What does a fixed-benefit or schedule-of-benefits plan mean?

A fixed-benefit or schedule-of-benefits plan pays a pre-set fixed dollar amount for each covered medical service, regardless of the actual medical bill. For example, if a hospital room costs $5,000 per night but the policy benefit is $2,700 per night, the plan pays $2,700 and the insured pays the remaining balance.

How is HOP! Advantage different from comprehensive plans like Elite X?

Comprehensive plans reimburse actual medical expenses within policy limits, while HOP! Advantage pays fixed benefit amounts for covered services. HOP! Advantage generally has lower premiums but may result in higher out-of-pocket costs for expensive medical treatment.

Does HOP! Advantage cover pre-existing conditions?

Yes. HOP! Advantage includes pre-existing condition outpatient coverage with fixed limits of $1,750, $2,500, or $4,500 depending on the selected option. It also covers acute onset of pre-existing conditions up to the full policy maximum of $25,000, $50,000, or $75,000 for sudden unexpected flare-ups requiring treatment within 48 hours of onset.

Can I extend my coverage after purchasing HOP! Advantage Insurance?

Yes. Coverage can be extended as long as the request is made before the current policy end date and the traveler remains eligible. Total coverage, including extensions, cannot exceed 364 days. Each extension is treated as a new contract with restarted policy limits.

INF HOP! Advantage Travel Insurance

Best comprehensive visitor insurance plan with full pre-existing condition coverage for non-US residents visiting the USA, Canada, or Mexico. Budget-friendly fixed-benefit worldwide coverage with pre-existing condition support, trip protection, and baggage benefits all in one plan.

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Plan at a Glance

Max Coverage$25K / $50K / $75K

Pre-existing Conditions✓ Covered

Acute OnsetUp to policy max

Emergency Evacuation$10,000

Trip CancellationUp to $1,750

Lost BaggageUp to $500

Delayed Flight$200

What is INF HOP! Advantage Insurance?

INF HOP! Advantage is a budget-friendly fixed benefit travel medical insurance plan for international travelers visiting the USA. It provides defined coverage for a broad range of medical needs, including full pre-existing condition coverage and acute onset treatment. The plan also includes valuable non-medical benefits such as quarantine lodging, trip cancellation, and baggage loss protection.

Unlike comprehensive plans that reimburse actual medical bills up to a stated maximum, Visitors Care pays predetermined benefit amounts for each type of covered service: a fixed sum per hospital day, a fixed amount per surgeon visit, and so on. This makes premiums significantly lower, and the coverage very predictable.

Available for travelers aged 0 to 89, the plan provides worldwide coverage (excluding USA, UK, EU, Iran, North Korea, Syria, and Cuba) and must be purchased before arriving in the destination country. HOP! Advantage supports direct billing with in-network providers, includes 24/7 emergency and claims support, and covers trips from 1 to 364 days. It ensures peace of mind by combining both medical and travel assistance services in one plan.

After purchasing the INF plans, travelers can easily access their INF HOP! Advantage ID card and plan documents through the INF insurance login portal. At American Visitor Insurance, U.S. travelers can reach out to INF HOP! Advantage travel insurance for help with plan details, quotes, and policy questions. Our licensed agents are ready to assist you in selecting the right INF plans for your needs.

HOP! Advantage (Fixed Benefit)

Pays a pre-set amount per covered service
You know exactly what will be paid before treatment
Budget-friendly premium
Pays regardless of actual billed amount

Comprehensive Plans

Pays actual cost of medical charges (within limits)
Coverage varies by what is billed
Higher premium
Better for high-cost hospital events

handshake INSURANCE PROVIDER

INF

star_rate_half RATING

AM Rating: A

calendar_month COVERAGE PERIOD

5 days to 364 days

business UNDERWRITER

Sirius Point International Insurance Corp UK Branch

Coverage Limits

Why Buy INF HOP! Advantage Insurance?

check_circleLow-cost fixed-benefit plan you know exactly what each service pays before treatment.
check_circleFull pre-existing condition coverage with defined limits, plus acute onset up to the policy maximum.
check_circleWorldwide medical, travel, and personal assistance coverage in one plan.
check_circleCOVID-19 covered like any other illness, plus hotel quarantine reimbursement up to $500.
check_circleLost and delayed baggage coverage included rare in basic travel medical plans.
check_circleFlight delay up to $200 for delays of 6+ consecutive hours.
check_circle24/7 claims and emergency assistance with direct billing to in-network providers.
check_circleCoverage extendable up to 364 days request before your end date.
check_circleCancel within 3 days of effective date for a full refund (minus $25 fee).

Eligibility

Who Is Eligible for HOP! Advantage?

task_alt Available only for non-US citizens - not available to US residents

task_alt Ages 0 to 89 years at the effective date.

task_alt Travelers who have legally entered the host country on a valid visa.

task_alt Home Country must be outside Syria, Iran, Russia, North Korea, Cuba, USA, UK, Gibraltar, or the EU.

task_alt Spouses and dependent children (under 18) of the primary insured are eligible.

task_alt Must be purchased before arriving in the destination country.

Excess Coverage: Coverage under this policy is excess to any other valid and collectible insurance. If another plan covers the same event, HOP! Advantage pays only the amount in excess of what that other plan pays.

lightbulb Coverage Options

How Much Maximum Coverage Does HOP! Advantage Provide?

The policy maximum amount of coverage is the total dollar amount of benefits available under the INF HOP Advantage plan. Once the maximum is reached, no additional benefits will be paid.

$25,000

Pre-existing: $1,750
Acute Onset: $25,000

$50,000

Pre-existing: $2,500
Acute Onset: $50,000

$75,000

Pre-existing: $4,500
Acute Onset: $75,000

Deductible: $0, $100, $250, $500, $1,000, $2,500, or $5,000 per illness. Applies before benefits are paid. Co-pay for urgent care ($25) does not count toward the deductible.

boltPre-Existing & Acute Onset

Does HOP! Advantage Offer Good Travel Insurance for Pre-Existing Conditions and Acute Onset Coverage?

HOP! Advantage provides two different levels of pre-existing condition coverage understanding the difference is critical before filing a claim:

Pre-Existing Conditions (Outpatient)

Fixed limit: $1,750 / $2,500 / $4,500
Covers outpatient treatment of known conditions
Condition must have existed in the 12 months before effective date
Not for routine/chronic ongoing care

Acute Onset of Pre-Existing (Emergency)

Up to $25000 / $50000 / $75000 (matches policy max)
Sudden, unexpected recurrence requiring urgent care
Treatment must be obtained within 48 hours of onset
Condition must have been stable prior to travel
Heart/lung disease patients must carry medical records

verified_userBenefits

What are the Benefits of INF HOP! Advantage Travel Insurance?

Select an option to see your benefit amounts. All benefits are subject to the deductible and pre-authorisation requirements.

Benefit	Coverage
Hospitalisation
Hospital room & board help	$2,700 / day
Intensive care unit help	$2,100
Surgery
Doctor surgical expenses help	$2,000
Anesthetics	$500
Assistant surgeon expenses help	$1,250
Surgical room & supply expenses	$1,250
Outpatient & emergency
Emergency doctor visits (outpatient) New	$40 / visit (max 5)
Urgent care (co-pay per visit)	$25 co-pay
Hospital emergency room help	$275
Diagnostics
X-rays & laboratory procedures help	$275
CAT scan / PET scan / MRI	$275
Other medical
Prescription drug expenses	$75
Ambulance expenses	$375
Rehabilitative braces or appliances	$500
Dental treatment (injury only) help	$500
Pre-existing conditions
Pre-existing conditions (outpatient) help	$1,750
Acute onset of pre-existing conditions help	$25,000
Travel & assistance
Emergency medical evacuation help	$10,000
Repatriation of mortal remains help	$15,000 or $2,000 local
Trip cancellation	$1,250
Trip interruption — family emergency help	Economy up to $1,250
Early return — serious disaster at home	Economy up to $1,250
Cruise cancellation (before departure)	$1,000
Trip cancellation due to COVID-19 help	$1,000
Lost baggage help	$300
Delayed luggage help	$300
Delayed / cancelled flight help	$200
Lost passport & travel documents help	$75
COVID-19 quarantine hotel help	$500 (up to 14 nights)
Cruise continuation (missed departure due to 6+ hr delay)	Economy ticket
Accidental death principal sum help	$5,000

Travel & Assistance Benefits

Travel Assistance Benefits

These benefits are not subject to the deductible but cannot exceed the policy maximum.

Emergency Medical Evacuation

$10,000

Must be pre-approved & coordinated by Claims Admin

Trip Cancellation

$1,250-$1,750

Non-refundable costs; per-option limit

Cruise Cancellation

$1,000-$2,000

Cancellation before cruise begins

Cancellation due to COVID

$1,000-$1,500

Hospitalisation required; policy issued 14+ days before departure

Trip Interruption

Up to $1,750

Economy rebooking; death/serious illness of immediate family

Early Return – Home Disaster

Up to $1,750

Economy rebooking; fire/burglary at home

Lost Passport

$75–$125

Emergency travel document costs; must file police report

Lost Baggage

$300–$500

International checked flights only; airline must acknowledge loss

Delayed Luggage

$300–$500

Baggage not located within 6 hours of arrival

Delayed / Cancelled Flight

$200

6+ consecutive hour delay; accommodation & meals

Accidental Death

$5K–$10K

Per insured; must be direct result of accident (not pre-existing)

Repatriation of Mortal Remains

$15,000

Or $2,000 for local burial/cremation

Trip Cancellation Cap: For a single incident involving multiple reservations or beneficiaries, the maximum total payout is $40,000 across all affected beneficiaries. If total compensation exceeds this, individual payments are roportionally reduced.

help Common Questions

INF HOP! Advantage Visitor Insurance - FAQs

It means the plan pays a pre-set fixed dollar amount for each covered service, regardless of the actual medical bill. For example, if your hospital room costs $5,000/night but the plan's benefit is $2,700/night, the plan pays $2,700 and you pay the difference. This differs from comprehensive plans that reimburse a percentage of the actual cost.

Comprehensive plans pay based on actual charges (within policy limits), while HOP! Advantage pays fixed pre-set amounts per covered service. HOP! Advantage has a lower premium but may leave a larger out-of-pocket gap for very high hospital bills. For travelers on a tighter budget, it provides solid baseline protection.

Yes. It has two levels: (1) Pre-existing condition outpatient coverage with a fixed limit of $1,750 / $2,500 / $4,500 depending on option; and (2) Acute Onset of Pre-existing Conditions coverage up to the full policy maximum ($25K / $50K / $75K) for sudden unexpected flare-ups requiring treatment within 48 hours of onset.

Yes, as long as you request an extension before your current end date and remain eligible. Total coverage (including extensions) cannot exceed 364 days. Each extension is treated as a new contract with restarted limits. After 364 days, you must return to your home country before purchasing a new policy.

The policy will not cover charges incurred after leaving against medical advice, and no charges for the worsening of your condition after an against-advice discharge will be covered. Always follow your doctor's recommendations to preserve coverage.

Coverage begins at 12:01 AM EST on the effective date and ends at 11:59 PM EST on the policy end date. There is no coverage within your home country only in your host country destination.

Restrictions

Plan Restrictions

INF HOP Advantage is not offering coverage for residents of Syria, Iran, Russia, North Korea, Cuba, the USA, the United Kingdom, Gibraltar, and the European Union.

Simple Process

How Do I File a Claim With INF HOP Advantage Insurance?

To file a claim with HOP Advantage, follow these steps:

download

Step 01

Download Form

Get the INF claim form online.

call

Step 02

Call Support

Speak to our licensed support staff for guidance.
888-207-1694

description

Step 03

Submit Documents

Robin Assist, P.O. Box 211879, Dallas, TX 75211.

Step 04

Email Help

claims@robinassist.com

Provider Access

What is the INF HOP! Advantage PPO Network?

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.

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.

Who Can Apply

Why Buy INF HOP! Advantage Through American Visitor Insurance?

check_circleAmerican Visitor Insurance offers a simple and reliable way to choose the right medical insurance for tourists with confidence and purchase your plan online in minutes.
check_circleEasy Plan Comparison and Purchase: Compare and buy INF HOP! Advantage Insurance plans, review coverage and deductible options, understand pre-existing condition limits, and securely purchase the right plan online in just minutes through American Visitor Insurance.
check_circleSpecialists in Pre-Existing Condition Coverage: INF HOP! Advantage is one of the few visitor insurance plans that covers ongoing pre-existing conditions - not just acute onset emergencies. Our team understands INF HOP! Advantage inside out - sub-limits, waiting periods, and PPO network access so you choose the right plan with confidence.
check_circleHelpful Resources for Better Decisions: We offer detailed FAQs, blog, and guides based on real customer questions. These resources are designed to help you clearly understand your options and choose the best plan for your specific travel needs.
check_circleExperienced Customer Support: Our licensed support team has over 20 years of experience in the US visitors insurance industry. We assist customers in understanding INF HOP! Advantage's coinsurance structure, choosing the right deductible, and navigating the claims process with Robin Assist when needed.
check_circleLicensed & Trusted Platform: American Visitor Insurance is a licensed US-based insurance platform (NJ License #1181604).