📌 What is INF Elite X Insurance?
Ideal for international travelers visiting the U.S., Canada, or Mexico, Starting at just $15.16/day
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
⭐ INF Elite X Insurance Reviews
🧾 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.
- Ages 0–69 years: Available coverage options are $150,000 ,$250,000, $300,000, $500,000, $1,000,000
- Ages 70–99 years: Coverage is limited to $75,000.
📉 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 : Age 0 – 69 : $100, $250, $500, $1,000, $2,500, or $5,000
Age 70 – 99 : $250, $500, $1,000, $2,500, $5,000
🛩️ Why is INF Elite X a Top Travel Insurance Choice for Visitors to the USA?
INF Elite X is a popular US travel insurance choice especially for parents and seniors as it is the only comprehensive plan with full pre-existing condition coverage. Unlike most policies that cover only acute onset, Elite X protects ongoing health issues ideal for parents, seniors, and travelers with medical histories. With coverage up to $1,000,000, flexible deductibles, nationwide PPO access, and emergency evacuation benefits, it delivers complete, reliable protection across the U.S.
💰 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:
- In PPO Network: 80% or 90% of charges up to the coverage
- Out PPO Network: 60% or 70% of the Usual and Customary charges
👤 Who Is Eligible for INF Elite X Insurance Plan?
- 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.
- Coverage must be purchased before your departure from home.
❓ Why Should I buy INF ELite X visitor insurance?
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:
- Full 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.
- Best 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.
- Coinsurance 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.
- Access 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.
- Coverage 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.
- Urgent 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.
- Emergency medical support Covers emergency medical evacuation, repatriation of remains, ambulance services, and accidental death & dismemberment, giving families peace of mind.
- Flexible 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.
💰 How Much Does INF Elite X Insurance Cost?
The cost of Elite X insurance starts from $211 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 X insurance of coverage with a $250 deductible, provided by American Visitor Insurance.
| Age of traveler | Medical Maximum | |||||
|---|---|---|---|---|---|---|
| Maximum $150,000 | Maximum $250,000 | Maximum $300,000 | Maximum $500,000 | Maximum $1,000,000 | ||
| 18 - 29 years | $455 | $572 | $504 | $480 | $488 | |
| 30 - 39 years | $550 | $693 | $613 | $581 | $592 | |
| 40 - 49 years | $653 | $821 | $728 | $689 | $700 | |
| 50 - 59 years | $962 | $1,212 | $1,080 | $1,016 | $1,033 | |
| 60 - 69 years | $1,369 | $1,728 | $1,544 | $1,448 | $1,473 | |
For ages 70 – 79 years the cost is $3,238 for 3 months with medical maximum of $75,000 and deductible $250.
For ages 80 – 99 years the cost is $4,194 per 3 months with medical maximum of $75,000 with deductible $250.
🩺 Does INF Elite X Provide Coverage for Pre-Existing Conditions?
- One of the highlights is comprehensive coverage for pre-existing conditions, to age 99, which is best for seniors or people with continuing health problems.
- For 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).
- For age 70 through 99, pre-existing conditions are paid up to $20,000, with a deductible of $1,500.
✅ What Are The Benefits of INF Elite X Insurance?
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Hospital room and 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 copayAssistant 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 -
Accidental Death and Dismemberment help $25,000 24/7 Travel Assistance Services Included Incurral Period 90 days after the date of Injury/Sickness
🏥 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’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 Elite X insurance on American Visitor Insurance?
American Visitor Insurance has developed comparison tools to help travelers compare prices and benefits of different Elite X plans easily and make an informed decision of the best Elite X travel insurance plan for your specific requirements. American Visitor Insurance's licensed customer support staff help customers by providing answers to any queries or concerns while buying Elite X travel insurance. The customer support staff are available at all times to help you with the online application process as well as to help customers while filing for Elite X insurance claims should you need to use the insurance coverage while in the USA.
🫀 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.
❓ INF Elite X Visitor Insurance – FAQ’s
INF Elite X Travel Insurance is designed for non-U.S. residents and non-U.S. citizens traveling to the United States, Canada, or Mexico. The plan is available for individuals aged 18–99 years, with coverage durations ranging from 90 to 364 days (extendable up to 364 days).
Previously, the plan had to be purchased before departing from the home country, but it is now possible to purchase after arriving in the U.S., as long as the traveler has a valid visa or passport stamp upon entry.
No, INF Elite X Travel Insurance does not cover quarantine benefit or emergency medical evacuation for Covid19.
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.
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.
Any non-U.S. citizen or resident visiting the U.S., Canada, or Mexico can purchase Elite X. The plan is available for travelers up to 99 years of age.
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.
🧾 Summary of INF Elite X Insurance
INF Elite X travel medical plan designed for non-U.S. residents traveling worldwide, including the USA, offering broad coverage with full pre-existing condition benefits.
- Covers 80% of eligible medical expenses
- INF Elite X insurance starts at $324 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
- Coinsurance: In-network pays 80% of eligible expenses; Out-of-network pays 60% of usual, reasonable & customary charges
- $25 in-network urgent care copay
- 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
