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Ask Our Specialists
J1 visitor insurance needed Hello I am an exchange visitor in CA, aged 32 male, I would like to buy J1 insurance that meet this criteria -medical coverage at least 100000USD /accident or illness -deductible not exceed 500/incident -coinsurance not exceed 25% -medical evacuation at least 50000USD, repatriation at least 25000USD -preexisting conditions must be covered with awaiting period no longer than 12 months -carrier must be A-rated or backed of the full faith and credit of the visitor's government Could you suggest the plan that fulfill this requirements for me?
Thank you for your interest in purchasing insurance through us. You can purchase Patriot Exchange plan with $100k which meets all your school requirements. Patriot Exchange brochure, instant purchase and other useful information, /patriot-exchange-program-insurance/ Please review this plan and if you have any further questions feel free to contact us. Have a great day!
Hello Thank you for your advice. I have two questions 1 I am not sure meaning of pre-existing condition within 36 months charges exclude until after 12 months of coverage will be met the criteria, can you explain or confirm me? 2 If I buy this insurance but it does not meet the criteria, can I refund my payment and how? Thank you.
The Patriot Exchange Program has a 12 month waiting period for pre-existing conditions. This is stating the plan will not cover any pre-existing condition until after 12 months of continuous coverage. If you cancel this policy before the effective date you will receive a full refund. If the cancellation is received any time after the effective date you would receive a prorated refund for the fully unused months minus a $50.00 cancellation fee as long as no claims have been filed since the effective date. If you have any additional questions please let us know.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
Learn MoreWhy buy insurance from Insubuy?
Same Price. Better Service.®
There are many advantages in purchasing from Insubuy and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreTraveling abroad?
Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?
Purchase travel medical insurance that includes emergency medical evacuation.
Learn MoreNew immigrant to USA?
You are not eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.
Learn MoreGoing on a vacation?
You could lose your non-refundable trip costs if you had to cancel your trip.
Buy a trip cancellation insurance package plan and be worry-free.
Learn MoreAre you an exchange visitor to USA?
The U.S. Department of State requires all J visa holders to purchase compliant insurance.
Buy J visa medical insurance to meet your requirements.
Learn MoreTraveling to Europe?
Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling frequently throughout the year?
You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreInternational student in the U.S.?
Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
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