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

Crum & Forster SPC

Administrator

INF Visitors Care

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Comprehensive Coverage Plan

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Coverage from 90 days to 364 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 Plan Certificate and Details(age 0-69) | Plan Certificate and Details(age 70-99) 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    
In-Network: 80% or 90%of the Preferred Allowance Out-of-Network: 60% or 70% of URC Charges
Urgent Care    
In-Network: 80% or 90%of the Preferred Allowance Out-of-Network: 60% or 70% of URC Charges
Surgical Treatment    
In-Network: 80% or 90%of the Preferred Allowance Out-of-Network: 60% or 70% of URC Charges
Prescription Drugs / Medicines    
In-Network: 80% or 90%of the Preferred Allowance Out-of-Network: 60% or 70% of URC Charges
Lab & X-rays    
In-Network: 80% or 90%of the Preferred Allowance Out-of-Network: 60% or 70% of URC Charges
Physical Therapy    
In-Network: 80% or 90%of the Preferred Allowance Out-of-Network: 60% or 70% of URC Charges
In-Patient    
Hospital Room    
In-Network: 80% or 90%of the Preferred Allowance Out-of-Network: 60% or 70% of URC Charges
Surgical Treatment    
In-Network: 80% or 90%of the Preferred Allowance Out-of-Network: 60% or 70% of URC Charges
Hospital Intensive Unit    
In-Network: 80% or 90%of the Preferred Allowance Out-of-Network: 60% or 70% of URC Charges
Emergency Services    
Ambulance Expenses    
In-Network: 80% or 90%of the Preferred Allowance Out-of-Network: 60% or 70% of URC Charges
Emergency Room (ER)    
In-Network: 80% or 90%of the Preferred Allowance Out-of-Network: 60% or 70% of URC Charges
Dental    
Accidental Emergency    
In-Network: 80% or 90%of the Preferred Allowance Out-of-Network: 60% or 70% of URC Charges
Travel    
Emergency Medical
Evacuation/ Rapatriation
   
Up to $25,000 Up to $25,000
Life    
AD&D    
$25,000 maximum $25,000 maximum
Other    
Pre-Existing Conditions    
$20,000 (70-99) | $25,000 (0-69) for unstable conditions,
$75,000 (70-99) $150K, $250K, $300K for stable conditions
$20,000 (70-99) | $25,000 (0-69) for unstable conditions,
$75,000 (70-99) $150K, $250K, $300K for stable conditions
Maternity    
In-Network: 80% or 90%of the Preferred Allowance Out-of-Network: 60% or 70% of URC Charges
Plan Administrator

INF Visitors Care
Company reviews for INF Visitors Care


Carrier/ Underwriter

Crum & Forster SPC


Eligibility

1) Any non US resident

2) Available for ages 0-99 years


What deductible should I chose?

The deductible for INF Elite is per injury/sickness. Please keep in mind that the deductible has to be satisfied completely before the insurance carrier will pay for covered eligible expenses. A lower deductible 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 90% or 80% of all covered network charges up to the overall maximum within the United Healthcare PPO network


How the benefits are paid

After the deductible is met, INF Elite will pay 90% or 80% of all covered network charges up to the overall maximum


Coverage Type

Lifetime of the policy


Deductible Type

Per injury/sickness


Renewability

Renewals are not guaranteed. This policy is a short term duration policy renewable at the option of the insurer. If you are able to renew your policy, there will be a $5 administration fee included in your premium.


Cancellation

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

2) $25 cancellation fee will apply

3) $10 membership and $5 administration fee is non-refundable

4) Premium is fully earned after the policy effective date

5) Written request or email is required for any cancellations up to 24 hours before the effective date


PPO Network

United Healthcare


Coverage Length

Minimum 90 days to Maximum 364 days


Available Deductibles

$50, $100, $250, $500, $1,000, $2,500, or $5,000


Available Coverage

$150,000, $250,000, or $300,000


Provider Directory

INF Visitors Care

P: 408-850-2154

E: support@infplans.com


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 condition maximum. Coverage for Pre-Existing Conditions are subject to the pre-existing deductible and policy maximum. The deductible will be applied each time you utilize the benefit.

Coverage for pre-existing conditions are up to the stated amount on your policy certificate.


Q2. When is the new sickness deductible applied?

If you have Accident or New Sickness the coverage is subject to the new sickness deductible. The deductible is per injury/illness and will need to be fully satisfied before the insurance company will pay for any covered medical treatment and/or services.


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 UnitedHealthcare 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.