📌 INF Elite 90 X Travel Insurance
Ideal for international travelers visiting the U.S., Canada, or Mexico, Starting at just $17.3/day *
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!
⭐ INF Elite 90 X Plan Insurance Reviews
🧾 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.
- Ages 0–69: Available coverage options are $150,000, $250,000, $300,000, $500,000, $1,000,000.
- Ages 70–99: 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.
INF Elite 90 X insurance has deductible options of :
- Ages 0–69: $75, $100, $250, $500, $1,000, $2500, $5,000.
- Ages 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:
- In-PPO-Network: After deductible, plan pays 90% up to policy maximum
- Out-PPO-Network: After deductible, plan pays 70% up to policy maximum
❓ 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.
- Covers 90% of Eligible Expenses: Eligible medical expenses are covered up to 90%, helping minimize out-of-pocket payments.
- Urinary Tract Infection Coverage: Covers up to $2,000 for treatment of urinary tract infections.
👤 Who is Eligible for INF Elite 90 X?
Available for non-U.S. citizens and non-U.S. residents traveling to the USA, Canada, or Mexico.
- For ages 14 days to 99 years.
- Coverage available from 90 to 364 days.
- Can be purchased before or shortly after arriving in the U.S., with coverage starting immediately upon purchase
❤️ Does INF Elite 90 X Cover 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
💰 How Much Does INF Elite 90 X Insurance Cost?
The cost of Elite Elite 90 X insurance starts from $519 for a 3-month period, depending on factors such as:
- Traveler’s age
- Selected policy maximum
- Deductible amount
Older travelers have higher premiums due to increased medical risk. Choosing a higher maximum increases the premium, while a higher deductible lowers it.
- Ages 0–69: $150,000, $250,000, $300,000, $500,000, $1000,000.
- Ages 70-99: $75,000
Example: Below is the monthly cost of INF Elite 90 X insurance of coverage with a $250 deductible, provided by American Visitor Insurance.
| Age of traveler | Medical Maximum | |||||
|---|---|---|---|---|---|---|
| $150,000 | $250,000 | $300,000 | $500,000 | $1,000,000 | ||
| 18 – 29 years | $519 | $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 | |
For ages 70 – 79 years the cost is $3,745 for 3 months with medical maximum of $75,000 and deductible $250.
For ages 80 – 99 years the cost is $4,807 for 3 months with medical maximum of $75,000 with deductible $250.
✅ What Are The Benefits of INF Elite X 90 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 -
Pre-Existing Conditions For age 0-69: Maximum Benefit Options: $25,000, $30,000, $40,000, or $50,000.
For age 70-99: Maximum Benefit: $20,000; Deductible choices: $1,500, $2,000, $2,500, $5,000, or $10,000
🚫 What are the Exclusions of INF Elite 90 X 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.
🏥 What Is The INF Elite 90 X Insurance 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.
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🔔 Why Should I Buy INF insurance on American Visitor Insurance?
American Visitor Insurance has developed comparison tools to help travelers compare prices and benefits of different INF plans and to make an informed decision of the best INF travel insurance plan for your specific requirements. American Visitor Insurance's licensed customer support staff help customers by providing answers to any queries while buying INF travel insurance. The customer support staff are available at all times to help you with the online application process and to extend the travel insurance or even cancel the plan if travel plans change. American Visitor Insurance’s staff can also help customers while filing for any insurance claims if needed
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 and 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.
❓ 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.
🧾 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
