Best J-1 Visa Health Insurance Reviews
Compare the best J-1 Visa health insurance plans with the help of verified customer reviews. Explore plans from leading insurance providers, compare coverage, benefits, deductibles, policy maximums, and premiums, and find a plan that meets the J-1 Visa health insurance requirements for exchange visitors in the United States.
Whether you're a student, research scholar, professor, intern, trainee, teacher, physician, or au pair participating in a J-1 Exchange Visitor Program, you can compare J-1 compliant insurance plans, read genuine customer experiences, and purchase coverage online with confidence before or during your stay in the USA.
Best J-1 Visa Health Insurance Reviews
Reviews, ratings and experiences from our customers.
"I had a no-problem trip but Seven corners was easy to deal with in the securing of the travel insurance and dealing with a few issues prior to departure."
"I have always gotten a quick response with a live person. I placed a claim, we will see it their payment to me is as good as their customer service is."
"Good policy options and pricing. Like to purchase high coverage for medical without covering full cost of trips - like the options Seven Corners provides."
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What Are the Best J1 Visa Insurance for the USA?
International Medical Group (IMG) J Visa insurance Reviews
- AM Best Rating: A (Excellent)
- Plan Life: 5 days to 364 days
- Underwriter: Sirius International
- Acute Onset of Pre-existing Conditions: Covers up to age 70 years.
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Coinsurance:
In Network: Plan pays 100% up to policy maximum.
Out of Network: Plan pays 80% of eligible expenses up to $5,000, then 100% up to the policy maximum. - Direct Billing: Through First Health Care Network or UnitedHealthcare.
- Medical Evacuation: Up to $50,000.
- Offers extensive medical coverage including hospitalization and emergency medical evacuation.
- Coverage limits from $50,000 to $1,000,000.
- Pays 100% of eligible expenses inside the UnitedHealthcare PPO network after the deductible.
- Out-of-network claims pay 80% up to $5,000 before increasing to 100%.
- No coverage for chronic or congenital conditions.
- Acute onset of pre-existing conditions is subject to eligibility requirements.
- AM Best Rating: A- (Excellent)
- Plan Life: 12 Months
- Underwriter: Sirius International Insurance
- Pre-existing Condition Coverage: $1,500 lifetime maximum.
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Coinsurance:
In Network: Plan pays 90%, insured pays 10%.
Out of Network: Plan pays 80%, insured pays 20%. - Direct Billing: Through UnitedHealthcare.
- Medical Evacuation: Up to $50,000.
- Includes medical evacuation, repatriation, and emergency reunion benefits.
- Renewable for up to 48 months.
- Optional Adventure Sports coverage is available.
- Does not provide pregnancy coverage.
- Cannot be renewed if initially purchased for less than one month.
- AM Best Rating: A- (Excellent)
- Plan Life: Up to 5 years
- Underwriter: SiriusPoint Specialty Insurance
- Pre-existing Conditions: 12-month waiting period.
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Coinsurance:
In Network: Plan pays 90%, insured pays 10%.
Out of Network: Plan pays 80%, insured pays 20%. - Direct Billing: Through UnitedHealthcare.
- Medical Evacuation: Up to $500,000.
- Meets international student visa insurance requirements.
- Available for J1/J2, F1/F2, M1/M2, and A1/A2 visa holders.
- Optional Adventure Sports Rider available up to age 65.
- 12-month waiting period for pre-existing condition coverage.
- To renew up to 12 months, the initial policy must be purchased for at least 3 months.
WorldTrips J Visa insurance Reviews
- AM Best Rating: A++ (Superior)
- Plan Life: 5 days to 364 days
- Underwriter: Lloyd's
- PPO Network: UnitedHealthcare PPO Network
- Acute Onset of Pre-existing Conditions: Up to $25,000 lifetime maximum.
- Medical Evacuation: Up to the lifetime maximum.
- Available in four plan levels: Elite, Select, Budget, and Smart.
- Renewable online for up to 4 years.
- Covers AD&D, emergency medical evacuation, repatriation, emergency reunion, terrorism, and intercollegiate or club sports.
- Monthly payment option available.
- No refund after 60 days from the policy effective date.
- Six-month waiting period for pre-existing condition coverage.
- Dependent coverage is not available.
- AM Best Rating: A++ (Superior)
- Plan Life: 5 days to 364 days
- Underwriter: Lloyd's
- Acute Onset of Pre-existing Conditions: Up to $25,000 lifetime maximum.
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Coinsurance:
In Network: Plan pays 80% of the next $100,000 of eligible expenses after the deductible, then 100% up to the overall maximum limit.
Out of Network: After the deductible, the plan pays 100% of eligible expenses up to the overall maximum limit. - Direct Billing: Through UnitedHealthcare.
- Medical Evacuation: Up to the lifetime maximum.
- Available in four plan levels: Elite, Select, Budget, and Smart.
- Renewable online for up to 4 years.
- Covers AD&D, emergency medical evacuation, repatriation, emergency reunion, terrorism, and intercollegiate or club sports.
- Convenient monthly payment option available.
- No refund after 60 days from the policy effective date.
- Six-month waiting period for pre-existing condition coverage.
- Dependent coverage is not available.
- AM Best Rating: A++ (Superior)
- Plan Life: 5 days to 364 days
- Underwriter: Lloyd's
- Acute Onset of Pre-existing Conditions: Up to $25,000 lifetime maximum.
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Coinsurance:
In Network: Plan pays 80% of the next $45,000 of eligible expenses after the deductible, then 100% up to the overall maximum limit.
Out of Network: After the deductible, the plan pays 100% of eligible expenses up to the overall maximum limit. - Direct Billing: Through UnitedHealthcare.
- Medical Evacuation: Up to the lifetime maximum.
- Available in four plan levels: Elite, Select, Budget, and Smart.
- Renewable online for up to 4 years.
- Covers accidental death & dismemberment (AD&D), emergency medical evacuation, repatriation, emergency reunion, terrorism, and intercollegiate or club sports.
- Convenient monthly payment option available.
- No refund after 60 days from the policy effective date.
- Six-month waiting period for pre-existing condition coverage.
- Dependent coverage is not available.
- AM Best Rating: A++ (Superior)
- Plan Life: 5 days to 364 days
- Underwriter: Lloyd's
- Acute Onset of Pre-existing Conditions: Up to $25,000 lifetime maximum.
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Coinsurance:
In Network: Plan pays 80% of the next $25,000 of eligible expenses after the deductible, then 100% up to the overall maximum limit.
Out of Network: After the deductible, the plan pays 100% of eligible expenses up to the overall maximum limit. - Direct Billing: Through UnitedHealthcare.
- Medical Evacuation: Up to the lifetime maximum.
- Available in four coverage levels: Elite, Select, Budget, and Smart.
- Renewable online for up to 4 years.
- Covers accidental death & dismemberment (AD&D), emergency medical evacuation, repatriation, emergency reunion, terrorism, and intercollegiate or club sports.
- Monthly payment option available.
- No refund after 60 days from the policy effective date.
- Six-month waiting period for pre-existing condition coverage.
- Dependent coverage is not available.
- AM Best Rating: A++ (Superior)
- Plan Life: 5 days to 364 days
- Underwriter: Lloyd's
- Acute Onset of Pre-existing Conditions: Up to $25,000 lifetime maximum.
-
Coinsurance:
In Network: Plan pays 80% of the next $10,000 of eligible expenses after the deductible, then 100% up to the overall maximum limit.
Out of Network: After the deductible, the plan pays 100% of eligible expenses up to the overall maximum limit. - Direct Billing: Through UnitedHealthcare.
- Medical Evacuation: Up to the lifetime maximum.
- Available in four coverage levels: Elite, Select, Budget, and Smart.
- Renewable online for up to 4 years.
- Covers accidental death & dismemberment (AD&D), emergency medical evacuation, repatriation, emergency reunion, terrorism, and intercollegiate or club sports.
- Convenient monthly payment option available.
- No refund after 60 days from the policy effective date.
- Six-month waiting period for pre-existing condition coverage.
- Dependent coverage is not available.
Global Underwriters J Visa insurance Reviews
- AM Best Rating: A (Excellent)
- Plan Life: 15 days to 365 days
- Underwriter: Crum & Forster, SPC
- Pre-existing Conditions: Covered after a 24-month waiting period
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Coinsurance:
In Network: Pays 80% of eligible expenses up to $5,000, then 100% up to the selected policy maximum.
Out of Network: Pays 80% of eligible expenses up to $5,000, then 100% up to the selected policy maximum. - Direct Billing: No PPO Network
- Medical Evacuation: Up to $250,000
- Includes Emergency Medical Evacuation, Repatriation of Remains, AD&D, Trip Interruption and Emergency Dental benefits.
- Pays 80% of covered expenses up to $5,000, then 100% up to the selected policy maximum.
- Not available for travelers outside the USA.
- Pre-existing medical conditions are excluded if they existed during the 24 months prior to the policy effective date.
J-1 Visa Health Insurance Requirements
The U.S. Department of State requires the following health insurance requirements to ensure adequate coverage during their stay in the United States.
- Medical Expenses: Provides coverage for hospitalization, outpatient expenses, prescription medications with a minimum coverage of $100,000 per incident.
- Emergency Medical Evacuation: Provides at least $50,000 coverage for transportation expenses to a medical facility in case of emergencies.
- Repatriation of Remains: Offers a minimum of $25,000 coverage for return of mortal remains to return to the home country in case of death.
- Accidental Death and Dismemberment: Provides the covered benefits in case of accidental death and dismemberment.
- Mental Health Coverage: Includes coverage for mental health related expenses.
- Pre-existing conditions: Most of the plans include coverage for acute onset of pre-existing conditions.
- PPO Network: If the services received are within the PPO network for an incident, then the chance of direct billing is greater.
- Deductibles: Should not exceed $500 per accident or illness.
Additionally, the insurance provider must be licensed by the state or have a financial rating that meets Department of State standards (an A- or above rating by AM Best or a similar rating by a recognized agency). These requirements ensure J-1 Visa holders are adequately protected during their stay in the U.S.
J Visa Health Insurance and J Visa Letter
The J1 exchange scholar insurance is specially for J1 Visa holders and their dependents who would live in the US for one year or even less. Affordable J1 scholar health insurance offer special coverage for acute onset of pre-existing conditions, maternity, injuries while taking part in sports, drug abuse and mental illness. By satisfying the requirements of US J1 Visa consular needs, these comprehensive plans also offer coverage for trip interruption, baggage loss, passport loss and much more.
While applying for J1 visa, the consulate would ask you to provide the proof of insurance coverage for your entire stay in US. After buying the J Visa evacuation and repatriation insurance, you may have to contact the insurance company for the J1 Visa letter, We will send the Visa letter as soon as we receive the payment confirmation. Therefore while you are preparing for the Visa interview, you will have the J1 Visa letter ready.
How Much Does J-1 Visa Insurance Cost?
The cost of j1 visa scholars starts from $30 per month and goes up to $730 per month. The cost is dependent on the age of the student, the plan maximum and the deductible.
J1 Visa insurance cost
| Plan Name | Maximum Coverage | Deductible | 18 – 24 Years | 25 – 30 Years | 31 – 40 Years |
|---|---|---|---|---|---|
| Student Journey Lite | $150,000 | $100 | $30 | $48 | $74 |
| Student Secure Smart | $200,000 | $0 | $32 | $67 | $167 |
| Student Journey Plus | $300,000 | $500 | $53 | $93 | $116 |
| Student Secure Budget | $500,000 | $0 | $53 | $100 | $236 |
| Patriot Exchange Program | $50,000 | $250 | $56 | $74 | $74 |
| Student Journey Platinum | $500,000 | $250 | $96 | $195 | $293 |
| Student Health Advantage Standard | $500,000 | $250 | $118 | $139 | $250 |
| Student Secure Select | $1,000,000 | $0 | $106 | $240 | $538 |
| Student Health Advantage Platinum | $1,000,000 | $100 | $353 | $408 | $730 |
The average cost of students based on the quotes for month. Source: American Visitor Insurance®
How Hard Is It to Get a J-1 Visa?
A J-1 Visa can be relatively easy to obtain if you meet the eligibility requirements for an approved exchange visitor program. Applicants must demonstrate sufficient financial support, maintain ties to their home country, and provide all required documentation.
The application process typically includes completing the DS-2019 form, paying the required fees, attending a U.S. Embassy or Consulate interview, and successfully passing security and eligibility checks. Preparing accurate documents in advance can help make the process smoother.
View J-1 Visa RequirementsWhat Is a J-1 Visa Interview?
A J-1 Visa interview is an important step in the exchange visitor visa application process. During the interview, a U.S. consular officer evaluates whether you qualify for the J-1 Visa and whether you intend to participate in an approved exchange program.
Applicants should be prepared to discuss their exchange program, educational or professional background, financial support, and ties to their home country. The officer will also review documents such as your DS-2019 form, passport, and any additional supporting paperwork before making a visa decision.
J-1 Visa Insurance FAQs
Individuals who are coming to the US on J1 and J2 visas are eligible to purchase the Exchange Visitor Insurance plans. Here are the details:
- J1 Visa holders: Anyone who is participating in the US Department of State approved Exchange Visitor Programs, such as Students, Scholars, Researchers, Teachers and au pairs.
- J2 Visa holders: The spouse and children who are the dependents of the J1 Visa holder on J2 Visas are eligible.
- Program sponsors: Some programs require specific insurance coverage as part of their sponsorship and participants must ensure that these requirements are met.
At American Visitor Insurance we offer best J1 Visa health insurance quotes which satisfy the U.S. Department of State J Visa requirements. J1 Visa holder need to input their age, duration of stay, and any specific needs. They can compare the features, deductibles, and J1 Visa insurance cost to find the plan that fits your requirements. While choosing USA health insurance for J Visa also ensure that the plan satisfies the minimum coverage mandated by U.S. law.
Exclusions are the situations or conditions that are not covered by your J Visa medical insurance plan. For example, some plans may exclude pre-existing medical conditions, maternity care, mental health disorders, substance abuse, sports injuries, etc. You should compare the best J1 Visa health insurance benefits on American Visitor Insurance and read the policy certificate carefully to understand what is excluded from your coverage.
If you need to file a claim for your J1 Visa health insurance, you should follow these steps:
- Contact your insurance company as soon as possible and inform them about your situation.
- Fill out the claim form and attach any supporting documents, such as receipts, bills, medical reports, etc.
- Submit the claim form and documents to your insurance company by mail, fax, email, or online portal.
- Wait for your claim to be processed and approved by your insurance company.
- Receive your reimbursement or payment from your insurance company.
How Can I Find the Right Insurance to Meet J Visa Insurance Requirements?
Getting a policy to satisfy J Visa requirements is easy at America Visitor Insurance! You can simply use our Best J Visa health insurance compare engine, enter ages of J Visa holders and the dates you need the insurance. There are J1 Visa insurance options available, all of which will provide a ‘visa letter’ that you can submit to show you have insurance that meets their requirements.
If you only need insurance for dependents because your institution is covering your own insurance (as J1, so you only need for J2 dependents), then, you can opt for the Patriot Exchange plan which allows the J2 dependents to be ‘alone’ (without the J1 person) on their own policy. Most other companies will require the J1 to be the ‘primary’ insured on the policy. Note that you will have to pay up front for all the dates you sign up for as a one-time payment.
What Are the Advantages of Buying U.S. Plans to Meet J Visa Insurance Requirements?
- US insurance plans have better recognition within the USA as opposed to plans purchased in your home country.
- J1 health Insurance claims are settled in US dollars and directly billed if services are used within the insurance PPO network.
Medical Insurance for J Visa Holders in the USA
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Popular J-1 Visa Insurance Plans
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Know MoreHelpful J Visa Insurance Resources
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Know MoreJ-1 Visa Insurance Blog
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Know MoreJ-1 Visa Insurance Forum
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Know MoreJ-1 Visa Insurance Reviews
Read verified customer reviews and experiences before choosing a J-1 Visa insurance plan.
Know MoreJ Visa Health Insurance for Top US Colleges & Universities
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Which Are The Best Insurance Companies For J1 Visa Health Insurance?
You can find reliable best J1 Visa health insurance providers through American Visitor Insurance - including International Medical Group (IMG), WorldTrips, Global Underwriters, Geoblue and BlueCross BlueShield (BCBS)
