Going to the US to Study?

Find the best international student health insurance plan for your needs.

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Top Things to Keep in Mind When Choosing Insurance

An overview

US student health insurance

Factors while buying US student insurance

If you are planning to pursue further studies in the US, it is definitely a good decision. You will meet with people from various countries and experience different cultures and traditions. You may also be able to learn a foreign language! The number of international students traveling to the US is increasing. This is no surprise as students passing out of US universities are highly preferred by employers worldwide. Along with getting quality education, living in the US also prepares one for the life ahead.

Before you start making a list of all the important items you need to take with you to the US, put some thought into purchasing international student insurance USA for yourself. The right insurance plan will cover you for all the unexpected incidents during your stay in the US. Your parents can also relax knowing that you are adequately covered for most contingencies. And you will be able to focus on just the important stuff. Here is a checklist to refer to so you know what student travel insurance needs to cover essentially.

Medical Costs

It's common knowledge that even getting a routine check-up in the US can prove to be very costly. As you'll be staying in the US for at least a year to complete your course, your travel insurance will have to cover all your medical expenses.

  • Make sure that your insurance policy covers costs related to general practitioner visits, prescriptions, and hospitalization.
  • The insurance policy should cover preventive, minor and major dental treatments. Preventive treatments such as oral examinations, teeth cleaning and X-ray charges are generally reimbursed completely. For minor treatments such as root canal and fillings, insurance providers may cover up to 80% of the cost. For major treatments such as getting crowns or bridges, only up to 50% may be covered by the policy.
  • Be aware of annual caps in certain fields such as dental treatments. If you exceed the limit specified in the policy, you'll have to dole out the rest.
  • Student travel insurance should also provide optical cover.

Emergency Costs

In a country where general healthcare is very costly, the costs related to air-lifting will obviously be even higher. An individual may need to be evacuated for several reasons.

  • Repatriation costs or return flight costs should be covered by student travel insurance.
  • Costs related to events where the insured needs to be medically evacuated or air-lifted should be covered by the policy. Your policy will specify the maximum amount that you can claim in such cases so be sure to take note of the same.
  • If the individual needs to be accompanied by medical professionals in case of serious injury or illness, relevant costs should be covered as well by the policy.
  • Travel insurance may also cover flight and accommodation costs to the US for family members of the insured in case of serious illness, injury or death.

Travel Costs

Quite a few unexpected costs may crop up during the journey itself. Travel insurance normally covers expenses in certain cases. Go through your policy in detail and make sure your insurance covers you for the following incidents.

  • Luggage theft
  • Misplacement of baggage
  • Flight cancellation
  • Missed interconnecting flights

Remember that insurance companies have a cap on the maximum amount you can claim in the case of theft. They will also consider the depreciation value of costly items such as laptops or cameras. So don't expect to be paid the full value of such items in case they are stolen or lost.

Student Traveling USA

Costs Related to Risks

If you are deliberately going to put your life at risk by engaging in extreme sports, you will need extra cover. Your normal student travel insurance won't be able to take care of the costs that you may have to incur in case of any mishaps.

Don't let that deter you from experiencing the thrills of sky diving, bungee jumping, hiking or river rafting though! Read through the documents with a keen eye and make note of all the exceptions and exclusions to the policy. Compare policies from different companies and assess which one is best suited to your needs.

Don't choose a policy just because the premium fits your budget. It is more important to select a policy that provides adequate coverage. Conversely, don't select a policy with the highest premium thinking that it will be the best for you. Chances are such a policy may require you to pay for coverage that you don't need at all. For instance, if you know for sure that you're not going to indulge in extreme sports, there's no need to purchase a policy that covers you for the same.

Optional Extras

While the above are basic things that a student travel insurance policy should cover, there are many optional extras provided by insurance companies. These may include providing cover for medical treatment even after the insured has reached his home country, expatriation costs so that the insured can fly back to the foreign country to continue with his studies, costs related to kidnapping, ransom, and false arrest.


With any insurance policy you purchase, you will need to pay an excess amount whenever you need to claim the money. If your finances allow you, you can opt to pay a higher excess amount. This will reduce the amount of the premium that you'll have to pay. Lastly, purchase the right policy as soon as you spot it.

At times, policies don't come into effect until a certain time period has lapsed. It could also be possible that the right offer may be available only for a limited time. You need to be armed with the right student travel insurance policy so that you're all set to fly to the US and enjoy a new phase of your life!

What does international student health insurance cover?

Health care expenses

Health care expenses

Hospital medical expenses for sickness or accidents during coverage.
Sports Activities

Sports Activities

Some plans cover high school sports activities.
Doctor visit

Doctor visit

Covers doctor visits in case of sudden injury or sickness.
Dental Coverage

Dental Coverage

Expenses from sudden dental pain and accidental dental injuries.
Maternity Coverage

Maternity Coverage

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

Repat of remains

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

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Resourceful health insurance information for international students ...

Find out the best insurance for your budget and needs
Step by step guide to buying the best travel insurance online
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Tourists, Cruises, Students, J1 visa, OPT status, Immigrants...

General - FAQ's

How much does health insurance cost for a college student?

The health insurance cost for the college student will depend on the coverage benefits of the student insurance plan, the age of the student, the medical maximum coverage required and the deductible for the plan. The cost of student health insurance coverage within the US is more expensive when compared to coverage outside the US.

Why should international students compare health insurance?

Most international student health insurance plans seem similar on first impressions. However, while they have many benefits in common and the premium is also similar, different student insurance plans do have some additional benefits or perhaps some specific constraints.

In order to choose the best plan based on the students requirements and to get sufficient coverage from the international student insurance plan, it is important to compare different features available in the student health insurance plan.

The following are important factors for comparing student health insurance plans:

Policy Maximum: This is the maximum amount on the insurance plan which normally ranges from $50,000 up to $1,000,000. This is the maximum a policy can cover in case of an extreme emergency as per the policy guidelines and conditions mentioned in the policy.

Deductible: The deductible options can range anywhere from $50 up to $5000 between the plans. A larger deductible means lower premium price and vice versa. Picking a large deductible thus low premium by choosing a comprehensive plan is usually recommended, as most of the comprehensive plans have an one time deductible and is cost effective.

Pre existing condition coverage: This is very important benefit factor as many customers need this benefit. The student plans have a minimum 6 month waiting period for coverage of pre-existing conditions.

Coverage for mental illness and drug abuse: This coverage is required by most of the universities.

Cancellation and Renewability: Each plan have their unique cancellation and renew-ability policies. It is important to pay attention to it if there is any ambiguity while booking insurance initially.

Sports and other unique activities: Some of the plans provide coverage for intercollegiate and interscholastic sports... Based on these factors, American Visitor Insurance provides an excellent compare student medical insurance facility where getting quotes as per students’ requirements. Once the required information is entered in the form, a summary of popular student insurance plans are displayed which can be compared.

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.

Steps to compare and buy
Best International student insurance

 Step 1: Finding the available best health insurance for international plans

Complete the student insurance quotes request form by providing details of the student and insurance requirements.

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

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

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

Step by step travel insurance

Factors for the cost of US student travel insurance


Student’s age

The student’s age determines the cost of US student medical insurance. The prices for f1 visa US student insurance increases with the age of the student.

hour glass

The length of coverage

The price of student health insurance in the US can be either monthly or on a daily basis. The price increases with the duration of coverage required.

Medical insurance

Maximum medical coverage

The cost of health insurance for international students in the US is directly dependent on the medical maximum coverage required. The cost of F1 student medical insurance is less for lower medical maximum and increases with higher medical maximum coverage.

coronavirus travel insurance
Covid19 Student insurance for Coronavirus
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USA students study overseas insurance plans

International student medical insurance plans for students studying abroad

Health insurance for international students studying in the USA

Best insurance for international students

Cheapest F1 student health insurance

Students when they travel outside their home country to study along with the university academic experience also get an opportunity to experience a new culture and to see different parts of the world and meet new people with varied backgrounds. We work with several US insurance providers that offer excellent student F1 health insurance.

We have developed an excellent compare F1 visa student travel insurance tool and have article and FAQ's with information for the best travel insurance for f1 students studying abroad. Our international student insurance plan comparison facilities lists the student travel insurance that satisfies the student requirements.

Students can find the cheapest health insurance for international students in USA as well as outside the USA. Other than the cost, we also display relevant coverage details of health insurance for international students on F1 visa studying in the USA.

Student health insurance

Following are the list of popular countries where international students and US students visit to pursue their studies.

Nationalities of large international student groups in the US
Student health insurance for top US colleges and universities
Click here

Ask me a Question?

Covid F1 student health insurance

Despite the spread of the BA.5 Omicron sub-variant, all international students with the F1 and J1 visa's are now allowed in the US. International students should however check the university updates and the covid19 requirements before travelling to US.

Unfortunately, even years after the pandemic started in China, Covid is again making a comeback with new immune-evasive variants. The Covid situation is made even more complicated in the US with influenza and the respiratory syncytial virus (RSV) which spreading earlier and faster than usual. International students should buy the best student travel insurance with covid-19 coverage. In case one contacts covid19 infections the illness will be covered and this includes the new sub-variants. Regardless of the variant a covid cover will provide students with coverage for the Covid infection.

There are many international students in the US either without proper US student medical insurance, or with F1 student insurance that does not cover Covid19. Given the health risk involved due to the Covid19 pandemic, it is very important for students to buy good Student medical insurance which includes coverage for Covid19. A Covid-19 coverage will offer protection towards the coronavirus illness just like any other illness under the benefits of the policy regardless of the variant. At American Visitor Insurance, we offer several international student health insurance with Covid19 coverage. The Covid-19 cover provides coverage just like any other illness irrespective of the variant.

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. These are some international student health insurance plans with Covid19 coverage. Students while studying in the US need not worry about getting coverage for mutated variants. Irrespective of the variant covid-19 cover will provide students with the coverage if contracted the illness.

International Medical Group Covid19 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 that offer coverage for medical expenses from coronavirus are

TravelInsure Covid19 insurance for F1 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.

Seven Corners Covid19 Health insurance for F1 and F2 visa Insurance

Seven Corners offers Liaison Student Plus insurance for international students and faculties outside their home country. It covers student medical expenses arising from Covid19 illness. The treatment benefit is available for COVID19 (the disease); SARS-Cov-2 (the virus); and any mutation or variation of SARS-CoV2.

GeoBlue Covid19 insurance for F1 students

GeoBlue Covid19 student health insurance by Navigator for Student with coronavirus coverage covers medically necessary COVID-19 testing and treatment is covered.

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

Compare student insurance plans

There are some F1 visa students still stranded in the USA or 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 health 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.

Offering student medical insurance for
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Customers from over
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