IMG

IMG International Student health insurance Plans

Compare and buy IMG international Student medical insurance plans

Age
Start Date
End Date
Coverage
Citizenship
Key Features
  • IMG Covid19 Student health insurance by Patriot Exchange Insurance with coronavirus coverage covers Covid19 illness for international students outside their home country.
  • Emergency Medical Evacuation - $25,000 lifetime maximum
  • Return of Mortal Remains - $7500
  • Adventure Sports rider option available
  • Incidental home country coverage for 2 cumulative weeks
  • Pre existing condition coverage after 12 months of continuous coverage.
Plan Options
  • Select Age
  • Maximum Coverage   
  • Deductible
  • $37.54 PER MONTH BUY
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Key Features
  • IMG Coronavirus Student health insurance by Student Health Advantage Insurance with covid19 coverage covers Covid19 illness for international students outside their home country.
  • Maternity and routine new born care
  • Maternity Coverage:
    Outside US and Canada/PPO provider: 100% of the eligible expenses to maximum limit
    In US and Canada/PPO provider: 80% of the eligible expenses to maximum limit
    In US and Canada/Non PPO provider: 60% of the eligible expenses to maximum limit
  • Pre existing condition coverage: 6 months waiting period
Plan Options
  • Select Age
  • Maximum Coverage   
  • Deductible
  • $37.54 PER MONTH BUY
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Key Features
  • IMG Coronavirus Student health insurance by Student Health Advantage Insurance with covid19 coverage covers Covid19 illness for international students outside their home country.
  • Mental Health coverage
  • Organized sports coverage
  • Pre-exisiting conditions: Covered after a waiting period of 12 months
Plan Options
  • Select Age
  • Maximum Coverage   
  • Deductible
  • $37.54 PER MONTH BUY
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International Student Health Insurance Benefits

Important points for purchasing Student Plans

travel

Student Medical Coverage for Accidents or Illnesses

Trip

Coverage for Emergency Medical Evacuation

Trip

Repatriation and Return of Mortal Remains



international student insurance USA

Buying health insurance for international students studying in the USA

There are different factors that determine the cost of best health insurance while studying in USA:

Student’s age

The student’s age is a vital factor that determines the cost of the best USA medical insurance for students. The prices vary for different age groups. The prices while buying f1 visa us health insurance will increase with the increase in the age of the student.

The duration of coverage

The price of cheap graduate student health insurance USA can be either monthly or on a daily basis. The price will be more with an increase in the duration of coverage required.

Maximum medical coverage

The cost of health insurance for international students in USA is directly proportional to the medical maximum coverage required. The cost of F1 student medical insurance is less for a budget conscious student who chooses basic coverage while higher medical maximum coverage will cost more.

IMG's Patriot Exchange vs Student Health Advantage

An article comparing the benefits of International Medical Group's popular student insurance plans namely Patriot Exchange and Student Health Advantage plan.
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A comparison table to review the plans benefits of Patriot Exchange and Student Health Advantage and select a plan that best satisfies your needs.
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Patriot Exchange vs Student Health Advantage Insurance

Student Insurance - International Medical Group (IMG)

Health insurance plans for international students provide the right mix of plan benefits, value, and coverage to keep you safe and healthy. IMG student health plans can help keep your budget healthy, too.
Coverage for international students studying in the U.S. is available to students on an F1 visa and meets J1 visa requirements. Students from the U.S. studying abroad can also stay protected in Schengen visa countries and beyond with an IMG plan.

IMG student insurance FAQs

Without doubt, all students should have health insurance while they are in the US. The US health care costs are the highest in the world and a minor injury or accident could set you back tens of thousands of dollars. Being healthy and taking care of yourself is, of course, highly recommended, but accidents happen to us all and when we least expect. Students should have proper insurance before anything emergency situation arises so that you do not find yourself in serious debt.

Student Health Advantage Platinum with the following coverage:
Maternity coverage inside US/Canada: Covers 80% eligible expenses up to policy maximum inside PPO and 60% eligible expenses up to policy maximum policy maximum outside PPO.
Maternity coverage outside US/Canada: Covers 100% up to policy maximum.
Covers routine care of newborns up to $750 maximum per period of coverage.

Yes, International students can definitely get student medical insurance, we offer many student insurance options on American Visitor Insurance. Quite often, the universities themselves offer student insurance, however this can be expensive. At student insurance plans that we offer are considerably more affordable than the University insurance plans, while providing similar coverage benefits. However, students should confirm if the University allows students to but insurance outside the University, and if they can get the required insurance waiver for this student insurance.

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.

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.

US citizens are eligible to purchase health insurance plans through their state's health insurance marketplace. Non-US citizens can purchase visitor insurance plans. Those foreign students on the F or J visas qualify specifically for "student" health insurance plans which are often cheaper than visitor insurance. Students can compare student medical insurance plans and make an informed choice.

Patriot Exchange and Student Health Advantage Coronavirus coverage includes eligible medical expenses resulting from COVID-19 up to the medical maximum.

Most colleges offer group health insurance for their students. This may be required if the student does not have any other insurance. Check with your institution as to what is available. However the student insurance plans that are offered in American Visitor Insurance are usually cheaper than University insurance while offering similar coverage. Students can compare the coverage of the University insurance along with the plans on this website and make an informed decision.

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.

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.

Covid 19 IMG student insurance coverage for Coronavirus

Patriot Exchange Insurance offers Covid19 international student health insurance coverage for medical expenses arising from Covid illness.
Student Health Advantage Insurance offers Covid19 international student health insurance coverage for medical expenses arising from Covid illness.

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