INF PREMIER Plus X
Travel Medical Insurance for Non-U.S. Residents Traveling Outside Their Home Country.
The INF Premier Plus X Plan provides up to $300,000 in specialized travel medical coverage for non-U.S. residents aged 69 and under. Designed for international travelers, it offers robust protection against unexpected accidents and illnesses abroad throughout your journey.
Please note: All INF Plans are based in Eastern Standard Time. Dates of coverage are effective at 12:01 AM EST and terminate at 11:59 PM EST.
What is INF Premier Plus X?
Travel with confidence knowing you’re protected by one of the most comprehensive travel medical insurance plans available. The INF Premier Plus X Plan stands as a premier travel medical insurance program tailored for non-U.S. residents aged 0-69, including to the United States, Canada, and Mexico, or anywhere outside their home country. With up to $300,000 in medical coverage for new illnesses and accidents, this plan ensures you’re prepared for unexpected health issues during your trip.
This flagship plan provides comprehensive coverage for pre-existing conditions, defined as any illness, disease, or condition that manifested, worsened, or required treatment in the 12 months prior to the policy start date, subject to coverage limitations, exclusions, and benefit maximums. Eligible expenses for outpatient, specialist, urgent care, and inpatient services are covered for both pre-existing conditions and new health issues once the deductible is met, up to the plan's limits and benefit maximums at usualand customary charges for medically necessary expenses.
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As a plan member you will also have access to additional Non-Insurance Features when traveling to the USA including:
- As a valued member of the INF Premier Plus X Plan, you have access to Doctor Please!, a global telehealth app that brings quality medical care directly to you—wherever you are. Available worldwide, Doctor Please! lets you schedule appointments with credentialed, certified, and highly trained healthcare providers, often within just one hour. Connect with a doctor via video or audio chat for non-life-threatening conditions. If needed, have prescriptions sent to a nearby pharmacy (please note, prescriptions may involve out-of-pocket costs if they are not covered as eligible expenses). The app can also assist with prescription refills. While Doctor Please! facilitates and arranges these telehealth visits, any eligible benefits are reimbursed according to the terms of your Plan.
INF Premier Plus X IVAS Plan Coverages
$300,000 Total Maximum Per Accident or Sickness Expense Benefits (incl PPO Discount fee)
Deductible Per Covered Accident or Sickness Expense
$100 to $5,000
$100 to $5,000
Maximum for Pre-Existing Conditions
$50,000
$100,000
Deductible for Pre-Existing Conditions
$1,000
$5,000
INF Premier Plus X IVAS - Summary of Benefits
(incl PPO Discount fee)
$100k Total Max Per Accident or Sickness Expense Benefits
Covered Medical Services
Surgical Room & Supply Expenses
Hospital Emergency Room
Doctor Surgical Expenses
Anesthetics
Assistant Surgeon Expenses
Doctor's Non-Surgical Treatment/Examination Expenses
X-rays & Laboratory Procedures
CAT Scan, PET Scan, or MRI Scan
Prescription Drug Expenses
Out-Patient Medical Benefits
Up to $1,100 maximum
Up to $500
Up to $5,000 maximum
Up to $1,250 maximum
Up to $1,250 maximum
Up to $100 per visit; subject to 1 visit per day, up to a maximum of 10 visits
Up to $650 maximum
Up to $650 additional
Up to $150 maximum
Covered Medical Services
Hospital Room & Board Charges
Hospital Intensive Care Unit Room & Board Charges
Doctor Surgical Expenses
Anesthetics
Assistant Surgeon Expenses
Doctor's Non-Surgical Treatment/Examination Expenses
Consultation visits when requested by a Doctor
Pre-Admission Tests within 14 days before hospital admission
In-Patient Medical Benefits
Charges up to $1,750 per day to a maximum of 30 days
Up to an additional $750 maximum per day to a maximum of 8 Days
Up to $5,000 maximum
Up to $1,250 maximum
Up to $1,250 maximum
Up to $100 maximum a visit, 1 visit per day, up to a maximum 30 visits
Up to $450 maximum
Up to $1,100 maximum
Covered Medical Services
Ambulance Expenses
Rehabilitative Braces or Appliances
Dental Treatment (Injury )
Chemotherapy and/or Radiation Therapy
Physical & Occupational Therapy: Inpatient and Outpatient
Private Duty Nurse
Pregnancy or Childbirth (Conception must occur after the actual start of the Trip)
Other Benefits
Up to $450 maximum
Up to $1,100 maximum
Up to $500
Up to $1,150 maximum
Up to $45 per visit max, 1 Visit per day to 12 visits maximum
Up to $500 maximum
Up to $5,000 maximum
Additional Benefits
Emergency Medical Evacuation
Repatriation of Remains
Accidental Death & Dismemberment
Up to $20,000 maximum
Up to $15,000 maximum
$25,000 Principal Sum
Premier Plus X $300,000 Schedule of Benefits (incl PPO Discount fee)
Covered Medical Services
Hospital Room & Board Charges
Hospital Intensive Care Unit Room & Board Charges
Doctors Surgical Expenses
Anesthetics
Assistant Surgeon Expenses
Doctor Non-Surgical Treatment/Examination Expenses
Consultation visits when requested by a Doctor
Pre-Admission Tests within 14 days before hospital admission
In-Patient Medical Benefits
Up to $3,000 per day to a maximum of 30 days
Up to an additional $1,150 per day to a maximum of 8 days
Up to $8,000 maximum
Up to $1,500 maximum
Up to $2,500 maximum
Up to $175 per visit, 1 visit per day, up to a maximum of 30 visits
Up to $800 maximum
Up to $1,600 maximum
Covered Medical Services
Surgical Room and Supply Expenses:
Hospital Emergency Room
Doctor Surgical Expenses
Anesthetics
Assistant Surgeon Expenses
Doctor Non-Surgical Treatment/Examination Expenses
X-rays, laboratory procedures
CAT Scan, PET Scan, or MRI
Prescription Drug Expenses
Out-Patient Medical Benefits
Up to $1,800 maximum
Up to $2,500
Up to $8,000 maximum
Up to $2,500 maximum
Up to $2,500 maximum
Up to $175 per visit; subject to 1 visit per day, to a maximum of 10 visits
Up to $1,150 maximum
Up to an additional $1,400
Up to $300 maximum
Covered Medical Services
Ambulance Expenses
Rehabilitative Braces or Appliances
Dental Treatment (Injury )
Physical & Occupational Therapy: Inpatient and Outpatient
Private Duty Nurse
Other Benefits
Up to $1,000 maximum
Up to $1,500 maximum
Up to $550
Up to $100 per visit max, 1 Visit per day up to 12 visits maximum
Up to $550 maximum
Additional Benefits
Emergency Medical Evacuation
Repatriation of Remains
Accidental Death & Dismemberment
Up to $45,000
Up to $30,000
$25,000 Principal Sum
INF Premier Plus X IVAS plans are underwritten by Crum & Forster SPC. C&F and Crum & Forster are registered trademarks Crum & Forster SPC. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2024.
THIS IS A LIMITED BENEFIT POLICY. The insurance described in this document provides limited benefits. Limited benefits plans are insurance products with reduced benefits intended to supplement comprehensive health insurance plans. This insurance is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act.
Notice:
For further information on this Plan, check the plan brochure above. Please keep this summary as a brief description of the important features of the plan. It is not a contract of insurance. This plan includes both insurance and non-insurance benefits. The terms and conditions of coverage are set forth in the Plan. For a detailed plan description, exclusions, and limitations please view the plan on file with the Plan Administrator. The Policy contains a complete description of all of the terms, conditions, and exclusions of the insurance plan as underwritten by Crum & Forster, SPC. The Policy will prevail in the event of any discrepancy between this Brochure and the Policy.
Note:
This insurance is not subject to and does not provide certain insurance benefits required by the United States’ Patient Protection and Affordable Care Act (“PPACA”). PPACA requires certain US citizens or US residents to obtain PPACA compliant health insurance, or “minimum essential coverage.” PPACA also requires certain employers to offer PPACA compliant insurance coverage to their employees. Tax penalties may be imposed on U.S. residents or citizens who do not maintain minimum essential coverage, and on certain employers who do not offer PPACA compliant insurance coverage to their employees. In some cases, certain individuals may be deemed to have minimum essential coverage under PPACA even if their insurance coverage does not provide all of the benefits required by PPACA. You should consult your attorney or tax professional to determine whether the policy meets any obligations you may have under PPACA.
Privacy Statement:
We know that your privacy is important to you and we strive to protect the confidentiality of your non-public personal information. We do not disclose any non-public personal information about our insureds or former insureds to anyone, except as permitted or required by law. We maintain appropriate physical, electronic and procedural safeguards to ensure the security of your non-public personal information. You may obtain a detailed copy of our privacy policy by calling us +1 408-222-1110 or by visiting the Privacy Policy.
Complaints:
In the event that you remain dissatisfied and wish to make a complaint you can do so to the Complaints team here.
Data Protection:
Please note that sensitive health and other information that you provide may be used by us, our representatives, the insurers and industry governing bodies and regulators to process your insurance, handle claims and prevent fraud. This may involve transferring information to other countries (some of which may have limited, or no data protection laws). We have taken steps to ensure your information is held securely. Where sensitive personal information relates to anyone other than you, you must obtain the explicit consent of the person to whom the information relates both to the disclosure of such information to us and its use as set out above. Information we hold will not be shared with third parties for marketing purposes. You have the right to access your personal records.
Membership:
By purchasing this insurance provided by Crum & Forster SPC, under the jurisdiction of the Cayman Islands, you become a member of the Fairmont Specialty Trust.
