INF Elite 90 X insurance reviews, INF insurance reviews, INF visitor insurance reviews

INF Elite 90 X travel insurance

Ratings
A by A.M. Best

Underwriter
Crum & Forster SPC

Ideal for Full Pre-Existing conditionsVisitors to USA

Elite 90 X review

INF Elite 90 X Travel 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 full 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.

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!

Brochures
INF Elite 90 X insurance brochures
View INF Elite 90 X insurance brochures in different age groups

Description document age 0-69

Description document age 70-99
Benefits
Comprehensive
Comprehensive
Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.
These plans do not have benefit limits based on the type of medical expense.
Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)
Cancellation

INF Elite 90 X visitor benefits - Key Highlights

This 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.

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 INF Elite 90 insurance

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

Does INF Elite 90 covers Pre-existing condition coverage?

The INF Elite Plan is one of the few U.S. visitor insurance options that provides full coverage for pre-existing medical conditions, not just acute onset. It includes doctor visits, hospital stays, urgent care, specialist consultations, and prescription drugs, as long as they are not routine check-ups or maintenance medications.

For Ages 0–69 : Maximum Benefit Options: $25,000, $30,000, $40,000, or $50,000
For Ages 70–99 : Maximum Benefit: $20,000; Deductible choices: $1,500, $2,000, $2,500, $5,000, or $10,000
Pre-existing Condition Sub-Limits :

$15,000 – Hospital/ICU Room & Board
$15,000 – Hospital Miscellaneous
$15,000 – Surgeries

$7,500 for Hospital Emergency
$5,000 for Assistant Surgeon
$500 for Prescriptions

How Much does INF Elite 90 X Insurance Cost?

INF Elite 90 X insurance starts at $525 for a 3-month period, depending on the traveler’s age, selected coverage maximum, and deductible amount.

The INF Elite 90 X plan costs more for older travelers, as they are more likely to require medical care while visiting the U.S. The premium also increases with a higher policy maximum, while selecting a higher deductible will reduce the premium.

Ages 0–69: Coverage options of $150,000 , $250,000, $300,000, $500,000, $1000,000.
Ages 70–99: Coverage limited to $75,000.

The table below shows a sample 3-month premium for the INF Elite 90 X plan with a $250 deductible. Please note that the minimum enrolment period for this plan is 90 day.

Age of traveler	Maximum $150,000	Maximum $250,000	Maximum $300,000	Maximum $500,000	Maximum $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.

INF insurance reviews

Reviews, Ratings and Experiences

"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."

| Pranav

"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!"

| Anjali

"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."

| Joanna

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.

An Overview of INF Elite 90 X Insurance

Eligibility

It provides coverage for Non-US Citizens and US Citizen Expatriates visiting the United States.

Renewability

Elite 90 X Plan Insurance can be renewed up to 364 days.

Pre-existing condition

This plan provides coverage full pre-existing conditions up to 99 years of age.

Deductible

Elite 90 X Plan insurance has a range of deductible options from $75 to $5k.

A working example of using INF Elite 90 X Plan insurance

Consider an Elite 90 X Plan A example where your:

full_coverage
Insurance coverage $75,000
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Deductible $500 per certificate period
draft
Medical expenses Claims$14,500

Below is a simple calculation showing how much the plan/insurance company pays you:

Subtract the deductible from claims amount - $14,500 minus $500 equals $14,000.Insured bears $500.

Expense	Amount billed	Amount Insurance Pays	Amount Insured Owes
Deductible	$500	$0	$500
Hospital Room & Board including Laboratory Tests, X-rays, Prescription Medical and other miscellaneous	$2,000/day for 3 days	Up to $1,600/day, 3 day maximum	$1,200
Surgical Treatment	$6,000	$4,800	$1,200
Prescription Drugs	$600	$480	$120
Diagnostic X-rays & Lab Services	$1,400	$1,120	$280
Total:	$14,500	$11,200	$3,300

Plan details of INF Elite 90 X insurance

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INF Elite 90 X Plan Insurance - Common Questions

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.

INF Elite 90 X Plan - PPO network

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.

local_hospital Find Provider Network