standard tourist travel insurance for first month in the US on k1 visa

[Lorna&Alex 104]

hey guys
I'm moving to the US on my K1 visa in June and I'm just starting to look into health care options for when I'm living there. My fiance works for a small company and they don't provide a healthcare plan for him, he just pays his own each month. So after we're married in July, I'll probably just try and get added on to his plan for the first few months until I start working. However, I have a month in the US between moving and then actually getting married...during this time has anyone ever bought just regular tourist travel insurance to cover them for the first month they're in the US before they get a proper US healthcare plan? 

[BJ & Christine 1,392]

Should get the info u need there. Hope it's not out dated. Good luck.

[Boiler 43,429]

You are immigrating not travelling.

[Boiler 43,429]

2 minutes ago, Dee elle said:

The gray area between  arriving on k1 and submitting the AOS can be covered by the travel insurance, as long as you are prepared to be repatriated to the home country if major medical is required.. 

And do not mention to the Insurer that you have migrated and they do not find out.

 

And happy waiting a year or so to get back.

[Lorna&Alex 104]

10 minutes ago, Boiler said:

You are immigrating not travelling.

Yes, I am aware of that thank you. 

 

4 minutes ago, Boiler said:

And do not mention to the Insurer that you have migrated and they do not find out.

 

And happy waiting a year or so to get back.

what do you mean by waiting a year or so to get back? Are you implying that AP is taking at least a year to be approved?

[Lorna&Alex 104]

11 minutes ago, Dee elle said:

Yes. Purchase international travel insurance.. to cover major medical.. for the 90 days that your I 94 entry will be valid so you have  buffer of  a coup,e of months to enable you to get things sorted.. you won't believe how contorted and difficult manoevering the US health care and health insurance is.. no more one simple phone call and it's done.. 😭🤤😭😯

thanks for the info  it is such a grey area! i'm just trying to do the right thing in terms of insurance for the first month but it doesn't seem so easy now lol

[Boiler 43,429]

49 minutes ago, Lorna&Alex said:

Yes, I am aware of that thank you. 

 

what do you mean by waiting a year or so to get back? Are you implying that AP is taking at least a year to be approved?

You move you get married you have 4 months or so before AP/EAD

 

You get sick whatever so the first thing the Travel Insurer does is get you back to the UK.

 

Spouse then needs to file for a Cr1, think is about 14 months or so.

 

[George & Roth 1,485]

I bought temporary (6 weeks) insurance for my fiance through Seven Corners/ Liason Majestic (who acts as an agent), the insurance card and coverage was from United Healthcare.

 

Went with high coverage amount and high deductible since we do not plan to use it. She will be covered under my employers plan starting May 1st. 

 

 

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

https://www.***removed***.com/fiance-visa-medical-insurance/

http://www.lovevisalife.com/2017/02/temporary-health-insurance/

 

Some links I found when I was researching, went with Seven corners/United which is in the 1st link and when you get quotes called Liason Majestic.

 

 

[Lorna&Alex 104]

23 minutes ago, George & Roth said:

I bought temporary (6 weeks) insurance for my fiance through Seven Corners/ Liason Majestic (who acts as an agent), the insurance card and coverage was from United Healthcare.

 

Went with high coverage amount and high deductible since we do not plan to use it. She will be covered under my employers plan starting May 1st. 

 

 

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

https://www.***removed***.com/fiance-visa-medical-insurance/

http://www.lovevisalife.com/2017/02/temporary-health-insurance/

 

Some links I found when I was researching, went with Seven corners/United which is in the 1st link and when you get quotes called Liason Majestic.

 

 

that's so helpful, thank you  I'm going to look into it now!!

[yuna628 9,528]

Okay, this question comes up a lot, so I'll do my best to make it simple.

 

Travel insurance is by a rule strictly for traveling. It expects you to be traveling and not living in the country. So what happens if you want to immigrate and need coverage at least for flying over the pond? Well you'll likely need to call them and ask for 'one way insurance', which covers your stuff and your physical body until you land or expires within 48hrs of landing.

 

Obviously this will not help if you've now moved here and want medical coverage. And that's the point, you've moved here and are no longer a visitor. There are some companies as you've seen above that will offer short term medical insurance for new immigrants. The facts are the coverage you're going to receive isn't always great. If you have pre-existing conditions they won't be covered... and in many situations you might have 'peace of mind' but when you really need it, good luck finding it useful. In the age of O'care I just can't see much use for such plans. And in the eyes of the government, under the law, they don't view you having that kind of short term plan as actual coverage. The tax penalty still used to apply for those who decided to roll with it for longer.

 

You will be eligible to be added to your spouse's plan as soon as you marry (so get that SSN, marry, and transition onto the plan as soon as possible). You're also eligible to go and buy whatever kind of plan you want. You're also still eligible based on marriage and immigration to sign up for O'care. So sure, you could buy short term coverage for peace of mind (no guarantee it will work if you should need it), then jump onto your spouse's plan (prepare for the sticker shock). Some people also spend that gap period without, especially if they are healthy. It's more difficult for those that need constant care or medication, but stocking up before moving can help.

[Lorna&Alex 104]

8 minutes ago, yuna628 said:

Okay, this question comes up a lot, so I'll do my best to make it simple.

 

Travel insurance is by a rule strictly for traveling. It expects you to be traveling and not living in the country. So what happens if you want to immigrate and need coverage at least for flying over the pond? Well you'll likely need to call them and ask for 'one way insurance', which covers your stuff and your physical body until you land or expires within 48hrs of landing.

 

Obviously this will not help if you've now moved here and want medical coverage. And that's the point, you've moved here and are no longer a visitor. There are some companies as you've seen above that will offer short term medical insurance for new immigrants. The facts are the coverage you're going to receive isn't always great. If you have pre-existing conditions they won't be covered... and in many situations you might have 'peace of mind' but when you really need it, good luck finding it useful. In the age of O'care I just can't see much use for such plans. And in the eyes of the government, under the law, they don't view you having that kind of short term plan as actual coverage. The tax penalty still used to apply for those who decided to roll with it for longer.

 

You will be eligible to be added to your spouse's plan as soon as you marry (so get that SSN, marry, and transition onto the plan as soon as possible). You're also eligible to go and buy whatever kind of plan you want. You're also still eligible based on marriage and immigration to sign up for O'care. So sure, you could buy short term coverage for peace of mind (no guarantee it will work if you should need it), then jump onto your spouse's plan (prepare for the sticker shock). Some people also spend that gap period without, especially if they are healthy. It's more difficult for those that need constant care or medication, but stocking up before moving can help.

really great advice, thank you

[NYCruiser 423]

9 minutes ago, yuna628 said:

Okay, this question comes up a lot, so I'll do my best to make it simple.

 

Travel insurance is by a rule strictly for traveling. It expects you to be traveling and not living in the country. So what happens if you want to immigrate and need coverage at least for flying over the pond? Well you'll likely need to call them and ask for 'one way insurance', which covers your stuff and your physical body until you land or expires within 48hrs of landing.

 

Obviously this will not help if you've now moved here and want medical coverage. And that's the point, you've moved here and are no longer a visitor. There are some companies as you've seen above that will offer short term medical insurance for new immigrants. The facts are the coverage you're going to receive isn't always great. If you have pre-existing conditions they won't be covered... and in many situations you might have 'peace of mind' but when you really need it, good luck finding it useful. In the age of O'care I just can't see much use for such plans. And in the eyes of the government, under the law, they don't view you having that kind of short term plan as actual coverage. The tax penalty still used to apply for those who decided to roll with it for longer.

 

You will be eligible to be added to your spouse's plan as soon as you marry (so get that SSN, marry, and transition onto the plan as soon as possible). You're also eligible to go and buy whatever kind of plan you want. You're also still eligible based on marriage and immigration to sign up for O'care. So sure, you could buy short term coverage for peace of mind (no guarantee it will work if you should need it), then jump onto your spouse's plan (prepare for the sticker shock). Some people also spend that gap period without, especially if they are healthy. It's more difficult for those that need constant care or medication, but stocking up before moving can help.

The issue is K1 Visas are non-immigrant Visas with Immigrant Intent. Therefore, in theory they should come under Travellers Insurance. There is another plan but the issue is it is only for catastrophic insurance.

 

I believe we bought the Patroit Insurance

 

https://www.***removed***.com/

[D.Ba 85]

Yuna6287 explained it very well.

 

For my German travel insurance it was no "grey" area at all! It stated very explicitly: if you have no permanent German domicile, it does not cover you.
Being a law-compliant citizen, of course I had told my local registry I am leaving the country and had my address deleted from the file.

I bought short-term insurance in the US for the time before marriage. Expensive, but if you get an option with a high deductible that only kicks in if you have a major accident or such, it is bearable.

[Boiler 43,429]

5 minutes ago, D.Ba said:

Yuna6287 explained it very well.

 

For my German travel insurance it was no "grey" area at all! It stated very explicitly: if you have no permanent German domicile, it does not cover you.
Being a law-compliant citizen, of course I had told my local registry I am leaving the country and had my address deleted from the file.

I bought short-term insurance in the US for the time before marriage. Expensive, but if you get an option with a high deductible that only kicks in if you have a major accident or such, it is bearable.

Same in the UK.

[doggieandsam 765]

i got the fiance visa medical insurance from ***removed***.

https://www.***removed***.com/fiance-visa-medical-insurance/

 

we read the fine print and it was good enough for our peace of mind. our purpose was really only for "catastrophic" incidents. thank god, i did not have to use it. it cost about $140 a month iirc and was very easy to cancel. i obviously completed as many check-ups as i could before leaving my origin country and i stocked up on meds etc as well.