F1 and F2 Visa insurance information, F1 vs F2 Visa insurance

Where is the student studying?


What is the student's nationality?


Is the traveler looking for?


Does the traveler need Schengen Visa Insurance or Long term Europe Visa insurance?


What visa does the student have?


Sports coverage required?


Maternity coverage required?


Travel insurance with vacation cost coverage included?


Type Of Insurance?


Are you a resident of Latin America or the Caribbean?

Enter age
Spouse's age (if traveling)
Reset Students insurance cost details »
An overview

What is F1 and F2 Visa health insurance to US?

F1 and F2 Visa insurance information

The F1 Visa is issued for full time students enrolled in any University in the US, college, high school, private elementary school, seminary, conservatory or a language training program in the US.

For any dependents like unmarried children under age 21 or the spouse who accompany F1 Visa holder will be issued F2 Visa during their stay here in the US. These visas are issued for the length of their education program.

The F1 Visa also allows visa holders a period of practical training know as Optional Practical training (OPT) when the F1 Visa holder is not a full time student within the university but is a intern or a trainee.

Difference between F1 vs F2 Visa

  • F1 Visa issued for full time students enrolled in any University in the US, college, high school, private elementary school, seminary or training program in the US.
  • F2 is issued for any dependents of F1 Visa holder who will accompany F1 Visa holder to the US. Like unmarried children under age 21 or the spouse.

Obama Care and F1 and F2 Visa

Schools in the US offer health insurance plans for student on the F1 Visa. Although there is no set requirements for health insurance for F2 Visa, it is highly important for students in the US to have international student insurance as medical expenses are extremely high in the US where you might end up spending all your savings and be wiped out with no money in case you come across any medical emergency.

After the introduction of the Affordable Care Act (commonly known as Obamacare) since 2014, Schools are offering student health insurance plans compliant with the Obamacare. These plans do not have policy maximum, pre-existing coverage exists along with coverage for maternity and preventive care.

While staying in the US with F1 and F2 visa, students need to good coverage for the any unexpected injury or illness that may occur to anyone and anytime. The coronavirus pandemic has brought about a panic and fear for international students as they travel across different countries.

Students traveling during pandemic should consider buying a sufficient travel insurance cover with Covid -19. There are several International student travel insurance plans that offer coverage for covid-19 along with quarantine benefits. International students can review US visitors medical insurance plans on American Visitor insurance according to the requirements. Feel free to contact by email or phone at any time for further help.

Some schools make it mandatory for students on the F1 Visa to enroll to the school sponsored health insurance program where as someinstitutions allow them to purchase one of your own choice. But it is important to remember that regardless of the school requirements, health insurance plan that we buy must have adequate coverage for all necessities keeping in mind high medical bills.

Here are few popular student plans from our best insurance providers for F1 Visa holders. They are available for F2 Visa if they need to accompany the F1 Visa holder.

  • Student Health Advantage: This plan provides Inpatient/outpatient benefits along with mental health, prescription drugs and much more.
  • Patriot Exchange: This plan has a unique benefit where it offers coverage for F2 Visa holder even when the F1 is not on the same plan. This benefit is not available in any of the other student plans.
  • Study USA: This plan apart from the required benefits provides coverage for one wellness checkup for one Certificate period.
  • Student Secure Select: This is another popular student plan satisfying all the requirements of F1 Visa.

F2 Visa Insurance

While it is not required by the federal Government for F2 Visa holders to satisfy any health insurance requirements, is it okay for F2 Visa holders not to have health insurance?

No way. Everyone in the US should have a health insurance for the entire duration of their stay as medical expenses can be very expensive. Most of the times F2 Visa holders are women and have sometimes even have the need for maternity or pregnancy coverage. This means they need coverage for checkup, maternity, delivery and other related claims.

If the F2 Visa holder gets coverage through the school sponsored insurance program then the charge for maternity and delivery will be two or three times more than the premium for the F1. This becomes too expensive for F2 Visa holders. Many insurance plans provided by school will not cover the dependents. There are also plans that covers F2 only if they are on the same plan as F1. In our maternity and pregnancy insurance coverage page and click on the 'Student Plans' tab to see the plans that cover maternity and more details on the benefits:

If the school does not mandate that the F2 Insurance plan has to be complaint with the ACA, then there are a variety of insurance plans that opens up more options for the F2 holder to choose from. Here are some of those plans:

  • Atlas America: This is a visitor plan but an F1 can buy this plan if the concerned University is fine with the schedule of benefits. Plan will cover 80% for outside the network for the first $5,000 and will cover 100% after the deductible within the PPO network.

    This plan also provides coverage for complications in pregnancy for the first 26 weeks of gestation after which the plan treats pregnancy as pre-existing condition and does not cover it.

  • Patriot America and Patriot America Plus: Plan will cover 90% for the first $5000 within network and pays 100% after that. For outside the network, plan covers 80% for the first $5000.

Please contact our customer support for more details and questions at the toll free number 877-340-7910 or email us.

What does international student health insurance cover?

Health care expenses

Health care expenses

Hospital medical expenses for sickness or accidents during coverage.
Sports Activities

Sports Activities

Some plans cover high school sports activities.
Doctor visit

Doctor visit

Covers doctor visits in case of sudden injury or sickness.
Dental Coverage

Dental Coverage

Expenses from sudden dental pain and accidental dental injuries.
Maternity Coverage

Maternity Coverage

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

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............"Know more

testimonial male
star insurancestar insurancestar insurancestar insurancestar insurance

Ron W

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." Know more

testimonial male
star insurancestar insurancestar insurancestar insurance

Konstantin V.B

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..." Know more

testimonial female
star insurancestar insurancestar insurancestar insurancestar insurance


Resourceful health insurance information for international students ...

Find out the best insurance for your budget and needs
Step by step guide to buying the best travel insurance online
Best student group travel medical insurance
Tourists, Cruises, Students, J1 visa, OPT status, Immigrants...

Covid F1 student health insurance

Despite the spread of the BA.5 Omicron sub-variant, all international students with the F1 and J1 visa's are now allowed in the US. International students should however check the university updates and the covid19 requirements before travelling to US.

Unfortunately, even years after the pandemic started in China, Covid is again making a comeback with new immune-evasive variants. The Covid situation is made even more complicated in the US with influenza and the respiratory syncytial virus (RSV) which spreading earlier and faster than usual. International students should buy the best student travel insurance with covid-19 coverage. In case one contacts covid19 infections the illness will be covered and this includes the new sub-variants. Regardless of the variant a covid cover will provide students with coverage for the Covid infection.

There are many international students in the US either without proper US student medical insurance, or with F1 student insurance that does not cover Covid19. Given the health risk involved due to the Covid19 pandemic, it is very important for students to buy good Student medical insurance which includes coverage for Covid19. A Covid-19 coverage will offer protection towards the coronavirus illness just like any other illness under the benefits of the policy regardless of the variant. At American Visitor Insurance, we offer several international student health insurance with Covid19 coverage. The Covid-19 cover provides coverage just like any other illness irrespective of the variant.

Earlier international students in the US had to buy affordable care act, ACA (Obamacare) compliant medical insurance, however recent changes have removed this requirement. International students can now buy student health insurance plans offered on our website without violating US government requirements. These are some international student health insurance plans with Covid19 coverage. Students while studying in the US need not worry about getting coverage for mutated variants. Irrespective of the variant covid-19 cover will provide students with the coverage if contracted the illness.

International Medical Group Covid19 health insurance plans for international students in the US

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

TravelInsure Covid19 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.

Seven Corners Covid19 Health insurance for F1 and F2 visa Insurance

Seven Corners offers Liaison Student Plus insurance for international students and faculties outside their home country. It covers student medical expenses arising from Covid19 illness. The treatment benefit is available for COVID19 (the disease); SARS-Cov-2 (the virus); and any mutation or variation of SARS-CoV2.

GeoBlue Covid19 insurance for F1 students

GeoBlue Covid19 student health insurance by Navigator for Student with coronavirus coverage covers medically necessary COVID-19 testing and treatment is covered.

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

Compare student insurance plans

There are some F1 visa students still stranded in the USA or 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 health 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.

coronavirus travel insurance
Covid19 Student insurance for Coronavirus
Click here

General - FAQ's

Can F2 Visa holder buy Patriot Exchange insurance?

Patriot Exchange Insurance is one of the best international student health insurance for F1visa student's dependents which an F2 visa holder. The F2 Visa holder can buy even if the corresponding F1 Visa holder is not enrolled in the same plan.

Is it compulsory to have medical insurance for F2 Visa in USA?

Given the high cost of US healthcare, it is prudent to buy medical insurance while on a F2 Visa. While an F2 Visa holder cannot purchase US domestic health insurance, they can purchase US visitor health insurance for an F2 Visa holder from well reputed US insurance providers.

Even if the person is already in the US on their trip, they can still purchase medical insurance for F2 Visa holders starting the next day until they return home. The US F2 Visa travel insurance must be purchased before anything happens in order to be covered.

Does US F2 Visa insurance cover covid19 for coronavirus illness coverage?

There are some USA Covid travel insurance plans available for F2 Visa holders that cover covid19 as a new illness. F2 Visa Holders in USA can compare best F2 Visa Covid health insurance plans and buy coronavirus coverage insurance online. These US F2 Visa covid travel insurance offer coverage for medical expenses for treatment of Coronavirus treatment while in the USA.

Resourceful health insurance for F1, F2 Visa USA medical insurance

Visitor insurance resources

F1 & F2 Visa Medical Insurance resource

Health Insurance for F1 & F2 Visa Holders while in the US

Explore »
Factors for travel insurance

Medical Insurance for F1 & F2 Visa insurance factors

Important factors to consider while buying health insurance for F1 & F2 Visa holder.

Explore »
Types of visitor insurance

Health insurance international students USA

Health insurance usa for international students FAQs

Explore »
Claims Procedure

F1 & F2 Visa insurance claims procedure

Information for F1 & F2 Visa holder insurance claims process

Explore »

USA students study overseas insurance plans

International Student Medical Insurance Plans for students studying abroad

Click here to read more

International health insurance for students

Health insurance for international students in USA

Steps to buy F1 visa international student insurance in the USA

international student insurance USA
The steps for buying the best student health insurance for international students in the US are:
  • Find out from your University/School/College if they a health insurance policy for international students.
  • If they offer a plan, is it mandatory to buy that University plan, or do they allow other student insurance plans.
  • If you are allowed to buy outside student insurance, then compare student insurance plans offered on American Visitor Insurance.
  • Compare the international student insurance here with the University plan based on price as well as coverage benefits.
  • You can also buy health insurance for F2 visa holders and medical insurance for J2 visa holders if required.
  • Select the international student health insurance plan that best fits your budget and needs.
  • On buying the US student insurance plan online, you will receive all the relevant documents by email.

Health insurance for international students studying in the USA

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

Following are the list of popular countries where international students and US students visit to pursue their studies.

Nationalities of large international student groups in the US
Student health insurance for top US colleges and universities
Click here

Ask me a Question?

Offering student medical insurance for
20+ years!
Customers from
All U.S. states!
Customers from over
180 countries!