What is K Visa Insurance USA?
K-1 (fiancé/fiancée) visa insurance is a type of travel medical insurance designed for individuals entering the United States on a K-1 fiancé(e) visa or related K visas. The K-1 visa allows a foreign fiancé(e) of a U.S. citizen to enter the U.S. for 90 days to get married. During this period, K-1 visa holders are considered visitors, not residents, and therefore cannot enroll in U.S. domestic health insurance.
Because K-visa holders do not yet qualify for ACA (Obamacare), Medicaid, or employer plans, K-visa insurance provides temporary medical coverage until they marry and apply for Adjustment of Status.
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.
- 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!
Is Health Insurance Required for the K-1 Visa?
There’s no official legal mandate stating that all K-1 visa applicants must have a specified health policy, but:
- U.S. immigration participants and many consular guidance strongly recommend having health insurance to ensure the fiancé(e) won’t become a financial burden in the U.S.
- Insurance lasting through the duration of the visa waiting period (often 6–9 months) is strongly advised.
Who Needs K-1 Visa Health Insurance?
Anyone entering the U.S. on a K-1 (fiancé/fiancée) visa should consider purchasing health insurance for K1 visa holders. While not legally required, it helps protect against high U.S. medical costs and ensures coverage from arrival until marriage or adjustment of status.
You can find affordable K1 visa insurance tailored to your needs. Key benefits include:
- Best K1 visa health insurance plans: Choose from comprehensive or fixed-benefit options that fit your budget.
- Coverage for pre-existing conditions: Some plans include limited protection for acute onset conditions.
- Flexible options for all ages: Whether you’re young or older, there’s a plan for you.
- Fiancé visa health insurance USA: Plans specifically designed for K-1 visa holders in the United States.
- Easy online enrollment: Compare plans, get a quote, and purchase coverage before you travel.
- Peace of mind: Protects both the K-1 visa holder and U.S. sponsor from unexpected medical expenses.
- K1 visa medical insurance: Covers emergency medical care, hospitalization, and sudden illness.
It’s best to purchase K-1 visa medical insurance before traveling to the U.S. Coverage can begin:
- From the day the fiancé(e) departs their home country, or
- From the arrival date in the U.S.
- Buying early ensures no gaps in coverage and provides peace of mind for both the traveler and sponsor.
What Does K1 Visa Medical Insurance Cover (and Not Cover)?
K1 visa medical insurance is designed to protect fiancé(e)s from unexpected medical expenses while in the U.S. Here’s what it typically includes and excludes.
✅ What It Covers
- Emergency medical treatment for sudden illnesses or injuries
- Hospitalization and surgery
- Ambulance and urgent care services
- Emergency evacuation and repatriation (depending on plan)
- Some plans offer limited coverage for the acute onset of pre-existing conditions
❌ What It Usually Doesn’t Cover:
- Routine doctor visits or preventive care
- Planned maternity care or pregnancy-related services
- Most prescription medications (coverage may be limited)
- Long-term or chronic conditions
Some best K-1 visa health insurance plans through American Visitor Insurance offer limited coverage for the acute onset of pre-existing conditions, making them ideal for travelers with minor health concerns.
Travel Insurance Cost for K1 Visa Holders 2026
The cost of K1 visa travel insurance for travelers to the USA can start as low as $20 per month and go up to $300+ per month.
The best US visitor health insurance from K1 visa depends on:
- 👤 Age of the traveler (cost increases with age)
- 💵 Medical maximum coverage & deductible
- 📋 Type of plan (Fixed benefit vs Comprehensive coverage)
- ❤️ Visitors insurance coverage for pre-existing conditions
It is a good idea to compare different plans and get quotes from multiple providers to find the best visitors insurance coverage for your budget.
Cheapest Visitor Health Insurance for K1 Visa Holders
The most affordable visitor health insurance USA starts from $20 per month with options up to $191 per month. The average cost of fixed benefit visitor travel insurance for the USA is calculated based on one-month quotes.
| Plan Name | Plan max range | Deductible | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|---|
| Safe Travels AdvantageCheapest Plan | $25,000 - $150,000 | $0 | $20 - $58 | $39 - $102 | $60 - $166 |
| Visitors Care | $25,000 - $100,000 | $100 | $25 - $47 | $40 - $75 | $66 - $152 |
| Safe Travels Elite | $25,000 - $175,000 | $0 | $26 - $76 | $50 - $134 | $109 - $155 |
| Venbrook Essential | $25,000 - $150,000 | $0 | $26 - $81 | $49 - $124 | $68 - $147 |
| Visit USA Budget | $50,000 - $150,000 | $250 | $32 - $56 | $49 - $86 | $84 |
| VisitorSecure | $50,000 - $130,000 | $100 | $34 - $62 | $55 - $76 | $96 - $139 |
| Travel Medical USA Visitor Basic | $50,000 - $150,000 | $100 | $42 - $52 | $79 - $94 | $173 - $191 |
Cost of Comprehensive Visitor Insurance for K1 Visa Travel Insurance
The best travel insurance cost for USA ranges from $58 to $353 per month. The average cost of comprehensive travel insurance for the USA is based on one-month quotes with a $250 deductible.
| Plan name | Plan maximum | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|
| Atlas Essential | $50,000 - $1,000,000 | $58 - $109 | $131 - $266 | $263 - $328 |
| Safe Travels USA Cost Saver | $50,000 - $1,000,000 | $71 - $117 | $139 - $250 | $237 - $299 |
| Venbrook Premier | $50,000 - $1,000,000 | $77 - $135 | $176 - $346 | $352 - $437 |
| Patriot America Lite | $50,000 - $1,000,000 | $72 - $130 | $153 - $289 | $252 - $337 |
| Atlas America | $50,000 - $2,000,000 | $78 - $154 | $177 - $378 | $355 - $444 |
| Patriot America Plus | $50,000 - $1,000,000 | $77 - $139 | $164 - $311 | $287 - $434 |
| Travel Medical Basic | $50,000 - $1,000,000 | $80 - $138 | $167 - $314 | $252 - $337 |
| Safe Travels USA ComprehensiveBest Plan | $50,000 - $1,000,000 | $90 - $168 | $172 - $351 | $294 - $470 |
| SafeVista Protect | $100,000 - $1,000,000 | $93 - $127 | $215 - $248 | $320 |
| Diplomat America | $50,000 - $1,000,000 | $125 -$214 | $229 - $301 | $353 |
Top Recommended Travel Insurance for K1 Visa Holders (2026)
Based on price, coverage limits, and traveler reviews, the following plans are the Travel Insurance for K1 Visa Insueance
Cheapest Travel Insurance for K1 Visa
Safe Travels Advantage
Coverage for unexpected illnesses and injuries during short-term stays.
Max Coverage: $25,000 | Deductible: $0
- Low-cost travel medical insurance
- Medical maximum up to $150,000
- Deductible option $0
- Acute Onset: Up to the policy maximum for ages ≤ 89
Other Affordable K1 visa travel insurance are Venbrook Essential from Venbrook International and Visitors Care from IMG.
Best Travel Insurance for K1 Visa
Safe Travels USA Comprehensive
Comprehensive USA travel insurance for non-U.S. visitors
Max Coverage: $50,000 | Deductible: $0
- Top-tier travel medical insurance
- Medical maximum up to $1,000,000
- Deductible options $0-$5000
- Acute pre-existing conditions covered (under 89)
Other top recommended K1 visa travel insurance plans for visitor insurance for K1 visa include Patriot America Plus, Atlas America .
What Medical Benefits Are Included 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.
Is Health Insurance Required for a K-1 Visa?
The US State Department has directed consular officers across different embassies to consider a visa applicant’s health condition in determining whether the applicant will become a ‘public charge’ of the United States, and therefore, deemed ineligible for a visa.
- U.S. healthcare is very expensive, and even minor emergencies can cost thousands of dollars
- The U.S. citizen sponsor is financially responsible through Form I-134 (Affidavit of Support)
- Insurance helps avoid unexpected financial hardship before marriage
What Are The Health Insurance Requirements for K1 VisaHholders?
Legally, no. There is no U.S. law or K-1 visa requirement that mandates health insurance for fiancé(e)s entering the country.
- No ACA (Obamacare) Requirement: Since K1 visa holders are not permanent residents or U.S. citizens, they are not eligible for Affordable Care Act (ACA) or Obamacare plans until they obtain a Green Card.
- Short-Term Health Insurance: Many K1 visa holders opt for short-term travel medical insurance, which provides coverage for unexpected medical emergencies, doctor visits, and hospitalization.
- Coverage for Pre-Existing Conditions: Some plans may offer limited or no coverage for pre-existing conditions, so it’s important to check the policy details.
- Medical Maximum and Deductibles: Choose a plan with an adequate coverage limit and a reasonable deductible to ensure affordability.
- Transition to U.S. Health Insurance: Once married and after obtaining a Green Card, K1 visa holders can apply for ACA-compliant health insurance or employer-sponsored health plans.
💡 Tips for K-1 Visa Health Insurance
Buy K-1 Visa Health Insurance Before Arrival
With American Visitor Insurance, you can easily purchase K-1 visa health insurance online before traveling to the United States. We recommend starting coverage from thedate the fiancé(e) departs their home country or arrives in the U.S. to ensure continuous protection from day one.
Buying early helps avoid gaps in coverage and provides peace of mind during the initial stay in the U.S.Choose from the Best K-1 Visa Health Insurance Plans
American Visitor Insurance offers a wide selection of best K-1 visa health insurance plans, including both fixed-benefit and comprehensive options.
Plan prices vary based on:
- Age of the traveler
- Coverage limits selected
- Deductible amount
- Type of medical benefits included
Coverage for Pre-Existing Conditions
Some plans available through American Visitor Insurance include limited benefits for the acute onset of pre-existing conditions. If you are looking for K-1 visa insurance for pre-existing conditions, our comparison tools make it easy to review plan details and choose the right option.
Coverage varies by plan, so it’s important to review benefits carefully before purchasing.
U.S.-Based Travel Medical Insurance Is Recommended
While some international policies may offer basic coverage, U.S. travel medical insurance is generally the safest and most reliable choice for fiancé visa health insurance in the USA.
Plans offered through American Visitor Insurance:- Are accepted by U.S. healthcare providers
- Offer nationwide provider networks
- Provide clear claims and support while in the U.S.
Health Insurance After Marriage
After the marriage takes place, the K-1 visa holder may:
- Be added to a U.S. spouse’s employer health insurance plan, or
- Apply for ACA marketplace coverage after adjustment of status or receiving a Green Card
What Are The Main Factors for The Cost of K1 Visa Medical Insurance Plans?
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.
The price of visitors medical insurance is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.
Plans with higher deductibles are generally cheaper but require you to pay more out of pocket in case of a claim.
Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance.
Travel insurance depends on the coverage region. The cost for visitor health insurance for the United States is most expensive.
The longer the duration of visitor medical insurance required, the higher will be the cost.
How Can I Buy Health Insurance for K1 Visa Holders Online?
Buy K1 Visa Medical Insurance in 4 Easy Steps. Compare plans Easy, secure, and fast – get your coverage today.
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.
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 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.
8. How Long Should K-1 Visa Insurance Last?
K-1 visa health insurance should ideally last from the fiancé(e)’s arrival in the U.S. until marriage, or until the K-1 holder can:
- Be added to a spouse’s U.S. domestic health insurance plan
- Apply for ACA marketplace coverage after adjustment of status
Most travelers choose coverage for 3–6 months, but plans can extend up to 12 months depending on the expected timeline for the wedding.
9. Does K-1 Insurance Cover Pregnancy?
Most travel medical / K-1 visa insurance plans do not cover routine pregnancy care or childbirth, since these are considered pre-planned or non-emergency services.
Some plans may cover emergency pregnancy complications, but it’s important to review plan details carefully. For comprehensive maternity coverage, a K-1 visa holder would typically need to be added to a U.S. domestic plan after marriage.
10. Can a K-1 Visa Holder Get Obamacare?
No, K-1 visa holders cannot enroll in Obamacare (ACA marketplace plans) immediately because they are not permanent residents of the U.S.
11. Can Insurance Be Canceled After Marriage?
Yes, most K-1 visa medical insurance policies purchased can be canceled once the marriage occurs.
Tips for canceling:- Notify the insurance provider as soon as marriage is finalized
- Provide proof of marriage if required
- Consider keeping coverage for a short overlap period until the K-1 holder is added to a domestic plan
US Visitor Insurance Reviews
Reviews, Ratings and Experiences from our customers
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