F1 and F2 Visa insurance information

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

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Covid 19 student insurance for international students in the USA and US students abroad

There are many international students currently in the US either without proper student health insurance, or having medical insurance that does not provide coverage for Covid 19. At American Visitor Insurance, we are committed to getting you the best Covid19 student medical insurance coverage available in these uncertain times.
Earlier students had to buy affordable care act, ACA (Obamacare) compliant medical insurance. However recent changes by the Trump administration has removed this requirement and international students can buy the US student medical insurance plans offered here without violating any US government requirements.
There are however few Covid 19 student health insurance. The Student Secure insurance plans offered by Tokio Marine HCC (HCCMIS) covers Covid19 illness if it is purchased after May 15th 2020.
International Medical Group is offering coverage for Covid19 medical expenses. The popular Covid19 international student health insurance plans that offer coverage for medical expenses from coronavirus are Patriot Exchange Program, Student Health Advantage, Student Health Advantage Platinum.
International students can also review and compare student health insurance for Covid19 and find the best 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 student 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 compare visitor insurance plans and find Covid 19 USA student insurance coverage that fit your needs.
Please know we are here to help you make the best, informed decision to get Covid 19 student health insurance! 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
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.

Obama Care and F1/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 everyone in the US to have health 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.

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Resourceful international medical insurance information for students

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International Student Medical Insurance Plans for students studying abroad
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The students must be pursuing their education outside their home country
 
US Students abroad
International Students in the United States
 
Categories:
  • Plan Maximum
  • Deductible
  • Incidental home country 15 days per three months
  • $5k coverage for sports
  • Maternity   Maternity
  • Pre-existing conditions coverage available

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  • Plan Maximum
  • Deductible
  • Incidental home country 15 days per three months
  • $5k coverage for sports
  • Maternity   80% covered
  • Pre-existing conditions coverage after 6 months
    Know More
  • Plan Maximum
  • Deductible
  • Incidental home country up to a cumulative 14 days
  • $5k coverage for sports
  • Maternity   Maternity
  • Pre-existing conditions coverage after 6 months
    Know More
  • Plan Maximum
  • Deductible
  • Sports
  • Maternity  Maternity
  • Pre-existing conditions covered with creditable coverage
  • Preventive care services available

    Know More
  • Plan Maximum
  • Deductible
  • $5k (high school sports)
  • Maternity  Maternity
  • $5k pre-existing conditions coverage for US citizens only
    Know More
  • Plan Maximum
  • Deductible
  • Sports
  • Maternity  Maternity
  • Pre-existing conditions coverage after 6 months
    Know More
  • Plan Maximum
  • Deductible
  • $5k coverage for sports
  • Maternity  80% covered for maternity
  • Pre-existing conditions coverage after 6 months
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  • Plan Maximum $1,000,000
  • Deductible $25
  • $5k coverage for sports
  • Maternity  Maternity
  • 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
  • Student Secure Select, Patriot Exchange and Student Health Advantage Platinum do not provide coverage for wellness/routine and preventive care services.
  • Plan Maximum
  • Deductible $50
  • Mental  Mental health
  • Sports
  • Maternity  Maternity
  • Covers one physical exam

    Know More
  • Plan Maximum
  • Deductible
  • Mental  Mental health
  • Sports
  • Maternity  Maternity
  • Includes Mental health

    Know More
  • Plan Maximum
  • Deductible
  • Mental  Mental health
  • Sports
  • Maternity  Maternity
  • Pre-existing conditions coverage after 6 months
    Know More
  • Plan Maximum
  • Deductible $100
  • Mental  Mental health
  • Sports
  • Maternity  Maternity
  • Plan cover for dependents, Sports, can be purchased for J2 only Know More
  • Plan Maximum $50,000
  • Deductible $0
  • Great coverage for a great price.

    Know More
  • Plan Maximum
  • Deductible $100
  • Plan can be purchased even if the F1 visa or J1 visa holder is not covered under this plan. Know More
  • Plan Maximum
  • Deductible $0
  • Always eligible for purchase no matter what age and how long a person has been in the US 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
  • Great coverage for a great price.

    Know More
  • Plan Maximum
  • Deductible $0
  • Always eligible for purchase no matter what age and how long a person has been in the US Know More
  • Plan Maximum
  • Deductible
  • Pre-existing conditions coverage after 6 months, sports and maternity is also covered
    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
  • $5,000 maximum per injury or illness medical expenses only
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  • Plan Maximum $1,000,000
  • Deductible
  • Provide Adventure Sports Rider upto $50,000 lifetime maximum.
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  • Plan Maximum Unlimited
  • Deductible
  • Sports related injuries are covered.

    Know More

Nationalities of large international student groups in the US

Popular 'Study Abroad' destinations for US students

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