INF

Compare INF Covid Travel Insurance Plans

best travel insurance price

Compare travel insurance benefits offered by INF Premier, INF 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 visitors health insurance USA cost?

Compare INF Travel Insurance Plans for Coronavirus

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Age
Spouse
Start Date
End Date
Destination
Citizenship
INF Premier
Plan Maximum
Deductible
Pre-ex Ded
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INF Traveler USA
Plan Maximum
Deductible
Pre-ex : Not Covered
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INF Elite
Plan Maximum
Deductible
Pre-ex : Included
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INF Standard
Plan Maximum
Deductible
Pre-ex : Not Covered
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  Covid19 coverage
Treats Coronavirus as a new sickness & covered by the plan Treats Coronavirus as a new sickness & covered by the plan Treats Coronavirus as a new sickness & covered by the plan Treats Coronavirus as a new sickness & covered by the plan
  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
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 $3,000 a day, to 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
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
Plan 300k: Charges up to $1150 maximum additional a day, to 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)
Plan 100k: Charges up to $5,000 maximum
Plan 150k: Charges up to $6,000 maximum
Plan 300k: Charges up to $8,000 maximum
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 $650 maximum
Plan 150k: Up to $750 maximum
Plan 300k: Up to $1,150 maximum
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 $650 additional
Plan 150k: Up to $1,000 additional
Plan 300k: Up to $1,400 additional
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
Plan 100k: Up to $150 maximum
Plan 150k: Up to $200 maximum
Plan 300k: Up to $300 maximum
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
$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
 Rehabilitative Braces or Appliances
Plan 100k: Up to $1,100 maximum
Plan 150k: Up to $1,200 maximum
Plan 300k: Up to $1,500 maximum
Covered Covered Plan 50k: Charges up to $1,200 maximum
Plan 100k: Charges up to $1,100 maximum
Plan 150k: Charges up to $1,200 maximum
 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
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
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
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​
 Consultant Doctor
Plan 100k: $450 maximum
Plan 150k: $500 maximum
Plan 300k: $500 maximum
Covered Covered Plan 50k: $400 maximum​
Plan 100k: $450 maximum​
Plan 150k: $500 maximum​
 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
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
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
Plan 100k: Charges up to $5,000 maximum
Plan 150k: Charges up to $5,500 maximum
Plan 300k: Charges up to $5,500 maximum
(Conception must occur after Trip begins)
Covered Covered Plan 50k: Up to $4,500 maximum
Plan 100k: Up to $5,000 maximum
Plan 150k: Up to $5,500 maximum
  Emergency Services
Emergency local ambulance
Plan 100k: Charges up to $450 maximum
Plan 150k: Charges up to $500 maximum
Plan 300k: Charges up to $1,000 maximum
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
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.
Plan 300k: Charges up to $550 maximum. There are no benefits for dental services for immediate relief of pain.
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.
  Pre-Existing Condition
Acute Onset of 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 Policy maximum $300,000 Covers up to $50,000/$100,000 with deductible $1,000/$5,000 for age 0 to 69 years.
Age 70 to 99: Policy maximum $100,000 - Covers up to $15,000/$25,000 pre-existing maximum with deductible $1,000/$5,000.
Not Covered 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.
Not Covered
  Life
Common carrier accidental death & dismemberment
Plan 100k: $25,000 maximum
Plan 150k: $25,000 maximum
Plan 300k: $25,000 maximum
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
Plan 100k: Up to $20,000 maximum
Plan 150k: Up to $25,000 maximum
Plan 300k: $45,000 maximum
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
Plan 100k: Up to $15,000 maximum
Plan 150k: Up to $20,000 maximum
Plan 300k: $30,000 maximum
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.
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++
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

Best Travel insurance with Pre-existing Conditions Coverage

Pre-existing condition is a medical ailment that existed before the start of the travel insurance cover. Acute onset of a 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. There are various conditions that are considered as pre- existing diseases but some of common ailments in this category are Asthma, heart related issues, high blood pressure, kidney disease, cancer, diabetes etc. Typically all insurance providers have their terms and conditions for the pre-existing condition coverage provided. Travelers can buy a travel insurance policy without a medical check, however most insurance providers only provide coverage for acute onset of pre-existing conditions. With the pre-existing condition there is a "look back" period of 60-180 days to determine the claim. Most insurance providers offer travel insurance for acute onset of pre-existing conditions with fixed or limited coverage.

If any of the travelers has one of these conditions it's 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 full coverage for pre-existing ailments. INF offers the 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. INF insurance will cover any pre-existing conditions ranging from blood pressure, diabetes, to kidney complications and arthritis.All of these issues are covered by the INF Premier, INF Elite, Elite Plus and INF Elite 90 best travel insurance for pre existing conditions.

Compare the best travel insurance for full pre-existing conditions plans INF Premier & INF Elite best travel insurance for pre-existing conditions.

Note: **INF Premier, Elite, Elite Plus and Elite 90 plans have a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.

Frequently asked questions

What counts as a pre-existing medical condition for travel insurance?

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.

Is high blood pressure considered a pre-existing condition for travel insurance?

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 & INF Elite travel insurance for preexisting conditions are two INF plans with coverage for blood pressure.

Do travel insurances cover pre-existing conditions?

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.

Is there a waiting period for 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.

What happens if you don't disclose pre-existing condition travel insurance?

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.

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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