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INF Safe Traveler USA Insurance Reviews

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INF Safe Traveler USA Insurance Cost

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INF Safe Traveler USA

INF Safe Traveler USA Insurance is a comprehensive travel medical insurance plan that covers for Non-US Citizens & anyone visiting USA, Canada, Mexico and traveling worldwide outside their home country. This plan provides medical benefits such as emergency medical evacuation, repatriation of remains, accidental death and dismemberment, and telemedicine. This plan offers coverage for minimum of 30 days up to 364 days. Plan will pays 80% of eligible medical expenses up to the policy maximum inside PPO network and the plan will pay 60% of eligible medical expenses outside of the PPO network after the deductible met for United Healthcare PPO network.

Key benefits of INF Safe Traveler USA Insurance

Comprehensive plan

COVID-19 covered

PPO network

Urgent Care & Doctor Visit

Dental & Vision discount coverage

Telemedicine Services

INF Safe Traveler USA Insurance Review

Policy maximum
  • Ages 0 to 69 years: $150k $250k $300k
  • Ages 70 to 99 years: $75k
Deductible options
  • Ages 0 to 69 years: $50 $100 $250 $500 $1,000 $2,500 $5,000
  • Ages 70 to 99 years: $50$100$250 $500 $1,000 $2,500 $5,000
Insurance provider
INF
INF Safe Traveler USA rating
AM Best Rating: A
INF Hop! Mindoro insurance underwriter
Underwritten by Crum & Forster SPC.
Plan life
364 days (Minimum Enrolment 90 days).
Key Highlights of INF Safe Traveler USA

INF Safe Traveler USA Insurance - Key Highlights

  • This plan is available for Non-US Citizens & anyone visiting USA ,Canada,Mexico and traveling worldwide outside their home country.
  • This is a comprehensive plan too but does not cover pre existing condition
  • Available for visitors already in the US with a 5 day waiting period for any new sickness and 15 days for Covid-19. It is also required for customers in this situation to send an I94 and health attestation form signed and dated.
  • The member also needs to submit their I-94 form.
  • Minimum purchase of 30 days is required for this plan
  • COVID-19 Medically Necessary Testing & Treatment covered 100% as any other new sickness with no cost sharing
  • Covers eligible accident & sickness (excluding pre-existing conditions) while traveling to USA, Canada, and Mexico
  • Non-Insurance Dental, Vision, Hearing & Prescription Discount Card Included for INF members
  • This plan is not available to US residents and is only available to non-US residents
  • Non-Insurance Telemedicine services provided by MeMD
  • Open for New Enrollments!
  • Sickness & Accident Plan with 80% in network coinsurance.
View complete details of benefits

A working example of using INF Safe Traveler USA travel insurance

Consider a Safe Traveler USA Plan A example where your:
  • Insurance coverage is $75,000
  • Deductible is $500 per injury or sickness
  • Your claims for medical expenses is $14,500
Below is a simple calculation showing how much the plan/insurance company pays you:
  1. Subtract the deductible from claims amount - $14,500 minus $500 equals $14,000.Insured bears $500.
  2. The insurance provider pays fixed amounts based on the schedule of benefits (as shown in the table) and you have to pay the remaining balance.
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $500 $0 $500
Hospital Room & Board including Laboratory Tests,
X-rays, Prescription Medical and other miscellaneous
$2,000/day for 3 days Up to $1,600/day,
3 day maximum
$1,200
Surgical Treatment $6,000 $4,800 $1,200
Prescription Drugs $600 $480 $120
Diagnostic X-rays & Lab Services $1,400 $1,120 $280
Total: $14,500 $11,200 $3,300
* Disclaimer:- We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.
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INF Safe Traveler USA insurance cost – FAQ’s

01. What is the advantage of buying Safe Traveler USA Insurance?

Safe Traveler USA Insurance Covid19 travel insurance by INF for coronavirus will cover eligible medical expenses resulting from covid19/SARS-CoV-2.

02. Does Safe Traveler USA Insurance cover covid illness?

INF Covid19 travel insurance by Safe Traveler USA travel insurance for coronavirus coverage will cover eligible medical expenses resulting from covid19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

03. What is the eligibility to buy INF insurance?

To purchase INF insurance coverage, you must not be a citizen or permanent resident of the host country you are traveling to, ie the US, Mexico, or Canada. The coverage is available for non-U.S. residents and non-U.S. citizens traveling to the United States, Mexico or Canada between the ages of 14 days and 79 years. US green card holders can buy INF insurance if they have a residence outside the USA. The coverage duration is available from 5 days up to 364 days.

04. What are the requirements for applying for INF insurance?

The main requirements for applying for INF insurance is the travelers passport details and the travel dates. You can apply for INF insurance online on American Visitor Insurance or call +1 (877) 340 7910 to get help in applying for INF insurance.

05. For which countries can I buy INF travel insurance?

INF insurance is available for international visitors to the United States, Canada or Mexico.

06. What is the maximum length of coverage in INF insurance?

The maximum length of coverage for INF insurance is 364 days.

07. How do I apply for INF insurance?

You can apply for INF insurance online through American Visitor Insurance. You can also call them at +1 (877) 340 7910 to get more information on how to apply for INF insurance from licensed insurance agents.

08. What is the cost of INF insurance for visitors to the United States?

The cost of the INF visitors insurance will vary depending on the age of the traveler, the type of coverage and the length of your trip. Typically, visitor’s insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers seeking coverage for pre-existing conditions that INF insurance offers.

09. Can I purchase INF travel medical insurance if I already have pre-existing conditions?

Yes, you can purchase INF travel medical insurance even if you have pre-existing conditions. INF offers Premier, Elite, Elite Plus, Elite 90, Hop Travel Assist and Hop Mindoro Assist plans that provide coverage for pre-existing conditions. However, coverage for pre-existing conditions may have some limitations and exclusions depending on the plan and your specific condition. It is important to carefully review the policy details and ensure that the coverage meets your specific needs.

10. What is INF travel medical insurance for pre-existing conditions?

INF travel medical insurance for pre-existing conditions is a type of travel insurance that provides coverage for individuals who have pre-existing medical conditions.

The INF insurance plans are designed to provide coverage for medical emergencies and unexpected medical events that may occur while traveling. The plans include benefits such as hospitalization, doctor visits, prescription medication, emergency medical evacuation, and more.

INF offers several insurance plans for travelers with pre-existing conditions, including the INF Premier, INF Elite, INF Elite Plus and INF Elite 90 ,Hop Travel Assist and Hop Mindoro Assist. These plans have varying levels of coverage and benefits, so it is important to review each plan carefully to determine which one best fits your specific needs.

11. How much does INF Safe Traveler USA Insurance cost?

The cost of the INF Safe Traveler USA Insurance depends on many factors including age, coverage length, the limit of the plan, and deductibles. The plan offers two options for the limit of the plan: $50K and $100K. The deductible options are $250, $500, and $1K. The higher the limit and the lower the deductible, the higher the premium will be. You can compare and get a quote on American Visitor insurance online by entering your details and choosing your plan options.

12. Can I cancel or extend INF Safe Traveler USA Insurance?

Yes, you can cancel or extend INF Safe Traveler USA Insurance online. You can cancel your plan before the effective date for a full refund, or after the effective date for a prorated refund minus a cancellation fee of $25. You can extend your plan for any amount of time after the initial coverage period, as long as you have not filed any claims.

13. Does INF Safe Traveler USA Insurance cover pre-existing conditions?

No, INF Safe Traveler USA Insurance does not cover pre-existing conditions. However, it does cover UTI (Urinary Tract Infections), which is a common condition among older travelers. If you have a pre-existing condition and need coverage for it, you may consider other INF plans, such as INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus which offer coverage for pre-existing conditions related to COVID-19, such as worsening pre-existing conditions or acute onset of pre-existing conditions.

14. INF insurance does not cover medical tourism?

INF insurance will not cover visitors to US if they are already sick, if a traveller is already in the hospital, expecting to use the insurance, if travelers have scheduled medical procedures, or if travelers are seeking on-going treatment.

If a visitor proceeds to do any of the preceding, it may result in the cancellation of coverage, full refund of the amount paid, and all claims denied. INF has a 5 day waiting period for new sickness / pre-existing coverage if the traveler has already arrived in the United States.

15. Safe Traveler USA Insurance reviews advantages?

Safe Traveler USA Insurance Reviews Covid19 travel insurance by INF for coronavirus will cover eligible medical expenses resulting from COVID19/SARS-CoV-2.

16. Does Safe Traveler USA Insurance Coronavirus Reviews cover covid illness?

INF Covid19 travel insurance by Safe Traveler USA travel insurance reviews for coronavirus coverage will cover eligible medical expenses resulting from COVID19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

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Travel Insurance tips for travelers with Pre-Existing Conditions

Here are some travel insurance tips for travelers with pre-existing conditions:

  1. Choose a travel health insurance plan that covers pre-existing conditions.
  2. Read the policy carefully to understand what is covered and what is not.
  3. Be aware of any waiting periods for coverage of pre-existing conditions.
  4. Consider buying a visitors insurance policy with higher coverage limits.
  5. Carry a copy of your medical records and list of medications with you when traveling.
  6. Ensure that you carry your medical prescription and medicines during your trip.
  7. Know how to access medical care in your destination.
  8. Contact your visitors insurance provider immediately in case of any medical emergency.
  9. Disclose all pre-existing conditions when buying visitors health insurance.
  10. Follow all necessary procedures to file a claim for reimbursement of medical expenses.

What are the INF travel insurance for pre-existing conditions options?

There are several US travel insurance plans available for international travel, however most of these travel insurance plans exclude pre-existing conditions. This means that a travel insurance plan will not cover the costs of treating a pre-existing medical condition. The insurance company can therefore deny a claim if the ailment was pre-existing when the travel insurance was purchased.

INF is the only US insurance provider who is offering visitors travel insurance coverage for pre-existing conditions without limiting it to acute onset of a pre-existing condition. The INF Elite insurance plans cover pre-existing conditions up to a clearly defined pre-existing conditions limit which is different from the policy maximum. It is very important to compare the different travel insurance for pre-existing conditions coverage for the price and coverage details before buying the US travel insurance.

Why is travel health insurance for pre-existing conditions coverage important?

There are many international travelers who have medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Many of the regular travel insurance plans exclude any coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing. At American Visitor Insurance, we offer plans which do offer coverage for acute onset of a pre-existing condition, as well as full coverage for pre-existing conditions up to a clearly defined limit in the policy document. All of these details can be better understood by using our facility for comparing visitors insurance for pre-existing conditions.

How does travel insurance for pre-existing conditions work?

The travel health insurance plans which cover pre-existing conditions have clear definitions of what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions, and if it provides full coverage for pre-existing conditions the coverage limit within the policy for pre-existing conditons. Any travel health insurance coverage for pre-existing conditions will depend on all these factors.

What are the factors to consider while purchasing visitors health insurance for pre existing conditions?

The following are the important factors to consider while purchasing travel insurance for pre-existing conditions

  1. The definition of pre-existing conditions and the look back period under the policy.
  2. The eligibility age limit for pre-existing conditions coverage.
  3. Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
  4. The coverage limit for pre-existing conditions which is different from the policy medical maximum.
  5. The deductible and out of pocket expenses for pre-existing conditions coverage.

Pre-existing conditions coverage - FAQ's

01. How do I know if my pre-existing condition is covered by travel insurance?

Unfortunately, this simple question has a fairly complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance that can cover pre-existing conditions and even plans that are travel medical only without cancellation often are more generous in their coverage of pre-existing conditions. These plans may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.

Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There are only two policies we know of that offer coverage for pre-existing medical conditions. They are INF Premier and INF Elite plans.

Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.

INF Elite (also INF Elite 90) are comprehensive plans offering fairly complete coverage. INF Premier is a fixed plan. Find details on these plans here.

The above plans must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions.

The other option, of course, is to take a plans with little ($1000) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.

02. What does full coverage for Pre-Existing Conditions mean?

INF plans boast they offer "full" coverage for pre-existing conditions. This can be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the INF Elite and INF Premier is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation.

03. What does "acute onset of pre-existing conditions" mean?

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms). A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset.

The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

04. What is the difference between Full Pre-Existing & Acute Onset Insurance?

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

05. What are the limits of Full Pre-Existing plans under INF travel insurance?

Full Pre-existing means we will cover any issue regarding a pre-existing condition, however, if one is traveling to the United States solely for medical treatment, that will not be covered. INF plans do not cover any medical tourism related claims. Pre-existing conditions under the INF plans are covered with a higher deductible and a lower maximum than other illnesses or injuries. These are chosen or specified when you purchase you plan.

06. Do INF travel insurance plans really cover all pre-existing conditions?

Yes, the INF policies will cover any pre-existing issue that the traveler may have during their stay in the United States. This includes blood pressure, diabetes, kidney related issues and arthritis, all of which are covered by the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus Plans.

07. Why are Full Pre-Existing plans more expensive than other visitors insurance plans?

The insurance company takes on an enormous risk by insuring individuals and including coverage for pre-existing conditions without any prior medical examination. Under the INF plans, you are paying more, but you are getting the full value for the money you pay given the very high cost of US healthcare. With the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus Plans, even though it is expensive, you can have the comfort of knowing that you are covered for any emergency or contingency. This peace of mind given the expensive US healthcare expense is what makes INF plans worth it despite being expensive.

08. What services are covered under visitors insurance full pre-existing coverage?

The list of covered services under Visitors insurance full pre-existing conditions coverage can be found on the American Visitor Insurance website of the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus Plan pages. INF plans are open to green card holders

INF Travel insurance for Covid19

At American Visitor Insurance, we are committed to getting you the best travel insurance coverage for Covid19. INF offers travel insurance plans for coverage in the USA, Canada and Mexico. INF Insurance: offers INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90, Hop Travel Assist, INF Safe Traveler USA, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus with Covid19 coverage. Please know we are here to help you make the best, informed decision to get coverage even for covid19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

What are some insurance terms important in Safe Traveler USA Insurance reviews?

Review Safe Traveler USA Insurance to know these important aspects of international visitor insurance for USA:
  • Plan Maximum coverage of Safe Traveler USA travel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Safe Traveler USA insurance offers maximum coverage up to $150,000.
  • What is a deductible in Safe Traveler USA visitors insurance?
    This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible. Safe Traveler USA insurance offer a set of deductible options for the travelers to choose from. Safe Traveler USA insurance has a range of deductible option is $500.
  • What is a provider network of Safe Traveler USA Medical Insurance?
    It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
  • Renewability of Safe Traveler USA Travel health insurance
    Sometime the travel plans may change and a US visitor may be required to extend their period of stay.Safe Traveler USA Insurance can be renewed up to 364 days.
  • Eligibility to buy Safe Traveler USA Insurance Online
    It provides coverage for Non-US Citizens & anyone visiting USA ,Canada,Mexico and traveling worldwide outside their home country.

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