The K1 visa, also known as the fiancé visa, is for the fiancé of a United States citizen. The K1 visa allows the foreign-citizen fiancé to marry their U.S. sponsor within 90 days of arriving in the U.S. Due to the 90-day restriction period, there may be some time between the arrival of the fiancé and the marriage of the couple. During this time before the fiancé can be added to the spouse’s insurance or the approval of permanent residency, it is important to secure a short-term health insurance plan.
Typically, most travel medical insurance policies that are designed for visitors to the U.S. are suitable for K1 visa holders. Travel medical insurance offers short-term coverage ranging from limited to comprehensive and can offer coverage of medical care for illness, injuries, hospital visits, doctors visits, and more. Benefits and coverage amount depends upon the plan you choose.
Is K1 Visa Health Insurance Required?
While having a health insurance plan technically isn’t required in order to keep your visa status or enter the United States, it is still critical to be covered for medical care after you arrive. Considering that you will not be able to be added to your spouse’s health insurance until your marriage is official, a short-term travel medical insurance plan is a great option.
Can I Get Health Insurance on K1 Visa?
Yes, you do have health insurance options on a K1 visa. While you likely won’t be able to apply for a long-term domestic insurance plan before you are either officially married or secure a green card, you have the option of getting a temporary health insurance plan that will cover you before you can secure a more permanent solution.
Best Health Insurance for K1 Visa
The following travel medical insurance plans are best suited for those coming to the United States on a K1 visa.
CoverAmerica-Gold
Comprehensive Coverage Plan
CoverAmerica-Gold is a travel medical insurance plan that offers medical coverage and covered travel and emergency services for non-U.S. citizens visiting the United States. This plan does not offer coverage of pre-existing conditions.
Plan Highlights
- After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays 80% of eligible medical expenses up to $5,000, then 100% thereafter.
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam Coverage
- Emergency Dental Coverage
- Prescriptions/Medication
- COVID-19 Test Benefit: At least 30 days of coverage must be purchased prior to departing the home country
- Quarantine Indemnity
- Influenza (flu) shot
- No Cancellation Fee
- No Extension Fee
Safe Travels USA Comprehensive
Comprehensive Coverage Plan
Safe Travels USA Comprehensive is a travel medical insurance plan that covers emergency health care for non-U.S. citizens who are visiting the United States. This plan does not cover the treatment of pre-existing conditions.
Plan Highlights
- After the deductible, plan pays 100% of eligible medical expenses within the First Health PPO network and outside the PPO network for eligible medical expenses
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Dental Coverage
- Prescriptions/Medication
- Emergency Medical Treatment of Pregnancy
Patriot America Plus
Comprehensive Coverage Plan
Patriot America Plus is a travel medical insurance plan that offers medical coverage and covered travel and emergency services to non U.S. citizens visiting the United States. Coverage of pre-existing conditions is not included.
Plan Highlights
- After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays 80% of eligible medical expense up to $5,000, then 100% thereafter
- Acute Onset of Pre-Existing Condition Coverage
- Emergency Medical Evacuation
- Urgent Care Visits
- Emergency Room Services
- Emergency Eye Exam Coverage
- Emergency Dental Coverage
- Prescriptions/Medication
Where to Purchase K1 Visa Health Insurance
Travel medical insurance for K1 visa holders can easily be purchased online. We recommend the trusted online provider VisitorsCoverage. On VisitorsCoverage, you can compare different plans, get instant quotes, and find the coverage that is right for you.
