Spouse Visa Health Insurance is a specific type of medical insurance that provides coverage for individuals who enters another country to join their husband or wife on a Spouse Dependent Visa. The main goal of Spouse Visa Health Insurance is to protect spouses from the high cost of healthcare expenses while living in the host country; therefore, the majority of domestic health insurance plans exclude foreign coverage from their plans.
By providing reliable coverage, Spouse Visa Health Insurance will ensure that the dependant (spouse) will have access to a doctor during their stay, meets any visa or university requirements, and avoids unexpected financial burdens from medical expenses.
The U.S. immigration system issues several types of visas for spouses of the primary visa holder. These visas are dependent visas and a spouse visa is only valid for as long as the main visa holder continues to meet their visa eligibility requirements.
Common Spouse or Dependent Visas include:
F2 Visa Insurance: Spouses of F1 Students
This is a visa for the spouse of an F1 student allowing the spouse to accompany their partner studying at a U.S. college or university. Some colleges and universities require students to carry health insurance. However, F2 spouses usually must obtain their own health insurance policy separate from the health insurance of the F1 student.
J2 Visa Insurance: Spouses of J1 Exchange Visitors
J2 visas are issued to spouses of individuals on J1 visas (J1 scholars, researchers, and participants in exchange program). Some programs would require J2 Dependents to have health insurance.
H4 Visa Insurance: Spouses of H1B Workers
H4 visa is a visa for the spouse of an H1B employee in the United States. H4 visa holders are not required to purchase health insurance but are strongly recommended to obtain it because they will not have access to employer-provided health insurance.
Fiancée Visa
This Visa is intended for U.S. citizen’s partners to enter the country to marry the U.S. citizen or while they wait for the Green Card approval. During this transition, purchasing Fiancé visa health insurance is strongly advised.
⚠️ Note: Not all Spouse Visas require health insurance, but living in the U.S. without adequate coverage is highly risky due to the high cost of healthcare. American Visitor Insurance strongly recommends that all spouse dependents secure proper Spouse Visa health insurance during their stay.
Our Spouse Visa insurance plans provide dependable coverage for medical care, emergencies, and unexpected healthcare expenses, helping Spouse Visa holders access quality treatment while avoiding financial stress.
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 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 spouse insurance plans for the USA
Age: 40 years | Plan: $50,000 |
Deductible: $250
If you’re looking for health insurance options not only for your spouse but also for other family members (such as children or dependents on F-2, J-2, H-4, L-2 visas), check out our Health Insurance for Dependents
"After rigorous searching for suitable student health insurances online, I stumbled upon the American visitor Insurance."
"We really thank American insurance team for providing great assistance in taking the insurance. We were successfully."
"Thank you American Visitor Insurance customer service for meticulously following through. I truly appreciate it."
There is no denying that travel insurance to USA is unfortunately very expensive. The main reason for this is simply because the cost of Spouse Visa health insurance plans in the USA generally cover medical emergencies, hospitalization, repatriation of remains, and other essential medical services. The coverage is designed to meet the minimum requirements for Spouse Visa applications.
Failing to provide the required health insurance coverage may lead to delays or rejection of the Visa application. It is essential to obtain the necessary health insurance coverage to comply with Visa requirements.
You will need health insurance that provides comprehensive coverage for medical services, prescriptions, hospitalization, and emergency care. The insurance plan must also meet the minimum requirements set by the U.S. government for Visa purposes.
Yes, if you have an employer-sponsored health insurance plan that meets the Visa requirements, you can use it for your spouse's Visa. However, if your Spouse is not eligible for the plan, you'll need to find alternative coverage such as those offered in American Visitor Insurance which can be used as an interim solution till you get a domestic US health insurance plan.
Yes, you can purchase health insurance for your Spouse from outside the USA on American Visitor Insurance as long as the plan meets the minimum requirements set by the U.S. government for Visa purposes.
Even if it is not required by law in the US for H4 Visa holders to have health insurance, it is still strongly recommended for all US residents including the H4 Visa holders have health insurance. This is considering the high cost of US healthcare. It is very strongly recommended to have health insurance to cover any unexpected medical sickness and injury during one’s stay in the US.
The H4 Visa health insurance plan includes coverage for :
If the H4 Visa holder has a domestic health care plan in the US, then they get more coverage for much more incidents like preventive care, pregnancy and maternity, routine check-up, vaccinations, immunizations...
The US authorities have introduced regulations in 2019 making it mandatory for prospective immigrants to have health insurance. While there is ambiguity in the implementation of this regulation, it is however prudent to buy health insurance for Spouse to USA simply because of the very high cost of US healthcare. While visiting the US is exciting, being forced to visit an US hospital without insurance can be traumatic.
At American visitor insurance, we have many popular Spouse Visa travel insurance plans designed by reputed US visitor medical insurance providers to give our customers a range of options. Spouse Visa holders in the US can compare travel medical insurance plans and review different medical insurance options based on their coverage benefits and price.
There is no denying that travel insurance to USA is unfortunately very expensive. The main reason for this is simply because the cost of healthcare in the USA is very expensive and the travel insurance USA costs are directly related to the healthcare costs.
One more factor for some USA travel insurance plans to be very expensive is that there are specially designed travel insurance for USA plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.
There are many international travel health insurance plans for coverage both in the USA as well as around the world offered by US insurance providers. Given the several travel insurance international options, it can be confusing to find the best health insurance for international travel for your needs. What is very useful in making this decision is to compare travel insurance USA of different companies. The travel insurance comparison allows travelers compare prices as well as coverage benefits in an objective manner.
The traveler can change relevant factors like the medical maximum coverage required, the international traveler insurance deductible, any international travel health insurance plans with coverage for pre-existing ailments, travel insurance international coverage for Covid19... The global travel insurance comparison also allows travelers to buy the best travel insurance based on ones needs by completing an online application and paying using a credt card. One completing the purchase the travel insurance plan is emailed to the customer.
Yes all Spouse in the US can buy short term travel health insurance if they are not eligible for domestic US health insurance plans. At American visitor insurance, we offer very popular travel insurance plans for Spouse Visa holders designed by reputed visitor medical insurance providers to give the visitors on Spouse Visa a range of options.
Spouse in the US can compare US travel health insurance plans on our compare visitors insurance tool and review different travel insurance options based on their coverage benefits and price.
There are many US health insurance plans available for H4 Visa holders and F2 Visa holders and selecting the right plan depends on the requirements of the individuals. They are eligible for the domestic health insurance available for residents in the United States. However, there is an enrolment period during which spouses can enrol in these plans. Meanwhile, there are several temporary US health insurance plans available from US insurance companies for H4 and F2 Visa holders which they can use till they can enrol in US domestic health insurance policies.
Some of the common benefits that these Spouse Visa insurance plans cover are:
If you will join your family member or your Spouse who is on F1 Visa in the United States, then you will need F2 Visa Insurance. While F1 Visa holders are often required to have health insurance as a condition of their Visa, F2 holders are not mandated to have health insurance. However, it is highly recommended to have one considering the high cost of healthcare in the US. This will cover medical care and makes it affordable and easy for spouses and dependents on F2 Visa holders.
Some US Universities require F2 Visa holders to have health insurance as a condition of enrolment of the F1 Visa holder or participate in their student health insurance plan. In most U.S. schools, the institution enrols the F1 Visa holder to their group health insurance policy. Sometimes this is not extended to their dependents on F2 Visa who can be their spouse, children... In that case the F2 Visa holder can get health insurance from the market and here are some popular plans:
The H1 Visa is a non-immigrant Visa that is issued to foreign nationals who are employed in specialized occupations in the United States. In order to obtain H1 Visa, the applicant must have a job offer from U.S employer and possess a Bachelor's degree or higher in a relevant field. H1 Visa holders can work with the sponsoring employer and are authorized to stay in the US for an initial period of 3 years with a possibility of extensions.
The H4 Visa is a dependent Visa that is available for the immediate family member like the Spouse or unmarried children under 21 of the H1 Visa holder. They can accompany the H1 Visa holders to the US. H4 Visa holders are not authorized to work in the US, they are only permitted to study or attend school.
Like the H1B Visa holders, H4 Visa holders can also get one of the following types of the health insurance plans:
Short term health insurance: If your Spouse and/or children on H4 Visa are visiting you in the US for a short term, then you can buy any of the short term health insurance plans from the private insurance company. Here are some great plans that provide short term coverage for your visitor:
Long term health insurance: If your visitor or Spouse or child are coming to stay in the US for a long term, then you can enrol them in your own domestic insurance policy as dependents. However, there is a particular duration when the enrolment window or enrolment period to enrol. They will have to purchase a short term health insurance till they are eligible for long term US domestic health insurance so that they are insured in the interim period for any unexpected sickness or injury.
The long term health insurance can be any one of the following options:
Spouse Visa holder insurance resources
International travel insurance resources for Spouse Visa Holders while in the US.
Factors for Spouse Visa holder insurance
Important factors to consider while buying Spouse Visa medical insurance.
Types of Spouse Visa insurance options
Different US Spouse Visa insurance, fixed benefits vs comprehensive coverage.
Spouse Visa insurance claims procedure
Spouse Visa holder insurance claims process for medical care in hospital.
Commonly asked questions about Spouse visa health insurance.
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