J2 Visa Insurance Forum

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Coverage for J2 visa holder who is pregnant

Hello there,
I am a 40-year-old J-1 visa scholar. I have a wife who is 38 years-old and has L-1A visa and her own health insurance via her employer now. However, she will leave the company on 3/31/2019 and is pregnant. Therefore, she will apply for a J-2 visa and subscribe to the health insurance which covers the period from 4/1/2019 to 9/30/2019. Could you make sure whether your plan meets the following conditions?

$100,000 USD per accident & illness in medical coverage.
Deductible cannot exceed $500 USD per accident or illness.
Coinsurance cannot exceed 25%.
Medical evacuation coverage must be at least $50,000 USD.
Repatriation coverage must be at least $25,000 USD.
Pre-existing conditions must be a covered benefit. The waiting period for benefit coverage cannot exceed 12 months.
Please note:Policys with coverage for only Acute onset of pre-existing conditions do not meet this requirement.
Carrier must be at least A-rated or backed by the full faith and credit of the Exchange Visitors government.

Thank you for your consideration. I am looking forward to hearing from you.
Akihiro Shimomura,

Dear Akihiro,
We do have insurance to cover J1 visa holders. However, no visitor (or J visa) plan will cover pre-existing conditions and certainly not the wellness visits needed for a pregnancy and delivery. The best option that I can think of is to extend the coverage she has now through her employer. This is a right from the HIPAA law (not sure if it applies to non-US citizens, but you can give it a shot). It allows you to continue to purchase the same insurance plan; however, the employer may no longer pay any subsidy (and can charge you 10% fee) so the cost may be higher than she was paying previously. However, that way you can get a pregnancy covered that started under that plan. This is the only way that I can think of that she can have coverage for her pregnancy.

If that previous plan does not meet all the details of the J requirement (it may not have repatriation and emergency medical evacuation); we do offer a product that ONLY covers that component, so you would not have to pay much more to meet additional requirements. You can find information on that policy here:

Plan Details Buy Now Brochure

Otherwise, you will have to pay out of pocket for all maternity costs for your wife and child. Most visitor policies will allow a child 14 days old to be added to the plan, but all care before that will also be out of pocket and plans generally do not cover wellness.
You can compare J visa coverage plans here, but note that they do not cover pre-existing conditions with no waiting period and they will ALL exclude a pregnancy that started before the start date of the policy.

Get Quote

Do let us know if you have further questions or concerns.

Sincerely,
Customer care
+1 (877) 340 7910

Insurance for J2 Visa serving as secondary insurance

Hi,
I am on J2 Visa. I needed an insurance plan for myself which is just the J2 and I want to know if I can use this insurance as the secondary plan after having my University's plan as the primary? Do these plans cover maternity and pregnancy?
Thank you,

Dear Customer,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs! Here are the links for the policy we spoke about over the phone: The plan that is available for just the J2 visa without the J1 visa being on the plan: The Patriot Exchange insurance plan is offered by International Medical Group (IMG) and provides comprehensive insurance for international students (F1 visa) and J1 visa scholars in the USA. It satisfies J visa and most US university requirements and is hugely popular. It is also a policy which a J2 visa holder can purchase without the J1 visa holder as the primary insured. If there is a health center available, the insured only pays a $5 copay instead of the $100 deductible. This and many other benefits make it a very economical and excellent choice for J visa holders. The details of the plans are available on our site at the below link:

Plan Details Buy Now Brochure

There is another plan "Student Health Advantage Platinum" that covers pregnancy. This plan needs the J1 to be the primary insured and the J2 to be the secondary insured on the same plan. This plan covers maternity and pregnancy after some waiting period. To get quote and BUY this plan, please visit the below link:

Plan Details Buy Now Brochure

You can use any of the plans as the secondary plan but the "Patriot Exchange" plan does not cover maternity. "Student Health Advantage Platinum" plan covers maternity but the J1 holder must be on the same plan as J2 to buy this plan

Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910

Does J2 Visa child insurance includes a vaccination coverage?

Hi,
The insurance of J-2 child includes the vaccine?
Thank you,

Dear Customer,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs!
The insurance plans that we market do not include coverage for vaccination and routine work.
Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910

Health insurance for wife on J2 visa

Dear customer support,
I am a J1 visa holder and have my insurance through my university. However I need insurance for my wife who has a J2 visa. I have the following questions:

I am trying to purchase the Patriot Exchange plan, will that plan work for me?
Can I buy the policy for $50,000, or should I buy $100,000?
I will be buying the policy for one year. However, if my wife returns to my country before the end of one year, can I get a refund on this policy.

Thank you,
Nasresfahani

Dear Mr Nasresfahani,
Thank you for using us for your insurance needs. Here are the answers to your questions.

I am trying to purchase the Patriot Exchange plan, will that plan work for me?
Answer: Yes, this plan will work well for you. This is the one student insurance plan which is available to J2 visa holder even if the J1 visa holder has purchased a different insurance policy.
Can I buy the policy for $50,000, or should I buy $100,000?
Answer: The J visa insurance requirement mandated by the US immigration authorities insist on a minimum coverage of $100,000. This is true for both J1 and J2 visa holders, hence you have to buy a policy with a minimum of $100,000 to satisfy J visa regulation.
I will be buying the policy for one year. However, if my wife returns to my country before the end of one year, can I get a refund on this policy.
Answer: Yes, you will get a pro rata refund for the unused period of the insurance plan.

Regards,
Customer care
+1 (877) 340 7910

Patriot Exchange satisfying insurance requirements

Hi,
I want to know if it is ok of the following insurance for J2 visa. Thank you!
Medical Coverage Information

Product: Patriot Exchange Program
Product Type, Travel Medical
Application Type 0115A
Maximum Limit -100,000.00 USD
Deductible- 100.00 USD
Length of Coverage - 3 Month(s)

Regards,
Mingjin Yang

Dear Mingjin,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs!
Yes. Patriot Exchange plan is very much suitable for J2 Visa holders. It is the only plan that can be purchased by the J2 holders alone.
Here are the details of the plan on our product page for your reference:

Plan Details Buy Now

The maximum limit of $100,000 and deductible of $100 and length of coverage of 3 months is all fine.
Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910

Health insurance for wife who is pregnant

Dear Sir,
I am from india and I am going to USA (Ohio) on January 2016 with my wife, I will join as a postdoc researcher. Now my wife is pregnant 2 months. I have queries on health insurance, Can you help me, that whether the delivery cost is covered in health insurance or not. she will deliver baby on month of June-July 2016. I have J1 VISA.
Thank you
Santosh

Dear Sir,
We sell insurance for visitors to the US and specifically for the J visa (J1 and J2); however, since your wife is already pregnant, no insurance will cover the wellness checks and birth of the child. We can help you find insurance to meet the visa requirements, bot that aspect of care will not be covered.
There is one plan we sell that covers complications of pregnancy in the first 26 weeks of gestation only. Obviously, it is insurance you hope you do not need. It also satisfies the J requirements (buy at least a $100,000 maximum plan; I recommend higher). I will put the information links for it below in case you are interested in it:

Buy Now Brochure

Regards,
Customer care
+1 (877) 340 7910

Insurance Coverage for maternity and child delivery

Hi There,
I'm a j1 phd student. I'm trying to find the best insurance insurance option for my wife (j2 visa) which also cover maternity (from pregnancy to child delivery), at a reasonable price. We are both italian citizens and we are both already in the us. I was looking at the Student Health Advantage plan and was wondering how much would it cost. I need insurance only for J2.
Thanks a lot
Andrea

Dear Andrea Rovinelli,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs!
Student Health Advantage is not suitable for your situation as you need insurance for only J2 and J1 is already covered.
We have a plan that is available only for J2 but this plan does not cover maternity and child delivery. You can opt for the global plans in IMG that will cover maternity and child birth.
Here are the details:

GLOBAL MEDICAL SILVER from IMG: Plan Details

This plan is a long-term, fixed benefit medical insurance plan that may be renewed yearly. The plan provides Non-US citizens and US expatriates with excellent coverage outside their home country with a lifetime policy limit of $5,000,000.

GLOBAL MEDICAL GOLD from IMG: Plan Details

This Insurance plan is a long-term, comprehensive benefit insurance plan designed for a traveler seeking major medical coverage for a limited amount of time. The plan provides comprehensive benefits for the initial three years of coverage after which some benefits are reduced. The plan has a lifetime policy limit of $5,000,000.

If you are not concerned about maternity and child birth, then we have a popular plan for J2 Visa holders only:

PATRIOT EXCHANGE from IMG: Plan Details Buy Now

Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910

J2 visa insurance for husband and baby

Hello,
My sister is coming to US on J1 Visa. Her husband and baby are coming to US on J2 Visa. Her husband is 26 years old and the baby is 1 year old. Is there a plan that is available for her husband and child? My sister has a plan already.
Thanks for your time,
Liliana

Dear Liliana,
Thank you for contacting us at America Visitor Insurance for your needs!
The Patriot Exchange insurance plan offered by International Medical Group (IMG) provides comprehensive insurance coverage for people traveling outside their home country. It very popular among J1 visa holder and their dependents. This plan is also suitable for J2 visa holder without the J1 visa holder as the primary insured. If there is a health center available, the insured only pays a $5 copay instead of the $100 deductible.

Buy Now Brochure

Feel free to call or email us with any questions or comments you may have.

Regards,
Customer care
+1 (877) 340 7910

Free Medical coverage for child below 10 years

Dear Sir/Madam,
I am a J1 visa holder, who got the A.S.P.E. health insurance and I would like to get insurance for my daughter (7 year-old) for the whole period and for my husband (41 years old) - starting with 3 months and then with add-on. However, I am not sure if I meet your following criteria "J2: applicant is only eligible for this plan if the J1 visa holder has purchased a plan through his or her education or cultural program". Do u have any other suggestion ?I'd like to know more about having children for free.
Could you please clear that up, considering I have A.S.P.E.?
Yours faithfully,
Ana Nascimento

Dear Ana,
Thank you for contacting us at American Visitor Insurance for your travel health! I am guessing that as a J1 visa holder, you have medical coverage through your institution. If that is the case, then you can purchase the Patriot Exchange by IMG. Please note that you will not be able to change anything with the coverage such as "add on"

Plan Details Buy Now Brochure

If you are purchasing the policy for different dates for your husband and child then in your case you are going to have to purchase separate policies for your husband and child (so no one will be free) since they have different travel dates. The best policy is probably the Patriot Exchange with no coinsurance payment (Atlas has a 20% coinsurance outside their PPO network - that is a group of hospitals/doctors they work with - or 0% in their network). It's up to you which you think will be best. The Atlas plan can be purchased for however many days you need while the Patriot Exchange must be purchased for whole months only.
Here is our information on the Atlas plan from HCCMIS for your reference:

Plan Details Buy Now Brochure

If you have further questions, please let us know. We are here to try to make this as clear and easy for you as possible!

Regards,
Customer care
+1 (877) 340 7910

Health insurance for J2 visa holders

Hi,
I am on J1 Visa and my wife and daughter are on J2. I have the ASPE healthplan from the American University Washington DC. I need health insurance for my wife and daughter alone. I will be coming to Rockville, Maryland. Is there a suitable plan for my situation?
Thanks,
Oscar

Dear Oscar,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs! Patriot Exchange plan from IMG is best suitable and is only plan that provides coverage for J2 visa alone when J1 visa has coverage available already from the University. The plan cannot be purchased while physically in Maryland, but the plan does provide coverage in Maryland and anywhere outside your home country. To buy this plan, you should buy it while outside Maryland and use your Non US mailing and billing address.

Plan Details Buy Now Brochure

Regards,
Customer care
+1 (877) 340 7910

J2 visa insurance satisfying the latest visa requirements

Hi,
I am a visiting scholar of the Dept Parks, Recreation and Tourism Management, North Carolina State University from 18 June to 17 Sep 2015. Since I already have insurance to cover the J1 enquiry in Taiwan, I wonder if I can buy one for my son of ten years old alone who holds a J2 visa.
The enquiry of the Department of State on health insurance is as following, Effective May 15, 2015, minimum coverage amounts are US$100,000 per accident or illness; US$50,000 provision for medical evacuation; and US$25,000 maximum repatriation coverage, with a US$500 maximum deductible.
Thanks for your attention. Your prompt response will be very appreciated.
Thank you!
DJ

Dear Customer,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs!
Here is one plan suitable for J1 visa and J2 visa and this is the plan that can be purchased for J2 alone.
PATRIOT EXCHANGE from IMG:
The Patriot Exchange insurance plan offered by International Medical Group (IMG) provides comprehensive insurance for international students (F1 visa) and J1 visa scholars in the USA. It satisfies J1 visa and most US university requirements and is hugely popular. This plan can be purchased for J2 alone. For a complete information on the policy, including brochure and pricing, please check these links.

Buy Now Brochure

Regards,
Customer care
+1 (877) 340 7910

Health insurance satisfying J2 visa insurance requirements

Hi,
So I am going to the US for 1 year with my spouse. My insurance is covered within my program but we need to purchase an insurance for him as well for the J2 visa application. Can we do that with you?
I was looking into this Patriot Exchange option. I saw that it has all the minimum requirements but the application also mentions this:
The policy must, at minimum, be underwritten by an insurance corporation having at least one of the following:
A.M. Best rating of "A-" or above Insurance Solvency International, Ltd. (ISI) rating of "A-" or above Standard & Poor's claims-paying ability rating of "A-" or above Weiss Research, Inc. rating of "B+" or above and I didn't find anything about it. Can you please help me with this?
Kind regards,
Beatrix

Dear Beatrix,
The Patriot Exchange is a perfect plan for the J2 visa holder. It has an "A" rating with AM Best. You can find all the information for this plan here:

Plan Details Buy Now Brochure

Regards,
Customer care
+1 (877) 340 7910

Buying J2 visa insurance separately

Hi,
I am a J1 scholar and my institution is covering my medical insurance while I’m in the US. However, my spouse and child will be here with me and I need insurance for them. Can a J2 individual purchase insurance?
Thank you!

Dear Customer,
This is a relatively common situation for individuals with some institutions. Usually, the J1 scholar must be the primary insured on most policies. However, the Patriot Exchange plan offered by International Medical Group (IMG) will allow for the J2 spouse and/or dependents to purchase insurance under these circumstances. The Patriot Exchange is a very economical policy with many good benefits which I often recommend even to J1 scholars.
One advantage of the policy is that if the insured has access to a health center, they only pay a $5 copay (instead of the usual $100 deductible). As a copay, this is payable at EACH visit, however, even several visits will be cheaper than the $100 deductible. A disadvantage to the policy is that there is no maternity coverage and no coverage for pre-existing conditions. For a complete information on the policy, including brochure and pricing, please check these links.

Buy Now Brochure

As always, we encourage you to consult one of our licensed agents to help you wade through the options if there are any concerns or questions. And, as ever, we wish you safe and happy travels!

Regards,
Customer care
+1 (877) 340 7910

Insurance for J2 visa holder

Hi,
Need to buy insurance just for J2 holder.
Thank you!
Zivadin

Dear Zivadin,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs! If you only need coverage for J2 visa holders, you will have to use "Visitor Insurance" options which you can find on our website at:

Visitor Medical Compare

Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910

Receiving the fulfillment kit after buying Patriot Exchange Online

Hi,
I want to buy patriot exchange program for a J2 Visa holder. I want to know if I buy it online, and select receive the fulfillment kit via email, usually how long it will take from submit application to receive the fulfillment kit?
Thanks
Jing

Dear Chamnanni ,
The plan is instantly approved so you will receive the online confirmation the same day. If you choose the HARD COPY version it usually takes between 5 to 8 BUSINESS days to reach an address in the USA.

Regards,
Customer care
+1 (877) 340 7910

Health insurance plans for J2 Visa holders

I am holder of JI visa and I have a medical insurance at the university I am attending paid by my sponsor. However I need to purchase medical insurance for my husband who is a J2. On your website, it seems that I have to purchase for both of us. How do I proceed to get a quote for my husband only.
Regards
Zadia Codabux

Dear Zadia,
You are correct. Since your husband is not a student, he is not eligible for the student or visiting scholar policies. You will have to purchase a visitor insurance policy for him. Make sure that you meet any requirements you may have. If you need help with that, email us back or give us a call. Here is the general link to get a quote of available policies.

Visitors's medical compare

Regards,
Customer care
+1 (877) 340 7910

Health insurance plans for J2 Visa holders

Hi,
I'm going to buy a travel policy for my spouse (she is getting J2 visa), but now it is almost for sure that my travel dates will change. Could you please advise if it is a problem if change policy dates required after policy purchased? What is the fee amount for that? And one more thing: a signature of organization provided the policy required for my sponsor. Could you sign on my CV copy and send it back to me after policy purchased?
Thank you,
Konstantin

Dear Konstantin,
If you think that your travel dates will change after you purchase our plan, then all you have to do is send a request to change the dates on your policy. It is free of charge but you may have to pay extra if you need additional days of coverage. After your purchase, you will receive an online fulfillment showing your proof of coverage.

To view the eligible plans please go to our compare facility at: Visitors's medical compare

Fill in the information requested, hit 'Get Quote' and you will be able to get quotes of eligible policies. Along with comparing quotes, you can review the detailed plan brochure as well as purchase the selected policy online.
Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910

Health Insurance coverage only for J2 Visa holders

Hi,
Can the health insurance only cover J2?
Thank you,
Jinliang

Dear Jinliang,
Thank you for contacting us for your travel health insurance needs! If you only need coverage for J2 visa holders, you will have to use "Visitor Insurance" options which you can find below:

Visitors Medical Compare

Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910