📌 What is Student Journey Plus Student Insurance?
Ideal for non-U.S. international students coming to the USA., Starting at just $1.6/day*
IMG’s Student Journey Plus international student health insurance is available for non-U.S. individuals coming to the USA (or its territories) on J1, F1, and M1 visas. International students planning to continue their education in the U.S. may be required to have health insurance in place before they can enroll or apply for a visa. Some U.S. universities mandate group health insurance plans, while others have specific benefit requirements but allow students to provide their own coverage.
IMG offers flexibility, ensuring you can access the right benefits at the right cost. The Student Journey Medical Insurance provides a comprehensive range of essential benefits designed to meet both the medical and budgetary needs of all students.
*The price shown is for a 30-day trip with a $300,000 maximum coverage and a $100 deductible for a 18-year-old traveler.
⭐ Student Journey Plus Student Insurance Reviews
🧾 How Much Is Student Journey Plus Student Travel Insurance Coverage?
The policy maximum amount of coverage is the cumulative total amount of Dollar amount benefit that is available by Student Journey Plus student insurance. Once reached, no other benefits will be available. Student Journey Plus student insurance has policy maximum options of $300,000.
📉 What Is a Deductible in Student Journey Plus Student Insurance?
The deductible is the Dollar amount that insured travelers need to pay for coverage before the Student Journey Plus student travel insurance actually starts to pay. Student Journey Plus student insurance has deductible options of $500 per period of coverage In-Network / $750 Out-of-Network.
✨ What Are the Key Highlights of Student Journey Plus Insurance?
- Covers pre existing condition after 6 months waiting period.
- Optional coverage available for Adventure Sports.
- Includes emergency care and support benefits.
- Available for purchase for a period of up to 12 months.
- Option to extend coverage to include spouses and children.
- Telehealth services provide 24/7 access to a nationwide network of board-certified doctors in the U.S.
👤 Who Is Eligible for Student Journey Plus Student Insurance Plan?
- Be an active Participant, Spouse of the Participant, or Children traveling with the Participant and residing outside his/her primary Country of Residence for a temporary period of time, and if Destination Country is the United States, Insured Person must hold one of the following visa types: F1/F2, J1/J2, M1/M2 or A1/A2
- Be at least 31 days old but not yet 65 year old.
- Be physically and legally residing in the destination country with the intent to reside there for at least 30 days on the effective date and at renewal.
- Not be hospitalized, disabled, pregnant or HIV+ on the initial effective date.
🛡️ What Are the Coverage Conditions Included in Student Journey Plus Insurance?
- Coverage and benefits are subject to the deductible and coinsurance, and all terms of the Certificate of Insurance and Master Policy
- Coverage under this plan is secondary to any other coverage
- Coverage and benefits are for medically necessary, usual, reasonable, and customary charges only
- Charges must be administered or ordered by a physician
- Charges must be incurred during the period of coverage or benefit period
- Claims must be presented to IMG for payment within ninety (90) days from the date the claim was incurred.
💰 How Much Does Student Journey Plus Insurance Cost Per Month?
The Student Journey Plus insurance cost per month is starting at just $48 to $195 and the cost depends on:
- Age of the student
- Selected policy maximum
- Deductible amount
The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium.
- Ages 0–64: $300,000
Example: Below is the monthly cost of Student Journey Plus insurance of coverage with a $500 deductible, provided by American Visitor Insurance.
✅ What Are the Benefits of Student Journey Plus Student Insurance?
-
Eligible Medical Expenses help 100% Hospital room and board help $350 deductible per confinement Surgery help In network: 80%
Out network: 60%Intensive Care help In network: 80%
Out network: 60%Hospital Emergency Room $350 illness deductible if not admitted Outpatient Diagnostic Laboratory / X-ray $30 copay per day including interpretation of results Outpatient Diagnositc Radiology $100 copay per day including interpretation of results Anesthesia help 100% Chiropractic Care help Included (medical order or treatment plan required) Physical Therapy help Outpatient $35 per visit, 1 visit per day, 12 visit max Physician Visits help Outpatient $35 per visit, 1 visit per day, 12 visit max Urgent Care Clinic help 100% Walk-In Clinic help 100% Chemotherapy / Radiation Therapy help $1,000 max Inpatient and Outpatient combined Pre-Admission Testing $900 max Assistant Surgeon help 25% of Surgeon's payable benefit
(20% of primary surgeon’s eligible fee)Prescription Drugs and Medication $100 per prescription 30 days dispensing maixmum per prescription Mental/Nervous help Outpatient: 80% up to 40 visits or $5,000 max per policy period
Inpatient: 80% up to 30 days max -
Maternity In network: 80%
Out network: 60%Newborn Care $500 maximum -
Pre-Existing Conditions help After 6 months of waiting period -
Traumatic Dental Injury help In network: 80%
Out network: 60%Dental Treatment $500 max (unexpected pain or non-emergent accidents only) -
Accidental Death & Dismemberment help Principal Sum Maximum: $10,000
➕ What Are the Optional Benefits of Student Journey Student Medical Insurance?
The Student can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
1. Student Journey Plus Insurance Adventure Sports Rider
- Available for those up to the age of 65 years.
- Activities Covered upto lifetime maximum: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking, whitewater kayaking or whitewater rafting in water less than Class V difficulty, wildlife safaris, and windsurfing
- Each and every activities are carried out in strict adherence with the instruction, best practices, and recommendations for safe practices as prescribed by a Governing Body or Authority.
| Age | Maximum limit |
|---|---|
| 0-49 years | $50,000 Maximum Limit per Injury or Illness |
| 50-59 years | $30,000 Maximum Limit per Injury or Illness |
| 60-64 years | $15,000 Maximum Limit per Injury or Illness |
🏥 Student Journey Plus – UnitedHealthcare Travel Insurance PPO Network
Student Journey Plus - Does united healthcare cover US travel and how to find hospital or doctor?
IMG maintains when inside the U.S., the UnitedHealthcare Options network which is a longstanding reputable tier one network that gives you more access to more doctors and services. When outside the U.S., you can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes over 18,550 physicians and facilities.
If you purchase Student Journey Plus insurance from IMG with a United Healtcare logo on your insurance card, please state the following when informing your healthcare provider about your IMG travel insurance - "My healthcare coverage uses the United Healthcare travel health insurance network."
local_hospital Find Provider NetworkWhy Should I Buy Student Journey Plus Travel Insurance on American Visitor Insurance?
American Visitor Insurance has developed user friendly quote comparison tools to help travelers compare prices and benefits of different Student Journey Plus travel insurance plans.
American Visitor Insurance also has resourceful FAQ's, Forums and Blogs based on customer needs, all of which are designed easily and make an informed decision of buying the best Student Journey Plus travel insurance plan for your specific requirements.
American Visitor Insurance's licensed customer support staff with over two decades of travel insurance experience, help customers by providing answers to any queries or concerns while buying Student Journey Plus travel insurance.
The customer support staff located in different time zones both in the East Coast and West Coast of the US are available at all times to help you with the online application process as well as to help customers while filing for Student Journey Plus insurance claims should you need to use the insurance coverage while on your vacation.
❓Have questions?
Our support team is ready to assist you.
📝 How Do I File a Claim With Student Journey Plus Insurance?
To file a claim with Student Journey Plus Insurance, follow these steps:
Download Form
Get claim form online
Call Support
1-800-628-4664
Submit Documents
Mail to International Medical Group, PO Box 240429, Apple Valley, MN 55124.
Email Help
customercare@imglobal.com
❓ Student Journey Plus Student Medical Insurance – FAQs
1. Do international students need health insurance? Do f1 students need health insurance?
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.
2. Can international students get health insurance?
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.
3. Can international students get medicare?
No. International students are not eligible for Medicare. Medicare is a US government program only available to US citizens or US permanent residents who have paid into the US system.
4. What is international student health 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.
5. 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.
6. Is there health insurance for college 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.
7. Does college offer health insurance?
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.
8. 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.
