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INF Premier vs INF Elite Pre-existing Conditions Visitor Insurance Plans for Coronavirus

best travel insurance price
The Premier Plan is the only fixed benefit (Scheduled benefits) plan with full pre-existing coverage and the Elite Network Plan is the only comprehensive visitor medical insurance plan with full pre-existing coverage. There is no look back period for INF Premier and INF Elite visitors insurance plans.


Compare INF Covid Pre-existing Condition Travel Insurance Plans

Age
Spouse
Start Date
End Date
Coverage Region
Citizenship
INF Premier
Plan Maximum
Deductible
Pre-existing Ded
INF Elite
Plan Maximum
Deductible
Pre-existing Coverage: Included
Plan Type
Fixed Benefit Plan Comprehensive Plan
Length of Coverage
Minimum: 90 days
Maximum: 365 days
Minimum: 90 days
Maximum: 365 days
Eligibility
- It is available for travelers not yet arrived in the US
  Brochure & Details links
  Coronavirus coverage
Coronavirus or covid19 is covered by INF Premier insurance and INF Elite Insurance
  Underwriter
Premier Plan Insurance Underwriter
Underwritten by ACE American Insurance Company, a member of the Chubb Group of Companies.
Elite Network Plan Insurance Underwriter
Underwritten by ACE American Insurance Company, a member of the Chubb Group of Companies.
  Rating
Premier Plan Insurance Rating
AM Best Rating: A++
Elite Network Plan Insurance Rating
AM Best Rating: A++
  Plan maximum
Age 0 to 69: $100,000, $150,000
Age 70 to 99: $100,000
Age 0 to 69: $150,000
Age 70 to 99: $75,000
  Pre-existing Condition
Under age 70:Policy maximum $100,000 Covers up to $20,000/$40,000 maximum with deductible $1,000/$5,000 and Policy maximum $150,000 Covers up to $30,000/$60,000 maximum with deductible $1,000/$5,000.
Age 70 to 99: Policy maximum $100,000 Covers up to $30,000/$60,000 pre-existing maximum with deductible $1,000/$5,000.
Under age 70: Policy maximum $150,000 Covers up to $25,000 maximum with deductible $1,500.
Age 70 to 99: Policy maximum $75,000 Covers up to $20,000 maximum with deductible $1,500.
  Hospital Room & Board, and Miscellaneous
Plan 100k: Charges up to $1,750 a day, to 30 days
Plan 150k: Charges up to $1,900 a day, to 30 days
80% of Covered Network Charges up to the Overall Maximum Benefit
  Hospital Intensive Care Unit
Plan 100k: Charges up to $750 maximum additional a day, to 8 days
Plan 150k: Charges up to $850 maximum additional a day, to 8 days
80% of Covered Network Charges up to the Overall Maximum Benefit
  Surgeon
Plan 100k: Charges up to $5,000 maximum
Plan 150k: Charges up to $6,000 maximum
80% of Covered Network Charges up to the Overall Maximum Benefit
  Ambulance Services
Plan 100k: Charges up to $450 maximum
Plan 150k: Charges up to $500 maximum
80% of Covered Network Charges up to the Overall Maximum Benefit
  Dental Injury Treatment
Plan 100k: Charges up to $500 maximum. There are no benefits for dental services for immediate relief of pain.
Plan 150k: Charges up to $550 maximum. There are no benefits for dental services for immediate relief of pain.
80% of Covered Network Charges up to the Overall Maximum Benefit
 Emergency Medical Evacuation
Plan 100k: Up to $20,000 maximum
Plan 150k: Up to $25,000 maximum
Up to $25,000 maximum
 Repatriation of Remains
Plan 100k: $15,000 maximum
Plan 150k: $20,000 maximum
Up to $20,000 maximum
 Accidental Death & Dismemberment
Plan 100k: $25,000 maximum
Plan 150k: $25,000 maximum
Up to $25,000 maximum
 Anesthetist
Plan 100k: Charges up to $1,250 maximum
Plan 150k: Charges up to $1,500 maximum
80% of Covered Network Charges up to the Overall Maximum Benefit
 Private Duty Nurse
Plan 100k: Charges up to $500 maximum
Plan 150k: Charges up to $550 maximum
80% of Covered Network Charges up to the Overall Maximum Benefit
 Pregnancy & Childbirth
Plan 100k: Charges up to $5,000 maximum
Plan 150k: Charges up to $5,500 maximum
(Conception must occur after Trip begins)
Emergency Medical Treatment of Pregnancy: 80% of Covered Network Charges up to the Overall Maximum Benefit

INF best health insurance for visitors to USA with pre-existing conditions

Please explain the difference between full coverage for pre-existing conditions and coverage for acute onset of pre-existing conditions by INF US visitor insurance.
Most of the US visitors insurance plans provide coverage for "Acute Onset of Pre-Existing Conditions". This basically provides coverage in the event of an existing medical ailment becoming life threatening and needing emergency medical care. This coverage will usually have exclusions for coverage of gradual or slow worsening of the existing ailment.
INF is one of the few companies which offers USA travel insurance plans for visitors to the US with full coverage for pre-existing ailments. INF offers best travel insurance for pre existing medical conditions with full Pre-Existing conditions coverage. This means INF visitors insurance with pre-existing conditions coverage insures any in-patient, out-patient, urgent care, specialist, doctor visits, anything related to pre-existing conditions. The INF plans treat the pre-existing conditions like any new sicknesses. Prescription Medications are also covered when prescribed for a recent medical incident caused by a pre-existing condition. However, maintenance medications like Lipitor are not covered under this plan. This also means INF will not have exclusions that are typical in 'acute onset of pre-existing conditions'. Some of the common pre-existing condition exclusions are:
  • A limit on the coverage for certain adverse medical events like a myocardial infraction, heart attack or other Cardiac events.
  • A limit on the number of occurrences within the insured period.
  • Explicit exclusions for certain ailments like Urinary Tract infections, Kidney infections or Bladder infections.
This also explains why 'Full pre-existing conditions coverage' is more expensive than coverage only for 'acute onset of pre-existing conditions'. However, please note the INF does not support medical tourism, where patients buy this insurance simply to get medical treatment for an existing ailment.

Why are INF Full travel insurance pre existing conditions plans more expensive than other travel insurance covering pre existing conditions?
The Full pre-existing conditions coverage plans treat any issue related to a pre-existing condition like a New Accident and Sickness, subject to the policy maximum and deductible limits. This explains why 'Full pre-existing conditions visitor insurance coverage' plans are more expensive than coverage only for 'acute onset of pre-existing conditions'.

Does INF travel insurance really offer coverage for all preexisting conditions?
In short the answer is Yes. INF insurance will cover any pre-existing conditions ranging from blood pressure, diabetes, to kidney complications and arthritis. All of these issues are all covered by the INF Premier & INF Elite Network best travel insurance for pre existing conditions..

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