R1 visa health insurance is to have a special type of medical insurance for individuals who are religious workers living and are working in the United States on an R1 Visa. It helps protect individuals whose daily work is dedicated to religious duties and outreach, as distinguished from secular workers.
Because U.S. healthcare costs are extremely high and R-1 visa holders are not eligible for government medical programs, having proper medical insurance is essential. R1 visa insurance typically covers:
This coverage helps ensure that religious workers are able to serve God with the assurance that they are protected from having to deal with the burden of large financial obligations as a result of unexpected and/or serious medical situations.
An R-1 visa is a temporary U.S. visa for foreign nationals who come to the United States to work as religious ministers or in a qualifying religious vocation or occupation. According to U.S. Citizenship and Immigration Services, the work must be part-time or full-time, but not less than 20 hours per week, and must be performed for a bona fide non-profit religious organization in the United States.
To qualify for an R-1 visa, applicants must:
The cost of visitor insurance depends on several factors:
For an average traveler, there are cheap travel insurance plans at less than a dollar a day.
Fixed vs Comprehensive Visitor Insurance Plans
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 |
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 |
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.
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.
The types of US travel insurance plans are fixed benefit and comprehensive visitors insurance. Compare Comprehensive vs fixed benefit visitors insurance for USA.
| Feature | Fixed Benefit Visitor Insurance USA | Comprehensive Visitor Insurance USA |
| 💲 Cost | Affordable with lower premiums | More Expensive due to extensive coverage |
| 🛡️ Coverage | Fixed amount per benefit limited or coverage under certain conditions | Benefits for covered medical expenses up to the plan maximum |
| 📉 Deductibles | Usually higher deductibles for lower cost | Often lower deductibles, more coverage |
| 🌐 PPO network | Usually no PPO network participation | Offers PPO network access with discounted rates |
| 💳 Payment method | Usually requires you to pay upfront and then seek reimbursement from the insurer | Allows direct billing(cashless), so the insurer handles payments to the provider |
| ❤️ Pre-existing conditions coverage | Not all plans offer coverage. Some offer coverage up to a specified limit | Some plans offer coverage, while some others offer coverage only for acute onset of pre-existing conditions |
| 👥 Recommended for | Budget conscious travelers who only need basic coverage. | Travelers who want comprehensive coverage for any medical needs. |
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
Age: 40 years | Plan: $50,000 |
Deductible: $0
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
Age: 40 years | Plan: $50,000 |
Deductible: $250
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In some cases, if your home country's health insurance meets the requirements set by the U.S. government, it may be accepted for an R1 visa. However, it is recommended to check with the U.S. embassy or consulate in your home country to ensure compliance.
Yes, you can purchase health insurance from a U.S. insurance provider for your R1 visa. There are many insurance companies available on American Visitor Insurance that offer plans specifically designed for visa holders.
If you do not have health insurance that meets the requirements for an R1 visa, your visa application may be denied. It is important to have adequate coverage to ensure compliance with U.S. immigration regulations.
You are required to maintain health insurance coverage for the full duration of your stay in the United States on an R1 visa. It is important to renew your insurance policy before it expires to avoid any gaps in coverage.
It is not recommended to cancel your health insurance once you have obtained your R1 visa, as you are required to maintain coverage for the duration of your stay in the United States. It is important to have continuous coverage to comply with immigration regulations. US healthcare is very expensive, and being uninsured in the US is extremely risky.
Yes, you can add your dependents to your R1 visa health insurance available on American Visitor Insurance. Most US insurance providers offer family plans that allow you to include your spouse and children.
If you need to use your health insurance while on an R1 visa, you should follow the procedures outlined by your insurance provider. This may include contacting the insurance company, obtaining pre-authorization for medical services, and paying any applicable deductibles or co-pays.
High health care costs in the USA is expensive to a short term visitor! Find out why you need to buy R1 visa medical insurance
Know more »Travelling frequently and have a domestic health insurance? You can buy annual multi-trip travel insurance!
Know more »R1 Visa holder insurance resources
International travel insurance resources for R1 Visa Holders while in the US.
Factors for R1 Visa holder insurance
Important factors to consider while buying R1 Visa medical insurance.
Types of R1 Visa insurance options
Different US R1 Visa insurance, fixed benefits vs comprehensive coverage.
R1 Visa insurance claims procedure
R1 Visa holder insurance claims process for medical care in hospital.
