Compare International health insurance for students in USA

Compare health and medical insurance plans for F1 visa students in USA. The medical insurance plans are from popular insurance providers and offer university comparable coverage. Some of these plans offer university waiver form while satisfying most of the F1 visa insurance requirements. Unique benefits offered by these insurance plans are coverage for high school sports

Compare Study USA, Patriot Exchange, Student Secure Budget, and Navigator for Student Insurance

Compare the popular student health insurance plans for international students in USA namely Study USA from Travel Insurance Services, Patriot Exchange from International Medical Group, Student Secure Budget from WorldTrips and Navigator for Student Insurance from GeoBlue.

How much does student health insurance USA cost?

Compare International students health insurance plans

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Age
Start Date
End Date
Coverage Region
Citizenship
Study USA 
Plan Maximum
Deductible
Plan covers Covid19 illness
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Patriot Exchange
Plan Maximum
Deductible
Plan covers Covid19 illness
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Student Secure Budget
Plan Maximum
Deductible
Plan covers Covid19
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Navigator for Student
Plan Maximum
Deductible
Plan covers Covid19
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  Insurance Providers
travel insure IMG world-trips Geoblue
  Covid19 coverage
Study USA insurance Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury. Patriot Exchange insurance Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury. Student Secure Insurance with coronavirus coverage covers Covid19 illness for international students outside their home country. Coverage of COVID-19 testing and treatment.
  Coinsurance - Claims Incurred Inside the U.S
Basic plan:IN NETWORK: 80% after deductible, up to overall maximum limit; OUT OF NETWORK: Plan pays 100%
Standard , Preferred and Platinum plans:IN NETWORK: 80% after deductible, then overall maximum limit; OUT OF NETWORK: Plan pays 100%
Plan pays 100% Within PPO: The plan pays 80% of the next $25,000 of eligible expenses after deductible, then 100% to the overall maximum limit.;
Outside PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
Within PPO:20%;
Outside PPO: 40%
  Coinsurance - Claims Incurred outside the U.S
Plan pays 100% Plan pays 100% After the deductible, 100% of eligible expenses to the certificate period maximum. Waived outside the US
  Maternity Care
Maternity Care for a Covered Pregnancy
Standard, Preferred and Platinum plan:
IN PPO NETWORK: 80% of eligible expenses; OUT OF PPO NETWORK: Up to the overall maximum. Outside US: 100% coinsurance up to overall maximum.
Not covered Up to $25,000(not subject to coinsurance) Covered
Nursery Care of Newborn
Standard, Preferred and Platinum plan:
Up to $500 - not subject to coinsurance
Not covered Up to $250(not subject to coinsurance) Not covered
Therapeutic Termination of Pregnancy
Standard, Preferred and Platinum plan:
Up to $500 - not subject to coinsurance
Not covered Up to $500(not subject to coinsurance) Not covered
  Emergency Services
Emergency local ambulance
Basic plan: $300 per injury or illness
Standard, Preferred and Platinum plans: $350 per injury or illness.
Company pay 100%.Transfer must be in patient hospital admission Up to $500 per injury / illness if hospitalized as inpatient In network: 80% to Coinsurance Maximum then 100%
Out of network:60% to Coinsurance Maximum then 100%
Hospital emergency room
Not Covered Outside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
Not Covered $350 for treatment received in an emergency room
  Dental
Emergency dental treatment
Basic and Standard plans: Not Available.
Preferred and platinum plan: Up to $100 to alleviate pain.
$350 maximum Up to $100 for acute onset of pain Not Covered
Dental Treatment - Due to Accident
Basic and Standard plans: Not Available.
Preferred and platinum plan: Up to $1,000 maximum per certificate period.
$500 per accident $250 maximum per tooth; $500 maximum per certificate period 100% of Covered Expenses up to $500 per Calendar Year maximum
  Pre-Existing Condition
Pre-Existing Conditions
Pre-Exisiting Condition Waiting Period -
Basic plan: No benefit
Standard plan: 12 months, $500 maximum per certificate period.
Preferred plan: 12 months waiting period
Preferred plan: 6 months waiting period
Sudden & Unexpected Recurrence of a Pre-existing Condition (U.S. Citizens plan only)
Eligible Medical Expenses: $5,000 lifetime maximum
Emergency Medical Evacuation: $25,000 lifetime maximum
Covered after 12 months of waiting period Covered with creditable coverage within 365 days, can be reduced or eliminated if you have been covered by a creditable group or individual health insurance plan
  Life
Common carrier AD&D
Basic plan:Not Available
Standard plan:Up to $5,000 lifetime maximum
Preferres and Platinum plans:Up to $25,000 lifetime maximum.
$25,000 principal sum No Coverage Maximum Benefit: Principal Sum up to $10,000
  Evacuation
Emergency medical evacuation
Basic plan:$50,000 lifetime maximum
Standard plan:$250,000 lifetime maximum
Preferred and Platinum plans:$500,000 lifetime maximum.
$50,000 lifetime maximum Up to $250,000 lifetime maximum $250,000 lifetime maximum
Emergency reunion
Basic plan:Up to $1,500, maximum of 15 days
Standard and Preferred plan:Up to $2,500, maximum of 15 days
Platinum plans:Up to $5,000, maximum of 15 days
$100,000 maximum limit. Not subject to deductible Up to $1,000, subject to a maximum of 15 days Not Covered
Return of mortal remains or cremation/burial
Basic, Preferred and Standard plan:$25,000 lifetime maximum
Platinum Plan:Up to $50,000 lifetime maximum.
$25,000 for return of mortal remains or $5,000 maximum for cremation / burial $25,000 lifetime maximum Maximum Benefit up to $25,000
Terrorism
Basic and Standard Plans:Not Available
Preferred and Platinum Plans:Up to $50,000 lifetime maximum.
$50,000 $50,000 maximum lifetime limit No Coverage
Prescription Drugs
Basic plan: 50% of actual charges
Standard plan: $30 deductible for generic drugs, $100 deductible for brand name
Preferred plan: $15 deductible for generic drugs, $50 deductible for brand name
Platinum plan: $15 deductible for generic drugs, $30 deductible for brand name.
Company pays 100% after deductible is met
90 day dispensing maximum
50% of actual charge 100% of actual charge up to an annual maximum of $5,000. Maximum 90 - day supply
Intercollegiate, interscholastic, intramural or club sports
Basic, Preferred and Standard plan: Not Available.
Platinum plan: Optional Buy-Up: $10,000.
Plan pays 100% after deductible is met for High School and college sports ONLY $3,000 maximum per injury / illness Medical expenses only Covered
Unique Advantages
  • Offers coverage to F2 visa holders only if the F1 visa holders are covered under this plan.
  • Comprehensive coverage plan with benefits per incident.
  • Option for family coverage.
  • Only student plan that covers 100% 1 wellness exam per year
  • Only plan that offers coverage for people with F2 or J2 visa when the primary holder (F1 or J1) has current insurance coverage.
  • "Adventure Sports Rider" is available for purchase.
  • Plan is renewable up to 48 months if plan is purchased for a minimum of 1 month.
  • There is no coinsurance.
  • Full time students and research scholars registered for universities outside their home country can buy this insurance.
  • Good PPO network.
  • It as a monthly payment option.
  • It also covers for mental health disorders, dental cover, physical therapy & chiropractic care.
  • Unlimited annual and lifetime medical maximum.
  • This plan as a monthly payment option.
  • No precertification penalty for inpatient or outpatient care.
  • Illnesses and injuries related to terrorism are covered.
Travel Insurance
Underwriter
Study USA Insurance Underwriter
Underwritten by HCC Lloyd’s Syndicate 4141.
Patriot Exchange Student Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
StudentSecure Budget Insurance Underwriter
Underwritten by Lloyd's of London
Navigator for Student Insurance Underwriter
Underwritten by 4 Ever Life International Limited
Rating
Study USA Insurance Rating
AM Best Rating: "A" (Excellent)
Patriot Exchange Student Insurance Rating
AM Best Rating: "A" (Excellent)
StudentSecure Budget Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Navigator for Student Insurance Rating
AM Best Rating: "A-" (Excellent)
Brochure and Details
An overview

International student health insurance comparison

There are popular insurance providers offering competitive international student health insurance plans. Before buying It is advisable to compare student medical insurance for international studies satisfying yours and university requirements.

The best international student insurance for studying abroad are Study USA Insurance from Travel Insurance Services with AM Best Rating of "A" (Excellent), Patriot Exchange Insurance from International Medical Group with AM Best Rating of "A" (Excellent), Student Secure Budget Insurance from World Trips with AM Best Rating of A++ (Superior) and Navigator for Student Insurance from GeoBlue.

Factors to consider while comparing Travel Insure vs IMG vs WorldTrips vs Geoblue

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Safe travels USA Comprehensive Insurance, Atlas America insurance, Patriot America Lite insurance and Travel Medical Choice insurance:

Plan Maximum coverage

Student insurance plans are available in wide range of policy maximums starting from $50,000 to $1,000,000. Usually student plans have an university requirement for a per injury sickness plans. All of the student plans satisfy this requirement. Study USA insurance, Patriot exchange insurance and Student secure budget offer coverage up to $500,000 while Navigator for Student insurance offers coverage up to $8 million.

What is a deductible in student insurance?

They represent a percentage of the medical bill that you an insured might incur in case of any unexpected sickness and injury which is otherwise going to be out of pocket expense. Patriot Exchange insurance offers 100% coinsurance, while the other plans have 80% and other limitations.

What is a provider network?

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.

Maternity for International student health insurance

Student insurance offer coverage for maternity expenses, pregnancy and expenses for new born child. Patriot Exchange insurance doesn’t offer coverage for maternity. Navigator for student insurance covers maternity after 364 days of waiting period. Study USA insurance cover 80% of the expenses while Student Secure Budget insurance offers coverage up to $5,000.

Renewability of International student health insurance

Some student insurance plans can be renewed up to 2 years.

Pre-existing conditions coverage of International student health insurance

Some student insurance have waiting period from 6 months up to 12 months to cover pre-existing medical ailments.

Sports options for International student health insurance

Most student insurance plans offer coverage from injuries while taking part in extracurricular activities and high school sports

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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 cheapest health insurance for international students in USA just right for you and your situation.

What is the best health 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.

Study USA, Patriot Exchange, Student Secure, and Navigator for Student Insurance - FAQs

  • travel insure  Study USA Insurance FAQs

    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.

    After purchasing Study USA insurance, please fill in your portion of the information in the college waiver form and sign it. The form has to be sent to Travel insurance Services either though fax at (610) 537-9851 or through email it to susaforms@travelinsure.com. Travel Insurance Services will complete the form and fax it back to the school within one business day.

    Yes, you can buy Study USA insurance as long as you satisfy the eligibility requirements.

    Yes, the Study USA plan can be renewed up to a period of 4 years as long as the eligibility requirements are satisfied.

    The Study USA plan can be renewed before the existing policy expires. You can renew the plan at
    Study USA Renewal

    Yes, an eligible spouse or child can be added to the plan while renewing it.

    For Non US students in USA
    Treatment at the student health center can enjoy the in-network benefit.
    Treatment within the PPO network - Expenses are covered at a lower deductible and coinsurance than when you get treated outside network.
    The student can also visit any doctor or hospital by contacting the Emergency Assistance Company who will help you find a doctor or hospital.

    For US students studying outside USA
    Treatment at student health center or any doctor or hospital can enjoy the in-network benefit.
    If treated at a student health center first can waive the deductibles.
    The student can also visit any doctor or hospital by contacting the Emergency Assistance Company who will help you find a doctor or hospital.

    Yes, pre-existing conditions are covered after a waiting period of a minimum of 6 months

    Yes, pregnancy is covered if the conception occurs after the plan effective date.
    No coverage for pregnancy of the dependent child.

    Yes Study USA offers worldwide coverage for students outside their home country.
    For every 3 months of coverage, Study USA offers 15 days of coverage in the home country.

    The following expenses must always be pre-certified:
    • Inpatient care
    • Any Surgery or Surgical Procedure
    • Care in an Extended Care Facility
    • Home Nursing Care
    • Durable Medical Equipment
    • Artificial limbs
    • Computerized Tomography (CAT Scan)
    • Magnetic Resonance Imaging (MRI)
    • Maternity
    • Newborn care

    You can use an out-of network doctor or and out-of network benefits will be paid.

    The corrections can be sent to susa@travelinsure.com, or by fax or mail and they will confirm the corrections.
    Please send the applicant's name, a daytime phone number and reference your Transaction Number.
    Contact Information:
    Email: susa@travelinsure.com
    Fax: 610-537-9828
    Mail: Travel Insurance Services
    3070 Riverside Drive
    Columbus, OH 43221
    USA
    If there is a rise in premium, payment can be done by fax or mail. When sending credit card details, please include the credit card number, expiration date, security code, and a statement authorizing Travel Insurance Services to charge the additional amount.

  • IMG Patriot Exchange Insurance FAQs

    IMG is an award-winning provider of global insurance benefits and assistance services. International Medical Group (IMG) has been in the international travel health insurance market for 27 years and the company has been providing excellent world class medical insurance plans during this time. IMG on average takes less than 30 days to settle its claims.
    International Medical Group provides US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world. It has an IMG international travel insurance plan to meet your needs.

    IMG Covid19 travel insurance by Patriot Exchange 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.

    Patriot Exchange is available for 12 months and it can be renewed for 48 months.

    Patriot Exchange 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.

  • world-trips StudentSecure Budget FAQs

    World Trips Covid19 travel insurance by StudentSecure Budget 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.

    Yes, International students can renew Student Secure Budget Insurance online up to 12 months.

    If you want to cancel Student insurance, you must submit your cancellation request to orders@World Trips.com in order to receive a refund or premium. Only members who have no claims are eligible for premium refund.
    Following are the cancellation policy terms and conditions:
    Cancellation before effective date:
    • Full refund of premium.
    Cancellation after effective date:
    • $25 cancellation fee will be charged by the insurance company.
    • Only unused portion of the plan cost will be refunded.
    • After 60 days, no refunds are granted.

    Student Secure Budget insurance offers Maternity care for covered pregnancy up to $5,000.It also offers Nursery care of new born up to $250.

    Student Secure Budget insurance offers up to $3,000 maximum for medical expenses for treatment of injuries while taking part in Intercollegiate, interscholastic, intramural, or club sports.

    Yes, Student Secure Insurance is available for full time students and will end its coverage once you graduate. You can buy the Atlas travel insurance plan for more coverage.

    Student Secure Budget insurance offers comprehensive coverage for international students. After the deductible amount. If the student seeks treatment with the provider network namely “First Health care network or United health care.”. When studying outside the United States, you need to visit Equian International Provider Network to find healthcare provider or doctor nearest you outside the US. In the US, after the deductible amount, Student Secure Budget insurance pays 80% of the next $25,000 of eligible expenses, then 100% to the overall maximum limit. while seeking treatment in a provider network. Outside the provider network, it is Usual, reasonable, and customary charges and the student may be responsible for any charges exceeding the payable amount. Student Secure Budget Insurance offers 100% of eligible expenses to the certificate period maximum after the deductible for claims outside the US. For detailed working example of how it works, you can review Student Secure Budget insurance working example.

  • geoblue  Navigator for Student FAQs
    • Customer applies online or via a paper application. Applicant is tracked to you when the customer uses your unique web link or brochure.
    • Plan is medically underwritten and coverage may be: 1) Issued with standard rates or 2) Rated up or 3) Declined for coverage based on health history.
    • Coverage is renewable at the consent of the member and insurer. Note: Members can keep the plan for a maximum of 9 months after returning home.
    • Welcome materials are sent electronically and via mail.
    • Members are invited to register on the website, mobile site or app.

International Student Medical Insurance (USA F1 visa holders) - Highlights

  • International student medical insurance plans are for students who travel outside their home county for higher education.
  • Provide coverage for health expenses, prescription drugs, mental health coverage, and even pre existing conditions such as maternity expenses after a waiting period. International student insurance plans are designed to satisfy the requirements of American universities.
  • To purchase student insurance, you should be either a full time student or a full time scholar performing research for a minimum of 30 hours every week in an educational institution.
  • International student insurance plans usually require a valid educational visa as proof.

Some of the factors that you should consider other than the premium rates are the eligibility requirements and the waiting period for pre-existing condition coverage. Student insurance is also available for dependants of the actual students such as the spouse and child/children of the student. However you should have documentation to prove dependence. In the case of spouse a proof of marriage might be requested, and the dependant children should be less than 19 years old. Quite often your university will ask for an insurance waiver form to be completed. This can be provided by the insurance provider from whom you purchase the insurance plan. At American visitor Insurance, we can facilitate getting the US student health insurance waiver form completed.

Health insurance for international students in USA
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Factors to consider for student insurance

Factors while buying best international student health insurance USA.Know more

Not on a F1 visa? Please review these other visa categories

Insurance for Exchange scholars satisfying visa requirements
Insurance plans for dependents of an F1 visa holders.
Insurance plans for US students studying outside their home country.
Insurance for J2 visa dependants satisfying visa requirements.
Insurance plans for students on OPT status.
Medical insurance for students on vocational training.
 
student group travel insurance

Group travel insurance for students

Students traveling overseas in groups can purchase the group insurance plans. This makes it a lot easier to administer the plan and these plans are cheaper than buying individual student travel plans
VIEW GROUP PLANS »
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