B1 visa insurance, Health insurance for B1 Visa

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B1 Visa Insurance

01. Can B1/B2 visa apply for health insurance?

Yes, B1 and B2 Visa (Tourist Visa) applicants coming to the US on a tourist visa can buy visitors insurance for the USA. It is strongly recommended that all tourists buy the travel insurance for B1 visa since US healthcare is very expensive. Being forced to visit an US hospital without proper US visitors insurance can be financially debilitating.

02. 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.

03. 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.

B1 Visa Medical Insurance

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)

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.

B1 visa insurance Eligibility and B1 visitor insurance requirements

Eligibility for the B1 visa.

You must demonstrate the following in order to be eligible to obtain a B-1 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 B1 Visa insurance cover?

Health care expenses

Covers hospital expenses for sickness or accidents.

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Doctor visit

Insures Doctor visits for sudden injury or sickness.

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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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Medical evacuation

Medical evacuation expenses to nearest facility included.
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Repat of remains

Repatriation of remains to home country included.

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Lori Fields

Travel insurance for acute onset of pre-existing conditions

Travel insurance tips for travelers with pre-existing conditions

Here are some travel insurance tips for travelers with pre-existing conditions

  1. Choose a travel medical insurance plan that covers pre-existing conditions.
  2. Read the policy carefully to understand what is covered and what is not.
  3. Be aware of waiting periods for coverage of pre-existing conditions.
  4. Consider purchasing a US foreign national health insurance policy with higher coverage limits.
  5. Take a copy of your medical records and a list of medications with you when you travel.
  6. Be sure to take your prescription and medication with you during your trip.
  7. Learn how to access healthcare at your destination.
  8. Contact your US foreign health insurance provider immediately in case of any medical emergency.
  9. Disclose all pre-existing conditions when purchasing visitor health insurance.
  10. Follow all necessary procedures to submit a claim for reimbursement of medical expenses.

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 conditons. Any travel health insurance coverage for pre-existing conditions will depend on all these.

Pre-existing conditions coverage - FAQ's

01. 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. There are only two policies we know of that offer coverage for pre-existing medical conditions. They are INF Premier and INF Elite plans.

Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.

INF Elite (also INF Elite 90) are comprehensive plans offering fairly complete coverage. INF Premier is a fixed plan. Find details on these plans here.

The above plans must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions.

The other option, of course, is to take a plans with little ($1K) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.

02. What is the difference between Full Pre-Existing & Acute Onset Insurance?

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

03. What services are covered under visitors insurance full pre-existing coverage?

The list of covered services under Visitors insurance full pre-existing conditions coverage can be found on the American Visitor Insurance website of the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90. INF plans are open to green card holders

Travel Insurance - Pre-existing conditions coverage

Compare and buy best pre-existing plans

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.

Steps to compare and buy B1 visa health insurance online

 1: Finding the available medical insurance for B1 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




Travel Insure Logo
Policy Maximum#1
Deductible#2
trawick-international Logo
Policy Maximum#1
Deductible#2
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Patriot America Plus

PER MONTH

Pre-existing Coverage
Policy Maximum#1
Deductible#2
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Patriot Platinum

PER MONTH

Policy Maximum#1
Deductible#2
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Atlas America

PER MONTH

Policy Maximum#1
Deductible#2
Inf Logo
INF Standard

PER MONTH

Policy Maximum#1
Deductible#2
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Visitor Secure Plan A

PER MONTH

Policy Maximum#1
Deductible#2
trawick-international Logo
Safe Travels Elite Basic

PER MONTH

Policy Maximum#1
Deductible#2

#1 Maximum Coverage is the maximum eligible medical expenses that the plan will cover.


#2 Deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses.

Factors that determine the cost of US B1 Visa travel 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 the B1 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.

Best health insurance for B1/B2 visa holders - Faqs

01. 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.

02. 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.

03. 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.

04. What happens if I do not have medical insurance for B1/B2 visa?

While it is not a legal requirement to have health insurance for a B1/B2 visa, given the very cost of US healthcare, not having B1 visa travel health insurance is financially risky. Medical expenses in the United States can be exorbitant, and without insurance, you may be responsible for paying the entire cost out of pocket. It is highly recommended to have adequate B1-B2 visa health insurance to protect oneself from any unexpected medical expenses.

05. 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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Visitor visa health insurance USA

Health insurance for B1 visa holders information

B1 Insurance FAQ

Commonly asked questions about B1 Visa health insurance.

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B1 Insurance Blog

Read insurance blogs related to B1 visa holders in USA

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B1 Insurance Forum

Customer queries about insurance plans for B1 visa holders.

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