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INF Standard Plan 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?
$50,000,$100,000,$150,000

Deductible options?
$75, $250, $500
Standard Plan rating
AM Best Rating: A++
Standard Plan underwriter
Underwritten by ACE American Insurance Company (AAIC), a member of the Chubb Group of Companies.

Standard Plan Links

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

Standard Plan Insurance - Key Highlights

  • This is a fixed plan and is available for both US and Non US citizens visiting the US.
  • This plan has a minimum purchase requirement of 30 days.
  • Plan covers COVID -19
  • Pregnancy and childbirth coverage is available if the conception occurs after the policy effective date.

Standard Plan For Visitor Accident & Sickness Insurance

The INF Standard Plan is our flagship fixed-benefit insurance plan for new sicknesses & accidents. The INF Standard Plan will cover all age groups. This includes individuals who are above 80 years old traveling through the United States or Canada.INF Standard Plan will cover any new sickness or accident.This plan is the only insurance for Visitors which covers Urinary Tract Infection. The INF Standard Plan was developed out of a need from the community to cover these types of high-risk illnesses.

INF Standard Plan insurance summary

What is the eligibility to buy Standard Plan Insurance?
Standard Plan insurance eligibility

This plan is available for Non-US Citizens & US Citizen Expatriates visiting the United States.


cancellationStandard Plan 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.

Plan benefits of Standard Plan Insurance

Coverage Details Plan 50k Plan 100k Plan 150k
In-patient
Hospital Room (Average Semi-Private), Board, & Miscellaneous​​
Charges up to $1,300 a day maximum Up to 30 days Charges up to $1,750 a day maximum ​Up to 30 days Charges up to $1,900 a day maximum ​Up to 30 days
Hospital Intensive Care Unit Charges up to $525 maximum additional a day | Up to 8 Days Charges up to $750 maximum additional a day | Up to 8 Days Charges up to $850 maximum additional a day | Up to 8 Days
Surgeon Up to $3,000 maximum Up to $5,000 maximum Up to $6,000 maximum
Anesthetist Up to $750 maximum Up to $1,250 maximum Up to $1,250 maximum
Assistant Surgeon Up to $750 maximum Up to $1,250 maximum Up to $1,500 maximum
Doctor's Non-Surgical Visits Up to $60 maximum a visit, 1 visit a day, to 30 visits Up to $100 maximum a visit, 1 visit a day, to 30 visits Up to $125 maximum a visit, 1 visit a day, to 30 visits
Consultant Doctor, when requested by attending Doctor Up to $400maximum Up to $450 maximum Up to $500 maximum
Pre-Admission Tests within 14 days before hospital admission Up to $1,000 maximum Up to $1,100 maximum Up to $1,200 maximum
out-patient
Surgical Room & Supply Expenses
Up to $1,000 maximum Up to $1,100 maximum Up to $1,200 maximum
Surgeon Up to $3,000 maximum. Up to $5,000 maximum Up to $6,000 maximum
Anesthetist Up to $750 maximum ​Up to $1,250 ​maximum ​​Up to $1,500 maximum
Assistant Surgeon Up to $750 maximum ​Up to $1,250 maximum ​Up to $1,500 maximum
Doctor's Non-Surgical Visits Up to $60 a visit maximum | 1 visit a day Up to 10 visits Up to $100 a visit maximum | 1 visit a day Up to 10 visits Up to $125 a visit maximum | 1 visit a day Up to 10 visits
Diagnostic X-rays & Lab Services Up to $400 maximum Up to $650 maximum ​Up to $750 maximum
CAT Scan, PET Scan, or MRI Scan ​Up to $400 additional Up to $650 additional ​Up to $1,000 additional
Other benefits
Ambulance Services
​Up to $400 maximum Up to $450 maximum ​Up to $500 maximum
Rehabilitative Braces or Appliances Up to $1,200 maximum Up to $1,100 maximum Up to $1,200 maximum
Dental Treatment Injury to Sound, Natural Teeth due to an Accident Up to $450. There are no benefits for dental services for immediate relief of pain. Up to $500. There are no benefits for dental services for immediate relief of pain. Up to $550. There are no benefits for dental services for immediate relief of pain.
Chemotherapy and/or Radiation Therapy Up to $1,000 maximum Up to $1,150 maximum Up to $1,250 maximum
Physical & Occupational Therapy Up to $35 a visit max, 1 Visit a day to 12 visits Up to $45 a visit max, 1 Visit a day to 12 visits Up to $50 a visit max, 1 Visit a day to 12 visits
Private Duty Nurse Up to $400 maximum Up to $500 maximum Up to $550 maximum
Pregnancy & Childbirth (Conception must Occur After Policy Effective Date) Up to $4,500 maximum Up to $5,000 maximum Up to $5,500 maximum
Medical Evacuation $15,000 maximum $20,000 maximum $25,000 maximum
Repatriation of Remains $10,000 maximum​ $15,000 maximum​ $20,000 maximum​
Accidental Death & Dismemberment $25,000 Principal Sum $25,000 Principal Sum $25,000 Principal Sum

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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