What are the K1 Visa health insurance plans in the US?
So, you've decided to tie the knot with that special someone from abroad? Congratulations! They are eligible to purchase K1 or Fiancee Visas Health Insurance that we offer on our site.
These policies are for short and long term visitors and can help fill the gap in coverage from when your special someone arrives in the US until you are able to put them on your domestic insurance policy. While employers are required to allow spouses onto a policy (a marriage qualifies as a special event, by the way, and they have to allow you to add them even if it’s not time
Regardless, you can fill this gap in coverage from any of our visitor plans offered by several well-known US based companies. The only small caveat is that once a person has a Green Card, their options for visitor health plans is very limited (to two plans: Visit USA and Travel Medical USA Visitor Choice Insurance). However, while awaiting the green card (a process which could take some time), any of the plans offered are available. If you have doubts or questions, be sure to email us or call one of our licensed agents for assistance.
Congratulations on your upcoming nuptials! We wish you the absolute best for a healthy and happy future!What are the different types of US visitors travel insurance?
Fixed Benefit travel insurance
A fixed benefit travel insurance plan is the cheap health insurance for visitors to USA plan, however this is because the Fixed benefit travel insurance have a fixed limit of coverage for different medical benefits. Fixed benefit visitor insurance works well for small ailments but can be inadequate for more serious medical conditions involving hospitalisation.
Cheapest fixed benefit visitor insurance plans for the USA
Safe Travels Advantage
Trawick International
$20 PER MONTHAge: 40 years | Plan: $25,000 | Deductible: $0
- Policy maximum limits ranges from $25,000 to $150,000
- Deductible option $0
- Coverage from 5 - 364 days
- Covers acute onset of pre-existing conditions related to Cardiac Conditions or Stroke
Venbrook Essential
Venbrook International
$25 PER MONTHAge: 40 years | Plan: $25,000 | Deductible: $0
- Policy maximum limits ranges from $25,000 to $150,000
- Deductible options $0
- Coverage from 5 days - 12 months
- Covers acute onset of pre-existing conditions coverage up to policy maximum
- Policy maximum limits ranges from $25,000 to $100,000
- Deductible options $0 to $100
- Coverage from 5 days - 2 years
- Covers acute onset of pre-existing conditions coverage
Comprehensive travel insurance
Comprehensive travel insurance provide full coverage for medical expenses up to the policy medical maximum limit. As opposed to fixed benefit visitor insurance there are no coverage limits for each benefit. It is much more expensive when compared to fixed benefit plans but also provides significantly superior coverage especially in case of a serious medical emergency or hospitalisation.
Best comprehensive visitor insurance plans for the USA
- Policy maximum limits ranges from $10,000 to $1,000,000
- Deductible options $0 to $2,500
- Coverage from 5 days to 12 months
- Covers acute onset of pre-existing conditions
- Policy maximum limits ranges from $10,000 to $2,000,000
- Deductible options $0 to $5,000
- Coverage for 364 days
- Covers acute onset of pre-existing conditions, also includes $25,000 lifetime maximum for emergency medical evacuation
Safe Travels USA Comprehensive
Trawick International
$87 PER MONTHAge: 40 years | Plan: $50,000 | Deductible: $250
- Policy maximum limits ranges from $25,000 to $150,000
- Deductible options $0 to $5,000
- Coverage from 5 days to 364 days
- Covers acute onset of pre-existing conditions coverage up to 100% policy maximum
How much does visitor health insurance USA cost?
Healthcare in the U.S. is extremely expensive, and without good travel health insurance, even a simple doctor’s visit can become a financial burden. In 2025, the cost of travel health insurance for visitors to the US ranges between $19 to $172 per month, depending on the age, the insurance company, the type of visitors insurance, the coverage limits, and whether you want coverage for pre-existing conditions. If you are looking for a cheap option, some plans cost as little as $1 to $5 per day, making it an affordable way to stay covered.
Why is travel insurance USA is so important? A routine doctor’s visit can cost between $250 to $350, while a heart attack will leave you with a bill of at least $25,000. If you need to stay in the ICU after a stroke, the cost can exceed $150,000. Even something as routine as an echocardiogram ranges from $1,500 to $4,000, depending on where you get it. Emergency treatments for conditions like diabetes complications cost anywhere from $3,500 to $7,000, and if you need treatment for kidney failure, expect to pay over $30,000.
How much does cheap visitor insurance in USA cost?
Cheap visitor health insurance for visitors to USA starts at $19 per month for fixed benefit plans.
Following is the cost of visitor insurance per month.
| Plan Name | Plan max range | Deductible | Age 35 | Age 55 | Age 75 |
|---|---|---|---|---|---|
| Safe Travels Advantage | $25,000 - $150,000 | $0 | $19 - $54 | $29 - $82 | $59 -$160 |
| Visitors care | $25,000 - $100,000 | $100 | $25 - $44 | $30 - $65 | $66 - $152 |
| Safe Travels Elite | $25,000 - $175,000 | $0 | $25 - $71 | $36 - $110 | $105 - $150 |
| Venbrook Essential | $25,000 - $150,000 | $0 | $25 - $74 | $36 - $105 | $66 - $142 |
| Visit USA Budget | $50,000 - $150,000 | $250 | $30 - $49 | $42 -$74 | $81 |
| VisitorSecure | $50,000 - $130,000 | $100 | $31 - $55 | $46 - $84 | $93 - $135 |
| Travel Medical USA visitor basic | $50,000 - $150,000 | $100 | $39 - $47 | $56 - $68 | $178 - $196 |
How much does the best comprehensive visitor insurance cost per month?
The cost of comprehensive visitor insurance starts around $53 month, depending on factors such as age, coverage limits, deductible, and optional add-ons. Higher-tier plans with extensive coverage, including pre-existing condition benefits and lower deductibles, tend to be more expensive. On average, a good comprehensive health insurance plan costs $58 to $108 per month for a 35 year old traveler.
Following are the cost of best health insurance for visitors to USA per month for a $250 deductible.
| Plan name | Plan maximum | Age 35 | Age 55 | Age 75 |
|---|---|---|---|---|
| Atlas Essential America | $50,000 - $1,000,000 | $53 - $98 | $117 - $200 | $244 - $326 |
| Visitors Preferred | $50,000 - $1,000,000 | $53 - $99 | $123 -$231 | $244 |
| Patriot America Plus | $50,000 - $1,000,000 | $57 - $106 | $124 - $235 | $279 - $420 |
| Safe Travels USA | $50,000 - $1,000,000 | $57 - $103 | $123 - $227 | $244 - $321 |
| Venbrook Premier | $50,000 - $1,000,000 | $58 - $104 | $129 - $240 | $352 - $437 |
| Atlas America | $50,000 - $2,000,000 | $58 - $114 | $127 - $253 | $344 - $429 |
| Safe Travels USA Comprehensive | $50,000 - $1,000,000 | $66 - $122 | $143 - $269 | $285 - $455 |
| Atlas Premium America | $50,000 - $2,000,000 | $72 - $142 | $158 - $316 | $430 - $537 |
| SafeVista Comprehensive | $100,000 - $1,000,000 | $76 - $97 | $158 - $225 | $320 |
| Diplomat America | $50,000 - $1,000,000 | $81 - $142 | $176 - $303 | $342 |
| Travel Medical Choice | $50,000 - $1,000,000 | $98 - $173 | $186 - $333 | $736 - $1,000 |
| Patriot America Platinum | $1,000,000 - $8,000,000 | $108 - $226 | $240 - $494 | $604 |
| Visit USA Superior | $250,000 | $112 | $233 | $404 |
Visitor health insurance for USA
Review US visitor insurance plan benefits.
How much does 6 month medical insurance for visitors to USA cost?
For a 60 year old traveler, the cost of USA visitor insurance for 6 months typically ranges around $122 to $1,050, based different coverage options, medical needs, and traveler’s budget on American Visitor Insurance. The best 6 month USA travel insurance is the one which is affordable, reliable and allows the traveler stress free. From ER visits to urgent care, stay covered for 6 months in the U.S starting from just $1.50/day!
What medical benefits are included in travel insurance for USA visitors?
- Health care expenses: Covers hospital expenses for sickness or accidents.
- Doctor visit: Insures Doctor visits for sudden injury or sickness.
- Pharmacy drugs: Doctor prescribed eligible pharmacy drugs expenses.
- Medical evacuation: Medical evacuation expenses to nearest facility included.
- Repat of remains: Repatriation of remains to home country included.
- Pre-existing conditions: Some plans insure acute onset of pre-existing conditions.
How can I buy health insurance for K1 visa holders online?
Finding the available travel health insurance K1 visa
Complete the travel insurance quote request form by providing details of the traveler and insurance requirements.
Compare the different travel insurance options
Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.
Buy the travel insurance that you like best
Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.
Review the visitors insurance plan documents received by email
Review the travel insurance policy documents received by email closely for coverage details and relevant contact numbers.
What are the main factors for the cost of K1 visa medical insurance plans?
- Age of the traveler: The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater the cost of the visitors health insurance.
- Type of travel insurance: Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance.
- Medical maximum coverage and deductible options: The price of visitors medical insurance is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.
- Region of coverage: Travel insurance depends on the coverage region. The cost for visitor health insurance for the United States is most expensive.
- Duration of travel insurance: The longer the duration of visitor medical insurance required, the higher will be the cost.
Health insurance for K1 visa holders - FAQ's
1. I am travelling with my fiancé to the USA soon, Can I include her on my travel insurance policy or purchase separate policies?
While travelling along with the fiancé travelers should purchase 2 separate policies. Legally married Spouse can be included in the single policy document. The pricing and benefits will remain the same weather it’s a combined policy or 2 separate policies.
It would be beneficial to buy two separate policies as any changes that require to be made can be done easily independently on each policy. In a combined policy, making any changes for one insured may become an issue.
2. Do I need health insurance for my fiancee visa?
Health insurance is usually a requirement for the K1 fiancee visa application process. The US government wants to ensure that the foreign fiancee will not become a burden on the healthcare system. K1 visa medical insurance applicants for the fiancee visa can compare and buy good fiancee insurance on American Visitor Insurance.
3. What are the minimum coverage requirements for fiancee visa health insurance?
The minimum fiancee visa health insurance requirements include coverage for hospitalization, emergency care, and outpatient services. K1 visa applicants can compare K1 visa medical insurance plans on American Visitor Insurance to compare coverage details and ensure that your chosen plan satisfies your requirements.
4. Can I use international health insurance for my fiancee visa?
Some international health insurance plans may be accepted for the usa fiancee visa application, however it is safer to buy US plans and to confirm with the U.S. embassy in your home country. American Visitor Insurance works with top US insurance providers who offer K1 insurance.
5. How long should the health insurance coverage be for the fiancee visa?
The fiancee visa health insurance coverage should be valid for the full length of the fiancee visa process. This typically is between Six to Nine months. It is very important to ensure that the fiancee visa insurance does not expire before the visa is approved.
6. Can a fiancee get health insurance in USA?
Yes. Fiancee visa holders can buy USA travel insurance. We recommend the travel insurance for K visa holders be purchased from the day they leave their home country until they return, however, most companies allow you to purchase it even after the traveler has already started their journey.
7. How does US health insurance for K visa work?
K1 visa medical insurance is for unexpected medical expenses while on holding the K visa. Many travel health insurance plans also cover baggage loss/ delay, trip delays, and have other benefits to help travelers with unexpected problems (loss of documents, etc). Since these K visa insurance plans are meant to be used in an emergency, you can use any doctor/hospital. In a non-emergency situation, you should however consult your insurance providers and try to stay in-network (PPO network) in the US since this will significantly reduce your out-of-pocket cost.
Health insurance for K1 Visa holders reviews
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