Best health insurance for visa holders in US

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Schengen Visa

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Tourist visa health insurance USA

The US Visa is the document required for non US citizens (or Non Green card holders) to enter the United States. There are different Visa (Tourist Visa Health Insurance) categories depending the type of traveler, be it for work, study, business or vacation. These visa's are valid for multiple visits during a specified time period. The visas issued for visiting the US or immigrating to the US are listed below along with the health insurance needed for the American visa.

Travel health insurance for different US visas

Visitor Visa Insurance

Visitor Visa (B2 Tourist Visa)

  • Non US citizens in the USA with tourist visa are ineligible for domestic health insurance in the USA.
  • The safest way to secure oneself is buying US tourist visa medical insurance. These US tourist visa insurance are useful for vacationers to cover medical expenses.
  • Tourists can compare visitor visa insurance and buy the right US health insurance for tourist visa that best suits one's requirements.
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j1 visa insurance

J1 Visa Insurance

  • Exchange scholars to the USA can purchase J1 Visa Insurance and fulfil insurance requirements mandated by the US consulate.
  • US J1 visa health insurance covers the insured for medical expenses, emergency medical evacuation, prescription drugs expenses and accidental death and dismemberment...
  • J1 visa holders can compare popular J visa medical insurance offered by various insurers and buy online.
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J2 Visa Insurance

US J2 Visa Insurance

  • The J2 visa holders or dependents (spouses) of J1 visa holders require medical insurance while in the USA to cope with the exorbitant health care system.
  • The US consulate has mandated health insurance for the J2 dependents and this requirement is satisfied by J2 visa insurance plans we offer.
  • The coverage details of J2 visa insurance plan are available on the website.
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Fiancee Visa Insurance

K1 Visa or Fiancée visa insurance

  • A fiancée coming to the USA (man or woman) from a foreign country require K1 visa which also called as fiancée visa.
  • The insurance providers offer medical insurance for fiancées who come to the US with K1 visa permit.
  • K1 visa insurance covers the insured for medical costs incurred in case of an medical emergency.
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F1 Student Visa Insurance

US Student Visa (F1 visa) Insurance

  • International students in the USA with F1 visa and their dependents with F2 visa are eligible to purchase student medical insurance while staying in the US for their education.
  • To help students make an informed decision while buying F1 visa health insurance, we have designed a compare tool. Students can easily compare student medical insurance and buy a plan online.
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M2 visa insurance

M2 visa insurance

  • M2 visa is issued for dependents of M1 visa holders to USA.
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US immigrant Visa Insurance

US Immigrant Visa (Green card holders)

  • An immigrant is someone who is not a U.S. citizen but has been authorized to permanently live and work in the United States.
  • According to current American immigration law new immigrants will be eligible for domestic health insurance coverage only after five years stay in the USA
  • Immigrants can compare US immigrant health insurance plans online before buying them.
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h1b visa insurance

United States H1B Visa Insurance

  • H1B Visa insurance is required given the medical care costs are very high in the US and Canada.
  • You can buy short term insurance plan for the duration of your stay in the USA / Canada.
  • This US H1b health insurance will cover you for accident and sickness which includes medical care expenses such as Doctors visits, Hospital fees and Medicines.
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H4 visa insurance

H4 Visa Insurance

  • H4 visa health insurance is very important while staying in the USA.
  • Spouse and unmarried children under the age of 21 of H1B visa holders are considered visitors and US domestic health insurance plans are not applicable for them.
  • H4 visa health insurance is a need for the dependents of H1B visa holders to cope with the exorbitant health care system in case of a medical emergency.
  • Immigrants can compare H4 visa health insurance plans online before buying them.
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M1 Visa Insurance

M1 Visa Insurance

  • Students with M1 visa enrolled in vocational or technical colleges.
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f2 visa insurance

F2 Visa Insurance

  • F2 visa health insurance for Spouse or children of an F1 visa holder.
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b1 visa insurance

Insurance for B1 Visa Holders

  • US health Insurance for travelers with B1 visa on a business trip.
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P visa insurance

P visa insurance

  • A P visa holder is an international athlete, artist, or an entertainer in the United States.
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L1 visa insurance

L1 Visa Insurance

  • Health insurance for foreign L1 visa employees of an international company with offices in both the United States and abroad.
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R1 visa insurance

R1 Visa Insurance

  • Medical insurance for foreign R1 visa holders travelling to United States for service as a minister or other religious occupation
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insurance for green card holders

Insurance for green card holders

  • The ideal medical insurance for parents holding green cards will vary depending on the insured's age, the length of stay in the US, and the price you are willing to pay.
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E2 visa insurance

E2 Visa Insurance

  • US Visitors Medical Insurance for E2 Visa Holders.
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Tourist Visa Insurance

Tourist Visa Insurance

  • Tourist visas and travel medical insurance in the US
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insurance for spouse visa

Spouse visa Insurance

  • US travel medical insurance for spouse visa holders.
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O visa insurance

O visa insurance

  • O1 visa is a non-immigrant US visa for people with extraordinary ability in their area of expertise.
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I visa insurance

I visa insurance

  • I visa is a temporary visa which allows journalists and media segment professionals to work in U.S
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Q1 visa insurance

Q1 visa insurance

  • Q - nonimmigrant visa is issued for individuals who want to participate in international cultural exchange programs
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UK travel insurance

Travel insurance for Schengen visa

Schengen Visa Insurance

Schengen visa (required for non US citizens) allows travel or transit through 26 European countries (Germany, Spain, France, Italy, Greece, Portugal, Poland .....). However the Schengen state consulates insist on travel health insurance with the following requirements before issuing the Schengen visa.

  • Insurance providers should have an representative bureau in Europe
  • Medical evacuation and repatriation emergency cover of at least EUR 30,000
  • Insurance must be valid for duration of stay in the Schengen states
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Resourceful travel insurance information for new customers

Find the best travel insurance

Find out the best insurance for your budget and needs
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Claims process for expenses due to injury or sickness
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Travel insurance glossary

Commonly used international travel insurance terms
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Travel insurance for specific groups

Tourists, Cruises, Students, J1 visa, OPT status, Immigrants...
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Health insurance for visa holders in US - FAQ's

01. Do I need travel insurance for US visa? Is it mandatory to get health insurance for a US tourist visa?

The US government has announced in October 2019 that from November 2019 all new immigrant visa applicants should provide proof of proper health insurance in the US. This new rule will directly impact new immigrants visa applications to the US. The aim of this compulsory us consulate immigrant visa health insurance requirement is to reduce the burden on the US health care system by uninsured new US immigrants.

While this rule is aimed at those applying for immigrant visas, we hear that travelers even on other visas are expected to have proper short term medical insurance. The US short term health insurance plans offered here work ideally for all visas whether they are visitors, J visa, H1b Visas... to the US or new US immigrants. After purchasing health insurance for non-immigrant visa holder in USA, customers will receive the visitor immigrant insurance document by email. Customers can show this visitor immigrant insurance document as proof of US health insurance while applying for the tourist visa or Immigrant visa. Given the high cost of US healthcare for visitors and immigrants, it is in any event important for all tourists and new immigrants to buy adequate US health insurance.

02. Is visitor visa health insurance USA required?

Visitor visa health insurance is a necessity while in the US since US health care is very expensive. Not having tourist visa health insurance in usa can be financially catastrophic. Having visitor visa health insurance for USA visitors can be a huge relief which comes in handy during any major unexpected sickness or injury while in the United States. Tourists on the visitor visa are urged to buy the best health insurance for visitors to USA to have a safe stay in the country.

03. How to buy visitors insurance? How to find the best visitor health insurance?

There are many visitor health insurance plans for coverage in the USA offered by US insurance providers. Given the several US visitor insurance options, it can be confusing to find the best health insurance for travel to USA for your needs. What is very useful in making this decision is to compare travel insurance USA of different companies. The US travel insurance comparison allows travelers compare prices as well as coverage benefits in an objective manner.

The traveler can change relevant factors like the medical maximum coverage required, the US traveler insurance deductible, any US travel health insurance plans with coverage for pre-existing ailments, travel insurance USA coverage for Covid19... The global travel insurance comparison also allows travelers to buy the best travel insurance based on ones needs by completing an online application and paying using a credt card. One completing the purchase the travel insurance plan is emailed to the customer.

04. What is visitor visa insurance for the USA?

Visitor visa insurance for the USA is a type of travel medical insurance that provides coverage for individuals visiting the United States on a temporary basis. It protect visitors financially from unexpected medical expenses and other travel-related risks during their stay outside their home country.

Visitor visa insurance USA is short-term travel health insurance for foreigners visiting the US for a short visit, typically the duration of their US tourist visa. US visitor visa insurance provides coverage for family members like, parents, in-laws or tourists visiting the US and can cover medical expenses for illnesses, injuries, or accidents. Visitors visa insurance is needed for international travelers because the US healthcare costs are exorbitant and domestic insurance or Medicare will not cover visitors to the US. Visitor visa insurance can also apply for Schengen visa insurance which satisfies Schengen visa requirements for tourists visiting Europe. Visitors visa insurance can be bought on American Visitor Insurance online with ease and without any paperwork.

05. Is visitor visa insurance mandatory for traveling to the USA?

While visitor visa insurance is not mandatory by law for entering the USA on a tourist visa, it is still highly recommended. The cost of US healthcare is extremely high, and without insurance, visitors may be responsible for covering all medical expenses out of pocket in case of illness or injury. Some visa categories, such as J1, H1B, and F1 visas, may require visitor visa insurance for meeting insurance mandates either by US authorities or by educational institutes.

06. What does visitor visa insurance typically cover?

Visitor visa insurance covers medical expenses for illnesses and injuries that occur after the visitors visa insurance policy is in effect. This may include hospitalization, urgent care, intensive care, doctor visits, dental cover, evacuation and repatriation. Other benefits may include trip interruption, accidental death, loss or delay of baggage and passport theft. The coverage may vary depending on the plan and provider you choose, so you compare the best visitors visa insurance plans on American visitor insurance to understand the benefits and limitations of these plans.

07. Are pre-existing conditions covered by visitor visa insurance?

Visitors visa insurance coverage for pre-existing conditions will vary depending on the specific visitors insurance policy. INF visitor insurance plans offer coverage for pre-existing conditions, while some other visa insurance plans offer coverage only for acute onset of pre-existing conditions, while still others may exclude coverage for pre-existing conditions altogether. It is important to compare the different visitors visa insurance for pre-existing conditions on before buying it.

08. How long can visitor visa insurance coverage be purchased for?

Visitor visa insurance coverage can typically be purchased for the duration of the visitor's stay in the United States. Coverage can range from a few days to several months, depending on the visitor's travel plans. It is important to select a policy that aligns with the intended length of stay or one that can be extended if needed.

09. How do I choose the right visitor visa insurance plan?

When choosing a visitor visa insurance plan, it is recommended to compare the best visa insurance plans on American Visitor Insurance before making a decision.

Some factors to consider while finding the best visitors visa insurance for your needs are:

  • The coverage amount: This is the maximum amount that the plan will pay for eligible expenses. You may want to choose a higher coverage amount if you are travelling to a country with high healthcare costs or if you have a higher risk of medical emergencies.
  • The deductible: This is the amount that you have to pay out of pocket before the plan starts paying for eligible expenses. You may want to choose a lower deductible if you want to reduce your upfront costs or if you expect to use the plan frequently.
  • The co-insurance: This is the percentage of eligible expenses that you have to share with the plan after paying the deductible. You may want to choose a lower co-insurance if you want to reduce your out-of-pocket costs or if you expect to incur high medical bills.
  • The coverage benefits: These are the specific types of expenses that the plan covers, such as hospitalization, doctor visits, prescription drugs, dental care, evacuation, repatriation, etc. You may want to choose a plan that covers the benefits that are most important or relevant to you.
  • The exclusions: These are the specific types of expenses that the plan does not cover, such as pre-existing conditions, preventive care, maternity care, sports injuries, etc. You may want to avoid plans that exclude the expenses that you are likely to incur or that are essential for your health.
  • The PPO network: This is the group of providers that the plan has contracted with to offer discounted rates and direct billing. You may want to choose a plan that has a large and accessible network of providers in your destination country or that allows you to use any provider of your choice.
  • The customer service: This is the quality and availability of support that the plan offers to its customers. You may want to choose a plan that has a 24/7 helpline, online claim filing, mobile app, etc.
  • You can compare different visitor visa insurance plans online on

  • 10. How much does visitor visa insurance for the USA typically cost?

    The cost of visitor visa insurance for the USA varies depending on several factors, such as:

    • The type of plan: There are two main types of plans – limited or fixed benefit plans and comprehensive plans. Limited benefit plans are cheaper but offer lower coverage and more exclusions. Comprehensive plans are more expensive but offer higher coverage and fewer exclusions.
    • The age of the traveler: Older travelers are more likely to incur higher medical expenses, so they have to pay higher premiums for visitor visa insurance.
    • The coverage amount: This is the maximum amount that the plan will pay for eligible expenses. Higher coverage amounts mean higher premiums.
    • The deductible: This is the amount that you have to pay before the plan starts paying for eligible expenses. Higher deductibles mean lower premiums.
    • The co-insurance: This is the percentage of eligible expenses that you have to share with the plan after paying the deductible. Higher co-insurance means lower premiums.
    • The duration of stay: Longer stays mean higher premiums as there is more risk of medical emergencies.

    On average, it can range from 4% to 10% of the trip cost. However, it is important to compare quotes from insurance providers on to get the best cost estimate.

    11. How can I purchase visitor visa insurance for the USA?

    Visitor visa insurance for the USA can be purchased online on . Here the visitors visa insurance plans offered by the well known US companies are compare and objectively listed based on costs and coverage benefits.

    The steps involved to buy the insurance are:

    • Compare different plans and prices based on your needs, preferences, and budget on
    • Choose a plan that meets your requirements and the visa criteria.
    • Fill out an online application form with your personal and travel details.
    • Pay the premium online using a credit card or other payment methods.
    • You will receive a confirmation email with your policy number and other details.
    • Print out your policy document and insurance card. You will need to show these documents when applying for your visa and when seeking medical care in the USA.

    12. What documents do I need to purchase visitor visa insurance?

    Generally, you will need to provide information such as the travelers name, date of birth, passport details, and travel dates to purchase visitor visa insurance. You may also need to provide the details of your Accidental Death and Dismemberment (AD&D) beneficiary. You should have your passport and visa handy when filling out the online application form. You should also have a valid credit card ready to pay the premium online.

    13. Can visitor visa insurance be extended if my stay in the USA is prolonged?

    Some visitor visa insurance plans offer the option to extend coverage if your stay in the USA is prolonged beyond the original policy duration. However, this is not always guaranteed, and it is important to check the terms and conditions of your policy or contact the insurance provider directly to inquire about extension options. You can request the extension online by logging into your account on the visitors visa insurance provider's website and following the instructions. You will receive a confirmation email with your new policy details and expiry date on completing the extension application payment.

    Best Travel insurance with Pre-existing Conditions Coverage

    Pre-existing condition is a medical ailment that existed before the start of the travel insurance policy.Pre-existing condition is a sudden relapse of the pre-existing condition without advance warning which requires medical attention within 24 hours. As of a few years ago, companies now exclude chronic illnesses from this "Pre-existing condition" coverage which has deep impacts to people purchasing travel health insurance, particularly people with these conditions and older travelers.

    Travelers with pre-existing conditions always find it hard to buy travel health insurance. There are various conditions that are considered as pre-existing diseases but some of common ailments in this category are asthma, food & drug allergies, environmental allergies, heart related issues, high blood pressure, kidney disease, cancer, and diabetes. Typically all insurance providers have their terms and conditions for the pre-existing condition coverage provided. Most do not cover anything related to a pre-existing condition. Travelers can buy a travel insurance policy without a medical check, however most insurance providers only provide coverage for pre-existing conditions which excludes chronic illnesses, like cancer, diabetes, and heart conditions. With the pre-existing condition there is a "look back" period of 60-180 days to determine the claim.

    Some insurance providers offer travel insurance for pre-existing conditions with fixed or limited coverage which may be suitable for people without chronic illnesses, like food allergies and certain asthma conditions. The Safe Travels USA, Safe Travels USA Cost Saver, and Safe Travels USA Comprehensive all offer $1000 coverage for pre-existing conditions without limitation to chronic illness. If travelers have a medical condition they are concerned about, it is very important for them to buy a policy that includes the illnesses in the coverage and to be aware of the terms of pre-existing condition coverage.

    INF is one of the few companies which offers travel insurance plans for travelers with full coverage for pre-existing ailments. They define pre-existing conditions differently and do not exclude chronic illness. First of all, if the person has had no flare up or change in their condition, even if they take medication for it (as long as there has been no change in medication) for 12 months prior to the start of the plan, then the plan does not consider it as a pre-existing condition. If there has been a flare up or change in the condition, then it is covered but at a lower maximum than the overall maximum of the plan and may be subject to a higher deductible.

    They have two plans which have this coverage: INF Premier and INF Elite. The Premier plan is a fixed plan which has limitations on the coverage of each medical expense. The Elite plan is an 80/20 comprehensive plan (the plan pays 80% and the insured 20% after the deductible). INF offers the best travel insurance for pre existing medical conditions but the difference is reflected in the cost, particularly in the Elite plan. Note that regularly needed maintenance medications or treatments are still not covered with these plans, only if there is a new problem will there be coverage. However, the problem does not need to be life-threatening or acute. Travelers with pre-existing conditions should weigh these options to reduce their risk of high medical costs should they suffer from one of their conditions while traveling. Note that the plans need to be purchased for at least 90 days, so these are more suitable for longer term stays in US, Canada, and/or Mexico. Also, the plans may be purchased by green card holders as long as they have a non-US residence address. The Elite plan has several variations : INF Elite, Elite Plus and INF Elite 90.

    To compare the best travel insurance for full pre-existing conditions plans offered by INF, use this link: INF Premier & INF Elite best travel insurance for pre-existing conditions.

    Travel insurance for foreigners in USA

    Even as the threat of the Covid19 has reduced across the globe, the Covid situation remains fluid and is made more complicated with influenza and the respiratory syncytial virus (RSV) which are also spreading earlier and faster than usual in the US.

    Given the pandemic, the Ukraine war and staffing disruptions in different airports across the globe, international travelers are understandably more concerned about safety while traveling. There is now an increased demand to buy the best visitors travel insurance.

    Travel Insurance with covid coverage for visiting USA

    To protect the trip it is advisable to get travel medical insurance with wide benefits like, trip cancellation, cancel for any reason, quarantine coverage, travel delay or interruption, baggage or personal belongings loss, medical expenses of COVID19, emergency medical evacuation and repatriation etc...

    At American visitor insurance travelers can choose from a wide range of choices that cater to different travel and medical needs. Travelers can compare and add on benefits according to their specific requirement. Feel free to give us a call or email us and one of our customer support licensed agents will be able to help you.

    Cheap Covid travel insurance for visiting USA

    Trawick International insurance

    Trawick International offers visitor medical insurance for coronavirus with their Safe Travels USA Insurance. The Safe Travels USA Comprehensive plan is ideal for travelers with pre-existing medical conditions even for travelers older than 70 years. Travelers can compare Safe Travels USA Covid19 travel insurance plans and buy it online to get coverage as early as the following day. Travelers can also download a visa letter which indicates that Safe travels USA visitors insurance covers covid19 illness.

    International Medical Group (IMG) insurance for Covid19

    International Medical Group (IMG) travel insurance offers coronavirus insurance for USA with the Patriot America Plus and Patriot Platinum insurance plans. The Patriot America Plus Insurance and Patriot America Platinum insurance include COVID coverage like any other illness up to the policy maximum.

    Global Underwriters US visitor insurance

    Diplomat America travel insurance by Global Underwriters offers coverage for covid19 as a new sickness. It is available for Non-US citizens or residents traveling to the US. Diplomat Long term Covid19 medical insurance must be bought for a minimum of 3 months and has a plan maximum options of $500,000 and $1,000,000 for medical expenses. You can compare Diplomat insurance for visitors to USA.

    Seven Corners visitors medical insurance

    Travel Medical Plus Insurance offered by Seven Corners includes health insurance treatment benefit for COVID19 (the disease); SARS-Cov-2 (the virus); and any mutation or variation of SARS-CoV-2.

    Please know we are here to help you make the best, informed decision to get coverage even for COVID19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

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