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J1/J2 Visa Exchange Visitor Medical Insurance

Medical insurance for exchange visitors to the U.S. on a J visa.

J visa medical insurance is required if you are visiting the U.S. on a J-1 visa or a J-2 visa as an exchange visitor or research scholar, or if you are inviting someone in that capacity. All of the insurance plans listed below meet the standard J1 visa medical insurance requirements set by the U.S. Department of State. Some of the J-1/J-2 visa medical insurance plans are extendable while other plans are not. Most of the plans are comprehensive coverage plans, while others a few are fixed coverage plans. You should choose your J1/J2 visa medical insurance carefully as all of the plans offer different benefits.

Best Sellers

Comprehensive Coverage Plans

Recommended (Why?)
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ExchangeGuard®

Underwriter: Lloyd's

Coverage Availability: 5 Days to 1,456 Days

COVID-19 Included

After deductible, pays 100% to policy maximum, or
After deductible, pays 80% to policy maximum.
Outside PPO Network: After deductible, pays Usual, Reasonable, and Customary to policy maximum.

US Urgent care/Walk-in Clinic: $15 copay unless $0 deductible.

Direct Billing: Through United Healthcare PPO Network

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Patriot Exchange Program

Underwriter: Sirius International

Coverage Availability: 1 Month to 4 Years

COVID-19 Included

After deductible, pays 100% to policy maximum.

Direct Billing: Through United Healthcare PPO Network

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StudentSecure®

Underwriter: Lloyd's

Coverage Availability: 1 Month to 1,456 Days

COVID-19 Included

Elite: After deductible, pays 100% to policy maximum.
Select: After deductible, pays 80% to $5,000, then 100% to policy maximum.
Budget: After deductible, pays 80% to $25,000, then 100% to policy maximum.
Smart: After deductible, pays 80% to policy maximum.

Direct Billing: Through United Healthcare PPO Network

Minimize Maximize

Study USA - HealthCare

Underwriter: Lloyd's

Coverage Availability: 30 Days to 1,456 Days

COVID-19 Included

Standard: After deductible, pays 80% to policy maximum.
Preferred: After deductible, pays 80% to $25,000, then 100% to policy maximum.
Platinum: After deductible, pays 85% to $10,000, then 100% to policy maximum.

Direct Billing: Through United Healthcare PPO Network

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Atlas America®

Underwriter: Lloyd's

Coverage Availability: 5 Days to 364 Days

COVID-19 Included

After deductible, pays 100% to policy maximum.
US Urgent care/Walk-in Clinic: $15 copay unless $0 deductible.

Direct Billing: Through United Healthcare PPO Network

Acute onset of pre-existing conditions
coverage to policy max for ages <80

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Atlas Essential America

Underwriter: Lloyd's

Coverage Availability: 5 Days to 364 Days

COVID-19 Included

After deductible, pays 75% to policy maximum.
Outside PPO network: After deductible, pays Usual, Reasonable, and Customary out of network to policy maximum.

US Urgent Care/Walk-in Clinic: $15 copay unless $0 deductible.

Direct Billing: Through United Healthcare PPO Network

Minimize Maximize

Patriot Platinum America

Underwriter: Sirius Specialty Insurance Corporation

Coverage Availability: 5 Days to 3 Years

COVID-19 Included

After deductible, pays 100% to policy maximum.
Outside PPO Network: After deductible, pays 90% to $5,000, then 100% to policy maximum.

US-Urgent Care: Deductible waived, $25 copay; unless $0 deductible.
US-Walk-in Clinic: Deductible Waived, $15 copay; unless $0 deductible.

Direct Billing: Through United Healthcare PPO Network

Acute onset of pre-existing conditions
US Citizens: Maximum of $1,000,000 for up to age 64 with Primary Health Plan; $20,000 without. Ages 65-69: $2,500 maximum. Non-US Citizens: For ages < 70, up to $1,000,000

Fixed Coverage Plans

Limited Coverage (How?)
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VisitorSecure®

Underwriter: Lloyd's

Coverage Availability: 5 Days to 364 Days

Medical Evacuation and Repatriation Only Plans

Notes

Did you know?

Prices are regulated by law.

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

Learn More

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.

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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 are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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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.

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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.

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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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