M1 visa travel health insurance, Health insurance for M1 visa holder

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What does international student health insurance cover?

Doctor Visit

Covers doctor visits in case of sudden injury or sickness.

Sports Activities

Some plans cover high school sports activities.

Health care expenses

Hospital medical expenses for sickness or accidents during coverage.

Dental Coverage

Expenses from sudden dental pain and accidental dental injuries.

Maternity Coverage

Some plans offer coverage for pregnancy, maternity and new born.

Repat of remains

Repatriation of remains expenses to home country in case of death.

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Need for M1 visa health insurance

If you want to engage in vocational training or non-academic pursuits in an US institution you will need to be issued a M-1 visa. Students issued the M1 visa for vocational training in US colleges. While health insurance is not mandatory as it is for the J1 visa, it is still extremely important given the expensive healthcare costs within the United States. The Health insurance for M1 visa holder plans offered by the university is usually a good option, however it is quite expensive for international students on the M1 visa. An alternative option is to purchase affordable medical insurance for M1 visa holders that are offered on our website which are listed in this page.

M1 visa Requirements

You will require M-1 visa if you:

  • Study for more than 18 hours a week; or
  • Receive academic credit for the program of study or the program of study is required for your degree; or
  • Are enrolled in an online degree program and you are required to travel to the United States for a short course of study which is more than 18 hours a week.

M1 visa insurance - Frequently asked questions

01. What is the best health insurance for international students? What is the best 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.

02. Is there health insurance for college students?

US citizens are eligible to purchase health insurance plans through their state's health insurance marketplace. Non-US citizens can purchase visitor insurance plans. Those foreign students on the F or J visas qualify specifically for "student" health insurance plans which are often cheaper than visitor insurance. Students can compare student medical insurance plans and make an informed choice.

03. Does college offer health insurance?

Most colleges offer group health insurance for their students. This may be required if the student does not have any other insurance. Check with your institution as to what is available. However the student insurance plans that are offered in American Visitor Insurance are usually cheaper than University insurance while offering similar coverage. Students can compare the coverage of the University insurance along with the plans on this website and make an informed decision.

04. What is the best health insurance for international students in USA? What is the cheapest health insurance for international students in USA?

There are different factors for buying best student insurance for USA students. While the best student insurance for USA varies from students to students, the following list can be considered the best student insurance for students to USA based on their popularity.

05. What is an M1 visa?

An M1 visa is a non-immigrant visa issued by the United States to individuals who wish to study at a vocational or non-academic institution. The M1 visa is typically granted for the duration of the vocational program.

06. Do M1 visa holders need health insurance?

Yes, health insurance is generally required for M1 visa holders. The U.S. government requires all international students, including M1 visa holders, to have adequate US health insurance coverage during their stay. M1 visa holders can buy M1 visa insurance on American Visitor Insurance.

07. What does the M visa health insurance cover?

The M visa health insurance for M1 visa holders should cover medical expenses, including doctor visits, hospital stays, emergency care, prescription medications, and more. It should also meet specific minimum coverage criteria set by the U.S. government.

08. Can I purchase health insurance from my home country?

In most cases, health insurance from your home country might not meet the U.S. government's requirements. It is advisable to buy M visa health insurance plan on American Visitor Insurance for US student health insurance plans that specifically caters to international students.

09. Are there specific insurance providers that cater to M1 visa holders?

Yes, there are US insurance providers that offer Student medical insurance plans tailored to the needs of international students, including those on M1 visas. These plans are available on American Visitor Insurance and provide the necessary coverage and benefits required by U.S. regulations.

10. What are the consequences of not having health insurance?

Not having adequate health insurance as an M1 visa holder could lead to serious consequences, including possible termination of your visa status. Additionally, US medical care is very expensive, and having good US student medical insurance helps protect you from significant financial burden in case of unexpected medical expenses.

11. Can I waive the health insurance requirement?

In some cases, M1 visa holders might be able to waive the health insurance requirement if they have coverage through a sponsor, such as a U.S. government agency or their home country government. However, these waivers are subject to approval and specific criteria. M1 visa holders can find affordable US student insurance plans on American Visitor Insurance to satisfy health insurance requirements.

12. How do I choose the right health insurance plan?

M1 visa holders can compare US student insurance plans on American Visitor Insurance that satisfy their M1 visa health insurance requirements. When selecting a US health insurance plan, consider factors such as coverage limits, deductibles, co-payments, network of doctors and hospitals, and the overall cost of the plan. It is important to find a US student health insurance plan that meets U.S. government's requirements and fits your healthcare needs.

13. What documents do I need to provide for insurance enrolment?

You will mainly need to provide relevant personal details available in the passport and duration of coverage and contact information when enrolling in an US student health insurance plan for M1 visa holders.

14. Can my dependents (spouse/children) be covered under the same plan?

Yes, many insurance plans on American Visitor Insurance allow you to add dependents to your student insurance policy of course at an additional cost. Make sure to inquire about this option when choosing a plan.

15. Can a M1 visa holder get health insurance in USA?

Yes, M1 visa holders (international students pursuing vocational or non-academic programs) can get health insurance in American Visitor Insurance. In fact, many institutions require M1 visa holders to have health insurance as a condition of enrollment. Health insurance for M1 visa students ensures them to have access to medical care and financial assistance in case of illness or accidents during their studies. On American Visitor Insurance, M1 visa student can consider factors such as coverage details, premiums, deductibles, co-pays, network of doctors and hospitals, and any specific requirements set by their school or visa sponsor. Make sure that the M1 visa insurance plan chosen provides adequate coverage for medical needs and complies with any visa or school-related requirements.

16. How much is M1 visa insurance in USA?

The cost of health insurance for M1 visa holders in the USA can vary widely depending on several factors, including the type of coverage, the insurance provider, the specific plan, the applicant's age, location, and any additional coverage options. On average, M1 visa holders could expect to pay anywhere from around $600 to $2,500 or more per year for M1 visa health insurance coverage. This estimate might include basic coverage for medical expenses and preventive care. However, more comprehensive plans with lower deductibles, broader coverage, and additional benefits may be more expensive. Customers can compare and buy M1 visa insurance on American Visitor Insurance.

Here are a few factors that can affect the cost of health insurance for M1 visa holders:

  • Coverage Level: Basic plans with higher deductibles and limited coverage options tend to have lower premiums, while more comprehensive plans with lower deductibles and wider coverage tend to have higher premiums.
  • Age: Younger individuals pay lower premiums compared to older individuals.
  • Insurance Provider: Different insurance companies offer plans at different prices. Shopping around and comparing quotes from multiple providers on American Visitor Insurance to find a M1 visa insurance that fits your budget.
  • Additional Coverage: Some plans may offer additional benefits, such as dental and vision coverage, which can affect the overall cost.
  • Period of Coverage: The length of time for which you need coverage (e.g., a single semester, a full academic year, or longer) will impact the total cost.

To get accurate and up-to-date information on the cost of health insurance for M1 visa holders compare and review plans on American Visitor Insurance . It is important to consider not only the cost but also the coverage provided and any out-of-pocket expenses they might incur, such as deductibles and co-pays.

17. What happens if a M1 visa holder gets sick in USA?

M1 visa students can use Urgent Care clinics, make appointments at a doctor's office or go the hospital, if needed. However, they will have to pay out-of-pocket for any and all medical care they receive. This is why we recommend getting the best M1 visa insurance.

18. What is covered in US M1 visa insurance cover?

The coverage provided by insurance plans for M1 visa holders can vary on an insurance plan chosen. However, there are common benefits that are usually covered by health insurance plans for M1 visa holders. Here are some common areas of M1 visa medical insurance coverage:

  • Medical Services: Most health insurance plans for M1 visa holders cover a range of medical services, including doctor visits, specialist consultations, laboratory tests, X-rays, and other diagnostic procedures.
  • Hospitalization: Coverage for hospital stays, including room and board, nursing care, and other medically necessary services during an inpatient stay.
  • Prescription Medications: Coverage for prescription drugs as prescribed by a healthcare provider.
  • Emergency Care: Coverage for emergency medical services, including emergency room visits, ambulance services, and urgent care.
  • Medical Evacuation and Repatriation: Some plans offer coverage for medical evacuation (transportation to a suitable medical facility) and repatriation (returning to the home country) in the event of a serious medical condition.
  • Dental Coverage: Some plans offer optional coverage for dental services.
  • Accident Coverage: Coverage for accidental injuries, such as fractures, dislocations, and other specified accidents.
  • Telemedicine Services: Some plans include telemedicine services that allow you to consult with a doctor remotely for non-emergency medical issues.

It's important to note that M1 visa insurance plans on American visitor insurance can vary in terms of their coverage limits, deductibles, co-pays, and network of healthcare providers. Some plans may have exclusions or limitations on certain medical conditions or treatments. When choosing an insurance plan, carefully review the plan documents and contact us if you have any questions about the coverage.

US student M1 visa medical insurance FAQs
Insure your family

Insure your family

Students on M1 visa may have their dependants also travelling with them. Some university plans may not offer coverage for spouse or children of M1 visa holders. Here we offer popular international student health insurance which you can compare and select the best M1 visa travel health insurance plan for your needs. Compare and buy best health insurance for students with M1 visa.

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Different types of US Visitors insurance

Fixed Benefit travel insurance

A fixed benefit travel insurance plan is the cheapest travel insurance plan option. Fixed benefit travel insurance is cheap because it has a fixed limit of coverage for different medical benefits.
Fixed benefit travel insurance plans work well in case of small ailments but can be inadequate in the event of a serious medical ailment or hospitalisation.

Comprehensive travel insurance

Comprehensive travel insurance plans provide exhaustive coverage for health expenses up to the policy medical maximum amount. In contrast to fixed benefit plans there are no limits for each benefit. Comprehensive insurance is more expensive when compared to fixed benefit plans but provides significantly better coverage in case of a medical emergency or hospitalisation.

Steps to buy
US visitor travel insurance online

 1: Finding the available US travel insurance plans

Complete the travel insurance quote request form by providing details of the traveller and insurance requirements.

 2: Compare the different travel insurance options

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

 3: Buy the travel insurance that you like best

Purchase the plan that fits your needs and budget best by using a credit card and completing the online application.

 4: Review insurance plan documents received by email

Review the travel insurance documents received by email closely for coverage details and relevant contact numbers

us visitors insurance online


  1. Three-year Maximum - The M-1 visa is limited to a maximum of three years presence in the U.S. for study.
  2. No Extension beyond 3 years - An M-1 visa cannot be extended beyond three years.
  3. Certificate not Completed - If the student is not able to complete the full degree within the maximum period allowed by the M-1 visa, as extensions and changes of status from the U.S. are not allowed, she/he would be required to return to her/his home country to apply for the appropriate visa to re-enter the U.S. to continue her/his studies to complete the degree.
  4. Change of Status not Allowed - Those on an M-1 visa cannot apply to change their visa status to another status such as F-1 or another visa type from within the U.S.
  5. Optional Practical Training (OPT) - M-1 has a six month maximum limitation on optional practical training.
    • OPT may only be used following the completion of a career/professional training or certificate program.
    • A M-1 may not utilize OPT prior to certificate/program completion.
  6. Employment Eligibility - M-1 visa holders are not eligible for employment in the U.S., even on campus.
  7. Curricular Practical Training - M-1 visa holders are not eligible for curricular practical training

Factors that determine the cost of US travel insurance plans

Age of the traveler

The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.

Type of travel insurance

Comprehensive travel insurance provides exhaustive coverage but is more expensive than fixed benefit insurance which has a specified limit for each treatment.

Medical maximum coverage and deductible options

The price of visitors insurance is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.

Region of coverage

Travel insurance depends on the coverage region. The cost for visitor insurance for the United States is most expensive when compared to Europe or Asia.

Duration of travel insurance

The cost of travel insurance directly depends on the length of travel. The longer the duration of visitor medical insurance required, the higher will be the cost.

Any add on benefits

Additional add-on benefits to the basic travel insurance plan like adventure sports coverage, coverage for pre-existing conditions… will add to the overall cost.

Applying for the M1 Visa

The first step is to obtain from the school or vocational institution the Form I-20M-N entitled Certificate of Eligibility for Nonimmigrant (M1) student status. Schools that have received U.S. Government approval to enroll foreign students have the authority to issue these forms. An M1 visa cannot be processed without the Form I-20M-N. Item 11 at the bottom of page one of the Form I-20M-N must be completed and signed by the applicant and submitted together with the following:

  • DOS Form DS-160, Nonimmigrant Visa Application.
  • A copy of your passport which is valid for at least six months beyond the period of stay in the U.S. and with at least one blank page.
  • Two identical color photographs showing full face without head covering against a light background. You may wear a headdress if required by a religious order of which you are a member.
  • Evidence demonstrating sufficient funds to cover all expenses including the tuition fee and living expenses. Such evidence may include detailed bank statements of accounts showing that adequate funds are available for transfer, evidence of scholarships and/or combination of finances which will meet the estimated total expenses, including tuition, of your proposed stay in the U.S.
  • Evidence demonstrating that you have a residence abroad to which you intend to return at the end of your stay in the U.S. This is generally established by evidence of family, professional, property, employment or other ties and commitments to some country other than the U.S. sufficient to cause the applicant to return there at the conclusion of your stay
  • Your academic qualifications - such evidence may include complete transcripts of grades and test records for the last four years of school and evidence of TOEFL (Test of English as a Foreign Language) scores.
Credit: US Immigration Visapro

Difference between M1 and M1 visas

The M-1 Vocational Student visa differs from the F-1 Academic Student in that the M-1 student:

  • Cannot change their educational objectives
  • Can only be authorized to reduce course load for a medical reason; no more than 5 months maximum allowed
  • Cannot take online courses or distance learning courses unless they are required to be physically present for class (often called a "blended course")
  • Can only attend school with extensions for a maximum of 3 years
  • Can transfer schools only in the first 6 months. Permission must be granted permission from the Department of Homeland Security (using the form I-539) prior to the transfer (the transfer process is quite lengthy and is not advisable)
  • Cannot accept employment, except practical training; Practical Training is a max of 6 months
  • Cannot change status to "H" status if basis of "H" was training or education received as M-1 student; nor can a student's request to change nonimmigrant status be granted to "M" if student is doing it to ultimately qualify for an "H"
  • A student in "M" status also cannot change to "F" status (None of these regulations apply to M2's.)
  • Can travel to Canada and/or Mexico on an expired visa and return, but not to any of the adjacent islands
Credit: Florida Institute of Technology
Student health insurance for US Colleges and Universities

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M1 visa student insurance

Hopefully we have seen the end of the pandemic with most parts of the globe being vaccinated and large populations now having the necessary immunity. However, it still remains important for international students to have student health insurance with COVID coverage as the cost of healthcare in the US is very expensive. At American Visitor Insurance, we offer several international student insurance with Covid coverage.

Earlier international students in the US had to buy affordable care act, ACA (Obamacare) compliant medical insurance, however recent changes have removed this requirement. International students can now buy student health insurance plans offered on our website without violating US government requirements.

International Medical Group health insurance plans for international students in the US

The International Medical Group offers affordable student health insurance coverage for Covid19 medical expenses. Their popular Covid19 International student health insurance plans are

TravelInsure insurance for M1 students

TravelInsure Covid19 student health insurance by Study USA (Plus, Preferred and Platinum plans ONLY) offers international health insurance with coronavirus coverage for students outside their home country.

GeoBlue insurance for M1 students

GeoBlue student health insurance by Navigator for Student covers medically necessary COVID testing and treatment.

International students can compare student insurance plans to most appropriate plan that suits their specific needs.

There are some M1 visa students on the OPT status who are not enrolled in any classes. In this situation students are not limited to buying US student health insurance and can buy short term US visitors medical insurance. The visitors insurance plans are cheaper and work well for international students while they are not enrolled in classes. International students can review US visitors medical insurance plans that fit your needs.

Please know we are here to help you make an informed decision to get international students insurance! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

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