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INF Elite Network Insurance

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Frequently asked questions about INF international travel insurance coverage for Coronavirus

Now that the CDC announced that the world is at a level 3 travel advisory, is there any coverage for your policies for COVID-19?

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 Elite Network Covers Coronavirus

  • COVID 19 is a covered benefit under this plan. As long as the person does not have COVID 19, before purchasing the plan, this is a covered benefit.
  • Treats Coronavirus as a new sickness & covered by the plan
  • Covers Pre-Existing Conditions
  • Comprehensive FULL Pre-Existing insurance for visitors
  • Works with the First Health Provider Network or Multiplan PPO - $0 Copay for Urgent Care when using MeMD
  • Dental & Vision Discount Coverage Included
  • Covers from Age 0 through Age 99

Travel medical insurance for travelers stranded in the USA, Canada or Mexico because of Coronavirus

It is heartbreaking to hear of so many people stranded due to COVID-19. So many borders are closing and travel plans have had to be altered. At American Visitor Insurance, we are committed to getting you the best insurance coverage we can in these uncertain times. Of particular note, the company INF insurance which offers travel insurance plans with coverage in the USA, Canada and Mexica. 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 insurance with Covid19 coverage. These plans usually have a restriction on coverage of pre-existing medical conditions for their plan: INF Elite Network Insurance unless it is purchased BEFORE the traveler leaves their home country. INF traveler USA also offers coverage for Coronavirus. In light of the coronavirus epidemic, INF is lifting this restriction on pre-existing condition coverage even if purchased after coming to the US.

While many other insurers are NOT covering COVID-19 and even voiding policies due to the pandemic, INF insurance is a REAL option for travelers stuck in the US and needing insurance coverage. The INF travel insurance policy is good if you are replacing an existing travel policy that has expired or maybe you didn't have an insurance policy to begin with. International students in the US, Snowbirds from Canada or the UK, tourists from European nations, even US green card holders can purchase these plans. Note that the INF traveler USA ONLY offers coverage in the US, while the INF Elite can be used in the US, Canada, and Mexico (even by US citizens who ordinarily reside outside the US). The INF traveler USA is quite affordable and many travelers and students are even buying this plan to complement their existing insurance option if it has limitations in coverage for COVID-19.
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
Insurance provider
INF
Policy maximum?
$150,000, $75,000

Deductible options?
$500
Elite Network rating
AM Best Rating: A++
Elite Network underwriter
Underwritten by ACE American Insurance Company (AAIC), a member of the Chubb Group of Companies.

Elite Network Links

  • Brochure
  • Comprehensive
  • Claims
  • Renewal
  • Cancellation
  • Reviews

Elite Network Insurance - 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.
  • There is a minimum purchase of 90 days required to buy this plan.
  • This plan covers Covid-19
  • This plan is available for both US and 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.
    Pre-existing conditions are covered upto maximum coverage of $25,000 for age 0-69 years and $20,000 for age 70-99 years, subject to deductible $1,500.
  • 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. For more information, please visit their page click here to read more.

Elite Network insurance summary

What is the eligibility to buy Elite Network Insurance?
Elite Network insurance eligibility
  • This plan is available for Non-US Citizens and US Citizen Expatriates visiting the United States.
  • 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.

Elite Network coinsurance?
  • In-Network : 80% of covered charges of covered charges up to The Total Maximum for all Accident or Sickness Expense Benefits.
  • Out-of-Network:60% of covered charges of covered charges up to The Total Maximum for all Accident or Sickness Expense Benefits.
AVI customer service

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cancellationElite Network Cancellation
  1. 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
  2. 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 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 Elite Network Plan – Common question

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.

Elite Network travel insurance plan benefits

Benefits Coverage
In-patient : Hospital Room (average semi-private) & Board, and Miscellaneous 80% of Covered Network Charges up to the Overall Maximum Benefit
Hospital Intensive Care Unit 80% of Covered Network Charges up to the Overall Maximum Benefit
Surgeon 80% of Covered Network Charges up to the Overall Maximum Benefit
Anesthetist 80% of Covered Network Charges up to the Overall Maximum Benefit
Assistance Surgeon 80% of Covered Network Charges up to the Overall Maximum Benefit
Doctor’s Non-Surgical Visits 80% of Covered Network Charges up to the Overall Maximum Benefit
Consultant Doctor, when requested by attending Doctor 80% of Covered Network Charges up to the Overall Maximum Benefit
Pre-Admission Tests within 14 days before hospital admission 80% of Covered Network Charges up to the Overall Maximum Benefit
Out-Patient: Surgical Room & Supply Expenses 80% of Covered Network Charges up to the Overall Maximum Benefit
Surgeon 80% of Covered Network Charges up to the Overall Maximum Benefit
Anesthetist 80% of Covered Network Charges up to the Overall Maximum Benefit
Assistance Surgeon 80% of Covered Network Charges up to the Overall Maximum Benefit
Doctor’s Non-Surgical Visits 80% of Covered Network Charges up to the Overall Maximum Benefit
Diagnostic X-rays & Lab Services 80% of Covered Network Charges up to the Overall Maximum Benefit
CAT Scan, PET Scan, or MRI 80% of Covered Network Charges up to the Overall Maximum Benefit
Hospital Emergency Room 80% of Covered Network Charges up to the Overall Maximum Benefit
Prescription Drugs 80% of Covered Network Charges up to the Overall Maximum Benefit
Other Medical Services: Ambulance Services 80% of Covered Network Charges up to the Overall Maximum Benefit
Rehabilitative Braces or Appliances 80% of Covered Network Charges up to the Overall Maximum Benefit
Dental Treatment injury to Sound, Natural teeth (Due to Accident) 80% of Covered Network Charges up to the Overall Maximum Benefit
Chemotherapy and/or Radiation Therapy 80% of Covered Network Charges up to the Overall Maximum Benefit
Physical & Occupational Therapy 80% of Covered Network Charges up to the Overall Maximum Benefit
Private Duty Nurse 80% of Covered Network Charges up to the Overall Maximum Benefit
Emergency Medical Treatment of Pregnancy 80% of Covered Network Charges up to the Overall Maximum Benefit
Medical Evacuation $25,000 maximum
Repatriation of Remains $20,000 maximum
Intercollegiate Sports None
Accidental Death & Dismemberment $25,000 maximum

INF Provider network and how to find hospital or doctor?

INF maintains a wide network of health care providers.
First Health Care Provider Network
Quite often the travelers with international travel insurance claims have this question "My provider does not recognize First Health? How do I find someone who accepts this insurance?" When this happens- the travelers will feel frustrated and think their insurance is not worth the cost. The main reason why providers do not recognize or accept First Health PPO is because it is not a well known network within the medical billing system. However it is important to realize the First Health PPO is actually part of the "Aetna PPO Network" and INF plan works with "Aetna PPO" or First Health PPO Network.

On hospitalization or while making a claim with INF visitors insurance the traveler are requested to say "I have a health insurance plan which uses First Health / Aetna PPO Network. I found your contact in the Provider Directory. Do you accept plans which work with First Health / Aetna Network PPO? "

Do not say: "I have INF Visitor Accident & Sickness Insurance" or "I have Ace / AXIS Insurance." Providers WILL NOT recognize this language and may not accept the insurance.
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INF Elite Network insurance for pre-existing conditions

What is covered by Elite Network 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.

Elite Network Logo Plan Details Brochure Buy Now

premier-plan Logo Plan Details Brochure Buy Now

INF Elite Network 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 Elite Network 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.

INF Resourceful travel insurance links

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