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Going to the US to Study?

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

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Why is international student insurance important in the USA?

Health insurance for international students is important to cover the costs of medical care in case of accident or sickness while studying abroad. As an international student, it is vital to ensure you have the best student health insurance for medical expenses, emergency medical evacuation, repatriation of remains and accidental death and dismemberment. At American Visitor Insurance we offer a wide range of deductibles and co-insurance for foreign student insurance which meet school requirements, including for those on F1 visa, OPT status, F2 visa, sports coverage, M-1/M-2 or J visas as well as for US students studying abroad.

Best 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.

💸Costs Related to Risks

  • If you're engaging in extreme sports (like skydiving, bungee jumping, hiking, or river rafting), you will need extra insurance coverage.
  • Standard student travel insurance typically does not cover high-risk activities.
  • Always read the policy documents carefully to identify:
  • Exclusions (activities not covered)
  • Exceptions or conditional coverage
  • Compare multiple insurance policies to find the best fit for your specific needs and activities.
  • Don’t choose a plan based only on low premium cost — it may lack necessary protection.
  • Avoid overpaying for coverage you won’t use — expensive plans may include benefits irrelevant to your trip.
  • Choose a plan that provides adequate and relevant coverage based on:
  • Your planned activities
  • Your budget
  • Your risk tolerance

🎁 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!

How Much Does F1 Student Health Insurance Cost In the US in 2025?

How much is Low-cost medical insurance for international students in America? How much does Insurance for foreign students in America cost per month?

The monthly cost of international student insurance for USA ranges from $30 to $124, depending on the level of coverage selected.

Insurance Plans Policy maximum Deductible Cost
Student Journey Lite $150,000 $100 $30
StudentSecure Smart $200,000 $0 $32
Student Journey Plus $300,000 $500 $48
StudentSecure Budget $500,000 $0 $53
Patriot Exchange $50,000 $250 $56
Diplomat America $50,000 $250 $71
Student Journey Platinum $500,000 $250 $74
StudentSecure Select $1,000,000 $0 $106
Student Health Advantage Standard $500,000 $250 $124

Source: American Visitor Insurance®

What affects the student health insurance cost?

Several factors influence the price, including:
  • Student’s age
  • Coverage duration
  • Policy maximum & medical benefits
  • Deductible and co-insurance levels
  • Optional add-ons (e.g., maternity, mental illness, dental expenses, hazardous sports and coverage for pre-existing ailments)
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International student health insurance USA

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What Does International Student Insurance Cover?

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Health Care Expenses

Covers doctor visits in case of sudden injury or sickness.

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Sports Activities

Some plans cover high school sports activities.

local_hospital

Repat of Remains

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

dentistry

Dental Coverage

Expenses from sudden dental pain and accidental dental injuries.

pregnancy

Maternity Coverage

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

cardiology

Pre-existing Conditions

Student insurance who need coverage for existing medical ailments.

What Are The Steps To Buy Medical Insurance For F1 Students?

1 Check With Your University or College
Ask if they provide the best health insurance for international students in the USA and whether enrollment in their plan is mandatory.
2 Understand Your University’s Requirements
If your university offers a plan, determine whether you must purchase it or if you can choose an alternative plan that meets their standards.
3 Compare Alternative Plans
If alternatives are allowed, compare the most affordable and best-rated F1 student health insurance options on American Visitor Insurance.
4 Evaluate Coverage and Costs
Compare university-offered insurance with alternative plans, considering price, coverage benefits, deductibles, co-pays, and exclusions.
5 Include Dependents If Needed
If you have dependents, review options for F2 visa health insurance and J2 visa medical insurance to ensure everyone is covered.
6 Choose the Best Plan
Select the F1 student health insurance that fits your budget, meets your healthcare needs, and complies with university requirements.
7 Complete Enrollment
After purchasing your plan, keep all documents you receive by email, as they may be needed for enrollment verification at your university.

What is the best medical evacuation insurance for international students?

International students may need medical evacuation and repatriation insurance to meet visa or school requirements.

Atlas MedEvac Insurance

Designed for Study abroad student seeking supplemental Emergency Medical Evacuation coverage to meet school or visa requirements.
  • US Citizens traveling outside USA are eligible for coverage.
  • Coinsurance: Emergency Medical Evacuation coverage is available for up to $50,000.
  • Acute onset of pre-existing condition: The overall policy maximum is $75k and the deductible is $0.
  • Emergency medical evacuation: Up to $50k
  • Renewable: up to 365 days.
  • Repatriation of Remains: Up to $25k
  • Policy maximum?
    $75k

  • Deductible options?
    $0

  • Period of coverage?
    364 days

Medical Evacuation and Repatriation Insurance

Medical Evacuation and Repatriation provides annual coverage that meets J Visa and other visa requirements.
  • Medical Evacuation and Repatriation provides annual coverage that meets J Visa and other visa requirements.
  • Coinsurance: Expenses associated with the medical evacuation of the J1 visitor to his or her home country in the amount of $50k
  • Acute onset of pre-existing condition: Medical benefits of at least $100k per accident or illness
  • Emergency medical evacuation: Up to the maximum limit (Medical order or treatment plan required)
  • Renewable: 5 days to 364 days
  • Repatriation of Remains: $25k
  • Policy maximum?
    $100k

  • Deductible options?
    $50k

  • Period of coverage?
    365 days

Which Is the Best Health Insurance for International Students in USA?

Choosing the best health insurance for international students in the USA depends on factors such as personal health needs, budget, university insurance requirements, and visa status. Some insurance providers offer reliable and best plans that are designed for international students.

Best health insurance providers for international students in the USA are:

International Medical Group (IMG)

Offers a wide range of plans like Student Journey, designed for international students seeking affordable coverage for medical expenses and hospitalization.

WorldTrips

Provides plans like StudentSecure Smart starting at $31/month with $0 deductible, covering emergency medical expenses, evacuation, and repatriation.

GeoBlue

Offers the Navigator Student plan with unlimited medical maximum, global provider access, and coverage for U.S. and international students.

Which Is the Popular Health Insurance for International Students in USA?

The following are some of the best international student health insurance plans in USA:

Patriot Exchange Program IMG

  • Ideal for : F1 & J1 students visa holder, Adventure Sports
  • Pre-existing condition: Comprehensive plan with high medical maximum and pre-existing conditions coverage after 12 months of waiting period.
  • Mental health: Out Patient : Max 50 visits, maximum limit, Inpatient: Up to $10,000
  • Direct Billing: First healthcare network First health care Provider Network or United HealthCare United Healthcare Provider Network
  • Renewal: Can be renewed and extended up to 24 months.
  • Patriot Exchange Program insurance cost for a 20 years old student starts from $56 per month ($675 per year). An annual payment option is available to students.
  • Policy maximum?
    $50,000 to $5,000,000

  • Deductible options?
    $0 to $500

  • Period of coverage?
    1 month up to 12 months

Student Journey Platinum IMG

  • Ideal for : J1, F1, A1 and M1 visas, Adventure Sports, Maternity
  • Pre-existing condition: Covers after 6 months of waiting period
  • Mental health: Out Patient : Max 40 visits, maximum limit, Inpatient: Up to 30 days max
  • Direct Billing: United HealthCare United Healthcare Provider Network
  • Renewal: Can be renewed and extended up to 12 months.
  • Student Journey Platinum insurance cost for a 20 years old student starts from $74 per month ($888 per year). An annual payment option is available to students.
  • Policy maximum?
    $500,000

  • Deductible options?
    $250

  • Period of coverage?
    30 days to 12 months

StudentSecure Select Worldtrips

  • Ideal for : F1 & J1 students visa holder, Maternity, Sports coverage
  • Acute on set of pre-existing condition: $25,000 up to policy maximum
  • Mental health: Physician Office Visit: Max 30 visits, Inpatient: Max 30 days (includes drug and alcohol abuse)
  • Direct Billing: United HealthCare United Healthcare Provider Network
  • Renewal: Can be renewed and extended up to 4 years.
  • Student Secure Select insurance cost for a 20 years old student starts from $106 per month ($1248 per year). You can buy the plan either on a monthly or a yearly basis.
  • Policy maximum?
    $1,000,000

  • Deductible options?
    $0

  • Period of coverage?
    30 days to 364 days

Student Health Advantage Standard IMG

  • Ideal for : F1, J1,M1 and A1 students visa holder, Adventure Sports
  • Pre-existing condition: Covers after 12 months of waiting period
  • Mental health: Out Patient : Max 50 visits, maximum limit, Inpatient: Up to $10,000
  • Direct Billing: First healthcare network First health care Provider Network or United HealthCare United Healthcare Provider Network
  • Renewal: Can be renewed and extended up to 60 months.
  • Student Health Advantage Platinum insurance cost for a 20 years old student starts from 118 per month ($1,416 per year), both monthly and annual payment options are available. Offers high policy maximum and good coverage for various medical emergencies.
  • Policy maximum?
    $500,000

  • Deductible options?
    $250

  • Period of coverage?
    1 month up to 12 months

StudentSecure Elite Worldtrips

  • Ideal for : F1 & J1 students visa holder, Maternity, Sports coverage
  • Acute on set of pre-existing condition: $25,000 up to policy maximum
  • Mental health: Physician Office Visit: Max 40 visits, Inpatient: Max 40 days (includes drug and alcohol abuse)
  • Direct Billing: United HealthCare United Healthcare Provider Network
  • Renewal: Can be renewed and extended up to 4 years.
  • Student Secure Elite insurance cost for a 20 years old student starts from $181 per month ($2135 per year). You can buy the plan either on a monthly or a yearly basis.
  • Policy maximum?
    $1,000,000

  • Deductible options?
    $0

  • Period of coverage?
    30 days to 364 days

Student Health Advantage Platinum IMG

  • Ideal for : F1, J1,M1 and A1 students visa holder, Adventure Sports, Maternity
  • Pre-existing condition: Covers after 12 months of waiting period
  • Mental health: Out Patient : Max 50 visits, maximum limit, Inpatient: Up to $10,000
  • Direct Billing: First healthcare network First health care Provider Network or United HealthCare United Healthcare Provider Network
  • Renewal: Can be renewed and extended up to 60 months.
  • Student Health Advantage Platinum insurance cost for a 20 years old student starts from $353 per month ($4,236 per year), both monthly and annual payment options are available.
  • Policy maximum?
    $1,000,000

  • Deductible options?
    $100

  • Period of coverage?
    1 month up to 12 months

Why Is the US a Popular Destination for International Students?

The U.S. continues to be a top choice for international students, offering not only academic excellence but also practical work opportunities through programs like OPT. With rising enrollment and record-high participation in OPT, the country solidifies its position as a leader in global education and career advancement. International students are encouraged to explore these opportunities to build a strong foundation for their future careers.

The total number of international students in the U.S. reached 11,26,690 in the academic year 2023-24, marking a 6.6% increase compared to the previous year. This growth underscores the U.S.'s continued appeal as a global education hub. International students now make up 5.9% of the total U.S. student enrollment, reflecting the diversity and global reach of American higher education.

Year Total international students % international students
2023-2024 11,26,690 5.9%
2022-2023 10,57,188 5.6%
2021-2022 9,48,519 4.7%

What factors determine international students health insurance cost ?

1. Student's Age

Younger students generally pay lower premiums.

  • Students under 20 typically pay $30 to $124/month.
  • Premiums for best health insurance for f1 students in USA increase with age, s older individuals are considered higher-risk.

2. Duration of Coverage

The length of health insurance for F1 students significantly affects the price.

  • Short-term or daily plans are more affordable.
  • Annual plans offer broader coverage but come with higher costs.

3. Maximum F1 student insurance coverage

The cost of F1 student health insurance is less for lower medical maximum and increases with higher medical maximum coverage.

  • Plans that include services like mental health, dental, maternity, and pre-existing condition coverage will cost more.
  • Choosing a lower policy maximum reduces your premium.

4. Deductibles & Coinsurance

Your out-of-pocket expenses play a major role in determining monthly costs.

  • Lower deductibles (what you pay before insurance kicks in) raise your premium.
  • Lower coinsurance (your percentage of covered expenses) also increases premiums.

5. Type of student health insurance

  • University-sponsored plansare often mandatory, offer robust coverage, but are expensive and less flexible.
  • Private plans (like those from American Visitor Insurance) often meet university waiver requirements and provide cost-effective and flexible alternatives.

6. Coverage Region

Where you're studying affects cost.

  • Health insurance in the United States is generally more expensive than in other countries.

7. Optional Add-Ons

Adding specific benefits can increase your premium. These may include:

  • Adventure sports coverage
  • Mental health treatment
  • Preventive care services
  • Home country coverage

For a detailed breakdown of these factors and tips on choosing the right plan, visit our guide on the.

Learn More »

International Student Health Insurance Reviews

Anirudh

Anirudh

"After rigorous searching for suitable student health insurances online, I stumbled upon the American visitor Insurance website and the customer representatives were really patient and helpful in guiding me with the best plan."

Amanda

Amanda

"Your customer service provided me with perfect service and helped me very much to find policy I needed (for J2 visa). She was very polite and answered all my questions. I'm fully satisfied with the service. Thank you very much!."

Best health insurance for international students -FAQ's

1. 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.

2. 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.

3. 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.

4. Is travel insurance mandatory for USA student visa?

F1 students in the USA are not required to have health insurance. However, most universities mandate that international students have health insurance coverage, either by enrolling in the school's health plan or providing proof of equivalent coverage. This ensures that students have access to necessary medical care and are protected from high medical costs.

Health insurance is not mandatory for obtaining a USA student visa. However, it is highly recommended for international students to have travel health insurance for USA to cover unforeseen events. Once in the US, students should focus on securing comprehensive health insurance for their stay.

5. Why do international students need health insurance?

In the USA, healthcare isn’t free and given the high cost of healthcare in the US a minor injury or accident could set you back tens of thousands of dollars. This can cause financial strain on students, especially those with limited budget. International student health insurance is highly recommended in the U.S. and essential for ensuring peace of mind while studying in the U.S.

6. Can international students get medicare?

No. International students are not eligible for Medicare. Medicare is a US government program only available to US citizens or US permanent residents who have paid into the US system.

7. 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.

Resourceful international student health insurance information

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Which are the best insurance companies for international students in USA?

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