INF - FAQ's, Frequently Asked Questions

Answer these questions to find the best insurance plan for your needs (International travelers, students, all US visa’s and Schengen visa).

What is the traveler's destination?

What is the nationality of the traveler?

Is the traveler looking for?

Schengen Visa

Does the traveler need Schengen Visa Insurance or Long term Europe Visa insurance?

What is the Visa of the traveler?

What is the Visa of the traveler?

Does the traveler have any pre-existing medical conditions?

Type of Insurance?

Enter age
Spouse's age (if traveling)
No. of Dependents

INF Insurance


For over 30 years, INF travel insurance has provided award winning visitors insurance with pre-existing conditions coverage options to millions of travelers to the United States. KV Rao visitor insurance is committed to providing innovative insurance products, quality customer care, and being there for our members when they need us the most. INF Plans have been very popular for parents from India, and other older travelers with pre-existing conditions visiting the USA. INF plans travel insurance offers coverage for Pre-Existing ailments providing the coverage necessary for many seniors visiting their families in the US or Canada. You can travel with confidence when you have the INF travel health insurance coverage you want, and the peace of mind you need.

  • 1. What plans cover the COVID19 disease?
    INF Premier insurance and INF Elite insurance covers COVID19 as any new sickness only if the person did not have the sickness before purchasing the insurance.
    This is a multifaceted answer. All INF Plans come with our $0 Copay Telemedicine service. Telemedicine allows your clients to get treatment from their home with ease. INF has two telemedicine provides: Teladoc & MeMD. Telemedicine is a great tool because it works just as well as going to an urgent care, it's much faster, it does not cost anything, and there is no claims paperwork involved.
    We've helped members in the past set up their account and get treatment for issues like toe infections, leg infections, depression, sore throat, leg pain, UTI, and even chicken pox! Even if your client has a preference to go to a physical location- this is a free first opinion they can use. The telemedicine physician will also give their opinion on what next steps should be for treatment.
    For doctors & hospitals - it depends on the plan which you enroll in. INF Fixed Benefit Plans (Premier & Standard) all have a deductible which must be met, and then the plan pays according to a schedule of benefits. It is important to remind the client that fixed benefit options have limited benefits.
    INF Comprehensive plan (Elite & Traveler USA), have a deductible as well, and then pay 80% up to the policy maximum. When compared to other plans which claim to pay 100% after the deductible.
    The answer to this question depends on the policy your client wants to enroll in.
    For Fixed Benefit Plans: After the deductible is met, INF will pay a fixed amount. Any remaining part of the bill will be the client's responsibility.
    For example:
    Your client enrolled in the Premier $150K policy with a $75 deductible and $1,000 pre-existing deductible, paying $336 in premium. They see a cardiologist who charges $500 per visit, and order an EKG ($300 charge), blood work ($400 charge), and 3 follow up visits ($1,500 charge).
    After the $1,000 deductible has been met, the plan will pay $200 for the blood test, & $375 for the follow up doctor visits (a total for $575). This means the patient is responsible for the other $1,125 (before PPO discounting).
    As you can see in this example, the client got their money's worth from the plan- but because it is a fixed benefit option, only a portion of their total costs were paid.

    For Comprehensive Plans:
    After the deductible has been met, the plan will pay 80% of the eligible charges up to the policy maximum.
    For example:
    Your client has an episode of Syncope and is rushed to the ER. They are stabilized and discharged within 1 day and now are faced with a bill of $30,000. The bill is negotiated down to $22,500 and the plan will pay the remaining $18,000. Your client only pays $4,500 out of a $30,000 bill.
    Again, we have a question that can have multiple answers. All INF plan will cover new accident & sicknesses. Under INF, new sicknesses include:
    • Urinary Tract Infections
    • Kidney Infections
    • Bladder Infections
    • Influenza
    • Pneumonia
    • Appendicitis
    • And many more diseases which can be considered "new"
    INF Plans typically do not exclude new sicknesses under the guise of pre-existing conditions like other plans (such as Patriot America & Safe Travels).
    INF Plans typically do not exclude new sicknesses under the guise of pre-existing conditions like other plans. Some INF Plans (Elite & Premier) cover all pre-existing conditions. Known as "Full Pre-Existing Coverage," this means we cover the gradual worsening of pre-existing conditions, and we treat pre-existing conditions like new sicknesses (in-patient, out-patient, and specialist care). Full Pre-Existing plans have no look-back period, and will cover any pre-existing issue, as per the policy. That being said , medical tourism, maintenance, and preventive care are not covered by full pre-existing plans.
    Other INF Plans cover only the acute onset of pre-existing conditions. This means we only cover pre-existing issues related in-patient hospitalization or emergency room. Our definition of acute onset is "emergency sickness," meaning if your client thinks they will experience an adverse health consequence without immediate medical attention, it may be considered Acute Onset.

    Pregnancy & Childbirth: Some INF Plans provide benefits for pregnancy & childbirth. It is important to note that pregnancy is not considered a "pre-existing condition" but rather new condition. In any case, pregnancy is not covered if conception happens before the start date of the policy.
    INF Plans which provide some coverage for pregnancy include:
    • INF Standard
    • INF Premier
    Dental & Vision:
    INF Plans provide all members with a Careington POS Discount Card, which allows them to access dental savings benefits of around 50% and savings on glasses and frames of around 30-40%. Clients can see the dentist and know they do not have to pay full price for complicated dental procedures.
    For eye illnesses, such as pink eye, eye allergies, etc- these are considered sicknesses and covered by INF Plans, as per the policy.

    Reflection on INF Plans:
    When you advise your client to enroll in an INF Plan, you are making the right decision. INF is known for paying claims, having responsive customer service, ensuring the claims process is smooth, and being there when members need us.
    If an insurance plan does not pay a claim- it's not just a reflection on the insurance company, but a reflection on yourself as a trusted advisor to your client. Our advice: don't sell your clients a lemon, advise them to enroll in INF.
    Remember- always feel free to reach out with any questions you have about INF.
    Yes, they can buy INF travel insurance
    Yes, Europeans and other nationalities can buy the INF travel medical insurance plan for travel to Canada. With respect to Canada, many Canadian Snowbird travelers also buy INF plans for their travel to the USA do to the excellent pre-existing coverage policies.
    Yes. The INF travel insurance insures many green card holders (especially those who are above the age of 65 years) in INF medical insurance. INF plans also offer ancillary benefits such as dental and telemedicine, something that is typically separate policies for domestic health insurance. Green Card holders can enroll in INF plans up to 1 year at a time, and then must renew their policy. There is however no "term limit" for INF plans
    The standard answer is that any plan offering Acute Onset coverage will only pay claims for emergencies related to pre-existing issues. However- we all know that *most acute onset plans never pay claims. *We've put together some examples on Acute Onset of Pre-Existing conditions plans you can share with your clients:
    Examples to show how INF offers coverage for Pre-existing conditions

    *Example 1: James with cardiac issues*
    James is visiting his daughter from the UK. He is 67 years old with a history of high blood pressure. His physician recommended an increase in his dosage of a blood pressure medication before his visit to USA and to stay away from flying. Nevertheless, James went ahead with his flight, regardless of his doctors form of physician recommendations. While walking in the park, James experiences a sudden recurrence of chest pain, and has a heart attack. Would this be covered?

    *Example 2: Sony with chronic kidney issues*
    Sony is visiting her son from India. She has a chronic medical condition which affects her kidneys. While visiting her granddaughter's college she has a sudden recurrence of her pre-existing kidney issues. The symptoms are of short and rapidly progressing. Is there coverage for this acute onset event through her travel insurance?

    If you are looking for a plan that will cover parents no matter what happens- You can buy the INF Elite plan. This plan covers any worsening of pre-existing conditions, including issues related to kidney, thyroid, blood pressure, diabetes, and much more. INF Elite plan treats pre-existing conditions like new sickness. INF Elite visitors insurance covers all pre-existing conditions.

    *Example 3: Amit with mild BP and Sugar*
    Amit is visiting the USA for the birth of his grandson. Amit is quite healthy, and has only the things that come with age- a little bit of BP, diabetes, and the occasional leg pain. This is his first time visiting the USA, and his body takes a bit of time to adjust to the new air, water, climate, and food. After a few days after Amit arrives to the US, he contracts a Urinary Tract Infection. The infection rapidly progresses, and it ends up with Amit having acute kidney failure. Is this going to be covered by an Acute Onset of Pre-Existing Conditions plan?

    Only the INF Plans cover urinary tract infections.

    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.
    They must go through special membership approval for INF Elite / Premier / Standard / Traveler USA for Greencard holders.
    Yes, they can buy INF travel insurance.
    No time limit- but special approvals are much faster within 1 week after arrival.

    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: 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. These conditions can include chronic illnesses such as diabetes, heart disease, or cancer, or any other condition that requires regular medical treatment or attention.

    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 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.

    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 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.

    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.

    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.

    There is a minimum purchase of 90 days required to buy these INF Elite plans.

  • INF Elite and INF Premier insurance FAQs related to pre-existing conditions.

    1. My dad had a stroke 10 years ago. If he has a complication related to this issue- is that pre-existing?
    No. Since it is beyond pre-existing consideration period, any complication related to his stoke would be considered "new sickness" under this plans.
    Yes. All of these expenses are covered. Since your dad is in a stable condition when he had a heart attack - this acute onset of pre-existing conditions are considered as "new sickness". Since the heart attack is "new sickness" - you do not have to meet a separate deductible for out-patient services.
    Complications specifically related to the bypass surgery would be considered "pre-existing" and be subject to the pre-existing condition maximum. However, other heart complications may be considered new sickness, depending on the doctors observation & medical records.
    No. Even if your father has high blood pressure, a heart attack would be considered a "new sickness" under the INF Elite travel insurance & INF Premier visitor health insurance.
    Yes, INF Elite Network insurance and INF Premier visitor health insurance cover any acute onset of pre-existing conditions.
    No. Although these are acute onset of pre-existing conditions, they are treated like new sicknesses if there is no history of such condition in the last 12 months.
    No. Since she has been stable and has not visited a doctor for lightheadedness is the last 12 months - this would be considered a "new sickness" and covered until the policy maximum.
    INF Elite Network insurance & INF Premier travel insurance with pre-existing coverage is for any out-patient care related to pre-existing conditions. All "acute onset" events are new sicknesses if there is no history in the last 12 months, and therefore are subject to the policy maximum
    Yes. However, we treat these like new sicknesses. Meaning you are always covered underneath an INF plan.
    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.
    Yes – INF travel insurance will cover the worsening of the condition, but not maintenance or preventive care.
    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.
    Yes – INF US travel insurance will cover the worsening of the condition, but not maintenance or preventive care.
    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.
    Yes - INF US visitor insurance will cover the worsening of the condition, but not maintenance or preventive care.
    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.
    Yes - INF visitors insurance for USA will cover the worsening of the condition, but not maintenance or preventive care.

Best Travel insurance with Pre-existing Conditions Coverage

Pre-existing condition is a medical ailment that existed before the start of the travel insurance policy.Pre-existing condition is a sudden relapse of the pre-existing condition without advance warning which requires medical attention within 24 hours. As of a few years ago, companies now exclude chronic illnesses from this "Pre-existing condition" coverage which has deep impacts to people purchasing travel health insurance, particularly people with these conditions and older travelers.

Travelers with pre-existing conditions always find it hard to buy travel health insurance. There are various conditions that are considered as pre-existing diseases but some of common ailments in this category are asthma, food & drug allergies, environmental allergies, heart related issues, high blood pressure, kidney disease, cancer, and diabetes. Typically all insurance providers have their terms and conditions for the pre-existing condition coverage provided. Most do not cover anything related to a pre-existing condition. Travelers can buy a travel insurance policy without a medical check, however most insurance providers only provide coverage for pre-existing conditions which excludes chronic illnesses, like cancer, diabetes, and heart conditions. With the pre-existing condition there is a "look back" period of 60-180 days to determine the claim.

Some insurance providers offer travel insurance for pre-existing conditions with fixed or limited coverage which may be suitable for people without chronic illnesses, like food allergies and certain asthma conditions. The Safe Travels USA, Safe Travels USA Cost Saver, and Safe Travels USA Comprehensive all offer $1000 coverage for pre-existing conditions without limitation to chronic illness. If travelers have a medical condition they are concerned about, it is very important for them to buy a policy that includes the illnesses in the coverage and to be aware of the terms of pre-existing condition coverage.

INF is one of the few companies which offers travel insurance plans for travelers with full coverage for pre-existing ailments. They define pre-existing conditions differently and do not exclude chronic illness. First of all, if the person has had no flare up or change in their condition, even if they take medication for it (as long as there has been no change in medication) for 12 months prior to the start of the plan, then the plan does not consider it as a pre-existing condition. If there has been a flare up or change in the condition, then it is covered but at a lower maximum than the overall maximum of the plan and may be subject to a higher deductible.

They have two plans which have this coverage: INF Premier and INF Elite. The Premier plan is a fixed plan which has limitations on the coverage of each medical expense. The Elite plan is an 80/20 comprehensive plan (the plan pays 80% and the insured 20% after the deductible). INF offers the best travel insurance for pre existing medical conditions but the difference is reflected in the cost, particularly in the Elite plan. Note that regularly needed maintenance medications or treatments are still not covered with these plans, only if there is a new problem will there be coverage. However, the problem does not need to be life-threatening or acute. Travelers with pre-existing conditions should weigh these options to reduce their risk of high medical costs should they suffer from one of their conditions while traveling. Note that the plans need to be purchased for at least 90 days, so these are more suitable for longer term stays in US, Canada, and/or Mexico. Also, the plans may be purchased by green card holders as long as they have a non-US residence address. The Elite plan has several variations : INF Elite, Elite Plus and INF Elite 90.

To compare the best travel insurance for full pre-existing conditions plans offered by INF, use this link: INF Premier & INF Elite best travel insurance for pre-existing conditions.

INF Visitor medical insurance for pre-existing conditions

What is covered by INF Visitor Medical Insurance:
1. Worsening Pre-Existing Conditions
A worsening pre-existing condition is one that is otherwise stable but has become worse in a new manifestation.
2. Acute Onset of Pre-Existing Conditions
Sudden, Rapid, Unpredictable emergency related to pre-existing issue.
3. New Sickness & Accidents
  • New Illnesses include UTI or Kidney Issues, Fever, Headache, etc - Accidents are random in nature
  • COVID-19 is covered like a new sickness under INF.

What is not covered by INF Visitor Medical Insurance:

1. Maintenance Treatment, Devices, or Prescription Drugs
Includes treatment for on-going illnesses, derivatives/ complications of that illness, medical devices to monitor chronic conditions, or maintenance drugs for pre-existing conditions like Lipitor or Amlodipine.
2. Preventative Treatment, Devices, or Prescription Drugs
INF will not cover preventive treatment like physicals, regular doctor checkups, or drugs that are used for prevention of other diseases.
3. Pregnancy & Childbirth
No coverage for pregnancy before the policy effective date.
4. Cancer Treatment
No coverage for cancer treatment, or cancer related illnesses in the policy.
5. Dialysis Treatment
No coverage for dialysis treatment.
6. Planned, expected, or anticipated medical care
There is no coverage for expected, planned, or anticipated medical care. If your clients are planning to take their visitor to any clinic, treatment, or anything of the like it will be rejected by the insurance company.
7. Medical Tourism
INF does not cover medical tourism for issues like elective or medically necessary surgery, cancer treatments, specialist treatment for on-going medical issues.
INF Visitor Medical Insurance plans are designed only to cover truly unexpected sickness and accidents- all other claims are at risk of being denied if they are deemed to meet any (but not limited to) of the above restrictions.

INF Visitor Medical Insurance plans will cover any unexpected sickness or accident, but any planned medical treatments, treatment for on-going issues, or maintainance treatment will not be covered by INF.

Best travel insurance with pre existing conditions

Travel Insurance tips for Pre-Existing Conditions

Here are some travel insurance tips for travelers with pre-existing conditions:

  1. Choose a travel health insurance plan that covers pre-existing conditions.
  2. Read the policy carefully to understand what is covered and what is not.
  3. Be aware of any waiting periods for coverage of pre-existing conditions.
  4. Consider buying a visitors insurance policy with higher coverage limits.
  5. Carry a copy of your medical records and list of medications with you when traveling.
  6. Ensure that you carry your medical prescription and medicines during your trip.
  7. Know how to access medical care in your destination.
  8. Contact your visitors insurance provider immediately in case of any medical emergency.
  9. Disclose all pre-existing conditions when buying visitors health insurance.
  10. Follow all necessary procedures to file a claim for reimbursement of medical expenses.

What are the INF pre-existing conditions travel insurance options?

There are several US travel insurance plans available for international travel, however most of these travel insurance plans exclude pre-existing conditions. This means that a travel insurance plan will not cover the costs of treating a pre-existing medical condition. The insurance company can therefore deny a claim if the ailment was pre-existing when the travel insurance was purchased.

INF is the only US insurance provider who is offering visitors travel insurance coverage for pre-existing conditions without limiting it to acute onset of a pre-existing condition. The INF Elite insurance plans cover pre-existing conditions up to a clearly defined pre-existing conditions limit which is different from the policy maximum. It is very important to compare the different travel insurance for pre-existing conditions coverage for the price and coverage details before buying the US travel insurance.

What are the important factors for pre existing conditions visitors health insurance?

The following are the important factors to consider while purchasing travel insurance for pre-existing conditions

  1. The definition of pre-existing conditions and the look back period under the policy.
  2. The eligibility age limit for pre-existing conditions coverage.
  3. Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
  4. The coverage limit for pre-existing conditions which is different from the policy medical maximum.
  5. The deductible and out of pocket expenses for pre-existing conditions coverage.

Why is pre-existing conditions travel health insurance important?

There are many international travelers who have medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Many of the regular travel insurance plans exclude any coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing. At American Visitor Insurance, we offer plans which do offer coverage for acute onset of a pre-existing condition, as well as full coverage for pre-existing conditions up to a clearly defined limit in the policy document. All of these details can be better understood by using our facility for comparing visitors insurance for pre-existing conditions.

How does pre-existing conditions travel insurance work?

Pre-existing conditions travel insurance plans are designed to provide coverage for conditions that existed or still exist which started before the insurance plan became effective. Normally , travel insurance provides coverage for unexpected medical emergencies, trip cancellation, baggage delay and loss and medical emergencies and hospitalization. The plans that cover pre-existing conditions can vary from one provider to the other.They also have limitations for age factor and do not provide coverage for most people above 70.It is important to review the policy carefully to see if it covers the things that you want to get coverage.

Pre existing condition is defined as the medical condition that has been diagnosed with or received treatment for certain period of time before the policy became effective.

Coverage exclusions: The pre -existing condition travel insurance may restrict the coverage for some specific conditions,and will have limitations around the age of the individual, or have waiting periods to start coverage.

Medical emergency coverage: If the traveler experiences medical emergency related to the pre-existing condition, during the trip, then the insurance will cover the eligible medical expenses.

Trip cancellation or Interruption: Some plans will provide coverage for trip cancellation related to the pre existing condition in case you need to cancel the trip for the medical issue.

Claims: For a covered claim, you need to file a claim with the insurance provider

Reviewing the policy: Before purchasing the plan, carefully review the policies terms and condition to understand the coverage, limitations and requirements for pre-existing conditions.

Pre-existing conditions coverage - FAQ's

01. How do I know if my pre-existing condition is covered by travel insurance?

Unfortunately, this simple question has a fairly complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance that can cover pre-existing conditions and even plans that are travel medical only without cancellation often are more generous in their coverage of pre-existing conditions. These plans may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.

Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There are only two policies we know of that offer coverage for pre-existing medical conditions. They are INF Premier and INF Elite plans.

Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.

INF Elite (also INF Elite 90) are comprehensive plans offering fairly complete coverage. INF Premier is a fixed plan. Find details on these plans here.

The above plans must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions.

The other option, of course, is to take a plans with little ($1000) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.

02. What does full coverage for Pre-Existing Conditions mean?

INF plans boast they offer "full" coverage for pre-existing conditions. This can be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the INF Elite and INF Premier is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation.

03. What does acute onset of pre-existing conditions mean?

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms). A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset.

The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

04. What is the difference between Full Pre-Existing & Acute Onset Insurance?

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

05. What are the limits of Full Pre-Existing plans under INF travel insurance?

Full Pre-existing means we will cover any issue regarding a pre-existing condition, however, if one is traveling to the United States solely for medical treatment, that will not be covered. INF plans do not cover any medical tourism related claims. Pre-existing conditions under the INF plans are covered with a higher deductible and a lower maximum than other illnesses or injuries. These are chosen or specified when you purchase you plan.

06. Do INF travel insurance plans really cover all pre-existing conditions?

Yes, the INF policies will cover any pre-existing issue that the traveler may have during their stay in the United States. This includes blood pressure, diabetes, kidney related issues and arthritis, all of which are covered by the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plans.

07. Why are Full Pre-Existing plans more expensive than other visitors insurance plans?

The insurance company takes on an enormous risk by insuring individuals and including coverage for pre-existing conditions without any prior medical examination. Under the INF plans, you are paying more, but you are getting the full value for the money you pay given the very high cost of US healthcare. With the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plans, even though it is expensive, you can have the comfort of knowing that you are covered for any emergency or contingency. This peace of mind given the expensive US healthcare expense is what makes INF plans worth it despite being expensive.

08. What services are covered under visitors insurance full pre-existing coverage?

The list of covered services under Visitors insurance full pre-existing conditions coverage can be found on the American Visitor Insurance website of the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plan pages. INF plans are open to green card holders

INF travel insurance plans, INF visitor insurance reviews

Ideal for: For any Non-US Citizens & anyone visiting USA ,Canada,Mexico and traveling worldwide outside their home country.
Purpose: INF visitor health insurance offer coverage for pre-existing conditions, medical expenses , loss of checked luggage, medical emergencies and accidents incurred while traveling.

INF Covid19 travel insurance will cover eligible medical expenses resulting from COVID-19.

Travel plans
Elite Plans
Elite Network plan is available for Non-US Citizens & anyone visiting USA ,Canada,Mexico and traveling worldwide outside their home country..
Underwriter: Crum & Forster SPC.
Safe Traveler USA
Safe Traveler USA plan is available for Non-US Citizens & anyone visiting USA ,Canada,Mexico and traveling worldwide outside their home country..
Underwriter: Crum & Forster SPC.
Premier plan is available for Non-US Citizens & anyone visiting USA ,Canada,Mexico and traveling worldwide outside their home country..
Underwriter: Crum & Forster SPC.
Standard plan is available for Non-US Citizens & anyone visiting USA ,Canada,Mexico and traveling worldwide outside their home country..
Underwriter: Crum & Forster SPC.
Elite Plus
Elite plus plan is available for Non-US Citizens & anyone visiting USA ,Canada,Mexico and traveling worldwide outside their home country..
Underwriter: Crum & Forster SPC.
Elite 90
Elite 90 plan is available for Non-US Citizens & anyone visiting USA ,Canada,Mexico and traveling worldwide outside their home country..
Underwriter: Crum & Forster SPC.
Safe Traveler USA 90
Safe Traveler USA 90 plan is available for Worldwide coverage.
Underwriter: Crum & Forster SPC.
Premier Plus
Premier Plus plan is available for Worldwide coverage.
Underwriter: Crum & Forster SPC.
Hop! Mindoro Travel Assistance
Hop! Mindoro is a new fixed benefit travel assistance membership which provides travel, medical, legal, and personal assistance for Non-US Citizens & anyone visiting USA ,Canada,Mexico and traveling 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.
BMI Travel Insurance
BMI Travel Insurance plan is available for Non-US Citizens & anyone visiting USA ,Canada,Mexico and traveling worldwide outside their home country..
INF-BMI travel assist provides travel & medical assistance for international trips with no deductible or copayments and provides medical assistance for pre-existing conditions, acute onset of pre-existing conditions, and COVID-19 as per the limits in the Plan.

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