INF Elite 90 X Travel Insurance
Best comprehensive visitor insurance plan with full pre-existing condition coverage - for non-US residents visiting the USA, Canada, or Mexico. Ages 14 days to 99 years.
What is INF Elite 90 X Insurance?
INF Elite 90 X is a comprehensive-benefit travel medical insurance plan designed for non-U.S. residents up to age 99. It provides full coverage for pre-existing conditions and offers flexible protection for 90 to 364 days while traveling in the U.S., Canada, and Mexico.
Key Features:- Coverage for Full pre-existing conditions for travelers under the age of 99
- Covers 90% of eligible expenses
- Great savings with United Healthcare PPO network
- Access to ID card and documents online after purchase
- 24/7 customer service and support available
After buying the plan, travelers can get all the plan documents and id card through INF Elite 90 X login. At American Visitor Insurance, US Travelers can contact the INF Elite 90 X customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!
Who Is INF Elite 90 X Visitor Insurance Best Suited For?
Anyone managing diabetes, hypertension, heart disease, or asthma who needs full coverage - not just acute onset — for doctor visits, specialist care, and hospitalizations related to their existing condition.
One of the few visitor plans offering $75,000 coverage available up to age 99.
New arrivals without US health insurance needing immediate comprehensive coverage.
Non-US residents visiting family for 90–364 days who want comprehensive, worry-free protection.
How Much Maximum Coverage Does INF Elite 90 X Insurance Provide?
The policy maximum amount of coverage is the total dollar amount of benefits available under the INF Elite 90 X plan. Once the maximum is reached, no additional benefits will be paid.
- check_circleAges 0-69 years: Available coverage options are $150,000, $250,000, $300,000, $500,000, $1,000,000.
- check_circleAges 70-99 years: Coverage is limited to $75,000
What Is a Deductible in INF Elite 90 X Insurance?
The deductible is the amount the insured must pay before INF Elite 90 X insurance starts to cover expenses.
- check_circleAge 0 - 69: $75, $100, $250, $500, $1,000, $2500, $5,000
- check_circleAge 70 - 99: $250, $500, $1,000, $2500, $5,000
What Is Coinsurance in INF Elite 90 X Insurance?
Coinsurance is the percentage of eligible expenses that the insurance pays after the deductible is met. INF Elite 90 X insurance pays:
- check_circleIn PPO Network: After deductible, plan pays 90% up to policy maximum
- check_circleOut PPO Network: After deductible, plan pays 70% up to policy maximum
Who Is Eligible for INF Elite 90 X Insurance Plan?
- check_circleAvailable for non-U.S. citizens and non-U.S. residents traveling to the USA, Canada, or Mexico.
- check_circleFor ages 14 days to 99 years.
- check_circleCoverage available from 90 to 364 days
- check_circleCan be purchased before or shortly after arriving in the U.S., with coverage starting immediately upon purchase.
How Much Does INF Elite 90 X Insurance Cost in 2026?
The cost of Elite 90 X insurance starts from $514 for a 3-month period, depending on the traveler's age, plan maximum, and deductible. Older travelers have higher premiums due to increased medical risk. Choosing a higher maximum increases the premium, while a higher deductible lowers it.
Below are 3-month (90-day) prices with a $250 deductible.
| Age of traveler | Max $150,000 | Max $250,000 | Max $300,000 | Max $500,000 | Max $1,000,000 |
|---|---|---|---|---|---|
| 18 - 29 years | $514 | $652 | $576 | $547 | $556 |
| 30 - 39 years | $629 | $790 | $700 | $664 | $675 |
| 40 - 49 years | $746 | $938 | $832 | $787 | $800 |
| 50 - 59 years | $1,099 | $1,387 | $1,236 | $1,162 | $1,182 |
| 60 - 69 years | $1,567 | $1,980 | $1,768 | $1,657 | $1,686 |
| 70 - 79 years | $3,745 for 90 days · Max $75,000 · Deductible $250 | ||||
| 80 – 99 years | $4,807 for 90 days · Max $75,000 · Deductible $250 | ||||
Source: American Visitor Insurance® | Prices verified for 2026 travel season.
Why Should I Buy INF Elite 90 X Visitor Insurance?
- check_circleFull Pre-Existing Condition Coverage: Unlike most travel insurance that only covers acute onset, INF Elite 90 treats pre-existing conditions like any new sickness such as doctor visits, hospital stays, urgent care, and prescriptions related to your existing condition are covered.
- check_circleHigh Policy Maximums: Covers up to $1,000,000 in total medical expenses (depending on age group), giving you peace of mind for serious emergencies.
- check_circleBroad Age Eligibility: Available for travelers up to 99 years old, making it one of the few options for senior visitors.
- check_circleU.S. PPO Network Access: INF Elite plan Insurance partners with the UnitedHealth care PPO network, giving travelers nationwide access to a vast network of doctors, hospitals, and specialists. Choosing in-network providers not only expands the healthcare options but also helps you to save money through discounted rates and lesser out-of-pocket costs.
- check_circleFlexible Deductible Options: Choose a deductible from $1,500 to $10,000 — allowing you to balance premium cost and out-of-pocket expenses.
- check_circleNo Acute Onset Restrictions: Most plans exclude chronic or ongoing issues, INF Elite 90 covers them directly, even if it’s a flare-up, without tricky definitions.
- check_circleCovers 90% of Eligible Expenses: Eligible medical expenses are covered up to 90%, helping minimize out-of-pocket payments.
- check_circleUrinary Tract Infection Coverage: Covers up to $2,000 for treatment of urinary tract infections.
Does INF Elite 90 X Provide Coverage for Pre-Existing Conditions?
INF Elite 90 X is a great option for visitors who want strong and reliable health coverage especially seniors and those with existing medical conditions traveling to the U.S., Canada, or Mexico. Here's why many people choose this plan:
- check_circleFor applicants aged 0–69, pre-existing condition coverage can be as much as $50,000, with sub-limits applied to certain expenses (e.g., $15,000 for hospital/ICU room & board, $7,500 for hospital emergency, $500 for prescriptions).
- check_circleFor age 70 through 99, pre-existing conditions are paid up to $20,000, with a deductible of $1,500. (e.g., $15,000 for hospital/ICU room & board, $7,500 for hospital emergency, $500 for prescriptions).
Example: Let's say you have diabetes before you buy INF insurance. If you suddenly have a serious diabetic emergency while traveling like very high blood sugar that needs urgent hospital treatment . INF will cover that because it's a new medical emergency. But if you just need to see a doctor for a routine diabetes check-up or refill your insulin prescription, INF will not cover that, because it's ongoing treatment, not an emergency.
What Are the Benefits of INF Elite 90 X Insurance?
| Hospital Room (Average Semi-Private), Board, & Miscellaneous | Covered |
| Hospital Intensive Care Unit | Covered |
| Surgery | Covered |
| Urgent Care Visits | In Network: Covered with $25 copay Out Network: Covered with $50 copay |
| Assistant Surgeon | 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 |
| Anesthetist | Covered |
| Assistance 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 |
| Emergency local ambulance | Covered |
| Dental Treatment injury to Sound, Natural teeth (Due to Accident) | Covered |
| Emergency Medical Evacuation | Up to $25,000 |
| Return of mortal remains or cremation/burial | Up to $20,000 |
| Pre-existing Conditions | Ages 0-69: Choose from maximum benefits of $25,000, $30,000, $40,000, or $50,000. Ages 70-99: Maximum benefit of $20,000. Deductible options: $1,500, $2,000, $2,500, $5,000, or $10,000. |
| Accidental Death and Dismemberment | $25,000 |
| 24/7 Travel Assistance Services | Included |
| Incurral Period | 90 days after the date of Injury/Sickness |
Note: INF Elite 90 X insurance covers future medical emergencies only - not routine treatment or ongoing care for existing conditions./p>
What Pre-Existing Conditions Does Elite 90 X Visitors Medical Insurance Cover?
Elite 90 X travel Insurance offers comprehensive coverage for several pre-existing conditions. Travelers looking for International visitors insurance for asthma, visitor medical insurance for diabetes, visitors health insurance for high blood pressure, comprehensive travel medical insurance for high cholesterol or travel health insurance for arthritis can rely on Elite 90 X for complete protection. The plan provides full coverage for these conditions for travelers up to 99 years of age, ensuring peace of mind for those managing chronic health issues during international trips.
What are the Exclusions of INF Elite 90 X Insurance?
- check_circleRoutine & Preventive Care : No coverage for regular check-ups, vaccinations, or screening tests.
- check_circlePregnancy & Maternity : No benefits for pregnancy, childbirth, or complications from pregnancy.
- check_circleMental Health & Behavioral Disorders : No coverage for psychiatric treatment, counseling, or substance abuse.
- check_circleExperimental or Investigational Treatment : Procedures or medications not approved by recognized medical authorities are excluded.
What is the INF Elite 90 X 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.
Why Buy INF Elite 90 X 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 Elite 90 X 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 Elite 90 X is one of the few visitor insurance plans that covers ongoing pre-existing conditions - not just acute onset emergencies. Our team understands INF Elite 90 X 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 Elite 90 X'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).
INF Elite 90 X Visitor Insurance - FAQs
Summary for INF Standard X Insurance
INF Standard X Insurance offers reliable fixed-benefit travel medical coverage for non-U.S. residents visiting the USA or traveling worldwide, with the following key benefits:
- check_circleCovers 90% of eligible medical expenses
- check_circleINF Elite 90 X insurance starts at $374 for 90 days With American Visitor Insurance
- check_circleFull pre-existing conditions covers up to 99 years
- check_circleDesigned for international visitors, including parents, relatives, and long-term travelers to the USA
- check_circle$25 in-network urgent care copay
- check_circleCoinsurance: In-network pays 90% of eligible expenses; Out-of-network pays 70% of usual, reasonable & customary charges
- check_circleWorldwide coverage, including the USA, available for ages 0 to 99 years
- check_circleEmergency medical evacuation covers up to $25,000
- check_circleUrinary tract infection covered up to $2,000
- check_circleCovers Emergency medical treatment of pregnancy
- check_circleCoverage available from 90 days up to 365 days , ideal for extended stays
- check_circleCashless billing guaranteed via INF-Robin Assist
- check_circleDirect billing through UnitedHealthcare PPO network
- check_circleTelehealth access worldwide via Doctor Please
- check_circleSpecialist visits with direct billing via INF-Robin Assist
Disclaimer
American Visitor Insurance works continually and to the best of our ability to ensure that the visitors insurance information is accurate and up-to-date. However despite our efforts this information does change regularly and we cannot guarantee 100% accuracy. Please review the specific travel insurance plan brochure for latest plan benefits.
