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INF Elite X
Best Seller

Comprehensive Coverage

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Visitors Protect

Comprehensive Coverage

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INF Premier X

Limited Coverage

Age group
Primary applicant
Coverage Limit
All travelers
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Overview Medical Coverage Pre-existing Conditions Out-Patient In-Patient Emergency Services Dental Travel COVID-19 Benefits Other
Overview

Overview

Overview

VisitorsCoverage

Optional add-on benefits

Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.

Disclaimer:
Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.

Medical Coverage

Medical Coverage

Medical coverage details.

Eligible Medical Expenses
Eligible Medical Expenses
Not covered
Eligible Medical Expenses
Not covered
Eligible Medical Expenses
Not covered
Eligible Medical Expenses
In-Network
In-Network
80% up to policy maximum
80%
In-Network
75% up to policy maximum
75%
In-Network
Not covered
Out-Network
Out-Network
60% of URC, up to policy maximum
60%
Out-Network
60% up to policy maximum
60%
Out-Network
Not covered
Pre-existing Conditions

Pre-existing Conditions

Medical coverage for Pre-existing and Acute Onset of Pre-existing Conditions.

Pre-Existing Conditions
Pre-Existing Conditions
For ages up to 69: $25,000, $30,000, $40,000, or $50,000 Maximum Benefit; subject to a $1,500, $2,000, $2,500, $5,000 or $10,000 Deductible
For ages 70-99: $20,000 Maximum Benefit; subject to a $1,500 Deductible
Pre-Existing Conditions
Coverage for Pre-Existing conditions as per the policy terms and conditions.
  • For those 69 and below: Coverage is up to $25,000 for Pre-Existing conditions
  • For those ages 70+: Coverage is up to $20,000 for Pre-Existing conditions
    • Pre-Existing Conditions
    Not covered
    Acute onset Pre-Existing Condition
    Acute onset Pre-Existing Condition
    Not covered
    Acute onset Pre-Existing Condition
    Not covered
    Acute onset Pre-Existing Condition
    Not covered
    Out-Patient

    Out-Patient

    Medical treatment that does not include an overnight stay at a hospital.

    Dr. / Physician Visit
    Dr. / Physician Visit
    Not covered
    Dr. / Physician Visit
    Not covered
    Dr. / Physician Visit
    Not covered
    Urgent Care
    Urgent Care
    Not covered
    Urgent Care
    Not covered
    Urgent Care
    Not covered
    Surgical Treatment
    Surgical Treatment
    Not covered
    Surgical Treatment
    Not covered
    Surgical Treatment
    Not covered
    Prescription Drugs / Medicines
    Prescription Drugs / Medicines
    60% of URC, up to policy maximum
    Prescription Drugs / Medicines
    60% up to policy maximum
    60%
    Prescription Drugs / Medicines
    Not covered
    Lab & X-rays
    Lab & X-rays
    Not covered
    Lab & X-rays
    Not covered
    Lab & X-rays
    Not covered
    Dr. / Physician Visit
    In-Network
    In-Network
    80% up to policy maximum
    80%
    In-Network
    75% up to policy maximum
    75%
    In-Network
    Not covered
    Out-Network
    Out-Network
    60% of URC, up to policy maximum
    60%
    Out-Network
    60% up to policy maximum
    60%
    Out-Network
    Not covered
    Urgent Care
    In-Network
    In-Network
    $25 copay, 80% up to Policy Maximum
    $25 80%
    In-Network
    $25 copay, 100% up to Policy Maximum
    $25 100%
    In-Network
    Not covered
    Out-Network
    Out-Network
    $50 copay, 60% of URC up to Policy Maximum
    $50 60%
    Out-Network
    $50 copay, 100% up to Policy Maximum
    $50 100%
    Out-Network
    Not covered
    Surgical Treatment
    In-Network
    In-Network
    80% up to policy maximum
    80%
    In-Network
    75% up to policy maximum
    75%
    In-Network
    Not covered
    Out-Network
    Out-Network
    60% of URC, up to policy maximum
    60%
    Out-Network
    60% up to policy maximum
    60%
    Out-Network
    Not covered
    Lab & X-rays
    In-Network
    In-Network
    80% up to policy maximum
    80%
    In-Network
    75% up to policy maximum
    75%
    In-Network
    Not covered
    Out-Network
    Out-Network
    60% of URC, up to policy maximum
    60%
    Out-Network
    60% up to policy maximum
    60%
    Out-Network
    Not covered
    In-Patient

    In-Patient

    Medical treatment that includes an overnight stay at a hospital.

    Hospital Room and Board
    Hospital Room and Board
    Not covered
    Hospital Room and Board
    Not covered
    Hospital Room and Board
    Not covered
    Dr. / Physician Visit
    Dr. / Physician Visit
    Not covered
    Dr. / Physician Visit
    Not covered
    Dr. / Physician Visit
    Not covered
    Surgical Treatment
    Surgical Treatment
    Not covered
    Surgical Treatment
    Not covered
    Surgical Treatment
    Not covered
    Hospital Room and Board
    In-Network
    In-Network
    Average semi-private room and rate, up to $20,000
    In-Network
    75% up to policy maximum
    75%
    In-Network
    Not covered
    Out-Network
    Out-Network
    Average semi-private room and rate, up to $20,000
    Out-Network
    Average semi-private room and rate
    Out-Network
    Not covered
    Dr. / Physician Visit
    In-Network
    In-Network
    80% up to policy maximum
    80%
    In-Network
    75% up to policy maximum
    75%
    In-Network
    Not covered
    Out-Network
    Out-Network
    60% of URC, up to policy maximum
    60%
    Out-Network
    60% up to policy maximum
    60%
    Out-Network
    Not covered
    Surgical Treatment
    In-Network
    In-Network
    80% up to policy maximum
    80%
    In-Network
    75% up to policy maximum
    75%
    In-Network
    Not covered
    Out-Network
    Out-Network
    60% of URC, up to policy maximum
    60%
    Out-Network
    60% up to policy maximum
    60%
    Out-Network
    Not covered
    Emergency Services

    Emergency Services

    Hospital emergency services (certain limits may apply).

    Ambulance Expenses
    Ambulance Expenses
    Not covered
    Ambulance Expenses
    Not covered
    Ambulance Expenses
    Not covered
    Emergency Room
    Emergency Room
    Not covered
    Emergency Room
    Not covered
    Emergency Room
    Not covered
    Ambulance Expenses
    In-Network
    In-Network
    URC up to policy maximum
    In-Network
    Up to 75%
    75%
    In-Network
    Not covered
    Out-Network
    Out-Network
    URC up to policy maximum
    Out-Network
    Up to 60%
    60%
    Out-Network
    Not covered
    Emergency Room
    In-Network
    In-Network
    80% up to $20,000
    80% $20,000
    In-Network
    75% up to Policy Maximum
    75%
    In-Network
    Not covered
    Out-Network
    Out-Network
    60% up to $20,000
    60% $20,000
    Out-Network
    60% up to Policy Maximum
    60%
    Out-Network
    Not covered
    Dental Coverage

    Dental Coverage

    Treatment for injury to or acute and spontaneous pain in sound natural teeth.

    Dental Emergency
    Dental Emergency
    Covered
    Dental Emergency
    Up to $300
    Dental Emergency
    Not covered
    Travel Coverage

    Travel Coverage

    Travel-related coverage

    US Border Entry Protection
    US Border Entry Protection
    Not covered
    US Border Entry Protection
    Not covered
    US Border Entry Protection
    Not covered
    Emergency Medical Evacuation / Repatriation
    Emergency Medical Evacuation / Repatriation
    Up to $25,000
    Emergency Medical Evacuation / Repatriation
    Up to $25,000
    Emergency Medical Evacuation / Repatriation
    Not covered
    Return of Mortal Remains
    Return of Mortal Remains
    Up to $10,000
    Return of Mortal Remains
    Up to $25,000
    Return of Mortal Remains
    Not covered
    Trip Interruption
    Trip Interruption
    Up to $1,000
    Trip Interruption
    Not covered
    Trip Interruption
    Not covered
    Trip Delay
    Trip Delay
    Not covered
    Trip Delay
    Not covered
    Trip Delay
    Not covered
    Lost Luggage
    Lost Luggage
    Not covered
    Lost Luggage
    Not covered
    Lost Luggage
    Not covered
    Terrorism
    Terrorism
    Not covered
    Terrorism
    Not covered
    Terrorism
    Not covered
    Personal Liability
    Personal Liability
    Not covered
    Personal Liability
    Not covered
    Personal Liability
    Not covered
    Identity Theft
    Identity Theft
    Not covered
    Identity Theft
    Not covered
    Identity Theft
    Not covered
    Legal Fees
    Legal Fees
    Not covered
    Legal Fees
    Not covered
    Legal Fees
    Not covered
    Lost or Stolen Passport
    Lost or Stolen Passport
    Not covered
    Lost or Stolen Passport
    Not covered
    Lost or Stolen Passport
    Not covered
    Missed Connection
    Missed Connection
    Not covered
    Missed Connection
    Not covered
    Missed Connection
    Not covered
    COVID-19 Benefits

    COVID-19 Benefits

    Covid-19 related benefits and coverage

    COVID-19 Medical Coverage
    COVID-19 Medical Coverage
    This plan covers COVID-19 like any other covered medical condition up to the policy maximum. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions.
    COVID-19 Medical Coverage
    This plan covers COVID-19 like any other covered medical condition up to the policy maximum. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions.
    COVID-19 Medical Coverage
    Not covered
    COVID-19 Testing
    COVID-19 Testing
    Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date
    COVID-19 Testing
    Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date
    COVID-19 Testing
    Not covered
    COVID-19 Vaccine/Booster
    COVID-19 Vaccine/Booster
    Not covered
    COVID-19 Vaccine/Booster
    Not covered
    COVID-19 Vaccine/Booster
    Not covered
    COVID-19 Quarantine Coverage
    COVID-19 Quarantine Coverage
    Not covered
    COVID-19 Quarantine Coverage
    Not covered
    COVID-19 Quarantine Coverage
    Not covered
    Other

    Other

    Other types of coverage not mentioned above.

    Doctor Wellness Visit
    Doctor Wellness Visit
    Not covered
    Doctor Wellness Visit
    Not covered
    Doctor Wellness Visit
    Not covered
    Preferred Rates
    Preferred Rates
    Not covered
    Preferred Rates
    Not covered
    Preferred Rates
    Not covered

    Note: All benefits are paid as per UCR. UCR is an established maximum amount that an insurance company will reimburse for a particular medical service or procedure. These changes are based on the average costs billed by the majority of providers in a given region. Learn more.

    INF Elite X

    Plan BrochureDescription of Coverage
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    Visitors Protect

    Plan BrochureDescription of Coverage
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    INF Premier X

    Plan BrochureDescription of CoveragePlan Certificate Information
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    Disclaimer
      VisitorsCoverage
      Understanding Policy Maximum
      What is a Policy Maximum?

      Policy Maximum (also known as the coverage limit, maximum limit, maximum coverage or policy limit) is the maximum amount the insurance company may be willing to pay for services covered by the policyholder’s insurance plan. Depending on the policy, the Policy Maximum may be applicable to a single incident, an entire year, or the insured’s policy lifetime.

      What policy maximum should I choose?

      The Policy Maximum a person should choose may depend on several factors such as:

      • The type of travel plans- If the trip involves more strenuous activities, a higher policy maximum may be the best option to cover any unforeseen medical illnesses or accidents.
      • The age of the traveler- Insurance plans may limit the amount an insured person in a specific age group (usually 70+) can have in terms of coverage. Eldery travelers tend to be limited at about $50k policy maximum, depending on the plan.
      • The cost of the plan- The higher policy maximum chosen, the higher the premium will be. Depending on how much a traveler has budgeted for travel insurance, it can impact how much coverage a person can afford.
      • Length of trip- If a traveler will be traveling for longer periods of time, it's advisable to get a higher policy maximum to cover the cost of any new sickness or injuries that may occur on their long journey.

      Ensure the amount you're choosing will cover you for any unexpected situations and allow you to travel with peace of mind.

      NOTE: The Policy Maximum is the outer limit of the insurance company's liability for covered expenses only. Not all treatment and services will be covered up to the Policy Maximum. All applicable limits and/or exclusions will apply.

      VisitorsCoverage
      Understanding Deductibles
      What is a deductible?

      This is the amount that you are responsible for paying before the insurance company begins to pay for any covered expenses.

      For example: if you purchase a plan with a USD $250 deductible and incur USD $1,500 in expenses, the insurance company will begin to reimburse for expenses as per the policy MINUS the deductible on the policy. For this type of plan, you need to pay the deductible only once per year, which means no matter how many medical services you have taken, the deductible is only applied once as long the length of policy is less than 12 months.

      What deductible should I choose?

      The deductible may apply either per year or per incident, depending on the policy. Generally, choosing a higher deductible can lower your premium, so you might consider this option if you want to reduce your overall cost.

      The choice also depends on your comfort level, and how much you are ready to pay as a deductible in the event you use the insurance. If there is not much difference in premium, then you may choose lower deductible. USD $100 or USD $250 can be a good choice.

      VisitorsCoverage
      Understanding Pre-Existing Coverage Limits
      What is the Pre-Existing Condition Policy Maximum?

      The Pre-Existing Condition Policy Maximum is the maximum amount the insurance company may be willing to pay for treatment and services the policyholder receives pertaining to their existing medical conditions.

      The Pre-existing condition policy maximum is per injury/sickness. After the pre-existing condition policy maximum is met, the policyholder will be responsible for any remaining medical expenses for treatment and services related to their pre-existing condition.

      What is the Pre-Existing Condition Deductible?

      The Pre-Existing Condition Deductible is the amount the policyholder is responsible for paying before the insurance company begins to pay for any pre-existing covered expenses. The pre-existing deductible is per injury/sickness.

      For example: if you purchase a plan with a USD $1,500 deductible and incur USD $5,000 in pre-existing condition expenses, the insurance company will begin to reimburse for expenses as per the policy MINUS the deductible on the policy. The pre-existing deductible needs to be fully met each time a policyholder utilizes the pre-existing condition coverage per injury/sickness.

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