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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:I am an international student on a J-1 visa coming to the University of Virginia this fall and will be staying for a month after my studies to travel. The university has very particular requirements for their health insurance hard waiver so i am wondering if any of your plans satisfy them: 1. The plan is provided by a company licensed to do business in the United States with (a) a U.S. claim payment office, (b) a U.S. telephone number and (c) benefits provided in accordance with the Affordable Care Act (ACA). The following programs do NOT qualify as comparable coverage: 2. The plan provides both in-patient care and outpatient care (including visits for behavioral health care) within a 75-mile radius of the Charlottesville area. Coverage for emergency-only care does NOT satisfy this requirement. 3. The plan provides unlimited coverage for major medical benefits per sickness or injury. Insurance that fails to cover or limits coverage for pre-existing conditions is NOT acceptable. 4. The plan must cover inpatient and outpatient treatment for substance abuse (alcohol and other drugs) and treatment related to suicide and attempted suicide. 5. The coverage will remain in effect for all semesters in which the student is enrolled for the 2018-2019 academic year. 6. The plan provides a minimum of $10,000 in coverage for repatriation/medical evacuation to my home country or return of mortal remains.
Q:I am inquiring if I can purchase an international medical insurance that can cover me, an Egyptian citizen, giving birth in the US and can cover any completions for the born child.
Q:I am purchasing the Patriot America Plus insurance online and it gives me the option for a plastic ID card to be delivered to me. How long does it take for it to arrive at the address in the US.
Q:I want to know if the insurance as a J1 VISA to be in the University of Virginia 21 august until medium of January meet all: The coverage levels are as follows: $100,000 per accident or illness with a deductible of not more than $500 Repatriation of remains, in the event of death, in the amount of $25,000 Expenses associated with medical evacuation to your home country or to your country of permanent residence in the amount of $50,000. Additionally, the insurance company underwriting the policy must have one of the following ratings: An A.M. Best rating of "A-" or above A McGraw Hill Financial/Standard & Poor's Claims-paying Ability rating of "A-" or above A Weiss Research, Inc. rating of "B+" or above A Fitch Ratings, Inc of "A-" or above A Moody's Investor Services rating of "A3" or above OR the policy must be backed by the full faith and credit of your home country government. The University is required to document compliance with these regulations. You will need to bring confirmation from your insurance provider in English that confirms that your policy meets ALL the stated requirements. You do not need health insurance in order to apply for a J-1 visa or to receive J-1 status upon admission to the U.S., however you must have insurance coverage effective on the date your J-1 program begins as listed on your DS-2019 form. You are required to maintain health insurance coverage for the duration of your program in order to keep the J-1 status conferred upon your admission to the U.S. The J-1 status health insurance requirement includes every J-2 dependent with you in the U.S. Both you (the J-1 visitor) and each of your J-2 dependents must be covered by health insurance as described. If health insurance will be provided to you by UVA as part of a comprehensive salary and benefits package, the only option that meets the US government requirement is the CHOICE plan. The BASIC and VALUE plans have deductible limits that are too high and do NOT meet the J-1 requirements. You must speak with your UVa department's administrator immediately upon arriving at UVa in order to enroll in the plan. In addition, if you have J-2 dependents with you, be sure they are included in your UVa health insurance plan when you enroll. Information about health insurance provided by UVa for faculty and research scholars with faculty appointments, (e.g. Research Associates of 6+ months), and their dependents is available here. (Not available to students, or non-salaried appointments). Post-Doctoral Fellows funded by UVa should consult the Office of the Vice President for Research and Graduate Studies' Web site. If health insurance will not be provided to you by UVa as part of a comprehensive salary and benefits package, please secure it before departing for the U.S. If you are required to purchase your own health insurance in order to satisfy the J-1 regulations, you will be asked to provide evidence in English that you have done this when you attend a New J-1 Scholar Orientation. UVa does not endorse a particular health insurance plan. You are free to choose your own health insurance plan. You can purchase any insurance policy that meets these requirements, but your policy must clearly state that all provisions are included. If your policy documentation does not clearly include all provisions in English please bring a letter from your insurance provider that attests all provisions are met. Evidence of appropriate insurance coverage must be documented by the International Studies Office.
Q:I am traveling to USA (Berkeley, California from August 1, 2019, till 30 January 2020 on J1 visa (for education purpose). I am looking for a health insurance policy that would cover: - Medical benefits of at least $100,000 per accident or illness - Repatriation of remains in the amount of $25,000 - Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $50,000 - A deductible not to exceed $500 per accident or illness. Please send me quotes for the appropriate policy.
Q:I'm a US expat and I have a 16 year old who will be traveling to California for 5 months and staying with my sister-in-law. She is a dual US/Chile citizen and will be attending school in the US for the semester. I am wondering what kind of health plan I should get for her. She has full health coverage in Chile, South America
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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.
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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.
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Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
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You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
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Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
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