J1 Visa insurance requirements

J1 Visa Insurance cost calculator (US Exchange Scholar visa insurance)

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Medical Insurance for spouse and dependents of J1 Visa holders

Best J1 visa health insurance requirements

The US Department of State has changed the J Visa requirements for medical insurance! Here are the new requirements for the Visa:

  • The policy must provide medical benefits of at least $100,000 for each accident or illness. This refers to the policy maximum.
  • The policy must provide at least $25,000 in repatriation benefits to send the remains to the home country for burial.
  • The deductible should not exceed $500 per accident or illness.
  • The co-payment of medical expenses (the portion not covered by insurance that the insured pays him or herself) should be of no more than 25%.
  • If, because of a serious illness or injury, you must be sent home on the advice of a doctor, the policy must pay up to $50,000 for the expenses of your travel. This is referred to as emergency medical evacuation.

All J Visa holders will have to adhere to these new guidelines. Insurance companies are in the process of changing their offering to appropriately reflect these changes. Naturally, you can purchase policies with a higher maximum and higher limits than the minimums given above (many are higher in some areas) without worrying about having to make a change.

If you hold a policy for only $50,000 maximum and you are on a J1 or J2 Visa, please make sure to contact us to see how you can switch policies to meet the new higher requirement.

The US government has made temporary changes for J1 Visa guidelines due to the Covid-19 pandemic. During these stressful and unpredictable times where travel restrictions and regulations changing often. Purchasing international student insurance with Covid-19 (Add a link to )coverage is very crucial for J1 Visa students. There are several student medical insurance that provide good Coronavirus coverage. Feel free to contact us for more details!

We will be happy to make sure you are in compliance for the duration of your stay! As ever, we wish you safe, healthy, and happy travels!

Compare US J visa health insurance USA cost in 2024

How much does health insurance for US J visa cost? How much does health insurance for J visa holders cost per month?

The cost of J1 visa health insurance depends on different factors like the age of the J1 visa holder, the duration, the medical coverage, the deductible and the co-insurance for the plan. Additionally the health insurance cost in the US for J visa holders also depends on coverage for mental illness, dental expenses, hazardous sports, maternity and coverage for pre-existing ailments. The average cost of j visa insurance will be from $31 up to $130 per month. Here at American Visitor insurance we have calculated the cost of health insurance for J visa scholars to help them compare and make an informed choice while buying the plan.

J1 Visa Insurance Plans Policy Maximum Deductible Provider Network Cost *
StudentSecure Smart WorldTrips $100,000 $0 United HealthCare $32
StudentSecure Budget WorldTrips $250,000 $0 United HealthCare $53
Patriot Exchange IMG $50,000 to $500,000 $0 to $500 United HealthCare $53 - $70
Patriot America Plus IMG $50,000 - $1,000,000 $0 to $2,500 United HealthCare $54 - $108
Diplomat America Global Undewriters $50,000 - $1,000,000 $0 - $5,000 No PPO $74 - $136
Navigator Student GeoBlue Unlimited Coverage $0 $289

* The average cost of J1 Visa insurance plans is based on quotes for a 20-year-old with a duration of one month.

What does visitor travel insurance cover?

local_hospital
Health care expenses

Covers hospital expenses for sickness or accidents.

person
Doctor visit

Insures Doctor visits for sudden injury or sickness.

medication
Pharmacy drugs

Doctor prescribed eligible pharmacy drugs expenses.

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Pre-existing conditions

Some plans insure acute onset of pre-existing conditions coverage.

ambulance
Medical evacuation

Medical evacuation expenses to nearest facility included.

procedure
Repat of remains

Repatriation of remains to home country included.

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What can happen if I do not satisfy the J Visa insurance requirement?

The Department of State views health insurance as very, very important! The regulations require that your J program sponsor should terminate your status in the U.S. as a J Visa holder if you willfully fail to comply with the J Visa insurance requirement.

Is health insurance required for a J-1 visa?

Yes, health insurance is required for J-1 visa holders. The U.S. Department of State requires all participants of the J-1 visa program to have health insurance that includes specific coverage limits for medical benefits, medical evacuation, and repatriation.

When is the best time to complete J1 insurance purchase for USA health coverage?

All J visa applicants need to show proof of insurance that meets minimum J1 visa health insurance requirements when you apply for a J1 visa. It is best to complete your J1 insurance purchase on American Visitor Insurance before you start the visa application process.

Can I use the same insurance as my J-1 spouse or parent?

Yes, J-2 visa holders can often be covered by the same insurance plan as the J-1 visa holder, such as the insurance available on American Visitor Insurance or those provided by the exchange program. However, it is important to ensure that the coverage meets the health insurance for J1 and J2 visa requirements.

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