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INF Premier Travel Insurance Plan

INF Premier Plan Insurance Cost

Age & Citizenship
Destination
Start date
End date
Liaison Student Plus
Insurance provider
INF
Plan life - 364 days (Minimum Enrolment 90 days)
Policy maximum?
Ages 0 to 69 years: $100,000; $150,000; $300,000
Ages 70 to 99 years: $100,000
Deductible options?
Ages 0 to 69 years: $75; $100; $250; $500; $1,000; $2,500; $5,000
Ages 70 to 99 years: $250; $500; $1,000; $2,500; $5,000
INF Premier Plan underwriter
Underwritten by Crum & Forster SPC
INF Premier Plan rating
AM Best Rating: A

INF Premier Plan Links

  • Brochures
  • Fixed Benefit Plan
  • Claims
  • Renewal
  • Cancellation
  • Reviews

INF Premier Plan For Visitor Accident & Sickness Insurance

Pre-Existing Conditions is always a risky situation if you are not prepared for a medical emergency. The Premier plan offers two unique features:
  • The only Full Pre-Existing Insurance:-The Premier plan is the only short-term plan for Visitors which covers all pre-existing conditions.This means doctors appointments, blood tests & labs, specialist care, urgent care visits, & hospital stays are all covered for preexisting conditions.
  • The only Pre-Existing Insurance for Ages 70+ :-- The Premier provides the only pre-existing short-term medical insurance for ages up to 99 years old.
  • Premier plan provides policy maximum $100,000 covers pre-existing condition maximum of $20,000/$40,000 with deductible $1,000/$5000, policy maximum $150,000 covers pre-existing condition maximum of $30,000/$60,000 with deductible $1,000/$5,000 and policy maximum $300,000 covers pre-existing condition maximum of $50,000/$100,000 with deductible $1,000/$5,000 for age 0 to 69 years.
  • For age 70 to 99 years for policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.

INF Premier Plan insurance - Key Highlights

  • 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
  • COVID-19 Medically Necessary Testing & Treatment covered as any other new sickness
  • Acute Onset treated like New Sickness
  • Urgent Care & Doctor Visit arranged by MeMD
  • Covers accident & sickness while traveling to USA, Canada, and Mexico
  • Includes Dental & Vision Discount Coverage
  • United Healthcare PPO providers Direct Billing
  • 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.

INF Premier Plan Insurance Summary

cancellationPremium Plan Cancelation

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).
EligibiltyPremier Plan insurance eligibility
  • This plan is available for Non-US Citizens & Anyone visiting USA or Canada can enroll in this plan.
  • Minimum Enrolment should be 90 days to buy INF Premier Plan.

INF Premier Network insurance for pre-existing conditions

What is covered by INF Premier 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 Premier Plan 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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INF Premier 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.

Please explain the difference between full coverage for pre-existing conditions and coverage for acute onset of pre-existing conditions by 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 Plan travel insurance plan benefits

In-Patient Medical Benefits
Hospital Room (average semi-private) & Board, and Miscellaneous 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 o $3,000 a day, to 30 days
Hospital 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
Surgeon Plan 100k: Charges up to $5,000 maximum
Plan 150k: Charges up to $6,000 maximum
Plan 300k: Charges up to $8,000 maximum
Anesthetist Plan 100k: Charges up to $1,250 maximum
Plan 150k: Charges up to $1,500 maximum
Plan 300k: Charges up to $2,500 maximum
Assistance Surgeon Plan 100k: Charges up to $1,250 maximum
Plan 150k: Charges up to $1,500 maximum
Plan 300k: Charges up to $2,500 maximum
Doctor’s Non-Surgical Visits Plan 100k: Charges up to $100 maximum a visit, 1 visit a day, to 30 visits
Plan 150k: Charges up to $125 maximum a visit, 1 visit a day, to 30 visits
Plan 300k: Charges up to $175 maximum a visit, 1 visit a day, to 30 visits
Consultant Doctor, when requested by attending Doctor Plan 100k: Charges up to $450 maximum
Plan 150k: Charges up to $500 maximum
Plan 300k: $Charges up to $800 maximum
Pre-Admission Tests within 14 days before hospital admission Plan 100k: Charges up to $1,100 maximum
Plan 150k: Charges up to $1,200 maximum
Plan 300k: Charges up to $1,600 maximum
Surgical Room & Supply Expenses Plan 100k: Charges up to $1,100 maximum
Plan 150k: Charges up to $1,200 maximum
Plan 300k: Charges up to $1,800 maximum
Surgeon Plan 100k: Charges up to $5,000 maximum
Plan 150k: Charges up to $6,000 maximum
Plan 300k: Charges up to $8,000 maximum
Anesthetist Plan 100k: Charges up to $1,250
Plan 150k: Charges up to $1,5000
Plan 300k: $2,500 per Incident
Assistance Surgeon Plan 100k: Charges up to $1,250
Plan 150k: Charges up to $1,500
Plan 300k: Charges up to $2,500
Doctor’s Non-Surgical Visits Plan 100k: Charges up to $100 a visit maximum, 1 visit a day, to 10 visits
Plan 150k: Charges up to $125 a visit maximum, 1 visit a day, to 10 visits
Plan 300k: Charges up to $175 a visit maximum, 1 visit a day, to 10 visits
Diagnostic X-rays & Lab Services Plan 100k: Charges up to $650 maximum
Plan 100k: Charges up to $750 maximum
Plan 100k: Charges up to $1150 maximum
CAT Scan, PET Scan, or MRI Plan 100k: Charges up to $650 additional
Plan 150k:Charges up to $1,000 additional
Plan 300k: Charges up to $1,400 additional
Hospital Emergency Room Plan 100k: Charges up to $500
Plan 150k: Charges up to $750
Plan 300k:Charges up to $2,500
Prescription Drugs Plan 100k: Charges up to $150 maximum
Plan 150k: Charges up to $200 maximum
Plan 300k: Charges up to $300 maximum
Ambulance Services Plan 100k: Charges up to $450 maximum
Plan 150k: Charges up to $500 maximum
Plan 300k: Charges up to $1,000 maximum
Rehabilitative Braces or Appliances Plan 100k: Charges up to $1,100 maximum
Plan 150k: Charges up to $1,200 maximum
Plan 300k: Charges up to $1,500 maximum
Dental Treatment injury to Sound, Natural teeth (Due to Accident) 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. There are no benefits for dental services for immediate relief of pain.
Plan 300k: Charges up to $550 maximum. There are no benefits for dental services for immediate relief of pain.
Physical & Occupational Therapy Plan 100k: Charges up to $45 a visit maximum, 1 visit per day to 12 visits
Plan 150k: Charges up to $50 a visit maximum, 1 visit per day to 12 visits
Plan 300k: Charges up to $100 a visit maximum, 1 visit per day to 12 visits
Private Duty Nurse Plan 100k: Charges up to $500 maximum
Plan 150k: Charges up to $550 maximum
Plan 300k: Charges up to $550 maximum
Medical Evacuation Plan 100k: $20,000 maximum
Plan 150k: $25,000 maximum
Plan 300k: $45,000 maximum
Repatriation of Remains Plan 100k: $15,000 maximum
Plan 150k: $20,000 maximum
Plan 300k: $30,000 maximum
Accidental Death & Dismemberment Plan 100k: $25,000 maximum
Plan 150k: $25,000 maximum
Plan 300k: $25,000 maximum
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Frequently asked questions about INF travel insurance coverage for Covid19

Now that the CDC announced that the world is at a level 3 travel advisory, is there any coverage for your policies for COVID19?

There is no change in the coverage.

Will these policies be voided given that travelers are basically stuck wherever they are and there is no place "better" to travel to?

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.

Will you be issuing new policies since the CDC announcement?

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

Many people are currently stuck in countries with their other policies running out and non-renewable. Can they purchase the your policies ?

Yes, they can enroll in the INF policies.

Will you continue to allow pre-existing condition coverage during the month of April for the "marooned" travelers?

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

Will these policies cover any other illness, injury or accident as long as the person does not travel?

Yes, the plan will cover eligible sickness and accidents.

Can they travel (say from US to Canada and back)?

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

Will they cover covid19 if they stay in one country or if they travel or not at all?

INF plans cover covid19 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.

What happens if I catch covid19 on the flight to the USA?

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

But what about contact tracing? Won't the insurance company deny the claim knowing I was in contact with someone infected?

We cannot prove that you were infected with covid19 by simply being in contact with someone who had / has it. This has no effect on the coronavirus travel insurance. We will cover covid19 like any other new sickness.

What happens if I am asymptomatic (i.e. testing done before the trip shows positive) and still decide to travel?

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

What if I catch covid19 in the airport on the way to the US?

We would still cover coronavirus like a new sickness. There is no incubation period exclusion clause in our policy. covid19 is covered just as if you catch the flu. Both testing & treatment are covered.

Will INF travel insurance cover Coronavirus even though it's declared a pandemic & there are travel advisories out by my government about non-essential travel?

Yes, INF will cover covid19 like any other sickness. We do not have a pandemic or travel advisory exclusion clause in our policy.

If I am already sick with covid19, will INF travel health insurance coronavirus cover my medical expenses?

No, INF will not pay out any benefits if you are already showing symptoms of covid19 before you enroll in the policy.

Are antibody tests & covid19 tests covered by INF?

Antibody test prescriptions can be obtained via INF's telemedicine program for $0 (free). covid19 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 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.

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