INF Elite X travel insurance

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Ratings
A by A.M. Best
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Underwriter
Crum & Forster SPC

Ideal for Full Pre-Existing conditionsVisitors Worldwide Outside of USA

Elite X review

INF Elite 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 offers coverage for minimum of 90 days up to 364 days. Plan will pays 80% of eligible medical expenses up to the policy maximum inside PPO network and the plan will pay 60% of eligible medical expenses outside of the PPO network after the deductible met for United Healthcare PPO network.

At American Visitor Insurance, US Travelers can contact the Elite X customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!

  • picture_as_pdf Brochures
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  • signal_cellular_alt Comprehensive
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INF Elite X visitor benefits - Key Highlights

  • This comprehensive plan from INF.
  • Pre-Existing Complications from COVID-19 Covered
  • Telehealth worldwide via Doctor
  • $25 In-Network urgent care copay
  • Stable Pre-Existing Conditions are Covered as New Sickness
  • Covers 80% of Eligible Medical Expenses
  • Acute Onset is Considered New Sickness

Customer 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 X Insurance

  • Elite X Insurance Advantages
    • 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 X Insurance Disadvantages
    • This plan is not available to US residents.

An Overview of INF Elite X Insurance

Eligibility

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

Renewability

  • Elite 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 X Plan insurance has a range of deductible options from $50 to $5k.

A working example of using INF Elite X Plan insurance*

Consider an Elite Plan A example where your:

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    Insurance coverage $75,000

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    Deductible $500 per certificate period

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    Medical expenses Claims$14,500

Below is a simple calculation showing how much the plan/insurance company pays you:
  1. Subtract the deductible from claims amount - $14,500 minus $500 equals $14,000.Insured bears $500.
  2. The insurance provider pays fixed amounts based on the schedule of benefits (as shown in the table) and you have to pay the remaining balance.
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
* 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

INF Elite X Insurance - FAQ's

01. 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.

02. 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.

03. 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.

04. 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.

05. 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 three options for the limit of the plan: $50K, $100K, and $150K. 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.

06. 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.

07. 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.

08. 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.

09. 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.

INF Elite X Plan - PPO network

INF Elite X Plans - Provider network and how to find hospital or doctor? United Healthcare Provider Network

Find a network doctor, hospital, lab or health care provider in your area. Health care providers who are in our network have agreed to charge lower prices, which helps lower your health care costs.

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INF Insurance related coverage

INF Elite Plus X insurance

Preventive careFull Pre-existing condition

  • Plan will pays 90% of eligible medical expenses.
  • This plan offers coverage for minimum of 90 days up to 364 days.
  • Covers Preventive & maintenance care and coverage for full body physicals.

INF Elite 90 X insurance

Comprehensive planFull Pre-existing condition

  • Plan will pays 90% of eligible medical expenses.
  • This plan offers coverage for minimum of 90 days up to 364 days.
  • This plan provides coverage for full pre-existing conditions up to 99 years of age.
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