INF Elite Plus X Insurance for USA & Intl.
INF Elite Plus X Insurance is a top flagship travel medical plan for visitors to USA or USA/abroad, purchase visitor medical coverage from 90 days up to 1 year, includes Covid-19 and full coverage for pre-existing conditions. Extendable without lapse in duration.
COVID-19 / SARS-CoV-2 / Coronavirus INF Elite Plus X Insurance includes coverage for testing/treatment of COVID19 just as any other covered disease/condition.
INF Elite Plus X is a top-rated comprehensive flagship International Visitor Accident and Sickness plan tailored for non-U.S. residents visiting the U.S. or traveling outside their home country. The policy is exclusively designed for USA visitors or international travelers offering robust protection for their journey, and plan is not available to U.S. residents. The plan offers international vistors and travelers reliable, coverage by delivering the insured with the security and support needed to travel with confidence.
INF Elite Plus X Insurance offers comprehensive benefits and includes coverage for pre-existing conditions (any sickness illness, disease, or condition that manifested, worsened, or required medical attention or prescribed medication in the 12 months before your coverage began). The plan pays eligible expenses for outpatient, specialist, urgent care, and inpatient services and are also covered for pre-existing conditions, new sicknesses, or accidents or injury, with coverage up to the plan maximum limits after the deductible is met, with any coinsurance sharing may apply for a portion of the costs based on your choice of in-network or out-of-network provider.
The policy offers medical coverage for new sicknesses or accidents and also pre-existing conditions (up to $50,000 for ages 0-69 and $20,000 for ages 70-99) and coverage includes eligible expenses for outpatient, specialist, urgent care, and inpatient services are covered up to the policy limits and benefit maximums, after the chosen deductible is met, with coinsurance rates of 80-90% in-network and 60-70% out-of-network.
In addition to medical cover, the INF Elite Plus X Insurance plan includes vital benefits like Accidental Death and Dismemberment coverage with a principal sum of $25,000, Emergency Medical Evacuation benefits up to $25,000, and Repatriation of Remains up to $10,000, by providing a critical safety net when necessary. The plan also offers a Wellness Medical Expense Benefit of up to $200 annually for routine physicals and CDC-recommended preventive immunizations. The policy is available for travelers aged 0 to 99 years, and the coverage can be instantly secured online for a minimum of 90 days up to a maximum of 364 days, ensuring flexibility for short or extended trips outside home country.
The INF Elite Plus X Insurance plan uses the United HealthCare (UHC) Options PPO Network in the U.S., offering lower copays and coinsurance savings with in-network providers with widespread acceptance,and also direct cashless billing, for user-friendly access to care.
INF Elite Plus X is a visitor insurance policy that can be initially purchased for a minimum of 90 days up to a maximum of 364 days, the coverage may be extended or renewed without lapse in coverage. Review the plan brochure for the summary of benefits to understand both insurance and non-insurance benefits included, and the policy description of all of the terms, conditions, and exclusions.
- Quote and Buy INF Elite Plus X Insurance online, instant ID cards and proof of coverage.
- Review the INF Elite Plus X Insurance Brochure for plan summary description of benefits.
INF Elite Plus X Insurance plan is offered and administered by INF Plans, the policy is underwritten by Crum & Forster, SPC, rated A (Excellent) by A.M. Best.
INF Elite Plus X Insurance Review
Top Plan for Travel to USA & Intl. COVID-19
Notes: Excellent flagship comprehensive insurance option with Covid-19 coverage for visitors to the USA and abroad, includes pre-existing condition benefits. Robust policy claims handling and extendable coverage.
Eligibility: Any non-US resident individuals and/or family, visiting the USA and worldwide, up to the age of 99 years.
Note: Plan not available for purchase by residents of the USA, Syria, Iran, Russia, North Korea, Cuba, the United Kingdom, Gibraltar and the European Union (EU).
Coverage Duration: Minimum of 90 days to maximum of 1 year (364 days)
Benefit Amounts:
- Member maximum limits: $75K to $1 million
- Choice of deductible: $0 to $5000
- Pre-existing conditions: $50K (0-69 age), $20K (70-99)
- AD&D benefit: $25K (included)
- Emergency Medical Evacuation: up to $25K
- Repatriation of Remains: up to $10K
PPO Network: For treatment received within USA, plan uses UnitedHealthCare Options Preferred Provider Organization (PPO) network, save costs as REDUCED co-insurance applies when you stay within the INF Insurance PPO network to consult a doctor or hospital for medical care.
Renew or Extend: Plan renewable to total of 364 days, process extension prior to expiration date of policy.
Other Highlights
- Foreign nationals visiting the USA
- Sickness/injury plans for visitors to America
- Full pre-conditions coverage included
- Covid-19 treated as any other sickness
- Quote & purchase online for single trip
INF Elite Plus X Visitor Insurance
INF Elite Plus X Insurance is available for non-U.S. citizens who are visiting the United States, or foreign nationals while traveling to the USA and other countries outside home country. Coverage is suitable both for business or leisure travelers to the U.S., international tourists, individuals or family who are on a holiday to America.
INF Elite Plus X Insurance Overview
INF Elite Plus X Insurance plan review and highlights of coverage. INF Elite Plus X Visitor Insurance policy highlights are as follows:
- Eligiblity: Foreign residents visiting the USA and worldwide, up to the age of 99 years.
- Maximum coverage choices from $75K up to $1 million USD for emergency medical and hospitalization.
- Coverage from 90 days to 364 days; renew uninterrupted policy to extend expiration dates up to 1 year (12 consecutive months).
- Wide network of doctors or hospitals available in the UnitedHealthCare Options PPO Network
- Pre-Existing Conditions covered up to $50,000 for ages 0-69 and $20,000 for ages 70-99
- Wellness Medical Expense Benefit of up to $200 annually for routine physicals
- CDC-recommended preventive immunizations
- Covid-19 covered as any other illness, includes testing and sickness care
- Not available to US Citizens or US Residents living permanently in the USA
- Covered during travel en-route to USA and in other countries during journey
- Insurance for medical accident and sickness, emergency medical evacuation, repatriation of remains, trip interruption, and accidental death & dismemberment
- Premium Rates, please use the quote buy link to generate an online quote for plan rates.
INF Elite Plus X Insurance Plan Details
This is a brief summary of the features available in INF Elite Plus X plan. It is not a contract of insurance. This plan includes both insurance and non-insurance benefits. Limitations and exclusions apply. Please refer to the plan certificate for more details.
| Plan Name | INF Elite Plus X |
| Quote & Buy Online | Buy INF Elite Plus X Insurance |
| Review Plan Brochure | INF Elite Plus X Visitor Insurance Brochure |
| Coverage Period or Duration | Coverage period minimum length of 90 days to maximum of 364 days (nearly 12 months or 1 year). Plan is renewable up to 364 days, if the policy is not lapsed and currently active. |
| Incurral Period | 30 days after the date of Injury/Sickness (in which a specific loss or expense occurred and became a liability). |
| Benefit Period | The earlier of the date the Covered Person’s Trip ends, or 364 days from the date of a Covered Accident or Sicknes (amount of time you have from the date of your injury/illness to receive treatment). |
| Annual Wellness Benefit | $200 |
| Policy Maximum | Age 0-69: Choice of Options: $150,000, $250,000, $300,000, $500,000, or $1,000,000 Age 70-99: $75,000 USD Maximum per Accident or Sickness Expense Benefits. |
| Deductible Options |
Choice of Deductibles: $100, $250, $500, $1,000, $2,500, $5,000. |
| Co-Insurance: | In-network, after deductible, plan pays 80%/90% up to the Policy Maximum. Outside-network, after deductible, plan pays 60%/70% up to the Plan Maximum. Usual,Reasonable & Customary (URC) charges applies. |
| Urgent Care Co-Pay: |
$25 in-network or $50 out-of-network |
| Pre-existing Conditions Limits: | Age 0-69, Maximum Benefit Options: $25,000, $30,000, $40,000, or $50,000; Age 70-99, Maximum Benefit: $20,000 Subject to a $1,500, $2,000, $2,500, $5,000, or $10,000 Deductible Sub-Limits: $15,000 Hospital / ICU Room & Board / $15,000 Hospital Miscellaneous / $15,000 Surgeries / $7,500 Hospital Emergency / $5,000 Assistance Surgeon Expenses / $500 Prescriptions. |
| Physical Therapy | Physiotherapy, Physical Medicine or Chiropractic covered up to $50 per visit up to max of $500. Must be ordered by attending physician. Usual Reasonable and Customary. |
| Urinary Tract Infection | covered up to limited maximum of $2,000 |
| Emergency Medical Evacuation | Up to $25,000 (Not Subject to the Deductible) |
| Repatriation of Mortal Remains | Up to $10,000 (Not Subject to the Deductible) |
| Trip Interruption | $1,000 per policy period (Not Subject to the Deductible) |
| Accidental Death &: Dismemberment (AD&D) | Included maximum $25,000 (Not Subject to the Deductible) |
| Exclusions & Limitations | Exclusions apply, see Exclusions & Limitations section in plan description for details |
| Pre-certification Requirements | See pre-certification section in plan certificate for details, pre-certification does not guarantee benefits. |
| Claims & Reimbursement | Submit the completed claim form and file along with the itemized medical bill/s to the plan administrator within 90 days Note: Plan does not guarantee payment to a healthcare service provider or facility or insured individual for medical expenses until the plan administrator determine it is an eligible expense Claim payments can be converted to a currency of your choice |
| Cancellation & Refund | Before coverage start date, full plan cost refunded After coverage start date, the unused portion of your plan cost is refunded minus a cancellation fee of $10, if no claims filed under the policy already Note: A written (email) request along with the requiste cancellation form filled ans signed is required. |
| Other Details |
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| Worldwide Assistance | 247/365 Emergency Assistance service included, contact phone number provided on the back of ID card. |
| Plan Administrator | INF Visitor Insurance handles all policy administration services |
| Claims Administrator | INF Visitor Insurance handles all claims administration services |
| Insurance Underwriter | Underwritten by Crum & Forster, SPC. |
| Ratings of Insurance Company | A.M. Best: “A” (Excellent) and Standard & Poor’s: “A+” (Strong) |
| Quote & Buy Online | INF Elite Plus X Insurance Quote |
THIS IS A LIMITED BENEFIT POLICY. The insurance described in this document provides limited benefits. Limited benefits plans are insurance products with reduced benefits intended to supplement comprehensive health insurance plans. This insurance is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act.
Notice:
For further information on this Plan, check the plan brochure above. Please keep this summary as a brief description of the important features of the plan. It is not a contract of insurance. This plan includes both insurance and non-insurance benefits. The terms and conditions of coverage are set forth in the Plan. For a detailed plan description, exclusions, and limitations please view the plan on file with the Plan Administrator. The Policy contains a complete description of all of the terms, conditions, and exclusions of the insurance plan as underwritten by Crum & Forster, SPC. The Policy will prevail in the event of any discrepancy between this Brochure and the Policy.
Note:
This insurance is not subject to and does not provide certain insurance benefits required by the United States’ Patient Protection and Affordable Care Act (“PPACA”). PPACA requires certain US citizens or US residents to obtain PPACA compliant health insurance, or “minimum essential coverage.” PPACA also requires certain employers to offer PPACA compliant insurance coverage to their employees. Tax penalties may be imposed on U.S. residents or citizens who do not maintain minimum essential coverage, and on certain employers who do not offer PPACA compliant insurance coverage to their employees. In some cases, certain individuals may be deemed to have minimum essential coverage under PPACA even if their insurance coverage does not provide all of the benefits required by PPACA. You should consult your attorney or tax professional to determine whether the policy meets any obligations you may have under PPACA.
Membership: By purchasing this insurance provided by Crum & Forster SPC, under the jurisdiction of the Cayman Islands, you become a member of the Fairmont Specialty Trust.
Disclaimer: The specified benefits is subject to change, always refer to the plan brochure and program summary or policy certificate for the latest information on the plan.
All coverages and plan costs are shown in U.S. Dollar amounts and are per person and per period of coverage unless otherwise noted.
To receive Evacuation and Return coverage benefits listed, all arrangements for services must be coordinated by the plan claims administrator.
INF Elite Plus X Insurance - Plan Brochure
Review the INF Elite Plus X Visitor Insurance brochure which includes the high level summary of benefits and coverage.
- Plan Brochure: INF Elite Plus X Visitor Insurance Brochure
INF Elite Plus X Insurance PPO Network
INF Elite Plus X Insurance has an extensive USA based and international PPO network of doctors, hospitals, diagnostic labs, and other caregivers. The plan uses the third-party United Healthcare Options PPO Network for caregivers and providers, both for care inside USA and outside America.
- Provider Network: Search and find doctors, hospitals, labs, and other providers within the INF Insurance PPO Network to save on out-of-network charges which is typically incurred outside the network.
INF Elite Plus X Insurance - Quote/Buy Online or Apply
Quote, apply and buy the INF Elite Plus X Insurance policy securely and instantly online.
- Quote/Buy Online: Get instant quote & Buy INF Elite Plus X Insurance coverage online.
INF Elite Plus X Insurance - Renew/Extend Coverage
INF Elite Plus X visitor insurance coverage duration can be extended as plan is renewable, you can extend the policy coverage dates up to a total duration of 364 days, as long as the policy has NOT lapsed or expired.
Renew Policy:
- Extend the INF Elite Plus X Insurance plan coverage dates using on the INF Insurance Client Resources page.
INF Elite Plus X Insurance - Claims
Download and submit the claims form along with for detailed information including receipts for all medical bills for review and processing. You can also check the status of your claim online.
- Claims: Download the INF Elite Plus X Insurance Claims form and online submission of claims is available on the INF Insurance Client Resources page.
INF Elite Plus X Cancellation & Refund Rules
Below are the rules pertaining to cancellation of the policy and refund of premium.
- Prior to Effective Date: If written email request is received by the plan administrator prior to the effective date of coverage, the paid premium is refunded minus a $25 cancellation fee.
- Active Policy: After that effective date, the premium is considered fully earned by the plan administrator and is non-refundable. Even if you have no claims with the current active policy certificate, partial refunds are not available with this policy.
INF Elite Plus X Insurance Plan FAQ
Below are some of the questions frequently asked with the INF Elite Plus X plan:
Who is Eligible to Buy the INF Elite Plus X plan?
Non-US residents visiting the USA or traveling worldwide
INF Elite Plus X Insurance is a visitors insurance policy that non-US residents up to the age of 99 years can buy for a coverage duration of 90-364 days while visiting USA or traveling to the United States and other countries.
Please note that this plan is not available to purchase by residents of the USA, Syria, Iran, Russia, North Korea, Cuba, the United Kingdom, Gibraltar and the European Union.
Can the INF Elite Plus X Plan Coverage be Extended?
Renew Policy to Extend Coverage Dates up to 364 days
INF Elite Plus X Insurance plan can be initially purchased for a minimum of 90 days up to a maximum of 364 days, the coverage may be extended or renewed without lapse in active coverage. Coverage begins at 12:01 AM EST on the plan effective date and terminates at 11:59 PM EST on the policy end date.
Can US Citizens or Green Card Holders Buy INF Elite Plus X Insurance?
US Citizens and Green Card Holders Permanently Living in the USA Not Eligible
INF Elite Plus X Insurance plan is NOT available to US Citizens (even expatriates living abroad), US Residents (US green card holders living permanently in the USA for excess of 1 year).
However, US green card holders traveling to the USA frequently, or have been living in the US for less than a year, are eligible to apply and purchase the INF Elite Plus X policy.
Are pre-existing conditions covered in the INF Elite Plus X plan?
Acute Onset of Pre-existing Conditions are Covered
INF Elite Plus X Insurance plan does cover Acute-onset of Pre-existing Conditions up to age 70 years.
Is Covid-19 sickness/testing covered in the INF Elite Plus X plan?
Covid-19 is a Covered Condition
INF Elite Plus X Insurance plan does cover Covid-19 condition (sickness, testing, etc.)
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