What is L1 Visa?
The L-1 visa is a non-immigrant visa issued to allow a US employer to transfer an executive from one of its affiliated foreign offices to one of its offices in the United States. This visa also allows a foreign company which does not yet have an affiliated US office to send an executive to the United States with the purpose of establishing one.
- L-1A (Managers and Executives): Designed for employees in leadership roles with significant decision-making authority. It is valid for an initial three-year period and can be extended for up to 7 years total.
- L-1B (Specialized Knowledge): For employees with proprietary or advanced knowledge essential to the organization's interests. It is valid for an initial three years and can be extended for up to 5 years total.
Who Should Buy L-1 Visa Health Insurance?
L-1 visa health insurance is ideal for intracompany transferees who need immediate and reliable medical coverage upon arrival in the United States. This includes:
- L-1A visa holders for executive and managerial positions transferred to the United States by an employer.
- L-1B visa holders for employees with specialized knowledge.
- All L-1 visa holders are covered during the period before their employer-sponsored health insurance begins.
- L-2 dependents visa holders (spouse and children) who are not covered by a corporate health insurance plan.
- Employees establishing a new U.S. office under an L-1A visa.
Having appropriate health insurance in the USA for L-1 visa holders protects against unexpected medical expenses during the transition period in the U.S.
Is Health Insurance Mandatory for L-1 Visa Holders?
Health insurance for L-1 visa holders is not a formal requirement imposed by USCIS for L-1 visa holders. However, it is strongly recommended due to:
- Extremely high medical costs in the United States
- Limited access to public healthcare programs
- Financial risk from accidents or unexpected illness
- Employer insurance waiting periods
Having health insurance in the U.S. for L-1 visa holders ensures financial protection and peace of mind during your stay in the U.S.
What Does Travel Medical Insurance for B1/B2 Visa Cover?
- Health care expenses: Covers hospital expenses for sickness or accidents.
- Doctor visit: Insures Doctor visits for sudden injury or sickness.
- Pharmacy drugs: Doctor prescribed eligible pharmacy drugs expenses.
- Pre-existing conditions: Some plans insure acute onset of pre-existing conditions.
- Medical evacuation: Medical evacuation expenses to nearest facility included.
- Repat of remains: Repatriation of remains to home country included.
How Much Does B1 Visa Health Insurance Cost in the USA?
The cost of visitor insurance depends on several factors:
- 👤 Age of the traveler (cost increases with age)
- 💵 Medical maximum coverage & deductible
- 📋 Visitors coverage type (Fixed benefit vs Comprehensive coverage)
- ❤️ Visitors insurance coverage for pre-existing conditions
For an average traveler, there are cheap travel insurance plans at less than a dollar a day.
Fixed vs Comprehensive Visitor Insurance Plans
- The cheapest visitor health insurance USA is a fixed benefit plan because it only covers a set amount for each medical expense.
- Within these parameters, travelers can choose:
- An economical fixed plan
- A more expensive but complete comprehensive plan
- Downside of fixed plans: You only know what the insurance company will pay on your behalf; the amount you owe depends on the charges for each service.
- The price of the best visitors insurance for USA is approximate and can change based on specific needs and circumstances.
- It is a good idea to compare different plans and get quotes from multiple providers to find the best visitors insurance coverage for your budget.
- Someone in their Thirties will pay about $40 per month for a fixed plan or $60 for a comprehensive plan if traveling to USA from Europe.
- That same person would only pay $30 for a comprehensive plan to go to Europe.
- Prices usually double for someone in their 60s, and increase further for older travelers.
How Much Does the Most Affordable Visitors Insurance for USA Cost?
The most affordable visitor health insurance USA starts from $20 per month with options up to $191 per month. The average cost of fixed benefit visitor travel insurance for the USA is calculated based on one-month quotes.
| Plan Name | Plan max range | Deductible | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|---|
| Safe Travels Advantage | $25,000 - $150,000 | $0 | $20 - $58 | $39 - $102 | $60 - $166 |
| Visitors Care | $25,000 - $100,000 | $100 | $25 - $47 | $40 - $75 | $66 - $152 |
| Safe Travels Elite | $25,000 - $175,000 | $0 | $26 - $76 | $50 - $134 | $109 - $155 |
| Venbrook Essential | $25,000 - $150,000 | $0 | $26 - $81 | $49 - $124 | $68 - $147 |
| Visit USA Budget | $50,000 - $150,000 | $250 | $32 - $56 | $49 - $86 | $84 |
| VisitorSecure | $50,000 - $130,000 | $100 | $34 - $62 | $55 - $76 | $96 - $139 |
| Travel Medical USA Visitor Basic | $50,000 - $150,000 | $100 | $42 - $52 | $79 - $94 | $173 - $191 |
How Much Does the Comprehensive and Best Visitors Insurance Cost Per Month?
The best travel insurance cost for USA ranges from $58 to $353 per month. The average cost of comprehensive travel insurance for the USA is based on one-month quotes with a $250 deductible.
| Plan name | Plan maximum | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|
| Atlas Essential | $50,000 - $1,000,000 | $58 - $109 | $131 - $266 | $263 - $328 |
| Safe Travels USA Cost Saver | $50,000 - $1,000,000 | $71 - $117 | $139 - $250 | $237 - $299 |
| Venbrook Premier | $50,000 - $1,000,000 | $77 - $135 | $176 - $346 | $352 - $437 |
| Patriot America Lite | $50,000 - $1,000,000 | $72 - $130 | $153 - $289 | $252 - $337 |
| Atlas America | $50,000 - $2,000,000 | $78 - $154 | $177 - $378 | $355 - $444 |
| Patriot America Plus | $50,000 - $1,000,000 | $77 - $139 | $164 - $311 | $287 - $434 |
| Travel Medical Basic | $50,000 - $1,000,000 | $80 - $138 | $167 - $314 | $252 - $337 |
| Safe Travels USA Comprehensive | $50,000 - $1,000,000 | $90 - $168 | $172 - $351 | $294 - $470 |
| SafeVista Protect | $100,000 - $1,000,000 | $93 - $127 | $215 - $248 | $320 |
| Diplomat America | $50,000 - $1,000,000 | $125 -$214 | $229 - $301 | $353 |
How Much Does 6-Month Medical Insurance for Visitors to USA Cost?
For a 60-year-old traveler, the cost of USA visitor insurance for 6 months typically ranges around $122 to $1,050, based different coverage options, medical needs, and traveler’s budget on American Visitor Insurance.
The best 6 month USA travel insurance is the one which is affordable, reliable and allows the traveler stress free.
Importance of Having Visitor Health Insurance in the USA
- Given the high US healthcare costs, being uninsured is very risky.
- In US hospitals, costs are much cheaper if:
- You have short-term medical insurance for international travel
- The hospital is part of the travel insurance USA PPO network
- Beyond travel insurance coverage, simply having the best health insurance for travelers to the USA helps reduce your overall medical bill.
- Therefore, it is crucial to buy travel health insurance USA or health insurance for visitors in USA before your trip.
A routine doctor’s visit can cost between $250 to $350, while a heart attack will leave you with a bill of at least $25,000. If you need to stay in the ICU after a stroke, the cost can exceed $150,000. Even something as routine as an echocardiogram ranges from $1,500 to $4,000, depending on where you get it.
Emergency treatments for conditions like diabetes complications cost anywhere from $3,500 to $7,000, and if you need treatment for kidney failure, expect to pay over $30,000.
What Is the Best Health Insurance for B1 Visa Visitors to the USA?
Fixed Benefit travel insurance
A fixed benefit travel insurance plan is the cheap health insurance for visitors to USA plan, however this is because the Fixed benefit travel insurance have a fixed limit of coverage for different medical benefits. Fixed benefit visitor insurance works well for small ailments but can be inadequate for more serious medical conditions involving hospitalisation.
Cheapest fixed benefit visitor insurance plans for the USA
Safe Travels Advantage
Trawick International
$32 Per monthAge: 40 years | Plan: $50,000 |
Deductible: $0
- Policy maximum limits ranges from $25,000 to $150,000
- Deductible option $0
- Coverage from 5 - 364 days
- Covers acute onset of pre-existing conditions up to 89 years
- Offers coverage for Green Card Holders visiting USA
- Policy maximum limits ranges from $25,000 to $100,000
- Deductible options $0, $50, $100
- Coverage from 5 days to 2 years
- Covers acute onset of pre-existing conditions up to 70 years
- Emergency medical evacuation covered up to policy maximum
- Policy maximum limits ranges from $50,000 to $130,000
- Deductible options $0, $50, $100
- Coverage 5 days to 12 months
- Covers acute onset of pre-existing conditions up to 80 years
- Emergency medical evacuation available for up to $50,000
Comprehensive travel insurance
Comprehensive travel insurance provide full coverage for medical expenses up to the policy medical maximum limit. As opposed to fixed benefit visitor insurance there are no coverage limits for each benefit. It is much more expensive when compared to fixed benefit plans but also provides significantly superior coverage especially in case of a serious medical emergency or hospitalisation.
Best comprehensive visitor insurance plans for the USA
- Policy maximum limits ranges from $50,000 to $1,000,000
- Deductible options $0 to $5,000
- Coverage from 5 days - 364 days
- Covers unexpected recurrence of pre-Existing condition
- Offers optional sports activity coverage
Venbrook Premier
Venbrook International
$77 Per monthAge: 40 years | Plan: $50,000 |
Deductible: $250
- Policy maximum limits ranges from $50,000 to $1,000,000
- Deductible options $0 to $5,000
- Coverage from 5 days - 364 days
- Covers acute onset of pre-existing conditions up to 70 years
- Offers optional coverage for adventure activity coverage
- Policy maximum limits ranges from $10,000 to $2,000,000
- Deductible options $0 to $5,000
- Coverage up to 364 days
- Covers acute onset of pre-existing conditions up to 80 years
- Offers coverage for complications of pregnancy.
What Are the Common Mistakes Made by L-1 Visa Holders?
When selecting L-1 visa health insurance in the USA, L-1 visa holders often make avoidable mistakes, resulting in gaps in coverage or high medical bills that they weren't prepared for.
The following are some of the mistakes made by L1 Visa holders:
- Many L1 Visa holders make the assumption that employer-sponsored health insurance becomes effective right after arriving in the USA, whereas in actuality, many employer-sponsored plans have a waiting period before the insurance takes effect.
- L1 Visa holders may select the cheapest L-1 visa insurance plan without verifying that a hospital, doctor, or any in-network providers are available in the USA.
- L1 Visa holders may forget to purchase health insurance for their L2 dependents, therefore resulting in their spouses and children being uninsured while in the USA.
- L1 Visa holders may overlook the importance of including emergency medical evacuation and repatriation coverage, which is a critical benefit of travel medical insurance for L1 Visa holders.
- A major issue that L1 Visa holders face is the misunderstanding of pre-existing condition limitations in a short-term medical insurance plan.
Selecting the right health insurance for L-1 visa holders in advance helps avoid these common issues and ensures reliable medical coverage during your stay in the United States.
Medical Insurance for Visitors to USA Reviews
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What Factors Affect the Cost of L1 Visa Insurance?
The cost of health insurance is directly proportional to the age of the applicant. The older the traveler and greater will be the cost of L1 visa health insurance in USA.
Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance.
The price of medical insurance for US L1 Visa is directly dependant on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.
Travel insurance for US L1 Visa depends on the coverage region. The cost for health insurance for the United States is most expensive.
The longer the duration of medical insurance required, the higher will be the cost.
Additional add-on benefits to the basic travel insurance plan like adventure sports coverage, coverage for pre-existing conditions… will add to the overall cost.
How Can I Buy the Best Health Insurance for L1 Visa Holders Online?
Finding the available medical insurance for L1 visa plans
Complete the health insurance quote request form by providing details of the L1 Visa holder and insurance requirements.
Compare the different US L1 Visa insurance options Compare the price and the benefits of the different travel insurance for L1 Visa holders options to identify what fits your needs best.
Buy the best health insurance for L1 Visa that you like
Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.
Review health insurance for L1 plan documents received by email
Review the Visa insurance policy documents for coverage details and relevant contact numbers
L1 Visa health insurance - FAQs
1. What is the best insurance for L1 visa holder?
There is no single insurance policy that can be considered the best health insurance for L1 visa holders. The best L1 Visa Medical insurance will vary for different customers depending on different factors such as the budget and any pre-existing medical ailments. L1 visa holders are eligible to buy most of the US visitor medical insurance plans which work quite well for their needs. Here we work with reputed insurance providers to give you the complete choice of health insurance which satisfy L1 visa requirements.
2. Can L1 visa holders get coverage under their employer's group health insurance plan?
Yes, L1 visa holders can typically get coverage under their employer's group health insurance plan. However, it is important to check with the employer to ensure that the coverage extends to L1 visa holders.
3. What are the options for L1 visa holders without employer-sponsored health insurance?
L1 visa holders without employer-sponsored health insurance can explore individual health insurance plans available on American Visitor Insurance. Here they can purchase a travel medical insurance policy to cover any medical emergencies during their stay.
4. Can L1 visa holders enroll in the Affordable Care Act (ACA) marketplace plans?
L1 visa holders are generally not eligible to enroll in the ACA marketplace plans. These plans are primarily designed for U.S. citizens and lawful permanent residents.
5. What are the typical costs associated with L1 visa health insurance?
The costs of L1 visa health insurance can vary depending on factors such as the coverage level, deductibles, age of the insured, and any pre-existing conditions. It is recommended to compare different insurance plans on American Visitor Insurance and obtain quotes to determine the most suitable and affordable option.
6. Can L1 visa holders include their dependents in their health insurance coverage?
Yes, L1 visa holders can usually include their dependents, such as spouses and children, in health insurance coverage purchased on American Visitor Insurance.
7. What happens if an L1 visa holder becomes unemployed or changes their employer?
If an L1 visa holder becomes unemployed or changes their employer, they may lose their employer-sponsored health insurance coverage. In such cases, it is important to explore alternative short term health insurance options on American Visitor Insurance.
8. Are there any specific health insurance requirements for L1 visa holders?
There are no specific health insurance requirements mandated by the U.S. government for L1 visa holders. However, it is advisable to have adequate health insurance coverage to protect against unexpected medical expenses.
9. Can L1 visa holders purchase health insurance from their home country?
L1 visa holders can explore the option of purchasing health insurance from their home country, but it is important to ensure that the coverage is valid and accepted in the United States. US insurance plans on American Visitor Insurance work well within the US since they have PPO networks with most US health providers, which in itself will reduce the cost of hospital bills. It is recommended to consult with an insurance agent on American Visitor Insurance to understand the extent of coverage and any limitations.
10. What is an L1 visa?
An L1 visa is a non-immigrant visa that allows foreign workers to transfer from their foreign company to a branch, affiliate, or subsidiary of the same company in the United States.
11. Is health insurance mandatory for L1 visa holders?
While health insurance is not mandatory for L1 visa holders, given the high cost of US healthcare, it is highly recommended to have proper health coverage during their stay in the United States.
12. How much does health insurance for L1 visa cost?
The cost for the L1 visa insurance varies depending on the age of the insured and the duration of coverage required. The older the L1 visa holder, the higher is the cost. The longer the duration of health insurance required, the greater will be the cost. Our L1 visa insurance quote facility lists the available plans based on price and other coverage details.
Which US L1B visa health insurance can I buy for 3 years? How much would L visa insurance cost for a family of 3?
Are you providing medical health insurance visa for L1B visa holder? What would be the cost for 2 ADULT + 1 CHILD?
Thank you,
Vivek
You can buy the Patriot America Plus insurance. You can only purchase for 12 months at a time and get it renewed every year. It is a good comprehensive plan for unexpected medical issues while you are in the US. It will cost about $2478 per year for the three of you with a $100,000 maximum and a $250 deductible.
Patriot America Plus insurance:Please let us know in case of any questions.
Sincerely,www.americanvisitorinsurance.com
Customer care
(877) 340 7910
Best Travel Health Insurance in USA Information
L1 Visa holder insurance resources
International travel insurance resources for L1 Visa Holders while in the US.
Factors for L1 Visa holder insurance
Important factors to consider while buying L1 Visa medical insurance.
Types of L1 Visa insurance options
Different US L1 Visa insurance, fixed benefits vs comprehensive coverage.
L1 Visa insurance claims procedure
L1 Visa holder insurance claims process for medical care in hospital.