INF Elite 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.

From $445 3months  ·  less than $5/day
shopping_cartBuy Online - Best Price Guaranteed
picture_as_pdf Download Brochure star INF Elite X Insurance Reviews sync Renewal
INF Elite X Insurance Cost Calculator
Get your exact price instantly & buy coverage in minutes.

What is INF Elite X Insurance?

INF Elite X is a comprehensive 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
  • Great savings with United Healthcare PPO network
  • Access to ID card and documents online after purchase
  • 24/7 customer service and support available
handshake INSURANCE PROVIDER help
INF
star_rate_half RATING help
AM Rating: A
calendar_month COVERAGE PERIOD help
90 days to 364 days
business UNDERWRITER
Crum & Forster SPC
workspace_premium MAXIMUM LIMIT help
Age 0-69 years: $150K to $1M
Age 70-99 years: $75,000
paid DEDUCTIBLES help
Age 0-69 years: $100 to $5,000
Age 70-99 years: $250 to $5,000

Who Is INF Elite X Insurance Best Suited For?

elderly
High-Risk Age Groups (70-99)
Coverage available up to age 99 rare in visitor insurance with $75,000 max and reasonable deductible options.
passport
Green Card & Visa Holders
New immigrants and visa holders who don't yet have U.S. health insurance but need immediate coverage.
ecg_heart
Travelers with Chronic Conditions
Anyone with diabetes, heart conditions, or high blood pressure who needs more than "acute onset" coverage.
travel
Extended-Stay Travelers
Visitors staying 3-12 months who need long-term, reliable health coverage without gaps or expiration concerns.
add_location
Families Across U.S., Canada & Mexico
Those with chronic pre-existing conditions, stays longer than 12 months, or travelers who need trip cancellation coverage.
Coverage Limits

How Much Maximum Coverage Does INF Elite X Insurance Provide?

The policy maximum amount of coverage is the total dollar amount of benefits available under the INF Elite 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 $75,00
Your out-of-pocket

What Is a Deductible in INF Elite X Insurance?

The deductible is the amount the insured must pay before Elite X insurance starts to cover expenses. INF Elite X insurance has deductible options of:

  • check_circleAge 0 - 69: $100, $250, $500, $1,000, $2,500, or $5,000
  • check_circleAge 70 - 99: $250, $500, $1,000, $2,500, $5,000
Cost Sharing

What Is Coinsurance in INF Elite X Insurance?

Coinsurance is the percentage of eligible expenses that the insurance pays after the deductible is met. INF Elite X insurance pays:

  • check_circleIn PPO Network: ​80% or 90% of charges up to the coverage
  • check_circleOut PPO Network: 60% or 70% of the Usual and Customary charges
Who Can Apply

Who Is Eligible for INF Elite 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_circleCoverage must be purchased before your departure from home.
savings Pricing Guide

How Much Does INF Elite X Insurance Cost in 2026?

The cost of Elite X insurance starts from $445 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.

Ages 0-69: $150,000, $250,000, $300,000, $500,000, $1000,000 Ages 70-99: $75,000

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 $445 $560 $494 $469 $478
30 - 39 years $539 $678 $600 $568 $579
40 - 49 years $639 $803 $712 $674 $685
50 - 59 years $941 $1,186 $1,057 994 $1,011
60 - 69 years $1,340 $1,691 $1,511 $1,417 $1,441
70 - 79 years $3,238 for 90 days · Max $75,000 · Deductible $250
70 - 79 years $4,194 for 90 days · Max $75,000 · Deductible $250

Source: American Visitor Insurance® | Prices verified for 2026 travel season.

Why choose this plan

Why Should I Buy INF Elite X Visitor Insurance?

  • check_circleINF Elite 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_circleFull pre-existing conditions coverage Unlike most travel insurance plans that only cover acute onset, INF Elite offers full coverage for pre-existing medical conditions up to 99 years. This makes it ideal for travelers with chronic health concerns who need reliable protection while visiting the U.S.
  • check_circleBest comprehensive coverage for seniors (Up to Age 99) INF Elite is one of the most comprehensive plans available, especially for elderly travelers and visiting parents. It covers individuals up to 99 years old with no age-based restrictions or complicated medical screening.
  • check_circleCoinsurance After the deductible, INF Elite covers 80% of eligible medical expenses in-network and 60% out-of-network, helping to lower your overall costs while ensuring access to quality care.
  • check_circleAccess to UnitedHealthcare PPO Network The plan gives you access to the UnitedHealthcare PPO network, one of the largest provider networks in the U.S. You get quality care at top hospitals and clinics along with significant savings through discounted, in-network rates—reducing out-of-pocket medical expenses.
  • check_circleCoverage for Urinary Tract Infection (UTI) INF Elite includes coverage for common conditions such as urinary tract infections, providing up to $2,000 in benefits and additional peace of mind for travelers prone to such ailments.
  • check_circleUrgent Care Benefits Includes access to urgent care services with a $25 copay in-network and $50 copay out-of-network, ensuring timely treatment for non-emergency conditions during your visit.
  • check_circleEmergency medical support Covers emergency medical evacuation, repatriation of remains, ambulance services, and accidental death & dismemberment, giving families peace of mind.
  • check_circleFlexible long-term coverage Choose coverage from 90 days up to 364 days, ideal for extended stays. You have the flexibility to match the policy duration with your travel schedule.
lightbulb Buyer Guide

Does INF Elite X Provide Coverage for Pre-Existing Conditions?

INF Elite 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.

Benefits

What Are the Benefits of INF Elite X Insurance?

Hospital Room & Board help Covered
Intensive Care Unit help Covered
Surgery help Covered
Urgent Care Visits In Network: Covered with $25 copay
Out Network: Covered with $50 copay
Assistant Surgeon help 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
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
Dental Treatment injury to Sound, Natural teeth (Due to Accident) help Covered
Emergency Medical Evacuation help Up to $25,000
Return of mortal remains or cremation/burial help 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 help $25,000
24/7 Travel Assistance Services Included
Incurral Period 90 days after the date of Injury/Sickness
info

Note: INF Elite X insurance covers future medical emergencies only - not routine treatment or ongoing care for existing conditions.

Provider Access

What Is The INF Elite 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 are 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 it leads

Why INF Elite X is the Top Choice for Pre-Existing Conditions?

INF Elite X is a top-rated visitor insurance plan designed specifically for travelers with pre-existing conditions. It covers both new illnesses and stable pre-existing conditions, offering comprehensive protection with no waiting period. The plan accepts travelers up to age 99 and provides higher policy maximums, making it suitable for seniors and families with ongoing health needs.

Benefits include emergency medical treatment, hospitalization, evacuation, repatriation, and even telemedicine services, ensuring care is accessible anytime during the trip. With direct billing through a large PPO network, no medical exams required, and flexible deductible options, INF Elite X delivers strong, reliable coverage for visitors seeking full peace of mind while staying in the U.S., Canada, or Mexico.

stethoscope Covered conditions

What Pre-Existing Conditions Does Elite X Visitors Medical Insurance Cover?

Elite 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 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.

help Common Questions

INF Elite X Visitor Insurance - FAQs

Yes, you can cancel your INF plan within the first 10 days of purchase and receive a full refund, provided that you have not already filed a claim.
The advantage of buying INF Elite X Insurance is that it provides comprehensive coverage for both new medical conditions and stable pre-existing conditions without a waiting period.
Unlike many visitor insurance plans that only cover “acute onset,” Elite X offers broader protection, making it especially valuable for seniors and travelers with chronic health issues. It accepts applicants up to age 99, includes benefits like emergency medical care, hospitalization, evacuation, repatriation, and telehealth, and works with a large PPO network for direct billing. With no medical exams required and flexible deductible options, INF Elite X delivers peace of mind and reliable protection during visits to the U.S., Canada, or Mexico.
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.
INF Elite X travel medical insurance is designed for travelers with pre-existing conditions who need a higher level of coverage than what standard travel medical insurance provides.
This plan offers comprehensive medical coverage, including coverage for pre-existing conditions, emergency medical evacuation, and emergency reunion. It also offers a high maximum benefit limit and a low deductible, making it an excellent choice for those with significant medical needs.
Additionally, INF Elite X offers coverage for acute onset of pre-existing conditions, making it a good option for travelers to the US who have pre-existing conditions but may experience sudden acute symptoms during their trip.
Yes. Travelers can buy Elite X even after arrival in the U.S. However, for the INF Elite X plan, there will be a 5-day waiting period for any new sickness and pre-existing conditions if purchased after arrival.
Yes, INF Elite X Travel Insurance can cover pre-existing conditions related to Covid19, such as worsening pre-existing conditions or acute onset of pre-existing conditions. A worsening pre-existing condition is one that is otherwise stable but has become worse in a new manifestation.
An acute onset of pre-existing condition is a sudden, rapid, unpredictable emergency related to a pre-existing issue. The plan will pay 80% of eligible medical expenses up to the policy maximum within the United Healthcare PPO network, and 60% of eligible medical expenses outside of the PPO network, after the deductible is satisfied.
Compare Plans

INF Insurance Related Coverage

INF Elite Plus X insurance

Preventive care Full Pre-existing condition
  • Why buy? Plan will pay 90% of eligible medical expenses.
  • Ideal for: Covers Preventive & maintenance care and coverage for full body physicals.
description DetailsBuy Now

INF Elite 90 X insurance

Comprehensive plan Full Pre-existing condition
  • Why buy? Plan will pay 90% of eligible medical expenses.
  • Ideal for: This plan provides coverage for full pre-existing conditions up to 99 years of age.
description DetailsBuy Now
balanced

Compare INF Travel Insurance Plans - Benefits, Coverage & Prices

Review quotes and coverage benefits for your needs to get the best protection for your next trip - fast and easy.

View Plans »
menu_book Explore More

INF Resourceful Travel Insurance Links

descriptionClaims
cachedRenewal
blockCancellation
local_hospitalPPO Network
id_cardID Card
Get Quote »
call Call: (877)-340-7910 mail Email chatChat with us