INFE

INF Elite

Comprehensive Coverage,  Rated A++ (Superior)Ace American Insurance Company
AM Best Rating
A++ (Superior)
Administrator/Underwriter
INF Visitor Insurance
Ace American Insurance Company
100%
In Network

After deductible, the plan pays 100% up to the policy maximum.

60%
Out of Network

Plan pays 60% up to the policy maximum.

pre-existing-conditions
Pre-Existing Conditions
medical-coverage-during-travel
Medical Coverage During Travel
renewable-cancelable
Renewable & Cancelable
comprehensive
Comprehensive Coverage Plan
coverage-days
Coverage from 90 days to 360 days
urgent-care
Urgent Care
COVID-19 Included
BUY

INF Elite is a comprehensive medical plan for individuals traveling to USA, Mexico and Canada that provides health coverage including coverage for any pre-existing conditions up to the stated eligible amount in the policy. The policy must be purchased before arrival into the destination country. After the deductible is satisfied, for treatments within the PPO network, the plan pays 80% of eligible medical expenses up to the policy maximum. Outside the PPO network, the plan pays 60% of eligible medical expenses up to the policy maximums..

Please review INF Elite Brochure brochure or Description of Coverage brochure (policy document) for complete and accurate coverage and exclusions.

Out-Patient

Dr. / Physician Visit

Plan pays 80% of covered network charges up to the overall maximum limit

Urgent Care

Plan pays 80% of covered network charges up to the overall maximum limit

Surgical Treatment

Plan pays 80% of covered network charges up to the overall maximum limit

Prescription Drugs / Medicines

Plan pays 80% of covered network charges up to the overall maximum limit

Lab & X-rays

Plan pays 80% of covered network charges up to the overall maximum limit

Physical Therapy

Plan pays 80% of covered network charges up to the overall maximum limit

In-Patient

Hospital Room

Plan pays 80% of covered network charges up to the overall maximum limit

Surgical Treatment

Plan pays 80% of covered network charges up to the overall maximum limit

Hospital Intensive Care Unit

Plan pays 80% of covered network charges up to the overall maximum limit

Emergency Services

Ambulance Expenses

Plan pays 80% of covered network charges up to the overall maximum limit

Emergency Room(ER)

Plan pays 80% of covered network charges up to the overall maximum limit

Dental

Accidental emergency

Plan pays 80% of covered network charges up to the overall maximum limit for dental treatment to sound, natural teeth

Travel

Emergency Medical Evacuation / Repatriation

Up to $25,000

Return of Remains

Coverage up to a maximum of $20,000 for return of mortal remains to the insured's home country.

Life

AD&D

$25,000 maximum

Other

Pre-Existing Conditions

Covered up to $25,000

Maternity

Plan pays 80% of covered network charges up to the overall maximum benefit for emergency medical treatment of pregnancy

General Physical full Checkup

Not Covered

Terrorism Coverage

Not Covered

Brochure

Support

24-Hrs Emergency Assistance

Yes. Contact number and details can be found on the ID card.

Plan Administrator Company

INF Visitor Insurance

Carrier / Underwriter

Ace American Insurance Company

AM Best Rating

A++ (Superior)

Eligibility

All visitors & travelers to the United States, Canada, or Mexico (including Non-US Citizens & US Citizen expatriates visiting the United States). The policy must be purchased before arrival into the destination country.

Plan Type

Comprehensive Coverage Plan
Plan pays up to a certain percentage of eligible medical expenses.

Coverage in U.S.A.

Covered

Coverage outside U.S.A.

Canada and Mexico only

Co-Insurance

After the deductible is satisfied:
Inside PPO Network in the USA: The plan pays 80% of eligible medical expenses
Outside the PPO Network in the USA: The plan pays 60% of eligible medical expenses

How the Benefits are Paid

After the deductible is satisfied:
Inside PPO Network in the USA: The plan pays 80% of eligible medical expenses
Outside the PPO Network in the USA: The plan pays 60% of eligible medical expenses

Deductible Type

Per sickness / injury

Renewability

Can be renewed only before policy expires. $5 renewal fee applies for every renewal.

Cancellation

1) $25 cancellation fee if you cancel before the policy start date.
2) No refund available if requested after the policy start date

PPO Network

First Health Network

Coverage Length

Minimum of 90 days to maximum 360 days (at a time)

Available Deductibles

New Sickness: $500
Pre-Existing Condition: $1,500

Available Coverage

Age 0-69: $150,000
Age 0-69 Pre-Ex: $25,000

Age 70-99: $75,000
Age 70-99 Pre-Ex: $20,000

Provider Directory

First Health Network

Plan Brochure

INF Elite Insurance Brochure brochure

Home Country Definition

U.S. Citizens: Home Country is where the insured person maintains primary residence. Non-U.S. Citizens: Home Country is the country of which the Insured Person is a citizen or national; including any country where the Insured Person maintains his/her primary residence or usual place of abode and any country of which the Insured Person is the possessor of a validly issued passport. In the event there is more than one home country under the above-listed criteria, the Home Country is the country meeting the above-listed criteria and listed by the Insured as his or her Home Country on the application.

US States Restrictions

No state restrictions

Country Restrictions

No country restrictions

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.