INF Elite Plus 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 conditionsPreventive care

Elite Plus X review

INF Elite Plus 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.

At American Visitor Insurance, US Travelers can contact the Elite Plus 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 Plus X visitor benefits - Key Highlights

  • This comprehensive plan from INF.
  • Covers Preventive & maintenance care and coverage for full body physicals.
  • Coverage for TDAP, Flu, etc Vaccines.
  • Stable pre-Existing conditions are covered as new sickness.
  • Includes dental discount plan.
  • Acute onset is considered new sickness.
  • Urgent care & doctor visit arranged by MeMD.

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 Plus X Insurance

  • Elite Plus 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.
    • Covers Preventive & maintenance care.
  • Elite Plus X Insurance Disadvantages
    • This plan is not available to US residents.

An Overview of INF Elite Plus X Insurance

Eligibility

  • It provides coverage for Non-US Citizens & anyone visiting USA ,Canada, Mexico and traveling worldwide outside their home country.

Renewability

  • Elite Plus 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 Plus X Plan insurance has a range of deductible options from $100 to $5k.

A working example of using INF Elite Plus X Plan insurance*

Consider an Elite Plus X 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 Plus X insurance

INF Elite Plus X Insurance - FAQ's

01. What is the advantage of buying INF Elite Plus Insurance?

Elite Plus Insurance Covid19 travel insurance by INF for coronavirus will cover eligible medical expenses resulting from covid19/SARS-CoV-2, Preventive & maintenance care and coverage for full body physicals.

02. Does INF Elite Plus Insurance cover covid illness?

INF Covid19 travel insurance by Elite Plus travel insurance for the coverage will cover eligible medical expenses.

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

INF Elite Plus 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.

04. 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.

05. What is INF Elite Plus Insurance?

INF Elite Plus Insurance is a comprehensive travel insurance plan for non-U.S. residents and non-U.S. citizens who are traveling to the United States, Canada, or Mexico. The plan covers COVID-19 like any new sickness, as well as pre-existing conditions related to COVID-19, such as worsening pre-existing conditions or acute onset of pre-existing conditions. The plan also covers preventive care and full body physicals

06. What are the benefits and limits of INF Elite Plus Insurance?

INF Elite Plus Insurance offers three options for the policy maximum: $150k, $250K, and $300K. The deductible options are $50, $100, $250, $500, $1K, $2.5K, and $5K. The plan pays 80% or 90% 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. The plan also provides coverage for repatriation of remains, medical evacuation, accidental death and dismemberment, rental car coverage, financial default protection, and more. The plan has a maximum limit of $25,000 for pre-existing conditions with a deductible of $1.5K. You can compare the INF Elite Plus insurance benefits on American Visitor Insurance.

07. How can I cancel or extend INF Elite Plus Insurance?

You can cancel or extend INF Elite Plus Insurance online. You can cancel your plan before the effective date for a full refund, or after the effective date for a prorated refund minus a cancellation fee of $25. You can extend your plan for any amount of time after the initial coverage period, as long as you have not filed any claims.

INF Elite Plus X Plan - PPO network

INF Elite Plus 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 X insurance

Visitors Worldwide Outside of USAFull Pre-existing condition

  • Plan will pays 80% of eligible medical expenses.
  • This plan offers coverage for minimum of 90 days up to 364 days.
  • $25 In-Network urgent care copay

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.