Reviews of popular J1 visa Insurance plans

The table below reviews the benefit options and coverage limits of popular insurance plans for J1 visa holders or exchange scholars. These plans satisfy the requirements set by the US consulates. Review and choose the plan that best suits your needs.

Compare Study USA vs Patriot Exchange vs Student Secure Budget vs Liaison Student Elite Insurance

Start Date
End Date
Coverage Region
Study USA 
Patriot Exchange
Student Secure Budget
Liaison Student Elite
travel insure IMG hccmis seven corners logo
brochure  Brochure & Details links
» Study USA Insurance Brochure
» Study USA Insurance Details
» Study USA Insurance Reviews
» Patriot Exchange Insurance Brochure
» Patriot Exchange Insurance Details
» Patriot Exchange Insurance Reviews
» Student Secure Budget Insurance Brochure
» Student Secure Budget Insurance Details
» Student Secure Budget Insurance Reviews
» Liaison Student Elite Insurance Brochure
» Liaison Student Elite Insurance Details
» Liaison Student Elite Insurance Reviews
file  Underwriter
Study USA Insurance Underwriter
Underwritten by HCC Lloyd’s Syndicate 4141
Patriot Exchange Insurance Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
Student Secure Budget Insurance Underwriter
Underwritten by Lloyd's London
Student Secure Budget Insurance Underwriter
Underwritten by Certain Underwriters at Lloyd's of London
file  Rating
Study USA Insurance Rating
AM Best Rating: "A" (Excellent)
Patriot Exchange Insurance Rating
AM Best Rating: "A" (Excellent)
Student Secure Budget Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Student Secure Budget Insurance Underwriter
AM Best rating : A (Excellent)
Ambulance  Local Ambulance
Basic plan: $300 per injury or illness
Standard & Preferred plans: $350 per injury or illness
Not covered Up to $500 per injury / illness if hospitalized as inpatient Inside the U.S - $750 per disablement (injury/illness)
Outside the U.S - Up to medical maximum
Drugs  Prescription Drugs
Basic plan: 50% of actual charges
Standard & Preferred plans: $10 copay for generic drugs; $20 copay for brand name
Company pays 100% after deductible is met
90 day dispensing maximum
50% of actual charge Inside the U.S - $0 copay (not subject to the deductible)
Outside the U.S - $0 copay (deductible applies)
Dental  Dental Treatment - Due to Accident
Preferred plan: Up to $1,000 maximum per certificate period $500 per accident $250 maximum per tooth; $500 maximum per certificate period $2,500
Dental  Dental Treatment - Sudden Pain
Preferred plan: Up to $100 to alleviate pain $350 maximum Up to $100 maximum for acute onset of pain Up to $350 due to sudden and unexpected pain to natural teeth
Maternity  Maternity
Standard & Preferred plans:
IN PPO NETWORK: 80% of eligible expenses; OUT OF PPO NETWORK: Up to the overall maximum.
Outside US: 100% coinsurance up to overall maximum
Not covered Up to $5,000 for covered pregnancy Inside the U.S
  • In ppo network: 80% up to $25,000
  • Out of ppo network: 60% up to $25,000
Outside the U.S - 100% up to $25,000 Benefits reduced 25% for failure to notify us within the first 90 days of pregnancy
Terrorism  Terrorism
$50,000 lifetime maximum $50,000 $50,000 lifetime maximum $100,000
Emergency  Emergency Medical Evacuation
Basic plan:$50,000 lifetime maximum
Standard plan:$250,000 lifetime maximum
Preferred plan:$500,000 lifetime maximum
$50,000 lifetime maximum Up to $250,000 lifetime maximum $750,000 (separate from the medical maximum)
Accidental  Accidental Death and Dismemberment
Basic plan:$10,000 lifetime maximum
Standard & Preferred plans:$25,000 lifetime maximum
$25,000 principal sum, not subject to deductible No Coverage
  • $25,000 for primary participant
  • $10,000 for plan participant spouse
  • $5,000 for plan participant child
  • Aggregate limit of $250,000 for total number of insureds on plan
unique  Unique Advantages
Study USA Insurance Advantages:
  • Offers coverage to F2 visa holders only if the F1 visa holders are covered under this plan.
  • Option for family coverage
  • Offers comprehensive coverage for students with M1 visa taking part in vocational training.
Patriot Exchange Student Insurance Advantages:
  • Only plan that offers coverage for people with F2 or J2 visa when the primary holder (F1 or J1) has current insurance coverage
  • "Adventure Sports Rider" is available for purchase.
  • Additional benefits under this policy include AD&D, terrorism coverage and incidental home country coverage.
StudentSecure Budget Advantages:
  • Full time students and research scholars registered for universities outside their home country can buy this insurance.
  • Good PPO network.
  • It as a monthly payment option.
  • Get coverage for maternity care, routine care for a newborn child and therapeutic termination of pregnancy.
  • This policy covers for evacuation, repatriation, emergency reunion, terrorism, intercollegiate or club sports.
Liaison Student Elite Advantages:
  • This plan covers both U.S and international students traveling outside their home country.
  • Students who are on J1, H3, F, M or Q visa can purchase this plan.
  • Maternity and Routine Newborn care is covered
  • This plan also covers for spouse and dependent child.
  • It also covers repatriation, medical evacuation, emergency reunion, home country coverage and AD&D.

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