INF Premier X Insurance Reviews
Affordable INF Premier X insurance for parents, grandparents, and other visitors traveling to the USA, Canada, or Mexico. This fixed-benefit travel medical insurance plan offers coverage for unexpected illnesses, accidents, emergency medical expenses, and acute-onset pre-existing conditions, with plan options designed for older travelers. Plans start at just $211.
Trusted by thousands of parents and senior travelers every year
INF Premier X Insurance is underwritten by Crum & Forster SPC, an A-rated insurer recognized for financial strength and a strong record of paying claims.
What Is INF Premier X Travel Insurance?
INF Premier X insurance is an affordable, fixed-benefit travel medical plan built for parents, grandparents, and other visitors coming to the USA, Mexico, or Canada from anywhere in the world. Its biggest strength: it covers pre-existing conditions such as diabetes, high blood pressure, or heart disease — something most visitor insurance plans simply don't offer. If you're inviting a parent or relative who manages an ongoing health condition, INF Premier X is one of the few plans built specifically with them in mind.
The plan is ideal for non-U.S. citizens traveling internationally, including Green Card holders, and is rated A (Excellent) by A.M. Best, underwritten by Crum & Forster SPC and administered with 24/7 claims and travel assistance support.
thumb_up What's great about this plan?This is one of the few plans that will cover any medical issue even if it is due to a pre-existing medical condition. When you purchase it, you choose a maximum and deductible for the general policy AND a separate maximum and deductible to be applied to any pre-existing condition. Also, if the pre-existing condition is very stable (no change in medication for past two years and no flare ups), then the insured will be covered under the general terms of the policy (with the high maximum and deductible chosen).
thumb_down Downsides to considerIt costs more than some other fixed plans, and travelers aged 70+ have fewer deductible and maximum choices - we'll help you find the best available option for your parent's age.
After buying the plan, travelers can get all the plan documents and id card through INF Premier X login. At American Visitor Insurance, US Travelers can contact the INF Premier X customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help get Best visitor insurance with full pre-existing condition benefits!
INF Visitor Insurance Reviews
"I had a great experience with INF. They covered a Covid test for my mom who was feeling sick right after she came on her flight. Luckily she tested negative. I was happy with the overall service and cashless service. Always happy to recommend INF to friends and family!"
"I’ve been using INF every time my parents have come and visited for the last 18 years, or pretty much since Y2K. They are a community-based company and I can really tell they care for their customers. I’ve met many of their team members throughout the years, all of them are courteous and helpful in getting the claims paid and going the extra mile if there’s some sort of paperwork issue."
"I purchased this travel health insurance for my parents during their stay in the United states. The purchasing procedure was really quick and simple. I contacted support to get a breakdown of all the plans so I could choose the one that best suits my parents, and their support staff responded quickly."
Eligibility Requirements
Citizenship
Non-US citizens and Green Card holders visiting the USA, Canada, Mexico, or traveling outside their home country. Not available to residents of the USA, Syria, Iran, Russia, North Korea, Cuba, the UK, Gibraltar, or the EU.
Age Requirements
Travelers ages 0 to 99 years. Note: for ages 70-99, only the $100,000 policy maximum is available.
Coverage Duration
Minimum 90 days, maximum 364 days; renewable online up to 364 days total.
Cancellation Policy
Full refund (minus a $25 cancellation fee) if a written request is received before the policy's effective date. After the effective date, the premium is fully earned and non-refundable, even if no claims were filed.
Green Card Holders
This plan is available to Green Card holders visiting the United States who need affordable visitor medical insurance with full pre-existing condition coverage.
Who May Not Need This Plan?
Why You Can Trust INF Premier X Insurance?
- Underwriter: Crum & Forster SPC - rated A (Excellent) by A.M. Best.
- Plan Administrator: INF, with claims handled by Robin Assist.
- PPO Network: UnitedHealthcare PPO - cashless, direct-billed care at in-network hospitals and doctors in the U.S.
- 24/7 Assistance: Round-the-clock claims support and travel medical assistance, day or night.
- Sold through: American Visitor Insurance (Crossborder Services, LLC), a licensed insurance agency.
An Overview of INF Premier X Insurance
Open to all non-U.S. citizens ages 0 to 99.
Full coverage for stable conditions, no waiting period, up to age 99.
100% coverage up to $1,000.
Covered with a $25 copay per visit.
Plan pays 100% of Usual & Customary Charges up to scheduled limits.
Emergency evacuation covered, up to $85,000 depending on plan maximum.
Pros & Cons of INF Premier X Insurance
Advantages
6 benefitsFixed-benefit protection: predictable, lower-cost payouts for each covered service.
Full pre-existing condition coverage for travelers up to age 99.
Available to Green Card holders as well as non-U.S. citizens.
Policy maximums up to $1,000,000.
Cashless access via the UnitedHealthcare PPO network.
Multi-country coverage: USA, Canada, Mexico, and beyond.
Disadvantages
5 limitsFixed-benefit design: expenses beyond the schedule are paid out-of-pocket.
Not available to U.S. citizens or residents.
Priced higher than some other fixed-benefit plans.
Fewer deductible/maximum choices for travelers aged 70+.
No PPO network access outside the United States.
How Much Does INF Premier X Insurance Cost?
INF Premier X travel insurance cost ranges between $209 to $1,560 for 3 months period, based on the traveler's age, selected policy maximum, and deductible amount. Older travelers pay higher premiums due to increased medical risk; choosing a higher maximum increases the premium, while a higher deductible lowers it.
The table shows 3 months sample rates based on a $250 deductible. Choosing a higher deductible results in lower premiums, while a lower deductible increases the premium.
Ages 70-99: $100,000
Deductible: $250
| Age of traveler | $100,000 | $150,000 | $300,000 | $500,000 | $1,000,000 |
|---|---|---|---|---|---|
| 18 – 29 years | $209 | $256 | $308 | $327 | $332 |
| 30 – 39 years | $248 | $302 | $362 | $383 | $389 |
| 40 – 49 years | $275 | $333 | $402 | $426 | $432 |
| 50 – 59 years | $363 | $442 | $534 | $565 | $574 |
| 60 – 69 years | $389 | $475 | $573 | $607 | $616 |
| 70 – 79 years | $1,208 | Not available | |||
| 80 – 89 years | $1,576 | Not available | |||
| 90 – 99 years | $1,560 | Not available | |||
Source: American Visitor Insurance® | Prices verified for 2026 travel season.
| Age Group | Policy Maximum | Pre-ex Coverage (with $1,000 Deductible) | Pre-ex Coverage (with $5,000 Deductible) |
|---|---|---|---|
| 0–69 years | $100,000 | $20,000 | $40,000 |
| $150,000 | $30,000 | $60,000 | |
| $300,000 | $50,000 | $100,000 | |
| $500,000 | $150,000 | $200,000 | |
| $1,000,000 | $150,000 | $200,000 | |
| 70–99 years | $100,000 | $15,000 | $25,000 |
- Aged from 70-99 deductible starts from $250 - $5,000
- This plan does not cover acute onset of pre-existing conditions.
- Choose lower or higher pre-existing limits depending on the plan and deductible.
- No PPO network available outside the United States
Working Example of INF Premier X Insurance
Suppose a visitor to the USA is hospitalized for 3 days and needs surgery, prescription drugs, and an X-ray. They chose the $100,000 plan with a $500 deductible. Here's what happens:
| Expense | Billed | Insurance Pays | You Pay |
|---|---|---|---|
| Deductible Paid once per certificate period | $500 | $0 | $500 |
| Hospital Stay (3 days) Paid up to $1,750/day, per the fixed benefit schedule | $6,000 | $5,250 | $750 |
| Surgery Paid per the fixed benefit schedule | $600 | $150 | $450 |
| Prescription Drugs | $6,000 | $5,000 | $1,000 |
| X-Ray | $1,400 | $650 | $750 |
| Total | $14,500 | $11,050 | $3,450 |
Disclaimer: We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However, this information does change periodically and we cannot guarantee 100% accuracy.
Deductible paid once
The $500 deductible applies once per certificate period - not per visit or per service.
Fixed-benefit schedule
INF Premier X pays a fixed amount for each covered service, up to the policy maximum. You pay any amount above the scheduled benefit.
PPO lowers billed rates
UnitedHealthcare PPO network providers offer negotiated rates and cashless billing, helping lower your out-of-pocket costs.
Who Is INF Premier X Actually Built For?
If a parent manages diabetes, hypertension, or heart disease, INF Premier X is one of the few plans that won't automatically exclude those conditions.
Popular with families from India, China, the Philippines, Mexico, and Nigeria who are re-inviting relatives with an existing health condition.
Non-U.S. citizen Green Card holders returning to or visiting the U.S. are also eligible to enroll.
Compare INF Premier X vs. INF Elite X vs. INF Standard X
See how INF Premier X compares with other popular INF visitor insurance plans for the USA, including INF Elite X and INF Standard X.
| Feature | INF Premier X | INF Elite X | INF Standard X |
|---|---|---|---|
| Underwriter | Crum & Forster SPC | Crum & Forster SPC | Crum & Forster SPC |
| A.M. Best Rating | A | A | A |
| Plan Type | Fixed-benefit (scheduled payouts) | Comprehensive (percentage co-insurance) | Fixed-benefit (scheduled payouts) |
| Policy Maximum | $100,000 – $1,000,000 | $150,000 – $1,000,000 (ages 0-69); $75,000 (ages 70-99) | Up to $150,000 (ages 0-69) |
| Co-insurance (in-network) | Fixed benefit schedule; pays up to 100% of usual & customary charges per benefit | 80% in-network, 60% out-of-network | Fixed benefit schedule; pays up to 100% of usual & customary charges per benefit |
| Pre-Existing Conditions | Full coverage from day one, no waiting period, up to age 99 | Full coverage, separate sub-limit up to $50,000 (0-69) / $20,000 (70-99) | Not covered |
| PPO Network | UnitedHealthcare | UnitedHealthcare | UnitedHealthcare |
| COVID-19 Coverage | Covered as a new illness | Covered as a new illness | Covered as a new illness |
| Renewability | Up to 364 days | Up to 364 days | Up to 364 days |
| Starting Price | From ~$211/3 months | From ~$445/3 months | From ~$50/month |
| Explore Plan | View Plan » | View Plan » | View Plan » |
| Get Started | shopping_cart Buy Now | shopping_cart Buy Now | shopping_cart Buy Now |
- Coverage: INF Premier X offers medical coverage up to $1,000,000, matching INF Elite X at the top end and well above INF Standard X's $150,000 ceiling.
- Plan Structure: Premier X and Standard X are fixed-benefit plans that pay a scheduled dollar amount per covered service, while Elite X is a comprehensive plan paying 80% of eligible in-network charges after the deductible.
- Pre-Existing Conditions: Premier X provides full pre-existing condition coverage from day one up to age 99 with no waiting period - broader by age than Elite X's sub-limited coverage, and a benefit Standard X doesn't offer at all.
- PPO Network: All three plans run on the UnitedHealthcare PPO network, giving nationwide access to doctors and hospitals with cashless, direct-billed care.
- COVID-19 Coverage: Available on all three INF plans, treated the same as any other new illness.
- Renewability: Renewable up to 364 days on all three plans.
- Starting Price: From ~$211/3 months - lower than Elite X (~$445/3 months) but higher than Standard X (~$39/month), reflecting Premier X's unique full pre-existing condition benefit at a fixed-benefit price point.
- Overall: INF Premier X is the strongest value pick for parents and seniors managing a stable chronic condition - it pairs affordable fixed-benefit pricing with full pre-existing condition protection up to age 99, something neither Standard X (no pre-existing coverage) nor Elite X (age- and dollar-capped sub-limit) can fully match.
What Is the PPO Network of INF Premier X Insurance - How It Works?
A Preferred Provider Organization (PPO) is a network of hospitals, doctors, and clinics that have agreed to pre-set rates with INF. Inside the United States, INF Premier X uses the UnitedHealthcare PPO network — a large, well-established network that reduces out-of-pocket costs and, at many facilities, removes the need to pay upfront at all.
To find a network doctor, hospital, lab, or healthcare provider in your area, start by searching for those who are part of our network. These healthcare providers have agreed to charge lower prices, which can help reduce your overall healthcare costs. By selecting a provider within our network, you ensure that you’re taking advantage of the cost savings associated with your health plan. Be sure to confirm that the provider is covered under your specific plan to maximize your benefits and minimize out-of-pocket expenses.
How Do I File a Claim With INF Premier X Insurance?
To file a claim with Premier X, follow these steps:
INF Premier X Visitor Insurance - FAQs
Why Buy INF Premier X Through American Visitor Insurance?
- check_circleAmerican Visitor Insurance offers a simple and reliable way to choose the right medical insurance for tourists with confidence and purchase your plan online in minutes.
- check_circleEasy Plan Comparison and Purchase: Compare and buy INF Premier X Insurance plans, review coverage and deductible options, understand pre-existing condition limits, and securely purchase the right plan online in just minutes through American Visitor Insurance.
- check_circleSpecialists in Pre-Existing Condition Coverage: INF Premier X is one of the few visitor insurance plans that covers ongoing pre-existing conditions - not just acute onset emergencies. Our team understands INF Premier X inside out - benefit schedules, deductible options, and PPO network access so you choose the right plan with confidence.
- check_circleHelpful Resources for Better Decisions: We offer detailed FAQs, blog, and guides based on real customer questions. These resources are designed to help you clearly understand your options and choose the best plan for your specific travel needs.
- check_circleExperienced Customer Support: Our licensed support team has over 20 years of experience in the US visitors insurance industry. We assist customers in understanding INF Premier X's fixed-benefit structure, choosing the right deductible and policy maximum, and navigating the claims process with Robin Assist when needed.
- check_circleLicensed & Trusted Platform: American Visitor Insurance is a licensed US-based insurance platform (NJ License #1181604).
