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When selecting a J1 visa insurance plan, consider factors such as coverage limits, deductible amounts, network of providers, pre-existing condition coverage, and additional benefits such as mental health services or sports coverage. It's essential to choose a plan that meets the requirements set by the U.S. Department of State.

  • Minimum Coverage Limits: J-1 visa holders and their dependents must have medical benefits of at least $100,000 per accident or illness.
  • Repatriation of Remains: The insurance policy must cover repatriation of remains in the event of death, with benefits of at least $25,000.
  • Medical Evacuation: The insurance policy must cover medical evacuation to the individual's home country in case of serious illness or injury, with benefits of at least $50,000.
  • Deductibles and Co-Insurance: The insurance policy must have a deductible not exceeding $500 per accident or illness and coinsurance not to exceed 25% of covered benefits per accident or illness.
  • Coverage Duration: The insurance coverage must be maintained for the entire duration of the J-1 visa holder's program in the United States, including any periods of authorized academic training.
  • Insurance Provider Rating: The insurance policy must be provided by an insurance company with an A.M. Best rating of "A-" or above, an Insurance Solvency International, Ltd. (ISI) rating of "A-I" or above, a Standard & Poor's Claims-paying Ability rating of "A-" or above, or a Weiss Research, Inc. rating of "B+" or above.
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    Information provided here in the form of Questions and Answers is for general purpose only and may not be current and accurate at all times. Insurance terms and conditions, benefits, and coverage are subject to change at any time. For this reason, it is possible that the information given here could be outdated or incorrect. VisitorsCoverage inc. assumes no responsibility or liability for the accuracy of these answers. Any use of the information on our website is subject to our Terms and Conditions and User Agreement. It is recommend that you review the latest Evidence of Coverage and Plan Contract (Policy) for a detailed description of coverage benefits, limitations, and exclusions. Please read the Policy Brochure and Plan Details for complete and accurate information. Only the Terms and Conditions of Coverage listed in a particular policy are binding.