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What is J1 Visa Insurance?

A J-1 visa is a short-term, non-immigrant visa issued to international visitors by the United States. The visa permits approved individuals to enroll in work-and-study-based exchange programs in order to teach, study, conduct research, or receive on-site job training in the USA. Their dependents can travel on a J2 visa.  

For Exchange Visa (J1 and J2 type) holders in the US, health insurance is not an option but a requirement to keep the visas valid. J1 visa health insurance plans must meet certain health insurance requirements laid down by the Department of State. The insurance must provide coverage for medical expenses, evacuation as well as repatriation.  

Once you apply for insurance here, J1 visa health insurance coverage can begin on the date you specify, as early as the next day. Easy online application and purchase using a credit card. No medical tests are required to apply for these plans. Applications require details of name, date of birth, address, and sometimes passport number. Confirmation including ID Cards is received immediately by email. If the sponsoring organization requires a waiver form to be completed our experienced service team can complete the form and send it to the Exchange Visa sponsoring organization. 

Applying for j visa and exchange visa medical insurance
exchange-visa-insurance - insurance-requirements-for-the-j1-visa

What are the Insurance Requirements for the J1 Visa?

  • US Department of State has a set of minimum insurance requirements for the J1 & J2 visa but sometimes the sponsoring organization may have additional insurance requirements for exchange students, scholars, and Au Pair. So, please check if your sponsor (school, university, or work-exchange organization) indeed has special requirements.
  • As per the US government (22 CFR 62.14), the following are the new J1 visa insurance requirements:
  • Medical benefits of at least $100,000 per accident or illness
  • Repatriation of remains of at least $ 25,000
  • $50,000 in expenses associated with the medical evacuation of the exchange visitor to his or her home country
  • A deductible not to exceed $500 per accident or illness
  • Plan to be underwritten by an insurance corporation with: An A.M. Best rating of “A-” or above, or An Insurance Solvency International, Ltd. (ISI) rating of “A-I” or above, or A Standard and Poor’s Claims Paying Ability rating of “A-” or above, or A Weiss Research, Inc. rating of B+ or above.

Exchange Visitor Insurance Plans  

Our J visa insurance comparison facility above will permit you to compare suitable plans, benefits, exclusions, premiums, benefits, and policy cancellation terms. Simply answer the question and click on “Get Quote”.  

Several qualifying plans allow you to seek help at any hospital or provider and offer special incentives (cashless claims settlement, waiver of the deductible) if the insured member avails services from healthcare providers within a preferred PPO network of hospitals and facilities.    

J1 Visa Student Insurance USA Cost 

Exchange Student Age

Plan Medical Limit

Exchange Student Premium
with a $500 deductible

18 – 29 years

$100,000

$47 per month

18 to 29 years

$100,000

$61 per month

30 to 39 years

$100,000

$62 per month

Know Before You Buy Your J Visa Insurance 

Having J1 visa medical insurance is required for the immigration process but is very important if you had an injury or fall sick or if you are involved in an accident. Medical care in the US is one of the most expensive and without insurance medical bills could cost up to hundreds of thousands of dollars without insurance, depending on the ailment.  

Patriot Exchange is an ideal plan for students studying abroad or participants of cultural exchange programs. The purpose of the Patriot Exchange insurance program is to meet the U.S. J2 and J1 visa health insurance requirements for individuals and groups of five or more who are studying abroad or participating in cultural exchange programs. The plans are available in monthly increments with a variety of plan maximums and add-on options.  

There is a strong chance that you will never need your exchange student health insurance. However, remember it is a requirement for obtaining a J1 or J2 visa. Examine the many J1 visa health insurance plans for eligibility, coverage, exclusions, and price. Choose wisely and enjoy your travel experience! 

How to Apply for Exchange Visa Insurance

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Check Available Plans

Complete the quote form above to see plans catered to your specific needs. hhh

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Compare Plans

Compare insurance plans, considering pricing, coverage amount, benefits, and exclusions

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Apply For a Plan

Purchase a plan from one of our trusted insurance providers

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Email Confirmation

Check your email for Insurance documents.

Considerations for Purchasing J1 Insurance

US Department of State has a set of minimum insurance requirements for Scholars, Students, and Au Pair on J1 & J2 visa but sometimes the sponsoring organization may have additional insurance requirements for exchange students. So, please check if your sponsor (school, university, or work-exchange organization) indeed has special requirements.  

Our J visa insurance comparison facility on this page will permit the user to compare suitable plans, benefits, exclusions, premiums, benefits, and policy cancellation terms. Several qualifying plans allow you to seek help at any hospital or provider and offer special incentives (cashless claims settlement, waiver of deductible) if the insured member avails services from healthcare providers within a preferred PPO network of hospitals and facilities.  

The student health insurance plans are intended for:  

  • J1 and J2 visa holders  
  • Au pairs, interns and trainees  
  • Government employees and cultural exchange participants  
  • Individuals and groups participating in international student programs  
  • International graduate students, scholars, and educators  
  • Dependents of international study program participants 

Understanding the Requirements 

What is Evacuation?

Emergency Medical Evacuation covers transportation to the nearest hospital that is qualified to provide the Medically Necessary Treatment to prevent the Insured Person’s loss of life or limb. 

What is Repatriation?

If a covered illness/injury results in a death, expenses for repatriation of bodily remains or ashes to the country of residence. 

What is Medical Maximum?

The maximum amount that the policy will cover for treatment of an injury or illness. 

J1 Visa Insurance Exclusions 

Typically, pre-existing medical conditions (i.e. diabetes, high blood pressure, kidney disease, etc.) are either fully excluded or may have certain limited benefits based on the particular policy. Most plans will not cover for the following: 

  • Preventative care
  • Eyecare
  • Foot care
  • Infertility and birth control
  • Sport-related injury
  • Injury or death from catastrophic events
  • Suicide
  • Cosmetic and experimental procedures
requirements for J visa medical insurance video

Types of Insurance Options for J2 Visa Holders 

J2 visa holders need to also meet the same minimum insurance requirements as the J 1 visa holder. The dependent J2 visa holder may be eligible for an individual or for a group policy depending on the sponsoring organization. There are various ways these dependents can consider insurance:  

  • Individual Insurance– Sponsors may or may not provide J visa holders with coverage, or they could only provide the J1 visa holder with insurance options and not the J2 dependents. In such situations, these scholars, exchange students, Au Pairs will be required to maintain insurance coverage throughout their time in the US and can purchase individual insurance instead. 
  • Sponsor Provided Insurance-The sponsoring organization might provide J2 spouses and children the option to enroll in their group insurance which will meet the above minimum requirements. 
  • Insurance through Employer – At the place of work, J1 or J2 visa holders sometimes may have their employer offer insurance coverage through their group policy. 

Exchange Visitor FAQ

A J1 visa is a type of nonimmigrant visa. The primary goal of this type of visa is to encourage the development of relationships between the U.S. and other nations. This program is overseen by the U.S. Department of State (DOS). Visitors who participate in the J1 exchange visitor program can travel to the U.S. for the duration of their programs. Many government-approved sponsors offer programs across fifteen different categories. These categories are Trainee, Teacher, International travel for summer work, Specialist, Short-term scholar, Secondary, school student, Research scholar, Professor, Physician, International visitor, Intern, Government visitor, College and university international student, Camp counselor, Au pair. Participants through these sponsor programs require to meet a minimum requirement of J visa health insurance. This health insurance could be on an individual or group basis.  

If you do plan to travel outside the US during the program, you should get in touch with your sponsor for a travel validation signature before you leave the US. In the event you travel outside the US after the end of the program in the 30 day grace period, your J visa and your DS-2019 will have expired and re-entry into the US will be possible with a new J visa through a new program. Will you be covered by your insurance policy when you travel outside the US will depend on the policy you have bought. The J visa insurance plans bought on this site can offer you coverage during your short trips outside the US. It is a good idea to call to confirm before your travel.  

It would depend on the eligibility criteria for that policy. It is best to talk to the insurance administrator to find out the eligibility for the plan. On this site, there are various options available for J2 visa holders. These plans meet the minimum requirement in order to participate in the programs. Patriot Exchange is one of the plans that meets this requirement. 

J1 visa holders and their dependents are required to have adequate health insurance in order to participate in the programs. During the time the J visa holders are on the program, the program sponsors must ensure that the J visa exchange visitors have insurance that includes minimum coverage and benefits that cover them for sickness or accidents during the duration of the program. These minimum requirements are  

  • Medical benefits of at least $100,000 per accident or illness  
  • Repatriation of remains coverage amounting to $25,000  
  • Expenses associated with the emergency medical evacuation of the exchange visitor to his or her home country in the amount of $50,000  
  • A deductible of no more than $500 per accident or illness  

J1 visa insurance policies must also be underwritten by an insurance company that possesses one of the following:  

  • An A.M. Best rating of “A-” or above;  
  • An Insurance Solvency International, Ltd. (IS) rating of “A-1” or above;  
  • A Standard and Poors Claims Paying Ability rating of “A-” or above; or  
  • A Weiss Research, Inc. rating of B+ or above.  

Sponsors need to ensure that their J1 visa program participants and their dependents have health insurance that has the above listed J visa insurance requirements and is backed by the full faith and credit of the government of the participant’s home country.  

Dependents of J1 visa holders accompanying them to the US during their J1 visa program are subject to the same J visa insurance requirements. J2 visa holders, dependents of the J1 visa holders are required to have health insurance coverage throughout their stay in the US.  

If J1 or J2 visa holders fail to meet the necessary medical insurance requirements, it may be result in termination from the exchange program.  

J1 as well as H-1B are both temporary nonimmigrant visas. These visas allow foreign nationals to live and work in the U.S. The J1 is based on programs while the H-1B uses employers as sponsors. You can change J1 visa to a working H-1B visa however there are various pro’s and con’s in doing so. Be sure to understand all the requirements, advantages and disadvantages for this changing J1 to working visa.  

Annual multi-trip plans can work best for businessmen, executives and frequent overseas travelers. These plans provide coverage for a whole year and are typically cheaper than buying single trip travel insurance plans. Annual trips however may have limits on the length of trip ranging from 15 to 45 days or more depending on the policy you choose. A single trip insurance may be better if you do not travel frequently.  

As a J-visa holder, if you do plan to travel outside the US during your program, it is a good idea to first check if your policy does cover you outside before you opt for another insurance.  

US Department of State has a set of minimum insurance requirements for J1 & J2 visa. The health insurance coverage for J1 visa provide per injury/sickness coverage with the following minimum requirements to be met:  

  1. Medical benefits of at least $100,000 per accident or illness  
  1. Repatriation of remains coverage amounting to $25,000  
  1. Expenses associated with the emergency medical evacuation of the exchange visitor to his or her home country in the amount of $50,000  
  1. A deductible of no more than $500 per accident or illness  

J1 visa health insurance policies must also be underwritten by an insurance company that possesses one of the following:  

  • An A.M. Best rating of “A-” or above;  
  • An Insurance Solvency International, Ltd. (IS) rating of “A-1” or above;  
  • A Standard and Poors Claims Paying Ability rating of “A-” or above; or  
  • A Weiss Research, Inc. rating of B+ or above.  

The J visa health insurance plans provide the above but sometimes the sponsoring organization may have additional insurance requirements for exchange students.  

It is always a good practice to have travel insurance when traveling outside your country.  

There are various insurance companies that provide J visa health insurance. You can answer the questions on the top of the page to compare the various J visa health insurance options available to you after which you can complete the application online and complete the purchase. 

It is always recommended to buy US medical insurance for foreigners visiting the US from India as opposed to travel insurance from India. US hospitals recognize and are familiar with the network providers and US insurance providers. Doctor offices and hospitals find it easier to bill direct directly to the insurance company there by making it easy and providing cash less services wherever possible.  

With the US Health Care costs in mind, US insurance companies have designed the policy benefits to suit the needs of visitors from India to the US. US insurance plans have a wide range and choice of policies may it be younger or elderly visitors.  

The intention of a Summer Work Travel program is to provide foreign students with an opportunity to live and work in the United States during their summer vacation from college or university to experience and to be exposed to the people and way of life in the United States.  

Summer Work and Travel students must be:  

  • · Sufficiently proficient in English to successfully interact in an English speaking environment  
  • · Post-secondary school students enrolled in and actively pursuing a degree or other full-time course of study at an accredited classroom based, post-secondary educational institution outside the United States  
  • · Have successfully completed at least one semester or equivalent of post-secondary academic study  
  • · Pre-placed in a job prior to entry unless from a visa waiver country  

Once you fulfill the above and are able to participate in a program, you will need a summer work travel insurance. you can compare the plans on this site to fulfill the summer work travel insurance requirements.  

You can purchase visitors insurance any time before the visitor starts the journey or even after they arrive in the US. It is a good practice to buy the policy in advance so the journey may also be covered (based on the policy). For some reason if you did not complete the application before your travel, you can purchase visitor insurance on reaching the US. The coverage can begin as early as very next day, and the documents can be emailed to you immediately after purchase  

The Summer Work and Travel program lasts up to a maximum of four (4) months. Participants may not work at any other time except during the period indicated on the DS-2019 form.

In Germany, it is compulsory for host families to pay for insurance for their Au Pairs. The Au Pair insurance must comprise travel health insurance, liability insurance and accident insurance. Patriot Exchange provides per incident coverage for hospitalization, intensive care, surgery and prescription drugs up to the chosen policy maximum. It includes coverage for accidental death and dismemberment as well as personal liability.  

Insurance is one of the requirements when you stay abroad, as medical help can be expensive. Requirements may vary based on the Au Pair’s citizenship, length of stay and chosen host country.  

Some countries require the host family to take care of the insurance coverage for their Au Pair, some require them to register with a private healthcare insurance while some countries might need them to enroll in the National Health Care System. It is important to find out what the requirements of the host country are and accordingly look for an insurance. In the US, Au Pair’s have been designated by the U.S. Government as an Exchange Visitor Program, enabling participants to use the J1 visa. Patriot Exchange is a popular plan meeting the minimum requirement for individuals on a J visa  

Having health insurance and an Au Pair contract outlining the work provide a legal and safe stay in Germany. Au Pairs can consider private Health insurance. The Host family must cover the insurance costs. Au pairs will need to show the insurance confirmation to the German Embassy as well as when you enter the country. You can consider the Comprehensive plan options for health insurance  

Every insurance policy is different. Depending on the policy you opt for pandemics like coronavirus may be excluded. Safe Travel USA Comprehensive policy is a policy that treats covid-19 as any other illness and has not excluded treatment as long as it is not a pre-existing condition.

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