International students who enroll in the US Universities as well as US students studying outside the US have to satisfy one important requirement of the University, which is to have adequate International student health insurance .
International students are not eligible for the domestic health care options and they need to buy student health insurance that satisfies the requirements specified by the University. Most Universities in the US have student health insurance plans which the student can buy to qualify for basic health coverage.
They can also compare international student insurance outside of the University options as these can be cheaper while providing similar coverage. However most Universities might expect students to complete an insurance waiver form to ensure that the external student insurance satisfies the university requirement.
The student insurance plans that we offer in American Visitor Insurance are accepted in most US universities and offer health insurance for pre-existing condition coverage and sports insurance coverage for students . Along with being cheaper, some of these plans also provide the flexibility of monthly payment. Compare Covid19 international health insurance for students using our user friendly compare engine.
However this student insurance for visitors monthly payment option is not available in all student insurance plans. Listed below are details of the different plans with information about those plans which offer the monthly payment option.
Geoblue Navigator Plan is offered by Geoblue and is a great student health plan. They have coverage for pre-existing conditions, preventive care services and many others that are common on the student health insurance requirement list. The premium payment for this plan can be made on a monthly basis, even though this is an annual plan.
This plan is mainly available for US citizens and US residents. Legal residents and foreign nationals coming to the US as students and faculty are also eligible to apply to this plan. Other required benefits such as pregnancy, maternity are included in this plan. This is the only plan that is flexible with many benefits like pre-existing condition coverage, preventive care services cover availability.
Student Health Advantage Plan is a student insurance option which satisfies most US Universities requirements. This is offered by International Medical Group (IMG). This plan provides coverage for pre-existing condition after a waiting period. This plan has provision to cover mental health, pregnancy, maternity, sports... There are 2 levels for this plan namely Standard and Platinum.
The Platinum plan provides a higher policy maximum as high as $1,000,000. This plan can be purchased for any number of days or months. The plan has a maximum lifetime of 5 years. The premium payment can be made monthly or an upfront one-time payment for the duration as indicated in the application form.
This is a comprehensive plan and meets the requirements of US international student visas like F1 and US research scholars visas like the J1 visa.
Patriot Exchange plan is from IMG and is available for international student on F1 Visa and research scholars and exchange students on J1 Visa. The premium payment with this plan is one time upfront payment for the opted duration.
The plan has a special benefit where it is available to the spouse on F2 or J2 regardless of F1 or J1 being as the primary holder on the plan. This is not available with the other plans. This plan has a maximum lifetime of 2 years and the plan can be renewed after 12 months.
The Student Secure plans offered by WorldTrips is one of the more popular plans among the student insurance options for international students on an F1 Visa and research and exchange scholars on the J1 Visa. This plan is another plan that has the flexibility of making the premium payment on monthly basis.
This plan has four levels namely Student Secure Select, Student Secure Budget, Student Secure Smart and Student Secure Elite. The Elite plan has the highest policy maximum option of $1,000,000 and the others vary and have a lower policy maximum. The plan is renewable and can be renewed every 6 months. It can only be renewed continually for 4 years after which a new plan must be purchased.
Covers doctor visits in case of sudden injury or sickness.
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Some plans cover high school sports activities.
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Repatriation of remains expenses to home country in case of death.
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Expenses from sudden dental pain and accidental dental injuries.
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Some plans offer coverage for pregnancy, maternity and new born.
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Student insurance who need coverage for existing medical ailments.
Know more »The cheapest health insurance for F1 students is offered by Student Journey Lite insurance plan, starting at just $30 per month. Other affordable student health insurance option includes Student Secure Smart insurance and Student Journey Plus insurance. This cost mainly depends on different factors such as student's age, coverage duration, medical benefits, deductible, and co-insurance.
The best health insurance for international students in the USA are Student Journey Platinum by IMG, Patriot Exchange Program from IMG, StudentSecure Select from WorldTrips. 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.
On American visitor insurance the cost of health insurance for international students in USA varies from $30 to $115 based on providers and coverage. WorldTrips offer StudentSecure smart plan starting as low as $30 per month, particularly for those on F1 or J1 visas. The price depends on different factors like the age of the student, the duration, the medical coverage, the deductible and the co-insurance for the plan. Additionally the cost of health insurance for international students in USA also depends on coverage for mental illness, dental expenses, hazardous sports, maternity and coverage for pre-existing ailments. Here at American Visitor insurance we have calculated the cost of health insurance for international students to help you compare and make an informed choice while buying the plan.
The cost of health insurance for an international student per month aged 20 years old.
| Insurance Plans | Policy maximum | Deductible | Cost |
|---|---|---|---|
| Student Journey Lite IMG | $150,000 | $100 | $30 |
| StudentSecure Smart WorldTrips | $200,000 | $0 | $32 |
| Student Journey Plus IMG | $300,000 | $500 | $48 |
| StudentSecure Budget WorldTrips | $500,000 | $0 | $53 |
| Patriot Exchange IMG | $50,000 | $250 | $58 |
| Diplomat America Global Underwriters | $50,000 | $250 | $63 |
| Student Journey Platinum IMG | $500,000 | $250 | $74 |
| StudentSecure Select WorldTrips | $1,000,000 | $0 | $104 |
| Student Health Advantage Standard IMG | $500,000 | $250 | $115 |
Source:American Visitor Insurance®
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.
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.
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.
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 student health insurance plan just right for you and your situation.
The cost for the student travel insurance varies depending on the age of the student and the duration of coverage required. The older the student the higher will be the cost. The longer the duration of travel insurance required, the greater will be the cost. Ourstudent travel insurance quote comparison facility lists the travel insurance that satisfy your requirements comparing them based on price and benefit. On American visitor insurance you can compare best rates USA to student travel insurance and free quotes online.
The US student abroad cost ranges from $26 to $289 per month. The price depends on the factors such as student's age, coverage duration, medical benefits, deductible, and co-insurance.
The best student health insurance abroad cost per month for an international student aged 20 years.
| Insurance Plans | Policy maximum | Deductible | Cost |
|---|---|---|---|
| StudentSecure Smart WorldTrips | $200,000 | $0 | $26 |
| Patriot Exchange Program IMG | $50,000 | $250 | $39 |
| StudentSecure Budget WorldTrips | $500,000 | $0 | $47 |
| Student Health Advantage Standard IMG | $500,000 | $250 | $82 |
| StudentSecure Select WorldTrips | $1,000,000 | $0 | $80 |
| Student Health Advantage Platinum IMG | $1,000,000 | $25 | $246 |
| Navigator Student GeoBlue | Unlimited Coverage | $0 | $289 |
Source:American Visitor Insurance®
If you’re an international student planning to study in the USA on an F1 visa, having the right health insurance is essential. Most of the universities typically require F1 students to have health insurance coverage for medical expenses, emergency medical evacuation, repatriation of remains, and often mental health or maternity care. To make sure you meet both university and visa requirements, explore our comprehensive guide on best F1 visa health insurance requirements in USA.
International students in the US come from different countries, with diverse economic backgrounds and face different financial needs. At American Visitor Insurance we offer health insurance for international students with flexible payment structures designed to make it more affordable and convenient, whether they are in the US for a semester or for an entire program spanning many semesters.
There are different student insurance payment options available depending on the insurer and the length of coverage. The payment options are mainly either monthly or yearly, and the purchase can be either by paper or bought online. Here are some details of the different payment options for international student insurance in the U.S.
| Payment Period | Highlights | Advantage | Disadvantage |
|---|---|---|---|
| Monthly | Monthly payments, with recurring installments | Flexible with small installments | Overall higher total cost, and time consuming, Student must remember to pay on time to keep student medical insurance active. |
| Yearly | Pay the full premium up front (for entire policy period usually one year) | Cheaper than monthly payments, no risk of losing coverage by oversight | Larger upfront cost |
| Method | Description | Speed | Highlight |
|---|---|---|---|
| Online Application | Complete online application and payment on American Visitor Insurance | Fast — Policy issued instantly | Most common and use Credit card |
| Paper Application | Complete paper forms and submit documents by post | Slower — Takes time (few days) to process | Can pay by Check |
There are quite a few US health insurance for students that cover sports activities. It is hard to pick one plan as the best plan. There might be slight differences in the kind of sports activities that they cover. On American Visitor Insurance we offer the best sports health insurance plans for international students.
Coverage level |
Add-on cost (flat monthly rate) |
Sports covered |
| Low Option | $12.00 | Ballet, Baseball, Cheerleading, Cross Country, Diving, Equestrian, Fencing, Field Hockey, Golf, Horse Polo, Water Polo, Rowing, Softball, Surfing, Swimming, Tennis, Track & Field, Volleyball |
| Middle Option | $26.00 | Basketball, Competitive Cycling (Road, Track, CX), Ice Hockey, Inline Skating (with helmet/proper gear), Lacrosse, Martial Arts/Karate, Modern Pentathlon, Skiing (Slalom, Giant Slalom, Downhill), Ski Jumping and Wrestling |
| High Option | $80.00 | Football (No Division I), Gymnastics, Rugby (No Division I) and Soccer |
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Read more »International student medical insurance plans for students studying abroad.
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Students when they travel outside their home country to study along with the university academic experience also get an opportunity to experience a new culture and to see different parts of the world and meet new people with varied backgrounds. We work with several US insurance providers that offer excellent student F1 health insurance.
We have developed an excellent compare F1 visa student travel insurance tool and have article and FAQ's with information for the best travel insurance for f1 students studying abroad. Our international student insurance plan comparison facilities lists the student travel insurance that satisfies the student requirements.
Students can find the cheapest health insurance for international students in USA as well as outside the USA. Other than the cost, we also display relevant coverage details of health insurance for international students on F1 visa studying in the USA.
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