Comprehensive Coverage Plan
Plan pays based on Percentage % of bill.
Covers Pre existing conditions up to the limit as per the policy terms.
AM Best Rating

A++

Carrier/Underwriter

ACE American Insurance Company

Administrator

INF Visitors Care

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Comprehensive Coverage Plan

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Coverage from 90 days to 360 days

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Pre-Existing Conditions

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Telemedicine by MeMD

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PPO Network

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Medical Coverage During Travel

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INF Elite is a comprehensive visitors insurance plan that provides medical insurance coverage and emergency services for non US residents traveling to the USA, Canada and Mexico.


Exclusions and limitations may apply. Please see program summary for details in the Description of Coverage.


Please review INF Elite Brochure or Description of Coverage for complete and detailed information.


Read more about plan reviews for INF Elite Insurance and company reviews for INF Visitors Insurance.

In-Network

Out-Of-Network

Out-Patient    
Dr./Physician Visit    
80% of covered network charges up to the overall maximum benefit 60% of covered charges up to the overall maximum benefit
Urgent Care    
80% of covered network charges up to the overall maximum benefit 60% of covered charges up to the overall maximum benefit
Surgical Treatment    
80% of covered network charges up to the overall maximum benefit 60% of covered charges up to the overall maximum benefit
Prescription Drugs / Medicines    
80% of covered network charges up to the overall maximum benefit 60% of covered charges up to the overall maximum benefit
Lab & X-rays    
80% of covered network charges up to the overall maximum benefit 60% of covered charges up to the overall maximum benefit
Physical Therapy    
80% of covered network charges up to the overall maximum benefit 60% of covered charges up to the overall maximum benefit
In-Patient    
Hospital Room    
80% of covered network charges up to the overall maximum benefit 60% of covered charges up to the overall maximum benefit
Surgical Treatment    
80% of covered network charges up to the overall maximum benefit 60% of covered charges up to the overall maximum benefit
Hospital Intensive Unit    
80% of covered network charges up to the overall maximum benefit 60% of covered charges up to the overall maximum benefit
Emergency Services    
Ambulance Expenses    
80% of covered network charges up to the overall maximum benefit 60% of covered charges up to the overall maximum benefit
Emergency Room (ER)    
80% of covered network charges up to the overall maximum benefit 60% of covered charges up to the overall maximum benefit
Dental    
Accidental Emergency    
80% of covered network charges up to the overall maximum benefit 60% of covered charges up to the overall maximum benefit
Travel    
Emergency Medical
Evacuation/ Rapatriation
   
$25,000 maximum $20,000 maximum
Life    
AD&D    
$25,000 maximum $25,000 maximum
Other    
Pre-Existing Conditions    
Up to $25,000 maximum depending on coverage selected Up to $25,000 maximum depending on coverage selected
Maternity    
80% of covered network charges up to overall maximum benefit for emergency medical treatment of pregnancy 60% of covered charges up to overall maximum benefit for emergency medical treatment of pregnancy
Plan Administrator

INF Visitors Care
Company reviews for INF Visitors Care


Carrier/ Underwriter

ACE American Insurance Company


Eligibility

1) Any non US resident

2) Available for ages 0-99 years


What deductible should I chose?

The deductible for INF Elite is once at the begining of the coverage and policy period. Please keep in mind that the deductible has to be satisfied completely before the insurance carrier will pay for covered eligible expenses. A lower deduticble is recommended.


Plan Type

Comprehensive Coverage Plan/ Plan pays a percentage for eligible covered expenses up to the overall maximum


AM Best Rating

A++


Coverage in U.S.A

Covered


Coverage outside the U.S.A

Only Canada and Mexico


Co-Pay

No co-pay


Co-Insurance

After the deductible is met, INF Elite will pay 80% of all covered network charges up to the overall maximum within the First Health PPO network


How the benefits are paid

After the deductible is met, INF Elite will pay 80% of all covered network charges up to the overall maximum


Coverage Type

Lifetime of the policy


Deductible Type

Once annually or per policy period


Renewability

INF Elite can be renewed prior to expiration date. A $5 renewal fee applies for every renewal. The plan can be renewed up to 360 days.


Cancellation

1) Refunds are only available for cancellation requests submitted prior to effective start date

2) $25 cancellation fee will apply

3) $15 application fee is non-refundable

4) Premium is fully earned after the policy effective date

5) Written request or email is required for any cancellations


PPO Network

First Health Network


Coverage Length

Minimum 90 days to Maximum 360 days


Available Deductibles

$150K (ages 0-69): $500 / Pre-existing: $1,500

$75,000 (ages 70-99): $500 / Pre-existing: $1,500


Available Coverage

$150K (ages 0-69) / Pre-existing: $25,000

$75K (ages 0-69) / Pre-existing: $20,000


Provider Directory

INF Visitors Care

P: 408-850-2154

E: support@infplans.com


Does the plan cover for Covid-19 (Coronavirus)?

INF treats COVID-19 similar to any other new sickness, and covers treatment like any other new sickness. Pre-Testing for COVID-19 is covered if recommended by a physician. Treatment and services are covered like any other new sickness, subject to the terms and conditions of the policy (This is alluding to the policy benefits). There is no country exclusion, pandemic exclusion, or time spent in the US restriction on INF coverage for COVID-19. As COVID-19 is covered like a new sickness, treatment is covered up to the new sickness policy maximum and subject to the new sickness deductible.


Q1. When is the pre-existing deductible applied?

If you have had any medical issue within the past 12 months, treatment of such issue will be subject to the pre-existing maximum. Out-patient Care for Pre-Existing Conditions are subject to the pre-existing deduction and policy maximum. Out-patient care means medical care for non-emergency worsening of pre-existing conditions. This includes urgent care, doctors' visits, specialist visits, blood tests, MRI, etc.


Q2. When is the new sickness deductible applied?

If you have Accident or New Sickness the coverage is subject to the new sickness deductible. If you have an Acute Onset of Pre-Existing condition, and there has been no incident within the last 12 months, the coverage is subject to the new sickness deductible, policy maximum. (See chart below for examples of Acute Onset New Sickness)


Q3. Am I Eligible for INF Elite?

Any Non-US citizen, U.S Expatriate and their dependents. INF Elite will provide coverage for travel to the United States, Canada and Mexico. This plan is eligible for age groups 0 to 99.


Q4. What information do I need to purchase the plan?

You will need names, date of birth/s, passport number/s, home country address and a valid credit card.


Q5. When will I receive my ID card?

After enrolling, you will receive an email confirmation containing an attachment for ID cards, certificate of insurance and visa letter.


Q6. Can I renew the plan if I stay longer?

You are able to renew the Elite Network Plan for any amount of time after the initial coverage period. INF will send email, text, and phone call reminders to you 1 week & 1 day before the policy expiration. There is a $5 renewal administration fee.


Q7. Can I cancel the plan?

You are able to cancel this plan for a full refund (minus a $25 cancellation fee) before the start date of the coverage. Cancellation forms must be completed in writing and faxed to INF at 408-520-4967. Application fees ($15) are non-refundable. After the policy start date, the premium is fully earned and therefore nonrefundable.


Q8. Will this plan cover pre-existing conditions?

The Elite Network plan will cover 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, or hospitalization up to the eligible medical maximum set forth in the policy.


Q9. Which doctor or hospital can I go to?

INF Elite is using the First Health PPO Network. This is one of the largest PPO networks in the nation. You can find a list of providers within the PPO network here: Click Here


Q10. How do I file a claim?

Anytime you visit a health care provider, even if you do not pay, we strongly suggest you fill out a claim form so the insurance company has a record of your visit to the health care provider & will be able to pay your claim in a timely manner.


Medical Bills & Receipts can be sent to the following address:


Administrative Concepts, Inc. (ACI)

994 Old Eagle School Rd., Suite 1005

Wayne, PA 19087-1706

Toll Free: 888-293-9229 (from inside the U.S.)

Phone: 610-293-9229 (from outside the U.S.)

Fax: 610-293-9299

Web: http://www.visit-aci.com

EDI Payor#: 22384


Q11. Will this plan work in my area?

The Elite Network Plan works in all 50 U.S. States, Canada and Mexico.

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NOTE: INF VISITOR ACCIDENT & SICKNESS INSURANCE WILL NOT COVER SCHEDULED OR ANTICIPATED MEDICAL TREATMENT FOR PRE-EXISTING CONDITIONS. THESE PLANS ARE DESIGNED TO COVER THE WORSENING OF PRE-EXISTING CONDITIONS & EMERGENCY TREATMENT OF PRE-EXISTING CONDITIONS ONLY. ENROLLMENT AFTER ARRIVAL DATE IS SUBJECT TO SEPCIAL UNDERWRITING AND PRE-EXISTING COVERAGE MAY BE DELAYED OR DENIED.