repatriation of remains included
- Coverage available from 90 days up to 365 days – ideal for extended stays
- Access to the UnitedHealthcare PPO network in the USA for quality care and cashless billing
- Available for ages 0 to 99 years
- Simple, upfront benefit limits for easy claim understanding
- Underwritten by Crum & Forster and administered by INF Plans in partnership with trusted U.S. networks
