INF Elite Plus Travel Insurance for Covid19

INF Elite Plus Insurance
Insurance provider
Plan life - 364 days (Minimum Enrolment 90 days)
INF Elite Plus Plan Underwriter
Underwritten by Crum & Forster SPC
INF Elite Plus Plan rating
AM Best Rating: A
Policy maximum?
Ages 0 to 69 years:$150,000; $250,000; $300,000
Ages 70 to 99 years:$75,000
Deductible options?
Ages 0 to 99 years:$100; $250; $500; $1,000; $2,500; $5,000

INF Elite Plus Plan Links

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  • Renewal
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INF Elite Plus Plan For preventive care and pre-existing conditions Insurance

The Elite Plus plan which covers both preventive care & pre-existing conditions for travelers visiting the USA, Canada, or Mexico. This plan offers two unique features:
  • Full Pre-Existing Insurance :The Elite Network covers all pre-existing conditions for Non-US Citizens.This includes preventive care benefits, which can be used for a number of different covered medical services,doctors appointments, blood tests & labs, specialist care, urgent care visits, & hospital stays are all covered for pre-existing conditions.
    Elite Plus plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years and for policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
  • Comprehensive Insurance for Ages 70+ : It covers all ages up to 99 years old.
  • Elite plan considers only the sicknesses within the last 12 months as pre existing conditions.
  • Elite plan considers the "Acute onset of pre existing conditions" as a new sickness, meaning that the insured is covered up to the policy maximum for this.

INF Elite Plus Insurance, INF Elite Plus Insurance for Visitors - Key Highlights

  • Covers Preventive & maintenance care and coverage for full body physicals.
  • Comprehensive plan with full pre existing condition coverage which is unique. This includes doctor appointments, blood tests and lab, specialist care, urgent care visits and hospital stays are covered for pre existing conditions
  • Coverage for TDAP, Flu, etc Vaccines
  • Pre-Existing complications from Covid-19 covered
  • There is a minimum purchase of 90 days required to buy this plan
  • This plan is not available to US residents and is only available to non-US residents
  • Stable pre-Existing conditions are covered as new sickness
  • United Healthcare PPO providers direct billing
  • Covers accident & sickness while traveling to USA, Canada, and Mexico
  • Includes dental discount plan
  • Acute onset is considered new sickness
  • Urgent care & doctor visit arranged by MeMD
  • 90% of eligible medical expenses
  • Covid-19 medically necessary testing & treatment covered as any other new sickness.

INF Elite Plus Visitor Accident & Sickness Insurance Summary

EligibiltyINF Elite Plus Insurance Eligibility
  • This plan is available for Non-US Citizens.
  • Anyone visiting USA or Canada can enroll in this plan.
  • Minimum Enrolment should be 90 days to buy INF Elite Plus Plan.
RenewalINF Elite Plus coinsurance?
    • In-Network: The plan covers 90% of the Preferred Allowance
    • Out-of-Network: 70% of Usual, Reasonable & Customary (URC) Charges

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INF Elite Plus Plan - Frequently asked questions

What is the advantage of buying INF Elite Plus Insurance?

Elite Plus Insurance Covid19 travel insurance by INF for coronavirus will cover eligible medical expenses resulting from covid19/SARS-CoV-2, Preventive & maintenance care and coverage for full body physicals..

Does INF Elite Plus Insurance cover covid illness?

INF Covid19 travel insurance by Elite Plus 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.

How is the deductible paid and how is the plan maximum offered for INF Elite Plus visitor insurance? Is it per injury/per sickness and is there a cap with the maximum coverage?

INF Elite Plus 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.

Does INF insurance 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 Elite Plus Travel Insurance Plan Benefits

In-Patient Medical Benefits
Hospital Room (Average Semi-Private), Board, & Miscellaneous Covered
Wellness Medical Expense Benefit $200 (Annual)
Hospital Intensive Care Unit Covered
Surgeon Covered
Anesthetist Covered
Assistance Surgeon Covered
Doctor’s Non-Surgical Visits Covered
Consultant Doctor, when requested by attending Doctor Covered
Surgical Room & Supply Expenses Covered
Surgeon Covered
Anesthetist Covered
Assistance Surgeon Covered
Doctor’s Non-Surgical Visits Covered
Diagnostic X-rays & Lab Services Covered
CAT Scan, PET Scan, or MRI Covered
Emergency local ambulance Covered
Dental Treatment injury to Sound, Natural teeth (Due to Accident) Covered
Repatriation of Remains Up to $50,000
Medical Evacuation Up to $50,000
Accidental Death and Dismemberment $25,000
Incurral Period 90 days after the date of Injury/Sickness
Physiotherapy $100 per visit up to a maximum of $1,000
Chemotherapy and/or Radiation Therapy Covered
Therapeutic termination of pregnancy Covered
Emergency Medical Treatment of Pregnancy Covered
Pre-existing Conditions For age 0-69: 25,000 Maximum Benefit; subject to a $1,500 Deductible
For age 70-99: 20,000 Maximum Benefit; subject to a $1,500 Deductible
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INF Provider network and how to find hospital or doctor?

INF maintains a wide network of health care providers.
First Health Care Provider Network
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Frequently asked questions about INF travel insurance coverage for Covid19

Now that the CDC announced that the world is at a level 3 travel advisory, is there any coverage for your policies for COVID19?

There is no change in the coverage.

Will these policies be voided given that travelers are basically stuck wherever they are and there is no place "better" to travel to?

If they are currently enrolled, the policy will not be voided. If they are enrolling after the arrival date (most common situation now) they may go through special underwriting.

Will you be issuing new policies since the CDC announcement?

Currently, we will continue to support our customers and allow new enrollments in INF Standard and INF Traveler USA and others case by case.

Many people are currently stuck in countries with their other policies running out and non-renewable. Can they purchase the your policies ?

Yes, they can enroll in the INF policies.

Will you continue to allow pre-existing condition coverage during the month of April for the "marooned" travelers?

As of now, the pre-existing coverage will remain intact. For new enrollments, they may undergo special underwriting.

Will these policies cover any other illness, injury or accident as long as the person does not travel?

Yes, the plan will cover eligible sickness and accidents.

Can they travel (say from US to Canada and back)?

If they are a Non-US Citizen or Non-US Resident, yes they will be able to

Will they cover covid19 if they stay in one country or if they travel or not at all?

INF plans cover covid19 like a new sickness, subject to the terms and conditions of the policy. This is not a guarantee of benefits, however, as each claim is evaluated individually. Additionally, we do not cover anyone who is already sick or showing symptoms, or plans to see a physician in the immediate future. As you know, the situation is developing day by day and is constantly changing. If the Travellers are interested in enrolling, we advise them to enroll right away.

What happens if I catch covid19 on the flight to the USA?

INF travel insurance that covers coronavirus will treat it as a new sickness, even if you are infected on the airplane.

But what about contact tracing? Won't the insurance company deny the claim knowing I was in contact with someone infected?

We cannot prove that you were infected with covid19 by simply being in contact with someone who had / has it. This has no effect on the coronavirus travel insurance. We will cover covid19 like any other new sickness.

What happens if I am asymptomatic (i.e. testing done before the trip shows positive) and still decide to travel?

Being tested is a service, if we determine a related service was done 12 months prior to the effective date, the condition would be considered Pre-Existing

What if I catch covid19 in the airport on the way to the US?

We would still cover coronavirus like a new sickness. There is no incubation period exclusion clause in our policy. covid19 is covered just as if you catch the flu. Both testing & treatment are covered.

Will INF travel insurance cover Coronavirus even though it's declared a pandemic & there are travel advisories out by my government about non-essential travel?

Yes, INF will cover covid19 like any other sickness. We do not have a pandemic or travel advisory exclusion clause in our policy.

If I am already sick with covid19, will INF travel health insurance coronavirus cover my medical expenses?

No, INF will not pay out any benefits if you are already showing symptoms of covid19 before you enroll in the policy.

Are antibody tests & covid19 tests covered by INF?

Antibody test prescriptions can be obtained via INF's telemedicine program for $0 (free). covid19 tests and prescriptions are covered. In both cases, you must be showing symptoms and tests should be prescribed by a physician (medically necessary) to be covered.

INF Travel insurance for Covid19

At American Visitor Insurance, we are committed to getting you the best travel insurance coverage for Covid19. INF offers travel insurance plans for coverage in the USA, Canada and Mexico. INF Insurance: offers two fixed benefit plans namely INF Premier Insurance and INF Standard Insurance and two comprehensive benefit plans namely INF Elite Plus Insurance and INF Traveler USA with Covid19 coverage. Please know we are here to help you make the best, informed decision to get coverage even for covid19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

INF Premier Network insurance for pre-existing conditions

What is covered by INF Premier Plan Insurance?

1. Worsening Pre-Existing Conditions
A worsening pre-existing condition is one that is otherwise stable but has become worse in a new manifestation.
2. Acute Onset of Pre-Existing Conditions
Sudden, Rapid, Unpredictable emergency related to pre-existing issue.
3. New Sickness & Accidents
  • New Illnesses include UTI or Kidney Issues, Fever, Headache, etc - Accidents are random in nature
  • covid19 is covered like a new sickness under INF.

What is not covered by INF Premier Plan Insurance:

1. Maintenance Treatment, Devices, or Prescription Drugs
Includes treatment for on-going illnesses, derivatives/ complications of that illness, medical devices to monitor chronic conditions, or maintenance drugs for pre-existing conditions like Lipitor or Amlodipine.
2. Preventative Treatment, Devices, or Prescription Drugs
INF will not cover preventive treatment like physicals, regular doctor checkups, or drugs that are used for prevention of other diseases.
3. Pregnancy & Childbirth
No coverage for pregnancy before the policy effective date.
4. Cancer Treatment
No coverage for cancer treatment, or cancer related illnesses in the policy.
5. Dialysis Treatment
No coverage for dialysis treatment.
6. Planned, expected, or anticipated medical care
There is no coverage for expected, planned, or anticipated medical care. If your clients are planning to take their visitor to any clinic, treatment, or anything of the like it will be rejected by the insurance company.
7. Medical Tourism
INF does not cover medical tourism for issues like elective or medically necessary surgery, cancer treatments, specialist treatment for on-going medical issues.

INF Visitor Medical Insurance plans are designed only to cover truly unexpected sickness and accidents- all other claims are at risk of being denied if they are deemed to meet any (but not limited to) of the above restrictions.

INF Visitor Medical Insurance plans will cover any unexpected sickness or accident, but any planned medical treatments, treatment for on-going issues, or maintainance treatment will not be covered by INF.