What is K Visa Insurance USA?
K-1 (fiancé/fiancée) visa insurance is a type of travel medical insurance designed for individuals entering the United States on a K-1 fiancé(e) visa or related K visas. The K-1 visa allows a foreign fiancé(e) of a U.S. citizen to enter the U.S. for 90 days to get married. During this period, K-1 visa holders are considered visitors, not residents, and therefore cannot enroll in U.S. domestic health insurance.
Because K-visa holders do not yet qualify for ACA (Obamacare), Medicaid, or employer plans, K-visa insurance provides temporary medical coverage until they marry and apply for Adjustment of Status.
K-1 Visa Medical Insurance typically includes coverage for:
- Doctor's visits/urgent care
- Emergency Room Services
- Hospitalization
- Ambulance Services
- Medical Emergencies Related to Travel
- Acute Onset COVID-19 and/or Pre-Existing Conditions (depending on the plan)
K-1 Visa Insurance protects travelers from the high cost of U.S. healthcare, providing a sense of security and comfort in the event of an unexpected medical situation during their first several weeks in the U.S. At American Visitor Insurance, you can easily compare K-visa insurance plans, review benefits side-by-side, and purchase the right coverage for your stay in the USA.
What Does Travel Medical Insurance for K1 Visa Cover?
- Health care expenses: Covers hospital expenses for sickness or accidents.
- Doctor visit: Insures Doctor visits for sudden injury or sickness.
- Pharmacy drugs: Doctor prescribed eligible pharmacy drugs expenses.
- Pre-existing conditions: Some plans insure acute onset of pre-existing conditions.
- Medical evacuation: Medical evacuation expenses to nearest facility included.
- Repat of remains: Repatriation of remains to home country included.
Which Is the Cheapest Medical Insurance for K Visa Holders in the USA?
Other affordable travel insurance for the US are Venbrook Essential from Venbrook International and Visitors Care from IMG.
* The price shown is for a 30-day trip with a $25,000 maximum coverage and a $0 deductible for a 40-year-old traveler.
How Much Does Fiancé Visa Health Insurance Cost in the USA?
The cost of visitor insurance depends on several factors:
- 👤 Age of the traveler (cost increases with age)
- 💵 Medical maximum coverage & deductible
- 📋 Visitors coverage type (Fixed benefit vs Comprehensive coverage)
- ❤️ Visitors insurance coverage for pre-existing conditions
For an average traveler, there are cheap travel insurance plans at less than a dollar a day.
Fixed vs Comprehensive Visitor Insurance Plans
- The cheapest visitor health insurance USA is a fixed benefit plan because it only covers a set amount for each medical expense.
- Within these parameters, travelers can choose:
- An economical fixed plan
- A more expensive but complete comprehensive plan
- Downside of fixed plans: You only know what the insurance company will pay on your behalf; the amount you owe depends on the charges for each service.
- The price of the best visitors insurance for USA is approximate and can change based on specific needs and circumstances.
- It is a good idea to compare different plans and get quotes from multiple providers to find the best visitors insurance coverage for your budget.
- Someone in their Thirties will pay about $40 per month for a fixed plan or $60 for a comprehensive plan if traveling to USA from Europe.
- That same person would only pay $30 for a comprehensive plan to go to Europe.
- Prices usually double for someone in their 60s, and increase further for older travelers.
How Much Does the Most Affordable Visitors Insurance for USA Cost?
The most affordable visitor health insurance USA starts from $20 per month with options up to $191 per month. The average cost of fixed benefit visitor travel insurance for the USA is calculated based on one-month quotes.
| Plan Name | Plan max range | Deductible | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|---|
| Safe Travels Advantage | $25,000 - $150,000 | $0 | $20 - $58 | $39 - $102 | $60 - $166 |
| Visitors Care | $25,000 - $100,000 | $100 | $25 - $47 | $40 - $75 | $66 - $152 |
| Safe Travels Elite | $25,000 - $175,000 | $0 | $26 - $76 | $50 - $134 | $109 - $155 |
| Venbrook Essential | $25,000 - $150,000 | $0 | $26 - $81 | $49 - $124 | $68 - $147 |
| Visit USA Budget | $50,000 - $150,000 | $250 | $32 - $56 | $49 - $86 | $84 |
| VisitorSecure | $50,000 - $130,000 | $100 | $34 - $62 | $55 - $76 | $96 - $139 |
| Travel Medical USA Visitor Basic | $50,000 - $150,000 | $100 | $42 - $52 | $79 - $94 | $173 - $191 |
How Much Does the Comprehensive and Best Visitors Insurance Cost Per Month?
The best travel insurance cost for USA ranges from $58 to $353 per month. The average cost of comprehensive travel insurance for the USA is based on one-month quotes with a $250 deductible.
| Plan name | Plan maximum | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|
| Atlas Essential | $50,000 - $1,000,000 | $58 - $109 | $131 - $266 | $263 - $328 |
| Safe Travels USA Cost Saver | $50,000 - $1,000,000 | $71 - $117 | $139 - $250 | $237 - $299 |
| Venbrook Premier | $50,000 - $1,000,000 | $77 - $135 | $176 - $346 | $352 - $437 |
| Patriot America Lite | $50,000 - $1,000,000 | $72 - $130 | $153 - $289 | $252 - $337 |
| Atlas America | $50,000 - $2,000,000 | $78 - $154 | $177 - $378 | $355 - $444 |
| Patriot America Plus | $50,000 - $1,000,000 | $77 - $139 | $164 - $311 | $287 - $434 |
| Travel Medical Basic | $50,000 - $1,000,000 | $80 - $138 | $167 - $314 | $252 - $337 |
| Safe Travels USA Comprehensive | $50,000 - $1,000,000 | $90 - $168 | $172 - $351 | $294 - $470 |
| SafeVista Protect | $100,000 - $1,000,000 | $93 - $127 | $215 - $248 | $320 |
| Diplomat America | $50,000 - $1,000,000 | $125 -$214 | $229 - $301 | $353 |
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.
Importance of Having Visitor Health Insurance in the USA
- Given the high US healthcare costs, being uninsured is very risky.
- In US hospitals, costs are much cheaper if:
- You have short-term medical insurance for international travel
- The hospital is part of the travel insurance USA PPO network
- Beyond travel insurance coverage, simply having the best health insurance for travelers to the USA helps reduce your overall medical bill.
- Therefore, it is crucial to buy travel health insurance USA or health insurance for visitors in USA before your trip.
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.
What Is the Best Health Insurance for K Visa Holders to USA?
The Best health insurance for visitors to USA is Patriot America Plus.
The other top recommended best travel insurance for USA include Atlas America and Safe Travels USA Comprehensive.
- Comprehensive plan for non-US residents traveling to the USA.
- Direct Billing:
- Urgent Care: $30 per incident; no copayment if deductible is $0
- Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
- Emergency medical evacuation: Up to $1,000,000
- Popular visitor insurance plan for non-US residents visiting the US.
- Direct Billing:
- Urgent Care: 15 per incident; no copayment if deductible is $0.
- Acute onset of pre-existing conditions: Up to maximum limit, for ages up to 80 years
- Emergency medical evacuation: Up to $1,000,000
Safe Travels USA Comprehensive
Trawick International
$90 Per monthAge: 40 years | Plan maximum: $50,000 | Deductible: 250
- Travel medical insurance plan which offers extensive medical coverage.
- Direct Billing:
- Urgent Care: $30 per incident; no copayment if deductible is $0
- Acute onset of pre-existing conditions: Up to 89 years
- Emergency medical evacuation: Up to $2,000,000 and up to $1,000,000 for medical expenses
What Are the Types of USA Health Insurance for Visitors?
The types of US travel insurance plans are fixed benefit and comprehensive visitors insurance. Compare Comprehensive vs fixed benefit visitors insurance for USA.
| Feature | Fixed Benefit Visitor Insurance USA | Comprehensive Visitor Insurance USA |
| 💲 Cost | Affordable with lower premiums | More Expensive due to extensive coverage |
| 🛡️ Coverage | Fixed amount per benefit limited or coverage under certain conditions | Benefits for covered medical expenses up to the plan maximum |
| 📉 Deductibles | Usually higher deductibles for lower cost | Often lower deductibles, more coverage |
| 🌐 PPO network | Usually no PPO network participation | Offers PPO network access with discounted rates |
| 💳 Payment method | Usually requires you to pay upfront and then seek reimbursement from the insurer | Allows direct billing(cashless), so the insurer handles payments to the provider |
| ❤️ Pre-existing conditions coverage | Not all plans offer coverage. Some offer coverage up to a specified limit | Some plans offer coverage, while some others offer coverage only for acute onset of pre-existing conditions |
| 👥 Recommended for | Budget conscious travelers who only need basic coverage. | Travelers who want comprehensive coverage for any medical needs. |
American Travel Insurance Reviews
Reviews, Ratings and Experiences from our customers
Charlotte
"I am always appreciating good business conduct and when I am coming back here for the longer time span."
Simon
"Thanks so much for your help American Visitor Insurance Customer Support, your service was fantastic."
Lori Fields
"Thank you American Visitor Insurance! You went way beyond what I would expect from an insurance company when we needed."
What Factors Affect the Cost of K1 Visa Insurance?
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 Fiancee visa health insurance in USA.
Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance.
The price of medical insurance for US K1 Visa is directly dependant on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.
Travel insurance for US K1 Visa depends on the coverage region. The cost for health insurance for the United States is most expensive.
The longer the duration of medical insurance required, the higher will be the cost.
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.
How Can I Buy the Best Health Insurance for K1 Visa Holders Online?
Finding the available medical insurance for K1 visa plans
Complete the health insurance quote request form by providing details of the K1 Visa holder and insurance requirements.
Compare the different US K1 Visa insurance options Compare the price and the benefits of the different travel insurance for K1 Visa holders options to identify what fits your needs best.
Buy the best health insurance for K1 Visa that you like
Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.
Review health insurance for K1 plan documents received by email
Review the Visa insurance policy documents for coverage details and relevant contact numbers
Fiancee visa health insurance - Faq's
1. Do I need health insurance for my fiancee visa?
Health insurance is usually a requirement for the K1 fiancee visa application process. The US government wants to ensure that the foreign fiancee will not become a burden on the healthcare system. K1 visa applicants for the fiancee visa can compare and buy good fiancee insurance on American Visitor Insurance.
2. What are the minimum coverage requirements for fiancee visa health insurance?
The minimum coverage requirements generally include coverage for hospitalization, emergency care, and outpatient services. K1 visa applicants can compare visitors medical insurance plans on American Visitor Insurance to compare coverage details and ensure that your chosen plan satisfies your requirements.
3. Can I use international health insurance for my fiancee visa?
Some international health insurance plans may be accepted for the fiancee visa application, however it is safer to buy US plans and to confirm with the U.S. embassy in your home country. American Visitor Insurance works with top US insurance providers who offer K1 fiancee visa insurance.
4. How long should the health insurance coverage be for the fiancee visa?
The fiancee visa health insurance coverage should be valid for the full length of the fiancee visa process. This typically is between 6 to 9 months. It is very important to ensure that the fiancee visa insurance does not expire before the visa is approved.
5. What happens if I do not have health insurance for the fiancee visa?
If you do not have health insurance that meets the minimum coverage requirements, your fiancee visa application may be denied. It is important to ensure that you have the necessary fiancee visa health insurance in place while submitting your application.
6. Does US Fiancee visa insurance cover covid19?
There are some USA Covid travel insurance plans available for Fiancee visa holders that cover covid19 as a new illness. Fiancee visa Holders in USA can compare best Fiancee visa Covid health insurance plans and buy coronavirus coverage insurance online.
These US Fiancee visa covid travel insurance offer coverage for medical expenses for treatment of Coronavirus treatment while in the USA.
7. Which is the best plan for my Fiancee on a K1 Visa?
All travel medical insurance policies that visitors to the U.S purchases are also suitable for those on K visas until they obtain a Green card. There are many insurance plans that travelers with K visa can purchase.
Travelers can compare numerous plans for prices and benefits from the comparison tool above according to their requirements. Travelers can also get instant policy documents by Email.
8. I am travelling with my Fiancee to the USA soon, Can I include her on my travel insurance policy or purchase separate policies?
While travelling along with the Fiancee travelers should purchase 2 separate policies. Legally married Spouse can be included in the single policy document. The pricing and benefits will remain the same weather it’s a combined policy or 2 separate policies.
It would be beneficial to buy two separate policies as any changes that require to be made can be done easily independently on each policy. In a combined policy, making any changes for one insured may become an issue.
9. Can a fiancee get health insurance in USA?
Yes. Fiancee visa holders can buy travel health insurance in the US. We recommend the travel insurance for K visa holders be purchased from the day they leave their home country until they return, however, most companies allow you to purchase it even after the traveler has already started their journey.
10. How does US health insurance for K visa work?
K1 visa medical insurance is for unexpected medical expenses while on your trip. Many travel insurance for K visa plans also cover baggage loss/ delay, trip delays, and have other benefits to help travelers with unexpected problems (loss of documents, etc). Since they are meant to be used in an emergency, you can use any doctor/hospital. In a non-emergency situation, you should consult your documentation and try to stay in-network (if applicable) while in the US since this will likely help defray your out-of-pocket cost.
11. What happens if a Fiancee gets sick in USA?
Fiancees can use Urgent Care clinics, make appointments at a doctor's office or go the the hospital, if needed. However, they will have to pay out-of-pocket for any and all medical care they receive. This is why we recommend getting a travel or US K visa health insurance plan for the duration of their stay.
Advantages of comparing Fiancee Visa Insurance options
- Fiancee insurance customers need to compare and evaluate several different fiancée medical insurance plans before they make a purchase. To get a licensed agents' advice while comparing different fiancée insurance policies, one may contact the American Visitor Insurance customer support.
- Insurance companies will view the Fiancee in the same way as an immigrant in the USA and they can either opt for an immigrant insurance plan, or for a visitors insurance plan. Those who need coverage for preventive care, pre-existing conditions and a pregnancy in the short-term
- For long-term plans, fiancées who need coverage for preventive care, pre-existing conditions, and a pregnancy may choose from global insurance plans, these plans provide more comprehensive care and may have a waiting period for coverage of pre-existing conditions.
- The comparison of fiancée insurance plans allows the insurance customer to save time, energy and money while buying online. The premium cost and benefits for K1 visa insurance vary according to the plan and insurance company chosen by the customer.
Find the best immigrant insurance for Fiancee K1 visa holders
Best Travel Health Insurance in USA Information
K1 Visa holder insurance resources
International travel insurance resources for K1 Visa Holders while in the US.
Factors for K1 Visa holder insurance
Important factors to consider while buying K1 Visa medical insurance.
Types of K1 Visa insurance options
Different US K1 Visa insurance, fixed benefits vs comprehensive coverage.
K1 Visa insurance claims procedure
K1 Visa holder insurance claims process for medical care in hospital.
What Are the Different USA Visa Health Insurance?
Health Insurance for K1 Visa Holders
K1 Insurance FAQ
Commonly asked questions about fiance visa health insurance.
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