Medical insurance for F2 visa holders, Health insurance for dependents of F1 visa

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Patriot Exchange F2 visa insurance by IMG - ideal insurance plan for F2 visa holder

Patriot Exchange F2 visa insurance by IMG - ideal student health insurance for F2 visa holder Patriot Exchange offered by International Medical Group (IMG) is excellent health insurance for F1 & F2 visa holders. It is ideal because Patriot Exchange can be purchased by the F2 dependent visa holder even if the F1 student is not part of the same Patriot exchange plan, as long as he or she is covered by another plan offered by the school or educational institution.


Difference between f1 vs f2 visa

  • F1 Visa issued for full time students enrolled in any University in the US, college, high school, private elementary school, seminary or training program in the US.
  • F2 is issued for any dependents of F1 visa holder who will accompany F1 visa holder to the US. Like unmarried children under age 21 or the spouse.

Different types of US Visa travel insurance

US Fixed Benefit travel health insurance
A fixed benefit US visa insurance is the cheapest travel insurance plan option. Fixed benefit travel insurance is cheap because it has a fixed limit of coverage for different medical benefits. Fixed benefit visitor insurance works well in case of small ailments but can be inadequate in the event of a serious medical ailment or hospitalisation.
US Comprehensive travel medical insurance
Comprehensive travel medical insurance provide exhaustive coverage for health expenses up to the policy medical maximum amount. In contrast to fixed benefit medical insurance plans there are no limits for each benefit. Comprehensive travel insurance is more expensive when compared to fixed benefit plans but provides significantly better coverage in case of a medical emergency or hospitalisation.

Steps to compare and buy US travel health insurance online

Step 1: Finding the available US visa health insurance plans
Complete the travel insurance quote request form by providing details of the traveler and insurance requirements.
Step 2: Compare the different US visa insurance options
Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.
Step 3: Buy the US visa insurance that you like best
Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.
Step 4: Review the US visa insurance plan documents received by email
Review the visa insurance policy documents received by email closely for coverage details and relevant contact numbers.

Factors that determine the cost of US travel insurance plans

Age of the traveler
The cost of US Visa insurance is directly proportional to the age of the visa holder. The older the applicant and greater will be the cost of the visitors health insurance.
Type of US visa 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 US visa medical insurance is directly dependant on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.
Duration of Visa insurance
The longer the duration of visa medical insurance required, the higher will be the cost.

Medical insurance for F2 visa holders in the USA

There are so many F2 visa holders currently in the US either without proper health insurance, or having medical insurance that does not provide coverage for Coronavirus. At American Visitor Insurance, F2 visa holders can find the ideal coronavirus medical insurance plan by using the compare covid19 USA visitors insurance.

Currently the following companies are offering medical insurance which includes coverage for coronavirus.

Trawick International F2 visa insurance for Coronavirus:

Trawick international provides coverage for Coronavirus like any other illness as long as the illness did not start before buying the Trawick insurance policy. Trawick International offers Safe travel USA insurance and Safe travel USA Comprehensive insurance for coverage inside USA. These plans require pre-certification for the virus.

Seven Corners Covid US health insurance for F2 visa holders:

Liaison Travel Plus Insurance offers best Seven Corners covid health insurance for F2 visa holders in USA. The Sevencorners coronavirus health insurance treatment benefit is available for COVID19 (the disease); SARS-Cov-2 (the virus); and any mutation or variation of SARS-CoV-2.

Global Underwriters Covid19 health insurance for US F2 visa holders:

Diplomat America Insurance by Global Underwriters offers coverage for covid19 as a new sickness. It is available for Non-US citizens or residents travelling to the US. Pre-existing ailments are however excluded, which means that travelers infected before the plan effective date, will be considered as an pre-existing medica condition and will not provide coverage for that ailment.

International Medical Group Covid insurance for US F2 visa holders:

International Medical Group (IMG) Covid travel insurance offers coronavirus insurance for USA. IMG's Patriot America Plus and Patriot Platinum insurance plans cover COVID19 like any other illness. The Patriot America Plus Covid Insurance and Patriot America Platinum coronavirus insurance include COVID coverage up to the policy maximum.

World Trips Covid health insurance for F2 visa:

Atlas travel insurance with coronavirus coverage will cover eligible medical expenses resulting from COVID19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

INF Insurance US F2 visa medical insurance for Covid:

The INF travel insurance works well if you are currently uninsured or to complement an existing policy for Coronavirus coverage or if you are replacing an existing policy that does not provide adequate insurance coverage in light of the coronavirus pandemic.

US F2 visa holders can buy these INF insurance plans. INF offers two fixed benefit plans namely INF premier insurance and INF standard insurance and two comprehensive benefit plans namely INF Elite Network insurance and INF Traveler USA insurance with Covid19 coverage. These INF plans are quite affordable and many travelers and students are even buying this plan to complement their existing insurance option if they has limitations in coverage for COVID19.

Please know we are here to help you make the best, informed decision to get coverage even for COVID19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

F2 Visa Insurance - Faqs

Does US F2 visa insurance cover covid 19 for coronavirus illness coverage?

There are some USA Covid travel insurance plans available for F2 visa holders that cover covid 19 as a new illness. F2 visa Holders in USA can compare best F2 visa Covid health insurance plans and buy coronavirus coverage insurance online. These US F2 visa covid travel insurance offer coverage for medical expenses for treatment of Coronavirus treatment while in the USA.

Why is F2 visa health insurance necessary?

The F2 visa insurance is very important for dependents of F1 visa holders. When an F1 visa holder joins an US university, the F2 visa is issued to dependents (spouse and children less than 21 years). Typically US universities insist that F1 visa holder have proper student medical insurance offered by the college, however this requirement is usually not insisted on F2 visa holders either by the university or by the US immigration authorities.

Given the typical student budget of most F1 and F2 visa holders, and the fact that it is not mandatory, it is not uncommon to find them ignoring buying proper health insurance. However ignoring to buy health insurance for f2 visa holders can be a big mistake. In our experience, the F2 visa holders are typical children quite likely to need healthcare or even a young spouse who along with regular health care might need maternity coverage. Given the very high cost of US healthcare for f2 visa holders, it is really prudent to have adequate health insurance for F2 visa holders (health insurance for spouse visa).

The student insurance offered by many US universities are expensive but since it is often mandatory, F1 visa holders have to buy the University student insurance. This is often not the case for F2 visa insurance, and the F2 visa holder can buy other medical insurance outside of the University option. Here at American Visitor Insurance we offer affordable health insurance for F2 visas or spouse visa insurance. Patriot Exchange is one of the best best health insurance for f1 student's dependants which an F2 visa holder can buy even if the corresponding F1 visa holder is not enrolled in the same plan. Along with this Patriot exchange student insurance, F2 visa holders can also buy other health insurance for f2 dependent visa which are affordable and work well for F2 visa holders. F2 visa holders can buy the most appropriate medical insurance for F2 visa in USA to their specific needs by comparing different US medical insurance for f2 visa holders.

What is the best insurance for f2 visa holder?

There is no single plan which fits the bill for the being the best health insurance for F2 visa holders. The most suitable F2 Visa Medical Insurance for different customers will depend on several factors such as the budget and any existing medical ailments. However the Patriot Exchange student insurance offered by International Medical Group (IMG) is the only student medical insurance plan that F2 visa holders can buy even if the related F1 visa holder is not insured on this plan. All other student insurance plans will be available to F2 visa holder only if the F1 visa holder is also on the same student insurance policy. However F2 visa holders are eligible to buy US visitor medical insurance which work quite well for their needs.

Is it compulsory to have medical insurance for F2 visa in USA ?

Given the high cost of US healthcare, it is prudent to buy medical insurance while on a F2 visa. While an F2 visa holder cannot purchase US domestic health insurance, they can purchase US visitor health insurance for an F2 Visa holder from well reputed US insurance providers. Even if the person is already in the US on their trip, they can still purchase medical insurance for F2 visa holders starting the next day until they return home. The US F2 visa travel insurance must be purchased before anything happens in order to be covered.

Why American visitor insurance?

American Visitor Insurance works with reputed US travel insurance providers to give US visa holders a wide range of travel insurance options. Our company has two decades experience in understanding the diverse requirements of international travelers and in offering appropriate travel insurance options to them. Our typical customers range from international travelers visiting family in the US, international students, travellers on different type of US visas to USA who need insurance to satisfy visa requirements, trip cancellation customers to insurance their trip expenses, travelers looking for Covid19 travel insurance with quarantine coverage as mandated by certain countries, corporate professionals and business travelers who travel internationally regularly as well as other diverse traveling groups with unique needs. Our licensed dedicated customer support team provide service at all times helping customers find the most appropriate travel insurance for their needs as well as guide them when using the insurance in the event of a medical or travel emergency. We also provide answers to all US visa holder insurance questions, reviews of different products, testimonials for customers as well as provide an user friendly US visa insurance comparison tool where visa holders can compare different products based on price as well as the coverage benefits. All of these tools help visa holders make an informed decision while buying travel insurance.

US Medical insurance for spouse visa

Health Insurance is essential not just for F1 visa holders but also for F2 Visa holders (dependants of F1 visas). The Affordable care act, commonly known as Obamacare in fact makes it mandatory for everyone in the US to have health insurance. Even though the new Trump administration has removed the individual mandate, this comes into effect only on 31st December 2018. However F1 and F2 visa holder are not expected to satisfy Obamacare unless living in the US for more than Five years.

Irrespective of the individual mandate, it is too risky to not have proper health insurance given the high cost of US healthcare. It is therefore strongly recommended to have proper medical insurance coverage for the spouse or children of an F1 visa holder. The plans that we offer do not satisfy ACA requirement but are designed for F2 visa holders to help them handle high US healthcare costs, especially in emergency medical situations.

Student health insurance with Maternity Coverage for Dependents

Students and scholars on F or J visas have the best coverage for maternity coverage. However, the benefits have been reduced a few years ago such that the best coverage is 80% coverage of costs, so the students will have to be aware that they will be responsible for a portion of all costs. Also note that unless their wife is the J1 visa holder they will have to be the primary on the policy and the wife (with J2) will be secondary. Also note that prices are DIFFERENT for the primary and the spouse, so when students quote the prices, quote them for two people at the same time since the cost will be MUCH HIGHER for the wife's coverage.

There are five policies that cover maternity at an 80% coverage without a set limit on benefits. Here is the list in order of their approximate cost. Note that conception has to occur after the start of the plan and most plans ask that students must let them know at least three months before the delivery date.

  • Study USA Pref 300 and Pref 500 both cover maternity at a 80/70% (in network/out of network). Conception has to occur after the start of this plan.
  • Liaison Student plans Choice and Plus have a $10k limit on maternity benefits at 80/60 coverage respectively.
  • Student Secure Secure Elite, Seletc and Smart plans also cover at 80/70% to the maximum of the plan. The Select plan can be purchased with a $300k maximum, Smart plan can be purchased with a $250k maximum and the Elite can be purchased with $500k.
  • Student Health Advantage Platinum has a $5000 maximum limit to maternity and newborn care coverage. It has a $1 million maximum and a $35 deductible and covers at 80/60%. The plan also covers pre-existing conditions with a 6 month waiting period

  • Policy Maximum#1
  • Deductible#2
  • COVID19 Coverage
  • Key Features:  Acute onset of pre-existing conditions coverage of $10,000 for visitors up to 64 years and $5,000 for 65 to 74 years in USA.
  • Policy Maximum#1
  • Deductible#2
  • COVID19/Pre-existing Coverage
  • Key Features: Great coverage for a great price.
  • Policy Maximum#1
  • Deductible#2
  • Covers eligible costs related to COVID19 illness.
  • Key Features Coverage for sudden or unexpected recurrence of pre-existing conditions up to $2,500. Plan life - 5 days up to 12 months
  • Policy Maximum#1
  • Deductible#2
  • Covers eligible costs related to COVID19 illness.
  • Key Features: This plan is always eligible for purchase no matter what age and how long a person has been in the US

INF Standard


by INF inf
  • Policy Maximum#1
  • Deductible#2
  • Plan covers COVID -19
  • Key Features: This plan has a minimum purchase requirement of 30 days. Fixed benefit plan that treats Coronavirus as a new sickness
  • Policy Maximum#1
  • Deductible#2
  • Plan covers COVID -19
  • Key Features: Visitor Secure insurance as an affordable scheduled benefit plan for visitors to USA. High maximum available.
  • Policy Maximum#1
  • Deductible#2
  • Plan covers COVID -19
  • Key Features: Safe Travels Elite is a fixed benefit plan that covers COVID19 expenses and treated as any other sickness

#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.


F2 Visa Insurance Blog by Christina Longbrake
We get many international student customers that are interested in purchasing insurance for a dependent while they are on an F1 visa. The dependent, on F2 visa, can purchase insurance for themselves.

Click here to read more

F2 visa Information

  • The F2 visa is issued for dependents of F1 visa international students in the USA. This can be for a spouse or for minor children.
  • As long as the F1 visa holder remains in the USA legally the dependents with the F2 visa can also stay in the US. In other words, the F2 visa status is not valid once the principal F1 visa holder loses his or her legal visa status.
  • The law does however allow F2 visa holders to change their status within the country.

One can enjoy the following privileges on the F-2 visa

  • F2 visa holders are entitled to enter the country with his/her spouse or join him/her later.
  • Dependents with F2 visa can travel in and out of the country or stay in the US as long as the principal applicant F1 visa holder's status remains valid.

Forum Discussions

F2 Visa insurance required Documentation

A valid passport.

F2 visa applicants must prove with documents that there is sufficient financial resources to meet their expenses while in the USA. Example; bank statements, affidavits of support.

A valid Form I-20 or DS-2019. Submit this form to the International Office with all required certification. The issue date on these forms needs to be after the date of marriage in order for the spouse to apply for a visa.

A marriage or birth certificate showing the relationship to the F-1 student.

f2 visa insurance

F2 Visa Insurance Restrictions

Employment Regulations - F2 visa holders in the USA can not accept employment and earn income. In case the F2 visa holder wants to work in the US then he/she will have to get a work visa. With the work visa they can get a temporary approval to live and work in the US. It is illegal for foreigners to work in the USA without proper visa and will be expelled from the country

Studying on a F2 visa - F2 spouse are not supposed to join full time university in the USA or any part time courses toward completion of degree. F2 children are allowed to participate in full-time elementary or secondary study (kindergarten through 12th grade.)

Popular forum entries and discussions for F2 visa insurance

Best health insurance for F2 Visa holder

I’m an international student and I’m looking for insurance plans for my husband and daughter who both hold F2 Visa. The insurance plan must cover the following: Medical benefits of at least USD 100000 per accident or illness; remains repatriation coverage of at least USD 25000 per person covered, coverage for expenses associated with medical evacuation to the international student’s home country of at least 50,000 per person covered; and Deductibles that do not exceed 500 per accident or illness. Could you please let me know if there’s anything I can further pursue?

Thank you,

questionDear Yanping,

The Patriot Exchange plan is a very economical plan that can be used to meet F2 visa requirements and for international students. The plan can be purchased for the F2 visa holder as long as the F1 visa holder already has coverage from their institution. The deductible can be $500 or less with no further costs for the insured (most plans have coinsurance which still must be paid after the deductible). Also, if the institution has a health center, you can pay only a $5 copay for each visit for additional benefit and savings. You can purchase this plan with a sports rider to cover such activities such as downhill skiing. All these benefits make it a popular and excellent choice. This is the only student plan available for F2 while F1 is already on a plan. To get details for Patriot Exchange (including brochure, PPO, claims information) and to get a free quote and/or buy Patriot Exchange insurance, please visit the below link:

Please let us know if you have any further questions or concerns. We would be happy to assist you! The F2 visa holders are also eligible to purchase the visitor insurance plans.
Customer care
+1 (877) 340 7910

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