Student Health Advantage plan for students

Quotes for Student Health Advantage Insurance

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Start Date
End Date
Student Health Advantage Standard
Plan Maximum
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Student Health Advantage Platinum
Plan Maximum
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Maximum limit
Student - $500,000 per period of coverage;
Dependent - $100,000 per period of coverage
Student - $1,000,000 per period of coverage;
Dependent - $100,000 per period of coverage
Maximum per injury/sickness
Student - $300,000;
Dependent - $100,000
Student - $500,000;
Dependent - $100,000
Deductible options
$250 per injury/sickness
Student health center - $5 copay per visit
For treatment received outside of US: $25 per injury/sickness
For treatment received inside of US: $100 (in PPO) & $150 (outside PPO) per injury/sickness
Student health center - $5 copay per visit
Pre-Existing Condition
Covered after a waiting period of 12 months Covered after a waiting period of 6 months
Maternity Newborn Care
No Coverage $5,000 maximum limit. Benefit includes newborn routine care during the first 31 days of life
After deductible is met, company pays 60% of eligible expenses out-of-network(U.S.), 80% in-network(U.S.) and 100% internationally
Emergency local ambulance
Per injury- up to $350
$350 per illness only if admitted as inpatient
Per injury- up to $750
$750 per illness only if admitted as inpatient

What does international student health insurance cover?

Doctor Visit

Covers doctor visits in case of sudden injury or sickness.

Sports Activities

Some plans cover high school sports activities.

Health care expenses

Hospital medical expenses for sickness or accidents during coverage.

Dental Coverage

Expenses from sudden dental pain and accidental dental injuries.

Maternity Coverage

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

Repat of remains

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

Testimonials - From Our Customers

Thank you for your prompt reply. Thank you for doing some good homework on our behalf. May the Lord richly bless you and all your encounters and may He fill your life with all of his abundance.
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Ron W

I needed to move my policy date, but remembered it too late. American Visitor Insurance customer support made a lot of efforts to fix it out and succeeded. It's a really good service. Great thanks to your support staff.
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Konstantin V.B

Thank you for such helpful information. You've impressed me as I have contacted other companies and haven't gotten half of the information from them that you have sent me. I will take what you've said into consideration.
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Resourceful health insurance information for international students...

Find the student insurance cost

Find out the best insurance for your budget and needs.

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How to buy student insurance?

Step by step guide to buying the best travel insurance online.

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Student group insurance

Best student group travel medical insurance.

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Student Compare Coverage

Compare International health insurance for students in USA

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An overview

IMG Student Health Advantage for international students

International medical group Student health advantage insurance

One of the important high priority things to students coming to the US is International Student insurance to cover them in US during their stay in the US. International students from outside come to study in a number of US Universities on F1 Visa.

Sometimes we have the F2 Visa holder who is the spouse of F1 accompany their spouse to the US. The catch is to find the right insurance plan that fulfills their needs and satisfies any University requirement that is mandatory.

Most of the student plans cover some of the basic benefits such as hospital indemnity, outpatient services, prescription drugs, mental health… There are some specific requirements such as maternity, preventive care, wellness checkup which are offered by some specific plans.

Sometimes due to various reasons F1 visa international students who are not enrolled in any classes in the US require insurance .In these situation international students can buy short term US visitor’s medical insurance. The visitors’ health insurance plans are cheaper and perfect for international students in the US who are not enrolled in classes. International students can review visitors insurance USA and purchase insurance along with Covid19 student travel insurance USA coverage. Student Health Advantage Insurance offers international student insurance coverage for Covid illness for students studying outside their home country.

IMG Student Health Advantage plan from the company IMG(International Medical Group) includes most of the benefits mentioned above except preventive care and wellness checkup. Most of the US Universities agree for this insurance plan and it is one of the popular student plans purchased by F1 Visa holders and their dependents. Since this plan covers maternity, it is preferred by students whose spouses are thinking to get pregnant.

There is a 12 month waiting period with this plan to cover pre-existing condition. This plan also includes coverage for sports. Other than the Student Health Advantage Standard plan this plan has a Student Health Advantage Platinum plan Quotes option that provides enhanced benefits.

Compared to the Patriot Exchange which is another popular student plan popular among the plans for J Visa holders as well from the same insurer IMG, Student Health Advantage plan provides additional benefits like coverage for Maternity, Sports, Mental Health and substance.
Brochure Buy Now
Patriot America Lite Insurance
Insurance provider
International Medical Group
Plan life - Up to a maximum 5 years.
Student Health Advantage can be renewed online
Policy maximum?
Standard plan:
Student- $500,000; Dependent-$100,000
Platinum plan:
Student- $1,000,000; Dependent-$100,000
Deductible options?
$100 per illness or injury
Student Health Center: $5 copay per visit
Student Health Advantage insurance rating
AM Best Rating: "A" (Excellent)
Compare IMG Student Insurance Plans
Compare IMG Student Insurance Plans
Student Health Advantage Reviews
IMG Student Health Advantage reviews.
Student Health Advantage Links
  • Brochure
  • Benefits
  • Advantages
  • Disadvantages
  • Reviews
  • Claims
  • Renewal
  • Provider network
  • Comprehensive plan

Student Health Advantage Insurance - Key Highlights

  • This is a per injury and illness student insurance plan is available in two types namely Standard and Platinum plan.
  • The Standard plan provides a policy maximum of $500,000 and a $100,000 for a dependent.
  • The Platinum plan provides a policy maximum of $1000,000 and $100,000 for a dependent.
  • Deductible of $100 is applicable on this plan.
  • The plan is renewable and has a maximum life of 5 years.
  • The plan is available for people traveling outside their home country and the destination is the US.
  • Student Health Advantage plan is available for J1/J2 Visa, F1/F2 Visa, M1/M2 or A1/A2 Visa holders.
  • Co-insurance for this plan is not applicable for coverage outside of the US and Canada and the company pays 100%.
  • Co-Insurance for charges incurred within the US and Canada in the PPO network is covered 100%; for out of PPO network, 80% is covered up to $5000 after which 100% is covered.
  • Pre-existing condition coverage is available after a waiting period of 12 months.
  • Covid-19 is covered in the plan as any other illness.

General - FAQ's

Is IMG a good insurance company?

IMG is an award-winning provider of global insurance benefits and assistance services. International Medical Group (IMG) has been in the international travel health insurance market for 27 years and the company has been providing excellent world class medical insurance plans during this time. IMG on average takes less than 30 days to settle its claims.

International Medical Group provides US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world. It has an IMG international travel insurance plan to meet your needs.

Can f2 visa holder buy Student Health Advantage insurance?

Student Health Advantage is one of the best health insurance for f1 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.

Does Student Health Advantage Insurance cover covid illness?

IMG Covid19 travel insurance by Student Health Advantage insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

Steps to compare and buy
Best International student insurance

 Step 1: Finding the available best health insurance for international plans

Complete the student insurance quotes request form by providing details of the student and insurance requirements.

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.

Review the travel insurance policy documents received by email closely for coverage details and relevant contact numbers.

Step by step travel insurance

Factors for the cost of US student travel insurance


Student’s age

The student’s age determines the cost of US student medical insurance. The prices for f1 visa US student insurance increases with the age of the student.

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The length of coverage

The price of student health insurance in the US can be either monthly or on a daily basis. The price increases with the duration of coverage required.

Medical insurance

Maximum medical coverage

The cost of health insurance for international students in the US is directly dependent on the medical maximum coverage required. The cost of F1 student medical insurance is less for lower medical maximum and increases with higher medical maximum coverage.

Student health insurance for top US colleges and universities
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Covid19 international student insurance review

Covid F1 student health insurance

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 Covid19. 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 Covid19 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

International students staying away from the home country need sufficient health insurance coverage with covid19, as there is a surge of the new Delta and Omicron variants of the SAR’s .Students can compare cheap health insurance for international students in the USA with Covid19 coverage that fit their needs. Including a covid-19 coverage in the travel insurance cover acts as a protection towards the coronavirus illness irrespective of the variant.

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 Covid19 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.

US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

US visitors insurance providers

Offering student medical insurance for
20+ years!
Customers from
All U.S. states!
Customers from over
180 countries!