INF Elite Plus X Plan Insurance Reviews

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INF Elite Plus Insurance Cost

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Including USA

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    Policy maximum
    Age 0-69: $150,000 to $300,000
    Age 70-99: $75,000

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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

  • sync

    Renewability
    Plan is renewable for a maximum of 364 days.

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    PPO Network
    United Healthcare Provider Network

🛡️INF Elite Plus X Insurance Reviews

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

INF Elite Plus X travel 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.
  • Covers Preventive and maintenance care, Wellness benefit, including full body physicals.
  • This plan includes Emergency medical evacuation, Repatriation of remains and AD&D benefits.
  • Plan pays 90% of eligible medical expenses within the UnitedHealthcare PPO network and 70% 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 Plus X login. At American Visitor Insurance, US Travelers can contact the INF 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!

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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 Plus 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 90% 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 $5,400 $600
Surgical $16,000 $16,000 $0
Prescription Drugs $600 $600 $0
Diagnostic X-rays & Lab Services $1,400 $1,400 $0
Total: $24,500 $23,400 $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.

🛡️ Plan details of INF Elite Plus X insurance

⚖️ Advantages & Disadvantages of INF Elite Plus Insurance

Elite Plus X Insurance Advantages:

  • Comprehensive Coverage: INF Elite Plus X is an overall coverage plan, including qualified medical costs up to the policy limit (after deductible). Pays 90% within the PPO network and 70% outside the PPO network, providing better cost protection than fixed-benefit plans.
  • Pre-Existing Condition Coverage: Offers full pre-existing condition coverage until age 99, making it one of the most senior-friendly visitor insurance products on the market.
  • Preventive & Maintenance Care: Includes coverage for preventive services and full body physicals, which is rare among visitor insurance plans.
  • PPO Network Access: Access to the UnitedHealthcare PPO network, which offers direct billing and discounted rates with in-network hospitals, clinics, and doctors.
  • Eligibility: Available for non-U.S. citizens of all ages up to 99 years, ideal for elderly parents and long-term visitors.
  • Strong Policy Maximums: Provides up to $1,500,000 in coverage, offering adequate protection for significant medical bills.
  • Additional Benefits: Include emergency medical evacuation, repatriation of remains, accidental death & dismemberment (AD&D), and telemedicine services.
  • Flexible Coverage Duration: Can be bought for 90 days to 364 days, so it is ideal for short- or extended-stay visits.
  • Multi-Country Coverage: Offers protection not only in the USA but also in Canada, Mexico, and globally, ideal for multi-nation travelers.

Elite Plus X Insurance Disadvantages:

  • Higher Premiums: Since a full pre-existing coverage and maximum policy limits are included as a comprehensive plan, premiums are more expensive than with 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.
  • Deductible & Coinsurance Apply: Travelers are required to pay the selected deductible, and cost-sharing is applied (90% in-network / 70% out-of-network) until the policy limit is attained.

📘 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 $50,000.
medical_services

Medical Evacuation

Emergency medical evacuation is covered up to $50,000

Find the Best INF Elite Plus X Plan for You

Compare coverage, benefits, and prices in seconds.

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

The INF Elite Plus X insurance cost per month ranges between $414 to $1,400 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, $300,000.
  • Ages 70–99: $75,000.

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

Age of traveler Medical Maximum $150,000 Medical Maximum $250,000
18 - 29 years $414 $460
30 - 39 years $501 $558
40 - 49 years $594 $662
50 - 59 years $874 $981
60 - 69 years $1,243 $1,400

For ages 70 – 79 years the cost is $3,567 for 3 months with medical maximum of $75,000 and deductible $250.

For ages 80 – 99 years the cost is $4,416 per 3 months with medical maximum of $75,000 with deductible $250.

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

Elite Plus 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 Plus X provide coverage for pre-existing conditions?

Yes, INF Elite Plus Insurance does cover pre-existing conditions for visitors traveling to the USA, Canada, or Mexico. It offers comprehensive protection for the worsening of pre-existing medical issues, giving travelers peace of mind during their trip. With flexible coverage limits and deductible options, this plan is especially suitable for elderly visitors and those with ongoing health concerns.

  • 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

❓INF Elite Plus X Visitor Insurance – FAQ’s

1. What is INF Elite Plus X 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

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

INF Elite Plus X provides coverage for travelers from 14 days old up to 99 years of age. It is one of the few U.S. visitor insurance plans designed to offer comprehensive protection, including pre-existing condition coverage, for both young children and senior travelers.

3. Does INF Elite Plus X Insurance cover covid illness?

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

4. How is the deductible paid and how is the plan maximum offered for INF Elite Plus X 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.

5. Does INF Elite Plus X include telehealth services?

Yes, the plan includes 24/7 telehealth access through Doctor Please!, allowing virtual consultations with licensed providers worldwide.

6. Is there a waiting period for pre-existing conditions in INF Elite Plus X?

No, there’s no waiting period of coverage for acute onset or worsening of stable pre-existing conditions begins from day one.

7. 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.

8. What are the benefits and limits of INF Elite Plus X 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.

9. Can I cancel INF Elite Plus X after purchase?

Yes, you may cancel for a full refund (minus a $25 fee) before the policy’s effective date, but it’s non-refundable once coverage begins.

10. Does Elite Plus X travel insurance cover heart attacks or cardiac emergencies?

Yes, Elite Plus X covers heart attacks and other cardiac emergencies as part of its full pre-existing condition coverage, which applies to insureds up to age 99. Eligible treatment related to pre-existing heart conditions is included, subject to the plan’s policy limits and deductible.
Learn more »

💡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 Plus X Insurance?

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

📄

Download Form
Get INF Elite Plus 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 Plus X Insurance Related Coverage

INF Elite X insurance

Full Pre-existing condition
  • 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 Plus X Insurance

INF Elite Plus X is a premium comprehensive travel medical plan for non-U.S. residents, offering full pre-existing condition coverage, preventive care, and worldwide protection.

  • Covers 90% of eligible medical expenses
  • INF Elite X Plus insurance starts at $906 for 90 days With American Visitor Insurance
  • Preventive & maintenance care includes full body physicals, routine checkups, and vaccines
  • Wellness annual benefit covers up to $200 for eligible preventive services
  • Designed for international visitors, including parents, relatives, and long-term travelers to the USA
  • Coinsurance: In-network pays 90% of eligible expenses; Out-of-network pays 70% 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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