J1 Visa insurance requirements

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

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Covid 19 J1 visa coronavirus insurance 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 Covid 19. 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 Covid 19 J1 visa health insurance.

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 Covid 19 USA J1 visa insurance coverage that fit your needs.

Please know we are here to help you make the best, informed decision to get Covid 19 J visa health insurance! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

J1 Visa insurance requirements

  • J1 Scholar (Exchange Scholar) Health Insurance policy must provide "medical benefits of at least $100,000 for each accident or illness." Students with older $50,000 policies (Prior to 2015 J visa requirement) should be able to “upgrade” their policies this one time by paying the increased rate.
  • 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.
  • The J-1 exchange visitor health insurance deductible should not exceed $500 per accident or illness.
  • 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%.
  • 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.
  • 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.
  • 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 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.

Testimonials - From Our Customers

After rigorous searching for suitable student health insurances online, I stumbled upon the American visitor Insurance.
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We really thank American insurance team for providing great assistance in taking the insurance. We were successfully.
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Thank you American Visitor Insurance customer service for meticulously following through. I truly appreciate it.
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Medical Evacuation and Repatriation Insurance satisfies J visa Requirements - Secondary plan

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 Liaison Medical Evacuation & Repatriation Insurance offers coverage for medical evacuation of $50,000 and satisfies the J visa requirements.


Buying insurance to satisfy latest j1 visa insurance requirements

questionDear Customer service,

I am a customer of IMG with the Patriot America plan. The current effective date of my insurance policy is on 24-Sep-2014 and the current expiration date is on 24-Sep-2015.

Washington State University requests me to purchase a plan that meets the new J Visa Requirements. How do I go through the cancellation procedure? Can I upgrade the plan?


questionDear Xuedong,

Thank you for contacting us at American Visitor Insurance for your J1 Visa insurance needs!. The plan that you currently have is PATRIOT AMERICA which is suitable to visitors to the US. The specific plan for J1 Visa holder is another plan called PATRIOT EXCHANGE from the same company. Since the requirements for J1 Visa has changed, we are suggesting customers to purchase PATRIOT EXCHANGE plan which satisfies the new requirements of J Visa.

If you had the same plan before then you could have upgraded, but since you have a different you will not be able to do that.

But here is something that would be helpful to you. Please send an email to chs.service@imglobal.com and send your certificate number and mention that you need to purchase another plan and cancel this plan. This will waive your cancellation fee and your old plan will be cancelled and the unused premium will be returned and you can purchase the new plan.

We have contacted the Insurance Company and confirmed that this is their procedure.

Hopefully this is helpful!
Here are the links for Patriot Exchange:

Patriot Exchange     Plan Details Brochure Buy Now

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(877) 340 7910

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