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B1 Visa Medical Insurance

What is a B1 visa for business visitors?

If you are coming to the US on a business trip you will be issued the B1 visa permit. The B1 visa permits a Six-Twelve month stay in the USA. With this visa one can travel to the USA and participate in any of these activities:

  • Consult with a business
  • Attend a scientific educational or professional convention
  • Attend a conference
  • Participate to settle an estate
  • Negotiate a contract
  • Participate in short term training
  • Transiting through the USA (Certain persons may be allowed)

Can B1/B2 Visa holders buy visitor medical insurance to the USA?

Yes, B1/B2 visa holders can and should purchase visitor medical insurance while traveling to the US specifically designed for their stay in the US meeting their requirements. It is not a mandatory requirement for obtaining and maintaining the B1/B2 visa,however it is highly recommended during the travel and stay in the US considering the highly expensive healthcare in the US. Even a minor medical emergency can result in overwhelming hospital bills and can be financially devastating without a visitor medical insurance plan. To ensure seamless protection, it is important to purchase visitor medical insurance plans.

  • Cover the entire stay duration, including the travel time.
  • Renewable in case you need to extend your stay.

American Visitor Insurance provides visitor medical insurance plans that offer coverage against:

  • Unexpected sickness and injury.
  • Emergency medical evacuation.
  • Repatriation of remains.
  • Baggage loss and damage.
  • Trip interruption.
  • Coverage for acute onset of pre-existing conditions depending on the age.
  • Plans with access to PPO provider networks (useful in reducing hospital bills by negotiating lower rates).

Buying visitor medical insurance ensures peace of mind and financial protection while you can focus on your activities in the US.

B1 Visa workers and Insurance coverage for B1 visa holders

Since healthcare is very expensive, it is important to have good work visa health insurance while in the country. We have identified work visa health insurance plans ideal for business travelers.

There are both single and multi-trip US B1 visa health insurance plans available. B1 visa travelers can compare quotes from different insurance companies in one screen and buy work visa health insurance that fits their needs best.

What are the B1 visitor insurance requirements?

Eligibility for the B1 visa.

  • The trip to USA is for the purpose of business in a legitimate nature
  • You will stay in the USA for a specific limited period of time
  • There is sufficient funds to cover your trip and stay in the USA
  • You have a residence and binding ties outside the USA and no intent of abandoning at the end of the visit.
B1 visitor insurance requirements

What does health insurance for b1 b2 visa cover?

medical_services

Health care expenses

Covers hospital expenses for sickness or accidents.

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person

Doctor visit

Insures Doctor visits for sudden injury or sickness.

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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.
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ambulance

Medical evacuation

Medical evacuation expenses to nearest facility included.
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procedure

Repat of remains

Repatriation of remains to home country included.

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American travel insurance reviews

"I am always appreciating good business conduct and when I am coming back here for the longer time span.."

Charlotte

"Thank you for your prompt response. Your prompt response will be highly appreciated.."

Shelie

"Thank you American Visitor Insurance! You went way beyond what I would expect from an insurance co.."

Lori Fields

Which pre-existing conditions are covered by US travel insurance?

How does travel insurance for pre-existing conditions work?

The travel health insurance plans which cover pre-existing conditions have clear definitions of what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions, and if it provides full coverage for pre-existing conditions the coverage limit within the policy for pre-existing conditions. Any travel health insurance coverage for pre-existing conditions will depend on all these.

How do I know if my pre-existing condition is covered by travel insurance?

Unfortunately, this simple question has a fairly complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance that can cover pre-existing conditions and even plans that are travel medical only without cancellation often are more generous in their coverage of pre-existing conditions. These plans may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.

Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition.

Travel Insurance - Pre-existing conditions coverage

Compare and buy best pre-existing plans

What are the different types of US Visitors travel insurance?

Fixed Benefit travel insurance

A fixed benefit or scheduled benefits travel insurance plan is the cheapest US travel insurance plan, however this is because the Fixed benefit travel insurance have a fixed limit of coverage for different medical benefits. Fixed benefit international travel medical insurance works well for small ailments but can be inadequate for more serious medical conditions involving hospitalisation.

Comprehensive travel insurance

Comprehensive travel insurance provide full coverage for medical expenses up to the policy medical maximum limit. As opposed to fixed benefit international travel medical 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.

What are the steps to buy the best health insurance for B1/B2 visa holders online?

1: Finding the available medical insurance for B1/B2 visa plans

Complete the health insurance quote request form by providing details of the B1 Visa holder and insurance requirements.

2: Compare the different US B1 Visa insurance options

Compare the price and the benefits of the different travel insurance for B1 Visa holders options to identify what fits your needs best.

3: Buy the best health insurance for B1 Visa that you like

Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.

4: Review the health insurance for B1 Visa plan documents received by email

Review the Visa insurance policy documents received by email closely for coverage details and relevant contact numbers.

Step by step travel insurance

How to choose the best plan for you?

  • Use the comparison tool like the one on American Visitor Insurance where you can enter your travel and stay dates, your age and the age of the person accompanying you if applicable, residential status in the US whether you are U.S. or non U.S. citizen.
  • You can choose to view the plans that have the pre-existing condition coverage available in case you need coverage for your existing condition.
  • While viewing the plans list, you can edit the input to change any of the information like the date, age, policy maximum amount or deductible to match your needs and select the right plan.
  • You can match the date of your travel and date of stay and add flexibility to extend.
  • Make sure the plan participates in the PPO network for negotiated reduced bills in hospitals.

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
Source: American Visitor Insurance®

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.

Visitor health insurance for USA

Review US visitor insurance plan benefits.

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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 are the best health insurance plans for B1 visa holders?

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

$32 PER MONTH

Age: 40 years | Plan: $50,000 | 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 up to 89 years
  • Offers coverage for green card holders visiting USA
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Visitors Care
IMG

$33 PER MONTH

Age: 40 years | Plan: $50,000 | Deductible: $100

  • Policy maximum limits ranges from $25,000 to $100,000
  • Deductible options $0, $50, $100
  • Coverage from 5 days to 2 years
  • Covers acute onset of pre-existing conditions up to 70 years
  • Emergency medical evacuation covered up to policy maximum
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VisitorSecure
WorldTrips

$44 PER MONTH

Age: 40 years | Plan: $50,000 | Deductible: $0

  • Policy maximum limits ranges from $50,000 to $130,000
  • Deductible options $0, $50, $100
  • Coverage 5 days to 12 months
  • Covers acute onset of pre-existing conditions up to 80 years
  • Emergency medical evacuation available for up to $50,000
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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

Safe Travels USA
Trawick International

$85 PER MONTH

Age: 40 years | Plan: $50,000 | Deductible: $250

  • Policy maximum limits ranges from $50,000 to $1,000,000
  • Deductible options $0 to $5,000
  • Coverage from 5 days - 364 days
  • Covers unexpected recurrence of pre-Existing condition
  • Offers optional sports activity coverage
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Venbrook Premier
Venbrook International

$77 PER MONTH

Age: 40 years | Plan: $50,000 | Deductible: $250

  • Policy maximum limits ranges from $50,000 to $1,000,000
  • Deductible options $0 to $5,000
  • Coverage from 5 days - 364 days
  • Covers acute onset of pre-existing conditions up to 70 years
  • Offers optional coverage for adventure activity coverage
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Atlas America
WorldTrips

$78 PER MONTH

Age: 40 years | Plan: $50,000 | Deductible: $250

  • Policy maximum limits ranges from $10,000 to $2,000,000
  • Deductible options $0 to $5,000
  • Coverage up to 364 days
  • Covers acute onset of pre-existing conditions up to 80 years
  • Offers coverage for complications of pregnancy.
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What are the factors that determine the cost of B1 Visa insurance plans

  • Age of the B1 visa holder: The cost of health insurance is directly proportional to the age of the applicant. The older the traveler and greater will be the cost of B1 B2 visa health insurance in USA.
  • Types of US B1 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 medical insurance for US B1 Visa is directly dependant on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.
  • Region of coverage: Travel insurance for US B1 Visa depends on the coverage region. The cost for health insurance for the United States is most expensive.
  • Duration of US Visa insurance for B1 visa: The longer the duration of medical insurance required, the higher will be the cost.
  • Any add on benefits: Additional add-on benefits to the basic travel insurance plan like adventure sports coverage, coverage for pre-existing conditions… will add to the overall cost.

Annual multi-trip travel insurance for B1 visa holders

For frequent business travelers to the United States on a B1 visa, annual travel insurance offers a convenient and cost-effective way to stay protected throughout multiple trips. This type of coverage is specifically designed to meet the unique needs of professionals who often travel for meetings, conferences and corporate engagements. Annual B1 visa insurance typically includes emergency medical coverage, trip interruption, medical evacuation and 24/7 travel assistance ensuring peace of mind without the hassle of purchasing a new policy for each visit. It’s an ideal solution for executives, consultants and entrepreneurs who value efficiency and comprehensive protection while conducting business abroad.

Best health insurance for B1/B2 visa holders Faq's

1. Where can I purchase B1-B2 visa health insurance?

B1/B2 visa health insurance can be purchased on American Visitor Insurance which works with several reputable US insurance providers that offer specially designed B1-B2 visa health insurance plans.

2. What should I consider when choosing B1-B2 visa health insurance?

When buying B1-B2 visa health insurance, consider the medical coverage limit, the co-insurance and deductible amounts, pre-existing conditions coverage, network of hospitals and doctors, claims process, customer reviews, and customer support. All of these factors can be objectively compared on American Visitor Insurance using their visitor travel insurance comparison tool. B1-B2 visa holders can compare and find the best B1-B2 visa insurance plans for their specific needs easily using this tool.

3. Is medical insurance required for a US tourist visa?

No, medical insurance is not a mandatory requirement for obtaining a US tourist visa (B2 visa). But It is highly recommended for travelers visiting the United States. Healthcare in the US is expensive, and having travel medical insurance can protect visitors from high medical costs in case of illness, injury, or emergencies during their stay. Many travel insurance plans also offer additional benefits such as trip interruption, emergency evacuation, and repatriation, providing peace of mind while traveling. Buying medical insurance is easy at American visitor insurance. On purchasing the insurance, travelers will get policy documents by Email. For more details travelers can call customer service or email the team and one of the licensed agents we will be glad to help further.

4. Can I use my home country's health insurance for my B1/B2 visa?

In most cases, your home country's domestic health insurance may not provide coverage in the United States. It is important to check with your insurance provider to see if they offer international coverage. In any event it is strongly recommended to purchase a US travel insurance plan on American Visitor Insurance which are specifically designed for B1/B2 visa holders in the US. These US travel health insurance plans work well within the US healthcare system, and hospital bills are significantly reduced for select preferred provider networks (PPO) which US travel insurance plans are a part of.

5. How long should the B1-B2 visa health insurance coverage be?

The B1-B2 visa health insurance coverage should - match the complete duration of your stay in the United States. It is advisable to have coverage to include your journey to the US and last till you travel back home to ensure continuous protection during your entire stay in the US.

6. Can I extend my B1/B2 visa health insurance if my stay is extended?

Most of the travel health insurance plans on American Visitor Insurance will allow you to extend your B1-B2 visa health insurance coverage if your stay in the United States is extended beyond the initially planned duration. However, it is important to get details about extension options on American Visitor Insurance or contact our customer support team at 877-340-7910 to confirm this and to understand the process and additional costs involved with extending the coverage.

7. Can I use B1/B2 health insurance for routine check-ups or preventive care?

No, B1/B2 visa health insurance does not provide coverage for routine check-ups or preventive care and usually has limited coverage for pre-existing conditions. B1-B2 visa health insurance mainly covers unexpected medical emergencies and accidents that occur during your stay in the United States.

Annual B1/B2 visa health insurance for frequent travel to US

Resourceful B1 visa holder insurance information

B1 Visa holder insurance resources

International travel insurance resources for B1 Visa Holders while in the US.

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Factors for B1 Visa holder insurance

Important factors to consider while buying B1 Visa medical insurance.

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Types of B1 Visa insurance options

Different US B1 Visa insurance, fixed benefits vs comprehensive coverage.

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B1 Visa insurance claims procedure

B1 Visa holder insurance claims process for medical care in hospital.

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What are the different types of US visa insurance?

Health insurance for B1 visa holders information

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