Visitor Health insurance for K1 Visa holders
What is K visa Insurance USA?
Fiancee insurance USA is travel insurance that can be purchased for travel in the US and for travel outside one’s home country. K visa Insurance provides coverage for unexpected health care expenses due to accident or sickness while traveling. Travelers can compare and buy the best US travel insurance plans at American Visitor Insurance.
Fiancee Visa Medical Insurance in the USA
The Fiancee K-1 Visa is a special visa issued by the US government for foreign Fiancees of US citizens and is valid for 90 days. Visas for Fiancees of U.S. Citizens allow the Fiancee to remain in the USA till they are marry their American partners, even though they are not considered residents of America. You can find the most appropriate K1 Visa Health Insurance plan for your needs by getting quotes using our user friendly compare Fiance K1 Visa Medical Insurance.
- The health care system in the USA is very expensive and it is risky for fiancees to remain uninsured till they get US residency and beome eligible for local insurance options.
What does K1 Visa insurance cover?
Health care expenses
Covers hospital expenses for sickness or accidents.
Know more »Pre-existing conditions
Some plans insure acute onset of pre-existing conditions.Know more »
How much is Fiancee insurance in USA?
The cost of the travel insurance for US K visa holders ranges between $19 to $172 per month, based on the age of the insured, the maximum of the policy, the deductible on the policy, and the number of days of the trip. With visitor insurance, you can choose a fixed or a comprehensive plan. A fixed or limited benefit plan is generally much cheaper than a comprehensive plan because the plan has limits on what it pays out for each medical expense. The comprehensive plan is more expensive because it offers more complete coverage of medical expenses to the medical maximum.
How much does visitor health insurance USA cost?
How much is medical insurance for tourists in the US?
Healthcare in the U.S. is extremely expensive, and without good travel health insurance, even a simple doctor’s visit can become a financial burden. In 2025, the cost of travel health insurance for visitors to the US ranges between $19 to $172 per month, depending on the age, the insurance company, the type of visitors insurance, the coverage limits, and whether you want coverage for pre-existing conditions. If you are looking for a cheap option, some plans cost as little as $1 to $5 per day, making it an affordable way to stay covered.
Why is travel insurance USA is so important? A routine doctor’s visit can cost between $250 to $350, while a heart attack will leave you with a bill of at least $25,000. If you need to stay in the ICU after a stroke, the cost can exceed $150,000. Even something as routine as an echocardiogram ranges from $1,500 to $4,000, depending on where you get it. Emergency treatments for conditions like diabetes complications cost anywhere from $3,500 to $7,000, and if you need treatment for kidney failure, expect to pay over $30,000.
How much does cheap visitor insurance in USA cost?
Cheap visitor health insurance for visitors to USA starts at $19 per month for fixed benefit plans.
Following is the cost of visitor insurance per month.
| Plan Name | Plan max range | Deductible | Age 35 | Age 55 | Age 75 |
|---|---|---|---|---|---|
| Safe Travels Advantage | $25,000 - $150,000 | $0 | $19 - $54 | $29 - $82 | $59 -$160 |
| Visitors care | $25,000 - $100,000 | $100 | $25 - $44 | $30 - $65 | $66 - $152 |
| Safe Travels Elite | $25,000 - $175,000 | $0 | $25 - $71 | $36 - $110 | $105 - $150 |
| Venbrook Essential | $25,000 - $150,000 | $0 | $25 - $74 | $36 - $105 | $66 - $142 |
| Visit USA Budget | $50,000 - $150,000 | $250 | $30 - $49 | $42 -$74 | $81 |
| VisitorSecure | $50,000 - $130,000 | $100 | $31 - $55 | $46 - $84 | $93 - $135 |
| Travel Medical USA visitor basic | $50,000 - $150,000 | $100 | $39 - $47 | $56 - $68 | $178 - $196 |
How much does the best comprehensive visitor insurance cost per month?
The cost of comprehensive visitor insurance starts around $53 month, depending on factors such as age, coverage limits, deductible, and optional add-ons. Higher-tier plans with extensive coverage, including pre-existing condition benefits and lower deductibles, tend to be more expensive. On average, a good comprehensive health insurance plan costs $58 to $108 per month for a 35 year old traveler.
Following are the cost of best health insurance for visitors to USA per month for a $250 deductible.
| Plan name | Plan maximum | Age 35 | Age 55 | Age 75 |
|---|---|---|---|---|
| Atlas Essential America | $50,000 - $1,000,000 | $53 - $98 | $117 - $200 | $244 - $326 |
| Visitors Preferred | $50,000 - $1,000,000 | $53 - $99 | $123 -$231 | $244 |
| Patriot America Plus | $50,000 - $1,000,000 | $57 - $106 | $124 - $235 | $279 - $420 |
| Safe Travels USA | $50,000 - $1,000,000 | $57 - $103 | $123 - $227 | $244 - $321 |
| Venbrook Premier | $50,000 - $1,000,000 | $58 - $104 | $129 - $240 | $352 - $437 |
| Atlas America | $50,000 - $2,000,000 | $58 - $114 | $127 - $253 | $344 - $429 |
| Safe Travels USA Comprehensive | $50,000 - $1,000,000 | $66 - $122 | $143 - $269 | $285 - $455 |
| Atlas Premium America | $50,000 - $2,000,000 | $72 - $142 | $158 - $316 | $430 - $537 |
| SafeVista Comprehensive | $100,000 - $1,000,000 | $76 - $97 | $158 - $225 | $320 |
| Diplomat America | $50,000 - $1,000,000 | $81 - $142 | $176 - $303 | $342 |
| Travel Medical Choice | $50,000 - $1,000,000 | $98 - $173 | $186 - $333 | $736 - $1,000 |
| Patriot America Platinum | $1,000,000 - $8,000,000 | $108 - $226 | $240 - $494 | $604 |
| Visit USA Superior | $250,000 | $112 | $233 | $404 |
Visitor health insurance for USA
Review US visitor insurance plan benefits.
How much does 6 month medical insurance for visitors to USA cost?
For a 60 year old traveler, the cost of USA visitor insurance for 6 months typically ranges around $122 to $1,050, based different coverage options, medical needs, and traveler’s budget on American Visitor Insurance. The best 6 month USA travel insurance is the one which is affordable, reliable and allows the traveler stress free. From ER visits to urgent care, stay covered for 6 months in the U.S starting from just $1.50/day!
What is the best health insurance for K visa holders?
Travelers entering the U.S. on a K-1 fiancée visa need short-term travel medical insurance to cover them during the period before marriage and adjustment of status. The best K visa insurance plans are Patriot America Plus and Atlas America offering comprehensive coverage for medical emergencies and the acute onset of pre-existing conditions.
American travel insurance reviews
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Factors that determine the cost of US Fiancee visa travel insurance plans
Types of US Fiancee travel insurance
Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance.
Age of the Fiancee visa holder
The cost of health insurance is directly proportional to the age of the applicant. The older the traveler and greater will be the cost of the Fiancee visa health insurance in USA.
Medical maximum coverage and deductible options
The price of medical insurance for US Fiancee visa is directly dependant on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.
Region of coverage
Travel insurance for US Fiancee visa depends on the coverage region. The cost for health insurance for the United States is most expensive.
Duration of US visa insurance for Fiancee visa
The longer the duration of medical insurance required, the higher will be the cost.
Any add on benefits
Additional add-on benefits to the basic travel insurance plan like adventure sports coverage, coverage for pre-existing conditions… will add to the overall cost.
Fiancee visa insurance
Travel Medical Insurance
For short-term coverage until your wedding and a fiancee can be placed on their spouse’s insurance policy
Read more »Long term Insurance
Major medical insurance coverage if you don’t have any domestic options
Read more »Fiancee visa health insurance - Faq's
1. Do I need health insurance for my fiancee visa?
Health insurance is usually a requirement for the K1 fiancee visa application process. The US government wants to ensure that the foreign fiancee will not become a burden on the healthcare system. K1 visa applicants for the fiancee visa can compare and buy good fiancee insurance on American Visitor Insurance.
2. What are the minimum coverage requirements for fiancee visa health insurance?
The minimum coverage requirements generally include coverage for hospitalization, emergency care, and outpatient services. K1 visa applicants can compare visitors medical insurance plans on American Visitor Insurance to compare coverage details and ensure that your chosen plan satisfies your requirements.
3. Can I use international health insurance for my fiancee visa?
Some international health insurance plans may be accepted for the fiancee visa application, however it is safer to buy US plans and to confirm with the U.S. embassy in your home country. American Visitor Insurance works with top US insurance providers who offer K1 fiancee visa insurance.
4. How long should the health insurance coverage be for the fiancee visa?
The fiancee visa health insurance coverage should be valid for the full length of the fiancee visa process. This typically is between 6 to 9 months. It is very important to ensure that the fiancee visa insurance does not expire before the visa is approved.
5. What happens if I do not have health insurance for the fiancee visa?
If you do not have health insurance that meets the minimum coverage requirements, your fiancee visa application may be denied. It is important to ensure that you have the necessary fiancee visa health insurance in place while submitting your application.
6. Does US Fiancee visa insurance cover covid19?
There are some USA Covid travel insurance plans available for Fiancee visa holders that cover covid19 as a new illness. Fiancee visa Holders in USA can compare best Fiancee visa Covid health insurance plans and buy coronavirus coverage insurance online.
These US Fiancee visa covid travel insurance offer coverage for medical expenses for treatment of Coronavirus treatment while in the USA.
7. Which is the best plan for my Fiancee on a K1 Visa?
All travel medical insurance policies that visitors to the U.S purchases are also suitable for those on K visas until they obtain a Green card. There are many insurance plans that travelers with K visa can purchase.
Travelers can compare numerous plans for prices and benefits from the comparison tool above according to their requirements. Travelers can also get instant policy documents by Email.
8. I am travelling with my Fiancee to the USA soon, Can I include her on my travel insurance policy or purchase separate policies?
While travelling along with the Fiancee travelers should purchase 2 separate policies. Legally married Spouse can be included in the single policy document. The pricing and benefits will remain the same weather it’s a combined policy or 2 separate policies.
It would be beneficial to buy two separate policies as any changes that require to be made can be done easily independently on each policy. In a combined policy, making any changes for one insured may become an issue.
9. Can a fiancee get health insurance in USA?
Yes. Fiancee visa holders can buy travel health insurance in the US. We recommend the travel insurance for K visa holders be purchased from the day they leave their home country until they return, however, most companies allow you to purchase it even after the traveler has already started their journey.
10. How does US health insurance for K visa work?
K1 visa medical insurance is for unexpected medical expenses while on your trip. Many travel insurance for K visa plans also cover baggage loss/ delay, trip delays, and have other benefits to help travelers with unexpected problems (loss of documents, etc). Since they are meant to be used in an emergency, you can use any doctor/hospital. In a non-emergency situation, you should consult your documentation and try to stay in-network (if applicable) while in the US since this will likely help defray your out-of-pocket cost.
11. What happens if a Fiancee gets sick in USA?
Fiancees can use Urgent Care clinics, make appointments at a doctor's office or go the the hospital, if needed. However, they will have to pay out-of-pocket for any and all medical care they receive. This is why we recommend getting a travel or US K visa health insurance plan for the duration of their stay.
Different types of US Visitors travel insurance
The types of US travel insurance plans are fixed benefit and comprehensive visitors insurance. CompareComprehensive vs fixed benefit visitors insurance for USA.
| Feature | Fixed benefit visitor insurance USA |
Comprehensive visitor insurance USA |
| Cost | Affordable with lower premiums | More Expensive due to extensive coverage |
| Coverage | Fixed amount per benefit limited or coverage under certain conditions | Benefits for covered medical expenses up to the plan maximum |
| Deductibles | Usually higher deductibles for lower cost | Often lower deductibles, more coverage |
| PPO network | Usually no PPO network participation | Offers PPO network access with discounted rates |
| Payment method | Usually requires you to pay upfront and then seek reimbursement from the insurer | Allows direct billing(cashless), so the insurer handles payments to the provider |
| Pre-existing conditions coverage | Not all plans offer coverage. Some offer coverage up to a specified limit | Some plans offer coverage, while some others offer coverage only for acute onset of pre-existing conditions |
| Recommended for | Budget conscious travelers who only need basic coverage. | Travelers who want comprehensive coverage for any medical needs. |
Steps to compare and buy US Fiancee visa health insurance online
Finding the available medical insurance for Fiancee visa plans
Complete the health insurance quote request form by providing details of the Fiancee visa holder and insurance requirements.
Compare the different US Fiancee visa insurance options
Compare the price and the benefits of the different travel insurance for Fiancee visa holders options to identify what fits your needs best.
Buy the best health insurance for Fiancee visa that you like
Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.
Review the health insurance for Fiancee visa plan documents received by email
Review the visa insurance policy documents received by email closely for coverage details and relevant contact numbers.
Advantages of comparing Fiancee Visa Insurance options
- Fiancee insurance customers need to compare and evaluate several different fiancée medical insurance plans before they make a purchase. To get a licensed agents' advice while comparing different fiancée insurance policies, one may contact the American Visitor Insurance customer support.
- Insurance companies will view the Fiancee in the same way as an immigrant in the USA and they can either opt for an
immigrant insurance plan, or for a visitors insurance plan. Those who need coverage for preventive care, pre-existing conditions and a pregnancy in the short-term may choose from a special list of visitors insurance plans.
- For long-term plans, fiancées who need coverage for preventive care, pre-existing conditions, and a pregnancy may choose from global insurance plans, these plans provide more comprehensive care and may have a waiting period for coverage of pre-existing conditions.
- The comparison of fiancée insurance plans allows the insurance customer to save time, energy and money while buying online. The premium cost and benefits for K1 visa insurance vary according to the plan and insurance company chosen by the customer.
Find the best immigrant insurance for Fiancee K1 visa holders
Click here to read more »Resourceful Visitor medical insurance information
Visitor insurance resources
Choose visitors travel for medical emergency while outside home country.
Click here to read more »Comprehensive travel insurance
Understanding different types of travel health insurance plans.
Click here to read more »Compare visitors factors
Important information while purchasing visitor health insurance for international travelers.
Click here to read more »Travel insurance Claims
Travel insurance online claims process for getting medical care in a hospital.
Click here to read more »Resourceful K1 visa holder insurance information
K1 visa Insurance Forum
Customer queries and answers about K1 health visa insurance for K1 visa holders or fiancee.
Read more »Insurance for Fiancee visa holders
So, you've decided to tie the knot with that special someone from abroad? Congratulations!
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