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 Elite Student 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 & Details links
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
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)
Local Ambulance
Basic plan: $300 per injury or illness
Standard, Preferred and Platinum 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
Prescription Drugs
Basic plan: 50% of actual charges
Standard plan: $30 deductible for generic drugs, $100 deductible for brand name
Preferred plan: $15 deductible for generic drugs, $50 deductible for brand name
Platinum plan: $15 deductible for generic drugs, $30 deductible 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 Treatment - Due to Accident
Basic and Standard plans: Not Available.
Preferred and platinum plan: Up to $1,000 maximum per certificate period.
$500 per accident $250 maximum per tooth; $500 maximum per certificate period $2,500
Dental Treatment - Sudden Pain
Basic and Standard plans: Not Available.
Preferred and platinum 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
Standard, Preferred and Platinum plan:
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
Basic and Standard Plans:Not Available
Preferred and Platinum Plans:Up to $50,000 lifetime maximum
$50,000 $50,000 lifetime maximum $100,000
Emergency Medical Evacuation
Basic plan:$50,000 lifetime maximum
Standard plan:$250,000 lifetime maximum
Preferred and Platinum plans:$500,000 lifetime maximum
$50,000 lifetime maximum Up to $250,000 lifetime maximum $750,000 (separate from the medical maximum)
Accidental Death and Dismemberment
Basic plan:Not Available
Standard plan:Up to $5,000 lifetime maximum
Preferres and Platinum plans:Up to $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 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.

During 2021 summer, many countries started opening their borders again for international tourism. Unfortunately at this time the Delta variant has become the dominant variant Covid19 across several countries. The CDC in fact believe the Delta variant to be the most contagious variant and may even partially evade the antibodies made by the immune system after a Covid19 infection or vaccination. Early studies indicate that the Delta variant infects younger people in large numbers and even vaccinated people. After a steady decline in the number of cases, the Delta variant has resulted in an increase in cases in the US especially in areas where the vaccination rates are low.

The Delta variant has swept across the globe impacting USA. The Biden administration has announced that starting November 2021 international travelers will be allowed by air to the US however they will have to be fully vaccinated for Covid19 as well as show proof of a negative for Covid19 test taken 72 hours prior to boarding the US flight. According to the United States Center for Disease Control (CDC), the US will accept vaccines that are approved for emergency use by the World Health Organisation.

Travel Insurance with covid coverage for visiting USA

However all international travelers flying in to the United States, including US citizens and permanent residents are also required to have a negative COVID-19 test result no more than three days before travel. Alternatively they should have documentation of recovery from COVID19 within the past 3 months before boarding an US flight.

Travel Insurance with covid19 coverage for visiting USA

Trawick International travel insurance

Trawick International offers visitor medical insurance for coronavirus with their Safe Travels USA Insurance. The Safe Travels USA Comprehensive plan is ideal for travelers with pre-existing medical conditions even for travelers older than 70 years. You can compare Safe Travels USA Covid 19 travel insurance plans and buy it online to get coverage as early as the following day. After buying the Trawick travel insurance, travelers can download a visa letter which indicates that Safe travels USA visitors insurance covers covid 19 illness.

Seven Corners visitors medical insurance

Liaison Travel Plus Insurance offers best Seven Corners health insurance for visitors to USA. The Sevencorners visitor health insurance treatment benefit is available for COVID-19 (the disease); SARS-Cov-2 (the virus); and any mutation or variation of SARS-CoV-2.
seven corners

International Medical Group (IMG) Coronavirus insurance

International Medical Group (IMG) travel insurance offers coronavirus insurance for USA. IMG's Patriot America Plus and Patriot Platinum insurance plans cover COVID-19 like any other illness. The Patriot America Plus Insurance and Patriot America Platinum insurance include COVID coverage up to the policy maximum.

INF travel insurance

INF travel insurance offers coverage for coronavirus as any other new sickness. It is available for Non-US citizens or residents travelling to the US. INF Premier and INF Elite plans covers pre-existing complications from COVID-19.

Global Underwriters US visitor insurance

Diplomat America visitors insurance by Global Underwriters offers coverage for covid-19 as a new sickness. It is available for Non-US citizens or residents travelling to the US. Diplomat Long term Covid19 medical insurance must be bought for a minimum of 3 months and has a plan maximum options of $500,000 and $1,000,000 for medical expenses. You can compare Diplomat insurance for visitors to USA.
Global Underwriters
Please know we are here to help you make the best, informed decision to get coverage even for COVID-19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

Travel insurance for Coronavirus Covid
Countries that need travel insurance
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Liaison Medievac Insurance satisfies J visa requrements: Need for Liaison Medievac insurance.

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.
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