The new college semester is fast approaching and it is that time of the year when students are enrolling for the semester courses in US universities.
It is a known fact that healthcare in the US is expensive and since it is not have a nationalized healthcare system, individuals have to pay for all medical expenses.
This means it is required for the foreign students to buy good international student health insurance as it is unimaginable to handle the healthcare costs out of pocket. With many international student medical insurance plans available online in the market
It is cumbersome and complicated to find the plan that matches ones specific requirements. It is therefore important to make a check list of any specific requirements that the University needs to be satisfied.
With this being said, American Visitor Insurance has developed an excellent compare Covid19 student medical insurance tool which helps international students find and buy the best student insurance with Covid19 coverage of their choice. To get a free price quote here, the inputs needed are the students age, study duration(start date and the end date during which the insurance is required), preferred deductible, preferred medical policy maximum, country of citizenship and the student’s country for education.
On providing this information, the student is provided a summary list of available student health insurance plans that satisfy these requirements along with their premium price. Other relevant details about the plan displayed here are, Underwriter, Rating, Direct Billing details, Co-Insurance, Renewability and other benefits of the plan. To view more details on a particular plan, there is a "details " button available below the Price information. To see the coverage and benefit details there is a "Brochure" button available next to the "details" button.
All these international health insurance for students on the F1 visa (student Visa) in the US are popular and are from top rated insurance providers. It is important to get the specific University requirements while making the selection of the plan. Some of the most basic requested benefits are the coverage for pre-existing condition, pregnancy and maternity coverage, mental health and substance abuse, coverage for sports are available with these plans.
Benefits like preventive care services and wellness coverage are available only with some specific plans. Geoblue Navigator plan from the company Geoblue is the plan with preventive care services coverage.
Coverage for pre-existing condition usually has a waiting period. This period can vary from 6 months or 12 months depending on the plan. There are popular plan section in the webpage where the plans are listed which are popular for unique reasons. Getting a price quote in this page will show many more plans and their details which is useful in getting the right plan.
International students while travelling to the US amidst the pandemic need a good student travel insurance cover that offers coverage for Covid-19 illness. There are several student travel insurance cover that offer to cover Covid-19 as any other illness along with quarantine benefits.
International Students can buy Student Health Advantage and Patriot Exchange from IMG; Student Secure Insurance from WorldTrips; which are the popular Covid19 student health insurance plans offering coverage for eligible medical expenses resulting from.
These plans include student medical insurance for maternity coverage. There are also plans that provide sufficient coverage for student insurance for sports activities.
This tool is very helpful for the students to compare the University Requirements they have for health insurance with what is available in the market. The weblinks provided in this blog are resourceful to learn more about the student health insurance related features.
A PPO (Preferred Provider Organization) for student health insurance can be extremely beneficial for international students seeking coverage in the USA under emergency.
A buying student health insurance with good PPO network provides international students with a balance of broad access to quality healthcare providers and significant cost savings when using in-network services. This makes navigating the complex US healthcare system much more manageable and affordable.
The U.S. continues to be a top choice for international students, offering not only academic excellence but also practical work opportunities through programs like OPT. With rising enrollment and record-high participation in OPT, the country solidifies its position as a leader in global education and career advancement. International students are encouraged to explore these opportunities to build a strong foundation for their future careers.
The total number of international students in the U.S. reached 11,26,690 in the academic year 2023-24, marking a 6.6% increase compared to the previous year. This growth underscores the U.S.'s continued appeal as a global education hub. International students now make up 5.9% of the total U.S. student enrollment, reflecting the diversity and global reach of American higher education.
| Year | Total international students | % international students |
|---|---|---|
| 2023-2024 | 11,26,690 | 5.9% |
| 2022-2023 | 10,57,188 | 5.6% |
| 2021-2022 | 9,48,519 | 4.7% |
The international student insurance for USA cost per month ranges from$30 to $115. The price depends on the factors such as student's age, coverage duration, medical benefits, deductible, and co-insurance. Additionally the student health insurance cost in the US also depends on coverage for mental illness, dental expenses, hazardous sports, maternity and coverage for pre-existing ailments. Here at American Visitor insurance we have calculated the cost of health insurance for international students to help you compare and make an informed choice while buying the plan.
The cost of health insurance for an international student per month aged 20 years.| Insurance Plans | Policy maximum | Deductible | Cost |
|---|---|---|---|
| Student Journey Lite IMG | $150,000 | $100 | $30 |
| StudentSecure Smart WorldTrips | $200,000 | $0 | $32 |
| Student Journey Plus IMG | $300,000 | $500 | $48 |
| StudentSecure Budget WorldTrips | $500,000 | $0 | $53 |
| Patriot Exchange IMG | $50,000 | $250 | $58 |
| Diplomat America Global Underwriters | $50,000 | $250 | $63 |
| Student Journey Platinum IMG | $500,000 | $250 | $74 |
| StudentSecure Select WorldTrips | $1,000,000 | $0 | $104 |
| Student Health Advantage Standard IMG | $500,000 | $250 | $115 |
Source: American Visitor Insurance®
The cheapest health insurance for F1 students is offered by Student Journey Lite insurance plan, starting at just $30 per month. Other affordable student health insurance option includes Student Secure Smart insurance and Student Journey Plus insurance. This cost mainly depends on different factors such as student's age, coverage duration, medical benefits, deductible, and co-insurance.
The best health insurance for international students in the USA are Student Journey Platinum by IMG, Patriot Exchange Program from IMG, StudentSecure Select from WorldTrips. Choosing the best health insurance for international students in the USA depends on factors such as personal health needs, budget, university insurance requirements, and visa status.
Covers doctor visits in case of sudden injury or sickness.
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Some plans cover high school sports activities.
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Repatriation of remains expenses to home country in case of death.
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Expenses from sudden dental pain and accidental dental injuries.
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Some plans offer coverage for pregnancy, maternity and new born.
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Student insurance who need coverage for existing medical ailments.
Know more »Review student insurance plan benefits.
Cost-Effective Alternatives: Enjoy students insurance coverage on par with university-sponsored plans, but at significantly lower premiums—without compromising on benefits. You're getting exceptional value.
Whether you're on an F-1, J-1, OPT, M-1, or even a dependent visa like F-2 or J-2, our plans are engineered to meet those unique requirements so you stay compliant, covered, and stress-free.
From acute illness and chronic condition support to maternity, mental health, sports, and even device protection our plans are flexible and globally effective no more battling campus restrictions when heading off-site or on OPT. Not just limited to semesters renewable coverage through OPT, transfer between universities without hassle, and extensions beyond graduation make our plans a seamless companion throughout your U.S. journey.
“ After rigorous searching for suitable student health insurances online, I stumbled upon the American visitor Insurance website and the customer representatives were really patient and helpful in guiding me with the best plan that suits me. ”
“ We want to appreciate the fine service provided by your friendly employees from the NJ office, in helping us navigate insurance plans and successfully purchase plans for my parents. They are extremely courteous, patient, efficient and knowledgeable. ”
“ Your customer service provided me with perfect service and helped me very much to find policy I needed (for J2 visa). She was very polite and answered all my questions. I'm fully satisfied with the service. Thank you very much! ”
Review student insurance plan benefits.
Choosing the right health insurance plan is essential for international students studying in the United States. With so many options available, it can be challenging to compare coverage limits, monthly costs, deductibles, and how pre-existing conditions are handled. The table below provides a clear side-by-side comparison of some of the most popular student health insurance plans tailored for international students. Whether you’re looking for the most affordable monthly premium, the highest coverage amount, or flexible payment options, this chart will help you decide which plan best fits your health needs and budget while studying in the U.S.
Costs are based on quotes for 20-year-old students traveling to the USA
| Plan name | Max coverage | Deductible | Pre-existing coverage | Monthly cost | Yearly cost | Payment option |
|---|---|---|---|---|---|---|
| Student Journey Lite IMG | $150,000 per injury/illness | $100 | Covered after 6 months | $30 | $360 | Annual payment |
| StudentSecure Smart WorldTrips | $200,000 overall maximum | $0 | Not covered | $32 | $372 | Monthly/ Annual |
| Student Journey Plus IMG | $300,000 per injury/illness | $500 | Covered after 6 months | $48 | $576 | Annual payment |
| StudentSecure Budget WorldTrips | $500,000 overall maximum | $0 | Covered after 12 months | $53 | $624 | Monthly/ Annual |
| Patriot Exchange IMG | $500,000 overall maximum | $500 | Covered after 12 months | $66 | $794 | Annual payment |
| Student Joureny Platinum WorldTrips | $500,000 per injury/illness | $250 | Covered after 6 months | $74 | $888 | Annual payment |
| Student health advantage standard IMG | $500,000 overall maximum | $250 | Covered after 12 months | $95 | $1,146 | Monthly/ Annual |
| StudentSecure Select WorldTrips | $1,000,000 overall maximum | $0 | Covered after 6 months | $106 | $1,248 | Monthly/ Annual |
| StudentSecure Elite WorldTrips | $5,000,000 overall maximum | $0 | Covered after 6 months | $181 | $2,135 | Monthly/ Annual |
| Student Health Advantage Platinum IMG | $1,000,000 overall maximum | $100 | Covered after 6 months | $282 | $3,389 | Monthly/ Annual |
Source: American Visitor Insurance®
If you’re an international student planning to study in the USA on an F1 visa, having the right health insurance is essential. Most of the universities typically require F1 students to have health insurance coverage for medical expenses, emergency medical evacuation, repatriation of remains, and often mental health or maternity care. To make sure you meet both university and visa requirements, explore our comprehensive guide on best F1 visa health insurance requirements in USA.
International students in the US come from different countries, with diverse economic backgrounds and face different financial needs. At American Visitor Insurance we offer health insurance for international students with flexible payment structures designed to make it more affordable and convenient, whether they are in the US for a semester or for an entire program spanning many semesters.
There are different student insurance payment options available depending on the insurer and the length of coverage. The payment options are mainly either monthly or yearly, and the purchase can be either by paper or bought online. Here are some details of the different payment options for international student insurance in the U.S.
| Payment Period | Highlights | Advantage | Disadvantage |
|---|---|---|---|
| Monthly | Monthly payments, with recurring installments | Flexible with small installments | Overall higher total cost, and time consuming, Student must remember to pay on time to keep student medical insurance active. |
| Yearly | Pay the full premium up front (for entire policy period usually one year) | Cheaper than monthly payments, no risk of losing coverage by oversight | Larger upfront cost |
| Method | Description | Speed | Highlight |
|---|---|---|---|
| Online Application | Complete online application and payment on American Visitor Insurance | Fast — Policy issued instantly | Most common and use Credit card |
| Paper Application | Complete paper forms and submit documents by post | Slower — Takes time (few days) to process | Can pay by Check |
There are quite a few US health insurance for students that cover sports activities. It is hard to pick one plan as the best plan. There might be slight differences in the kind of sports activities that they cover. On American Visitor Insurance we offer the best sports health insurance plans for international students.
Coverage level |
Add-on cost (flat monthly rate) |
Sports covered |
| Low Option | $12.00 | Ballet, Baseball, Cheerleading, Cross Country, Diving, Equestrian, Fencing, Field Hockey, Golf, Horse Polo, Water Polo, Rowing, Softball, Surfing, Swimming, Tennis, Track & Field, Volleyball |
| Middle Option | $26.00 | Basketball, Competitive Cycling (Road, Track, CX), Ice Hockey, Inline Skating (with helmet/proper gear), Lacrosse, Martial Arts/Karate, Modern Pentathlon, Skiing (Slalom, Giant Slalom, Downhill), Ski Jumping and Wrestling |
| High Option | $80.00 | Football (No Division I), Gymnastics, Rugby (No Division I) and Soccer |
Find out the best insurance for your budget and needs.
Step by step guide to buying the best travel insurance.
Best student group travel medical insurance.
Compare International health insurance for students in USA
International student health insurance is health insurance coverage for individuals who are studying abroad either short or long term while away from their home countries. Many of the US domestic health insurance plans may not cover a person fully while abroad.
Also, some international programs may require certain levels of health insurance while participating in their programs. Luckily, we at American Visitor Insurance have made it easy to compare and find a student health insurance plan just right for you and your situation.
Yes, international students can and should get good international student health insurance. At American Visitor Insurance, we work with US insurance providers who have designed excellent health insurance for international students studying in the USA as well as for US students studying outside the USA.
International students can compare international student insurance products on our website and buy the best student insurance plan that suits their needs. The student insurance policy document will be emailed to the student on completing the online transaction.
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:
Best health insurance for international students in usa offering coverage for pregnancy, maternity and new born.
Click here to read more »Health insurance for international students studying in the usa offering high schools sports activities coverage.
Click here to read more »Review and compare the best international student travel medical insurance.
Click here to read more »Resources for health insurance cost for international students in USA.
Factors while buying best insurance for international students in USA.
Customer queries and answers about medical insurance.
Blogs about buying student health insurance.
International student medical insurance plans for students studying abroad.
Click here to read more »
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.
International Student insurance
J1 visa holders insurance
F1 visa holders insurance
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F2 visa health insurance
USA Student overseas insurance
Best health insurance for students in USA
US students studying abroad insurance
OPT student health insurance
Obamacare requirements
Student group travel Insurance
Student colleges requirements
