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International student medical insurance cost in USA

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What is international student medical insurance?

International student medical insurance is a type of health insurance specifically designed for students studying abroad. Student health insurance provides coverage for medical expenses, emergencies, and other health-related services during their time studying in a foreign country. Foreign students can compare different student insurance plans using the Student medical insurance compare tool on American Visitor Insurance.

Do I need to purchase international student medical insurance?

Many countries and universities require international students to have valid student medical insurance. Even if it's not mandatory, having student health insurance is essential to protect yourself from potentially high medical costs in a foreign country, especially in countries like the US. Students should be able to focus on their studies without being burdened with any additional healthcare costs while in a foreign land.

How much does student health insurance cost in the US?

Generally, countries with higher healthcare costs like the USA have more expensive insurance plans. Younger students are healthier and hence enjoy lower costs when compared to older students. Comprehensive student insurance plans with broader coverage have higher premiums based on the coverage benefits. International students can use the Student medical insurance cost calculator on American Visitor Insurance to get specific costs from different insurance providers, review the different coverage details, exclusions, deductibles, and co-payments easily. Students can find affordable international student health insurance that best fits their needs and budget while ensuring access to quality healthcare for their studies abroad using this tool.

Student health insurance USA cost calculator in 2025

How much does International student insurance cost per month? How much does health insurance for foreign students cost per month?

The international student health insurance cost per month ranges from around $30 to $463. The price depends on different factors like the age of the student, the duration, the medical coverage, the deductible and the co-insurance for the plan. 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 average cost of student health insurance plans in the USA is based on quotes for a 20-year-old with a duration of one month.

What does international student insurance cover?

International student health insurance reviews and highlights

  • University Waiver form available on buying international student health insurance USA.
  • F1 student visa insurance coverage available at affordable price.
  • Maternity and newborn care for covered pregnancy available.
  • Coverage for mental illness and drug abuse

What factors determine international students health insurance cost ?

  • Student's age: The student's age determines the cost of US student medical insurance. Students under age 20 can expect health insurance costs ranging from $32 to $460 per month, or $400 to $4,200 per year. The prices for best health insurance for f1 students in USA increases with the age of the student.
  • Length of health insurance for F1 students: The cheapest 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 F1 student insurance coverage: Travel health insurance cost in USA for international students is directly dependent on the medical maximum coverage required. The cost of F1 student health insurance is less for lower medical maximum and increases with higher medical maximum coverage.
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Best health insurance for international medical graduates in USA

Cheap health insurance international students - FAQ's

01. What does international student medical insurance typically cover?

International student medical insurance typically covers unexpected medical expenses related to illnesses, accidents, emergency medical evacuation, repatriation of remains, and some preventive care. The coverage will also include hospitalization, doctor visits, prescription drugs, and other necessary medical treatments. International students can compare the best different student insurance benefits on American Visitor Insurance.

02. Can I choose the duration of my international student medical insurance coverage?

Yes, most insurance providers offer flexibility in choosing the duration of coverage based on the length of your academic program. You can typically select coverage for a semester, an academic year, or multiple years, depending on your needs. The cost of most student insurance plans are on a per day basis, so you can choose the length of coverage exactly according to your needs.

03. Can I purchase international student medical insurance after arriving in the host country?

Yes, most US insurance providers on American Visitor Insurance allow you to purchase coverage after arriving in the host country. It is however recommended to obtain student insurance before your departure to ensure you are protected from the moment you arrive.

04. Are pre-existing conditions covered under international student medical insurance?

Coverage for pre-existing conditions can vary depending on the student insurance plan and insurance provider. Some student health insurance plans may exclude pre-existing conditions from coverage, while others may offer limited coverage or require a waiting period before covering such conditions.

05. Can I extend my international student medical insurance if my study period is extended?

Yes, the US insurance providers on American Visitor Insurance allow international student insurance policy extensions if the student academic program is extended.

06. How can I find the best international student medical insurance for my needs?

Find the cheapest best insurance for students on American Visitor Insurance using our foreign student insurance cost calculator. Factors such as coverage benefits, cost, network of medical providers are displayed objectively allowing students to find the best plan for their budget and needs.

Why is the US a popular destination for international students?

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%

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International student health insurance reviews

"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."

Ron W

"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"

Konstantin V.B

"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!"

Amanda

Best health Insurance for International Students in USA

Health insurance for international students in USA, F1 student health insurance

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Student insurance FAQs

Common questions and answers for international student health insurance options.

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Compare student insurance Blogs

Blogs providing information about the importance of medical insurance for international students.

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Students medical insurance forum

Our real customer queries and answers for affordable student health insurance plans.

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Best insurance for international students

Cheapest medical insurance for F1 students

International students studying abroad, along with their education get an opportunity to experience a new culture, see different parts of the world and meet new people with varied backgrounds. We work with all reputed US insurance providers to offer excellent F1 student health insurance.

American Visitor Insurance has a compare F1 visa student travel insurance tool along with article's and FAQ's with to help students fine the best health insurance for F1 students. The compare foreign student insurance tool displays the cost and coverage details of students medical insurance that satisfy f1 visa health insurance requirements. Students can easily find cheap health insurance for international students by comparing both cost and other F1 visa student insurance coverage benefits.

International student insurance

Which is the best health insurance for international students in USA?

Patriot Exchange Program IMG

  • Ideal for : F1 & J1 students visa holder, Adventure Sports
  • Pre-existing condition: Comprehensive plan with high medical maximum and pre-existing conditions coverage after 12 months of waiting period.
  • Mental health: Out Patient : Max 50 visits, maximum limit, Inpatient: Up to $10,000
  • Direct Billing: First healthcare network First health care Provider Network or United HealthCare United Healthcare Provider Network
  • Renewal: Can be renewed and extended up to 24 months.
  • Patriot Exchange Program insurance cost for a 20 years old student starts from $56 per month ($675 per year). An annual payment option is available to students.
  • Policy maximum?
    $50,000 to $5,000,000

  • Deductible options?
    $0 to $500

  • Period of coverage?
    1 month up to 12 months

Student Journey Platinum IMG

  • Ideal for : J1, F1, A1 and M1 visas, Adventure Sports, Maternity
  • Pre-existing condition: Covers after 6 months of waiting period
  • Mental health: Out Patient : Max 40 visits, maximum limit, Inpatient: Up to 30 days max
  • Direct Billing: United HealthCare United Healthcare Provider Network
  • Renewal: Can be renewed and extended up to 12 months.
  • Student Journey Platinum insurance cost for a 20 years old student starts from $74 per month ($888 per year). An annual payment option is available to students.
  • Policy maximum?
    $500,000

  • Deductible options?
    $250

  • Period of coverage?
    30 days to 12 months

StudentSecure Select Insurance Worldtrips

  • Ideal for : F1 & J1 students visa holder, Maternity, Sports coverage
  • Acute on set of pre-existing condition: $25,000 up to policy maximum
  • Mental health: Physician Office Visit: Max 30 visits, Inpatient: Max 30 days (includes drug and alcohol abuse)
  • Direct Billing: United HealthCare United Healthcare Provider Network
  • Renewal: Can be renewed and extended up to 4 years.
  • Student Secure Select insurance cost for a 20 years old student starts from $106 per month ($1248 per year). You can buy the plan either on a monthly or a yearly basis.
  • Policy maximum?
    $1,000,000

  • Deductible options?
    $0

  • Period of coverage?
    30 days to 364 days

Student Health Advantage Standard IMG

  • Ideal for : F1, J1,M1 and A1 students visa holder, Adventure Sports
  • Pre-existing condition: Covers after 12 months of waiting period
  • Mental health: Out Patient : Max 50 visits, maximum limit, Inpatient: Up to $10,000
  • Direct Billing: First healthcare network First health care Provider Network or United HealthCare United Healthcare Provider Network
  • Renewal: Can be renewed and extended up to 60 months.
  • Student Health Advantage Platinum insurance cost for a 20 years old student starts from 118 per month ($1,416 per year), both monthly and annual payment options are available. Offers high policy maximum and good coverage for various medical emergencies.
  • Policy maximum?
    $500,000

  • Deductible options?
    $250

  • Period of coverage?
    1 month up to 12 months

StudentSecure Elite Insurance Worldtrips

  • Ideal for : F1 & J1 students visa holder, Maternity, Sports coverage
  • Acute on set of pre-existing condition: $25,000 up to policy maximum
  • Mental health: Physician Office Visit: Max 40 visits, Inpatient: Max 40 days (includes drug and alcohol abuse)
  • Direct Billing: United HealthCare United Healthcare Provider Network
  • Renewal: Can be renewed and extended up to 4 years.
  • Student Secure Elite insurance cost for a 20 years old student starts from $181 per month ($2135 per year). You can buy the plan either on a monthly or a yearly basis.
  • Policy maximum?
    $1,000,000

  • Deductible options?
    $0

  • Period of coverage?
    30 days to 364 days

Student Health Advantage Platinum IMG

  • Ideal for : F1, J1,M1 and A1 students visa holder, Adventure Sports, Maternity
  • Pre-existing condition: Covers after 12 months of waiting period
  • Mental health: Out Patient : Max 50 visits, maximum limit, Inpatient: Up to $10,000
  • Direct Billing: First healthcare network First health care Provider Network or United HealthCare United Healthcare Provider Network
  • Renewal: Can be renewed and extended up to 60 months.
  • Student Health Advantage Platinum insurance cost for a 20 years old student starts from $353 per month ($4,236 per year), both monthly and annual payment options are available.
  • Policy maximum?
    $1,000,000

  • Deductible options?
    $100

  • Period of coverage?
    1 month up to 12 months

What is the best medical evacuation insurance for international students?

International students may need medical evacuation and repatriation insurance to meet visa or school requirements.

  • 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 $50,000.
  • This plan can be available from 5 days to 365 days.
  • Repatriation of remains coverage is available for up to $25,000.
  • 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.

Which are the best insurance companies for international students in USA?

You can find reliable US insurance providers like International Medical Group(IMG), WorldTrips, GeoBlue insurance.

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