International Student medical insurance options

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What does international student health insurance cover?

Health care expenses

Health care expenses

Hospital medical expenses for sickness or accidents during coverage.
Sports Activities

Sports Activities

Some plans cover high school sports activities.
Doctor visit

Doctor visit

Covers doctor visits in case of sudden injury or sickness.
Dental Coverage

Dental Coverage

Expenses from sudden dental pain and accidental dental injuries.
Maternity Coverage

Maternity Coverage

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

Repat of remains

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

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Resourceful health insurance information for international students...

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An overview

International student insurance

It's that time of year again when colleges and schools are gearing back up for a new year. Here at American Visitor Insurance, we've helped thousands of international students secure the international student insurance they need to study in the US and abroad! Here's a little buying guide to help you choose an economical plan that will meet your institution's requirements.

Firstly, if your institution simply wants you to have some health insurance, then you are free to purchase any plan (whether for student or visitor) that we offer. Student plans are specifically for students or exchange scholars only. Your eligibility is tied to the visa you are using for entry into the country. For international students in the US, they can be on F1 visas or J1 visas.

Technically, most policies for students require the F1 or J1 person to be the primary insured (the first one on the policy, whether male or female) and F2 and J2 dependents can be added as a spouse or child defendants to that policy. However, a select few policies allow a J2 visa or F2 visa holder to purchase them as the primary insured (specifically Patriot Exchange/).

So, for students with no specific requirements (besides possibly maximum and/or deductible) you can choose from any visitor or student plan we offer. I would personally suggest a comprehensive policy with a maximum of at least $100,000 (which is specifically required for the J1/J2 visas).

With the borders opening for international students post the Covid19 pandemic, it is crucial that students are properly prepared while continuing to study and live in the USA. The Covid -19 infection continues to spread across the world with more dangerous Delta and Omicron variants. It is important that all international students buy good student health insurance cover.

International students can also review and compare international student health insurance for Covid19 and find the best plan with Covid coverage that fit their needs.

If, on the other hand, you have a laundry list of requirements from your institution, here are some that meet a more demanding list. Institution requirements that are difficult to meet:

  1. Unlimited maximum -- Most student policies have fairly generous maximums ($200,000 to $300,000 at least), but that is not enough for some institutions. The only one we offer with an unlimited maximum is GeoBlue Navigator for Students. A couple others that may work have an unlimited lifetime maximum (check the wording on your requirement), and they are called Collegiate Care Standard and Collegiate Care Preferred.
  2. Coverage for maternity/pregnancy -- For this type of coverage you must choose a student plan. The best coverage is from Collegiate Care Preferred (up to $50,000 coverage). The next best plans cover 80% in network (70 or 60% out of network) and they are Student Secure Elite, Student Secure Select, Student Health Advantage Platinum, Study USA Preferred 300 or 500. There are a few others with more limited coverage.
  3. Coverage for mental health: 75% cover with GeoBlue Navigator for Students, $5000 with Liaison Student Economy, Study USA or Collegiate Care Silver, $10,000 with Liaison Student Choice or Collegiate Care Gold, $25,000 with Liaison Student Elite, 80% with Student Secure Elite or Student Secure Select, $50,000 with Collegiate Care Preferred.
  4. Coverage for alcohol/drug abuse: 75% with GeoBlue Navigator for Students, $2500 with Liaison Student Economy, $3000 with Student Secure Budget, $5000 with Liaison Student Choice, Student Secure Elite, Student Secure Select, Student Health Advantage, Student Health Advantage Platinum, Study USA plans (all).
  5. Coverage for athletic teams and sports and athletics: GEOBlue Navigator for Student (no scuba), $2500 with Liaison Student Economy, $5000 with Liaison Student Choice, Student Secure Select or Elite, or Student Health Advantage or Platinum or Study USA (any), $7500 with Liaison Student Elite.
  6. Coverage for High School athletics: URC with Patriot Exchange with Add-on Plan.
  7. Coverage for pre-existing conditions with no waiting period.
  8. Coverage for pre-existing conditions for acute onset: $5000 with Liaison Student Economy, $10,000 with Liaison Student Choice, and $25,000 with Liaison Student Elite.
  9. Coverage for pre-existing conditions with a 6 month waiting period:
  10. Coverage for wellness and preventative medicine: GEOBlue Navigator for Student, $100 for immunizations with Liaison Student Economy, $150 for immunizations with Liaison Student Choice, $200 for immunizations with Liaison Student Elite, one routine physical exam per year with any Study USA plans.
  11. Best international student health insurance coverage for Covid19: International Students can buy Student Health Advantage and Patriot Exchange from IMG; Student Secure insurance from WorldTrips; Liaison Student Plus insurance from Seven corners, Study USA insurance from Travel insure which are the popular Covid19 student health insurance plans offering coverage for eligible medical expenses resulting from COVID-19/SARS-CoV-2
Students and scholars should be aware that several policies charge significantly more for a dependent on the policy or don't allow coverage for dependents. Policies that do allow dependents and only charge the same amount for dependents are: Liaison Student Economy and Patriot Exchange Standard.

Also, if you are told that you have to meet Affordable Care Act (ACA) student insurance requirements, then as far as we can tell, you will be forced to purchase the institution's offered insurance since no short term visitor and student plans are not ACA compliant.

If your institution requires a signed waiver to be submitted on your behalf (signed from the insurance company), you will have to purchase the insurance and then send the form to the correct email address for the insurance company. We can help you get the right email address if you do not know where it should be sent. You will have to fill out your portion (if necessary) and include the certificate number of the policy as well as the email address where it needs to go.

Note also that all the International student health insurance plans must be purchased for entire months. If you purchase it for one month and one day, you will pay for two months, so you may as well purchase the full month in case your plans change and you stay in the US a little longer than expected.

Please let us help you if you can't understand or are not sure if a policy will meet your requirements, please contact us. It is helpful if you can link the requirements or include the PDF file with them so we can look them over for you. We are happy to help you figure out the best option for you!

American Visitor Insurance wishes you a great new year filled with learning and improvement! Good luck!
coronavirus travel insurance
Covid19 Student insurance for Coronavirus
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USA students study overseas insurance plans

International student medical insurance plans for students studying abroad

Health insurance for international students studying in the USA

Best insurance for international students

Cheapest F1 student health insurance

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.

Student health insurance

Following are the list of popular countries where international students and US students visit to pursue their studies.

Nationalities of large international student groups in the US
Student health insurance for top US colleges and universities
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Ask me a Question?

Covid F1 student health insurance

Despite the spread of the BA.5 Omicron sub-variant, all international students with the F1 and J1 visa's are now allowed in the US. International students should however check the university updates and the covid19 requirements before travelling to US.

Unfortunately, even years after the pandemic started in China, Covid is again making a comeback with new immune-evasive variants. The Covid situation is made even more complicated in the US with influenza and the respiratory syncytial virus (RSV) which spreading earlier and faster than usual. International students should buy the best student travel insurance with covid-19 coverage. In case one contacts covid19 infections the illness will be covered and this includes the new sub-variants. Regardless of the variant a covid cover will provide students with coverage for the Covid infection.

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 Covid19 pandemic, it is very important for students to buy good Student medical insurance which includes coverage for Covid19. A Covid-19 coverage will offer protection towards the coronavirus illness just like any other illness under the benefits of the policy regardless of the variant. At American Visitor Insurance, we offer several international student health insurance with Covid19 coverage. The Covid-19 cover provides coverage just like any other illness irrespective of the variant.

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. Students while studying in the US need not worry about getting coverage for mutated variants. Irrespective of the variant covid-19 cover will provide students with the coverage if contracted the illness.

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

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 and F2 visa Insurance

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 insurance for F1 students

GeoBlue Covid19 student health insurance by Navigator for Student with coronavirus coverage covers medically necessary COVID-19 testing and treatment is covered.

International students can compare student insurance plans to most appropriate plan that suits their specific needs.

Compare student insurance plans

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.

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