• 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 links
Brochure      Advantages       Disadvantages      

Customer care links
Comprehensive       Claims      Provider Network      Renewal     
 

Plan Benefits of Study USA insurance

Age
Start Date
End Date
Coverage
Citizenship
Study USA Basic
Maximum
$200,000
$200,000
Deductible
$100
Study USA Standard
Maximum
$200,000
$200,000
Deductible
$50
Study USA Preferred 300
Maximum
$300,000
$300,000
Deductible
$45
Study USA Preferred 500
Maximum
$500,000
$500,000
Deductible
$25
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)
$100 in network / $150 out of network $50 in network / $150 out of network $45 in network / $90 out of network $25 in network / $50 out of network
ER Deductible
$500 per incident $350 per incident $250 per incident $100 per incident
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 $25,000, then 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 $25,000, 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 $10 deductible for generic drugs
$20 deductible for brand name
$10 deductible for generic drugs
$20 deductible for brand name
$10 deductible for generic drugs
$20 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
Physical Therapy & Chiropractic Care
Up to $25 per visit per day Up to $50 per visit per day Up to $50 per visit per day Up to $75 per visit per day
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 $2,500 maximum per injury or illness. Medical Expenses Only $5,000 maximum per injury or illness. Medical Expenses Only $5,000 maximum per injury or illness. Medical Expenses Only
Mental Health Disorders
Outpatient $50 max per day, $500 max;
Inpatient Up to $5,000 (excludes drug and alcohol abuse).
No treatment at student health center
Outpatient $50 max per day, $500 max;
Inpatient Up to $5,000 (excludes drug and alcohol abuse).
No treatment at student health center
Outpatient $50 max per day, $500 max;
Inpatient Up to $10,000 (includes drug and alcohol abuse).
No treatment at student health center
Within PPO 80% of eligible expenses; Outside PPO up to overall maximum limit
Outside U.S. 100% coinsurance
No treatment at student health center (includes drug and alcohol abuse).
Maternity care for covered pregnancy
Not Avaliable IN PPO NETWORK: 80% of eligible expenses; OUT OF PPO NETWORK: Up to the overall maximum.
Outside US: 100% coinsurance up to overall maximum
IN PPO NETWORK: 80% of eligible expenses; OUT OF PPO NETWORK: Up to the overall maximum.
Outside US: 100% coinsurance up to overall maximum
IN PPO NETWORK: 80% of eligible expenses; OUT OF PPO NETWORK: Up to the overall maximum.
Outside US: 100% coinsurance up to overall maximum
Repatriation of Remains
$25,000 lifetime maximum $25,000 lifetime maximum $25,000 lifetime maximum $25,000 lifetime maximum
Terrorism
Up to $50,000 lifetime maximum Up to $50,000 lifetime maximum Up to $50,000 lifetime maximum Up to $50,000 lifetime maximum
Accidental Death and Dismemberment
Up to $10,000 lifetime maximum Up to $25,000 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

A working example of using Study USA travel 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 travel 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.
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.

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