F1 and F2 Visa insurance information, F1 vs F2 visa insurance
Find the best international student health insurance plan for your needs.
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 new Delta variant of the Covid19 pandemic. It is very important for students to purchase good Student medical insurance which includes coverage for 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
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 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 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 student health insurance by Navigator for Student
with coronavirus coverage covers medically necessary COVID-19 testing and treatment is covered.
Trawick International student insurance coverage for Coronavirus. Trawick international student insurance for Covid coverage are
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.
What is f1 and f2 visa health insurance to US?
The F1 Visa is issued for full time students enrolled in any University in the US, college, high school, private elementary school, seminary, conservatory or a language training program in the US. For any dependents like unmarried children under age 21 or the spouse who accompany F1 Visa holder will be issued F2 Visa during their stay here in the US. These visas are issued for the length of their education program. The F1 visa also allows visa holders a period of practical training know as Optional Practical training (OPT) when the F1 visa holder is not a full time student within the university but is a intern or a trainee.
Difference between f1 vs f2 visa
- F1 Visa issued for full time students enrolled in any University in the US, college, high school, private elementary school, seminary or training program in the US.
- F2 is issued for any dependents of F1 visa holder who will accompany F1 visa holder to the US. Like unmarried children under age 21 or the spouse.
Obama Care and F1 and F2 Visa
Schools in the US offer health insurance plans for student on the F1 Visa. Although there is no set requirements for health insurance for F2 Visa, it is highly important for students in the US to have international student insurance as medical expenses are extremely high in the US where you might end up spending all your savings and be wiped out with no money in case you come across any medical emergency. After the introduction of the Affordable Care Act (commonly known as Obamacare) since 2014, Schools are offering student health insurance plans compliant with the Obamacare. These plans do not have policy maximum, pre-existing coverage exists along with coverage for maternity and preventive care.
While staying in the US with F1 and F2 visa, students need to good coverage for the any unexpected injury or illness that may occur to anyone and anytime. The coronavirus pandemic has brought about a panic and fear for international students as they travel across different countries. Students traveling during pandemic should consider buying a sufficient travel insurance cover with Covid -19. There are several International student travel insurance plans that offer coverage for covid-19 along with quarantine benefits. International students can review US visitors medical insurance plans on American Visitor insurance according to the requirements. Feel free to contact by email or phone at any time for further help.
Some schools make it mandatory for students on the F1 Visa to enroll to the school sponsored health insurance program where as someinstitutions allow them to purchase one of your own choice. But it is important to remember that regardless of the school requirements, health insurance plan that we buy must have adequate coverage for all necessities keeping in mind high medical bills.
Here are few popular student plans from our best insurance providers for F1 Visa holders. They are available for F2 Visa if they need to accompany the F1 Visa holder.
- Student Health Advantage: This plan provides Inpatient/outpatient benefits along with mental health, prescription drugs and much more.
- Patriot Exchange: This plan has a unique benefit where it offers coverage for F2 Visa holder even when the F1 is not on the same plan. This benefit is not available in any of the other student plans.
- Study USA: This plan apart from the required benefits provides coverage for one wellness checkup for one Certificate period.
- Student Secure Select: This is another popular student plan satisfying all the requirements of F1 Visa.
While it is not required by the federal Government for F2 Visa holders to satisfy any health insurance requirements, is it okay for F2 Visa holders not to have health insurance?
No way. Everyone in the US should have a health insurance for the entire duration of their stay as medical expenses can be very expensive. Most of the times F2 Visa holders are women and have sometimes even have the need for maternity or pregnancy coverage. This means they need coverage for checkup, maternity, delivery and other related claims.
If the F2 Visa holder gets coverage through the school sponsored insurance program then the charge for maternity and delivery will be two or three times more than the premium for the F1. This becomes too expensive for F2 Visa holders. Many insurance plans provided by school will not cover the dependents. There are also plans that covers F2 only if they are on the same plan as F1. In our maternity and pregnancy insurance coverage
page and click on the 'Student Plans' tab to see the plans that cover maternity and more details on the benefits:
If the school does not mandate that the F2 Insurance plan
has to be complaint with the ACA, then there are a variety of insurance plans that opens up more options for the F2 holder to choose from. Here are some of those plans:
- Atlas America: This is a visitor plan but an F1 can buy this plan if the concerned University is fine with the schedule of benefits. This plan has a unique and a popular benefit where every parent enrolled in the plan, a child under 10 years of age gets the plan for free. Plan will cover 80% for outside the network for the first $5,000 and will cover 100% after the deductible within the PPO network. This plan also provides coverage for complications in pregnancy for the first 26 weeks of gestation after which the plan treats pregnancy as pre-existing condition and does not cover it.
- Patriot America and Patriot America Plus: Plan will cover 90% for the first $5000 within network and pays 100% after that. For outside the network, plan covers 80% for the first $5000.
Please contact our customer support for more details and questions at the toll free number 877-340-7910 or email us