This plan is temporarily unavailable, please select other plans -
Elite, Premier, Standard and Traveler USA plans.

IMG

INF Advantage Plan Insurance Reviews

Quotes for INF Advantage Plan insurance

Frequently asked questions about INF travel insurance coverage for Covid19

INF travel insurance coverage for Covid19

01. 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.

02. 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.

03. Will policies already purchased before March 27th where travelers where NOT in level 3 areas already have "normal" coverage for all illnesses except COVID-19 or will COVID-19 be covered for them?

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.

04. 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.

05. 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.

06. 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.

07. 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.

08. 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

09. Will they cover COVID-19 if they stay in one country or if they travel or not at all?

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.

10. What happens if I catch COVID-19 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.

11. 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 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.

12. 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

13. What if I catch COVID-19 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. COVID-19 is covered just as if you catch the flu. Both testing & treatment are covered.

14. 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 COVID-19 like any other sickness. We do not have a pandemic or travel advisory exclusion clause in our policy.

15. If I am already sick with COVID-19, 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 COVID-19 before you enroll in the policy.

16. Are antibody tests & COVID-19 tests covered by INF?

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 Advantage Plan Covers Coronavirus

  • Treats Coronavirus as a new sickness & covered by the plan
  • Short-term travel medical coverage (30 days to 300 Days)
  • Comprehensive Visitors Insurance Plan
  • Works with the First Health PPO Network
  • $0 Copay for Urgent Care when using Teladoc
  • Dental & Vision Discount Coverage Included

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. These plans usually have a restriction on coverage of pre-existing medical conditions for their two plans: INF Elite Network Insurance and INF Advantage Insurance unless it is purchased BEFORE the traveler leaves their home country. 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 visitors insurance and INF Advantage US visitors insurance plan ONLY offers coverage in the US, while the INF Elite Network Insurance can be used in the US, Canada, and Mexico (even by US citizens who ordinarily reside outside the US). The INF Traveler USA and INF Advantage plan 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.

Advantage Plan Visitor insurance

  • Most suitable for Non-US Citizens & US Citizen Expatriates visiting the United States.
  • Different plan maximum options available are $75,000 and $150,000.
  • Ratings: A+ rated by Standard & Poors.
  • Underwritten by AXIS Insurance Company, Chicago, IL, USA.

A working example of using Advantage Plan travel insurance (Offered by INF)

Consider an Advantage Plan Plan A example where your:
  • Insurance coverage is $75,000
  • Deductible is $500 per injury or sickness
  • Your claims for medical expenses is $14,500
Below is a simple calculation showing how much the plan/insurance company pays you:
  1. Subtract the deductible from claims amount - $14,500 minus $500 equals $14,000. Insured bears $500.
  2. The insurance provider pays fixed amounts based on the schedule of benefits (as shown in the table) and you have to pay the remaining balance.
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $500 $0 $500
Hospital Room & Board including Laboratory Tests,
X-rays, Prescription Medical and other miscellaneous
$2,000/day for 3 days Up to $1,600/day, 3 day maximum $1,200
Surgical Treatment $6,000 $4,800 $1,200
Prescription Drugs $600 $480 $120
Diagnostic X-rays & Lab Services $1,400 $1,120 $280
Total: $14,500 $11,200 $3,300

What are some insurance terms important in Advantage Plan Insurance reviews?

Review Advantage Plan Insurance to know these important aspects of international visitor insurance for USA:
  • Plan Maximum coverage of Advantage Plan travel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Advantage Plan insurance offers maximum coverage of $75,000 and $150,000.
  • What is a deductible in Advantage Plan visitors insurance?
    This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible. Advantage Plan insurance offer a set of deductible options for the travelers to choose from. Advantage Plan insurance has a range of deductible option are $250, $500 and $1,000.
  • What is a provider network of Advantage Plan Medical Insurance?
    It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
  • Renewability of Advantage Plan Travel health insurance
    Sometime the travel plans may change and a US visitor may be required to extend their period of stay.Advantage Plan Insurance can be renewed up to 364 days.
  • Eligibility to buy Advantage Plan Insurance Online
    It provides coverage for Non-US Citizens and US Citizen Expatriates visiting the United States.
  • This plan Underwritten by AXIS Insurance Company, Chicago, IL, USA.