J1, J2 visa Insurance

Compare J1 Visa Insurance (US Exchange Scholar visa insurance)

Compare J1 Visa Insurance

Traveler Age
Start date
End date

What does visitor travel insurance 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.

J1, J2 visa health insurance frequently asked questions

What is J1 health insurance USA?

A J1 health insurance USA is a stamp in a person's passport, required (except in the case of Canadians) for people who are not U.S. citizens or permanent residents to enter the United States. The J-1 visa is intended for, among others, scholars who want to come to the US temporarily to teach in a college or university, do research, or both.

What are the insurance requirements specified by the US state department to have and maintain the j1 j2 visa?

The Department of State has established the following requirements for the type and amounts of coverage required to maintain j1 and j2 visa status:

  1. J1 Scholar (Exchange Visitor Visa) Medical Insurance policy must provide "medical benefits of at least $50,000 for each accident or illness." It means that an acceptable policy couldn't set a maximum lower than $50,000 in benefits for each accident or illness. However, starting May 15, 2015 this maximum will be increased to $100,000.Students with existing policies should be able to upgrade their policies this one time by paying the increased rate.
  2. If a J Visa holder dies in the U.S., then the policy must provide at least $25,000 in repatriation benefits to send the remains to the home country for burial.
  3. The deductible should not exceed $500 per accident or illness.
  4. The co-payment of medical expenses (the portion not covered by insurance that the insured pays him or herself) should be of no more than 25%.
  5. If, because of a serious illness or injury, you must be sent home on the advice of a doctor, the policy must pay up to $50,000 for the expenses of your travel.
  6. J1 Scholar (Exchange Visitor Visa) Medical Insurance policy may establish a waiting period before it covers pre-existing conditions (that is, health problems you had before you bought the insurance), as long as the waiting period is reasonable by current standards in the insurance business.
  7. If you elect to satisfy the insurance requirement through a policy issued in your home country, the policy must be backed by the full faith and credit of your government. Otherwise, the company providing the insurance must meet minimum rating requirements established by Department of State (an A.M. Best rating of "A-" or better, an Insurance Solvency International, Ltd. (ISI) rating of "A-1" or better, a Standard & Poor's Claims-Paying Ability rating of "A-" or better, or a Weiss Research, Inc. rating of "B+" or better).

These requirements apply to both J-1 students and scholars and to their J-2 dependent spouses and children.

What can happen if I do not satisfy this insurance requirement?

To underscore the seriousness with which the Department of State views health insurance, the new regulations require your J program sponsor to terminate your status in the U.S. if you willfully fail to comply with the insurance requirement.

Who is a visiting foreign scholar?

A visiting foreign scholar is a person who comes to the university temporarily, mainly to teach, do research, or both. The broad term "visiting foreign scholar" encompasses, for example, Fulbright scholars who come to teach, post-doctoral research fellows, and visiting professors. Some foreign scholars are at the university for only a few days, others remain for three years. Visiting foreign scholars come to the University for Academic Enterprises, not for non-academic employment.

Visiting foreign scholars normally hold a visa known as a J1 America or exchange-visitor visa. Some people who acquire J1 America status are subject to what is known as the two-year, home-country physical presence requirement. Dependents (spouses and children below the age of 21 of J1 America visa holder) are in a status called J-2.

What is the process for bringing a visiting foreign scholar to the United States?

The prospective scholar must then obtain a "visa" from the United States embassy or a United States consulate in his or her own country. (Citizens and permanent residents of Canada need neither a passport nor a visa to enter the United States.) To obtain a J-1 visa from an American embassy or consular post abroad, the prospective scholar must have a Form DS-2019 from the American institute inviting the scholar.

Is it possible to update contact information (in particular Mailing Address provided at the time of subscription) if I will move to another apartment?

Yes. You have access to a website that will have all of your information which you can update address and renew your policy, check effective/end dates, etc. We can also help you with this via email or phone.

Upon J1 VISA extension, is it possible to update the "Date of Return to Home Country" provided at the time of subscription?

As long as you purchase the first time for at least three months, you will be able to renew or extend the policy up to 12 months from the start date and then renew for up to five years.

What are the j2 visa health insurance requirements purchase insurance?

Covid19 J1 health insurance USA for coronavirus for exchange scholars in the US.

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Covid19 J1 health insurance USA for coronavirus for exchange scholars in the US

There are many J1 visa holders currently in the US either without proper J Visa coronavirus health insurance, or having medical insurance that does not provide coverage for Covid19. At American Visitor Insurance, we are committed to getting you the Best Covid19 J1 Visa Medical Insurance Coverage available in these uncertain times.

These are some of the few Covid19 J1 health insurance USA.

These plans satisfy J Visa requirements and cover medical expenses arising from Covid19 illness. The Covid19 treatment benefit is available for COVID-19 (the disease); SARS-Cov-2 (the virus); and any mutation or variation of SARS-CoV-2.

There are also many J1 visa holders currently stranded in the US who are not enrolled in any courses. In this situation they are not limited to buying j1 visa insurance and can buy short term US visitors medical insurance. The visitors health insurance plans are cheaper and ideal for exchange scholars in the US while they are not enrolled in courses. J1 visa holders can review and Compare Visitor Insurance Plans and find Covid19 USA J1 visa insurance coverage that fit your needs. Please know we are here to help you make the best, informed decision to get Covid19 J Visa health insurance! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

Insurance FAQ Disclaimer

AmericanVisitorInsurance and/or its associates have tried to answer these frequently asked questions to the best of our knowledge. However we make no guarantee regarding the accuracy of our answers. The exact answers for some of the questions can change periodically as insurance companies change their plans/policies. AmericanVisitorInsurance is not liable for any problem resulting from the content on this FAQ. If you do not agree with the terms of this disclaimer, please do not use any information in this FAQ..
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J1 and J2 Visa insurance forum, Visa J1 J2 forum


J1 and J2 holders plan options

I have seen, many Atlas plans: Atlas America and Atlas Exchange (6/12 month pre-existing), which is the correct one for me? Please provide a personalized quote. Travelling from South Africa, on J2 Visa, from 7 August 2017 to 24 June 2018. DOB is 05/03/1989. Must meet J2 requirements. My husband is on J1 and on Harvard University Health Care $0 Deductible and 0/100 coinsurance. How do the Atlas plans compare to IMG Patriot Exchange Program insurance (especially for J2 visa insurance requirements)?

Thank you,
questionDear Kasandra,
Thank you for contacting us at American Visitor Insurance for your J1 Visa insurance needs!. The Atlas plan that we would suggest you is the Atlas America plan. This is basically a comprehensive plan suitable for visitors but it also qualifies for J2 and F2 Visa holders sometimes. You can check with your University to make sure they are ok with this plan. The Patriot Exchange plan is basically for J1 visa and J2 Visa holders. It satisfies the J Visa requirements. It is unique student plan where it is available only for J2 holders when the J1 holder is not on the plan. Most of the student plans on our site do not have this benefit. Below I have listed the details for both these plans:
In the above page you can get a personalized quote. But I am including that here for your convenience. I have entered your age as 28. For the time period you have specified, this plan costs $697.07 for a policy maximum of $50,000 and a deductible of $100. Policy maximum $100,000 premium is 808.50 Policy maximum $250,000 premium is 864.49 Policy maximum $500,000 premium is 911.90. You can use our compare coverage link given below to compare these plans for your reference: Compare Coverage
Please let us know if we can help in any further.

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Steps to buy US J1 and J2 Visa travel insurance online

trip cancellation online
Step 1: Finding the Best US health insurance for Visa J1 J2 plans
Complete the J Visa insurance quote request form by providing details of the J Visa holder insurance requirements.
Step 2: Compare the different J1 and J2 Visa insurance options
Compare the price and the benefits of the different J Visa holder insurance options to identify what fits your needs best.
Step 3: Buy the insurance for J Visa holder 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 J Visa holder insurance plan documents received by email
Review the J Visa health insurance policy documents received by email closely for coverage details and relevant contact numbers.

J1 / J2 visa insurance - FAQ

Why American visitor insurance?

American Visitor Insurance works with reputed US travel insurance providers to give international travelers 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, J1 j2 visa holders, H1b Visa holders, US travelers going overseas, travelers to Schengen countries who need travel 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 international travel insurance questions, reviews of different products, testimonials for customers as well as provide an user friendly travel insurance comparison tool where travelers can compare different products based on price as well as the coverage benefits. All of these tools help Exchange scholars on J1 and J2 visa holders make an informed decision while buying travel insurance.

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