Student Health Advantage Insurance Cost

Age & Citizenship
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Student Health Advantage Insurance Review

Patriot America Insurance
Insurance provider
International Medical Group
Plan life? - Up to a maximum 5 years.
Student Health Advantage can be renewed online
Policy maximum?
Standard plan:
Student- $500,000; Dependent-$100,000
Platinum plan:
Student- $1,000,000; Dependent-$100,000
Deductible options?
$250 per illness or injury
Student Health Center: $5 copay per visit
Student Health Advantage insurance rating
AM Best Rating: "A-" (Excellent) and A- by Standard & poor's
Compare IMG Student Insurance Plans
Compare IMG Student Insurance Plans
Student Health Advantage Underwriter
Underwritten by SiriusPoint Specialty Insurance Corporation, a White Mountains Insurance Group Company.

Student Health Advantage Links

  • Brochure
  • Comprehensive
  • Advantages
  • Disadvantages
  • Claims
  • Renewal
  • Provider Network

Student Health Advantage Insurance for international students in USA

  • This plan is a long term worldwide medical insurance.
  • Designed to specifically meet the needs of international students.
  • Provides lifetime maximum of $500,000.
  • It covers competitive sports upto $5,000 maximum per injury/illness.
View complete details of benefits

A working example of using Student Health Advantage foreign student health travel insurance *

Let us take an example: The medical bill is $25,000, Deductible is $250 and choosen Policy Maximum is $300,000
  • Insurance coverage is $300,000
  • Deductible is $250 per certificate period
  • Co-Insurance : Out of PPO network if within U.S. - 80% of the first $5,000 of the eligible charges, then 100%.
  • Total medical expenses is $25,000
The insured must pay the deductible ($100) before the insurance plan pays anything. Since the policy maximum coverage is $300,000 and the total amount billed is $25,000, the policy will pay 80% of first $5,000 then 100% up to the policy limit ($300,000). In this case the insured expense after the deductible is 20% of first $5,000, which is $1,000. Thus your final expense is $1,000 while the insurance company will cover the remaining $24,000.

Student health advantage
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Hospital Room Rent $9,000 $8,000 $1,000(20% of first $5,000)
Surgery $15,000 $15,000 $0
X Ray $1,000 $1,000 $0
Total $25,000 $24,000 $1,000
*Disclaimer:- We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.

Covid19 IMG student insurance for Coronavirus

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

Student Health Advantage Insurance Information

Student Health Advantage - Advantages

  • Student Health Advantage Insurance Covid19 travel insurance by IMG for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.
  • Meets student visa requirements.
  • Comprehensive coverage plan with benefits per incident.
  • Coverage for individual or groups of two or more members and their dependents.
  • Co-insurance within US or Canada: No Coinsurance for eligible expenses incurred Within PPO network or student health center. For out of PPO network, 80% of first $5000, then 100% thereafter No Coinsurance for eligible expenses incurred outside the US or Canada.
  • Coverage for mental health.
  • Optional adventure sports rider up to the age of 65 years.
  • Covered Medical expenses due to Intercollegiate sports up to $5000.
  • International emergency care like medical evacuation, repatriation, repatriation & political evacuation.
  • Refund of full premium if the policy is cancelled before the effective date. If the cancellation request is received after the policy start date, you will get refund for unused months after deducting the cancellation charges.
  • Limited dental coverage for emergency dental pain relief and injury due to accident.

Student Health Advantage - Disadvantages

  • 12 months waiting period for Pre-existing coverage.
  • Pre-certification of any claims within 48 hours is a must or else the eligible claims amount will be reduced by 50%.
  • Policy can be renewed up to 12 months if plan is purchased initially for 3 months.
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Student Health Advantage Travel Insurance - Frequently asked questions

Is IMG travel insurance legit? Is IMG a real insurance company?

International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas.

Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

How long can I renew Student Health Advantage?

Student Health Advantage can be renewed monthly for up to 12 months and it can be renewed for maximum of 60 months.

Can f2 visa holder buy Student Health Advantage insurance?

Student Health Advantage is one of the best health insurance for f1 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.

Does Student Health Advantage Insurance cover covid illness?

IMG Covid19 travel insurance by Student Health Advantage insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

Does IMG travel insurance cover Covid?

Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.

Does IMG sell Cancel for Any Reason Insurance?

Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

What does IMG insurance stand for?

International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.

Is IMG a good travel insurance company?

International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

Student Health Advantage Insurance - Provider network

International Medical Group Provider network and how to find hospital or doctor?

IMG maintains a wide network of health care providers.
United Healthcare Provider Network
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Steps to buy travel insurance

Complete the quote form by entering your travel information

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International Medical Group(IMG) Insurance related coverage

International Medical Group(IMG) Insurance related coverage

Student Health Advantage Insurance Restrictions

Student Health Advantage Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.