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INF Premier Plan Coronavirus Insurance for Covid19

Premier Plan Insurance Cost

Frequently asked questions about INF international travel insurance coverage for Coronavirus

Now that the CDC announced that the world is at a level 3 travel advisory, is there any coverage for your policies for COVID-19?

There is no change in the coverage.

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.

INF plans cover COVID-19 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.

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

Yes, they can enroll in the INF policies.

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

Yes, the plan will cover eligible sickness and accidents.

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

INF plans cover COVID-19 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.

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

We cannot prove that you were infected with COVID-19 by simply being in contact with someone who had / has it. This has no effect on the coronavirus travel insurance. We will cover COVID-19 like any other new sickness.

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

We would still cover coronavirus like a new sickness. There is no incubation period exclusion clause in our policy. COVID-19 is covered just as if you catch the flu. Both testing & treatment are covered.

Yes, INF will cover COVID-19 like any other sickness. We do not have a pandemic or travel advisory exclusion clause in our policy.

No, INF will not pay out any benefits if you are already showing symptoms of COVID-19 before you enroll in the policy.

Antibody test prescriptions can be obtained via INF's telemedicine program for $0 (free). COVID-19 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 insurance covid - INF Premier Insurance Covers Coronavirus

  • COVID 19 is a covered benefit under this plan. As long as the person does not have COVID 19, before purchasing the plan, this is a covered benefit.
  • Treats Coronavirus as a new sickness & covered by the plan
  • Covers Pre-Existing Conditions
  • Comprehensive FULL Pre-Existing insurance for visitors
  • Works with the First Health Provider Network or Multiplan PPO - $0 Copay for Urgent Care when using MeMD
  • Dental & Vision Discount Coverage Included
  • Covers from Age 0 through Age 99

Travel medical insurance for travelers stranded in the USA, Canada or Mexico because of Coronavirus

It is heartbreaking to hear of so many people stranded due to COVID-19. So many borders are closing and travel plans have had to be altered. At American Visitor Insurance, we are committed to getting you the best insurance coverage we can in these uncertain times. Of particular note, the company INF insurance which offers travel insurance plans with coverage in the USA, Canada and Mexica. INF Insurance: offers two fixed benefit plans namely INF premier insurance and INF standard insurance and two comprehensive benefit plans namely INF Elite Network insurance and INF Traveler USA insurance with Covid19 coverage. These plans usually have a restriction on coverage of pre-existing medical conditions for their plan: INF Elite Network Insurance unless it is purchased BEFORE the traveler leaves their home country. INF traveler USA also offers coverage for Coronavirus. In light of the coronavirus epidemic, INF is lifting this restriction on pre-existing condition coverage even if purchased after coming to the US.

While many other insurers are NOT covering COVID-19 and even voiding policies due to the pandemic, INF insurance is a REAL option for travelers stuck in the US and needing insurance coverage. The INF travel insurance policy is good if you are replacing an existing travel policy that has expired or maybe you didn't have an insurance policy to begin with. International students in the US, Snowbirds from Canada or the UK, tourists from European nations, even US green card holders can purchase these plans. Note that the INF traveler USA ONLY offers coverage in the US, while the INF Elite can be used in the US, Canada, and Mexico (even by US citizens who ordinarily reside outside the US). The INF traveler USA is quite affordable and many travelers and students are even buying this plan to complement their existing insurance option if it has limitations in coverage for COVID-19.
Please know we are here to help you make the best, informed decision to get coverage even for COVID-19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.
Insurance provider
INF
Policy maximum?
$100,000, $150,000

Deductible options?
$75, $250, $500
Premier Plan rating
AM Best Rating: A++
Premier Plan underwriter
Underwritten by ACE American Insurance Company (AAIC), a member of the Chubb Group of Companies.

INF Premier Plan Links

  • Brochure
  • Fixed Benefit Plan
  • Claims
  • Reviews
  • Renewal
  • Cancellation

Premier Plan insurance - Key Highlights

  • This fixed plan from INF provides full pre existing condition coverage which includes doctor appointments, blood tests, specialty care, urgent care visits and hospital stays.
  • Minimum purchase of 90 days is required with this plan.
  • Plan covers COVID-19..
  • Plan covers pregnancy and childbirth if the plan is purchased before conception, before the trip begins.

Premier Plan For Visitor Accident & Sickness Insurance

Pre-Existing Conditions is always a risky situation if you are not prepared for a medical emergency. The Premier plan offers two unique features:
  • The only Full Pre-Existing Insurance:-The Premier plan is the only short-term plan for Visitors which covers all pre-existing conditions.This means doctors appointments, blood tests & labs, specialist care, urgent care visits, & hospital stays are all covered for preexisting conditions.
  • The only Pre-Existing Insurance for Ages 70+ :-- The Premier provides the only pre-existing short-term medical insurance for ages up to 99 years old.
  • Premier plan provides policy maximum $100,000 covers pre-existing condition maximum of $20,000/$40,000 with deductible $1,000/$5000 and for policy maximum $150,000 covers pre-existing condition maximum of $30,000/$60,000 with deductible $1,000/$5,000 for age 0 to 69 years.
  • For age 70 to 99 years for policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.

INF Premier Plan insurance summary

What is the eligibility to buy Premier Plan Insurance?
Premier Plan insurance eligibility
  • This plan is available for Non-US Citizens & US Citizen Expatriates visiting the United States.
  • Minimum Enrolment should be 90 days to buy INF Premier Plan.
cancellationPremier Plan Cancellation
  1. Changes in dates can be made with no additional charge or penalty. This includes preponing or postponing coverage before the effective date of the plan. This is always our policy and will not changes
  2. Policies can be cancelled before the start date of the policy with a minimal $25 cancellation fee. If the insured has not started their trip due to unforeseen circumstances, they may be eligible to cancel the policy
    • For example, if a week has passed and they want cancel the policy- that is not possible. There's no cancellation of policy after start date
    • However, due to coronavirus- If it is day 1 of the policy only, we can still consider it for cancellation during this coronavirus period if the visitor has not yet begin their trip (on a case by case basis).
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Premier Plan Insurance Advantages

Premier Plan Insurance Covid19 travel insurance by INF for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.

Does Premier Plan Insurance cover covid illness?

INF Covid19 travel insurance by Premier Plan travel insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.


Premier Plan travel insurance plan benefits

Benefits Plan 100k Plan 150k
In-Patient Medical Services:Hospital Room (average semi-private) & Board, and Miscellaneous Charges up to $1,750 a day, to 30 days Charges up to $1,900 a day, to 30 days
Hospital Intensive Care Unit Charges up to $750 maximum additional a day, to 8 days Charges up to $850 maximum additional a day, to 8 days
Surgeon Charges up to $5,000 maximum Charges up to $6,000 maximum
Anesthetist Charges up to $1,250 maximum Charges up to $1,500 maximum
Assistance Surgeon Charges up to $1,250 maximum Charges up to $1,500 maximum
Doctor’s Non-Surgical Visits Charges up to $100 maximum a visit, 1 visit a day, to 30 visits Charges up to $125 maximum a visit, 1 visit a day, to 30 visits
Consultant Doctor, when requested by attending Doctor Charges up to $450 maximum Charges up to $500 maximum
Pre-Admission Tests within 14 days before hospital admission Charges up to $1,100 maximum Charges up to $1,200 maximum
Out-Patient : Surgical Room & Supply Expenses Charges up to $1,100 maximum Charges up to $1,200 maximum
Surgeon Charges up to $5,000 maximum Charges up to $6,000 maximum
Anesthetist Charges up to $1,250 Charges up to $1,500
Assistance Surgeon Charges up to $1,250 Charges up to $1,500
Doctor’s Non-Surgical Visits Charges up to $100 a visit maximum, 1 visit a day, to 10 visits Charges up to $125 a visit maximum, 1 visit a day, to 10 visits
Diagnostic X-rays & Lab Services Charges up to $650 maximum Charges up to $750 maximum
CAT Scan, PET Scan, or MRI Charges up to $650 additional Charges up to $1,000 additional
Hospital Emergency Room Charges up to $500 Charges up to $750
Prescription Drugs Charges up to $150 maximum Charges up to $200 maximum
Other Benefits :Ambulance Services Charges up to $450 maximum Charges up to $500 maximum
Rehabilitative Braces or Appliances Charges up to $1,100 maximum Charges up to $1,200 maximum
Dental Treatment injury to Sound, Natural teeth (Due to Accident) Charges up to $500 maximum. There are no benefits for dental services for immediate relief of pain. Charges up to $550 maximum. There are no benefits for dental services for immediate relief of pain.
Chemotherapy and/or Radiation Therapy Charges up to $1,150 Charges up to $1,250
Physical & Occupational Therapy Charges up to $45 a visit maximum, 1 visit per day to 12 visits Charges up to $50 a visit maximum, 1 visit per day to 12 visits
Private Duty Nurse Charges up to $500 maximum Charges up to $550 maximum
Pregnancy & Childbirth (Conception must occur after Trip begins) Charges up to $5,000 maximum Charges up to $5,500 maximum
Medical Evacuation $25,000 maximum $25,000 maximum
Repatriation of Remains $15,000 maximum $20,000 maximum
Accidental Death & Dismemberment $25,000 maximum $25,000 maximum

INF Provider network and how to find hospital or doctor?

INF maintains a wide network of health care providers.
First Health Care Provider Network
Quite often the travelers with international travel insurance claims have this question "My provider does not recognize First Health? How do I find someone who accepts this insurance?" When this happens- the travelers will feel frustrated and think their insurance is not worth the cost. The main reason why providers do not recognize or accept First Health PPO is because it is not a well known network within the medical billing system. However it is important to realize the First Health PPO is actually part of the "Aetna PPO Network" and INF plan works with "Aetna PPO" or First Health PPO Network.

On hospitalization or while making a claim with INF visitors insurance the traveler are requested to say "I have a health insurance plan which uses First Health / Aetna PPO Network. I found your contact in the Provider Directory. Do you accept plans which work with First Health / Aetna Network PPO? "

Do not say: "I have INF Visitor Accident & Sickness Insurance" or "I have Ace / AXIS Insurance." Providers WILL NOT recognize this language and may not accept the insurance.
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INF Premier Plan 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
  • COVID-19 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.

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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.

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