Compare Best INF Elite insurance cost
If you’re visiting the U.S., having the right travel medical insurance is essential, especially if you have pre-existing conditions. INF Elite plans provide comprehensive coverage for accidents, new illnesses, and pre-existing conditions, with flexible policy maximums, deductible options, and access to the UnitedHealthcare PPO network. You can compare benefits between the Elite, Elite Plus, and Elite 90 plans which are available on American Visitor Insurance. The minimum enrollment period for these plans is 90 days.
- INF Elite x insurance is a comprehensive visitor insurance with full pre-existing condition coverage, protection for accidents and new illnesses, and 80% coverage of eligible in-network expenses.
- Coinsurance: 80% in-network, 60% out-of-network (after deductible)
- Pre-existing Conditions: Cover full pre-existing conditions up to 99 years
- Preventive Care: Not included
- Urinary tract infection: Covers up to $2,000
- Best For: Visitors seeking solid coverage for pre-existing conditions without the need for routine checkups or wellness visits. It’s a more cost-effective option with slightly lower in-network coverage.
- PPO Network:
United healthcare
Policy maximum?
Ages 0–69: $150,000, $250,000, $300,000, $500,000, $1,000,000.
Ages 70–99: $75,000Deductible options?
$100, $250, $500, $1,000, $2,500, or $5,000Maximum age limit?
Up to 99 years
- INF Elite Plus insurance is ideal for those who want not only emergency and hospital care but also routine doctor visits, preventive services, wellness benefits, and full pre-existing condition coverage. This plan goes beyond traditional visitor coverage by including check-ups and maintenance care.
- Coinsurance: 90% in-network, 60% out-of-network
- Pre-existing Conditions: Cover full pre-existing conditions up to 99 years
- Covers Preventive and Maintenance Care and coverage for full body physicals.
- Annual wellness benefit covered up to $200
- Urinary tract infection: Covers up to $2,000
- PPO Network: United healthcare
- Best For: Older travelers or long-stay visitors who want access to both chronic illness care and routine preventive services. This plan offers more comprehensive care, even beyond urgent needs.
Policy maximum?
Ages 0–69: $150,000, $250,000, $300,000
Ages 70–99: $75,000Deductible options?
$100, $250, $500, $1,000, $2,500, or $5,000Maximum age limit?
Up to 99 years
- INF Elite 90 insurance is a balanced option that combines the core benefits of Elite with a higher coinsurance share in PPO networks, making it a smart choice for travelers who expect frequent medical care during their stay.
- Coinsurance: 90% in-network, 60% out-of-network
- Pre-existing Conditions: Cover full pre-existing conditions up to 99 years
- Preventive Care: Not included
- Urinary tract infection: Covers up to $2,000
- Best For: Travelers who want higher coinsurance (90%) than Elite X, but don’t require preventive services. It's essentially an upgraded version of Elite X with better cost-sharing.
- PPO Network: United healthcare
Policy maximum?
Ages 0–69: $150,000, $250,000, $300,000, $500,000, $1,000,000.
Ages 70–99: $75,000Deductible options?
$100, $250, $500, $1,000, $2,500, or $5,000Maximum age limit?
Up to 99 years
All three plans provide excellent coverage, especially for pre-existing medical conditions. Choose:
- Elite X for strong, affordable coverage
- Elite Plus for full care including preventive services
- Elite 90 X for better cost-sharing but no wellness features
⚖️ Quick Comparison: Which INF Elite plan is right for you?
INF offers three Elite travel insurance plans, each designed to meet different traveler needs. This quick comparison highlights the key differences so you can easily decide which plan fits your health and travel requirements.
| Feature | INF Elite insurance | INF Elite 90 insurance | INF Elite Plus insurance |
|---|---|---|---|
| Policy Maximum | Up to $1,000,000 (ages 0-69) $75,000 (ages 70-99) |
Up to $1,000,000 (ages 0–69) $75,000 (ages 70–99) |
Up to $250,000 (ages 0–69) $75,000 (ages 70–99) |
| Deductible | 100, $250, $500, $1,000, $2,500, $5,000 | 100, $250, $500, $1,000, $2,500, $5,000 | $500, $1,000, $5,000 |
| Pre-Existing Condition Coverage | Full coverage (limits by age & deductible) | Full coverage (limits by age & deductible) | Full coverage (limits by age & deductible) |
| Coinsurance (In-Network) | 80% of eligible expenses | 90% of eligible expenses | 90% of eligible expenses |
| Preventive Care | Not covered | Not covered | Covered (check-ups, routine visits) |
| Vaccinations (TDAP, Flu, etc.) | Not covered | Not covered | Covered |
| VIP Add-ons | Not covered | Not covered | Airport Assistance, Lounge Visits, SmartDelay (as add-ons) |
| Wellness Annual Visit | Not covered | Not covered | Up to $200 |
| Urinary tract infection | Up to $2,000 | Up to $2,000 | Up to $2,000 |
| Emergency medical evacuation | Up to $25,000 | Up to $25,000 | Up to $25,000 |
| Return of mortal remains | Up to $10,000 | Up to $10,000 | Up to $10,000 |
| Key feature | Comprehensive visitor insurance with full pre-existing coverage, accidents & illnesses, 80% in-network | Flexible plan with full pre-existing, higher 90% in-network coverage, ideal for frequent medical needs. | Excellent plan with full pre-existing, preventive care, wellness visits & check-ups, 90% in-network. |
| Period of coverage | 90 days to 364 days | 90 days to 364 days | 90 days to 364 days |
🛩️ Do all INF Elite plans cover pre-existing conditions, and how do I choose between Elite, Elite Plus, and Elite 90?
Yes, all three plans Elite, Elite Plus, and Elite 90 offer coverage for pre-existing conditions. The main differences are in policy maximums, deductible options, and length of coverage. You can select the plan based on your coverage needs, trip duration, and budget.
| Plan | Age Group | Coverage Limit for Pre-Existing Conditions | Prex-Deductible |
|---|---|---|---|
| INF Elite / Elite 90 | 0 - 69 years | $25,000, $30,000, $40,000, $50,000 | $1,500, $2,000, $2,500, $5,000, $10,000 |
| INF Elite Plus | 0 - 69 years | $25,000 | $1,500 |
| All Plans | 70 – 99 years | $20,000 | $1,500 |
✅ What makes INF Elite X a good choice for travelers with pre-existing medical conditions?
INF Elite X travel insurance is one of the few travel insurance plans in the U.S. market that provides full coverage not just acute onset for pre-existing medical conditions, making it especially valuable for elderly visitors and those with chronic health issues.
- Full Pre-Existing Condition Coverage: It covers worsening of existing conditions, chronic illnesses, and complications—something most visitor insurance plans exclude
- Wide Age Eligibility: Available to travelers aged 18 to 99 years, making it suitable for senior parents or grandparents visiting the U.S.
- UnitedHealthcare PPO Network: Access to a large national PPO network ensures better-quality care and reduced out-of-pocket costs.
- Flexible Coverage Limits: Policy maximums range up to $1,000,000 for younger travelers, and up to $75,000 for older age groups.
- Good for Longer Stays: Can be purchased for durations from 90 to 364 days, offering peace of mind for long-term visitors.
In summary, INF Elite X visitor insurance is ideal for travelers who need dependable medical coverage for existing health conditions, without worrying about exclusions or medical emergencies being denied due to past diagnoses.
💰 What is the cost difference between Elite, Elite Plus, and Elite 90 plans?
The INF Elite insurance cost starts at $884 for a 50-year-old traveler with a 3-month duration on American Visitor Insurance. Premiums vary depending on age, coverage limit, deductible, and pre-existing condition coverage.
- Ages 50–60: The cost is based on $150,000 coverage with a $500 deductible for a 3-month duration
- Ages 70 and above: The cost is based on $75,000 maximum coverage with a $500 deductible for a 3-month duration and is higher due to increased age risk.
The table below provides detailed premiums by age group to help travelers select the right INF Elite plan based on their coverage needs, age, and budget.
❓ INF Visitor Insurance - FAQ’s
All three plans Elite, Elite 90, and Elite Plus have a minimum purchase of 90 days. Elite 90 is specifically designed for travelers seeking short-term coverage and is often the most flexible option for shorter stays.
Yes, all three plans offer coverage for full pre-existing conditions up to 99 years
Yes, all three plans Elite, Elite 90, and Elite Plus provide in-network access through the UnitedHealthcare PPO network, allowing for direct billing and helping reduce out-of-pocket costs.
Elite 90 is designed for short-term travelers who need coverage for a minimum of 90 days and want full coverage for new medical conditions, pre-existing conditions, and up to 90% of covered expenses
Yes, Elite Plus includes an annual preventive care and wellness benefit, covering routine check-ups, screenings, and wellness visits, helping travelers maintain their health while abroad.
Yes, all three Elite plans Elite, Elite 90, and Elite Plus cover treatment for common medical conditions, including urinary tract infections (UTIs), with coverage up to $2,000, subject to the plan’s overall coverage limits and deductible.
You can compare benefits side by side and purchase INF Elite X, Elite 90, and Elite Plus plans directly through American Visitor Insurance. The website provides detailed plan comparisons, pricing, and enrollment options for travelers. American Visitor Insurance has developed easy-to-use comparison tools and offers detailed FAQs to help travelers compare prices and benefits of different INF travel insurance plans, making it simple to choose the best plan for your needs. Their licensed customer support staff are available at all times to answer questions, assist with the online application process, help cancel policies if required, and even guide you through the claims process should you need to use the INF insurance coverage while in the USA.
INF Elite Travel Insurance Plans – Summary & Recommendations
This page compares INF Elite, Elite Plus, and Elite 90 travel insurance plans for visitors to the U.S., Canada, and Mexico. It highlights coverage limits, deductibles, pre-existing condition coverage, wellness and preventive care benefits, and emergency medical services. All three plans require a minimum 90-day enrollment and provide access to the UnitedHealthcare PPO network for direct billing, helping travelers reduce out-of-pocket costs. By choosing to buy the INF Elite travel insurance on American Visitor Insurance, travelers can easily find the best Elite plan that fits their needs and budget.
Plan Recommendations :
- Elite : The Elite plan is ideal for travelers seeking an affordable option with standard coverage for accidents, illnesses, and pre-existing conditions, covering up to 80% of eligible expenses.
- Elite 90 : The Elite 90 plan is designed for short-term travelers, offering up to 90% of eligible expenses with full pre-existing condition coverage, making it a mid-range option in terms of cost
- Elite Plus : The Elite Plus plan provides the highest coverage limits and additional benefits, including preventive care, wellness, and maintenance services, while also covering up to 90% of eligible expenses, making it ideal for longer stays or higher-risk travelers.
