J1 Visa Insurance

Compare J1 Visa Insurance (US Exchange Scholar visa insurance)

Compare J1 Visa Insurance

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US health insurance for J1 visa holders

J1 Visa scholar insurance is applicable for J1 visa holders (Exchange scholars in the US) and J-2 visa holders (spouse and dependents of J1 scholars). The US consulates have mandated certain J1 visa insurance requirements for J1/J2 visa holders. Compare and buy the cheapest insurance for J1 visa from top rated insurance companies. These affordable J visa repatriation and evacuation insurance satisfy J1 visa requirements as mandated by the US consulate. The health insurance USA J-1 research scholar insurance is very popular among international scholars coming to the USA.

J visa health insurance and J visa letter

The J1 exchange scholar insurance is specially for J1 visa holders and their dependents who would live in the US for one year or even less. Affordable J1 scholar health insurance offer special coverage for acute onset of pre-existing conditions, maternity, injuries while taking part in sports, drug abuse and mental illness. By satisfying the requirements of US j1 visa consular needs, these comprehensive plans also offer coverage for trip interruption, baggage loss, passport loss and much more.

While applying for J1 visa, the consulate would ask you to provide the proof of insurance coverage for your entire stay in US. After buying the J visa evacuation and repatriation insurance, you may have to contact the insurance company for the J1 visa letter, We will send the visa letter as soon as we receive the payment confirmation. Therefore while you are preparing for the visa interview, you will have the J1 visa letter ready.

What does J1 visa insurance cover?

Health care expenses

Covers hospital medical expenses for sickness or accidents during travel.

Doctor visit

Covers Doctor visits in case of sudden injury or sickness.

Pharmacy drugs

Expenses from Doctor prescribed eligible pharmacy drugs.

Pre-existing conditions

Some plans cover acute onset of pre-existing conditions.

Medical evacuation

Medical evacuation expenses to nearest facility if needed.

Repat of remains

Repatriation of remains expenses to home country in case of death.

J1 visa insurance for exchange scholars in the US

There are many J1 visa holders currently in the US either without adequate health insurance, or having medical insurance that does not provide coverage for Covid19. At American Visitor Insurance, we are committed to providing the best J1 visa medical insurance that is available in these uncertain times.

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

These plans satisfy J visa requirements and cover medical expenses arising from Covid19 illness. 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.

Student health insurance USA cost

How much does International student insurance USA cost? How much does health insurance for foreign students cost per month?

The cost of international students health insurance depends on different factors like the age of the student, the duration, the medical coverage, the deductible and the co-insurance for the plan. Additionally the student health insurance cost in the US also depends on coverage for mental illness, dental expenses, hazardous sports, maternity and coverage for pre-existing ailments. Here at American Visitor insurance we have calculated the cost of health insurance for international students to help you compare and make an informed choice while buying the plan.

Advantage of buying US plans to satisfy J visa insurance!

  • US insurance plans have better recognition within the USA as opposed to plans purchased in your home country.
  • J1 health Insurance claims are settled in US dollars and directly billed if services are used within the insurance PPO network.

J1 Visa Group travel insurance

  • Exchange scholars traveling overseas in groups can purchase the group insurance plans.
  • This makes it a lot easier to administer the plan and these plans are cheaper than buying individual insurance plans.
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Medical insurance for J visa holders in USA

Patriot Exchange insurance ideal for J1 visa holders

Patriot Exchange insurance offered by International Medical Group (IMG) is an excellent health insurance plan supporting J1 & J2 visa. It is ideal because Patriot Exchange can be purchased by the J2 dependent even if the J1 scholar is not part of the Patriot exchange plan, as long as he or she is covered by another plan offered by the research or educational institution.

J1 Visa Insurance - Faq's

01.  Which medical insurance plan works well for J1 and J2 Visa holders?

We have many plans that satisfy J visa requirements that work for both J1 and J2 Visa holders. Some US health insurance plans require that the J1 Visa holder is the primary applicant for the J2 visa holder to be eligible. If the J2 visa holder alone needs coverage, then the Patriot Exchange plan offered by International Medical Group (IMG) is available. Please find the details of this plan here:

02.  Does the domestic plans cover J2 Visa holders?

While we cannot state whether or not they cover J2 Visa holders completely, they might not meet the specific J visa health insurance requirements as defined by the immigration authorities. The J2 visa eligibility and medical insurance coverage is dependent on the J1 exchange program.

03.  Can a visiting foreign scholar come to the United States on a visitor's visa?

Yes, a visiting scholar can come to the US on a B-1 "visitor for business" visa. Under Certain situations a person on a B-1 visa status is permitted by the U.S. Citizenship and Immigration Service (USCIS) regulations to be reimbursed for expenses, and, under the amended law, can also be paid an honorarium. Visiting scholars who are going to meet all of their own expenses can also come in B-1 status. Getting a B-1 visa does not require any formal immigration document from the University. To obtain a B-1 visa, a prospective scholar should have an invitation letter from the department with which the scholar will be affiliated, detailing the dates and activities of the contemplated visit, and indicating what if anything is to be provided in the way of reimbursements and honoraria.

04.  What can happen if I do not satisfy the J visa insurance requirement?

The Department of State views health insurance as very, very important! The regulations require that your J program sponsor should terminate your status in the U.S. as a J visa holder if you willfully fail to comply with the J visa insurance requirement.

05.  Can a J2 visa holder buy insurance?

Most health insurance policies available for foreign scholars requires that the J1 visa holder be the primary applicant on the insurance policy and only then can a J2 visa holder be insured as part of that plan. However the Patriot Exchange plan offered by International Medical Group (IMG) can be purchased by the J2 visa holder without needing the J1 visa holder on that plan, as long as the J1 scholar is insured by the institution sponsoring the J visa holder.

The Patriot Exchange insurance plan is very affordable and has many excellent benefits. One advantage of the policy is that if the insured has access to a health center, they only pay a $5 copay (instead of the usual $100 deductible). As a copay, this is payable at every visit, however, even many visits will be cheaper than a single $100 deductible. A disadvantage to this Patriot Exchange policy is that there is no maternity coverage and no coverage for pre-existing conditions. For more details on IMG’s Patriot Exchange, including brochure and pricing, please use these web-links:

06.  When should you purchase a J1 visa health insurance?

All J visa applicants need to show proof of J1 visa health insurance meeting the minimum requirements when you apply for a J1 visa. It is best to buy J visa health insurance on American Visitor Insurance before you start the visa application process.

07.  What are J1 visa health insurance exclusions?

Exclusions are the situations or conditions that are not covered by your J visa medical insurance plan. For example, some plans may exclude pre-existing medical conditions, maternity care, mental health disorders, substance abuse, sports injuries, etc. You should compare the best J1 visa health insurance benefits on American Visitor Insurance and read the policy certificate carefully to understand what is excluded from your coverage.

08.  What are the Insurance options for J2 visa holders?

J2 visa holders are the dependents of J1 visa holders, such as spouses or children. They have to meet the same insurance requirements as J1 visa holders. They can either purchase a separate plan or join the same plan as their J1 sponsor. There are different types of insurance options for J2 visa holders, such as short-term plans, long-term plans, or comprehensive plans. You can compare and buy best J1 visa health insurance on American Visitor Insurance.

09.  What should I do if I need to file a claim for my J1 visa health insurance?

If you need to file a claim for your J1 visa health insurance, you should follow these steps:

  • Contact your insurance company as soon as possible and inform them about your situation.
  • Fill out the claim form and attach any supporting documents, such as receipts, bills, medical reports, etc.
  • Submit the claim form and documents to your insurance company by mail, fax, email, or online portal.
  • Wait for your claim to be processed and approved by your insurance company.
  • Receive your reimbursement or payment from your insurance company.

US Department of State J-1 visa health insurance requirements for evacuation and repatriation

The US Department of State has established the following insurance requirements to maintain the J1 Visa or J2 Visa status:

  1. J1 Scholar (Exchange Scholar) Health Insurance policy must provide "medical benefits of at least $100,000 for each accident or illness."
  2. If a J visa holder dies in the U.S., then the policy must provide at least $25,000 in medical evacuation and repatriation insurance benefits to send the remains to the home country for burial.
  3. The J-1 exchange visitor health insurance 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 Scholar) Health 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).
  8. These J1 visa health insurance plan requirements apply to both J-1 visa students and J-1 visa exchange scholars and to their J-2 dependent visa spouse and J2 visa children.
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Medical Evacuation and Repatriation Insurance satisfies J visa requrements

The Affordable Care Act (ACA) compliance requires the student insurance plan to include Medical evacuation coverage. The J1 Visa requirements include minimum coverage for Medical Evacuation of $50,000 and Repatriation of Remains of $25,000. Most university insurance do not provide this medical evacuation coverage, and students do not realize that they are not meeting the J1 Visa requirements. The Medical Evacuation & Repatriation Insurance offers coverage for medical evacuation of $50,000 and satisfies the J visa requirements.

J1 Visa insurance links

J visa requirements

Cheap J1 visa insurance which satisfies health insurance requirements for the J1 Visa as mandated by the US department of state.

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Compare J1 visa medical insurance

Review and select affordable J1 visa exchange scholar insurance that best suits your needs.

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Factors to consider

Here are some factors and J Visa Holders Guide to Health Insurance that you need to consider while buying J visa insurance.

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Student health insurance for top US colleges and universities
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US J visa insurance - Resourceful links

J1 visa Insurance FAQ

Commonly asked questions about J1 visa health insurance.

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J1 visa Insurance Blog

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J1 visa Insurance Forum

Customer queries and answers about insurance plans for J1 visa holders.

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J1 visa Insurance Reviews

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