INF Elite 90 X Travel Insurance
INF Elite 90 X 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 90% of eligible medical expenses up to the policy maximum inside PPO network and the plan will pay 70% of eligible medical expenses outside of the PPO network after the deductible met for United Healthcare PPO network.
INF Elite 90 X Plan insurance reviews
Why choose INF Elite 90 x insurance?
- Full 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.
- High Policy Maximums : Covers up to $1,000,000 in total medical expenses (depending on age group), giving you peace of mind for serious emergencies.
- Broad Age Eligibility : Available for travelers up to 99 years old, making it one of the few options for senior visitors.
- U.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.
- Flexible Deductible Options : Choose a deductible from $1,500 to $10,000 — allowing you to balance premium cost and out-of-pocket expenses.
- No 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.
Does INF Elite 90 covers Pre-existing condition coverage?
The INF Elite Plan is one of the few U.S. visitor insurance options that provides full coverage for pre-existing medical conditions, not just acute onset. It includes doctor visits, hospital stays, urgent care, specialist consultations, and prescription drugs, as long as they are not routine check-ups or maintenance medications.
- For Ages 0–69 : Maximum Benefit Options: $25,000, $30,000, $40,000, or $50,000
- For Ages 70–99 : Maximum Benefit: $20,000; Deductible choices: $1,500, $2,000, $2,500, $5,000, or $10,000
- Pre-existing Condition Sub-Limits :
- $15,000 – Hospital/ICU Room & Board
- $15,000 – Hospital Miscellaneous
- $15,000 – Surgeries
- $7,500 for Hospital Emergency
- $5,000 for Assistant Surgeon
- $500 for Prescriptions
Who is eligible for INF Elite 90?
INF Elite 90 is designed for international travelers who want comprehensive U.S. visitor health insurance with full pre-existing conditions coverage.
- Travelers Age from 0 - 99
- Must be a non-U.S. citizen visiting the United States, Canada, or Mexico
- Best for short-term visits such as vacations, business trips, or family stays.
- Must be purchased before arrival or shortly after entering the U.S.
- Minimum Coverage Period Requires at least 90 days of continuous coverage.
- Exclusions Not available for medical tourism or planned treatments for existing conditions.
INF Elite 90 X Plan insurance - Key Highlights
- Covers 90% of eligible medical expenses.
- Pre-existing complications from covid-19 covered.
- There is a minimum purchase of 90 days required to buy this plan.
- Covers all new medical conditions.
- Stable pre-existing conditions are covered as new sickness.
- Acute onset is considered new sickness.
- Urgent care & doctor visit arranged by MeMD.
- COVID-19 medically necessary testing & treatment covered as any other new sickness.
- $25 In-Network urgent care copay.
- Sickness & Accident Plan with 80% in network coinsurance.
- VIP airport assistance and 3 free priority pass lounge visits.
- INF-Robin Assist can make your appointments 24/7.
- Telehealth worldwide via Doctor.
- This plan is not available to US residents and is only available to non-US residents.
How much does INF Elite 90 X insurance cost?
INF Elite 90 X insurance starts at $525 for a 3-month period, depending on the traveler’s age, selected coverage maximum, and deductible amount.
The INF Elite insurance cost 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 90 X plan with a $250 deductible. Please note that the minimum enrolment period for this plan is 90 day.
| Age of traveler | Maximum $150,000 | Maximum $250,000 | Maximum $300,000 | Maximum $500,000 | Maximum $1,000,000 |
|---|---|---|---|---|---|
| 18 – 29 years | $525 | $659 | $583 | $553 | $562 |
| 30 – 39 years | $636 | $799 | $708 | $671 | $682 |
| 40 – 49 years | $754 | $948 | $841 | $795 | $809 |
| 50 – 59 years | $1,112 | $1,402 | $1,250 | $1,174 | $1,195 |
| 60 – 69 years | $1,584 | $2,001 | $1,787 | $1,675 | $1,705 |
For ages 80 – 89 years the cost is $4,860 for 3 months with medical maximum of $75,000 with deductible $250.
Plan benefits of INF Elite 90 X health international insurance
-
Hospital Room (Average Semi-Private), Board, & Miscellaneous Covered Hospital Intensive Care Unit Covered Surgeon Covered Urgent Care Visits In- Network: Covered with $25 copay
Out - Network: Covered with $50 copayAnesthetist Covered Assistance 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 Doctor’s Non-Surgical Visits Covered Diagnostic X-rays & Lab Services Covered CAT Scan, PET Scan, or MRI Covered Emergency local ambulance Covered -
Dental Treatment injury to Sound, Natural teeth (Due to Accident) Covered -
Repatriation of Remains Up to $20k Medical Evacuation Up to $25k Accidental Death and Dismemberment $25k Incurral Period 90 days after the date of Injury/Sickness Physiotherapy $50 per visit up to a maximum of $500 Chemotherapy and/or Radiation Therapy Covered Emergency Medical Treatment of Pregnancy Covered
What are the exclusions of INF Elite 90 insurance?
- Routine & Preventive Care : No coverage for regular check-ups, vaccinations, or screening tests.
- Pregnancy & Maternity : No benefits for pregnancy, childbirth, or complications from pregnancy.
- Mental Health & Behavioral Disorders : No coverage for psychiatric treatment, counseling, or substance abuse.
- Experimental or Investigational Treatment : Procedures or medications not approved by recognized medical authorities are excluded.
INF Elite 90 X plan - PPO network
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INF Elite 90 X visitors insurance – FAQ’s
Elite 90 Insurance Covid19 travel insurance by INF for coronavirus will cover eligible medical expenses resulting from covid19/SARS-CoV-2.
INF Covid19 travel insurance by Elite 90 travel insurance for coronavirus coverage will cover eligible medical expenses resulting from covid19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.
INF Elite visitor medical insurance will cover on a per incident (sickness) basis up to the policy maximum. And the deductible is applied per sickness as well. There's no "lifetime maximum" for the plan - theoretically you could go to the hospital 10 times and get $1.5 million in claims.
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.
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Summary of INF Elite X 90 Insurance:
INF Elite X 90 travel medical plan designed for non-U.S. residents traveling worldwide, including the USA, offering broad coverage with full pre-existing condition benefits.
- Covers 90% of eligible medical expenses
- INF Elite X 90 insurance starts at $374 for 90 days With American Visitor Insurance
- Full pre-existing conditions covers up to 99 years
- Designed for international visitors, including parents, relatives, and long-term travelers to the USA
- $25 in-network urgent care copay
- Coinsurance: In-network pays 90% of eligible expenses; Out-of-network pays 70% of usual, reasonable & customary charges
- Worldwide coverage, including the USA, available for ages 0 to 99 years
- Emergency medical evacuation covers up to $25,000
- Urinary tract infection covered up to $2,000
- Covers Emergency medical treatment of pregnancy
- Coverage available from 90 days up to 365 days , ideal for extended stays
- Cashless billing guaranteed via INF-Robin Assist
- Direct billing through UnitedHealthcare PPO network
- Telehealth access worldwide via Doctor Please
- Specialist visits with direct billing via INF-Robin Assist