F1 and F2 Visa insurance information, F1 vs F2 visa insurance

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

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Does the traveler need Schengen Visa Insurance or Long term Europe Visa insurance?

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Sports coverage required?

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Travel insurance with vacation cost coverage included?

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There are many international students in the US either without proper US student medical insurance, or with F1 student health insurance that does not cover Covid 19. At American Visitor Insurance, we are committed to getting you the best Covid19 international student health insurance in USA for Coronavirus coverage. Earlier students had to buy affordable care act, ACA (Obamacare) compliant medical insurance. However recent changes by the US government has removed this requirement and international students can buy affordable health insurance for international students studying in the usa offered here without violating any US government requirements. There are few Covid 19 international student health insurance USA plans:

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

Tokio Marine HCCMIS Covid19 medical insurance for international students in USA:

The Student Secure insurance plans offered by Tokio Marine HCC (HCCMIS) covers Covid19 illness if it is purchased after May 15th 2020.

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 Covid19 Liaison Student Plus insurance for international students and faculties outside their home country. It covers student medical expenses arising from Covid19 illness. The Covid19 treatment benefit is available for COVID-19 (the disease); SARS-Cov-2 (the virus); and any mutation or variation of SARS-CoV-2.

Trawick International Covid19 medical insurance for international students:

Trawick International Covid19 student insurance coverage for Coronavirus. Trawick international student insurance for Covid coverage are
International students can compare cheap health insurance for international students in USA for Covid19 and find the best student travel insurance for international students with Covid coverage that fit their needs.
There are also many F1 visa international students currently stranded in the US who are not enrolled in any classes. In this situation international students are not limited to buying USA student health insurance and can buy short term US visitors medical insurance. The visitors health insurance plans are cheaper and ideal for international students in the US while they are not enrolled in classes. International students can review and visitors insurance USA and find Covid 19 student travel insurance USA coverage that fit your needs.
Please know we are here to help you make the best, informed decision to get international students in usa Covid19 insurance plans! Let us know how we can assist you. Feel free to contact us by email or phone at any time.
F1 and F2 Visa insurance information

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.

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.

F2 Visa Insurance

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.

Patriot Exchange Insurance is one of the best international student health insurance for F1visa student's dependents which an F2 visa holder. The F2 visa holder can buy even if the corresponding F1 visa holder is not enrolled in the same plan.

Given the high cost of US healthcare, it is prudent to buy medical insurance while on a F2 visa. While an F2 visa holder cannot purchase US domestic health insurance, they can purchase US visitor health insurance for an F2 Visa holder from well reputed US insurance providers. Even if the person is already in the US on their trip, they can still purchase medical insurance for F2 visa holders starting the next day until they return home. The US F2 visa travel insurance must be purchased before anything happens in order to be covered.

There are some USA Covid travel insurance plans available for F2 visa holders that cover covid 19 as a new illness. F2 visa Holders in USA can compare best F2 visa Covid health insurance plans and buy coronavirus coverage insurance online. These US F2 visa covid travel insurance offer coverage for medical expenses for treatment of Coronavirus treatment while in the USA.

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Covid 19 Student insurance for Coronavirus
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Health insurance for international students studying in the USA with f1 f2 visa

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USA students study overseas insurance plans
International Student Medical Insurance Plans for students studying abroad
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Which are the best international student insurance for F1 and F2 visa holders?

Best health insurance f1 f2 visa USA visa holders.






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The students must be pursuing their education outside their home country
  • 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 $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
    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
    Know More

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 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 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
  • 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 $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
  • 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.
    Know More

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 $250
  • coronavirus  COVID19 coverage
  • Covers adventure sports rider for individuals and groups, and their dependents.
  • Know More
  • Plan Maximum
  • Deductible
  • coronavirus  COVID19 coverage
  • Covers athletic and hazardous activity as an optional rider.
  • 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
  • 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 $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
  • 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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