Going to the US to Study?

Find the best international student health insurance plan for your needs.

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An overview

US student health insurance

Factors while buying US student insurance

If you are planning to pursue further studies in the US, it is definitely a good decision. You will meet with people from various countries and experience different cultures and traditions. You may also be able to learn a foreign language! The number of international students traveling to the US is increasing. This is no surprise as students passing out of US universities are highly preferred by employers worldwide. Along with getting quality education, living in the US also prepares one for the life ahead.

Before you start making a list of all the important items you need to take with you to the US, put some thought into purchasing international student insurance USA for yourself. The right insurance plan will cover you for all the unexpected incidents during your stay in the US. Your parents can also relax knowing that you are adequately covered for most contingencies. And you will be able to focus on just the important stuff. Here is a checklist to refer to so you know what student travel insurance needs to cover essentially.

Medical Costs

It's common knowledge that even getting a routine check-up in the US can prove to be very costly. As you'll be staying in the US for at least a year to complete your course, your travel insurance will have to cover all your medical expenses.

  • Make sure that your insurance policy covers costs related to general practitioner visits, prescriptions, and hospitalization.
  • The insurance policy should cover preventive, minor and major dental treatments. Preventive treatments such as oral examinations, teeth cleaning and X-ray charges are generally reimbursed completely. For minor treatments such as root canal and fillings, insurance providers may cover up to 80% of the cost. For major treatments such as getting crowns or bridges, only up to 50% may be covered by the policy.
  • Be aware of annual caps in certain fields such as dental treatments. If you exceed the limit specified in the policy, you'll have to dole out the rest.
  • Student travel insurance should also provide optical cover.

Emergency Costs

In a country where general healthcare is very costly, the costs related to air-lifting will obviously be even higher. An individual may need to be evacuated for several reasons.

  • Repatriation costs or return flight costs should be covered by student travel insurance.
  • Costs related to events where the insured needs to be medically evacuated or air-lifted should be covered by the policy. Your policy will specify the maximum amount that you can claim in such cases so be sure to take note of the same.
  • If the individual needs to be accompanied by medical professionals in case of serious injury or illness, relevant costs should be covered as well by the policy.
  • Travel insurance may also cover flight and accommodation costs to the US for family members of the insured in case of serious illness, injury or death.

Travel Costs

Quite a few unexpected costs may crop up during the journey itself. Travel insurance normally covers expenses in certain cases. Go through your policy in detail and make sure your insurance covers you for the following incidents.

  • Luggage theft
  • Misplacement of baggage
  • Flight cancellation
  • Missed interconnecting flights

Remember that insurance companies have a cap on the maximum amount you can claim in the case of theft. They will also consider the depreciation value of costly items such as laptops or cameras. So don't expect to be paid the full value of such items in case they are stolen or lost.

Student Traveling USA

Costs Related to Risks

If you are deliberately going to put your life at risk by engaging in extreme sports, you will need extra cover. Your normal student travel insurance won't be able to take care of the costs that you may have to incur in case of any mishaps.

Don't let that deter you from experiencing the thrills of sky diving, bungee jumping, hiking or river rafting though! Read through the documents with a keen eye and make note of all the exceptions and exclusions to the policy. Compare policies from different companies and assess which one is best suited to your needs.

Don't choose a policy just because the premium fits your budget. It is more important to select a policy that provides adequate coverage. Conversely, don't select a policy with the highest premium thinking that it will be the best for you. Chances are such a policy may require you to pay for coverage that you don't need at all. For instance, if you know for sure that you're not going to indulge in extreme sports, there's no need to purchase a policy that covers you for the same.

Optional Extras

While the above are basic things that a student travel insurance policy should cover, there are many optional extras provided by insurance companies. These may include providing cover for medical treatment even after the insured has reached his home country, expatriation costs so that the insured can fly back to the foreign country to continue with his studies, costs related to kidnapping, ransom, and false arrest.

Conclusion

With any insurance policy you purchase, you will need to pay an excess amount whenever you need to claim the money. If your finances allow you, you can opt to pay a higher excess amount. This will reduce the amount of the premium that you'll have to pay. Lastly, purchase the right policy as soon as you spot it.

At times, policies don't come into effect until a certain time period has lapsed. It could also be possible that the right offer may be available only for a limited time. You need to be armed with the right student travel insurance policy so that you're all set to fly to the US and enjoy a new phase of your life!

What does international student health insurance cover?

Doctor Visit

Covers doctor visits in case of sudden injury or sickness.

Sports Activities

Some plans cover high school sports activities.

Health care expenses

Hospital medical expenses for sickness or accidents during coverage.

Dental Coverage

Expenses from sudden dental pain and accidental dental injuries.

Maternity Coverage

Some plans offer coverage for pregnancy, maternity and new born.

Repat of remains

Repatriation of remains expenses to home country in case of death.

Testimonials - From Our Customers

Thank you for your prompt reply. Thank you for doing some good homework on our behalf. May the Lord richly bless you and all your encounters and may He fill your life with all of his abundance.
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I needed to move my policy date, but remembered it too late. American Visitor Insurance customer support made a lot of efforts to fix it out and succeeded. It's a really good service. Great thanks to your support staff.
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Thank you for such helpful information. You've impressed me as I have contacted other companies and haven't gotten half of the information from them that you have sent me. I will take what you've said into consideration.
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Health Insurance for International Students resources

Find the student insurance cost

Find out the best insurance for your budget and needs.

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How to buy student insurance?

Step by step guide to buying the best travel insurance.

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Student group insurance

Best student group travel medical insurance.

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Student compare coverage

Compare International health insurance for students in USA

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Best international student health insurance in USA

  • Which is the best student insurance in USA?

    Health insurance for F1 students in USA, Medical insurance for international students

    • IMG's Patriot Exchange insurance is designed for International students or Cultural Exchange scholars.
    • It is a very affordable plan and meets J visa requirements and F Visa for international students.
    • Covers pre-existing condition after 12 months of continuous coverage $500 per period of coverage; $1,500 lifetime maximum.
    • The student can buy this plan with a sports rider to cover activities such as downhill skiing.
    • Patriot Exchange Insurance can be renewed online up to 48 months.
    • Provides coverage for international student medical insurance to students and scholars pursuing their education outside their home country.
    • Student Health Advantage Platinum covers Maternity Newborn Care.
    • Standard plan covers pre-existing condition after 12 months of a waiting period.
    • Platinum plan covers pre-existing condition after 6 months of a waiting period.
    • This plan can be renewed for up to five years.
    • Student Secure provides excellent insurance cover to international students and scholars outside their home country.
    • Covers acute onset of pre-existing conditions up to $25k lifetime maximum for eligible expenses.
    • This plan is ideal for J1 and F1 and OPT students.
    • Sports activities, leisure, recreational,entertainment or fitness is covered upto overall maximum limit.
    • This plan can be renewed for up to four years.
    • Study USA Health Insurance provides affordable student travel insurance for students studying in USA and to US registered students studying abroad.
    • Covers Sports & Activities - Leisure, Recreational, Entertainment, or Fitness.
    • Study USA standard, preferred and platinum covers maternity care for a covered pregnancy.
    • Study USA Standard and Preferred plans have 12 months waiting period for pre-existing conditions and platinum covered after 6 months waiting period.
    • This plan can be renewed for up to four years.
    • Offers worldwide coverage for international students and faculty outside their home country.
    • Offers Unlimited annual and lifetime medical maximum.
    • Pre-existing conditions exclusion can be waived with proof of prior creditable coverage.
    • Coinsurance is waived for care outside the U.S.
    • Sports, terrorist and alcohol-related injuries are covered.
    • Exceeds J-1 visa requirements.
    • No waiting period associated with any preventive services.
    • Available for International students and exchange program participants.
    • Excellent plan for international students who are on the OPT status.
    • Covers acute onset of pre-existing conditions up to the age of 79 years.
    • Available for Non-US Citizens traveling outside their home country.
    • Covers treatment of complications of pregnancy during the first 26 weeks of pregnancy.
    • Offers coverage for Students or teachers going abroad for a semester.
    • Covers pre-existing conditions for medical services and medical evacuation, for individuals with a current U.S. health plan.
    • Access to doctors and hospitals in 190 countries.
    • Applicant's home country must be the US.
    • Requires a primary health plan.
    • This plan is ideal for students, study abroad and international exchange students.
    • Covers pre-existing conditions after 24 months waiting period.
    • Available for Non Us citizens and Non US residents visiting the US.
    • Covers athletic & hazardous sports activities.
    • This plan can be available from 15 days to 365 days.
    • Offers coverage for Students or teachers going abroad for a semester.
    • Pre-existing conditions are covered with a 180-day exclusion.
    • Access to doctors and hospitals in 190 countries.
    • Applicant's home country must be the US.
    • Does not require a primary health plan.
    • Offers coverage for students.
    • Worldmed is international health insurance for people traveling outside their home country and is available to both US and Non US citizens.
    • Acute onset of pre-existing conditions is covered up to $200k up to age 60 and for age 60-64 it is $20k.
    • Intercollegiate sports activities, recreational activities and hazardous activities are optional add on benefits on the plan.
    • Available from 5 days to 364 days.
    • This plan is ideal for study abroad, work study programs and international exchange students.
    • Available for Non US Residents while visiting the US.
    • Covers Unexpected Recurrence of a Pre-existing Condition(US Citizens only)
    • Offers optional Athletic and Hazardous Activity Rider.
    • Covers optional war risk coverage.
    • This plan is ideal for students, study abroad and international exchange students.
    • Available for people traveling outside their home Country excluding USA.
    • Covers Unexpected Recurrence of a Pre-existing Condition(US Citizens only)
    • Offers optional Athletic and Hazardous Activity Rider.
    • Covers optional war risk coverage.
    • Designed for Study abroad student seeking supplemental Emergency Medical Evacuation coverage to meet school or visa requirements.
    • Offers coverage to international students and visitors traveling to the U.S.
    • Available for people age above 14 days and below 50 years.
    • Emergency Medical Evacuation coverage is available for up to $50k.
    • This plan can be available from 5 days to 365 days.
    • Repatriation of remains coverage is available for up to $25k.
    • Offers coverage for International students or scholars.
    • Medical Evacuation and Repatriation provides annual coverage that meets J Visa and other visa requirements.
    • Any non US citizen and non US resident who is travelling to the United States and Participating in full-time educational activities can buy this plan. You are not required to have a visa.
    • Available from 5 days to 364 days.
    • Available for people age above 14 days and below 65 years.

General - FAQ's

01. How much does health insurance cost for a college student?

The health insurance cost for the college student will depend on the coverage benefits of the student insurance plan, the age of the student, the medical maximum coverage required and the deductible for the plan. The cost of student health insurance coverage within the US is more expensive when compared to coverage outside the US.

02. Why should international students compare health insurance?

Most international student health insurance plans seem similar on first impressions. However, while they have many benefits in common and the premium is also similar, different student insurance plans do have some additional benefits or perhaps some specific constraints.

In order to choose the best plan based on the students requirements and to get sufficient coverage from the international student insurance plan, it is important to compare different features available in the student health insurance plan.

The following are important factors for comparing student health insurance plans:

Policy Maximum: This is the maximum amount on the insurance plan which normally ranges from $50,000 up to $1,000,000. This is the maximum a policy can cover in case of an extreme emergency as per the policy guidelines and conditions mentioned in the policy.

Deductible: The deductible options can range anywhere from $50 up to $5000 between the plans. A larger deductible means lower premium price and vice versa. Picking a large deductible thus low premium by choosing a comprehensive plan is usually recommended, as most of the comprehensive plans have an one time deductible and is cost effective.

Pre existing condition coverage: This is very important benefit factor as many customers need this benefit. The student plans have a minimum 6 month waiting period for coverage of pre-existing conditions.

Coverage for mental illness and drug abuse: This coverage is required by most of the universities.

Cancellation and Renewability: Each plan have their unique cancellation and renew-ability policies. It is important to pay attention to it if there is any ambiguity while booking insurance initially.

Sports and other unique activities: Some of the plans provide coverage for intercollegiate and interscholastic sports... Based on these factors, American Visitor Insurance provides an excellent compare student medical insurance facility where getting quotes as per students’ requirements. Once the required information is entered in the form, a summary of popular student insurance plans are displayed which can be compared.

03. What is the best health insurance for international students? What is the best insurance for international students?

The best student medical insurance will vary for each student. There is no single student insurance which will work as the best international student health insurance plan for all students.

The factors to consider while identifying the best student insurance will be the coverage benefits, the provider network and the cost of the health insurance for international students.

Steps to compare and buy
Best International student insurance

 1: Finding the available best health insurance for international plans

Complete the student insurance quotes request form by providing details of the student and insurance requirements.

 2: Compare the different medical insurance options

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

 3: Buy the student health insurance that you like best

Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.

 4: Review the students medical insurance plan documents received by email

Review the travel insurance policy documents received by email closely for coverage details and relevant contact numbers.

Step by step student travel insurance

Factors for health insurance cost in USA for international students

Student’s age

The student’s age determines the cost of US student medical insurance. The prices for f1 visa US student insurance increases with the age of the student.

The length of coverage

The price of student health insurance in the US can be either monthly or on a daily basis. The price increases with the duration of coverage required.

Maximum medical coverage

Student health insurance USA cost is directly dependent on the medical maximum coverage required. The cost of F1 student medical insurance is less for lower medical maximum and increases with higher medical maximum coverage.

Covid19 Student medical insurance

Health insurance for international students studying in the USA

Health insurance international students USA

Health insurance usa for international students FAQs.

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Health insurance for international students in USA

Resources for health insurance cost for international students in USA

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Factors about health insurance for international students in USA

Factors while buying best insurance for international students in USA.

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Student medical insurance forum

Customer queries and answers about medical insurance.

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Buying student insurance options

Blogs about buying student health insurance.

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USA students study overseas insurance plans

International student medical insurance plans for students studying abroad.

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Best insurance for international students

Cheapest F1 student health insurance

Students when they travel outside their home country to study along with the university academic experience also get an opportunity to experience a new culture and to see different parts of the world and meet new people with varied backgrounds. We work with several US insurance providers that offer excellent student F1 health insurance.

We have developed an excellent compare F1 visa student travel insurance tool and have article and FAQ's with information for the best travel insurance for f1 students studying abroad. Our international student insurance plan comparison facilities lists the student travel insurance that satisfies the student requirements.

Students can find the cheapest health insurance for international students in USA as well as outside the USA. Other than the cost, we also display relevant coverage details of health insurance for international students on F1 visa studying in the USA.

Student health insurance
Student health insurance for top US colleges and universities

Ask me a Question?

International student insurance for Covid

F1 visa student insurance

At American Visitor Insurance, we are committed to getting you the best international student health insurance in USA for Covid

Earlier students had to buy affordable care act, ACA (Obamacare) compliant medical insurance. However recent changes by the US government has removed this requirement and international students can buy affordable health insurance for international students studying in the USA offered here without violating any US government requirements. There are few Covid19 international student health insurance USA plans:

IMG health insurance for international students in the US:

The International Medical Group offers affordable student health insurance coverage for Covid. Their popular Covid19 International student health insurance plans that offer coverage for medical expenses from Covid are

Students can compare cheap health insurance for international students in the USA with Covid coverage that fit their needs.

There are also many F1 Visa international students currently stranded in the US who are not enrolled in any classes. In this situation international students are not limited to buying USA student health insurance and can buy short term US visitors medical insurance. The visitors health insurance plans are cheaper and ideal for international students in the US while they are not enrolled in classes. International students can review and visitors insurance USA and find student travel insurance USA with Covid coverage that fit your needs.

Please know we are here to help you make the best, informed decision to get international students insurance plans! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

TravelInsure insurance for F1 students

TravelInsure Covid19 student health insurance by Study USA (Plus, Preferred and Platinum plans ONLY) offers international health insurance with coronavirus coverage for students outside their home country.

GeoBlue insurance for F1 students

GeoBlue student health insurance by Navigator for Student covers medically necessary COVID testing and treatment.

International students can compare student insurance plans to most appropriate plan that suits their specific needs.

There are some F1 visa students on the OPT status who are not enrolled in any classes. In this situation students are not limited to buying US student health insurance and can buy short term US visitors medical insurance. The visitors insurance plans are cheaper and work well for international students while they are not enrolled in classes. International students can review US visitors medical insurance plans that fit your needs.

Please know we are here to help you make an informed decision to get international students insurance! Let us know how we can assist you. Feel free to contact us by email or phone at any time.


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