INF Premier Plus X Insurance for USA & Intl.
INF Premier 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 Pre-Existing Condition coverage. Extendable without lapse in duration.
COVID-19 / SARS-CoV-2 / Coronavirus INF Premier Plus X Insurance includes coverage for testing/treatment of COVID19 just as any other covered disease/condition.
INF Premier Plus X is a top fixed benefits visitor medical plan tailored for non-U.S. residents visiting the U.S. or traveling outside their home country including destinations such as the USA, Canada, EU, UK, and Australia. The plan is a fixed indemnity policy with wellness medical expense benefit included and that delivers broad coverage benefits for travel, medical, and personal assistance needs, including qualified pre-existing conditions as defined. It 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 visitors and travelers reliable, coverage by delivering the insured with the security and support needed to travel with confidence.
INF Premier Plus X Insurance provides up to $300,000 in specialized travel medical coverage benefits for non-U.S. residents aged 69 and under for visiting the U.S. or traveling outside their home country. The plan offers eligible expenses related to pre-existing conditions, as well as new illnesses, accidents, outpatient services, urgent care, and hospitalization—as outlined in the plan documentation. After meeting the deductible, 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, based on usual, customary, and medically necessary charges, up to policy limits and benefit maximums. The plan also offers direct billing with participating providers where available.
The INF Premier Plus X plan is available to non-U.S. residents ages 0–69 years who are traveling outside of their home country. INF Premier Plus X policy supports coverage durations from 90 to 364 days, with a maximum coverage period of 364 days.
In addition to medical coverage, the INF Premier Plus X Insurance plan includes access to additional Non-Insurance Features when traveling to the USA including access to telehealth services and is an excellent option for individuals seeking comprehensive coverage within their budget. The plan is designed for those who value both quality healthcare and cost-effectiveness, and plan features robust benefits, including coverage for pre-existing conditions, as well as protection against unforeseen illnesses and accidents.
INF Premier Plus X is a scheduled benefit 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 Premier Plus X Insurance online, instant ID cards and proof of coverage.
- Review the INF Premier Plus X Insurance Brochure for plan summary description of benefits.
INF Premier 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 Premier Plus X Insurance Review
Robust Fixed Plan for USA or Intl. COVID-19
Notes: Excellent fixed benefit insurance option with Covid-19 coverage for visitors to the USA and abroad, includes pre-existing condition benefits and also covers wellness visits such as check-ups. 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: $300K
- Choice of deductible: $75 to $5000
- Wellness Medical Expense Benefit $200 (Annual)
- AD&D benefit: $25K (included)
- Emergency Medical Evacuation: $45K
- Repatriation of Remains: $25K
- Trip Interruption: up to $1K
PPO Network: For treatment received within USA, members can use the UnitedHealthCare Options Preferred Provider Organization (PPO) network to get any cost savings when you stay within the INF Insurance PPO network to consult a doctor or hospital for medical care. However, since this is a fixed or scheduled benefit plan, 100% of the Usual, Reasonable & Customary (URC) charges applies.
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
- International travel outside home country
- Sickness/injury plans for visitors to America
- Pre-conditions coverage included
- Wellness Visit Medical expenses
- Covid-19 treated as any other sickness
- Quote & purchase online for single trip
INF Premier Plus X Visitor Insurance
INF Premier 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. tourists, individuals or family who are on a holiday to America.
INF Premier Plus X Insurance Overview
INF Premier Plus Visitor Insurance plan review and highlights of coverage are as follows:
- Eligibility: 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.
- Fixed benefit 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 other than exclusions covered
- 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 Premier Plus X Insurance Plan Details
This is a brief summary of the features available in INF Premier Plus X plan. It is not a contract of insurance. This plan includes both insurance and non-insurance benefits. Limitations and exclusions apply. Benefits listed below vary by policy maximums selected, please refer to the plan certificate for more details.
| Plan Name | INF Premier Plus X |
| Quote & Buy Online | Buy INF Premier Plus X Insurance |
| Review Plan Brochure | INF Premier 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 | 90 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 Sickness (amount of time you have from the date of your injury/illness to receive treatment). |
| Policy Maximum | Age 0-69: $300,000 Age 70-99: $100,000 Total USD Maximum Per Accident or Sickness Expense Benefits. |
| Deductible Options |
Age 0-69 Options: $75, $100, $250, $500, $1,000, $2,500, or 5,000 |
| Co-Insurance: |
100% of the URC Charges |
| Urgent Care Co-Pay: |
Covered with $25 Copay |
| Wellness Medical Expense Benefit: |
$200 (Annual) |
| Pre-existing Conditions Limits: | Option 1: $50,000 Maximum Benefit; subject to a $1,000 Deductible Option 2: $100,000 Maximum Benefit; subject to a $5,000 Deductible |
| Inpatient Maximums | Room & Board Charges: Up to $3,000 per day to a maximum of 30 days ICU Room & Board Charges: Up to an additional $1150 per day to a maximum of 8 days Doctor Surgical Expenses: Up to $8,000 Anesthetics: Up to $2,500 Assistant Surgeon Expenses: Up to $2,500 Doctor Non-Surgical Treatment /Examination Expenses: Up to $175 per visit, 1 visit per day, up to a maximum of 30 visits Consultation visits when requested by a Doctor: Up to $800 Pre-admission tests within 14 days before Hospital Admission: Up to $1,600 Admission: Up to $1,600 |
| Outpatient Maximums | Surgical Room and Supply Expenses: Up to $1,800 Doctor Surgical Expenses: Up to $8,000 Anesthetics: Up to $2,500 Assistant Surgeon Expenses: Up to $2,500 Doctor Non-Surgical Treatment / Examination Expenses: Up to $175 per visit; subject to 1 visit per day, to a maximum of 10 visits X-rays, laboratory procedures: Up to $1150 CAT Scan, PET Scan or MRI: Up to an additional $1,400 Hospital Emergency Room: Up to $2500 Prescription Drug Expenses: Up to $300 |
| Other Maximums | Ambulance Expenses: Up to $1000 Rehabilitative braces or appliances: Up to $1,500 Dental Treatment (Injury Only): Up to $550 Physical and Occupational Therapy (Inpatient and Outpatient): Up to $100 per visit. 1 visit per day up to 12 visits maximum Private Duty Nurse: Up to $550 |
| Emergency Medical Evacuation | Up to $45,000 (Not Subject to the Deductible) |
| Repatriation of Mortal Remains | Up to $30,000 (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 Premier 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 Premier Plus X Insurance - Plan Brochure
Review the INF Premier Plus X Visitor Insurance brochure which includes the high level summary of benefits and coverage.
- Plan Brochure: INF Premier Plus X Visitor Insurance Brochure
INF Premier Plus X Insurance PPO Network
INF Premier Plus X Insurance has access to the extensive USA based and international PPO network of doctors, hospitals, diagnostic labs, and other caregivers. However, since this is a fixed or scheduled benefit plan, 100% of the Usual, Reasonable & Customary (URC) charges applies. For additional cost savings, if any, members can use 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 Premier Plus X Insurance - Quote/Buy Online or Apply
Quote, apply and buy the INF Premier Plus X Insurance policy securely and instantly online.
- Quote/Buy Online: Get instant quote & Buy INF Premier Plus X Insurance coverage online.
INF Premier Plus X Insurance - Renew/Extend Coverage
INF Premier 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 Premier Plus X Insurance plan coverage dates using on the INF Insurance Client Resources page.
INF Premier 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 Premier Plus X Insurance Claims form and online submission of claims is available on the INF Insurance Client Resources page.
INF Premier Plus X Insurance 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 Premier Plus X Insurance Plan FAQ
Below are some of the questions frequently asked with the INF Premier Plus X plan:
Who is Eligible to Buy the INF Premier Plus X plan?
Non-US residents visiting the USA or traveling worldwide
INF Premier 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 Premier Plus X Plan Coverage be Renewed?
Renew Policy to Extend Coverage Dates up to 364 days
INF Premier 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 Premier Plus X Insurance?
US Citizens and Green Card Holders Permanently Living in the USA Not Eligible
INF Premier 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 Premier X policy.
Are pre-existing conditions covered in the INF Premier Plus X plan?
Acute-onset of Pre-existing Conditions are Covered
INF Premier Plus X Insurance plan does cover Pre-existing Conditions to set limits as noted in the plan brochure.
Are wellness visits for check-ups covered in the INF Premier Plus X plan?
Wellness Medical Expense Benefit are Covered
INF Premier Plus X Insurance plan does cover wellness visits for check-ups, vaccinations, etc with a set limit of $200 (Annual) as noted in the plan brochure.
Is Covid-19 sickness/testing covered in the INF Premier Plus X plan?
Covid-19 is a Covered Condition
INF Premier Plus X Insurance plan does cover Covid-19 condition (sickness, testing, etc.) as any other included illness.
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