Going to the US to Study? Top Things to Keep in Mind When Choosing Insurance

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. At American Visitor Insurance, we offer several international student health insurance with Covid19 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. These are some international student health insurance plans with Covid19 coverage

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 students:

Seven Corners offers Liaison Student Plus insurance for international students and faculties outside their home country. It covers student medical expenses arising from Covid-19 illness. The treatment benefit is available for COVID-19 (the disease); SARS-Cov-2 (the virus); and any mutation or variation of SARS-CoV-2.

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.

Good News for international students!

Due to covid-19 there were travel restrictions placed by USA on the entry of international students. This was changed on April 26, 2021for F and J students. The Department of State (DOS) changed the National Interest Exception (NIE) policy on travel ban of International students. Students with F and J visa are now allowed to enter US for the fall semester beginning August 2021. International students should check the university updates and the covid19 requirements before travelling to US.
Well travelling during covid-19 is risky due to the new delta variant which is more contagious. International students should purchasing a good student travel insurance with covid-19

coverage. In case one contacts covid 19 infections the illness will be covered.

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

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.

Factors while buying US student insurance

US student health 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.

Conclusion
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!

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.

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.

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.

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Health insurance for international students studying in the USA

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USA students study overseas insurance plans
International Student Medical Insurance Plans for students studying abroad
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Popular health insurance for students studying abroad plans comparison






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The students must be pursuing their education outside their home country
  • Plan Maximum $1,000,000
  • Deductible $25
  • coronavirus  COVID19 coverage
  • Intercollegiate, Interscholastic, Intramural or Club Sports up to $5,000
  • Maternity  Maternity
  • Evacuation/Repatriation
  • Pre-existing conditions coverage after 6 months
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  • Plan Maximum
  • Deductible
  • coronavirus  COVID19 coverage
  • Non-contact amateur sports are covered up to $5,000 maximum
  • Maternity  Maternity
  • Evacuation/Repatriation
  • Covers acute onset of pre-existing conditions and waiver of pre-existing conditions.
    Know More
  • Plan Maximum
  • Deductible
  • coronavirus  COVID19 coverage
  • Sports and activities - Leisure, recreational, entertainment, or fitness up to the overall maximum limit.
  • Maternity  Maternity
  • Evacuation/Repatriation
  • Pre-existing conditions coverage after 6 months
    Know More
  • Plan Maximum
  • Deductible
  • coronavirus  COVID19 coverage
  • Injuries arising from Interscholastic, Intramural, Leisure, and Club Sports
  • Maternity  Maternity
  • Evacuation/Repatriation
  • Pre-existing conditions coverage after 6 months
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Insurance for International Students (F1 Visa)

International students often purchase their health insurance in the University. While this is most popular and convenient, it is often expensive. The best health insurance for students studying abroad plans offered on our website are cheaper and provide comparable coverage. You can compare the plans that we offer by getting quotes which also shows the coverage details. We can facilitate getting the insurance waiver form completed if required by your college.

These study abroad health insurance plans are also available for international students with M1 Visa taking part in vocational or technical training.

Limitations
  • Collegiate Care Essential, Liaison Student Plus, Student Secure Select and Student Health Advantage plans do not provide coverage for wellness/routine and preventive care services.
  • Plan Maximum
  • Deductible $250
  • coronavirus  COVID19 coverage
  • Mental  Mental health
  • Maternity  Maternity
  • Evacuation/Repatriation
  • Sudden and unexpected recurrence of a pre-existing condition Know More
  • Plan Maximum
  • Deductible
  • coronavirus  COVID19 coverage
    (Standard,Preferred,Platinum)
  • Mental  Mental health
  • Maternity  Maternity
  • Evacuation/Repatriation
  • Pre-existing conditions coverage after 6 or 12 months
    Know More
  • Plan Maximum
  • Deductible
  • coronavirus  COVID19 coverage
  • Mental  Mental health
  • Maternity  Maternity
  • Evacuation/Repatriation
  • Covers acute onset of pre-existing conditions and waiver of pre-existing conditions.
    Know More
  • Plan Maximum
  • Deductible
  • coronavirus  COVID19 coverage
  • Mental  Mental health
  • Maternity  Maternity
  • Evacuation/Repatriation
  • Pre-existing conditions coverage after 6 months

    Know More
  • Plan Maximum
  • Deductible
  • coronavirus  COVID19 coverage
  • Safe Travels USA offers comprehensive US Covid19 insurance coverage for illness and accident.
  • Know More
  • Plan Maximum
  • Deductible $250
  • coronavirus  COVID19 coverage
  • Plan is designed to meet U.S. visa insurance requirements, offers an optional add-on rider for high school sports.
  • Know More
  • Plan Maximum
  • Deductible
  • coronavirus  COVID19 coverage
  • Visit USA Health Care plan is a Comprehensive plan offered by the USI Travel Insurance Services provider.
  • Know More
  • Plan Maximum
  • Deductible $0
  • coronavirus  COVID19 coverage
  • Excellent plan for international students who are on the OPT status.
    Covers acute onset of pre existing conditions.
  • Know More

Insurance coverage for F2 or J2 Visa holders

Spouse and Childrens of F1 and J1 visa holders are issued the F2 and J2 visas respectively. While J1 visa holders have insurance requirements mandated by the US consulate, given the high health care costs in the US, it is prudent for F2 and J2 visa holders to also have proper insurance coverage.
  • Plan Maximum
  • Deductible
  • coronavirus  COVID19 coverage
  • Covers vacation sports
  • Safe Travels USA offers comprehensive US Covid19 insurance coverage for illness and accident.
    Know More
  • Plan Maximum
  • Deductible
  • coronavirus  COVID19 coverage
  • Covers vacation sports
  • Visit USA Health Care plan is a Comprehensive plan offered by the USI Travel Insurance Services provider.
    Know More
  • Plan Maximum
  • Deductible
  • coronavirus  COVID19 coverage
  • Eligible only if the student has permanent address outside USA.
  • Covers acute onset of pre existing conditions
    Know More
  • Plan Maximum
  • Deductible $0
  • coronavirus  COVID19 coverage
  • Covers vacation sports
  • Excellent plan for international students who are on the OPT status.
    Covers acute onset of pre existing conditions.
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Plan options for students in OPT status

International students on the F1 visa are allowed to enroll for optional practical training(OPT). This allows students to work off campus, or work without being enrolled for coursework in the university. Since students in this OPT visa status are not enrolled in coursework, they will be ineligible for some student insurance plans. KNOW MORE
  • Plan Maximum
  • Deductible
  • coronavirus  COVID19 coverage
  • Covers athletic and hazardous activity as an optional rider.
  • Know More
  • Plan Maximum
  • Deductible $250
  • coronavirus  COVID19 coverage
  • Covers adventure sports rider for individuals and groups, and their dependents.
  • Know More
  • Plan Maximum
  • Deductible
  • coronavirus  COVID19 coverage
  • Non-contact amateur sports up to $5,000
    Hazardous sports up to medical maximum
  • Know More
  • Plan Maximum
  • Deductible
  • coronavirus  COVID19 coverage
  • Covers injuries arising from Interscholastic, Intramural, Leisure, and Club Sports
  • Know More
  • Plan Maximum
  • Deductible $250
  • coronavirus  COVID19 coverage
  • Incidental home country up to a cumulative 14 days
  • Maternity  Maternity
  • Evacuation/Repatriation
  • Sudden and unexpected recurrence of a pre-existing condition Know More
  • Plan Maximum
  • Deductible
  • coronavirus  COVID19 coverage
    (Standard, Preferred, Platinum)
  • Incidental home country up to a cumulative 14 days
  • Maternity  Maternity
  • Evacuation/Repatriation
  • Pre-existing conditions coverage after 6 or 12 months
    Know More
  • Plan Maximum
  • Deductible
  • coronavirus  COVID19 coverage
  • Incidental home country up to $5,000 (30 days minimum)
  • Maternity  Maternity
  • Evacuation/Repatriation
  • Covers acute onset of pre-existing conditions and waiver of pre-existing conditions.
    Know More
  • Plan Maximum
  • Deductible
  • coronavirus  COVID19 coverage
  • Preventive care services available
  • Maternity  Maternity (after 364 days)
  • Evacuation/Repatriation
  • Pre-existing conditions covered with creditable coverage
    Know More

Nationalities of large international student groups in the US

Popular 'Study Abroad' destinations for US students

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