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INF Elite Network Coronavirus Insurance for Covid19

Elite Network Insurance Cost, INF Elite insurance covid

inf
Insurance provider
INF
Elite Network Plan rating
AM Best Rating: A
Policy maximum?
Ages 0 to 69 years:$150,000; $250,000; $300,000
Ages 70 to 99 years:$75,000
Deductible options?
Ages 0 to 69 years:$50; $100; $250; $500; $1,000; $2,500; $5,000
Ages 70 to 99 years:$250; $500; $1,000; $2,500; $5,000
Elite Network Plan Underwriter
Underwritten by Crum & Forster SPC

INF Elite Network Plan Links

  • Brochures
  • Comprehensive
  • Claims
  • Renewal
  • Cancellation
  • Reviews

Elite Network Insurance, INF Elite insurance for visitors - Key Highlights

  • 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.
  • This plan covers Covid-19
  • There is a minimum purchase of 90 days required to buy this plan.
  • This plan is available for Non US citizens coming to the US.

Elite Network For Visitor Accident & Sickness Insurance

The Elite Network plan is the only short-term insurance plan. This plan offers two unique features:
  • Full Pre-Existing Insurance :The Elite Network covers all pre-existing conditions for Non-US Citizens.This includes doctors appointments, blood tests & labs, specialist care, urgent care visits, & hospital stays are all covered for pre-existing conditions.
    Elite Network plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years and for policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
  • Comprehensive Insurance for Ages 70+ : It covers all ages up to 99 years old.
  • Elite plan considers only the sicknesses within the last 12 months as pre existing conditions.
  • Elite plan considers the "Acute onset of pre existing conditions" as a new sickness, meaning that the insured is covered up to the policy maximum for this.
  • Additional features: The Elite plan comes with the Careington POS Discount Card with no additional cost which provides savings on dental, vision, prescription and hearing products and services. You can save up to 50% on dental procedures.

Elite Network insurance summary, INF Elite visitors insurance

Elite Network coinsurance?
  • Age below 69 years:
    • In-Network:80% or 90%of the Preferred Allowance
    • Out-of-Network:60% or 70% of Usual, Reasonable & Customary (URC) Charges
  • Age above 70 years:
    • In-Network:90% or 80% of the Preferred Allowance
    • Out-of-Network:70% or 60% of Usual, Reasonable & Customary (URC) Charges
Elite Network insurance eligibility
  • This plan is available for Non-US Citizens.
  • Anyone visiting USA or Canada can enroll in this plan.
  • An application fee of $15 needs to be paid for enrolling as a member for the policy and it expires at the termination of the policy.
  • Minimum Enrolment should be 90 days to buy INF Elite Network Plan.
  • Available to visitors to the USA who have not yet arrived in the United States

cancellation Elite Network Cancellation

The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

  • Changes in dates can be made with no additional charge or penalty. This includes preponing or postponing coverage before the effective date of the plan. This is always our policy and will not changes
  • Policies can be cancelled before the start date of the policy with a minimal $25 cancellation fee. If the insured has not started their trip due to unforeseen circumstances, they may be eligible to cancel the policy.
    • For example, if a week has passed and they want cancel the policy- that is not possible. There's no cancellation of policy after start date
    • However, due to coronavirus- If it is day 1 of the policy only, we can still consider it for cancellation during this coronavirus period if the visitor has not yet begin their trip (on a case by case basis).
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INF Elite Network Plan - Frequently asked questions

Elite Network Insurance Covid19 travel insurance by INF for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.

INF Covid19 travel insurance by Elite Network 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.

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Elite Network travel insurance plan benefits

Benefits Coverage
Repatriation of Remains Up to $20,000
Medical Evacuation Up to $25,000
Accidental Death and Dismemberment $25,000
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 $25,000 Maximum
Hospital Intensive Care Unit Covered

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.

INF insurance does not 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.

INF Provider network and how to find hospital or doctor?

INF maintains a wide network of health care providers.
First Health Care Provider Network
Find a network doctor, hospital, lab or health care provider in your area. Health care providers who are in our network have agreed to charge lower prices, which helps lower your health care costs.
Find Provider Network

Frequently asked questions about INF international travel insurance coverage for Coronavirus

There is no change in the coverage.

If they are currently enrolled, the policy will not be voided. If they are enrolling after the arrival date (most common situation now) they may go through special underwriting.

INF plans cover COVID-19 like a new sickness, subject to the terms and conditions of the policy. This is not a guarantee of benefits, however, as each claim is evaluated individually.

Currently, we will continue to support our customers and allow new enrollments in INF Standard and INF Traveler USA and others case by case.

Yes, they can enroll in the INF policies.

As of now, the pre-existing coverage will remain intact. For new enrollments, they may undergo special underwriting.

Yes, the plan will cover eligible sickness and accidents.

If they are a Non-US Citizen or Non-US Resident, yes they will be able to

INF plans cover COVID-19 like a new sickness, subject to the terms and conditions of the policy. This is not a guarantee of benefits, however, as each claim is evaluated individually. Additionally, we do not cover anyone who is already sick or showing symptoms, or plans to see a physician in the immediate future. As you know, the situation is developing day by day and is constantly changing. If the Travellers are interested in enrolling, we advise them to enroll right away.

INF travel insurance that covers coronavirus will treat it as a new sickness, even if you are infected on the airplane.

We cannot prove that you were infected with COVID-19 by simply being in contact with someone who had / has it. This has no effect on the coronavirus travel insurance. We will cover COVID-19 like any other new sickness.

Being tested is a service, if we determine a related service was done 12 months prior to the effective date, the condition would be considered Pre-Existing

We would still cover coronavirus like a new sickness. There is no incubation period exclusion clause in our policy. COVID-19 is covered just as if you catch the flu. Both testing & treatment are covered.

Yes, INF will cover COVID-19 like any other sickness. We do not have a pandemic or travel advisory exclusion clause in our policy.

No, INF will not pay out any benefits if you are already showing symptoms of COVID-19 before you enroll in the policy.

Antibody test prescriptions can be obtained via INF's telemedicine program for $0 (free). COVID-19 tests and prescriptions are covered. In both cases, you must be showing symptoms and tests should be prescribed by a physician (medically necessary) to be covered.

INF Travel insurance for Covid19

At American Visitor Insurance, we are committed to getting you the best travel insurance coverage for Covid19. INF offers travel insurance plans for coverage in the USA, Canada and Mexico. INF Insurance: offers two fixed benefit plans namely INF premier insurance and INF standard insurance and two comprehensive benefit plans namely INF Elite Network Insurance and INF traveler USA with Covid19 coverage. Please know we are here to help you make the best, informed decision to get coverage even for COVID-19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

INF Elite Network insurance for pre-existing conditions

What is covered by INF Elite Network Plan 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 Elite Network 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.
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