Jump to content
yuna628

Travel Insurance

11 posts in this topic

Recommended Posts

Hi all,

My fiancé will be flying out in a couple weeks, and currently he's been trying to find someone that will offer travel insurance for him. His typical broker won't offer insurance for immigrating. I don't think flying without insurance is prudent, considering this time he'll be bringing most of his household belongings in his suitcases.

So what did everyone here do? Any broker recommendations? In searching so far I've found insureandgo and gowalkabout, would these type suffice?


K-1 - AOS & ROC Timeline  - Immigration and the Health Exchange Price of Love in the UK Thinking of Returning to UK?

 

First met: 12/31/04 - Engaged: 9/24/09
Filed I-129F: 10/4/14 - Packet received: 10/7/14
NOA 1 email + ARN assigned: 10/10/14 (hard copy 10/17/14)
Touched on website (fixed?): 12/9/14 - Poked USCIS: 4/1/15
NOA 2 email: 5/4/15 (hard copy 5/11/15)
Sent to NVC: 5/8/15 - NVC received + #'s assigned: 5/15/15 (estimated)
NVC sent: 5/19/15 - London received/ready: 5/26/15
Packet 3: 5/28/15 - Medical: 6/16/15
Poked London 7/1/15 - Packet 4: 7/2/15
Interview: 7/30/15 - Approved!
AP + Issued 8/3/15 - Visa in hand (depot): 8/6/15
POE: 8/27/15

Wedding: 9/30/15

Filed I-485, I-131, I-765: 11/7/15

Packet received: 11/9/15

NOA 1 txt/email: 11/15/15 - NOA 1 hardcopy: 11/19/15

Bio: 12/9/15

EAD + AP approved: 1/25/16 - EAD received: 2/1/16

RFE for USCIS inability to read vax instructions: 5/21/16 (no e-notification & not sent from local office!)

RFE response sent: 6/7/16 - RFE response received 6/9/16

AOS approved/card in production: 6/13/16  

NOA 2 hardcopy + card sent 6/17/16

Green Card received: 6/18/16

USCIS 120 day reminder notice: 2/22/18

Filed I-751: 5/2/18 - Packet received: 5/4/18

NOA 1:  5/29/18 (12 mo) 8/13/18 (18 mo)  - Bio: 6/27/18

 

Share this post


Link to post
Share on other sites

Yuna, I touched on this subject about a month back. It's a bit of a nightmare, because K1's are kind of "inbetween" permanent and non permanent residents. Travel insurance is no good because it relies on you returning to your home country at the end of a trip, of which there is a limit as to how long each trip can be (often no more than 30 - 60 days). I used to use Insureandgo all the time, so I called them to get confirmation as to whether they would or wouldn't cover a K1 visa holder. In a word, no, as the moment you enter the USA with a K1 visa your intent is to stay and Adjust Status, thus invalidating the travel insurance policy.

I looked at the Affordable Care Act (aka Obamacare) and that's no good either as it requires you to be a Lawful Permanent Resident (which you will only be after adjusting status), and the visas it does cover doesn't include K1's. It really seems that K1's are in a no-man's land.

My issue is that I will end up on my partner's health insurance but can only do so from the 1st of any month (and after sending in copies of our marriage certificate). As such, from August 10th to September 1st, I need some kind of health insurance. After much searching online, I found this company which specifies that they will cover K1's:

https://www.americanvisitorinsurance.com/visa-insurance/fiancee.asp

I've no idea if they are any good, but with severly limited options available and no recommendations from elsewhere, I felt I didn't have much choice. I've taken out a one month policy with them (which cost approx. £60) and just hope that I won't need it. If I do, I will at least have SOME insurance covering me until I am added to my partner's policy.


K1 VISA APPLICATION AND ADJUSTMENT OF STATUS

08/10/2015 Flight to USA with K1 Visa - POE NYC JFK airport

08/11/2015 Married!

10/15/2015 Moved into our new home in Bradenton, FL

11/02/2015 Filed package for AOS, EAD and AP

11/08/2015 NOA1 (Electronic) received for AOS, EAD and AP

01/07/2016 Biometrics Appointment completed

01/20/2016 EAD/ AP (I-765/ I-131) approved. Text & email confirmation

01/25/2016 EAD/ AP (I-765/ I-131) USCIS confirmed card sent

01/26/2016 EAD/ AP Card received (85 days from filing AOS)

08/05/2016 "New Card Is Being Produced" USCIS Case Status update

08/10/2016 "Card has been mailed" USCIS Case Status Update

08/11/2016 Welcome Letter received

08/12/2016 Permanent Residency/ Green Card delivered by USPS

 

 

Share this post


Link to post
Share on other sites

Yuna, I touched on this subject about a month back. It's a bit of a nightmare, because K1's are kind of "inbetween" permanent and non permanent residents. Travel insurance is no good because it relies on you returning to your home country at the end of a trip, of which there is a limit as to how long each trip can be (often no more than 30 - 60 days). I used to use Insureandgo all the time, so I called them to get confirmation as to whether they would or wouldn't cover a K1 visa holder. In a word, no, as the moment you enter the USA with a K1 visa your intent is to stay and Adjust Status, thus invalidating the travel insurance policy.

I looked at the Affordable Care Act (aka Obamacare) and that's no good either as it requires you to be a Lawful Permanent Resident (which you will only be after adjusting status), and the visas it does cover doesn't include K1's. It really seems that K1's are in a no-man's land.

My issue is that I will end up on my partner's health insurance but can only do so from the 1st of any month (and after sending in copies of our marriage certificate). As such, from August 10th to September 1st, I need some kind of health insurance. After much searching online, I found this company which specifies that they will cover K1's:

https://www.americanvisitorinsurance.com/visa-insurance/fiancee.asp

I've no idea if they are any good, but with severly limited options available and no recommendations from elsewhere, I felt I didn't have much choice. I've taken out a one month policy with them (which cost approx. £60) and just hope that I won't need it. If I do, I will at least have SOME insurance covering me until I am added to my partner's policy.

Actually Chas, after I posted this my fiancé called insureandgo. They will cover him 24hrs after he lands at his POE which is all we need really. We just wanted insurance to cover his baggage and belongings however temporary.

Now health insurance I do happen to know a little bit about. K1 fiancé visa insurance, or any kind of temporary health insurance is not in line with the federal law. That means while you are certainly free to purchase such insurances, in the eyes of the law, you're treated like you haven't insurance to the IRS. The penalty may still apply. I think that it will be such a small length of waiting time for you however, that the penalty would be nominal and won't be of any issue.

I know a lot of people think that that ACA will not cover you until after you are an LPR with a GC already. Not true. You can apply as soon as you receive your NOA1. That won't be of any benefit to you since you'll be going on your spouse's insurance. But I've seen a lot of fiancés-now-spouses that bought six month temporary polices thinking they won't be able to use the ACA while they wait for a GC. The longer you wait, the more penalty racks up.

Edited by yuna628

K-1 - AOS & ROC Timeline  - Immigration and the Health Exchange Price of Love in the UK Thinking of Returning to UK?

 

First met: 12/31/04 - Engaged: 9/24/09
Filed I-129F: 10/4/14 - Packet received: 10/7/14
NOA 1 email + ARN assigned: 10/10/14 (hard copy 10/17/14)
Touched on website (fixed?): 12/9/14 - Poked USCIS: 4/1/15
NOA 2 email: 5/4/15 (hard copy 5/11/15)
Sent to NVC: 5/8/15 - NVC received + #'s assigned: 5/15/15 (estimated)
NVC sent: 5/19/15 - London received/ready: 5/26/15
Packet 3: 5/28/15 - Medical: 6/16/15
Poked London 7/1/15 - Packet 4: 7/2/15
Interview: 7/30/15 - Approved!
AP + Issued 8/3/15 - Visa in hand (depot): 8/6/15
POE: 8/27/15

Wedding: 9/30/15

Filed I-485, I-131, I-765: 11/7/15

Packet received: 11/9/15

NOA 1 txt/email: 11/15/15 - NOA 1 hardcopy: 11/19/15

Bio: 12/9/15

EAD + AP approved: 1/25/16 - EAD received: 2/1/16

RFE for USCIS inability to read vax instructions: 5/21/16 (no e-notification & not sent from local office!)

RFE response sent: 6/7/16 - RFE response received 6/9/16

AOS approved/card in production: 6/13/16  

NOA 2 hardcopy + card sent 6/17/16

Green Card received: 6/18/16

USCIS 120 day reminder notice: 2/22/18

Filed I-751: 5/2/18 - Packet received: 5/4/18

NOA 1:  5/29/18 (12 mo) 8/13/18 (18 mo)  - Bio: 6/27/18

 

Share this post


Link to post
Share on other sites

Ah, I thought you wanted health insurance cover after entering the US on a K1 visa. Insureandgo did tell me the same thing that for the first 24 hours I would be covered, but after then the policy would be invalidated due to the intent of the policy holder to become a permanent resident. By doing so null and voids the conditions required for it to be travel insurance, and also the requirement for the policy holder to maintain their home address outside of the USA.

Regarding the ACA, we both looked at its requirements and also researched online. Until one becomes a permanent resident (or starts the application via AOS), a K1 is not eligible. Ironically, it's that window period from entering as a K1 and then filing for AOS that I need the insurance. From the 1st September I will be on my partner's insurance, which is likely around the time when I would get the AOS NOA1. This still leaves me in that no-man's land between entering the USA and then being eligible to either be on my partner's insurance or sign up to the ACA. As mentioned, it seems as if that insurance company I mentioned above was my only option for getting health insurance between August 10th and September 1st.


K1 VISA APPLICATION AND ADJUSTMENT OF STATUS

08/10/2015 Flight to USA with K1 Visa - POE NYC JFK airport

08/11/2015 Married!

10/15/2015 Moved into our new home in Bradenton, FL

11/02/2015 Filed package for AOS, EAD and AP

11/08/2015 NOA1 (Electronic) received for AOS, EAD and AP

01/07/2016 Biometrics Appointment completed

01/20/2016 EAD/ AP (I-765/ I-131) approved. Text & email confirmation

01/25/2016 EAD/ AP (I-765/ I-131) USCIS confirmed card sent

01/26/2016 EAD/ AP Card received (85 days from filing AOS)

08/05/2016 "New Card Is Being Produced" USCIS Case Status update

08/10/2016 "Card has been mailed" USCIS Case Status Update

08/11/2016 Welcome Letter received

08/12/2016 Permanent Residency/ Green Card delivered by USPS

 

 

Share this post


Link to post
Share on other sites

My issue is that I will end up on my partner's health insurance but can only do so from the 1st of any month (and after sending in copies of our marriage certificate). As such, from August 10th to September 1st, I need some kind of health insurance. After much searching online, I found this company which specifies that they will cover K1's:

https://www.americanvisitorinsurance.com/visa-insurance/fiancee.asp

I've no idea if they are any good, but with severly limited options available and no recommendations from elsewhere, I felt I didn't have much choice. I've taken out a one month policy with them (which cost approx. £60) and just hope that I won't need it. If I do, I will at least have SOME insurance covering me until I am added to my partner's policy.

So for £60, what is the maximum coverage you get, deductible, all those details. Just curious which options you chose because there are so many.


England.gifENGLAND ---

K-1 Timeline 4 months, 19 days 03-10-08 VSC to 7-29-08 Interview London

10-05-08 Married

AOS Timeline 5 months, 14 days 10-9-08 to 3-23-09 No interview

Removing Conditions Timeline 5 months, 20 days12-27-10 to 06-10-11 No interview

Citizenship Timeline 3 months, 26 days 12-31-11 Dallas to 4-26-12 Interview Houston

05-16-12 Oath ceremony

The journey from Fiancé to US citizenship:

4 years, 2 months, 6 days

243 pages of forms/documents submitted

No RFEs

Share this post


Link to post
Share on other sites

So for £60, what is the maximum coverage you get, deductible, all those details. Just curious which options you chose because there are so many.

Off the top of my head, I think max coverage is $200,000, deductible is $1000 and it's a commprehensive plan. I'll confirm the details after POE later today as right now I'm off to the airport!


K1 VISA APPLICATION AND ADJUSTMENT OF STATUS

08/10/2015 Flight to USA with K1 Visa - POE NYC JFK airport

08/11/2015 Married!

10/15/2015 Moved into our new home in Bradenton, FL

11/02/2015 Filed package for AOS, EAD and AP

11/08/2015 NOA1 (Electronic) received for AOS, EAD and AP

01/07/2016 Biometrics Appointment completed

01/20/2016 EAD/ AP (I-765/ I-131) approved. Text & email confirmation

01/25/2016 EAD/ AP (I-765/ I-131) USCIS confirmed card sent

01/26/2016 EAD/ AP Card received (85 days from filing AOS)

08/05/2016 "New Card Is Being Produced" USCIS Case Status update

08/10/2016 "Card has been mailed" USCIS Case Status Update

08/11/2016 Welcome Letter received

08/12/2016 Permanent Residency/ Green Card delivered by USPS

 

 

Share this post


Link to post
Share on other sites

...............after POE later today as right now I'm off to the airport!

Well that's exciting. Safe travels!


England.gifENGLAND ---

K-1 Timeline 4 months, 19 days 03-10-08 VSC to 7-29-08 Interview London

10-05-08 Married

AOS Timeline 5 months, 14 days 10-9-08 to 3-23-09 No interview

Removing Conditions Timeline 5 months, 20 days12-27-10 to 06-10-11 No interview

Citizenship Timeline 3 months, 26 days 12-31-11 Dallas to 4-26-12 Interview Houston

05-16-12 Oath ceremony

The journey from Fiancé to US citizenship:

4 years, 2 months, 6 days

243 pages of forms/documents submitted

No RFEs

Share this post


Link to post
Share on other sites

I'm just looking into this myself now. Yuna, what is your fiancé doing for health insurance between POE and the wedding?


Paul (UK) and Brianna (USA) <3

January 2012 - Met in Manchester, UK

29th Sept 2014 - Sent I-129F

8th Oct 2014 - NOA1 received by email/text

9th Nov 2014 - *Officially* engaged in Edinburgh, UK

28th Dec 2014 - Visited Brianna in the US for 10 days

17th April 2015 - Visited Brianna in the US for 1 month

21st May 2015 - NOA2 received by email (225 days)

8th June 2015 - Sent to NVC (19 days)

15th June 2015 - Received by NVC (8 days)

16th June 2015 - Case number assigned

18th June 2015 - Left NVC

22nd June 2015 - Medical

23rd June 2015 - ​Received at London

23rd June 2015 - DS-160 submitted

28th June 2015 - Readinesss form submitted

29th June 2015 - Received packet 3

14th July 2015 - Received packet 4

6th August 2015 - Interview - Approved!

12th August 2015 - AP

13th August 2015 - Issued

18th August 2015 - Visa delivered (Home delivery)

21st August 2015 - POE

1st October 2015 - Wedding!

20th October 2015 - Mailed adjustment of status application

27th November 2015 - Honeymoon! 9 days in U.S. Virgin Islands

Share this post


Link to post
Share on other sites

I'm just looking into this myself now. Yuna, what is your fiancé doing for health insurance between POE and the wedding?

Unsure, it's still something we have to discuss. If the risk of waiting it out is worth it or not.

After we marry, my personal premium is going up drastically in October (I just love the snarky letters they send out, as if a 19% increase is such fantastic news). I have to decide if I should bite the bullet and add him to my plan after we marry, or start over with the ACA.

It's still in a gray area regarding any potential penalty, and temporary insurance won't absolve him of that should he buy it, if a penalty still applies.

I cannot see much benefit in it (the deductibles are still rotten in the ones I've seen); he could become injured or sick just as much as he could have been during any of the numerous times he has been here in the US but just visiting. Granted he's not visiting this time. His health and security is important to me.. it's a worry... :/ The clinics in town are great and you can pop in at any time, so at least there's that.


K-1 - AOS & ROC Timeline  - Immigration and the Health Exchange Price of Love in the UK Thinking of Returning to UK?

 

First met: 12/31/04 - Engaged: 9/24/09
Filed I-129F: 10/4/14 - Packet received: 10/7/14
NOA 1 email + ARN assigned: 10/10/14 (hard copy 10/17/14)
Touched on website (fixed?): 12/9/14 - Poked USCIS: 4/1/15
NOA 2 email: 5/4/15 (hard copy 5/11/15)
Sent to NVC: 5/8/15 - NVC received + #'s assigned: 5/15/15 (estimated)
NVC sent: 5/19/15 - London received/ready: 5/26/15
Packet 3: 5/28/15 - Medical: 6/16/15
Poked London 7/1/15 - Packet 4: 7/2/15
Interview: 7/30/15 - Approved!
AP + Issued 8/3/15 - Visa in hand (depot): 8/6/15
POE: 8/27/15

Wedding: 9/30/15

Filed I-485, I-131, I-765: 11/7/15

Packet received: 11/9/15

NOA 1 txt/email: 11/15/15 - NOA 1 hardcopy: 11/19/15

Bio: 12/9/15

EAD + AP approved: 1/25/16 - EAD received: 2/1/16

RFE for USCIS inability to read vax instructions: 5/21/16 (no e-notification & not sent from local office!)

RFE response sent: 6/7/16 - RFE response received 6/9/16

AOS approved/card in production: 6/13/16  

NOA 2 hardcopy + card sent 6/17/16

Green Card received: 6/18/16

USCIS 120 day reminder notice: 2/22/18

Filed I-751: 5/2/18 - Packet received: 5/4/18

NOA 1:  5/29/18 (12 mo) 8/13/18 (18 mo)  - Bio: 6/27/18

 

Share this post


Link to post
Share on other sites

Generally speaking an Employer plan will be cheaper.


“If you know the enemy and know yourself, you need not fear the result of a hundred battles. If you know yourself but not the enemy, for every victory gained you will also suffer a defeat. If you know neither the enemy nor yourself, you will succumb in every battle.”

Share this post


Link to post
Share on other sites

So for £60, what is the maximum coverage you get, deductible, all those details. Just curious which options you chose because there are so many.

Sorry for the delay. This past week has been somewhat a whirlwind and I haven't had much time to get online. Started out in SE Ohio, got married, closed the sale of my partner's house, travelled down to Irmo, SC where we stayed with friends for a couple of days, then we travelled down to Bradenton, FL where we arrived literally an hour ago. At last we will get a chance to relax!

Regarding the K1 health insurance, I went with the Atlas Series policy (HCC Medical Insurance Services).

Max limit is $200,000, max per injury/ illness is $200,000

Deductible was $500

Premium for a 31 day policy was $106.33

We will be faxing copies of our marriage certificate to my partner's employee based health insurance, and if all goes to plan come September 1st I will be on his plan.

Fingers crossed I won't need the Atlas insurance (and also hope I won't need his employee insurance either!) Interesting to note that after I paid for the premium and went to print out the documents, it does then state that it "does not meet the minimum standards required by the health care reform law".

Let's hope I can make it to September 1st without any health issues...

Edited by ChasUno

K1 VISA APPLICATION AND ADJUSTMENT OF STATUS

08/10/2015 Flight to USA with K1 Visa - POE NYC JFK airport

08/11/2015 Married!

10/15/2015 Moved into our new home in Bradenton, FL

11/02/2015 Filed package for AOS, EAD and AP

11/08/2015 NOA1 (Electronic) received for AOS, EAD and AP

01/07/2016 Biometrics Appointment completed

01/20/2016 EAD/ AP (I-765/ I-131) approved. Text & email confirmation

01/25/2016 EAD/ AP (I-765/ I-131) USCIS confirmed card sent

01/26/2016 EAD/ AP Card received (85 days from filing AOS)

08/05/2016 "New Card Is Being Produced" USCIS Case Status update

08/10/2016 "Card has been mailed" USCIS Case Status Update

08/11/2016 Welcome Letter received

08/12/2016 Permanent Residency/ Green Card delivered by USPS

 

 

Share this post


Link to post
Share on other sites
 
Didn't find the answer you were looking for? Ask our VJ Immigration Lawyers.

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
- Back to Top -


Important Disclaimer: Please read carefully the Visajourney.com Terms of Service. If you do not agree to the Terms of Service you should not access or view any page (including this page) on VisaJourney.com. Answers and comments provided on Visajourney.com Forums are general information, and are not intended to substitute for informed professional medical, psychiatric, psychological, tax, legal, investment, accounting, or other professional advice. Visajourney.com does not endorse, and expressly disclaims liability for any product, manufacturer, distributor, service or service provider mentioned or any opinion expressed in answers or comments. VisaJourney.com does not condone immigration fraud in any way, shape or manner. VisaJourney.com recommends that if any member or user knows directly of someone involved in fraudulent or illegal activity, that they report such activity directly to the Department of Homeland Security, Immigration and Customs Enforcement. You can contact ICE via email at Immigration.Reply@dhs.gov or you can telephone ICE at 1-866-347-2423. All reported threads/posts containing reference to immigration fraud or illegal activities will be removed from this board. If you feel that you have found inappropriate content, please let us know by contacting us here with a url link to that content. Thank you.
×