Planning a memorable trip with great food, landscapes to die for, and fond snippets to recollect at leisure back home? Beware, even the best-planned trips may hit an unprecedented snag. Accidents and health conditions have a knack for happening without any forewarning and may lead to unforeseen monetary losses.
If your parents are visiting the USA to meet you, the primary concern you may have is about their Pre-Existing medical conditions since medical treatment in the United States is very expensive and the medical bills can quickly ramp up for any unforeseen medical incident.
INFPlans offers travel insurance to cover pre-existing conditions, read this article to understand if these plans can meet your needs.
Travel Medical Insurance Decoded
A travel medical insurance policy provides a safety net to a traveler against any unforeseen health issue that may lead to a monetary loss on the trip.
Medical expenses, often unpredictable in nature, are covered by travel insurance. No one really wants to fall sick while traveling, and an injury or illness can prove to be devastating during a trip. Travel medical insurance is designed for such mishaps.
The next question is, where does one get the best travel medical insurance? INF Insurance is a reputed group that proudly promises “ Coverage You Want. Peace of Mind You Need.”
Let’s examine the veracity of their claim.
Why INF Travel Medical Insurance?
INF, an Insure Tech Company founded in 1988, specializes in international medical and travel insurance. They offer the only pre-existing condition travel insurance for visitors to the United States.
INF also specializes in the most competitive Schengen Visa and international medical and travel policies on the market. INF offers a suite of inbound US and outbound US travel insurance products for leisure or business travelers and students.
The innovative international medical products they offer include pre-existing coverage plans, coverage for travelers of all ages up to ninety-nine years, dental and vision coverage for travelers, and telemedicine benefits.
INF Insurance Plans for Visitors
INF insurance provides unique and innovative accident and sickness insurance to individuals worldwide visiting the United States, Mexico, and Canada. It would be worthwhile to take a quick look at their exclusive plan offerings:
INF Elite Details
INF Elite is a comprehensive insurance plan and has the unique feature of covering pre-existing medical conditions. This plan covers pre-existing conditions to the limit as per the policy terms and pays based on the percentage of the bill.
Underwritten by Crum & Forster, SPC, the insurance benefits include coverage for non-US residents from zero to ninety-nine years.
The short-term travel medical coverage extends from 90 days to 364 days. The maximum limit for ages seventy to ninety-nine is $75000/- while for the age group zero to sixty-nine, it is $300,000/-.
The plan utilizes United Healthcare Options PPO.
INF Premier Details
INF Premier covers pre-existing conditions, including coverage for blood tests, lab work, and hospital stays, apart from other benefits for unexpected medical incidents.
The coverage in terms of age, pre-existing condition coverage, and the number of short-term days are the same as the Elite plan.
The maximum limit under this fixed benefit plan is $ 100,000 and $ 150,000 for the age groups seventy to ninety-nine and zero to sixty-nine, respectively.
The pre-existing coverage has a maximum limit of $60,000/-. Direct billing may be available.
INF Traveller USA Details
Maximum limits under this plan are $ 75,000/- for ages seventy to ninety-nine.
For the age group zero to sixty-nine, the options are $150,000/-, $ 250,000/- or $ 300,000/-.
The plan utilizes United Healthcare Options PPO and includes direct billing.
INF Standard Details
Any non-US citizen or US expatriate from age zero to ninety-nine traveling outside the home country, Is eligible for this plan. It can be renewed online up to 12 months after the initial involvement period. Short-term travel medical coverage length spans a tenure of 30 days to 364 days.
Maximum limits range from $ 50,000/- to $ 100,000/- to $ 150,000/- Direct billing may be available from providers, but no coverage for pre-existing conditions is available with this plan.
It includes coverage for dental, prescription drugs, vision issues such as eye irritation, pregnancy and childbirth, chiropractic care, and urinary tract infections. It is important to note that this plan is only available for visitors before coming to the USA.
INF-BMI Plans Details
BMI Pans from INF are Travel Assistance Plans. The benefits that come with INF-BMI Plans include COVID-19 coverage and pre-existing conditions coverage. To avail of these plans, the beneficiary must always and without exception contact the emergency center, who in turn will coordinate a virtual appointment by Telemedicine.
Based on the opinion provided by the medical department, if the beneficiary presents symptoms related to COVID-19, the Assistance Centre will coordinate the relevant medical consultation according to the safety and health protocols of each country.
Hospital expenses for COVID-19 and mechanical respirator fees will be covered under the coverage limit indicated in the voucher.
Diplomat America Details
This plan is designed for non-US citizens visiting the US and US ex-pats visiting the US. It covers COVID-19 as a new sickness. Emergency medical evacuation and repatriation are covered up to a limit of $ 500,000/-, while the return of mortal remains, emergency medical reunion, and return of a minor child are covered up to a limit of $ 50,000/-.
This plan also covers interruption of the trip, loss of baggage, emergency dental treatment, accidental death and dismemberment, and athletic and hazardous activity.
The Common Denominators in the INF Plans
Most of the plans that INF offers have the following common features:
- The plans cover non-US citizens traveling to the US, Canada, or Mexico
- Emergency Medical Evacuation benefits
- Accidental Death and Dismemberment benefits
- COVID-19 is treated as any other sickness
- Plans may have pre-existing conditions coverage
- Telehealth is provided by MDLIVE (for visits to the US only)
- Careington International coordinates dental, vision, hearing, and prescription discounts
INF Plans and Pre-Existing Conditions Coverage
One of the most important benefits most travelers require is coverage for pre-existing medical conditions. Pre-existing conditions coverage makes INF plans unique compared to other travel insurance options.
The acute onset of pre-existing conditions is covered by INF’s comprehensive plans. Some plans even cover the routine check-ups associated with pre-existing conditions.
Pre-existing conditions coverage essentially means that for a traveler covered under the INF Elite and Premier plans, issues for which a doctor’s treatment has been received in the past year will be considered pre-existing.
Similarly, if medication for a condition were started last year, it would be considered pre-existing. In other words, common issues like BP and Diabetes that are stable are covered as new sicknesses.
Cancellation Policy at INF
Refund of premium will be considered only if INF Health Care receives the cancellation form before the effective date of coverage. After that date, the premium is considered fully earned and non-refundable
Unlike other insurance companies that give a prorated refund, there is no cancellation after the policy’s effective date at INF. Due to this enrolling for 2 to 3 months and then renewing would be a better option than enrolling for six months or more at a stretch.
Extension of INF Plans
INF’s Elite, Premier, and Standard plans can be extended up to a maximum of 364 days. It is a hassle-free process that is available online.
Why INF is a Good Choice for Travel Medical Insurance?
INF has provided innovative options for visitor insurance to millions of travelers to the United States for more than 30 years. There is a commitment to providing innovative insurance products, quality customer care, and supporting members when they need it the most. INF offers some of the most comprehensive travel medical insurance plans. Let us have a look at their notable features:
- Their 30-year-old track record
- Expertise in visitors’ insurance
- 24-hour customer care service
- Exclusive plan offerings
- Simpler experience with built-in technology
- No paperwork – instant ID secure purchase
- Offers plans covering pre-existing conditions
- Telemedicine services
- Discount card for vision, dental, and hearing included in plans
Now let’s take a look at the areas that are not aligned with customers’ needs:
- After the effective policy date, there is no option for cancellation
- The minimum coverage duration is 90 days on most plans that cover pre-existing conditions
The benefits that INF’s plans provide are many. For a traveler, what could be better than going to the USA with a mind free of the anxiety and stress of unforeseen events?
INF truly offers the ease that travelers look for in insurance plans. The many advantages highlighted in this article are proof of the intent to make medical travel insurance as customer-friendly as possible. It is evident that INF plans are best suited for travelers to the United States with chronic or other pre-existing conditions.
How Do the Premiums on INF Plans Compare With Other Travel Insurance Providers?
There are several options in the marketplace for travel insurance and there is no one size fits all solution. The premiums for INF Plans tend to be higher than other service providers due to the nature of coverage provided.
If you or your parents are healthy with no pre-existing conditions, you may also find these popular plans meeting your travel insurance needs:
Travel medical insurance coverage choices are plenty for seniors looking for alternatives to INF Plans.
Make sure you generate a quote and compare the plans before deciding.