INF Elite X Plan Insurance Reviews

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INF Elite X insurance cost

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Including USA

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    Policy maximum
    $150,000 , $250,000, $300,000, $500,000, $1000,000.

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    Deductible
    $100, $250, $500, $1,000, $2,500, or $5,000

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    Comprehensive plan
    Benefits for covered medical expenses go all the way up to the plan maximum

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    Renewability
    Plan is renewable for a maximum of 364 days.

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    PPO Network
    United Healthcare Provider Network

🛡️INF Elite X Insurance Reviews

Ideal for: Non US Citizens or residents traveling to the USA.

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.

⭐ Ratings & Underwriter
  • Ratings: A by A.M. Best
  • Underwriter: Crum & Forster SPC
Key Features:
  • Coverage for pre-existing conditions up to 99 years of age.
  • Coverage duration from 90 days up to 364 days.
  • 24/7 telemedicine services.
  • This plan includes Emergency medical evacuation, Repatriation of remains and AD&D benefits.
  • Plan pays 80% of eligible medical expenses within the UnitedHealthcare PPO network and 60% of covered medical charges outside the PPO network (after deductible).

After buying the plan, travelers can get all the plan documents and id card through INF Elite X login. At American Visitor Insurance, US Travelers can contact the INF Elite X customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!

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⭐ INF visitor insurance reviews

Cupa

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!"

Amelia

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."

Jennifer

Jennifer

"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 INF Elite X Insurance Plan Works?

Consider an example where your:
  • Insurance Coverage Limit: $50,000 (not hit in this example)
  • Total Medical Claims: $24,500
  • Deductible: $500 per certificate period (paid by insured)
  • Eligible Expenses After Deductible: $24,000 ($24,500 - $500)
  • Coinsurance: Insurance pays: In network 80% of eligible expenses

Below is a simple calculation showing how much the plan or insurance company pays for your expenses.

Expense Billed Insurance pays You Pay
Deductible $500 $0 $500
Hospital Stay (for 3 days) $6,000 $4,800 $1,200
Surgical $16,000 $16,000 $0
Prescription Drugs $600 $600 $0
Diagnostic X-rays & Lab Services $1,400 $1,400 $0
Total: $24,500 $22,800 $1,700

* 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.

🛡️ Plan details of INF Elite X insurance

⚖️ Advantages & Disadvantages of INF Elite Insurance

Elite X Insurance Advantages:

  • Comprehensive Coverage: Unlike fixed-benefit plans, INF Elite is a comprehensive plan, meaning it covers 80% of eligible medical expenses (after deductible) within the PPO network, up to the policy maximum. This provides broader protection compared to fixed-benefit options.
  • Pre-Existing Condition Coverage: Provides coverage for full pre-existing conditions for travelers up to 99 years old. This is especially valuable for seniors and those with ongoing health concerns.
  • Wide Eligibility: Available for visitors of all ages up to 99 years, making it an excellent choice for parents and elderly travelers to the U.S.
  • PPO Network Access: Members can access care through the UnitedHealthcare PPO network, which offers direct billing and discounted rates at in-network hospitals, clinics, and doctors.
  • Flexible Policy Maximums: Travelers can choose coverage levels ranging from $150,000 up to $1,000,000. For seniors aged 70–99, a $75,000 maximum is available, giving flexibility based on budget and medical needs.
  • Urinary Tract Infection (UTI) Coverage: Provides up to $2,000 coverage specifically for treatment of urinary tract infections, which is a common medical issue for older travelers.
  • Multi-Country Coverage: The plan provides protection not only in the USA, but also in Canada, Mexico, and worldwide, making it ideal for multi-country trips.

Elite X Insurance Disadvantages:

  • Higher Premiums: Being a comprehensive plan with pre-existing coverage, premiums are higher compared to fixed-benefit or acute onset only plans.
  • Not for U.S. Citizens or Residents: The plan is only available for non-U.S. citizens visiting the United States. U.S. citizens, green card holders, or permanent residents are not eligible.

📘 An Overview of Elite X Insurance

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Eligibility

Available for non-U.S. citizens and non-U.S. residents traveling to the USA, Canada, or Mexico.
cardiology

Pre-existing Condition

Covers full pre-existing conditions up to 99 years.
sync

Renewability

the plan is renewable up to 364 days
local_hospital

Urgent Care

In Network: Covered with $25 copayOut Network: Covered with $50 copay
baby_changing_station

Return of mortal remains

Covers up to $20,000.
medical_services

Medical Evacuation

Emergency medical evacuation is covered up to $25,000

Find the Best INF Elite X Plan for You

Compare coverage, benefits, and prices in seconds.

💵 How Much Does INF Elite X Insurance Cost Per Month?

The INF Elite X insurance cost per month ranges between $455 to $1,473 for 3 months, based on:

  • Traveler’s age
  • Selected policy maximum
  • Deductible amount

Older travelers have higher premiums due to increased medical risk. Choosing a higher maximum increases the premium, while a higher deductible lowers it.

  • Ages 0–69: $150,000 , $250,000, $300,000, $500,000, $1000,000.
  • Ages 70–99: $75,000.

Example: Below is the 3-month cost of INF Elite X insurance of coverage with a $250 deductible, provided by American Visitor Insurance.

Age of traveler Medical Maximum $150,000 Medical Maximum $300,000 Medical Maximum $1,000,000
18 – 29 years $455 $504 $488
30 – 39 years $550 $613 $592
40 – 49 years $653 $728 $700
50 – 59 years $962 $1,080 $1,033
60 – 69 years $1,369 $1,544 $1,473

For ages 70 – 79 years the cost is $3,238 for 3 months with medical maximum of $75,000 and deductible $250.

For ages 80 – 99 years the cost is $4,194 per 3 months with medical maximum of $75,000 with deductible $250.

🏥 What Is the PPO Network of INF Elite X Insurance?

Elite X travel insurance - Provider network and how to find hospital or doctor?

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.

First Healthcare Provider Network

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.

local_hospitalFind PPO Network Providers »

❓Have questions?

Our support team is ready to assist you.

💵 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.

❓INF Elite X Visitor Insurance – FAQ’s

1. What are the eligibility and requirements for INF Elite X travel insurance?

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.

2. Does INF Elite X Travel Insurance cover quarantine benefit or emergency medical evacuation for Covid19?

No, INF Elite X Travel Insurance does not cover quarantine benefit or emergency medical evacuation for Covid19.

3. Does INF Elite X Travel Insurance cover pre-existing conditions related to 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.

4. Can I cancel the INF Elite X plan and get a refund?

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.

5. How much does INF Elite X Travel Insurance cost?

The cost of the insurance depends on many factors including age, coverage length, the limit of the plan, and deductibles. The plan offers policy maximum of $150,000 , $250,000, $300,000, $500,000, $1000,000 for ages 0–69 and $75,000 coverage limit for ages 70–99. 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.

6. What is the advantage of buying INF Elite X Insurance?

Elite Insurance Covid19 travel insurance by INF for coronavirus will cover eligible medical expenses resulting from covid19/SARS-CoV-2.

7. Does INF Elite X Insurance cover covid illness?

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.

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

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.

9. 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.

10. Why to buy INF Elite X travel medical insurance for Pre-Existing Conditions?

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.

💡Why should I buy INF travel insurance on American Visitor Insurance?

American Visitor Insurance has developed comparison tools to help travelers compare prices and benefits of different INF travel insurance plans (INF premier vs Elite) easily and make an informed decision of the best INF travel insurance plan for your specific requirements. American Visitor Insurance's licensed customer support staff help customers by providing answers to any queries or concerns while buying INF travel insurance. The customer support staff are available at all times to help you with the online application process as well as to help customers while filing for INF insurance claims should you need to use the insurance coverage while in the USA.

📝 How do I file a claim with INF Elite X insurance?

To file a claim with INF Elite X Insurance, follow these steps:

📄

Download Form
Get INF Elite X claim form online

📞

Call Support
888-207-1694 or WhatsApp at 380-234-2040

✉️

Submit Documents
Mail to Robin Assist, P.O. Box 211879, Dallas, TX 75211.

📧

Email Help
claims@robinassist.com

📋 INF Elite X Insurance Related Coverage

INF Elite Plus X insurance

Preventive care
  • Plan will pay 90% of eligible medical expenses.
  • Covers Preventive & maintenance care and coverage for full body physicals.
Details

INF Elite 90 X insurance

Full Pre-existing condition
  • Plan will pay 90% of eligible medical expenses.
  • This plan provides coverage for full pre-existing conditions up to 99 years of age.
Details

✈️ Summary for INF Elite X Insurance

INF Elite X travel medical plan designed for non-U.S. residents traveling worldwide, including the USA, offering broad coverage with full pre-existing condition benefits.

  • Covers 80% of eligible medical expenses.
  • INF Elite X insurance starts at $324 for 90 days With American Visitor Insurance.
  • Full pre-existing conditions covers up to 99 years.
  • Designed for international visitors, including parents, relatives, and long-term travelers to the USA.
  • Coinsurance: In-network pays 80% of eligible expenses; Out-of-network pays 60% of usual, reasonable & customary charges.
  • $25 in-network urgent care copay.
  • Worldwide coverage, including the USA, available for ages 0 to 99 years.
  • Emergency medical evacuation covers up to $25,000.
  • Urinary tract infection covered up to $2,000.
  • Covers Emergency medical treatment of pregnancy.
  • Coverage available from 90 days up to 365 days, ideal for extended stays.
  • Cashless billing guaranteed via INF-Robin Assist.
  • Direct billing through UnitedHealthcare PPO network.
  • Telehealth access worldwide via Doctor Please.
  • Specialist visits with direct billing via INF-Robin Assist.
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