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Best Full pre-existing travel medical insurance for non-US Citizens
INF Elite 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 provides coverage for full pre-existing conditions up to 99 years of age, as well as other benefits such as emergency medical evacuation, repatriation of remains, accidental death and dismemberment, and telemedicine. 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.
Yes, INF Elite travel insurance fully covers pre-existing conditions, not just acute onset. This makes it a top choice for elderly visitors and travelers with ongoing or chronic health issues.
INF Elite X insurance starts at $455 for a 3-month period, depending on the traveler’s age, selected coverage maximum, and deductible amount.
The INF Elite X plan costs more for older travelers, as they are more likely to require medical care while visiting the U.S. The premium also increases with a higher policy maximum, while selecting a higher deductible will reduce the premium.
Ages 0–69: Coverage options of $150,000 , $250,000, $300,000, $500,000, $1000,000
Ages 70–99: Coverage limited to $75,000
The table below shows a sample 3-month premium for the INF Elite X plan with a $250 deductible. Please note that the minimum enrollment period for this plan is 90 days
| Age of traveler | Maximum $150,000 | Maximum $250,000 | Maximum $300,000 | Maximum $500,000 | Maximum $1,000,000 |
|---|---|---|---|---|---|
| 18 - 29 years | $455 | $572 | $504 | $480 | $488 |
| 30 - 39 years | $550 | $693 | $613 | $581 | $592 |
| 40 - 49 years | $653 | $821 | $728 | $689 | $700 |
| 50 - 59 years | $962 | $1212 | $1080 | $1016 | $1033 |
| 60 - 69 years | $1369 | $1728 | $1544 | $1448 | $1473 |
For ages 70 – 79 years the cost is $3,238 per 3 months with medical maximum of $75,000 and deductible $250.
For ages 80 – 89 years the cost is $4,194 per 3 months with medical maximum of $75,000 with deductible $250.
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
| Hospital room and board help | Covered |
| Intensive care unit help | Covered |
| Surgery help | Covered |
| Urgent Care Visits | In Network: Covered with $25 copay Out Network: Covered with $50 copay |
| Assistant Surgeon help | Covered |
| Doctor’s Non-Surgical Visits | Covered |
| Consultant Doctor, when requested by attending Doctor | Covered |
| Pre-Admission Tests within 14 days before hospital admission | Covered |
| Surgical Room & Supply Expenses | Covered |
| Surgeon | Covered |
| Diagnostic X-rays & Lab Services (PET, CAT, and MRI scans) | Covered |
| Physiotherapy | $50 per visit up to a maximum of $500 |
| Chemotherapy and/or Radiation Therapy | Covered |
| Emergency Medical Treatment of Pregnancy | Covered |
| Dental Treatment injury to Sound, Natural teeth (Due to Accident) help | Covered |
| Pre-Existing Conditions | For age 0-69: $25,000, $30,000, $40,000, or $50,000 Maximum Benefit; subject to a $1,500, $2,000, $2,500, $5,000, or $10,000 deductibles. Pre-existing Conditions Sub-Limits: $15,000 Hospital/ICU Room & Board / $15,000 Hospital Miscellaneous / $15,000 Surgeries /$7,500 Hospital Emergency / $5,000 Assistance Surgeon Expenses / $500 Prescriptions For age 70-99: 20,000 Maximum Benefit; subject to a $1,500 Deductible |
| Accidental Death and Dismemberment help | $25,000 |
| 24/7 Travel Assistance Services | Included |
| Incurral Period | 90 days after the date of Injury/Sickness |
Yes. INF Elite X provides full coverage for pre-existing conditions, including chronic illnesses such as diabetes, hypertension, thyroid disorders, and heart disease. This sets it apart from most travel insurance plans that only cover acute onset.
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.
INF Elite 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 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.
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.
Yes, Green Card holders are eligible to enroll in the INF Plans as long as they maintain a residence outside the US.
Yes, people who are already in the US, can buy the INF plans, but they must get prior permission to apply for INF plans. To do this, they must submit the following forms:
The I-94 form is a government doc that can be filled out on line, they should choose “Get most Recent” on the website here: https://i94.cbp.dhs.gov/ and you should complete this “health attestation form”.
Note : Hop Travel Assist plans are not available if visitors are already in abroad
Yes, you can purchase INF travel medical insurance even if you have pre-existing conditions. INF offers Premier, Elite, Elite Plus and Elite 90 plans that provide coverage for pre-existing conditions. However, coverage for pre-existing conditions may have some limitations and exclusions depending on the plan and your specific condition. It is important to carefully review the policy details and ensure that the coverage meets your specific needs.
INF travel medical insurance for pre-existing conditions is a type of travel insurance that provides coverage for individuals who have pre-existing medical conditions.
The INF insurance plans are designed to provide coverage for medical emergencies and unexpected medical events that may occur while traveling. The plans include benefits such as hospitalization, doctor visits, prescription medication, emergency medical evacuation, and more.
INF offers several insurance plans for travelers with pre-existing conditions, including the INF Premier, INF Elite, INF Elite Plus and INF Elite 90. These plans have varying levels of coverage and benefits, so it is important to review each plan carefully to determine which one best fits your specific needs.
The cost of the INF visitors insurance will vary depending on the age of the traveler, the type of coverage and the length of your trip. Typically, visitor’s insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers seeking coverage for pre-existing conditions that INF insurance offers.
The INF Elite plan is a comprehensive travel medical insurance plan that offers coverage for emergency medical and dental expenses, medical evacuation, trip interruption, and other benefits for visitors to the USA. The INF Elite plan, INF Elite 90 plan and INF Elite Plus plan are all part of the Elite Network of plans offered by INF.
The INF Elite 90 plan is designed for travellers who need coverage of eligible medical expenses up to 90%.
The INF Elite Plus plan provides coverage for pre-existing conditions as defined in the plan, as per policy limitations, exclusions and maximums, with no benefit waiting period.
INF Elite Plus also provides Preventive & maintenance care benefits, which can be used for a number of different covered medical services and offers coverage for TDAP, Flu, etc Vaccines.
You can apply for INF insurance online through NRIOL. You can also call them at +1 (877) 340 7910 to get more information on how to apply for INF insurance from licensed insurance agents.
The maximum length of coverage for INF insurance is 364 days.
INF insurance is available for international visitors to the United States, Canada or Mexico.
The main requirements for applying for INF insurance is the travelers passport details and the travel dates. You can apply for INF insurance online on American Visitor Insurance or call +1 (877) 340 7910 to get help in applying for INF insurance.
Yes. INF Elite X uses a PPO network United Healthcare, which gives your parents access to cashless treatment at a wide range of hospitals and urgent care centers across the USA.
No medical check-up is required. However, it is important to accurately declare known medical conditions when enrolling to ensure the policy provides the correct protection.
The INF plans use the United Healthcare Preferred Provider Organisation (PPO). This means that even if the pre-existing coverage limit is low, customers will still be able to access the full PPO discounts via United Health Care (UHC).
For example : A customer has to go to the Emergency Room (ER) for blood pressure and get a bill of $10,000 and the customer has the INF HOP UltraPlus plan. Although the UltraPlus covers $700 for pre-existing, the customer will get the PPO discount on the bill since it is covered. This in itself can translate to very significant savings such as an 80% discount + $700 paid out. This means your total coverage was $8,700 and out of pocket expense is only $1,300.
Yes, INF Elite X is an excellent option for Indian parents, especially seniors, visiting the USA. It offers comprehensive medical coverage, including full coverage for pre-existing conditions, which is critical for older travelers with ongoing health issues.
Unlike fixed-benefit plans that pay limited amounts for each medical service, INF Elite X is a comprehensive plan that pays based on actual expenses up to the policy maximum. It offers better protection in case of serious or unexpected medical situations.
Unlike fixed-benefit plans that pay limited amounts for each medical service, INF Elite X is a comprehensive plan that pays based on actual expenses up to the policy maximum. It offers better protection in case of serious or unexpected medical situations.
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