Compare INF Elite X and Premier X Insurance - Which Travel Insurance Plan Is Better?
Compare INF Elite X and INF Premier X travel insurance plans with premiums starting from around $16 per day and policy maximum options ranging from $100,000 to $1,000,000. American Visitor Insurance makes it easy to compare coverage, deductibles, pre-existing condition benefits, and prices to find the right plan for your trip.
INF Elite X vs Premier X Insurance 2026 - Which Plan Is Best?
- When selecting visitor medical insurance for your loved ones especially parents or seniors visiting the U.S. It's important to understand the key differences between INF's Elite X and Premier X plans.
- INF Insurance is a trusted provider specializing in medical insurance for international visitors, particularly seniors and parents from countries like India, China, and Brazil. INF is well known for offering plans with comprehensive pre-existing condition coverage, flexible policy durations, and access to top-tier U.S. healthcare networks like UnitedHealthcare PPO.
- INF's Elite X and Premier X plans are top choices for visitors, each providing full coverage for pre-existing conditions up to age 99. The key difference lies in how their benefits are structured, giving travelers flexibility to choose based on health needs and budget. Compare both plans below on American Visitor Insurance and select the one that best fits your needs.
Compare INF Elite X vs INF Premier X Insurance
| Feature | INF Elite X | INF Premier X |
|---|---|---|
| Coverage Type | Comprehensive Plan | Fixed-Benefit Plan |
| Pre-existing Condition Coverage | Full coverage up to age 99 | Full coverage up to age 99 |
| Network Access | UnitedHealthcare PPO  |
UnitedHealthcare PPO |
| Policy Maximum Options | Age 0-69 years: $150,000, $250,000, $300,000, $500,000, $1,000,000 Age 70-99 years: $75,000 |
Age 0-69 years: $100,000, $150,000, $300,000, $500,000, $1,000,000 Age 70-99 years: $100,000 |
| Deductible Options | $100, $250, $500, $1,000, $2,500, or $5,000 | Age 0-69 years: $75, $100, $250, $500, $1,000, $2,500, or $5,000 Age 70-99: $250, $500, $1,000, $2,500, or $5,000 |
| Coinsurance | In-network: Plan pays 80% Out-of-network: Plan pays 60% |
100% of the Usual and Customary Charges |
| Urgent Care Visits | In-network: Up to $25 co-pay Out-of-network: Up to $50 co-pay |
Up to $25 co-pay |
| Emergency Medical Evacuation | Up to $25,000 | Up to $85,000 |
| Repatriation of Remains | Up to $10,000 | Up to $30,000 |
| Urinary Tract Infection | Covered up to $2,000 | Not Covered |
| Trip Interruption | Up to $1,000 | Up to $1,000 |
| Coverage Area | Including USA, Canada, and Mexico | Including USA, Canada, and Mexico |
| Period of Coverage | 90 days to 364 days | 90 days to 364 days |
INF Elite X Travel Insurance
- INF Elite X is ideal for visitors to the USA, Canada, or Mexico who need comprehensive coverage with 80% coinsurance, full pre-existing condition protection up to age 99, and access to the UnitedHealthcare PPO network.
- It's perfect for seniors and travelers seeking broad inpatient and outpatient benefits with flexible, high-limit coverage for longer stays.
This is one of the few plans that will cover any medical issue even if it is due to a pre-existing medical condition. When you purchase it, you choose a maximum and deductible for the general policy AND a separate maximum and deductible to be applied to any pre-existing condition. Also, if the pre-existing condition is very stable (no change in medication for past two years and no flare ups), then the insured will be covered under the general terms of the policy (with the high maximum and deductible chosen).
It is very costly. It is an 80/20 plan; meaning that after the deductible, the insured pays 20% and the insurance company covers 80% without a cap. There may not be a lot of deductible/maximum options for pre-existing condition coverage especially for older individuals (options depend on age).
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.
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.
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.
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.
Covers emergency medical evacuation, repatriation of remains, ambulance services, and accidental death & dismemberment, giving families peace of mind.
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.
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.
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.
INF Elite insurance does not require any medical exam for purchase, making it easy to buy online for parents from India or other countries.
INF Premier X Travel Insurance
INF Premier X is ideal for visitors to the USA, Canada, or Mexico who want fixed-benefit coverage with full pre-existing condition protection up to age 99. It's perfect for travelers seeking fixed, budget-friendly benefits with access to the UnitedHealthcare PPO network and reliable inpatient and outpatient coverage for short to mid-length stays.
INF Premier X is one of the few plans that will cover any medical issue even if it is due to a pre-existing medical condition. When you purchase it, you choose a maximum and deductible for the general policy AND a separate maximum and deductible to be applied to any pre-existing condition. Also, if the pre-existing condition is very stable (no change in medication for past two years and no flare ups), then the insured will be covered under the general terms of the policy (with the high maximum and deductible chosen).
This is very costly, especially for a fixed plan. There may not be a lot of deductible/maximum options for pre-existing condition coverage especially for older individuals (options depend on age).
Unlike most travel insurance plans that only cover acute onset, INF Premier X insurance 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.
Unlike comprehensive plans, Premier X pays a set amount per service or procedure, giving you clear, predictable benefits that make budgeting easier.
The plan provides access to the UnitedHealthcare PPO network, one of the largest provider networks in the U.S., helping you get quality care at top hospitals and clinics with discounted, in-network rates.
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.
INF Premier X pays 100% of Usual, Customary, and Reasonable (UCR) charges, up to the fixed dollar limits listed in the schedule of benefits.
INF Premier X covers urgent care visits with a $25 copay, making it an affordable option for quick treatment of minor illnesses or injuries during your trip.
INF Premier X provides coverage for emergency medical evacuation up to $85,000 and repatriation of remains up to $30,000, offering essential protection during unexpected medical situations.
INF Premier X insurance does not require any medical exam for purchase, making it easy to buy online for parents from India or other countries.
Does INF Elite X and Premier X plans provide pre-existing condition coverage?
Yes, both INF Elite X and Premier X plans offer full coverage for pre-existing medical conditions up to age 99. This makes them ideal choices for seniors and travelers with existing health concerns who need reliable protection while visiting the U.S., Canada, or Mexico.
INF Elite Travel Insurance Pre-Existing Condition Coverage
INF Elite travel insurance offers full coverage for pre-existing conditions, not just acute onset, making it an excellent choice for elderly visitors and travelers with ongoing or chronic health issues.
- Ages 0-69: Choose from maximum benefits of $25,000, $30,000, $40,000, or $50,000, with deductible options ranging from $1,500 to $10,000. Includes $15,000 for Hospital/ICU, hospital miscellaneous, and surgeries; $7,500 for emergency services; $5,000 for assistant surgeon; and $500 for prescriptions.
- Ages 70-99: Coverage for pre-existing conditions up to $20,000 with a $1,500 deductible.
INF Premier X Travel Insurance Pre-Existing Condition Coverage
INF Premier travel insurance offers full coverage for pre-existing conditions, not just acute onset, making it an excellent choice for elderly visitors and travelers with ongoing or chronic health issues.
Age 0 -69 years:
For travelers aged 0 to 69 years, Premier X offers two deductible options for pre-existing condition coverage:
Option 1 · $1,000 Deductible
Option 2 · $5,000 Deductible
Age 70 - 99 years:
For travelers aged 70 to 99 years, Premier X offers two deductible options for pre-existing condition coverage:
Option 1 · $1,000 Deductible
Option 2 · $5,000 Deductible
What Is the Price Difference Between INF Elite X and Premier X Plans?
INF Premier X travel insurance cost starts at around $209, while INF Elite X cost starts at around $445 for eligible travelers. The cost varies based on the traveler's age, coverage limit, deductible, and policy duration. Compare both plans to find the best value for your travel and medical needs.
Elite X PricingBelow 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 | ||||
| Age of traveler | $100,000 | $150,000 | $300,000 | $500,000 | $1,000,000 |
|---|---|---|---|---|---|
| 18 – 29 years | $209 | $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 | $1,560 | Not available | |||
Source: American Visitor Insurance® | Prices verified for 2026 travel season.
Steps to Purchase INF Insurance
Visit the Website
Select Your Plan
For INF Elite X, go to the INF Elite X page. For INF Premier X, visit the Premier X page.
Get a Quote
Enter your travel dates, age, and destination to receive a personalized quote.
Review Plan Details
Carefully review benefits, coverage limits, and exclusions to ensure it meets your needs.
Purchase the Plan
Proceed to purchase online. Multiple secure payment options are available for your convenience.
INF Elite X vs Premier X - Frequently Asked Questions
Confused Between Elite X and Premier X? Here's a Quick Comparison
Trying to choose the right INF plan? Compare Elite X and Premier X belowBoth Elite X and Premier X are top choices under the INF insurance, offering full pre-existing condition coverage up to age 99. The right plan depends on your visitor’s health needs, budget, and expected medical care during their trip. You can explore and purchase these plans through American Visitor Insurance.
Choose Elite X if…
- You want comprehensive, percentage-based coverage (80% in-network) after the deductible.
- You need full pre-existing condition coverage, including urinary tract infections (up to $2,000).
- You’re willing to pay a higher premium for stronger, more flexible protection.
Choose Premier X if…
- You prefer a fixed benefit plan with clear, predictable payouts for each covered service.
- You want full pre-existing condition coverage with a more budget-friendly premium.
- You prefer affordable protection with essential benefits.
INF Visitor Insurance Plans Covering Pre-Existing Medical Conditions For Travel To The USA?
Hi,
I am traveling to the USA and have pre-existing medical conditions. What INF visitor insurance plans are available that cover medical emergencies related to pre-existing conditions?
Thank you,
Koen
Dear Koen,
Thank you for contacting about your insurance needs! Remember that visitor plans are only for unexpected medical problems while a person is traveling outside their home country. They do not cover regular, required treatment or medications. The plans in this email will cover emergencies whether they are due to a pre-existing condition or not. If a condition is very stable (past 24 months there have been no change in medications or flare ups), then the coverage is the normal maximum and deductible you chose. If there has been some change or flare up recently, then the coverage is limited to the "pre-existing" maximum and a higher deductible (you can choose it for some policies).
The first plan is a fixed plan offered by INF. If you are charged more than what they pay, then you must pay the difference. However, the plan is available for persons ages 90+ up to a maximum of $100,000 with a deductible of $250 or $500. It includes $20,000 for emergency medical evacuation and uses the Firth Health Network. However, the plan is good at any doctor or hospital. The plan also covers COVID-19 as any other illness (unless you are already sick). The plan offers coverage in the US, Canada, and Mexico. This plan must be purchased for at least 90 days the first time it is purchased and then can be renewed for whole months after that.
This plan will cost $1,560 for 90 days of coverage with a $100,000 maximum and a $250 deductible.
For all information about the plan, go here:
INF Premier X:The one more option below is comprehensive plan which offer better, more complete coverage.
INF Elite offered by INF is another good option to have coverage for pre-existing medical conditions. This plan is an 80/20 plan (they cover 80% after the deductible). The pre-existing conditions are subject to a higher deductible and lower maximum. There is also an INF Elite 90 plan which is a 90/10 plan available that is more expensive.
This plan will cost $4,194 for 90 days with a $75,000 maximum and a $250 deductible.
To see the information on the plan, use this link:
INF Elite X:If you have any further questions or concerns, please do not hesitate to contact us.
Sincerely,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
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