INF Premier Plan: Frequently Asked Questions
Who is eligible for INF Premier?
Any Non-US Citizen can apply for the INF Premier. This includes Green Card holders, H-1B Visa Holders, Permanent Residents, Students on F1 / F1 Visas, and those on OTP. This plan works for all age groups, from age 0 to age 99. The INF Premier Plan can be used for travel to the United States or Canada.
Should I add my Spouse as a Dependent?
If your spouse is traveling with you, they may be added as a dependent if they are eligible for the same type of coverage.
Why should I purchase the INF Premier Plan?
The INF Premier plan is an insurance for visitors traveling to the United States The travel insurance is designed to provide coverage for sickness and accident medical expenses, an Accidental Death and Dismemberment Benefit Emergency Medical Evacuation and Repatriation of Remains benefits while you are on your trip.
Who underwrites the premier Travel Insurance Plan?
ACE American Insurance Company, a member of the Chubb Group of companies, is the underwriter for this plan. INF only uses U.S. Based based underwriting companies to protect policy holders.
Are the premier Travel Insurance Plan's Premiums Pro-Rated?
Yes. For example, if you apply for 1 month and 5 days - that is the exact amount you pay for. No more, no less. Rates are based on a 30 day calendar and are prorated on that basis.
Can I renew the premier Travel Insurance Plan?
You are able to renew the premier Travel Insurance Plan for any amount of time after the initial coverage period. We send email, text, and phone call reminders to you 1 week & 1 day before the policy expiration.
Will this plan cover pre-existing conditions?
Under the INF Premier plan, pre-existing conditions may be covered according to the terms of the policy. A Preexisting Condition is defined as: “Preexisting 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
Can I cancel this plan?
You are able to cancel this plan for a full refund before the start date of the coverage. Cancellation forms must be completed in writing and faxed to INF at 408-520-4967 and are subject to $25 processing fee. Application fees are non-refundable. After the policy start date, the premium is fully earned and therefore impossible to refund. Enrolled must attest they did not use INF insurance to obtain any visa nor use for any governmental purpose while canceling, and absolve INF of any liability for medical expenses while in the United States.
When does the travel insurance start and end?
The premier Travel Insurance plan will start on the actual start of your trip including any layovers during your travel and will end once you return to your country of permanent residence.
Is there a maximum limit for any pre-existing conditions?
Yes, if you have a condition, received any medication or treatment in the last 12-months before your coverage started and you require medical treatment during your trip, there may be up to $60,000 maximum for the Accident and Sickness Medical Expense Benefit with a $75 or $250 deductible for age 0-69, and $25,000 for the Accident and Sickness Medical Expense Benefit with a $250 or $500 deductible for age 70-99.
What area is covered under the INF Premier plan?
The INF Premier provides coverage during your trip to the United States, Canada and Mexico. Please refer to your policy for additional information.
What is the minimum period of coverage?
Once you purchase the coverage, you will be covered from the start date of your trip, which must be a minimum of 90 days and up to 364 days.
How do I pay for this Plan?
We accept all major credit cards (Visa, Discover, MasterCard, American Express) for payment.
How do I apply for the premier Travel Insurance Plan?
We have an Online application available where you can apply for this plan. Or, you can reach us at 408-540-3601 and we will be able to help you complete the application over the phone.
Where can I use this Plan?
If you experience an accident or sickness during your trip, please seek treatment as soon possible. If you your Injury or Sickness is not an emergency, INF is associated with the First Health Provider Network, which will allow you to take advantage of a network of health care providers, which will bill the insurance company directly and could reduce your out- of- pocket expense, if any, once your deductible is met
When seeking treatment with a First Health PPO while covered under the INF Premier plan, please make sure to say the following:"I have a short-term accident & sickness insurance plan which uses First Health PPO. Do you accept plans which work with First Health PPO?"
Avoid stating the following: "I have INF Visitor Accident & Sickness Insurance" or "I have Ace Insurance" or "I have INF Premier." Providers WILL NOT recognize this language, and your coverage may not be accepted.
Who do I reach to out about claims questions?
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.)
EDI Payer#: 22384