Travel Insure

Study USA Insurance Coronavirus Reviews for Covid19

Study USA insurance Covid - Study USA insurance coverage for Coronavirus

Covid student health insurance by Study USA (Plus, Preferred and Platinum plans ONLY) offers international student health insurance with coronavirus coverage for students outside their home country.

Study USA international student insurance, Study USA international student insurance review

  • Ideal for J1 and F1 visa holders who are engaged in a full-time educational program.
  • Meets most requirements set by: Department of State, USCIS, NAFSA and University Study Abroad Programs.
  • Provides coverage for pre-existing conditions after 6 or 12 months of continuous coverage.
  • Can be renewed up to four years of continuous coverage.
  • Study USA Insurance Carrier: Travel Insurance Services.

Study USA links

  • Brochure
  • Details
  • Application
  • Comprehensive
  • Claims
  • Provider Network

Plan Benefits of Study USA insurance, Study USA international student health insurance review

Age
Spouse
Start Date
End Date
Coverage
Citizenship
Study USA Basic
Plan Maximum
$100,000
Deductible
Study USA Standard
Plan Maximum
$100,000
Deductible
Study USA Preferred
Plan Maximum
$300,000
Deductible
Study USA Platinum
Plan Maximum
$500,000
Deductible
Brochure & Details links
COVID-19
No Coverage Covered as any other illness Covered as any other illness Covered as any other illness
Pre-existing Conditions Waiting Period
No Coverage $500 maximum per certificate period; 12 months waiting period 12 months waiting period 6 months waiting period
Maximum per injury or illness
$100,000 $100,000 $300,000 $500,000
Deductible (except emergency room)
$250 in network / $500 out of network $100 in network / $250 out of network $50 in network / $150 out of network $25 in network / $100 out of network
ER Deductible
$500 per incident $350 per incident $250 per incident $100 per incident
Overall Maximum Limit
$200,000 $200,000 $600,000 $3,000,000
Coinsurance inside the U.S.
In network: 80% after deductible, up to overall maximum limit
Out of Network: Plan pays 100%
In network: 80% after deductible, up to overall maximum limit
Out of Network: Plan pays 100%
In network: 80% after deductible, up to $25,000, then overall maximum limit
Out of Network: Plan pays 100%
In network: 80% after deductible, up to $10,000, then overall maximum limit
Out of Network: Plan pays 100%
Coinsurance outside the U.S.
Plan pays 100% Plan pays 100% Plan pays 100% Plan pays 100%
Local Ambulance
$300 per injury or illness $350 per injury or illness $350 per injury or illness $350 per injury or illness
Prescription Drugs
For outpatient prescription 50% of actual charges $30 deductible for generic drugs
$100 deductible for brand name
$15 deductible for generic drugs
$50 deductible for brand name
$15 deductible for generic drugs
$30 deductible for brand name
Wellness
Not Avaliable 100% of one routine physical exam per member 100% of one routine physical exam per member 100% of one routine physical exam per member
Dental Treatment due to Accident
Not Available Not Available $1,000 maximum per certificate period $1,000 maximum per certificate period
Dental Treatment due to Alleviate pain
Not Available Not Available $100 $100
Intercollegiate Interscholastic, Intramural or club sports
Not Available Not Available Not Available Optional Buy-Up: $10,000
Sports & Activities - Leisure, Recreational, Entertainment, or Fitness
Up to the overall maximum limit Up to the overall maximum limit Up to the overall maximum limit Up to the overall maximum limit
Terrorism
Not Available Not Available Up to $50,000 lifetime maximum Up to $50,000 lifetime maximum
Accidental Death and Dismemberment
Not Available Up to $5,000 lifetime maximum Up to $25,000 lifetime maximum Up to $25,000 lifetime maximum
Emergency Reunion
Up to $1,500, maximum of 15 days Up to $2,500, maximum of 15 days Up to $2,500, maximum of 15 days Up to $5,000, maximum of 15 days
Emergency Medical Evacuation
$50,000 lifetime maximum $250,000 lifetime maximum $500,000 lifetime maximum $500,000 lifetime maximum
Outpatient Treatment
Up to the overall maximum limit Up to the overall maximum limit Up to the overall maximum limit Up to the overall maximum limit
Mental Health Disorders (excludes drug abuse and alcohol abuse)
Treatment must not be provided at a student health center.
Outpatient: $50 maximum per day, $500 maximum.
Inpatient: Up to $5,000
Treatment must not be provided at a student health center.
Outpatient: $50 maximum per day, $500 maximum.
Inpatient: Up to $5,000
Treatment must not be provided at a student health center.
Outpatient: $50 maximum per day, $500 maximum.
Inpatient: Up to $10,000
We will pay: Within the PPO: 80% of eligible expenses, after the deductible, up to the overall maximum.
Outside the PPO: Usual, reasonable, and customary up to the overall maximum. You may be responsible for any charges exceeding the payable amount.
Outside the U.S.: 100% coinsurance, after the deductible, up to the overall maximum.
Outpatient: Maximum of 30 visits.
Inpatient: Maximum of 30 days.
Treatment must not be provided at a student health center.
Maternity Care for a Covered Pregnancy
Not Available We will pay:
Within the PPO: 80% of eligible expenses, after the deductible, up to $8,000.
Outside the PPO: Usual, reasonable, and customary up to $8,000. You may be responsible for any charges exceeding the payable amount.
Outside the U.S.: 100% coinsurance, after the deductible, up to $8,000
We will pay:
Within the PPO: 80% of eligible expenses, after the deductible, up to $15,000.
Outside the PPO: Usual, reasonable, and customary up to $15,000. You may be responsible for any charges exceeding the payable amount.
Outside the U.S.: 100% coinsurance, after the deductible, up to $15,000.
We will pay:
Within the PPO: 80% of eligible expenses, after the deductible, up to $25,000.
Outside the PPO: Usual, reasonable, and customary up to $25,000. You may be responsible for any charges exceeding the payable amount.
Outside the U.S.: 100% coinsurance, after the deductible, up to $25,000.
Nursery Care of Newborn
Not Available Up to $250 - not subject to coinsurance Up to $750 - not subject to coinsurance Up to $750 - not subject to coinsurance
Therapeutic Termination of Pregnancy
Not Available Up to $500 - not subject to coinsurance Up to $500 - not subject to coinsurance Up to $500 - not subject to coinsurance
Personal Liability
Not Available Not Available Not Available Up to $150,000 lifetime maximum
Up to $150,000 third person injury
Up to $150,000 third person property
$1,500 related third person property
- not subject to deductible, coinsurance, or overall maximum limit
Repatriation of Remains
Up to $25,000 lifetime maximum Up to $25,000 lifetime maximum Up to $25,000 lifetime maximum Up to $50,000 lifetime maximum

Travel Insure international student health insurance for Coronavirus

Covid student health insurance by Study USA (Plus, Preferred and Platinum plans ONLY) offers international student health insurance with coronavirus coverage for students outside their home country.

Travel insure Covid19 travel insurance renewal or extension of insurance

During this pandemic, many students may be stuck in their destination country and unable to fly home due to travel restrictions. Students enrolled in the Study USA plans and they need to extend their stay in the U.S. until they can get a flight, they can extend their insurance policy accordingly.

To extend a Study USA policy, please renew Study USA insurance online.
  • Advantages
  • Disadvantages

Study USA Insurance advantages

  • Study USA Insurance Covid19 travel insurance by Travel Insure for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.
  • Comprehensive coverage plan with benefits per incident.
  • This plan covers international students studying in US and US students studying outside the US.
  • Meets JVisa requirements.
  • Option for family coverage.
  • This plan meets most of the requirements set by Department of State, Immigration and naturalization services, NAFSA and university study abroad programs.
  • Initially can be purchased for one year and can be renewed later.
  • Policy has to be renewed within 30 days following the end of their current coverage period to avoid a lapse in coverage.
  • This plan covers for repatriation of remains, medical evacuation, AD&D, mental or nervous disorders and alcohol & substance abuse benefits, concierge services, dental treatment, therapeutic termination of pregnancy and ID theft service.
  • Copay for prescription drugs-After you pay the deductible, $10 for generic and $20 for brand names.
  • For medical expenses up to $25,000, coinsurance within the network or outside the US, plan pays 80% and then pays up to 100% of covered expenses. Coinsurance out of the PPO network, plan pays 70% of the eligible medical expenses.
  • Waiver of deductible if medical service is first received from the student health center.
  • Round the clock emergency assistance for medical services, arranging communication between insured, insured family, doctors, legal emergencies etc.

Study USA Insurance Disadvantages

  • The benefit for US students studying abroad is only $5000 for mental or nervous disorders and alcohol & substance abuse benefits.

What are some insurance terms important in Study USA Insurance reviews, Cheapest health insurance for international students in USA?

  • Plan Maximum coverage of Study USA student insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Study USA insurance offers plan maximum coverage of $200,000, $600,000 and $3,000,000 are available.
  • What is a deductible in Study USA visitors insurance?
    This is the initial amount the student needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible.Study USA insurance has deductible options are $25, $50, $100 and $250.
  • What is a provider network of Study USA Medical Insurance?
    It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
  • What is coinsurance in Study USA visitor insurance?
    This is a percentage of the bill that the student has to pay. Study USA plan pays 100% outside USA.
    For coverage inside USA:
    Study USA insurance pays
    IN PPO NETWORK
    Plan pays 80% after deductible, up to overall maximum limit.
    OUT OF PPO NETWORK
    Plan pays 100%.
  • Renewability of Study USA student health insurance
    Study USA Insurance plan up to 364 consecutive days of coverage and can be renewed up to four years of continuous coverage.
  • Eligibility to buy Study USA Insurance Online
    It is an ideal for J1 and F1 visa holders who are engaged in a full-time educational program.
  • Study USA Insurance underwritten by HCC Lloyd’s Syndicate 4141 and rating "A" (Excellent) by AM Best Rating.

A working example of using Study USA student insurance (Offered by Travel insure) *

Let us take an example: The medical bill is $25,000; Deductible is $100 and choosen Policy Maximum is $50,000.
  • Insurance coverage is $50,000
  • Deductible is $100 per certificate period
  • Coinsurance for claims incurred inside Outside U.S:After the deductible, The plan will pay 100% up to the policy limit
  • Your claims for medical expenses is $25,000
The Study USA student insurance plan covers set amount up to a maximum of $50,000. The insured must pay the deductible ($250). After that, the insurance company pays fixed amount as defined in the policy for specific treatment. In hypothetical case, the insured has to pay the difference between the amount insurance pays and the actual billed amount.
study usa international student health insurance
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Hospital Room Rent $9,000 $9,000 $0
Surgery $15,000 $15,000 $0
X Ray $1,000 $1,000 $0
Total $25,000 $25,000 $0
* 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.

Does Study USA Insurance cover covid illness?

Travel Insure Covid19 travel insurance by Study USA 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.

Related links for Study USA Health Insurance for International Students, Best medical insurance for international students in USA

Travel Insure travel insurance Links

Welcome to American Visitor Insurance  - Online Chat
Name is required
Email is required Email is invalid
Contact is required