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Compare INF Travel Insurance Plans

Compare travel insurance benefits offered by INF Premier, INF Safe Traveler USA, INF Elite Plan and INF Standard plans.
The Premier Plan is the only fixed benefit (Scheduled benefits) plan with full pre-existing coverage and the Elite Plan is the only comprehensive visitor medical insurance plan with full pre-existing coverage.

How much does INF visitors medical insurance cost?

Compare INF Travel Insurance for USA

INF Premier Plan Maximum : $100,000, $150,000, $300,000, $500,000, $1000,000 Deductible : $75, $100, $250, $500, $1000, $2500, $5000 Buy Now	INF Safe Travels USA Plan Maximum : $150,000, $250,000, $300,000 Deductible : $50, $100, $250, $500, $1000, $2500, $5000 Buy Now	INF Elite Plan Maximum : $150,000, $250,000, $300,000, $500,000, $1000,000 Deductible : $100, $250, $500, $1000, $2500, $5000 Buy Now	INF Standard Plan Maximum : $150,000, $250,000, $300,000 Deductible : $50, $100, $250, $500, $1000, $2500, $5000 Buy Now
Plan Type
Minimum: 90 days Maximum: 365 days	Minimum: 30 days Maximum: 365 days	Minimum: 90 days Maximum: 365 days	Minimum: 30 days Maximum: 365 days
Length of Coverage
Fixed Benefit Plan	Comprehensive Plan	Comprehensive Plan	Fixed Benefit Plan
Plan maximum
Age 0 to 69: $100,000; $150,000; $300,000 Age 70 to 99: $100,000	Age 0 to 69: $150,000; $250,000; $300,000 Age 70 to 99: $75,000	Age 0 to 69: $150,000; $250,000; $300,000 Age 70 to 99: $75,000	Age 0 to 69: 50,000; $100,000; $150,000 Age 0 to 99: $50,000, $100,000
Medical Benefits
Hospital room and board help
Plan 100k: Charges up to $1,750 a day, to 30 days Plan 150k: Charges up to $1,900 a day, to 30 days Plan 300k: Charges up to o $3,000 a day, to 30 days Plan 500k: Charges up to $4,500 per day to a maximum of 30 days Plan 1000k:Charges up to $6,000 per day to a maximum of 30 days	Covered	Covered	Plan 50k: Charges up to $1,300 a day maximum Up to 30 days Plan 100k: Charges up to $1,750 a day maximum Up to 30 days Plan 150k: Charges up to $1,900 a day maximum Up to 30 days
Intensive care unit help
Plan 100k: Up to an additional $750 per day to a maximum of 8 days Plan 150k: Up to an additional $850 per day to a maximum of 8 days Plan 300k: Up to an additional $1150 per day to a maximum of 8 days Plan 500k: Up to an additional $1300 per day to a maximum of 8 days Plan 1000k:Up to an additional $2000 per day to a maximum of 8 days	Covered	Covered	Plan 50k: Charges up to $525 maximum additional a day \| Up to 8 Days Plan 100k: Charges up to $750 maximum additional a day \| Up to 8 Days Plan 150k: Charges up to $850 maximum additional a day \| Up to 8 Days
Surgeon (In-Patient/Out-Patient) help
Plan 100k: Up to $1,250 Plan 150k: Up to $1,500 Plan 300k: Up to $2,500 Plan 500k: Up to $3000 Plan 1000k:Up to $5,000	Covered	Covered	Plan 50k: Up to $3,000 maximum Plan 100k: Up to $5,000 maximum Plan 150k: Up to $6,000 maximum
Diagnostic X-Ray (Out-Patient)
Plan 100k: Up to $100 per visit 1 visit per day, up to a maximum of 30 visits Plan 150k: Up to $125 per visit 1 visit per day, up to a maximum of 30 visits Plan 300k: Up to $175 per visit 1 visit per day, up to a maximum of 30 visits Plan 500k: Up to $225 per visit 1 visit per day, up to a maximum of 30 visits Plan 1000k:Up to $275 per visit 1 visit per day, up to a maximum of 30 visits	Covered	Covered	Plan 50k: Charges up to $400 maximum Plan 100k: Charges up to $650 maximum Plan 150k: Charges up to $750 maximum
CAT/PET/MRI Scan (Out-Patient)
Plan 100k: Up to an additional $650 Plan 150k: Up to an additional $1,000 Plan 300k: Up to an additional $1,400 Plan 500k: Up to $1,500 Plan 1000k:Up to $2,500	Covered	Covered	Plan 50k: Up to $400 additional Plan 100k: Up to $650 additional Plan 150k: Up to $1,000 additional
Prescription Drugs and Medications help
Plan 100k: Up to $150 Plan 150k: Up to $200 Plan 300k: Up to $300 Plan 500k: Up to $500 Plan 1000k:Up to $750	Covered	Covered	Not Covered
Physical & Occupational Therapy
Plan 100k: Up to $45 a visit max, 1 visit a day to 12 visits Plan 150k: Up to $50 a visit max, 1 visit a day to 12 visits Plan 300k: Charges up to $100 a visit maximum, 1 visit per day to 12 visits Plan 500k: Up to $125 per visit, 1 visit per day up to 12 visits maximum Plan 1000k:Up to $150 per visit, 1 visit per day up to 12 visits maximum	$50 per visit up to a maximum of $500	$50 per visit up to a maximum of $500	Plan 50k: Up to $35 a visit max, 1 Visit a day to 12 visits Plan 100k: Up to $45 a visit max, 1 Visit a day to 12 visits Plan 150k: Up to $50 a visit max, 1 Visit a day to 12 visits
Surgical Room & Supply Expenses (Out-Patient)
Plan 100k: Up to $1,100 maximum Plan 150k: Up to $1,200 maximum Plan 300k: Up to $1,800 maximum Plan 500k:Up to $2,500 Plan 1000k:Up to $3,500	Covered	Covered	Plan 50k: Charges up to $1,000 maximum Plan 100k: Charges up to $1,100 maximum Plan 150k: Charges up to $1,200 maximum
Assistant Surgeon (In-Patient/Out-Patient)
Plan 100k: Up to $1,250 maximum Plan 150k: Up to $1,500 maximum Plan 300k: Up to $2,500 maximum Plan 500k: Up to $500 Plan 1000k:Up to $750 Plan 500k: Up to $3000 Plan 1000k: Up to $5,000	Covered	Covered	Plan 50k: Charges up to $750 maximum Plan 100k: Charges up to $1,250 maximum Plan 150k: Charges up to $1,500 maximum
Doctors Non-Surgical Visit(In-Patient/Out-Patient)
Plan 100k: Up to $100 maximum a visit, 1 visit a day, to 30 visits Plan 150k: Up to $125 maximum a visit, 1 visit a day, to 30 visits Plan 300k: Up to $175 maximum a visit, 1 visit a day, to 30 visits Plan 500k: Up to $225 per visit 1 visit per day, up to a maximum of 30 visits Plan 1000k:Up to $275 per visit 1 visit per day, up to a maximum of 30 visits	Covered	Covered	Plan 50k: Charges up to $60 a visit, 1 visit a day, to 30 visits Plan 100k: Charges up to $100 a visit, 1 visit a day, to 30 visits Plan 150k: Charges up to $125 a visit, 1 visit a day, to 30 visits
Anesthetist (In-Patient/Out-Patient)
Plan 100k: Charges up to $1,250 maximum Plan 150k: Charges up to $1,500 maximum Plan 300k: Charges up to $2,500 maximum Plan 500k: Up to $3000 Plan 1000k:Up to $5,000	Covered	Covered	Plan 50k: Up to $750 maximum Plan 100k: Up to $1,250 maximum Plan 150k: Up to $2,500 maximum
Private Duty Nurse
Plan 100k: Charges up to $500 maximum Plan 150k: Charges up to $550 maximum Plan 300k: Charges up to $550 maximum Plan 500k: Not Covered Plan 1000k:Not Covered	Covered	Covered	Plan 50k: Up to $400 maximum Plan 100k: Up to $500 maximum Plan 150k: Up to $550 maximum
Emergency medical treatment of pregnancy
Covered	Covered	Covered	Plan 50k: Up to $4,500 maximum Plan 100k: Up to $5,000 maximum Plan 150k: Up to $5,500 maximum
Pre-Existing Condition
Pre-Existing Conditionhelp
Premier plan pre-existing conditions details » Premier Pre-existing condition Under age 70: policy maximum $100,000 covers pre-existing condition maximum of $20,000/$40,000 with deductible $1,000/$5000, policy maximum $150,000 covers pre-existing condition maximum of $30,000/$60,000 with deductible $1,000/$5,000 and policy maximum $300,000 covers pre-existing condition maximum of $50,000/$100,000 with deductible $1,000/$5,000 , policy maximum $500,000 covers pre-existing condition maximum of $150,000/$200,000 with deductible $1,000/$5,000 for age 0 to 69 years and policy maximum $1,000,000 covers pre-existing condition maximum of $150,000/$200,000 with deductible $1,000/$5,000 Age 70 to 99: Policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.	Not Covered	Elite plan pre-existing conditions details » Elite Pre-existing condition Under age 70: covers pre-existing condition coverage up to $25,000, $30,000, $40,000, or $50,000 subject to deductibles of $1,500, $2,000, $2,500, $5,000, or $10,000 Age 70 to 99: Policy maximum $75,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.	Not Covered
Emergency Services
Emergency local ambulance help
Plan 100k: Up to $450 Plan 150k: Up to $500 Plan 300k: Up to $1000 Plan 500k: Up to $1,500 Plan 1000k:Up to $2,500	Covered	Covered	Plan 50k:Up to $400 maximum Plan 100k:Up to $450 maximum Plan 150k: Up to $500 maximum
Dental
Dental Treatment due to Alleviate pain help
Up to $500	Covered	Covered	Plan 50k: Up to $450. There are no benefits for dental services for immediate relief of pain. Plan 100k: Up to $500. There are no benefits for dental services for immediate relief of pain. Plan 150k: Up to $550. There are no benefits for dental services for immediate relief of pain.
Life
Common carrier accidental death & dismemberment help
$25,000 principal sum, Not subject to deductible	Up to $25,000 maximum	Up to $25,000 maximum	Plan 50k: $25,000 Principal Sum Plan 100k: $25,000 Principal Sum Plan 150k: $25,000 Principal Sum
Evacuation
Emergency medical evacuation help
Plan 100k: Up to $20,000 Plan 150k: Up to $25,000 Plan 300k:Up to $45,000 Plan 500k: Up to $65,000 Plan 1000k: Up to $85,000	Up to $25,000 maximum	Up to $25,000 maximum	Plan 50k: $15,000 maximum Plan 100k: $20,000 maximum Plan 150k: $25,000 maximum
Repatriation of Remains help
Plan 100k: Up to $15,000 Plan 150k: Up to $20,000 Plan 300k:Up to $30,000 Plan 500k: Up to $30,000 Plan 1000k: Up to $30,000	Up to $20,000 maximum	Up to $20,000 maximum	Plan 50k: $10,000 maximum Plan 100k: $15,000 maximum Plan 150k: $20,000 maximum
Underwriter
Premier Plan Insurance Underwriter Underwritten by ACE American Insurance Company, a member of the Chubb Group of Companies.	Safe Traveler USA Insurance Underwriter Underwritten by ACE American Insurance Company, a member of the Chubb Group of Companies	Elite Plan Insurance Underwriter Underwritten by ACE American Insurance Company, a member of the Chubb Group of Companies.	Standard 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++	Safe Traveler USA Insurance Rating AM Best Rating: A++	Elite Plan Insurance Rating AM Best Rating: A++	Standard Plan Insurance Rating AM Best Rating: A++
Brochure & Details links
» Premier Plan Brochure » Premier Plan Details	» Safe Traveler USA Brochure » Safe Traveler USA Details	» Elite Insurance Brochure » Elite Insurance Details	» Standard Plan Brochure » Standard Plan Details

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What are the best travel insurance for seniors with pre-existing medical conditions?

Pre-existing condition is a medical ailment that existed before the travel insurance became effective. Another term that we come across more frequently in insurance policies is "Acute onset of pre-existing condition". Acute onset of pre-existing condition is a sudden relapse of the pre-existing condition without advance warning which requires medical attention within 24 hours.

Travelers with pre-existing conditions always find it hard to buy travel health insurance. Some of the common conditions that are considered as pre-existing conditions are asthma, food & drug allergies, environmental allergies, heart related issues, high blood pressure, kidney disease, cancer, and diabetes. Typically all insurance providers have their terms and conditions for the pre-existing condition coverage provided. Most do not cover anything related to a pre-existing condition. Travelers can buy a travel insurance policy without a medical check, however chronic illnesses like cancer, parkinson's disease, Amnesia...which cannot be cured are not covered by the travel health insurance policies. With the pre-existing condition there is a "look back" period of 60-180 days to determine the claim. Most of the Insurance providers consider the age of the individual as a factor for providing this benefit. Most of the policies do not provide coverage for pre-existing conditions at the age of 70 and more.

Some US insurance providers offer senior citizen travel insurance for pre-existing conditions above the age of 80 with fixed or limited coverage. The Safe Travels USA, Safe Travels USA Cost Saver, and Safe Travels USA Comprehensive all offer $1000 coverage for pre-existing conditions without limitation to chronic illness. If travelers have a medical condition they are concerned about, it is very important for them to buy a policy that includes the illnesses in the coverage and to be aware of the terms of pre-existing condition coverage.

INF is one of the few companies which offers travel insurance plans for travelers with flexible coverage for pre-existing ailments. They define pre-existing conditions differently and do not exclude chronic illness. First of all, if the person has had no flare up or change in their condition, even if they take medication for it (as long as there has been no change in medication) for 12 months prior to the start of the plan, then the plan does not consider it as a pre-existing condition. If there has been a flare up or change in the condition, then it is covered but at a lower maximum than the overall maximum of the plan and may be subject to a higher deductible.

They have two plans which have this coverage: INF Premier X and INF Elite X. The Premier plan is a fixed plan which has limitations on the coverage of each medical expense. The Elite plan is an 80/20 comprehensive plan (the plan pays 80% and the insured 20% after the deductible). INF offers the best travel insurance for pre-existing medical conditions but the difference is reflected in the cost, particularly in the Elite plan. Note that regularly needed maintenance medications or treatments are still not covered with these plans, only if there is a new problem will there be coverage. However, the problem does not need to be life-threatening or acute. Travelers with pre-existing conditions should weigh these options to reduce their risk of high medical costs should they suffer from one of their conditions while traveling. Note that the plans need to be purchased for at least 90 days, so these are more suitable for longer term stays in US, Canada, and/or Mexico. Also, the plans may be purchased by green card holders as long as they have a non-US residence address. The Elite plan has several variations: INF Elite X, Elite Plus X and INF Elite 90 X.

To compare the best travel insurance for seniors visiting USA for flexible pre-existing conditions plans offered by INF, use this link: INF Premier X & INF Elite X best travel insurance for pre-existing conditions.

INF Pre-Existing Conditions - FAQ's

Unfortunately, this simple question has a fairly complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance that can cover pre-existing conditions and even plans that are travel medical only without cancellation often are more generous in their coverage of pre-existing conditions. These plans may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.

Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There are only two policies we know of that offer coverage for pre-existing medical conditions. They are INF Premier and INF Elite plans.

Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.

INF Elite (also INF Elite 90) are comprehensive plans offering fairly complete coverage. INF Premier is a fixed plan. Find details on these plans here.

The above plans must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions.

The other option, of course, is to take a plans with little ($1000) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.

INF plans boast they offer "full" coverage for pre-existing conditions. This can be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the INF Elite and INF Premier is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation.

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms). A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset.

The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

Full Pre-existing means we will cover any issue regarding a pre-existing condition, however, if one is traveling to the United States solely for medical treatment, that will not be covered. INF plans do not cover any medical tourism related claims. Pre-existing conditions under the INF plans are covered with a higher deductible and a lower maximum than other illnesses or injuries. These are chosen or specified when you purchase you plan.

Yes, the INF policies will cover any pre-existing issue that the traveler may have during their stay in the United States. This includes blood pressure, diabetes, kidney related issues and arthritis, all of which are covered by the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plans.

The insurance company takes on an enormous risk by insuring individuals and including coverage for pre-existing conditions without any prior medical examination. Under the INF plans, you are paying more, but you are getting the full value for the money you pay given the very high cost of US healthcare. With the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plans, even though it is expensive, you can have the comfort of knowing that you are covered for any emergency or contingency. This peace of mind given the expensive US healthcare expense is what makes INF plans worth it despite being expensive.

The list of covered services under Visitors insurance full pre-existing conditions coverage can be found on the American Visitor Insurance website of the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plan pages. INF plans are open to green card holders

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..

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INF visitors insurance cost - FAQ's

Yes, there are many travel insurance options for seniors over 70 from the USA. Many US travel insurance providers offer policies specifically designed for older travelers, and some policies may have no age limit for coverage. However, it is important to note that the cost of travel medical insurance for seniors is higher than for younger travelers due to increased health risks and the likelihood of pre-existing conditions. Additionally, coverage and benefits may vary depending on the policy, and it is important to carefully review policy terms and conditions to ensure that you get the coverage you need.

Some US insurance providers that offer travel medical insurance for seniors over 70 from the USA include Trawick International, Seven Corners, IMG and WorldTrips. It's recommended to research and compare different policies on American Visitor Insurance based on costs, benefits and coverage for pre-existing conditions to find the best traveller insurance and value for your needs.

The most important insurance coverage for senior travelers is extent of medical coverage. Seniors are more likely to have pre-existing medical conditions and may be at higher risk for medical emergencies while traveling, making it essential to have adequate medical coverage in case of illness or injury. Travel medical coverage can include coverage for hospitalization, emergency medical treatment, and medical evacuation if needed.

In addition to travel medical coverage, senior travelers may also want to consider trip cancellation and interruption coverage, which can help protect against financial loss if they need to cancel or cut short their trip due to unforeseen circumstances such as illness or weather-related events. There is the option available for US travelers to buy travel insurance with cancel for any reason, which gives full flexibility to cancel a trip.

Among other important insurance coverage for senior travelers is the coverage for lost or stolen luggage, travel delays or missed connections, and accidental death or dismemberment. Older travelers should compare different US travel insurance policies to find the best coverage and value for their individual needs on American Visitor Insurance.

Yes, it is possible to find cheap travel insurance for seniors over 70. Many insurance providers offer specialized travel insurance plans that cater to the needs of older adults. By comparing quotes from different insurers and considering factors such as coverage options, deductibles, and pre-existing condition coverage, seniors can find affordable travel insurance that suits their specific requirements. It is advisable to shop around and explore various options to find the most cost-effective travel insurance policy for seniors over 70.

Older travelers can easily compare different travel insurance over 70 plans on American Visitor Insurance which allows you to compare features, benefits, and prices of different policies. Travelers can review travel insurance plans based on your specific needs and preferences. For example, if you are looking for visitor insurance which focuses on the health of the traveler, you can compare insurance based on the specific coverage for medical ailments, coverage for pre-existing conditions, the co-insurance and deductible for the insurance plan Some of the factors that you should consider while comparing visitor insurance health insurance for the traveler are:

The maximum medical coverage available for the age of the traveler
The cost of insurance and deductible and co-insurance expenses
The Preferred provider organisation (PPO) network of the insurance provider and user reviews
The coverage for pre-existing conditions and any exclusions and limitations of the policy
The customer assistance and emergency helpline of the insurer

Visitor health insurance which insures mainly the health of the traveler against accident or sickness when he/she is traveling overseas is very important since healthcare is very expensive, especially in the USA. Visitor health insurance is important even if you have health insurance in your home country which you believe will work in the US. The main reason for this is that US insurance providers negotiate with the healthcare providers in the US to get a better pricing for medical services, something that is not available to international insurance providers. This makes US healthcare very expensive even with travel medical insurance coverage which do not have negotiated rates with US healthcare providers.

Visitor insurance which focuses on insuring the travel expenses along with the health of the traveler is very important to protect travelers from unforeseen risks and emergencies that may occur during their trip. Travel insurance can provide coverage for various situations such as:

Medical expenses due to illness or injury
Trip cancellation or interruption due to unforeseen reasons
Loss or delay of baggage or personal belongings
Passport or travel document theft or loss
Emergency evacuation or repatriation
Legal liability or personal accident
Travel assistance and support

Having the best visitor insurance is really important given its relative cost to that of the trip and the cost of healthcare overseas. Visitor insurance can help you save money, time, and hassle in case something goes wrong during your trip. It can also give you peace of mind and confidence to enjoy your travel experience. Therefore, travel insurance is strongly recommended for travelers to travel safely and securely.

It is easy to find the best visitor insurance online by comparing several insurance options on American Visitor Insurance based on cost as well as coverage benefits offered.

The cost of travel health insurance which focuses on the health of the traveler depends on factors such as:

The age and health of the traveler (older the traveler, higher the cost)
The destination and duration of your trip (cost in US is most expensive)
The amount of medical maximum coverage chosen (higher the coverage, higher the cost)
The deductible and co-insurance of the insurance
Any add-on benefits (pre-existing conditions coverage etc.. cost more)

Any pre-existing medical condition is something that the traveler has before or when he/she buys the travel insurance plan. The pre-existing condition can be an illness or any injury. Some other examples of pre-existing conditions are cancer, diabetes or asthma/respiratory issues.

Most travel insurance plans will consider blood pressure as a pre-existing condition for travel insurance. However the INF insurance offer travel insurance that covers pre-existing conditions ranging including Blood pressure. The INF Premier vs Elite travel insurance for preexisting conditions are two INF plans with coverage for blood pressure.

Yes, INF is one company that offers travel insurance for pre-existing conditions. Some other US travel insurance providers offer travel insurance for acute onset of an pre-existing ailment. The INF Elite and INF Premier travel plans provides greater flexibility for coverage of pre-existing conditions.

Travel Insurance plans do not specify anything about the waiting period, but some plans have a look back period for coverage for pre-existing conditions. Most travel insurance plans only cover the acute onset of pre-existing conditions with INF being the exception which offers coverage for Pre-existing conditions up to the defined limit with their INF Premier and INF Elite travel insurance plans.

US Student medical insurance plans which are useful for international students coming to the US for higher studies however do provide a waiting period of 6 months to one year which varies from one plan to another.

US short term travel insurance plans are bought online by filling out the travel insurance application form provided by the insurance company. In the insurance company application form, there are no specific questions about the pre-existing condition the customer might have.

However, on American Visitor Insurance on the form to travel insurance quotes, we ask the customer to fill in the requirement details including if coverage for pre-existing conditions is needed. This helps us display the plans with the best coverage for pre-existing conditions or for acute onset of pre-existing conditions. The available travel insurance plans can also be filtered depending on the pre-existing condition coverage requirement.

This way it is easier for the customer to view the plans that provide good pre-existing condition coverage. In conclusion, the customer does not have a way to disclose what pre-existing condition they have in the application form. Again only INF insurance offers coverage for pre-existing conditions while other providers only offer acute onset of pre-existing condition coverage, and they will not be covered for the pre-existing condition unless the incident is reported by the doctor as a acute onset of a pre-existing condition.

The INF Premier insurance plan is designed for travelers who need coverage for pre-existing medical conditions, while the INF Elite insurance plan is a comprehensive travel medical insurance plan that offers coverage for emergency medical and dental expenses, medical evacuation, trip interruption, and other benefits.

Yes, people who are already in the US, can buy the INF plans, but they must get prior permission to apply for INF plans. To do this, they must submit the following forms:

Latest I -94
Health attestation form
Any prior health insurance information (if applicable)

The I-94 form is a government doc that can be filled out on line, they should choose “Get most Recent” on the website here: https://i94.cbp.dhs.gov/I94/#/home and you should complete this “health attestation form”.

Yes, you can cancel your INF plan within the first 10 days of purchase and receive a full refund, provided that you have not already filed a claim.

Yes, you can extend your INF plan coverage by renewing your policy before it expires. However, coverage for pre-existing conditions will be subject to a new waiting period.

INF visitors medical insurance for pre-existing conditions is a type of travel insurance that provides coverage for individuals who have pre-existing medical conditions. These conditions can include chronic illnesses such as diabetes, heart disease, or cancer, or any other condition that requires regular medical treatment or attention.

The INF insurance plans are designed to provide coverage for medical emergencies and unexpected medical events that may occur while traveling. The plans include benefits such as hospitalization, doctor visits, prescription medication, emergency medical evacuation, and more.

INF offers several insurance plans for travelers with pre-existing conditions, including the INF Premier, INF Elite, Elite Plus and INF Elite 90. These plans have differing levels of coverage and benefits, so it is important to review each plan carefully on American Visitor Insurance to determine which one best fits your specific needs.

The coverage options available under the INF visitors insurance plans may vary depending on the specific plan chosen, but some common options include coverage for medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment, trip interruption/cancellation, and baggage loss/delay. Additionally, some plans may offer coverage for pre-existing medical conditions, as well as options for selecting the deductible and maximum coverage limits.

Yes, you can purchase INF travel medical insurance even if you have pre-existing conditions. INF offers INF Premier, INF Elite, Elite Plus and INF Elite 90 plans that provide coverage for pre-existing conditions. However, coverage for pre-existing conditions may have some limitations and exclusions depending on the plan and your specific condition. It is important to carefully review the policy details and ensure that the coverage meets your specific needs.

How do I find the best travel insurance for pre-existing conditions?

Travel Insurance tips for Pre-Existing Conditions

Here are some travel insurance tips for travelers with pre-existing conditions:

Choose a travel health insurance plan that covers pre-existing conditions.
Read the policy carefully to understand what is covered and what is not.
Be aware of any waiting periods for coverage of pre-existing conditions.
Consider buying a visitors insurance policy with higher coverage limits.
Carry a copy of your medical records and list of medications with you when traveling.
Ensure that you carry your medical prescription and medicines during your trip.
Know how to access medical care in your destination.
Contact your visitors insurance provider immediately in case of any medical emergency.
Disclose all pre-existing conditions when buying visitors health insurance.
Follow all necessary procedures to file a claim for reimbursement of medical expenses.

What are the INF pre-existing conditions travel insurance options?

There are several US travel insurance plans available for international travel, however most of these travel insurance plans exclude pre-existing conditions. This means that a travel insurance plan will not cover the costs of treating a pre-existing medical condition. The insurance company can therefore deny a claim if the ailment was pre-existing when the travel insurance was purchased.

INF is the only US insurance provider who is offering visitors travel insurance coverage for pre-existing conditions without limiting it to acute onset of a pre-existing condition. The INF Elite insurance plans cover pre-existing conditions up to a clearly defined pre-existing conditions limit which is different from the policy maximum. It is very important to compare the different travel insurance for pre-existing conditions coverage for the price and coverage details before buying the US travel insurance.

What are the important factors for pre existing conditions visitors health insurance?

The following are the important factors to consider while purchasing travel insurance for pre-existing conditions

The definition of pre-existing conditions and the look back period under the policy.
The eligibility age limit for pre-existing conditions coverage.
Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
The coverage limit for pre-existing conditions which is different from the policy medical maximum.
The deductible and out of pocket expenses for pre-existing conditions coverage.

Why is pre-existing conditions travel health insurance important?

There are many international travelers who have medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Many of the regular travel insurance plans exclude any coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing. At American Visitor Insurance, we offer plans which do offer coverage for acute onset of a pre-existing condition, as well as full coverage for pre-existing conditions up to a clearly defined limit in the policy document. All of these details can be better understood by using our facility for comparing visitors insurance for pre-existing conditions.

How does pre-existing conditions travel insurance work?

Pre-existing conditions travel insurance plans are designed to provide coverage for conditions that existed or still exist which started before the insurance plan became effective. Normally , travel insurance provides coverage for unexpected medical emergencies, trip cancellation, baggage delay and loss and medical emergencies and hospitalization. The plans that cover pre-existing conditions can vary from one provider to the other.They also have limitations for age factor and do not provide coverage for most people above 70.It is important to review the policy carefully to see if it covers the things that you want to get coverage.

Pre existing condition is defined as the medical condition that has been diagnosed with or received treatment for certain period of time before the policy became effective.

Coverage exclusions: The pre -existing condition travel insurance may restrict the coverage for some specific conditions,and will have limitations around the age of the individual, or have waiting periods to start coverage.

Medical emergency coverage: If the traveler experiences medical emergency related to the pre-existing condition, during the trip, then the insurance will cover the eligible medical expenses.

Trip cancellation or Interruption: Some plans will provide coverage for trip cancellation related to the pre existing condition in case you need to cancel the trip for the medical issue.

Claims: For a covered claim, you need to file a claim with the insurance provider

Reviewing the policy: Before purchasing the plan, carefully review the policies terms and condition to understand the coverage, limitations and requirements for pre-existing conditions.

Pre-existing conditions coverage - FAQ's

INF Elite (also INF Elite 90) are comprehensive plans offering fairly complete coverage. INF Premier is a fixed plan. Find details on these plans here.

The above plans must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions.

The other option, of course, is to take a plans with little ($1000) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.

INF Visitor Insurance for travelers - Forum

INF travel medical insurance for people already in the US

Hi,
My mother is already in the US. I am looking to buy an insurance for her. I was wondering if I can purchase the INF plans?
Thank you,
Mohammad

Dear Mohammad,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!.

If the person is already in the US, then they cannot purchase the HOP plans offered by INF. They can purchase any of the other INF plans, but there will be a 5 day waiting period for any new sickness and 15 days for Covid-19. It is also required for customers in this situation to send an I94 and health attestation form signed and dated.

The member also needs to submit their I-94 form.

Please let us know if you have any more questions.

Sincerely,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910

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