Travel health insurance
There are several travel health insurance plans available for the visitors traveling outside their home country. These plans usually cover unexpected travel and medical emergencies. They cover sickness and injury as well as have benefits for repatriation and evacuation, luggage loss and delay and trip interruption.
However, one of the most important benefit that most travelers, in particular older travelers need is the coverage for pre-existing medical conditions. While there are several comprehensive travel insurance plans that provide coverage for acute onset of pre-existing conditions, there are many restrictions for older age groups.
INF travel insurance plans offer the most comprehensive coverage for acute onset of pre-existing conditions and accident and sickness for travelers visiting their families in the US and Canada. This relieves the stress of choosing insurance plans with pre-existing coverage and gives the travelers confidence to travel outside their home country. These plans serve many people who are visitors and who specifically need coverage for pre-existing conditions.
Some plans cover even the routine checkup associated with the pre-existing conditions. This pre-existing condition coverage makes INF plans unique when compared to other travel insurance options. INF plans are therefore ideal for US citizens going outside of the US and other foreign nationals traveling to the US or Canada.
What does visitor travel insurance cover?
Health care expenses
Covers hospital expenses for sickness or accidents.
Doctor visit
Insures Doctor visits for sudden injury or sickness.
Pharmacy drugs
Doctor prescribed eligible pharmacy drugs expenses.
Pre-existing conditions
Some plans insure acute onset of pre-existing conditions coverage.
Medical evacuation
Medical evacuation expenses to nearest facility included.
Repat of remains
Repatriation of remains to home country included.
Resourceful tourist insurance USA information
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Claims process for expenses due to injury or sickness
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Guide to buying the best international travel insurance
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Commonly used international travel medical insurance terms
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INF travel insurance
Let's have a look at the fixed benefit INF plans:
- INF Premier plan:
This is a fixed plan that is available for US citizens traveling outside of the US and foreign nationals coming to the US. This plan is available with a policy maximum of $150K, $250K and $300K and the deductible options of $75 to $5000 and for age 70-99 covers policy maximum of $100K and the deductible options of $250 to $5000. This plan covers pre existing conditions which includes coverage for blood test, lab work, hospital stay...apart from other benefits for unexpected medical incidents.
People up to age 99 receive coverage for pre existing conditions. People in the age range of 0-69 receive pre existing benefit in the range of $20K/$30K/$40K/$50K/$60K/$100K subjected to the deductible of $1000 and $5000. For people above the age of 70, coverage is available for $15K/$25K subjected to deductible of $1000/$5000.
- INF Standard plan:
This plan provides a policy maximum of $150K for people in the age range of 0-69 and maximum of $50K and $100K is available for people from 70-99. No coverage for pre existing conditions is available with this plan.
The following are the comprehensive INF plan options:
- INF Elite insurance:
This is a comprehensive plan that is available for US citizens traveling outside of the US and foreign nationals coming to the US. This plan is available with a policy maximum of $150K, $250K and $300K and the deductible options of $50 to $5000 and for age 70-99 covers policy maximum of $75K and the deductible options of $250 to $5000. This plan covers pre existing conditions which includes coverage for blood test, lab work, hospital stay...apart from other benefits for unexpected medical incidents.
Elite plan with policy maximum $150K covers pre-existing condition coverage up to $25K maximum with deductible $1,500 for age 0 to 69 years and for policy maximum $75K covers pre-existing condition coverage up to $20K maximum with deductible $1,500 for age 70 to 99 years.
- INF Elite Plus insurance:
This is a comprehensive plan that is available for US citizens traveling outside of the US and foreign nationals coming to the US. This plan is available with a policy maximum of $150K, $250K and $300K and the deductible options of $100 to $5000 and for age 70-99 covers policy maximum of $75K and the deductible options of $100 to $5000. This plan covers Preventive & maintenance care,TDAP, Flu, etc Vaccines and coverage for full body physicals .
Elite Plus plan with policy maximum $150K covers pre-existing condition coverage up to $25K maximum with deductible $1,500 for age 0 to 69 years and for policy maximum $75K covers pre-existing condition coverage up to $20K maximum with deductible $1,500 for age 70 to 99 years.
- INF Traveler USA 90 insurance:
This is a comprehensive plan that is available for US citizens traveling outside of the US and foreign nationals coming to the US. This plan is available with a policy maximum of $150K, $250K and $300K and the deductible options of $50 to $5000 and for age 70-99 covers policy maximum of $75K and the deductible options of $250 to $5000. This plan covers sickness & accident plan with 90% in network coinsurance .This includes non-insurance dental, vision, hearing & prescription discount card included for INF members
No coverage for pre existing conditions is available with this plan.
- INF Elite 90 insurance:
This is a comprehensive plan that is available for US citizens traveling outside of the US and foreign nationals coming to the US. This plan is available with a policy maximum of $150K, $250K and $300K and the deductible options of $50 to $5000 and for age 70-99 covers policy maximum of $75K and the deductible options of $250 to $5000. This plan covers 90% of eligible medical expenses .This includes doctor appointments, blood tests and lab, specialist care, urgent care visits and hospital stays are covered for pre existing conditions.
Elite 90 plan with policy maximum $150K covers pre-existing condition coverage up to $25K maximum with deductible $1,500 for age 0 to 69 years and for policy maximum $75K covers pre-existing condition coverage up to $20K maximum with deductible $1,500 for age 70 to 99 years.
- INF Traveler USA insurance:
This is a comprehensive plan that is available for US citizens traveling outside of the US and foreign nationals coming to the US. This plan is available with a policy maximum of $150K, $250K and $300K and the deductible options of $50 to $5000 and for age 70-99 covers policy maximum of $75K and the deductible options of $250 to $5000. This plan covers sickness & accident plan with 80% in network coinsurance .This includes non-insurance dental, vision, hearing & prescription discount card included for INF members
No coverage for pre existing conditions is available with this plan.
- Hop! Mindoro Travel Assistance:
Hop! Mindoro is a new fixed benefit travel assistance membership which provides travel, medical, legal, and personal assistance for travelers visiting anywhere worldwide outside their home country.
- Hop! Travel Assist:
Hop! Travel Assist is a comprehensive benefit travel assistance membership program for international trips, offering 100% payment for Medical and Travel Assistance to the listed maximum in the membership general conditions.
- Hop! TripAssist Plus:
Hop! TripAssist Plus is a comprehensive benefit travel assistance and members receive top-notch medical assistance for both Acute onset conditions and the worsening of pre-existing conditions.
- Hop! WorldHopper:
Hop WorldHopper fixed benefit plan best For International travelers and covers Pre-Existing Conditions.
INF Travel Insurance - Pre-existing Questions
01. Is there any pre-existing exclusions for INF plans?
Yes. There are six main exclusions (applies to all the INF plans) Cancer Dialysis Cataract / Vision sickness Mental Illness (depression / anxiety) Preventive / Maintenance care (except for INF Elite Plus and INF Premier Plus) Sleep Apnoea.
02. Can a Green Card holder buy INF plans?
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:
- Latest I -94
- Health attestation form
- Any prior health insurance information (if applicable)
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
04. Can I purchase INF travel medical insurance if I already have pre-existing conditions?
Yes, you can purchase INF travel medical insurance even if you have pre-existing conditions. INF offers INF Premier, INF Premier Plus, INF Elite, INF Elite Plus, INF Elite 90 plans that travel insurance with 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.
05. What is INF travel medical insurance for pre-existing conditions?
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 best health insurance for visitors to USA with pre-existing conditions, including the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus, 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.
06. What is the INF insurance cost for visitors to the United States?
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.
07. What are the different types of INF insurance for visitors to the USA?
The INF Elite Travel Insurance plan is INF’s comprehensive insurance for visitors traveling to the United States. There are 3 types of INF insurance Elite plans and the price of these plans varies depending on the coverage they provide. The INF Elite plan, INF Elite 90 plan and INF Elite Plus plan.
08. What is the difference between the three INF Elite insurance plans?
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.
09. How do I apply for INF insurance?
You can apply for INF insurance online through American Visitor Insurance. 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.
10. What is the maximum length of coverage in INF insurance?
The maximum length of coverage for INF insurance is 364 days.
11. For which countries can I buy INF visitor insurance?
INF insurance is available for international visitors to the United States, Canada or Mexico.
12. What are the requirements for applying for INF insurance?
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.
13. What is the eligibility to buy INF insurance?
To purchase INF insurance coverage, you must not be a citizen or permanent resident of the host country you are traveling to, ie the US, Mexico, or Canada. The coverage is available for non-U.S. residents and non-U.S. citizens traveling to the United States, Mexico or Canada between the ages of 14 days and 79 years. US green card holders can buy INF insurance if they have a residence outside the USA. The coverage duration is available from 5 days up to 364 days.
14. What is the minimum requirement to buy INF Elite and Premier plans?
There is a minimum purchase of 90 days required to buy these INF Elite plans.
15. What is the advantage of having the United Healthcare PPO in visitors insurance offered by INF?
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.
16. Why are INF Full travel insurance pre existing conditions plans more expensive than other travel insurance covering pre existing conditions?
The Full pre-existing conditions coverage plans treat any issue related to a pre-existing condition like a New Accident and Sickness, subject to the policy maximum and deductible limits. This explains why 'Full pre-existing conditions visitor insurance coverage' plans are more expensive than coverage only for 'pre-existing conditions'.
17. Does INF travel insurance really offer coverage for all preexisting conditions?
In short the answer is Yes. INF insurance will cover any pre-existing conditions ranging from blood pressure, diabetes, to kidney complications and arthritis. All of these issues are all covered by the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus, INF Elite 90 best travel insurance for pre existing conditions
Compare the best travel insurance for full pre-existing conditions plans Compare INF Full pre-existing conditions.
Note: **INF Premier, Elite, Elite Plus , Premier Plus and Elite 90 plans have a minimum purchase should be 90 days.
18. Is Asthma a pre-existing condition for INF travel insurance?
If the Asthma condition has been stable for 12 months, it is NOT pre-existing in INF Elite or Premier. If it has been unstable (treatment required) in past 12 months- it IS pre-existing, and covered as a pre-existing condition.
19. Is Asthma covered in INF travel insurance?
Yes – INF travel insurance will cover the worsening of the condition, but not maintenance or preventive care.
20. Do I need to declare mild asthma for travel insurance?
No.
21. Is Arthritis a pre-existing condition for travel insurance?
If the Arthritis condition has been stable for 12 months, it is NOT pre-existing in INF Elite or Premier. If it has been unstable (treatment required) in past 12 months- it IS pre-existing, and covered as a pre-existing condition.
22. Do I have to declare rheumatoid arthritis on travel insurance?
No.
23. Does INF travel insurance covers arthritis?
Yes – INF US travel insurance will cover the worsening of the condition, but not maintenance or preventive care.
24. Is Diabetes considered pre-existing condition?
If the Diabetes has been stable for 12 months (no change in Medication / sickness related to diabetes), it is NOT pre-existing in INF Elite or Premier. If it has been unstable (treatment required) in past 12 months- it IS pre-existing, and covered as a pre-existing condition.
25. Is diabetes covered under INF travel insurance?
Yes - INF US visitor insurance will cover the worsening of the condition, but not maintenance or preventive care.
26. Do we have to declare pre diabetes on travel insurance?
No.
27. Does INF travel insurance cover heart attacks?
Yes- INF travel insurance for USA will cover a heart attack either as a new sickness or pre-existing condition, depending on how stable to insured’s condition was in the past 12 months.
28. Which INF travel insurance covers heart conditions?
Yes - INF visitors insurance for USA will cover the worsening of the condition, but not maintenance or preventive care.