INF Insurance, INF visitor health insurance reviews

Answer these questions to find the best insurance plan for your needs (International travelers, students, all US visa’s and Schengen visa).
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Schengen Visa

Does the traveler need Schengen Visa Insurance or Long term Europe Visa insurance?

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What is the Visa of the traveler?

Visa

What is the Visa of the traveler?

medical

Does the traveler have any pre-existing medical conditions?

Type of Insurance

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About INF

INF

For over 30 years, INF travel medical insurance has provided award winning visitors insurance options to millions of travelers to the United States. KV Rao visitor insurance is committed to providing innovative insurance products, quality customer care, and being there for our members when they need us the most. INF medical insurance offers coverage for Pre-Existing Visitor Accident & Sickness Insurance on the market-providing the coverage necessary for many travelers visiting their families in the United States or Canada. You can travel with confidence when you have the INF travel health insurance coverage you want, and the peace of mind you need.

INF insurance does not cover medical tourism

INF insurance will not cover visitors to US if they are already sick, if a traveller is already in the hospital, expecting to use the insurance, if travelers have scheduled medical procedures, or if travelers are seeking on-going treatment. If a visitor proceeds to do any of the preceding, it may result in the cancellation of coverage, full refund of the amount paid, and all claims denied.
INF has a 5 day waiting period for new sickness / pre-existing coverage if the traveler has already arrived in the United States.
INF Visitors medical insurance for Coronavirus

Review INF Covid19 insurance that covers coronavirus

Best INF covid travel insurance
for visitors to USA and International travelers

INF travel insurance plans, INF visitor insurance reviews

Ideal for: For any international travelers visiting the United States, Mexico and Canada.
Purpose: INF visitor health insurance offer coverage for pre-existing conditions, medical expenses , loss of checked luggage, medical emergencies and accidents incurred while traveling.

INF Covid19 travel insurance will cover eligible medical expenses resulting from COVID-19.

Travel plans
Elite Plans
Elite Network plan is available for Non-US Citizens visiting the United States.
Underwriter: Crum & Forster SPC.
Traveler USA
Traveler USA plan is available for Non-US Citizens visiting the United States.
Underwriter: Crum & Forster SPC.
Premier
Premier plan is available for Non-US citizens visiting the United States.
Underwriter: Crum & Forster SPC.
Standard
Standard plan is available for Non-US Citizens visiting the United States.
Underwriter: Crum & Forster SPC.

Compare INF Pre-existing Plans

Compare INF Travel Insurance Plans

Frequently asked questions about INF travel insurance coverage for Covid19

Now that the CDC announced that the world is at a level 3 travel advisory, is there any coverage for your policies for COVID19?

There is no change in the coverage.

Will these policies be voided given that travelers are basically stuck wherever they are and there is no place "better" to travel to?

If they are currently enrolled, the policy will not be voided. If they are enrolling after the arrival date (most common situation now) they may go through special underwriting.

Will policies already purchased before March 27th where travelers where NOT in level 3 areas already have "normal" coverage for all illnesses except covid19 or will covid19 be covered for them?

INF plans cover covid19 like a new sickness, subject to the terms and conditions of the policy. This is not a guarantee of benefits, however, as each claim is evaluated individually.

Will you be issuing new policies since the CDC announcement?

Currently, we will continue to support our customers and allow new enrollments in INF Standard and INF Traveler USA and others case by case.

Many people are currently stuck in countries with their other policies running out and non-renewable. Can they purchase the your policies ?

Yes, they can enroll in the INF policies.

Will you continue to allow pre-existing condition coverage during the month of April for the "marooned" travelers?

As of now, the pre-existing coverage will remain intact. For new enrollments, they may undergo special underwriting.

Will these policies cover any other illness, injury or accident as long as the person does not travel?

Yes, the plan will cover eligible sickness and accidents.

Can they travel (say from US to Canada and back)?

If they are a Non-US Citizen or Non-US Resident, yes they will be able to

Will they cover covid19 if they stay in one country or if they travel or not at all?

INF plans cover covid19 like a new sickness, subject to the terms and conditions of the policy. This is not a guarantee of benefits, however, as each claim is evaluated individually. Additionally, we do not cover anyone who is already sick or showing symptoms, or plans to see a physician in the immediate future. As you know, the situation is developing day by day and is constantly changing. If the Travellers are interested in enrolling, we advise them to enroll right away.

What happens if I catch covid19 on the flight to the USA?

INF travel insurance that covers coronavirus will treat it as a new sickness, even if you are infected on the airplane.

But what about contact tracing? Won't the insurance company deny the claim knowing I was in contact with someone infected?

We cannot prove that you were infected with covid19 by simply being in contact with someone who had / has it. This has no effect on the coronavirus travel insurance. We will cover covid19 like any other new sickness.

What happens if I am asymptomatic (i.e. testing done before the trip shows positive) and still decide to travel?

Being tested is a service, if we determine a related service was done 12 months prior to the effective date, the condition would be considered Pre-Existing

What if I catch covid19 in the airport on the way to the US?

We would still cover coronavirus like a new sickness. There is no incubation period exclusion clause in our policy. covid19 is covered just as if you catch the flu. Both testing & treatment are covered.

Will INF travel insurance cover Coronavirus even though it's declared a pandemic & there are travel advisories out by my government about non-essential travel?

Yes, INF will cover covid19 like any other sickness. We do not have a pandemic or travel advisory exclusion clause in our policy.

If I am already sick with covid19, will INF travel health insurance coronavirus cover my medical expenses?

No, INF will not pay out any benefits if you are already showing symptoms of covid19 before you enroll in the policy.

Are antibody tests & covid19 tests covered by INF?

Antibody test prescriptions can be obtained via INF's telemedicine program for $0 (free). covid19 tests and prescriptions are covered. In both cases, you must be showing symptoms and tests should be prescribed by a physician (medically necessary) to be covered.

INF Visitor medical insurance for pre-existing conditions

What is covered by INF Visitor Medical 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 Visitor Medical 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 Coronavirus travel insurance coverage for covid-19

INF travel insurance offers coverage for coronavirus as any other new sickness. It is available for Non-US citizens or residents travelling to the US, Canada and Mexico.

INF PREMIER PLAN:
  • COVID-19 medically necessary testing & treatment covered as any other new sickness
  • Pre-Existing Complications from COVID-19 Covered
INF ELITE:
  • COVID-19 medically necessary testing & treatment covered as any other new sickness
  • Pre-Existing Complications from COVID-19 Covered
INF TRAVELER USA:
  • COVID-19 medically necessary testing & treatment covered 100% as any other new sickness with no cost sharing
INF STANDARD:
  • COVID-19 medically necessary testing & treatment covered as any other new sickness.

INF Travel insurance for Covid19

At American Visitor Insurance, we are committed to getting you the best travel insurance coverage for Covid19 as any other new sickness. INF offers travel insurance plans for coverage in the USA, Canada and Mexico. INF Insurance: offers two fixed benefit plans namely INF premier insurance and INF standard insurance and two comprehensive benefit plans namely INF Elite Network Insurance and INF traveler USA plans covers pre-existing complications from COVID-19. Please know we are here to help you make the best, informed decision to get coverage even for COVID-19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

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Visitors Insurance for travelers - Forum

group

Insurance for visitor to USA for more than 3 months

Hi,
I would like to insurance for USA which offers coverage for 4 months and covers pre-existing conditions.
Thank you,
Jack

Dear Jack,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!. If your visitor will be staying for three months or longer, you may want to consider a plan we are offering called Elite plan from INF. It will cover 80% of expenses including many unexpected medical issues due to pre-existing conditions. The coverage is NOT limited to "acute onset" of pre-existing conditions.

The look-back period for the plan is only 90 days which means you have a much better chance of having pre-existing medical conditions covered, especially if they are stable for your. The plan has a $75,000 maximum for persons over 69 years and $150,000 for persons under 70 with a $250 or $500 deductible (same for pre-existing condition coverage). It is an 80/20 plan covering 80% while you pay 20% of expenses.

For all information about the plan, go here:

This is a very unique plan offering "full" coverage for pre-existing conditions with such a short look back period for those conditions. Please note that the plan does NOT cover routine, necessary treatment for a pre-existing conditions. The coverage is for any issue arising, not just "acute" (or something that must be treated right away) issues.

Another option is the same coverage for pre-existing conditions from a fixed plan. A fixed plan will pay a limited amount for each medical expense (it may not cover 100%), please see brochure for details.

The plan is called INF Premier. Like the Elite plan above coverage is available up to $150,000 for persons under 70 years and $100,000 for those 70 to 99 years of age. Persons under 70 years can choose between a $250 or $75 deductible, with other clients choices of $250 or $500 deductible.

With the Premier plan, you must choose the deductible for the pre-existing condition coverage and that determines the maximum coverage for acute onset of pre-existing conditions (the higher the deductible, the higher the maximum you are allowed). For all information about the plan, go here:

Buy Now
You can compare the plans here : Compare INF pre-existing conditions coverage plans

Let us know if you have any further questions or concerns about this or other plans you may find on our website.

Sincerely,
www.americanvisitorinsurance.com
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