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INF Full Pre-existing Conditions Visitor Insurance

The Premier Plan is the only fixed benefit (Scheduled benefits) plan with full pre-existing coverage and the Elite Network Plan is the only comprehensive visitor medical insurance plan with full pre-existing coverage. There is no look back period for INF Premier and INF Elite visitors insurance plans.

How much does visitor health insurance USA cost?

INf Elite vs INF Premier insurance cost comparison

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 Elite Insurance
INF Premier
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Pre-existing Coverage: Included
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Covid19 coverage Treats Coronavirus as a new sickness & covered by the plan Treats Coronavirus as a new sickness & covered by the plan
Plan Type Minimum: 90 days
Maximum: 365 days		 Minimum: 90 days
Maximum: 365 days
Length of Coverage Minimum: 90 days
Maximum: 365 days		 Minimum: 90 days
Maximum: 365 days
Plan maximum Age 0 to 69: $100,000; $150,000; $300,000
Age 70 to 99: $100,000		 Age 0 to 69: $150,000; $250,000; $300,000
Age 70 to 99: $75,000
 Medical Benefits
Hospital room and board Plan 100k: Charges up to $1,750 a day, to 30 days
Plan 150k: Charges up to $1,900 a day, to 30 days
Plan 300k: Charges up to $3,000 a day, to 30 days		 Covered
Surgeon (In-Patient/Out-Patient) Plan 100k: Charges up to $5,000 maximum
Plan 150k: Charges up to $6,000 maximum
Plan 300k: Charges up to $8,000 maximum		 Covered
Intensive care unit Plan 100k: Charges up to $750 maximum additional a day, to 8 days
Plan 150k: Charges up to $850 maximum additional a day, to 8 days
Plan 300k: Charges up to $1150 maximum additional a day, to 8 days		 Covered
Diagnostic X-Ray (Out-Patient) Plan 100k: Up to $650 maximum
Plan 150k: Up to $750 maximum
Plan 300k: Up to $1,150 maximum		 Covered
CAT/PET/MRI Scan (Out-Patient Plan 100k: Up to $650 additional
Plan 150k: Up to $1,000 additional
Plan 300k: Up to $1,400 additional		 Covered
Prescription Drugs and Medications Plan 100k: Up to $150 maximum
Plan 150k: Up to $200 maximum
Plan 300k: Up to $300 maximum		 Covered
Physical & Occupational Therapy Plan 100k: Up to $45 a visit max, 1 visit a day to 12 visits
Plan 150k: Up to $50 a visit max, 1 visit a day to 12 visits
Plan 300k: Charges up to $100 a visit maximum, 1 visit per day to 12 visits		 $50 per visit up to a maximum of $500
Rehabilitative Braces or Appliances Plan 100k: Up to $1,100 maximum
Plan 150k: Up to $1,200 maximum
Plan 300k: Up to $1,500 maximum		 Covered
Surgical Room & Supply Expenses (Out-Patient) Plan 100k: Up to $1,100 maximum
Plan 150k: Up to $1,200 maximum
Plan 300k: Up to $1,800 maximum		 Covered
Assistant Surgeon (In-Patient/Out-Patient) Plan 100k: Up to $1,250 maximum
Plan 150k: Up to $1,500 maximum
Plan 300k: Up to $2,500 maximum		 Covered
Doctors Non-Surgical Visit(In-Patient/Out-Patient) Plan 100k: Up to $100 maximum a visit, 1 visit a day, to 30 visits
Plan 150k: Up to $125 maximum a visit, 1 visit a day, to 30 visits
Plan 300k: Up to $175 maximum a visit, 1 visit a day, to 30 visits		 Covered
Consultant Doctor Plan 100k: $450 maximum
Plan 150k: $500 maximum
Plan 300k: $500 maximum		 Covered
Anesthetist (In-Patient/Out-Patient) Plan 100k: Charges up to $1,250 maximum
Plan 150k: Charges up to $1,500 maximum
Plan 300k: Charges up to $2,500 maximum		 Covered
Private Duty Nurse Plan 100k: Charges up to $500 maximum
Plan 150k: Charges up to $550 maximum
Plan 300k: Charges up to $550 maximum		 Covered
;Emergency medical treatment of pregnancy Plan 100k: Charges up to $5,000 maximum
Plan 150k: Charges up to $5,500 maximum
Plan 300k: Charges up to $5,500 maximum
(Conception must occur after Trip begins)		 Covered
 Emergency Services
Emergency local ambulance Plan 100k: Charges up to $450 maximum
Plan 150k: Charges up to $500 maximum
Plan 300k: Charges up to $1,000 maximum		 Covered
 Dental
Emergency dental treatment Plan 100k: Charges up to $500 maximum. There are no benefits for dental services for immediate relief of pain.
Plan 150k: Charges up to $550 maximum.
Plan 300k: Charges up to $550 maximum. There are no benefits for dental services for immediate relief of pain.		 Covered
 Acute Onset of Pre-Existing Condition
Acute Onset of Pre-Existing Conditions Under age 70: Policy maximum $100,000 - Covers up to $20,000/$40,000 maximum with deductible $1,000/$5,000 and Policy maximum $150,000 - Covers up to $30,000/$60,000 maximum with deductible $1,000/$5,000 Policy maximum $300,000 Covers up to $50,000/$100,000 with deductible $1,000/$5,000 for age 0 to 69 years.
Age 70 to 99: Policy maximum $100,000 - Covers up to $15,000/$25,000 pre-existing maximum with deductible $1,000/$5,000.		 Under age 70: Policy maximum $150,000 - Covers up to $25,000 maximum with deductible $1,500.
Age 70 to 99: Policy maximum $75,000 - Covers up to $20,000 maximum with deductible $1,500.
 Life
AD&D Plan 100k: $25,000 maximum
Plan 150k: $25,000 maximum
Plan 300k: $25,000 maximum		 Up to $25,000 maximum
 Evacuation
Emergency medical evacuation Plan 100k: Up to $20,000 maximum
Plan 150k: Up to $25,000 maximum
Plan 300k: $45,000 maximum		 Up to $25,000 maximum
Return of mortal remains Plan 100k: Up to $15,000 maximum
Plan 150k: Up to $20,000 maximum
Plan 300k: $30,000 maximum		 Up to $20,000 maximum
 Unique Features
Unique Features
  • This fixed plan from INF provides full pre existing condition coverage which includes doctor appointments, blood tests, specialty care, urgent care visits and hospital stays
  • Minimum purchase of 90 days is required with this plan
  • Plan covers pregnancy and childbirth if the plan is purchased before conception, before the trip begins
  • This plan is not available to US residents and is only available to non-US residents
  • Covers age up to 99 Years.Pre-Existing Complications from COVID-19 Covered
  • In-Patient, Out-Patient, Specialist Care Covered for Pre-Existing.
  • Comprehensive plan with full pre existing condition coverage which is unique. This includes doctor appointments, blood tests and lab, specialist care, urgent care visits and hospital stays are covered for pre existing conditions
  • Pre-Existing Complications from COVID-19 Covered
  • There is a minimum purchase of 90 days required to buy this plan
  • This plan is not available to US residents and is only available to non-US residents
  • Covers 80% of Eligible Medical Expenses
  • Includes Dental & Vision Discount Coverage
  • Acute Onset is Considered New Sickness
  • COVID-19 Medically Necessary Testing & Treatment covered as any other new sickness.
 Travel Insurance
Underwriter Premier Plan Insurance Underwriter
Underwritten by ACE American Insurance Company, a member of the Chubb Group of Companies.		 Elite Plan Insurance Underwriter
Underwritten by ACE American Insurance Company, a member of the Chubb Group of Companies.
Rating Premier Plan Insurance Rating
AM Best Rating: A++		 Elite Plan Insurance Rating
AM Best Rating: A++
Brochure and Details

INF best health insurance for visitors to USA with pre-existing conditions

Please explain the difference between full coverage for pre-existing conditions and coverage for acute onset of pre-existing conditions by INF US visitor insurance.

Most of the US visitors insurance plans provide coverage for "Acute Onset of Pre-Existing Conditions". This basically provides coverage in the event of an existing medical ailment becoming life threatening and needing emergency medical care. This coverage will usually have exclusions for coverage of gradual or slow worsening of the existing ailment.

INF is one of the few companies which offers USA travel insurance plans for visitors to the US with full coverage for pre-existing ailments. INF offers best travel insurance for pre existing medical conditions with full Pre-Existing conditions coverage. This means INF visitors insurance with pre-existing conditions coverage insures any in-patient, out-patient, urgent care, specialist, doctor visits, anything related to pre-existing conditions. The INF plans treat the pre-existing conditions like any new sicknesses. Prescription Medications are also covered when prescribed for a recent medical incident caused by a pre-existing condition. However, maintenance medications like Lipitor are not covered under this plan. This also means INF will not have exclusions that are typical in 'acute onset of pre-existing conditions'. Some of the common pre-existing condition exclusions are:

  • A limit on the coverage for certain adverse medical events like a myocardial infraction, heart attack or other Cardiac events.
  • A limit on the number of occurrences within the insured period.
  • Explicit exclusions for certain ailments like Urinary Tract infections, Kidney infections or Bladder infections.
This also explains why 'Full pre-existing conditions coverage' is more expensive than coverage only for 'acute onset of pre-existing conditions'. However, please note the INF does not support medical tourism, where patients buy this insurance simply to get medical treatment for an existing ailment.

Why are INF Full travel insurance pre existing conditions plans more expensive than other travel insurance covering pre existing conditions?

The Full pre-existing conditions coverage plans treat any issue related to a pre-existing condition like a New Accident and Sickness, subject to the policy maximum and deductible limits. This explains why 'Full pre-existing conditions visitor insurance coverage' plans are more expensive than coverage only for 'acute onset of pre-existing conditions'.

Does INF travel insurance really offer coverage for all preexisting conditions?

In short the answer is Yes. INF insurance will cover any pre-existing conditions ranging from blood pressure, diabetes, to kidney complications and arthritis. All of these issues are all covered by the INF Premier, INF Elite, Elite Plus and INF Elite 90 best travel insurance for pre existing conditions

Compare the best travel insurance for full pre-existing conditions plans INF Premier & INF Elite best travel insurance for pre-existing conditions.

Note: **INF Premier, Elite, Elite Plus and Elite 90 plans have a fixed pre-existing condition maximum limit up to which the pre-existing condition would be covered.
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INF Premier and Elite Plan - Frequently asked questions

  • What is the advantage of buying Premier Plan Insurance?
    Premier Plan Insurance Covid19 travel insurance by INF for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.
    Does Premier Plan Insurance cover covid illness?
    INF Covid19 travel insurance by Premier Plan travel insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.
  • What is the advantage of buying INF Elite Insurance?
    Elite Insurance Covid19 travel insurance by INF for coronavirus will cover eligible medical expenses resulting from covid19/SARS-CoV-2.
    Does INF Elite Insurance cover covid illness?
    INF Covid19 travel insurance by Elite Network 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.
    How is the deductible paid and how is the plan maximum offered for INF Elite visitor insurance? Is it per injury/per sickness and is there a cap with the maximum coverage?
    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.
    Does INF insurance cover medical tourism?

    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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