🛡️ INF Elite 90 X Travel Insurance Review
The INF Elite 90 X Travel Insurance is a comprehensive medical insurance plan designed for non-U.S. citizens visiting the USA, Canada, Mexico, or traveling worldwide outside their home country.
⭐ Ratings & Underwriter- Ratings: A by A.M. Best
- Underwriter: Crum & Forster SPC
- Best for: Visitors to the USA who need full pre-existing condition coverage
- Full pre-existing condition coverage – available up to age 99
- Emergency medical evacuation and repatriation of remains
- Accidental death & dismemberment (AD&D) coverage
- Telemedicine access for convenient medical consultations
- Comprehensive protection for unexpected travel medical needs
At American Visitor Insurance, US Travelers can contact the Elite 90 X Customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you
✨ INF Elite 90 X Visitor Benefits – Key Highlights
- This is a comprehensive plan from INF
- Covers 90% of eligible medical expenses.
- Pre-existing complications from covid-19 covered.
- There is a minimum purchase of 90 days required to buy this plan.
- Covers all new medical conditions.
- Stable pre-existing conditions are covered as new sickness.
- Acute onset is considered new sickness.
🌍 INF Elite 90 X Insurance Reviews
Pranav
"I’ve been using INF every time my parents have come and visited for the last 18 years, or pretty much since Y2K. They are a community-based company and I can really tell they care for their customers. I’ve met many of their team members throughout the years, all of them are courteous and helpful in getting the claims paid and going the extra mile if there’s some sort of paperwork issue."
Anjali
"I had a great experience with INF. They covered a Covid test for my mom who was feeling sick right after she came on her flight. Luckily she tested negative. I was happy with the overall service and cashless service. Always happy to recommend INF to friends and family!"
Joanna
"I purchased this travel health insurance for my parents during their stay in the United states. The purchasing procedure was really quick and simple. I contacted support to get a breakdown of all the plans so I could choose the one that best suits my parents, and their support staff responded quickly."
👨⚕️ How Elite 90 X Plan Works?
- Insurance Coverage Limit: $75,000 (not hit in this example)
- Total Medical Claims: $14,500
- Deductible: $500 per certificate period (paid by insured)
- Eligible Expenses After Deductible: $14,000 ($14,500 - $500)
- Coinsurance: Insurance pays In network: 90% of eligible expenses
Below is a simple calculation showing how much the plan/insurance company pays you:
| Expense | Billed | Insurance pays | You Pay |
|---|---|---|---|
| Deductible | $500 | $0 | $500 |
| Hospital Stay (for 3 days) | $6000 | $5,400 | $600 |
| Surgery | $6000 | $6000 | $0 |
| Prescription Drugs | $600 | $600 | $0 |
| Diagnostic X-rays & Lab Services | $1,400 | $1,400 | $0 |
| Total: | $14,500 | $13,400 | $1,100 |
* Disclaimer: We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.
🔍 Who Should Buy INF Elite 90 Travel Medical Insurance?
The INF Elite 90 plan is designed for international travelers, especially those visiting the USA, Canada, or Mexico, who need full pre-existing condition coverage, not just acute onset protection. Based on numerous INF plans reviews, this policy stands out for its suitability for seniors, long-term visitors, and travelers with ongoing health needs.
Senior Travelers (Ages 70–99)
- Most visitor insurance plans limit or exclude pre-existing conditions for seniors, but INF Elite 90 covers them up to $20,000.
- Ideal for parents or grandparents visiting family in North America.
- Suitable for seniors with chronic issues like heart disease, diabetes, or hypertension often mentioned positively in INF travel insurance reviews.
Travelers With Ongoing Health Conditions: If you have known medical conditions that may need care during your trip (not just emergencies), Elite 90 is a good fit.
Visitors Staying for an Extended Period: Requires a minimum purchase of 90 days, renewable up to 364 days.
Who May Not Need Elite 90
- Healthy travelers without pre-existing conditions may find other INF plans (like Premier or Standard) more cost-effective.
- Short-term visitors (less than 90 days) cannot buy Elite 90
💵 How Much Does INF Elite 90 X Insurance Cost Per Month?
The cost of INF Elite 90 X insurance starts at $525 for a 3-month period. Pricing depends on the traveler’s age, chosen coverage maximum, and deductible.
The INF Elite 90 X plan premiums are higher for older travelers, as they are more likely to require medical care while visiting the U.S. Choosing a higher deductible reduces the premium.
Coverage Options
- Ages 0–69: $150,000 – $1,000,000
- Ages 70–99: Limited to $75,000
| Age of traveler | Medical Maximum | ||||
|---|---|---|---|---|---|
| $150,000 | $250,000 | $300,000 | $500,000 | $1,000,000 | |
| 18 – 29 years | $525 | $659 | $583 | $553 | $562 |
| 30 – 39 years | $636 | $799 | $708 | $671 | $682 |
| 40 – 49 years | $754 | $948 | $841 | $795 | $809 |
| 50 – 59 years | $1,112 | $1,402 | $1,250 | $1,174 | $1,195 |
| 60 – 69 years | $1,584 | $2,001 | $1,787 | $1,675 | $1,705 |
For ages 70 – 79 years the cost is $3,786 for 3 months with medical maximum of $75,000 and deductible $250.
For ages 80 – 89 years the cost is $4,860 for 3 months with medical maximum of $75,000 with deductible $250.
⚖️ Advantages & Disadvantages of INF Elite 90 X Insurance
✅ Elite 90 X Insurance Advantages
- Covers 90% of eligible medical expenses.
- Comprehensive plan covers full pre-Existing Conditions up to 99 years.
- Stable Pre-Existing Conditions are Covered.
- Cashless Guaranteed via INF-Robin Assist.
- $25 In-Network Urgent Care Copay.
❌ Elite 90 X Insurance Disadvantages
- This plan is not available to US residents.
📝 INF Elite 90 X Insurance Overview
verified Eligibility
Available for Non-U.S. Citizens and U.S. expatriates visiting the United States.
cached Renewability
Elite 90 X Plan Insurance can be renewed up to 364 days.
cardiology Pre-existing condition
This plan provides full coverage for pre-existing conditions up to age 99
payments Deductible
Elite 90 X Plan insurance has a range of deductible options from $75 to $5,000
Plan details of INF Elite 90 X insurance
❓ INF Elite 90 X Plan Insurance – FAQs
Elite 90 Insurance Covid19 travel insurance by INF for coronavirus will cover eligible medical expenses resulting from covid19/SARS-CoV-2.
Yes. COVID-19 testing, treatment, and complications are covered, including those related to pre-existing conditions. This has been mentioned positively in recent INF elite insurance reviews after travelers experienced smooth claims for pandemic-related care.
INF Elite 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.
No. Emergency or acute-onset events related to pre-existing conditions are covered from day one, provided the condition was stable for the 12 months before coverage began. There's no waiting period for those pre-existing emergencies.
Yes. Many INF visitor insurance reviews highlight Elite 90 as one of the best options for seniors (ages 70–99), with coverage up to $20,000 for pre-existing conditions and flexible policy lengths for extended visits.
🏥 What Is the PPO Network of INF Elite 90 X Insurance?
INF Elite 90 X Plans - Provider network and how to find hospital or doctor?
INF Elite 90 X insurance partners with the UnitedHealthcare PPO network, giving travelers nationwide access to a vast network of doctors, hospitals, and specialists. Choosing in-network providers not only expands the healthcare options but also helps you to save money through discounted rates and lesser out-of-pocket costs.
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