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Ideal for foreign students studying in the US and to US registered students studying abroad.

Study USA Insurance

Ideal for foreign students studying in the US and to US registered students studying abroad.

Study USA international student health insurance reviews

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Age
Spouse
Start Date
End Date
Destination
Citizenship
Study USA Basic
Plan Maximum
$100,000
Deductible
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Study USA Standard
Plan Maximum
$100,000
Deductible
  Buy Now
Study USA Preferred
Plan Maximum
$300,000
Deductible
  Buy Now
Study USA Platinum
Plan Maximum
$500,000
Deductible
  Buy Now
  Covid19 coverage
No Coverage Covered as any other illness Covered as any other illness Covered as any other illness
  Maximum per injury or illness
$100k $100k $300k $500k
  Overall Maximum Limit
$200k $200k $600k $3M
  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 $25k, then overall maximum limit
Out of Network: Plan pays 100%
In network: 80% after deductible, up to $10k, 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%
  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
  Maternity Care
Maternity Care for a Covered Pregnancy
Not Available We will pay:
Within the PPO: 80% of eligible expenses, after the deductible, up to $8k.
Outside the PPO: Usual, reasonable, and customary up to $8k. You may be responsible for any charges exceeding the payable amount.
Outside the U.S.: 100% coinsurance, after the deductible, up to $8k
We will pay:
Within the PPO: 80% of eligible expenses, after the deductible, up to $15k.
Outside the PPO: Usual, reasonable, and customary up to $15k. You may be responsible for any charges exceeding the payable amount.
Outside the U.S.: 100% coinsurance, after the deductible, up to $15k.
We will pay:
Within the PPO: 80% of eligible expenses, after the deductible, up to $25k.
Outside the PPO: Usual, reasonable, and customary up to $25k. You may be responsible for any charges exceeding the payable amount.
Outside the U.S.: 100% coinsurance, after the deductible, up to $25k.
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
  Emergency Services
Emergency local ambulance
$300 per injury or illness $350 per injury or illness $350 per injury or illness $350 per injury or illness
  Dental
Dental Treatment due to Alleviate pain
Not Available Not Available $100 $100
Dental Treatment - Due to Accident
Not Available Not Available $1k maximum per certificate period $1k maximum per certificate period
  Pre-Existing Condition
Pre-existing Conditions Waiting Period
No Coverage $500 maximum per certificate period; 12 months waiting period 12 months waiting period 6 months waiting period
  Life
Accidental Death and Dismemberment
Not Available Up to $5k lifetime maximum Up to $25k lifetime maximum Up to $25k lifetime maximum
  Evacuation
Emergency medical evacuation
Up to the overall maximum limit Up to the overall maximum limit Up to the overall maximum limit Up to the overall maximum limit
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 $5k, maximum of 15 days
Return of mortal remains or cremation/burial
Up to $25k lifetime maximum Up to $25k lifetime maximum Up to $25k lifetime maximum Up to $50k lifetime maximum
Terrorism
Not Available Not Available Up to $50k lifetime maximum Up to $50k lifetime maximum
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
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 $5k
Treatment must not be provided at a student health center.
Outpatient: $50 maximum per day, $500 maximum.
Inpatient: Up to $5k
Treatment must not be provided at a student health center.
Outpatient: $50 maximum per day, $500 maximum.
Inpatient: Up to $10k
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.
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
  Sports
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
Optional Vaccination Benefit Rider
Not Available Not Available Not Available Up to $150. Covered vaccinations and testing are: Measles, Mumps, Rubella (MMR); Tetanus/Diphtheria/Pertussis (TDAP); Chicken Pox (Varicella); Hepatitis B; and Meningitis (Meningococcal MCV4 and B) - not subject to deductible or coinsurance
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Study USA Health Insurance

Study USA Health Insurance provides affordable student medical insurance to foreign students studying in the US and to US registered students studying abroad. This flexible, comprehensive plan is tailored to the specific needs of students and their dependents. Study USA international student health insurance meets the health insurance requirements for international students at many universities. Upon purchase we can complete the insurance waiver form of US universities and send it to the International Students' Office.

Key benefits of Study USA student medical insurance

Ideal for J1 and F1 visa requirements

Comprehensive plan

Pre-existing conditions

Renewability

Maternity Care

Emergency Health Care

Study USA HealthCare Insurance plan highlights

Insurance provider
Travel Insurance Services
Study USA Insurance rating
AM Best Rating: "A" (Excellent)
Policy maximum
100,000, $300,000, $5,000,000 per injury or illness
Study USA Insurance Carrier
Travel Insurance Services
Study USA insurance satisfies
J1 visa requirements
Study USA insurance underwriter
Underwritten by HCC Lloyd’s Syndicate 414

Study USA insurance for students - Links

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Study USA travel insurance for international students - Key highlights

  • Study USA insurance for international students provides affordable student medical insurance to foreign students studying in the US and outside of the US students studying abroad.
  • There are 3 variations of this plan namely Basic, Standard and Preferred
  • The overall policy maximum option that the Basic and Standard plans provide are $200,000 and the Preferred plan provides $600,000.
  • The maximum limit for injury and sickness option with the Basic and Standard plan is $100,000 and the Preferred plan provides $300,000
  • The pre existing condition waiting period applies for the Standard and the Preferred plans. The Standard plan has a 12 months waiting period and $500 max per Certificate period. The Preferred plan has a 6 months waiting period.
  • The deductible options for the Basic plan is $250 for in network and $500 for out of network and for the Standard plan it is $100 in network and $250 out of network and for the Preferred plan it is $50 in network and $150 out of network.
  • The emergency room deductible for Basic plan is $500 per incident,$350 per incident for the Standard plan and for the Preferred plan it is $250 per incident
  • Coinsurance for claims incurred outside the US is covered 100% after deductible up to maximum limit.
  • Coinsurance for claims incurred inside the US, for in network 80% after the deductible up to maximum limit and for out of network payment, URC charges are applicable. For the Preferred plan, for in network 80% after the deductible up to $25000 and 100% after deductible up to maximum limit.
  • There is one wellness routine exam covered for 100% per member with the Standard and Preferred plan
  • Emergency Medical Evacuation is covered for $50,000 lifetime maximum with the Basic plan, $250,000 lifetime maximum with the Standard plan and $500,000 lifetime maximum with the Preferred plan.

Study USA insurance for international students studying in the USA - FAQs

01. What is Study USA Insurance?

Study USA Health Insurance provides affordable student medical insurance to foreign students studying in the US and to US registered students studying abroad. This flexible, comprehensive plan is tailored to the specific needs of students and their dependents. Covers pre-existing conditions after 6 months of waiting period.

02. Are Newborn children’s can covers in study USA student insurance?

Yes. Newborn Children will covers for the first 31 days.

03. What are the benefits of Study USA insurance for students?

Study USA insurance for students has important benefits including:

  • Illness and Medical Expense Protection, including Coverage for COVID-19 (excluding the Basic plan)
  • Emergency Health Care
  • 24-Hour Assistance Services
  • Emergency Medical Evacuation
  • Mental or Nervous Disorders Care
  • Accidental Death and Dismemberment (excluding the Basic plan)
  • Optional Buy-Up Coverage (Platinum Plan)
  • Vaccinations
  • Intercollegiate, Interscholastic, Intramural or Club Sports

04. What is the coverage area of Study USA insurance?

Study USA student insurance is international health insurance for people traveling outside their home country and is available to both US and Non US citizens.

05. How much does Study USA insurance cost?

The Study USA insurance for students cost will vary depending on the age of the traveler, the type of coverage, the travel destination and the duration of travel. Typically, visitors travel insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers.

06. How do I purchase Study USA visitor medical insurance?

You can purchase Travel Insure services on American Visitor Insurance and buy Study USA insurance. You can also call them at (877)-340-7910 to get more information on how to apply for Study USA insurance from licensed insurance agents.

07. What are the requirements for applying for Study USA insurance?

The main requirements for applying for Study USA insurance is the travelers passport details and the travel dates. You can apply for Study USA insurance online on American Visitor Insurance or call (877)-340-7910 to get help while applying.

08. Is there coverage for Covid19 illness in Travel Insurance Services travel insurance?

Yes, Travel Insurance services offers covid travel insurance with their Travel Insure insurance plans.

09. Is there a Cancel for any reason insurance cover with Travel Insure travel insurance?

Travel Insurance Select Elite Insurance has Cancel for any reason benefit which can be included at an additional cost within 21 days of the initial trip deposit/payment. To get the CFAR benefit travelers must cancel the trip at least two days prior to the scheduled departure date.

10. Can I purchase travel insurance from Travel Insure?

Travel Insure is one the most reputed travel insurance providers of the USA offering international travel insurance. USI Affinity Travel Insurance Services has served travelers since 1973 offering protection while traveling outside of one's own country. It offers coverage for a business trip, vacation or even relocating abroad to live or to study.

11. What cover do Travel Insure services offer in Covid travel insurance? Does it have Quarantine coverage for US travelers?

Travel Insure offers Covid 19 coverage in their Travel Insurance Select Elite plan with Quarantine coverage as any other illness under the Medical Expense maximum. Covid Quarantine Benefit in the Travel Insurance Select Elite plan provides coverage for accommodations due to a covered Trip Delay $2,000/$250 per person per day is included in the basic coverage. Travel Insurance Select Elite is available for US residents.

12. Why should I buy travel insurance from Travel Insure services?

Travel insure services offer worldwide coverage with adequate coverage with an affordable price. Travelers can get travel insurance, trip insurance for trip cancellation or trip interruption, international student insurance, group travel insurance and many more for international travelers to the USA and for individuals traveling abroad.

13. Does Study USA Insurance cover covid illness?

Travel Insure student travel insurance offered by Study USA Insurance will cover eligible medical expenses resulting from COVID.

14. Can I buy Study USA student medical insurance if I am already outside my home country and studying?

Yes, you can buy best Study USA travel insurance for international students as long as you satisfy the eligibility requirements.

15. Can the Study USA insurance plan be renewed?

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

16. How do I renew my coverage?

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

17. While renewing the Study USA plan, can an eligible dependent be added?

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

18. How does the insurance cover my expenses whether I treated in the student health center, inside a PPO network or outside PPO network?

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.

19. Are pre-existing conditions covered by Study USA?

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

20. Is pregnancy covered by Study USA?

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

21. Does Study USA student insurance cover travel outside US?

Yes Study USA student medical insurance 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.

22. What are the hospitalization expenses that must be pre-certified?

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

23. If there are no in-network doctors or hospitals in my area, where can I get the treatment?

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

24. If there are changes in my policy how do I get it corrected?

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.

25. Who is eligible for Study USA-HealthCare?

Study USA-HealthCare is designed for students studying outside their home country. If you are currently in the United States, you must hold a valid education-related visa (such as an F-1 visa or J-1 visa) to be eligible for this coverage.

  • Education-Related Visa: If you are in the U.S., you must have a valid education-related visa. The full-time student/scholar status requirement is waived within the U.S. if you have a valid F-1 visa (including OPT) or a J-1 visa. However, full-time status requirements remain in force for individuals holding M-1 or other category visas.
  • Coverage Outside Home Country: Study USA-HealthCare covers the insured worldwide, except in their home country. For every 3 months of coverage, the insured is eligible for no more than 15 days of home country coverage.
  • State and Country Restrictions: Unfortunately, Study USA is not available to those who are physically located in the states of New York, Maryland, or Washington, or in the countries of Canada or Australia at the time of purchase.

26. Why should I choose Study USA HealthCare?

  • Comprehensive Coverage: It provides comprehensive health coverage for students studying outside their home country. Whether you’re pursuing an undergraduate degree, a master’s program, or a research fellowship, having reliable health insurance is crucial. Study USA-HealthCare ensures that you’re protected against unexpected medical expenses.
  • Education-Related Visa Requirement: If you’re currently in the United States, Study USA-HealthCare requires you to hold a valid education-related visa (such as an F-1 or J-1 visa). This ensures that the coverage is specifically tailored for students and scholars.
  • Global Coverage: Study USA-HealthCare covers you worldwide, except in your home country. Whether you’re traveling during breaks, participating in internships, or attending conferences, you’ll have access to medical services wherever you go.
  • Flexible Duration: You can choose coverage for specific durations, whether it’s a semester, academic year, or longer. This flexibility allows you to align the coverage with your study period.
  • Emergency Medical Evacuation and Repatriation: In case of serious illness or injury, Study USA-HealthCare provides emergency medical evacuation to the nearest appropriate medical facility. Additionally, it covers the cost of returning your remains to your home country if the unthinkable happens.
  • Affordability: Study USA-HealthCare is designed to be affordable for students. It offers essential coverage without burdening your budget.
Travel Insure-Provider network

Travel Insure maintains a wide network of health care providers.
There are 2 options: First Health care network and United health care.
You can choose your provider of your choice. You need to check your insurance card to find any one of the below 2 logos:

United Healthcare Provider NetworkUnited Healthcare Provider Network
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