Which INF Plan Is Best - Elite X vs Premier X Insurance?
- 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.
- Among their most popular offerings are the Elite X and Premier X plans. Both provide full coverage for pre-existing conditions up to age 99, but they differ in how benefits are structured:
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 |
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.
✅ Why Choose Elite X visitor insurance?
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:
❤️ Full 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.
👵 Best 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.
🌐 Access 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.
📅 Flexible 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.
🚑 Emergency medical support
Covers emergency medical evacuation, repatriation of remains, ambulance services, and accidental death & dismemberment, giving families peace of mind.
⚖️ Coinsurance
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.
🧪 Coverage 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.
🏥 Urgent 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.
✅ No medical check-up required
INF Elite insurance does not require any medical exam for purchase, making it easy to buy online for parents from India or other countries.
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.
Why Choose Premier X Visitor Insurance?
INF Premier X is a good choice for visitors who want fixed-benefit coverage with full protection for pre-existing conditions, especially seniors and those traveling to the U.S., Canada, or Mexico. Here’s why many people choose this plan:
🧳 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
- $100,000 policy maximum comes with a $20,000 maximum benefit for pre-existing conditions.
- $150,000 policy maximum comes with a $30,000 maximum benefit.
- $300,000 policy maximum comes with a $50,000 maximum benefit.
- $500,000 and $1,000,000 policy maximums come with a $150,000 maximum benefit.
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Option 2: $5,000 Deductible
- $100,000 policy maximum comes with a $40,000 maximum benefit for pre-existing conditions.
- $150,000 policy maximum comes with a $60,000 maximum benefit.
- $300,000 policy maximum comes with a $100,000 maximum benefit.
- $500,000 and $1,000,000 policy maximums come with a $200,000 maximum benefit.
👉 This means if you select a higher deductible ($5,000), you get higher coverage limits for pre-existing conditions. The coverage maximum depends on the overall policy maximum you choose.
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
- Covers up to $15,000 for pre-existing conditions.
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Option 2: $5,000 Deductible
- Covers up to $25,000 for pre-existing conditions.
👉 This means that if you choose the higher deductible option, you get a higher coverage limit for pre-existing conditions, providing flexibility based on your needs and budget.
What Is the Price Difference Between INF Elite X and Premier X Plans?
You can compare cost for both INF Elite X and Premier X plans.
| Age of traveler | Medical Maximum | |||||
|---|---|---|---|---|---|---|
| $150,000 | $250,000 | $300,000 | $500,000 | |||
| 18 - 29 years | $455 | $572 | $504 | $480 | ||
| 30 - 39 years | $550 | $693 | $613 | $581 | ||
| 40 - 49 years | $653 | $821 | $728 | $689 | ||
| 50 - 59 years | $962 | $1,212 | $1,080 | $1,016 | ||
| 60 - 69 years | $1,369 | $1,728 | $1,544 | $1,448 | ||
👉 For ages 80 – 99 years the cost is $4,194 per 3 months with medical maximum of $75,000 with deductible $250.
| Age of traveler | Medical Maximum | |||||
|---|---|---|---|---|---|---|
| $100,000 | $150,000 | $300,000 | $500,000 | |||
| 18 – 29 years | $215 | $262 | $305 | $323 | ||
| 30 – 39 years | $253 | $307 | $358 | $379 | ||
| 40 – 49 years | $280 | $340 | $397 | $422 | ||
| 50 – 59 years | $370 | $450 | $528 | $558 | ||
| 60 – 69 years | $397 | $483 | $567 | $601 | ||
| 70 – 79 years | $1,230 | Not available | ||||
| 80 – 89 years | $1,606 | Not available | ||||
| 90 – 99 years | $1,606 | Not available | ||||
🛒 Steps to Purchase INF Insurance
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1
🌐 Visit the Website
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2
📋 Select Your Plan
For INF Elite X, go to the INF Elite X page.
For INF Premier X, visit the Premier X page. -
3
🔍 Get a Quote
Enter your travel dates, age, and destination to receive a personalized quote.
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4
🧾 Review Plan Details
Carefully review benefits, coverage limits, and exclusions to ensure it meets your needs.
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5
💳 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
1. What is the main difference between INF Elite X and Premier X?
2. Do both INF Elite X and Premier X plans cover pre-existing conditions?
Yes, both the INF Elite X and Premier X plans offer full pre-existing condition coverage up to age 99, but coverage limits vary by age and deductible.
3. Can seniors up to 99 years old purchase the INF Elite X and Premier X plans?
Yes, both the INF Elite X and Premier X plans cover seniors up to 99 years old, making them ideal for elderly visitors.
4. Is preventive care included in both INF Elite X and Premier X plans?
No, preventive care is not included in the INF Elite X plan. If you want preventive and maintenance care benefits, you should consider the Premier Plus X or Elite Plus X plans, which offer these additional services.
5. What coinsurance do the INF Elite X and Premier X plans offer?
The INF Elite X plan covers 80% of eligible medical expenses in-network and 60% out-of-network after the deductible. The INF Premier X plan provides fixed benefits with 100% coverage of usual and customary charges for covered services.
6. Can I choose different deductible amounts with the INF Elite X and Premier X plans?
Yes, both the INF Elite X and Premier X plans offer a range of deductible options, typically from $100 up to $5,000, depending on your coverage needs.
7. Do the INF Elite X and Premier X plans provide access to the UnitedHealthcare PPO network?
Yes, both the INF Elite X and Premier X plans provide access to the UnitedHealthcare PPO network, offering discounted rates at many providers.
8. Can I purchase the INF Elite X and Premier X plans after arriving in the U.S.?
Yes, both the INF Elite X and Premier X plans allow purchase after arrival with no additional forms required.
9. Where can I purchase INF Elite X and Premier X insurance plans?
You can purchase the INF Elite X and Premier X insurance plans directly from American Visitor Insurance. The website allows you to get quotes, compare plans, and securely buy coverage online for your visit to the U.S., Canada, or Mexico.
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.
| Choose Elite X if… | Choose Premier X if… |
|---|---|
| You want comprehensive, percentage-based coverage (80% in-network) after the deductible | You prefer a fixed benefit plan with clear, predictable payouts for each covered service |
| You need full pre-existing condition coverage, including urinary tract infections (up to $2,000) | You want full pre-existing condition coverage with a more budget-friendly premium |
| You’re willing to pay a higher premium for stronger, more flexible protection | You prefer affordable protection with essential benefits |
