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INF Premier by INF Plans

Low-cost Schedule of Benefits Plan with Pre-existing Condition Coverage

INF Premier by INF Plans

The Premier IVAS Plan is one of the INF's flagship Insurance programs for visitors to the United States, Canada and Mexico.

INF Premier IVAS Plan is not available to US residents and is only available to non-US residents.

INF Premier IVAS Plan provides coverage for pre-existing conditions as defined in the plan, as per policy limitations, exclusions and maximums, with no benefit waiting period.

Pre-existing condition means an illness, disease, or other condition of the Covered Person that in the 12-month period before the Covered Person’s coverage became effective under the Policy: 1. first manifested itself, worsened, became acute, or exhibited symptoms that would have caused a person to seek diagnosis, care, or treatment; or 2. required taking prescribed drugs or medicines, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or 3. was treated by a Doctor or treatment had been recommended by a Doctor.

This means eligible expenses out-patient, specialist, urgent care, and in-patient services are covered for pre-existing conditions as well as for new sicknesses, & accidents, as defined in the plan. After the deductible has been met, coverage is provided for usual and customary charges for medically necessary covered expenses incurred, up to plan limits and benefit maximums. Direct billing may be available from your provider.

In addition to accident and sickness benefits, the INF Premier IVAS program includes eligible Emergency Medical Evacuation Benefits, Repatriation of Remains Benefits, and Accidental Death and Dismemberment Benefits.

This plan is available to non-US residents ages 0-99 traveling to the US, Canada or Mexico when purchased before the start date of your trip for at least 90 days and no more than 364 days, which is the Maximum Period of Coverage. Enrollment can be completed Online.

Plan Eligibility:

  • All non-US citizen members ages up to 99 who are traveling to the United States, Canada or Mexico.
  • Policy Maximums Options: $100,000, $150,000, $300,000, $500,000, or $1,000,000 up to age 69 & $100,000 for ages 70 to 99
  • Deductible per Injury/Sickness : Options: $75, $100, $250, $500, $1,000, $2,500, or $5,000
  • Coverage for minimum of 90 days up to 364 days
  • Extendable for up to 364 days
  • Must purchase policy before departing home country
  • INF Premier will cover COVID-19 like any other covered medical condition

Best for Pre-Existing Condition Coverage:

  • Pre-Existing Condition Coverage for ages up to 69: $20,000-$600,000 range per policy maximum; subject to a $1,000 or $5,000 Deductible
  • Pre-Existing Condition Coverage for ages 70-99: $15,000 or $25,000 per policy maximum; subject to a $1,000 or $5,000 Deductible

INF Insurance plans are offered to persons traveling on a limited duration trip (364 days or less) to the US, Canada or Mexico. Please note that INF Premier and Elite plans require minimum 90 days enrollment.