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 Brochure
» Study USA Details
» Study USA Reviews
» Patriot Exchange Brochure
» Patriot Exchange Details
» Patriot Exchange Reviews
» Student Secure Budget Brochure
» Student Secure Budget Details
» Student Secure Budget Reviews
» Liaison Student Elite Brochure
» Liaison Student Elite Details
» Liaison Student Elite Reviews
file  Underwriter
Lloyds Sirius International Lloyds Lloyd's of London
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

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