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If I book a ticket for my son to leave USA once he comes in June and then come back to USA when his school starts, would his current trip be considered as visitor and he is eligible for visitors insurance ? So basically I'm breaking his trip into two trips. An initial trip as visitor and then a second trip where his intention is to stay and he can look for domestic options. Since my wife is visiting for 3 months and intends to return she is eligible for Patriot America visitor and can my son become a dependent as he is a minor (< 18)? Or they have to take separate insurance -- visitor for my wife and Short term (STM) for my son. Another challenge seems to be that given the age of my son most STM don't accept him as primary holder.
Your wife if visiting can go with the Patriot America Plus plan. Your son however, will be staying once returning and therefore he cannot be added to the Patriot Plan. He would need to be enrolled into domestic insurance.
If available in your state' he could enroll him into our Short Term Medical plan until his domestic insurance begins. Because he will be living here, you will need to get him enrolled into the domestic insurance once he arrives, and then the STM plan can cover him until his effective date with the domestic plan.
If our STM plan is not available in your state, or will not cover him due to his age, you can contact your State's State Department of Insurance to see what temporary plans may be available to him.
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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
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The U.S. Department of State requires all J visa holders to purchase compliant insurance.
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