INF Elite X Travel Insurance
Best comprehensive travel insurance with pre-existing conditions for non-us residents
What is INF Elite X insurance?
INF Elite health insurance is a comprehensive travel medical insurance plan that covers for Non-US Citizens & anyone visiting USA, Canada, Mexico and traveling worldwide outside their home country. This plan provides coverage for pre-existing conditions up to 99 years of age, as well as other benefits such as emergency medical evacuation, repatriation of remains, accidental death and dismemberment, and telemedicine. This plan offers coverage for minimum of 90 days up to 364 days. Plan will pays 80% of eligible medical expenses up to the policy maximum inside PPO network and the plan will pay 60% of eligible medical expenses outside of the PPO network after the deductible met for United Healthcare PPO network.
INF Elite X Insurance Reviews
What are the key highlights of INF Elite X insurance?
- Ideal for parents and grandparents visiting the USA.
- Provides comprehensive coverage for pre-existing condition.
- Available for a minimum of 90 days and up to 364 days.
- Emergency medical evacuation covered up to $25,000.
- Urgent Care Clinic: In network - $25 copay, Out network - $50 copay.
- Offers 24/7 travel assistance services.
Who is eligible for INF Elite X insurance plan?
- Available for non-U.S. citizens and non-U.S. residents traveling to the USA, Canada, or Mexico.
- For ages 14 days to 99 years.
- Coverage available from 90 to 364 days.
- Coverage must be purchased before your departure from home.
What is a Coinsurance in INF Elite X insurance?
How much does INF Elite X insurance cost?
INF Elite insurance cost is ranges between $414 to $3,800 per 3 months, this is dependent on the age of the traveler, the plan maximum and the deductible.
The INF Elite X insurance cost is higher for older travellers as they are more likely to need healthcare while traveling. Also, the higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers up to age of 69 years can choose maximum limits of $150,000 and $300,000. Travelers aged 70 to 99 years can choose $75,000 coverage.
Here we are showing INF Elite X insurance cost per 3 months with a deductible of $500. Minimum enrolment for this plan is 90 days.
| Age of traveler | Maximum $150,000 | Maximum $300,000 |
|---|---|---|
| 18 - 29 years | $414 | $460 |
| 30 - 39 years | $501 | $558 |
| 40 - 49 years | $594 | $662 |
| 50 - 59 years | $874 | $981 |
| 60 - 69 years | $1243 | $1400 |
For ages 70 – 79 years the cost is $2,962 per 3 months with medical maximum of $75,000 and deductible $500.
For ages 80 – 89 years the cost is $3,800 per 3 months with medical maximum of $75,000 with deductible $500.
Does INF Elite X provide coverage for pre-existing conditions?
- One of the highlights is comprehensive coverage for pre-existing conditions, to age 99, which is best for seniors or people with continuing health problems.
- For applicants aged 0-69, pre-existing condition coverage can be as much as $50,000, with sub-limits applied to certain expenses (e.g., $15,000 for hospital/ICU room & board, $7,500 for hospital emergency, $500 for prescriptions).
- For age 70 through 99, pre-existing conditions are paid up to $20,000, with a deductible of $1,500.
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Compare INF Elite X Plan insurance quotes »What are the benefits of INF Elite X insurance?
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Hospital room and board help Covered Intensive care unit help Covered Surgery help Covered Urgent Care Visits In Network: Covered with $25 copay
Out Network: Covered with $50 copayAssistant Surgeon help Covered Doctor’s Non-Surgical Visits Covered Consultant Doctor, when requested by attending Doctor Covered Pre-Admission Tests within 14 days before hospital admission Covered Surgical Room & Supply Expenses Covered Surgeon Covered Diagnostic X-rays & Lab Services (PET, CAT, and MRI scans) Covered Physiotherapy $50 per visit up to a maximum of $500 Chemotherapy and/or Radiation Therapy Covered Emergency Medical Treatment of Pregnancy Covered Dental Treatment injury to Sound, Natural teeth (Due to Accident) help Covered -
Pre-Existing Conditions For age 0-69: $25,000, $30,000, $40,000, or $50,000 Maximum Benefit; subject to a $1,500, $2,000, $2,500, $5,000, or $10,000 deductibles.
Pre-existing Conditions Sub-Limits: $15,000 Hospital/ICU Room & Board / $15,000 Hospital Miscellaneous / $15,000 Surgeries /$7,500 Hospital Emergency / $5,000 Assistance Surgeon Expenses / $500 Prescriptions
For age 70-99: 20,000 Maximum Benefit; subject to a $1,500 Deductible -
Accidental Death and Dismemberment help $25,000 24/7 Travel Assistance Services Included Incurral Period 90 days after the date of Injury/Sickness
What is the INF Elite X insurance PPO network?
A Preferred Provider Organization (PPO) is a network of highly qualified doctors, well-recognized hospitals, medical providers/facilities who are contracted by INF to offer services to insureds. This will help reduce the insured’s out-of-pocket costs.
INF maintains when inside the U.S., the UnitedHealthCare options network which is a longstanding reputable tier one network that gives you more access to more doctors and services.
To find a network doctor, hospital, lab, or healthcare provider in your area, start by searching for those who are part of our network. These healthcare providers have agreed to charge lower prices, which can help reduce your overall healthcare costs. By selecting a provider within our network, you ensure that you’re taking advantage of the cost savings associated with your health plan. Be sure to confirm that the provider is covered under your specific plan to maximize your benefits and minimize out-of-pocket expenses.
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INF Elite X visitor insurance – FAQ’s
INF Elite X Travel Insurance is for non U.S. residents and non U.S. citizens who are traveling to the United States, Canada, or Mexico. The plan is available for ages 18 years to 99 years. The coverage duration is from 90 days to 364 days and can be extended for up to 364 days. The plan must be purchased before departing from the home country. The minimum requirement to buy INF Elite X plans is that you must have a valid visa or passport stamp when entering the US.
No, INF Elite X Travel Insurance does not cover quarantine benefit or emergency medical evacuation for Covid19.
Yes, INF Elite X Travel Insurance can cover pre-existing conditions related to Covid19, such as worsening pre-existing conditions or acute onset of pre-existing conditions. A worsening pre-existing condition is one that is otherwise stable but has become worse in a new manifestation. An acute onset of pre-existing condition is a sudden, rapid, unpredictable emergency related to a pre-existing issue. The plan will pay 80% of eligible medical expenses up to the policy maximum within the United Healthcare PPO network, and 60% of eligible medical expenses outside of the PPO network, after the deductible is satisfied.
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.
The cost of the insurance depends on many factors including age, coverage length, the limit of the plan, and deductibles. The plan offers three options for the limit of the plan: $50K, $100K, and $150K. The deductible options are $250, $500, and $1K. The higher the limit and the lower the deductible, the higher the premium will be. You can compare and get a quote on American Visitor insurance online by entering your details and choosing your plan options.
Elite Insurance Covid19 travel insurance by INF for coronavirus will cover eligible medical expenses resulting from covid19/SARS-CoV-2.
INF Covid19 travel insurance by Elite travel insurance for coronavirus coverage will cover eligible medical expenses resulting from covid19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.
INF Elite X visitor medical insurance will cover on a per incident (sickness) basis up to the policy maximum. And the deductible is applied per sickness as well. There's no "lifetime maximum" for the plan - theoretically you could go to the hospital 10 times and get $1.5 million in claims.
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 Elite X travel medical insurance is designed for travelers with pre-existing conditions who need a higher level of coverage than what standard travel medical insurance provides. This plan offers comprehensive medical coverage, including coverage for pre-existing conditions, emergency medical evacuation, and emergency reunion. It also offers a high maximum benefit limit and a low deductible, making it an excellent choice for those with significant medical needs.
Additionally, INF Elite X offers coverage for acute onset of pre-existing conditions, making it a good option for travelers to the US who have pre-existing conditions but may experience sudden acute symptoms during their trip.