Pre-existing Coverage (limits apply*)
INF Elite X
Comprehensive Coverage,
Underwriter: C&F Crum & Forster
Best for:
Best Seller
INF Elite X is an A rated comprehensive Travel Medical insurance plan that provides medical coverage and other covered travel and emergency services for visitors to the U.S during their travel and temporary stay outside of their home country. The coverage duration is available from 90 days to 364 days. While in the U.S, after the deductible is satisfied within the United Healthcare PPO network, the plan will pay 80% of eligible medical expenses up to the policy maximum. Outside of the PPO network, the plan will pay 60% of eligible medical expenses. Learn more about how INF Elite X works.
INF Elite X will cover COVID-19 like any other covered medical condition if the virus was contracted after the policy effective date.
INF Elite X can cover Pre-Existing medical conditions. Please review INF Elite X policy documents for complete coverage and exclusions.
No optional add-on benefits on this plan.
How INF Elite X Works
Out of Network
60%
After deductible, 60% of URC, up to policy maximum
Key Travel Medical Insurance Benefits
Here are some of the top benefits, for your convenience*
Emergency Room
80% up to $20000
Hospitalization
Average semi-private room and rate, up to $20000
Urgent Care
$25 copay, 80% up to Policy Maximum
Trip Interruption
Up to $1000
Pre-Existing Condition
Included
PPO Network
Medical Evacuation
Up to $25000
Prescription
URC up to policy maximum
Emergency Room
80% up to $20000
Pre-Existing Condition
Included
Hospitalization
Average semi-private room and rate, up to $20000
PPO Network
Urgent Care
$25 copay, 80% up to Policy Maximum
Medical Evacuation
Up to $25000
Trip Interruption
Up to $1000
Prescription
URC up to policy maximum
*Note: Benefit amounts shown are based on In-Network coverage. Please consult your specific policy documents for precise coverage limits, benefits and exclusions. Optional add-on benefits are available for an additional charge.
Eligibility
- For non U.S. residents and non U.S. citizens, while traveling to the United States, Canada, or Mexico
- For ages 14 days to 99 years
- Coverage for a minimum of 90 days up to 364 days
- Extendable for up to 364 days
- Must purchase policy before departing home country
- Optional add-on benefits No Optional add-on benefits
- Extend Online
- Cancellation & Refund Info
- How This Plan Works?
- Claim Information
- PPO Network
- What is Not Covered (Exclusions)
- Plan Brochure
- Sample Description of Coverage
Medical Coverage
Medical coverage details.
Eligible Medical Expenses
In-Network
In-Network
80% up to policy maximum
Out-Network
Out-Network
60% of URC, up to policy maximum
Available Policy Maximums
Available Policy Maximums
Limits may vary based on age or destination of traveler
Available Deductibles
Available Deductibles
Limits may vary based on age or destination of traveler
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
For ages 70-99: $20,000 Maximum Benefit; subject to a $1,500 Deductible
Acute onset Pre-Existing Condition
Acute onset Pre-Existing Condition
Not covered
Out-Patient
Medical treatment that does not include an overnight stay at a hospital.
Prescription Drugs / Medicines
Prescription Drugs / Medicines
60% of URC, up to policy maximum
Dr. / Physician Visit
In-Network
In-Network
80% up to policy maximum
Out-Network
Out-Network
60% of URC, up to policy maximum
Urgent Care
In-Network
In-Network
$25 copay, 80% up to Policy Maximum
Out-Network
Out-Network
$50 copay, 60% of URC up to Policy Maximum
Surgical Treatment
In-Network
In-Network
80% up to policy maximum
Out-Network
Out-Network
60% of URC, up to policy maximum
Lab & X-rays
In-Network
In-Network
80% up to policy maximum
Out-Network
Out-Network
60% of URC, up to policy maximum
In-Patient
Medical treatment that includes an overnight stay at a hospital.
Hospital Room and Board
In-Network
In-Network
Average semi-private room and rate, up to $20,000
Out-Network
Out-Network
Average semi-private room and rate, up to $20,000
Dr. / Physician Visit
In-Network
In-Network
80% up to policy maximum
Out-Network
Out-Network
60% of URC, up to policy maximum
Surgical Treatment
In-Network
In-Network
80% up to policy maximum
Out-Network
Out-Network
60% of URC, up to policy maximum
Emergency Services
Hospital emergency services (certain limits may apply).
Ambulance Expenses
In-Network
In-Network
URC up to policy maximum
Out-Network
Out-Network
URC up to policy maximum
Emergency Room
In-Network
In-Network
80% up to $20,000
Out-Network
Out-Network
60% up to $20,000
Dental Coverage
Treatment for injury to or acute and spontaneous pain in sound natural teeth.
Dental Emergency
Dental Emergency
Covered
Travel Coverage
Travel-related coverage
US Border Entry Protection
US Border Entry Protection
Not covered
Emergency Medical Evacuation / Repatriation
Emergency Medical Evacuation / Repatriation
Up to $25,000
Return of Mortal Remains
Return of Mortal Remains
Up to $10,000
Trip Interruption
Trip Interruption
Up to $1,000
Trip Delay
Trip Delay
Not covered
Lost Luggage
Lost Luggage
Not covered
Terrorism
Terrorism
Not covered
Personal Liability
Personal Liability
Not covered
Identity Theft
Identity Theft
Not covered
Legal Fees
Legal Fees
Not covered
Lost or Stolen Passport
Lost or Stolen Passport
Not covered
Missed Connection
Missed Connection
Not covered
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 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 Vaccine/Booster
COVID-19 Vaccine/Booster
Not covered
COVID-19 Quarantine Coverage
COVID-19 Quarantine Coverage
Not covered
Other
Other types of coverage not mentioned above.
Doctor Wellness Visit
Doctor Wellness Visit
Not covered
Preferred Rates
Preferred Rates
Not covered
INF Elite X Exclusions
What is not covered
INF Elite X FAQs
All questions are answered by our Licensed Travel Insurance Consultants.
Any Non-US residents can apply for the INF Elite X Network Plan. This includes B1/B2 visa holders, Green Card holders, H-1B Visa Holders, Students on F1 / F2 Visas, and those on OTP. This plan works for the following age groups from age 18 to age 99. The INF Elite X Network Plan can be used for travel to the United States, Canada or Mexico. The plan is available to purchase for a minimum of 90 days up to 364 days. Please Note: Purchase must be done before arrival into the destination country.
The INF Elite X plan will cover the unexpected worsening any pre-existing condition up to the stated amount on the policy. The insured is fully covered for every doctor visit, specialist visit, emergency room visit, or hospitalization up to the eligible medical maximum set forth in the policy.
You can go to any doctor or hospital of your choice. If you would like, you can choose to go in the PPO network for INF Elite X plan, which is the United Healthcare PPO Network.
You can search for doctors or hospitals in this Provider Directory.
Please refer to the following article about the INF Elite X policy usage: How to Use Your Visitor Insurance
Please refer to the following article concerning INF Elite X's claim process: Visitor Insurance Claim Process
You are able to extend INF Elite X up to the maximum coverage period of 364 days. INF will send email, text and phone call reminders to you 1 week & 1 day before the policy expires. There is a $5 extension administration fee.
You may cancel INF Elite X before the coverage effective date for a full refund. After the effective date, the premium is non-refundable and considered fully earned. Policies purchased before January 1, 2026 and canceled prior to the coverage effective date are subject to a $25 cancellation fee. Policies purchased onward are subject to a non-refundable $15 application fee.
After the policy start date, policy cancellation must be due to a covered reason explicitly stated under the trip interruption benefit, and the premium would not be reundable. Cancellation requests must be submitted online by logging into your VisitorsCoverage account.
You cannot remove one person from the INF Elite X policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.
To purchase INF Elite X, you will need names, coverage duration, date(s) of birth, home country address, passport, and a valid credit card.
After enrolling in INF Elite X, you will receive an email confirmation containing an attachment for ID cards, certificate of insurance and visa letter.
INF Elite X will provide coverage in all eligible countries visited with the exception of your Home Country and any restricted countries listed in the policy documentation. Coverage will only be offered within the policy start and end dates. Please note: If any part of your trip includes the United States, please select it as your destination country.
INF Elite X can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. The INF Elite X plan does not cover for the COVID-19 vaccine/booster. INF Elite X will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered.
Coverage with INF Elite X will begin on the date selected and once the policyholder has left their home country.
Only the primary destination in the application will be listed on the INF Elite X policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period.
Coverage on an INF Elite X plan will begin on the coverage start date and once the traveler has left their home country. The coverage will end immediately once the traveler has entered back into their home country or when the policy has expired.
No, your INF Elite X plan won't be extended or renewed automatically. You have to sign into your account online and activate the extension or renewal yourself. Not all plans are extendable or renewable, so be sure to review your policy terms and conditions for eligibility.
The INF Elite X plan does not offer any coverage for quarantine.
Yes, the INF Elite X plan can provide a Guaranteed Cashless Claims benefit where the INF insurance company can pay the medical provider directly.
The insurance provider for INF Elite X recommends that you submit any correction requests in writing as your policy is a legally enforceable document. Following receipt of the correction, we send the request to the insurance provider; normally, the updates require 3-5 business days. They are processed in the order that they are received. We advise double-checking the information on the application before completing the purchase to prevent any errors and corrections.
Didn’t find what you are looking for?
Our smart travel assistant Luna is ready to assist you 24/7. She’ll answer your question instantly. Let’s Chat!
Send your question to one of our licensed agents. You’ll receive a response typically within 1 business day.
How COVID-19 is Covered Under INF Elite X
COVID-19 Medical Expenses
Medical treatment and services related to COVID-19 can be covered in the event that the virus was contracted 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 Vaccination/Booster
COVID-19 vaccination/booster is not covered under the policy.
Quarantine Benefit
No Coverage
Emergency Medical Evacuation
Emergency Medical Evacuation for COVID-19 treatment can be covered if the virus is contracted after the policy effective date.
Similar Plans
Featured
ChoiceAmerica®
Limited Coverage
Underwriter: SiriusPoint Speciality Insurance Corporation
Best for:
Budget planLimited Pre-existing Conditions
In Network:Pays fixed amount.
Out of Network:Pays fixed amount.
Direct Billing:via PPO First Health PPO Network
In Network:Pays fixed amount.
Out of Network:Pays fixed amount.
Direct Billing:via PPO First Health PPO Network
- After the deductible, plan pays Pre-Fixed Limited Coverage in or out of the First Health PPO network
- Pre-Existing Condition Coverage: Optional Pre-Existing Rider
- US Border Entry Protection
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam Coverage: Optional Vision Rider
- Emergency Dental Coverage: Optional Dental Rider
- Prescriptions/Medication
- Influenza (flu) Vaccination
- Optional Adventure Sports Rider
- COVID-19 Coverage
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.
Adventure Sports Rider
The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes:any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling; amusement/theme park activities; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; wakeboarding; water skiing; wildlife safaris; and windsurfing.
| Age | Lifetime Maximum |
| 0-49 | $50,000 |
| 50-59 | $30,000 |
| 60-64 | $15,000 |
Pre-existing Condition Rider
Pre-existing conditions can include, but are not limited to, any medical condition that you have had before the policy effective date. ChoiceAmerica™ offers an optional pre-existing condition rider, which provides limited and basic coverage for eligible pre-existing conditions that existed at or prior to the effective date. A complete description of benefits is available in the Certificate of Insurance. Please note that all diagnoses are determined by the attending physician.
Dental Vision Rider
Optional Dental Treatment and Vision Care Benefits are available for an additional premium (refer to the rating sheets for further details of the applicable additional premium). Refer to the Benefits Table which outlines the optional Dental Treatment & Vision Care Benefits available.
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.
INF Premier X
Limited Coverage
Underwriter: C&F Crum & Forster
Best for:
Pre-existing Coverage (limits apply*)
In Network:Pays fixed amount.
Out of Network:Pays fixed amount.
Direct Billing:via PPO United Healthcare PPO Network
In Network:Pays fixed amount.
Out of Network:Pays fixed amount.
Direct Billing:via PPO United Healthcare PPO Network
- After the deductible, plan pays Pre-Fixed Limited Coverage in or out of the United Healthcare PPO network
- Pre-Existing Condition Coverage: Included
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Dental Coverage
- Prescriptions/Medication
- COVID-19 Coverage: Included
- No optional add-on benefits available
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.
Disclaimer
Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.
