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J1 Visa Insurance FAQ

Buy J Visa Insurance
J1 Visa Insurance FAQ

Can I purchase insurance for just my spouse/child (J2)?

We offer several different plans for J visa holders; the eligibility requirements are different in each plan:

  • With some plans, dependents (J2) cannot be covered with or without the primary person (J1).
  • Other plans are available to dependents when the primary person has purchased the same insurance plan or if the primary person has purchased a plan through their sponsoring organization. If the primary person has purchased an individual insurance plan from a competing company, some plans will not allow just dependent(s) to enroll.

Please visit the J1 visa insurance section and enter your criteria to see what plans you are eligible for.

Is maternity covered for a J1 or J2?

Some of the plans available for J visa holders will provide coverage for maternity, and some will not. Eligibility requirements vary with the plans that provide coverage for maternity; more plans covering maternity will be available if it is the primary person (J1) requiring the coverage. If it is the dependent (J2) then more plans will be available when the primary person is included in quote and purchase of a plan.

In any case, maternity is not covered if the person needing coverage is already pregnant as of the effective date of the policy; some plans may have a waiting period.

Please visit J1 visa insurance section and enter your criteria to see what plans you are eligible for.

I have insurance through the school and it's too expensive, can I purchase insurance through you?

Schools will usually have their own minimum requirements that an alternative insurance plan must meet before they will accept it.

Please send the requirements of your school (usually provided as the Waiver Form or the Compliance Form) to ofni and we will help you select a plan that meets those minimum requirements. Please do NOT send a copy of your school's insurance policy; there is no way for us to find out what the minimum requirements are for an alternate plan from it.

Can you sign the compliance form before I purchase the insurance?

We are happy to assist with completing compliance/waiver forms; however, the insurance plan must be purchased first. After purchase, the insured person must fill out the compliance/waiver form first and then send to ofni for it to be signed.

If your school has an online compliance/waiver form, or if it follows a different procedure, please follow that procedure instead.

Why can't I purchase Visitors Care if this plan has a $100,000 maximum?

J visa insurance regulations set by U.S. Department of State require that the insurance purchased by J visa holders must provide at least $100,000 policy maximum per incident (illness, injury or accident), and at least $25,000 for repatriation of remains. However, Visitors Care provides $100,000 lifetime policy maximum and only $7,500 for repatriation of remains; therefore, it is not J visa compliant insurance.

You can instead purchase Inbound USA which is a fixed coverage plan that meets the requirements set by the U.S. Department of State.

My school requires an ACA compliant plan, what plans do you have available?

We do not offer such plans.

Please look at domestic long term insurance plans instead. Please understand that you can enroll into an ACA compliant plan only during the open enrollment period or during any special enrollment period which applies to you.

Does any plan cover my prescription for birth control pills?

No.

I am a J1 and just got my green card, can I keep my current plan?

No. While your current plan may have additional time remaining until the expiry date, the change in status makes you ineligible for your current plan. Therefore, if there are any claims made after your change in status, chances are they would be denied due to the fact that you were ineligible for the plan when the occurrence happened.

Does your plan offer intercollegiate sports coverage over $5,000?

No. This seems to be an industry standard for this type of sports coverage.

Can I purchase a plan for medical evacuation and repatriation only?

Yes. Keep in mind that eligibility requirements still apply. This means you would still shop for a plan under the J1 Visa Insurance section.

Will your plan cover my child's immunizations?

No. This would be preventive care and would not be covered under any exchange visitors plan on the market. This would be the case for any inoculations, such as the Flu shot.

Can I be seen at the Student Health Center with your insurance?

Yes. Most plans will treat the Student Health Center as being in the PPO network as far as rates and co-pays go, some may even reduce the co-pay if seen there.

My school requires an annual deductible, do your plans offer that?

J1 visa holders can purchase StudentSecure Insurance.

J2 visa holders can purchase Atlas America or Atlas Essential America or Atlas Premium America. However, please make sure to choose a policy maximum of $100,000 or more and a deductible not to exceed $500 to meet J visa holder requirements.

We had the school insurance last year for my family but just learned of your company; can we switch over?

We would need further details from you and would need to discuss some things before we can advise you of a plan that would be suitable for you, if any at this point.

We have had your insurance plan for the past two years, but we just had a baby. Can we add them to the plan or do we have to buy a separate one?

If the baby was born in the U.S., then it would be a citizen of the U.S. and therefore, could not be added to the J visa insurance plan. However, most J1 insurance plans would automatically provide coverage for the newborn baby for the first 31 days. After 31 days, you will need to find an ACA compliant insurance plan for the baby.

Please contact our office to discuss insurance coverage options for a child born in the U.S.

My wife is visiting her family for the summer in our home country with the kids. We have one insurance plan for the whole family; from what I understand they will not be covered for those months. Can I cancel the plan for them and keep mine, then just buy them a plan when they get back?

That is possible in most plans.

I already have an ACA compliant plan. Can I cancel and purchase yours?

You can purchase some of the plans, but not all of them. Therefore, it would be the best if you call our office, we would be glad to guide towards the most appropriate plans.

My sponsoring organization requires the insurance coverage from a particular date, but that date has already passed. Can you backdate the insurance?

No, that is not possible. In fact, some states consider this practice illegal.

Am I required to maintain J visa insurance during summer break?

Yes, as long as you are on J visa, you are required to maintain J visa compliant insurance for the entire duration of your stay.

Do you have any J1 visa insurance plan that provides unlimited policy maximum?

Yes. Please look at Geo Blue Navigator Student Insurance. However, please note that it still does not meet ACA requirements as it has been filed as a limited duration policy for international living.

My school/job provides medical insurance that I want/must participate in, but it does not satisfy the Department of State’s requirements for Medical Evacuation and Repatriation. What should I do?

In order to comply with the U.S. Department of State’s requirements for J Visa holders, an insurance plan should include Medical Evacuation and Repatriation in certain amounts. If you would like to purchase insurance that does not include that coverage, you will also need to purchase Medical Evacuation and Repatriation Insurance, which is very affordable and easy to purchase online.

DISCLAIMER: The information within this article is intended as a broad summary of benefits and services and is meant for informational purposes only. The information does not describe all scenarios, coverages or exclusions of any insurance plan. The benefits and services of an insurance plan are subject to change. This is not your policy/certificate of insurance. If there is any discrepancy between the information in this article and the language of your policy/certificate wording, the language of the policy/certificate wording will prevail.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

Learn More

Traveling 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 More

New immigrant to USA?

You would not be eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

Learn More

Going 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 More

Are 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 More

Traveling 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 More

Traveling 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 More

International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

Learn More
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Frequently Asked Questions

To continue with the application please scroll down to confirm this notice

CALIFORNIA RESIDENTS SPECIAL NOTICE

1. THE INSURANCE POLICY THAT YOU ARE APPLYING TO PURCHASE IS BEING ISSUED BY AN INSURER THAT IS NOT LICENSED BY THE STATE OF CALIFORNIA. THESE COMPANIES ARE CALLED "NONADMITTED" OR "SURPLUS LINE" INSURERS.

2. THE INSURER IS NOT SUBJECT TO THE FINANCIAL SOLVENCY REGULATION AND ENFORCEMENT THAT APPLY TO CALIFORNIA LICENSED INSURERS.

3. THE INSURER DOES NOT PARTICIPATE IN ANY OF THE INSURANCE GUARANTEE FUNDS CREATED BY CALIFORNIA LAW. THEREFORE, THESE FUNDS WILL NOT PAY YOUR CLAIMS OR PROTECT YOUR ASSETS IF THE INSURER BECOMES INSOLVENT AND IS UNABLE TO MAKE PAYMENTS AS PROMISED.

4. THE INSURER SHOULD BE LICENSED EITHER AS A FOREIGN INSURER IN ANOTHER STATE IN THE UNITED STATES OR AS A NON-UNITED STATES (ALIEN) INSURER. YOU SHOULD ASK QUESTIONS OF YOUR INSURANCE AGENT, BROKER, OR “SURPLUS LINE” BROKER OR CONTACT THE CALIFORNIA DEPARTMENT OF INSURANCE AT THE FOLLOWING TOLL-FREE TELEPHONE NUMBER 1-800-927-4357. ASK WHETHER OR NOT THE INSURER IS LICENSED AS A FOREIGN OR NON-UNITED STATES (ALIEN) INSURER AND FOR ADDITIONAL INFORMATION ABOUT THE INSURER. YOU MAY ALSO CONTACT THE NAIC’S INTERNET WEB SITE AT WWW.NAIC.ORG.

5. FOREIGN INSURERS SHOULD BE LICENSED BY A STATE IN THE UNITED STATES AND YOU MAY CONTACT THAT STATE’S DEPARTMENT OF INSURANCE TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.

6. FOR NON-UNITED STATES (ALIEN) INSURERS, THE INSURER SHOULD BE LICENSED BY A COUNTRY OUTSIDE OF THE UNITED STATES AND SHOULD BE ON THE NAIC’S INTERNATIONAL INSURERS DEPARTMENT (IID) LISTING OF APPROVED NONADMITTED NON-UNITED STATES INSURERS. ASK YOUR AGENT, BROKER, OR “SURPLUS LINE” BROKER TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.

7. CALIFORNIA MAINTAINS A LIST OF APPROVED SURPLUS LINE INSURERS. ASK YOUR AGENT OR BROKER IF THE INSURER IS ON THAT LIST, OR VIEW THAT LIST AT THE INTERNET WEB SITE OF THE CALIFORNIA DEPARTMENT OF INSURANCE: www.insurance.ca.gov.

8. IF YOU, AS THE APPLICANT, REQUIRED THAT THE INSURANCE POLICY YOU HAVE PURCHASED BE BOUND IMMEDIATELY, EITHER BECAUSE EXISTING COVERAGE WAS GOING TO LAPSE WITHIN TWO BUSINESS DAYS OR BECAUSE YOU WERE REQUIRED TO HAVE COVERAGE WITHIN TWO BUSINESS DAYS, AND YOU DID NOT RECEIVE THIS DISCLOSURE FORM AND A REQUEST FOR YOUR SIGNATURE UNTIL AFTER COVERAGE BECAME EFFECTIVE, YOU HAVE THE RIGHT TO CANCEL THIS POLICY WITHIN FIVE DAYS OF RECEIVING THIS DISCLOSURE. IF YOU CANCEL COVERAGE, THE PREMIUM WILL BE PRORATED AND ANY BROKER’S FEE CHARGED FOR THIS INSURANCE WILL BE RETURNED TO YOU.

07/11
LSW1146D
Frequently Asked Questions

Cuba Notice

Travel to Cuba remains subject to restrictions imposed by U.S. sanctions, administered by the US Treasury. Only those who qualify for travel authorized under US Treasury's regulations and who comply with the terms of such authorization can legally travel to Cuba. Individuals traveling to Cuba must meet the following criteria in order to qualify for travel authorized under one of the general licenses outlined below:

Criteria for travel authorized by the US Treasury

If you have read and agree to the terms of both Notices: California and Cuba, please click the continue button if you wish to complete the application process. Otherwise, please click cancel to abort the application process.

Frequently Asked Questions

To continue with the application please scroll down to confirm this notice

CALIFORNIA RESIDENTS SPECIAL NOTICE

1. THE INSURANCE POLICY THAT YOU ARE APPLYING TO PURCHASE IS BEING ISSUED BY AN INSURER THAT IS NOT LICENSED BY THE STATE OF CALIFORNIA. THESE COMPANIES ARE CALLED "NONADMITTED" OR "SURPLUS LINE" INSURERS.

2. THE INSURER IS NOT SUBJECT TO THE FINANCIAL SOLVENCY REGULATION AND ENFORCEMENT THAT APPLY TO CALIFORNIA LICENSED INSURERS.

3. THE INSURER DOES NOT PARTICIPATE IN ANY OF THE INSURANCE GUARANTEE FUNDS CREATED BY CALIFORNIA LAW. THEREFORE, THESE FUNDS WILL NOT PAY YOUR CLAIMS OR PROTECT YOUR ASSETS IF THE INSURER BECOMES INSOLVENT AND IS UNABLE TO MAKE PAYMENTS AS PROMISED.

4. THE INSURER SHOULD BE LICENSED EITHER AS A FOREIGN INSURER IN ANOTHER STATE IN THE UNITED STATES OR AS A NON-UNITED STATES (ALIEN) INSURER. YOU SHOULD ASK QUESTIONS OF YOUR INSURANCE AGENT, BROKER, OR “SURPLUS LINE” BROKER OR CONTACT THE CALIFORNIA DEPARTMENT OF INSURANCE AT THE FOLLOWING TOLL-FREE TELEPHONE NUMBER 1-800-927-4357. ASK WHETHER OR NOT THE INSURER IS LICENSED AS A FOREIGN OR NON-UNITED STATES (ALIEN) INSURER AND FOR ADDITIONAL INFORMATION ABOUT THE INSURER. YOU MAY ALSO CONTACT THE NAIC’S INTERNET WEB SITE AT WWW.NAIC.ORG.

5. FOREIGN INSURERS SHOULD BE LICENSED BY A STATE IN THE UNITED STATES AND YOU MAY CONTACT THAT STATE’S DEPARTMENT OF INSURANCE TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.

6. FOR NON-UNITED STATES (ALIEN) INSURERS, THE INSURER SHOULD BE LICENSED BY A COUNTRY OUTSIDE OF THE UNITED STATES AND SHOULD BE ON THE NAIC’S INTERNATIONAL INSURERS DEPARTMENT (IID) LISTING OF APPROVED NONADMITTED NON-UNITED STATES INSURERS. ASK YOUR AGENT, BROKER, OR “SURPLUS LINE” BROKER TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.

7. CALIFORNIA MAINTAINS A LIST OF APPROVED SURPLUS LINE INSURERS. ASK YOUR AGENT OR BROKER IF THE INSURER IS ON THAT LIST, OR VIEW THAT LIST AT THE INTERNET WEB SITE OF THE CALIFORNIA DEPARTMENT OF INSURANCE: www.insurance.ca.gov.

8. IF YOU, AS THE APPLICANT, REQUIRED THAT THE INSURANCE POLICY YOU HAVE PURCHASED BE BOUND IMMEDIATELY, EITHER BECAUSE EXISTING COVERAGE WAS GOING TO LAPSE WITHIN TWO BUSINESS DAYS OR BECAUSE YOU WERE REQUIRED TO HAVE COVERAGE WITHIN TWO BUSINESS DAYS, AND YOU DID NOT RECEIVE THIS DISCLOSURE FORM AND A REQUEST FOR YOUR SIGNATURE UNTIL AFTER COVERAGE BECAME EFFECTIVE, YOU HAVE THE RIGHT TO CANCEL THIS POLICY WITHIN FIVE DAYS OF RECEIVING THIS DISCLOSURE. IF YOU CANCEL COVERAGE, THE PREMIUM WILL BE PRORATED AND ANY BROKER’S FEE CHARGED FOR THIS INSURANCE WILL BE RETURNED TO YOU.

07/11
LSW1146D
Frequently Asked Questions

If you have read and agreed to the terms of this notice and wish to continue, please click the continue button. Otherwise, please click cancel to abort the application process.

Cuba Notice

Travel to Cuba remains subject to restrictions imposed by U.S. sanctions, administered by the US Treasury. Only those who qualify for travel authorized under US Treasury's regulations and who comply with the terms of such authorization can legally travel to Cuba. Individuals traveling to Cuba must meet the following criteria in order to qualify for travel authorized under one of the general licenses outlined below:

Criteria for travel authorized by the US Treasury

I certify that I have read the above and that all individuals applying for coverage qualify for travel authorized under one of the general licenses per US Treasury regulations.

Reset Application

Pressing “CONFIRM” will reset the whole application and erase all the data previously entered.

If you have already saved this application, you will still be able to retrieve the application with the information previously entered. Details for retrieval would have been given at the time of saving, which can be done any time after the initial quote.