L-2 visa holders — spouses and children of L-1 intracompany transferees — often arrive in the USA before employer-sponsored health insurance kicks in, or may not be eligible for it at all. Visitor insurance bridges this gap.
Quick Answer
L-2 visa holders can purchase visitor insurance for any duration from 5 days to 24 months. It covers emergency medical care, hospitalization, and evacuation. For the waiting period before employer insurance starts, visitor insurance is the cleanest solution.
Frequently Asked Questions
Can an L-2 visa holder buy visitor insurance?
Yes. L-2 visa holders are eligible for all standard visitor insurance plans.
Does L-2 visitor insurance cover childbirth?
Standard visitor insurance does not cover pregnancy or childbirth except for emergency complications. If an L-2 holder is pregnant, discuss coverage needs with the insurer directly.
What if employer insurance starts mid-trip?
You can cancel visitor insurance once employer coverage begins (with a prorated refund if no claim was filed). Ensure there's no gap between visitor insurance end date and employer insurance start date.
Can I get visitor insurance for an L-2 child?
Yes. L-2 dependent children can be added to a parent's policy or insured separately.
Which visitor insurance is best for L-2 visa holders?
IMG Patriot America Plus and Trawick Safe Travels USA are both excellent. Both cover the full range of medical needs while waiting for employer health insurance to begin.
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