INF Premier Plus X Insurance Reviews
INF Premier Plus X visitor insurance is a premium fixed-benefit travel medical insurance plan offering full pre-existing condition coverage, preventive care, wellness benefits, and access to the UnitedHealthcare PPO network, starting at $902 for 3 months.
Trusted by thousands of travelers and families every year
INF Premier Plus X is underwritten by Crum & Forster SPC, a group rated A by AM Best for financial strength.
What Is INF Premier Plus X Travel Insurance?
INF Premier Plus X is a fixed-benefit travel medical insurance plan built for non-U.S. citizens and eligible Green Card holders traveling to the USA, Canada, Mexico, or anywhere outside their home country. It is best known for two things most visitor insurance plans don't offer together: full pre-existing condition coverage for travelers up to age 69, and wellness & preventive care benefits such as full-body physicals, routine checkups, and vaccinations.
The plan is underwritten by Crum & Forster SPC, rated A (Excellent) by A.M. Best, and administered by INF Plans. Coverage is available with a $100,000 or $300,000 medical maximum, and pays 90% of eligible expenses inside the UnitedHealthcare PPO network and 70% outside the network, after the deductible is met.
After buying the plan, travelers can get all the plan documents and id card through INF Premier Plus X login. At American Visitor Insurance, US Travelers can contact the INF Premier Plus X customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help get Best visitor insurance with full pre-existing condition benefits!
INF Visitor Insurance Reviews
"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!"
"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."
"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."
Eligibility Requirements
Citizenship & Residency
Designed for non-U.S. residents traveling to the United States, Canada, Mexico, or anywhere outside their home country. U.S. Green Card holders may also qualify if their primary residence is outside the United States.
Age Requirements
Available to travelers ages 0 to 69. The INF Premier Plus X plan is not available to travelers age 70 or older.
Coverage Duration
A minimum of 90 days is required. Coverage can be extended online, with INF plans generally offering up to 364 days of coverage.
Pre-Existing Conditions
INF Premier Plus X provides coverage for pre-existing conditions, subject to the plan's deductible, benefit maximums, exclusions, and policy terms. The plan also includes coverage for new illnesses and accidents.
Green Card Holders
Green Card holders may qualify when their primary residence is outside the United States. U.S. citizens and U.S. residents who permanently live in the United States are not eligible.
Who May Not Need This Plan?
Why You Can Trust INF Premier Plus X Insurance?
- Underwriter: Crum & Forster SPC - rated A (Excellent) by A.M. Best.
- Plan Administrator: INF, with claims handled by Robin Assist.
- PPO Network: UnitedHealthcare PPO - cashless, direct-billed care at in-network hospitals and doctors in the U.S.
- 24/7 Assistance: Round-the-clock claims support and travel medical assistance, day or night.
- Sold through: American Visitor Insurance (Crossborder Services, LLC), a licensed insurance agency.
An Overview of INF Premier Plus X Benefits
Non-U.S. citizens and eligible Green Card holders, ages 0-69, visiting the USA, Canada, Mexico, or traveling worldwide.
Full coverage up to age 69, up to $50,000 or $100,000 depending on the deductible chosen.
Preventive care such as annual physicals, routine checkups, and immunizations.
Covered with a $25 copay per visit at in-network facilities.
Injury-related dental treatment covered up to $550 on the $300,000 plan.
Emergency medical evacuation covered up to $45,000 on the $300,000 plan.
Coverage up to $1,000 for a covered trip interruption.
Accidental death & dismemberment principal sum of $25,000.
24/7 telehealth access for easy consultations from anywhere.
Pros & Cons of INF Premier Plus X Travel Insurance
Advantages
6 benefitsFull pre-existing condition coverage up to age 69, with no waiting period.
Wellness & preventive care benefits, including annual physicals and vaccines - rare among fixed-benefit plans.
Policy maximums up to $300,000, higher than the base INF Premier X Plus tier.
UnitedHealthcare PPO network access with cashless, direct-billed care.
Available to eligible Green Card holders as well as non-U.S. citizens.
Multi-country protection across the USA, Canada, Mexico, and worldwide.
Disadvantages
3 limitsFixed-benefit limits apply per service; charges above the schedule are the traveler's responsibility.
Age cap of 69 - travelers 70+ should consider INF Premier X instead, which covers up to age 99.
Not available to U.S. citizens or residents - for non-U.S. citizens and eligible Green Card holders only.
How Much Does INF Premier Plus X Insurance Cost?
INF Premier Plus X travel insurance costs range from $902 to $1,164 for a 3-month period, depending on the traveler’s age, selected policy maximum, and deductible. Premiums are higher for older travelers due to increased medical risk. Choosing a higher policy maximum increases the premium, while selecting a higher deductible can help lower the cost.
The table shows sample 3-month rates based on a $250 deductible. Choosing a higher deductible lowers the premium, while a lower deductible results in a higher premium.
Deductible: $250
Does INF Premier Plus X Cover Pre-Existing Conditions?
Yes. INF Premier Plus X provides full coverage for pre-existing conditions - not just the acute onset - for travelers up to age 69, with no waiting period. Pre-existing conditions are defined as any illness, disease, or condition that manifested, worsened, or required treatment in the 12 months before the policy start date. This makes the plan a strong option for parents and older travelers managing diabetes, high blood pressure, or other chronic conditions.
| Policy Maximum | Pre-Ex Deductible | Pre-Existing Condition Maximum |
|---|---|---|
| $100,000 / $300,000 | $1,000 | $50,000 |
| $100,000 / $300,000 | $5,000 | $100,000 |
The plan requires a minimum purchase of 90 days. Coverage does not extend to maintenance medications unrelated to a covered event, cancer treatment, dialysis, pregnancy or childbirth, or elective/planned procedures.
How Does INF Premier Plus X Insurance Work?
Suppose a visitor to the USA is hospitalized for 3 days and needs surgery, prescription drugs, and an X-ray. They chose the $300,000 plan with a $100 deductible. Here's what happens:
| Expense | Billed | Insurance Pays | You Pay |
|---|---|---|---|
| Deductible Paid once per certificate period | $100 | $0 | $100 |
| Hospital Stay (3 days) Paid up to $3,000/day, per the fixed benefit schedule | $9,000 | $9,000 | $0 |
| Surgery Paid per the fixed benefit schedule | $11,000 | $8,000 | $3,000 |
| Prescription Drugs | $2,000 | $300 | $1,700 |
| X-Ray | $1,400 | $1,150 | $250 |
| Total | $23,500 | $18,450 | $5,050 |
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.
Deductible paid once
The $100 deductible applies once per certificate period - not per visit or per service.
Fixed-benefit schedule
INF Premier X pays a fixed amount for each covered service, up to the policy maximum. You pay any amount above the scheduled benefit.
PPO lowers billed rates
UnitedHealthcare PPO network providers offer negotiated rates and cashless billing, helping lower your out-of-pocket costs.
Compare INF Premier Plus X vs. INF Premier X vs. INF Elite X
See how INF Premier Plus X compares with other popular INF visitor insurance plans for the USA, including INF Elite X and INF Standard X.
| Feature | INF Premier Plus X | INF Premier X | INF Elite X |
|---|---|---|---|
| Underwriter | Crum & Forster SPC | Crum & Forster SPC | Crum & Forster SPC |
| A.M. Best Rating | A | A | A |
| Plan Type | Fixed-benefit (scheduled payouts) | Fixed-benefit (scheduled payouts) | Comprehensive (percentage co-insurance) |
| Policy Maximum | $300,000 | $100,000 – $1,000,000 (ages 0-69); $75,000 (ages 70-99) | $150,000 – $1,000,000 (ages 0-69); $75,000 (ages 70-99) |
| Co-insurance (in-network) | Up to 100% usual and customary charges | Up to 100% usual and customary charges | 80% or 90% of charges up to the coverage |
| Pre-Existing Conditions | Full coverage to age 69 | Full coverage to age 99 | Full coverage to age 99 |
| PPO Network | UnitedHealthcare | UnitedHealthcare | UnitedHealthcare |
| COVID-19 Coverage | Covered as a new illness | Covered as a new illness | Covered as a new illness |
| Renewability | Up to 364 days | Up to 364 days | Up to 364 days |
| Starting Price | From ~$902/3 months | From ~$209/3 months | From ~$445/3 months |
| Explore Plan | View Plan » | View Plan » | View Plan » |
| Get Started | shopping_cart Buy Now | shopping_cart Buy Now | shopping_cart Buy Now |
- Coverage: INF Premier X and INF Elite X offer policy maximums up to $1,000,000, while INF Premier Plus X has a $300,000 policy maximum.
- Plan Structure: INF Premier Plus X and INF Premier X are fixed-benefit plans that provide scheduled payouts for covered services, while INF Elite X is a comprehensive plan based on percentage co-insurance.
- Pre-Existing Conditions: INF Premier Plus X provides full pre-existing condition coverage through age 69, while INF Premier X and INF Elite X offer full pre-existing condition coverage through age 99.
- PPO Network: All three INF plans provide access to the UnitedHealthcare PPO network.
- COVID-19 Coverage: COVID-19 is covered as a new illness under all three plans.
- Renewability: All three plans are renewable for up to 364 days.
- Starting Price: INF Premier Plus X starts at approximately $902 for 3 months, compared with approximately $209 for INF Premier X and $445 for INF Elite X.
- Overall: INF Premier X offers a balance of higher policy maximums and full pre-existing condition coverage through age 99 at a fixed-benefit price point. INF Premier Plus X provides a $300,000 maximum with full pre-existing condition coverage through age 69, while INF Elite X combines coverage up to $1,000,000 with a comprehensive co-insurance structure and full pre-existing condition coverage through age 99.
What Is the PPO Network of INF Premier Plus X Insurance?
A Preferred Provider Organization (PPO) is a network of vetted doctors, hospitals, and medical facilities contracted to offer discounted rates to insured travelers. INF Premier Plus X uses the UnitedHealthcare PPO network, a longstanding, tier-one network that gives travelers broad access to in-network doctors and hospitals across the U.S., with cashless, direct-billed care that reduces out-of-pocket costs.
How Do I File a Claim With INF Premier Plus X Insurance?
To file a claim with Premier Plus X, follow these steps:
INF Premier Plus X Visitor Medical Insurance – Frequently Asked Questions
Why Buy INF Premier Plus X Through American Visitor Insurance?
- check_circle American Visitor Insurance makes it easy to compare, understand, and purchase visitor medical insurance online. You can review INF Premier Plus X coverage options, deductibles, and plan benefits before purchasing your policy.
- check_circle Easy Plan Comparison and Purchase: Compare and buy INF Premier Plus X Insurance, review available policy maximums and deductibles, and purchase your plan online through American Visitor Insurance.
- check_circle Coverage for Pre-Existing Conditions: INF Premier Plus X is one of INF's plans that provides full pre-existing condition coverage, subject to the policy's definitions, exclusions, limitations, deductibles, and benefit maximums. The plan also covers new illnesses and accidents.
- check_circle Helpful Resources for Better Decisions: Access detailed FAQs, educational guides, and plan information to better understand INF Premier Plus X, including pre-existing condition coverage, deductibles, policy maximums, and other benefits.
- check_circle Experienced Customer Support: Our experienced support team helps travelers understand visitor insurance options, compare plan benefits and deductibles, and get assistance with policy and claims-related questions.
- check_circle Licensed & Trusted Platform: American Visitor Insurance is a licensed U.S.-based insurance platform (NJ License #1181604), helping travelers compare and purchase visitor insurance from established insurance providers.
Summary for INF Premier Plus X Visitor Insurance
INF Premier Plus X is a premium fixed-benefit travel medical plan for non-U.S. residents, offering full pre-existing condition coverage, preventive care, and worldwide protection:
- INF Premier Plus X insurance cost starting at $902 for 90 days With American Visitor Insurance.
- Full pre-existing condition coverage up to 69 years(fixed benefit amounts apply).
- Coinsurance the plan pays 100% up to usual and customary charges.
- Preventive & maintenance care includes full body physicals, routine checkups, and vaccines.
- Wellness annual benefit covers up to $200 for eligible preventive services.
- Cashless billing guaranteed via INF-Robin Assist at in-network facilities.
- $25 in-network urgent care copay.
- INF-Robin Assist concierge 24/7 appointment scheduling and care coordination.
- Telehealth access worldwide via Doctor Please.
- Coverage from 90 days to 364 days.
- COVID-19 coverage including related complications.
- Underwritten by Crum & Forster and administered by INF.
