Student Insurance Forum

student insurance forum
questionHi,
I am going to the US to seek my Masters Degree on August.
I have Type 1 Diabetes since I am 7 years old. I am 23 years old, i am looking ways on which insurance could be the best fit for me? since i have been investigating and insulin is very expensive in the US!.
Regards,
Milka

questionDear Milka,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!
Congratulations on your Master’s Degree work! The plans we offer do not cover any maintenance medication or treatment. I'm afraid that you will have to pay for that out of pocket. However, prices can vary widely by pharmacy and there are "discount cards" that are free that also change the prices significantly. I would check, for example, the Walmart pharmacy. They are famous for having many routine medications available for $40 per month. You may have to be sure a generic is OK, but that might be a good route for you. Certainly our plans will help you should you become ill or injured, but you will have to figure out how to get your insulin and doctor visits for the diabetes taken care of.
A great student plan is: Patriot Exchange
Patriot Exchange     Plan Details      Buy Now     Brochure

Please let us know if we can help any further

Regards,
Customer care
+1 (877) 340 7910 Updated on: April 2019
questionHi,
I wanted to touch base with you to possibly get an insurance quote for our international students for next year. I will have approximately 30-35 to cover. I don't need a premium plan...if we could get a quote on a middle of the road plan...that has a co-pay for office visits (I am thinking it would be less expensive)... They are all on an F1 Visa.
I have a few questions about your coverage: What/who in the Melbourne, Florida area accepts this insurance? Do the students have to pay in advance and then submit a claim form? What is the pre-existing conditions waiting period? If they were to go to a doctor for a simple check up and/or basic sports physical, would the visit be covered or there a co-pay due/ Please respond as soon as possible as I will be making a decision by July 19. Regards
Missie

questionDear Missie,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!
We have several group plans we could go with. The one I have in mind for you is called Patriot Exchange and I like it because there is a $100 deductible payable per injury/sickness and no other charge. It will cost about $57 per student per month for a $250,000 maximum policy (this includes full coverage for injuries sustained doing HS sports). The other group plans all have a deductible and after that a coinsurance payment of 20% usually of the next $5000. Here are links to the policy I am recommending for you. (Note that the "add-on" includes coverage for high school sports, so I included that in the price) To get a free quote and/or buy Patriot Exchange insurance:

Patriot Exchange     Plan Details      Buy Now     Brochure

The suggested plan has a waiting period of 12 months for coverage of pre-existing conditions.
Please see the provider network at the below link where you can find the providers near your area by giving your zipcode:
Provider Network

Payment for the claims is totally dependent on the providers. Generally if you go to a provider within the network they might do direct billing. If not, you will have to make the payment in advance and get it reimbursed by sending the scanned bill receipts to the insurance company.
There are no coverage available for wellness in this plan. If you need this, there is another plan below:
Study USA:

Study USA Logo     Plan Details      Buy Now     Brochure

Please let us know if we can help any further

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
My husband is living in pheonix, AZ now. We're very interesting about your products. His condition is m1 visa now. He is studying in one of flying school in there to become a pilot. It's not a extreme sport but he flies almost every day. Can he apply a just any student insurance or something else?
Thank you,
Yunmi Jeong

questionDear Yunmi,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs! Yes, he is eligible to buy student plans but he will not be covered while actually flying.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
Can a US citizen studying in US obtain any of Patriot healthcare Insurance?
Thanks,
Muhammad

questionDear Muhammad,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs! As you might already know, the Patriot America insurance is available for US citizens residing in abroad, making short visit to the US. This is a visitor insurance plan. This might not satisfy the requirements of the University health insurance.

Patriot America Insurance:-
Patriot America     Buy Now     Brochure

Please let us know in case of any further questions.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
I am an international student studying in Canada, I plan to go to the Iceland in December. To apply the visa, I need a travel insurance which has a minimum coverage of 30000 Euros. Therefore, I am wondering if this insurance works for me.
Thanks,
Sylvia

questionDear Sylvia ,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!
The Patriot plan is very popular with international travelers and has many excellent features. In particular, their coverage of "acute onset" of pre-existing conditions up to the maximum of the plan for medical expenses and an additional $25,000 for emergency medical evacuation can put your mind at ease. Also, if you family has citizenship from different countries, you will be able to list this accurately for each person on the policy. This is suitable for people traveling to European countries. You can use this plan for your travel to Iceland.
Patriot International:
Here is the product webpage for Patriot International on our website:

Patriot International Logo     Buy Now     Brochure

Please let us know in case of any further questions.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
Looking for the Best Student Plan for University of Alabama at Birmingham USA. For one year with minimal Copay covering out patient and in patient/ emergency services. I am 27yrs old female single Non USA.
Thanks,
Meenakshi

questionDear Meenakshi ,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs! we pride ourselves on getting you the best plan for your particular situation. The Liaison Student Series is available for all international students while they study outside their home country. The company offers three levels of the plan: Economy, Choice, and Elite with improved benefits for each. All plans are comprehensive and economical for their coverage. You will get a table comparing each plan in the "buy" link and you will get to choose your maximum and deductible after you choose which tier of plan you want to purchase.

Liaison Student Series plan from Seven Corners: This plan comes in three levels called Liaison Student Economy, Liaison Student Choice, Liaison Student Elite.

Liaison Student Economy:
Liaison Student Economy     Plan Details      Buy Now     Brochure

Liaison Student Choice :
Liaison Student Choice     Plan Details      Buy Now     Brochure

Liaison Student Elite :
Liaison Student Elite     Plan Details      Buy Now     Brochure

You can compare the prices as well as coverage benefits of the Liaison student insurance plans.
You can buy the Liaison student insurance online.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
I am interested in a medical insurance for my 2 daughters, aged 14 and 10 years old, international students from Spain (Europe) who are styding with a F1 VISA in New Orleans (LA). The insurance should cover from 8/10 to 12/22 for both. I am looking for a full insurance to cover the medical emergencies that may occur (urgency, hospital...). Both girls are very healhty, only to say the older one has a few dermatitis (she only needs some cream sometimes and she will travel with her creams) and an allergy to nuts and hazelnuts (she is very responsible with it).
Thanks,
Concepcion

questionDear Concepcion,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!, we pride ourselves on getting you the best plan for your particular situation. The Liaison Student Insurance is available for all international students while they study outside their home country. The company offers three levels of the plan:: Liaison Economy, Liaison Choice, and Liaison Elite with improved benefits for each. All plans are comprehensive and economical for their coverage. You will get a table comparing each plan in the "buy" link and you will get to choose your maximum and deductible after you choose which tier of plan you want to purchase

Liaison Student Economy:
Liaison Student Economy Logo     Plan Details      Buy Now     Brochure

Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
I am looking for a plan for my son who is 14 yrs old and is US citizen. He is going to study in France and I need health insurance plan for him for one year. Do you have monthly payment plans?
Thanks,
Carmen

questionDear Carmen,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!
Here are the links for the policy we spoke about over the phone: Here are the student insurance plans that we have.
Liaison Student plans:
In the above link there are 3 kinds of plans, Liaison Student Elite, Liaison Student Choice, Liaison Student Economy. The price for each varies and you can compare the three plans in the above link. Here is the online Buy link to purchase this plan: Buy Liaison Student Insurance
You can get quote on this buy page as well. Meanwhile I will get back to you regarding the monthly payment plans for students.

Here is a plan from Geoblue company Student plan called Navigator and this has the monthly payment option. Here is the link to get quote and purchase the plan online
Geoblue Navigator:
Navigator for Student     Plan Details      Buy Now     Brochure

Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
I need student insurance for my son who is on F1 that covers $10,000 for intercollegiate sports. Can you please specify a plan?
Thanks,
Mark

questionDear Mark,
The only plan that provides a max of $10,000 for sports is the Liaison Student Elite plan from Seven Corners. This plan covers Non Contact amateur sports.
You can buy the Liaison Student Elite Insurance plan by reviewing the plan details online.

The other plans provide $5000 coverage for sports activity.
Please let us know in case of further questions

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
I have a few questions about policies that you could offer. I am an American citizen and I will be going to Italy for graduate school. My school requires that I have 1. unlimited coverage for medical expenses for the duration of my stay.
2. A copy of proof to present to the Italian Embassy when I apply for my visa. I would like to know what types pf policies you offer that fit these situations, and could I purchase a plan online?
Thanks,
Lem

questionDear Lem,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs! Here are the plans that are popular and you can have a look at:

1. Liaison Student plans from Seven Corners: Liaison Student Insurance
These are student plans that are available for students studying abroad. You can compare the three plans to match your requirements.
You can buy Liaison Student Insurance plan online.

2.Atlas International from Tokiomarine HCC:
Atlas International     Plan Details     Buy Now

Do let us know if we can assist you any further.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
I am student in USA.
please suggest me a plan to choose the student plans available for international students
Thanks,
Sharath

questionDear Sharath,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!. Here are some plans for student that are popular and satisfy the requirements of US Universities. Please have a look:
Study USA insurance by Travel Insurance Services:
Study USA     Brochure     Buy Now

Student Secure:
Student +Secure Select and Elite also cover at 80/70%. The Secure plan can be purchased with a $300k maximum and the Elite can be purchased with $500k. To get a free quote and/or buy the insurance:
StudentSecure Elite     Buy Now    
Student Health Advantage Platinum is a very thorough plan. It has a $1 million maximum and a $35 deductible and covers at 80/60%. The plan also covers pre-existing conditions with a 6 month waiting period. To get a free quote and/or buy the insurance:
Student health advantage     Plan Details      Buy Now     Brochure

Do let us know if we can assist you any further.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
We are US citizens living in Taiwan. Our son will be returning to the US for university in Virginia come this August. What student health insurance plan is available for him? We do not have health insurance in the US right now
Thanks,
Yvonne

questionDear Yvonne,
Thank you for contacting us at American Visitor Insurance for yourStudents travel insurance needs!. Here is the student plan that you can use for your son:

Geoblue Navigator:
Navigator for Student Logo     Plan Details      Buy Now     Brochure

You can buy the GeoBlue Navigator for Student Insurance policy by perusing the policy brochure online. Please let us know if we can help you in regarding to the GeoBlue Navigator for Student Insurance plan details.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHey,
Greetings, My cousin will be a visitor in USA next month. She needs to know if you have a contract that you can deal with Mayo Clinic in Minnesota or Jacksonville, Florida. Also, she needs to know what kind of pre existing condition does of any plan you have . She is on visitor visa in USA. ( she has has total hip replacement and a thrombosis?) however the mentioned condition are not the reason of the visit at Mayo Clinic. We need to have the ideas clear before buying the best insurance with you. Awaiting for your prompt revert.
Thanks,
Esiona

questionDear Esiona,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!. We work with many different insurance companies to offer you the best option at the best price possible. You can put your age in and get quotes on different student plans here

Please note, that some institutions have specific requirements that have to be met (or visa requirements) in order to opt out of their insurance plan. If you have these, you can email them to us in a PDF file and we can make a recommendation for you, if it is available. Here is one popular plan that you can consider:
STUDY USA insurance by Travel Insurance Services:
Study USA     Brochure     Buy Now

Also, if you only need insurance for F2 visa or J2 dependents, then please contact us for your options since the plans above are mostly only for the student to be primary on the policy. If you have further questions or concerns, please do not hesitate to contact us!

Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHey,
Hello! To whom it may concern, I’m a student over at Life University in Marietta, GA looking for a quote for traveler’s insurance for a flight early July to Johannesburg, South Africa. Was just curious to what details are needed and how much it’d be! I look forward to your response, and have a great week!
Thank you kindly,
Jamal

questionDear Jamal,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!. For your travel to South Africa, you can use this plan that provides worldwide coverage excluding the US.
The Atlas International travel insurance plan from Tokiomarine HCC is one such plan.
This plan is a comprehensive plan and provides coverage for unexpected sickness and injury. Please refer to the above link in case of any information you may need.
You can buy Atlas Travel insurance :
Atlas International     Plan Details     Buy Now

Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHey,
I am looking for an student insurance. Which cover maternity and i need 80% to 100% coverage. If you guys can help me to find out best option for myself. I am not pregnant but i am planning to have a baby. Currently i lived in taxes states ,Irving - 75038
Please let me know the best options to go through with it
Thanks,
Chani

questionDear Chani,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs! Students and scholars on F or J visas have the best coverage for maternity coverage. However, the best coverage available is 80% coverage of costs, so please be aware that you will be responsible for a portion of all costs. There are four policies that cover maternity at an 80% coverage without a set limit on benefits. I will list them in order of their approximate cost. Note that conception has to occur after the start of the plan and most plans ask that you let them know at least three months before your delivery date.

1. STUDY USA plan: Study USA Pref 300 and Pref 500 both cover maternity at a 80/70% (in network/out of network). Conception has to occur after the start of this plan. To purchase and/or get a quote for this policy, use this link:
Study USA     Brochure     Buy Now

2. STUDENT SECURE plan: Student Secure Select and Elite also cover at 80/70%. The Secure plan can be purchased with a $300k maximum and the Elite can be purchased with $500k. To get a free quote and/or buy the insurance:
StudentSecure Elite Logo     Buy Now

3. STUDENT HEALTH ADVANTAGE plan: Student Health Advantage Platinum is a very thorough plan. It has a $1 million maximum and a $35 deductible and covers at 80/60%. The plan also covers pre-existing conditions with a 6 month waiting period. To get a free quote and/or buy the insurance:
Student health advantage     Plan Details      Buy Now     Brochure

Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
My name is Eve from Ghana. i will be starting my masters at the university of Idaho from July 20th 2018 and i need help finding a very good insurance plan that covers the following requirements?
  1. Minimum lifetime Maximum of 500,000
  2. annual deductibles of 500 maximum
  3. copay amount of 70-100%.
  4. Accident and illness coverage to include Maternity
  5. Repatriation coverage of 25,000 or above.
  6. Medical evacuation above 50,000
  7. company must have a licensed claim office in the usa.
  8. Must provide coverage in the Moscow Idaho area. must be renewable annually. i want something with a global coverage.
All Prices In $
I will appreciate a feedback thank you.

Thank you.
Evelyn

questionDear Evelyn,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!.
We have several student plans here that provide coverage to the requirements mentioned: Student insurance plans
Some of the popular plans are listed in the above page.

STUDENT HEALTH ADVANTAGE:
Student health advantage     Plan Details      Buy Now     Brochure

STUDENT SECURE SELECT:
Student Secure     Plan Details      Buy Now     Brochure

GEOBLUE NAVIGATOR:
Navigator for Student     Plan Details      Buy Now     Brochure

Please let us know if we can help you in any further.

This plan provides worldwide coverage for students in United States.

Regards,
Customer care
www.americanvisitorinsurance.com
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
I'm interested to buy student plan, could you help? I need to cover the items form the form attached. If this plan doesn't cover these items, could you say what plan is appropriate? Other question: How does your refund policy works in case of any unexpected situation?
Thank you for your help Thank you.
Juliana

questionDear Juliana ,
I saw your other email that you are interested in the International Student Health Insurance. Seven Corners have updated their student insurance plans. We have the Liaison Student Economy, Liaison Student Choice, Liaison Student Elite plans for student available with flexible benefits.

Please use the below link on our website to compare the three plans to suit your requirements:
Liaison Student Insurance

The refund will be done if you cancel the plan on pro-rated basis. If you cancel it before the effective date of the plan, you will receive the full refund of the premium and if you cancel after the effective date of the plan, portion of the unused premium will be refunded.
Please let us know if we can help you in any further.

Regards,
Customer care
www.americanvisitorinsurance.com
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
I am an international graduate student at Florida Atlantic University, USA. I am seeking for health insurance from you. My university has 17 criteria which you need to fulfill. Please see the below form where those criteria are mentioned. Please suggest me which policy would be best suitable for me.
  1. Claims: The alternate policy has a claims agent located in the United States.
  2. Coverage Period*: Policy must provide continuous coverage for the entire period the insured is enrolled as an eligible student. Policy is prepaid and/or non-cancelable for the entire coverage period. Payment of benefits cannot be limited to a specific period of time (i.e., must be renewable).
    NOTE: For students beginning enrollment at FAU in the Spring or Summer terms, coverage must extend from at least the beginning of the term started to the third week of August. For students graduating in the Fall term, coverage must extend through the first week of January.
  3. Basic Benefits: Room, board, hospital services, physician fees, surgeon fees, ambulance, outpatient services, and outpatient customary fees paid at 80% or more of usual, customary, reasonable charge per accident or illness, after deductible is met, for in-network, and 70% or more of usual, customary, and reasonable charge for out-of-network providers per accident or illness.
  4. Inpatient Mental Health Care: Paid at 80% in-network or 60% out-of-network of the usual and customary fees with a minimum 30-day cap.
  5. Outpatient Mental Health Care: Paid at 80%% in-network or 60% out-of-network of the usual and customary fees for a minimum of 30 (preferably 40) sessions per year.
  6. Maternity Benefits: Treated as any other temporary medical condition and paid at no less than 80% of usual and customary fees in-network or 60% out-of-network.
  7. Inpatient/Outpatient Prescription Medication: Offers coverage of $1000 or more.
  8. Exclusion for Pre-Existing Conditions: First six months of policy period at most.
  9. Deductible: $50 per occurrence if treatment or services are rendered at a Student Health Center (SHC), $100 per occurrence if treatment or services are not rendered at a SHC, or $400 cumulative per policy year.
  10. Minimum coverage: $200,000 for covered injuries/illnesses per accident or illness, per policy year, with no internal caps or limitations for covered injuries or illnesses.
  11. Insurance Carrier must be “A” rating or above per Para 62.14(c) (1) of the Code of Federal Regulations.
  12. Policy may not unreasonably exclude coverage for perils inherent to the student’s program of study.
  13. Claims are paid in U.S. dollars payable on a U.S. financial institution.
  14. Policy provisions available from insurer in English.
  15. Policy premiums shall be refundable if student is no longer eligible for policy (in no other instances shall the policy be refundable).
  16. Repatriation: $10,000 (coverage to return the student’s remains to his/her native country).
  17. Medical Evacuation: $25,000 (permits the patient to be transported to his/her home country and to be accompanied by a provider or escort if directed by the physician in charge).
Thank you.
Aritra

questionDear Aritra,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs! We have three plans that meet the criteria you listed in your email. I will give them all to you below with the price (I assumed you were in your 20s, if not the price could be different).

The first is Study USA preferred 500. It has a maximum of $500,000 and a deductible of $50. It will cost about $80 per month. Here are links for that policy: (Be sure you choose the Preferred 500 option; the others to not meet the criteria)
Study USA
You can buy the Study USA Insurance plan online by perusing the policy brochure. Please let us know if we can help you in regarding to the Study USA Insurance plan details.

The next plan is called Student Secure Select. It has a maximum of $300,000 and a deductible of $50. It will cost about $88 per month. Here are links for that policy:
Student Secure     Plan Details      Buy Now     Brochure

The last plan is called Student Heath Advantage Platinum. It has a maximum of $1 million and a deductible of $25. It will cost about $145 per month. Here are links for that policy:
Student health advantage     Plan Details      Buy Now     Brochure

All the policies I have listed meet or exceed the requirements for your institution. Feel free to check the brochure yourself or with an administrator to be sure they will be satisfied with the plan. I do recommend the first plan as giving you the best value for your money and meeting (and exceeding) all the requirements.

If you have any other questions, do let us know. If you will need a form signed by the insurance company, please let us know ASAP so we can make sure they will be willing to sign this for you.

Please let us know if we can help you in any further.

Regards,
Customer care
www.americanvisitorinsurance.com
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
My son has just arrived in Florida from Japan and is studying at Global UCF in the language academy there. He will be studying there for ten months and then return to Japan in February of 2019. He is a permanent resident of Japan, possesses a Japanese passport, however, he has dual nationality. I his father am American and I reside in Japan and have permanent residency there. His mother, my wife also lives in Japan and is Japanese. My question to you is can my son purchase an insurance policy from you while he is studying at UCF in Florida?
Thank you.
Martin

questionDear Martin,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!. Sure your son can purchase insurance for his stay in Florida. If the Language academy is considered an university, then he will be eligible to buy student insurance. If he is not eligible as a student, then he can buy the visitor insurance. To look at student insurance options, please see the students section at - student insurance.
Please check specifically if he satisfies the student eligibility section (based on the language program that he is enrolled in).
If you want to consider Visitor insurance, he can look at the section for US citizens visiting USA at - Click here
Please let us know if we help you in any further.

Regards,
Customer care
www.americanvisitorinsurance.com
+1 (877) 340 7910Reviewed and Updated : April 2019
questionDear Sir/Madam,
Thank you for your reply to my inquiry. Before I purchase a policy on behalf of my son, I need to know which do I check in regards to his citizenship? He has both an American passport as well as a Japanese passport. He has dual citizenship. His permanent residency is in Japan and he has no permanent address in America. However, he will be studying English as a non-student at the University of Central Florida for one year from this week. He does not quality for their insurance as he did not need an F1 visa to enter America. Which should I check as his citizenship on the insurance application form.

I would like to consider all insurance providers for my son as a Japanese citizen given he does not have a permanent address in the US and he does live and reside permanently in Japan. He will need a policy from March 21, 2018 to February 28, 2019 for his visit in the US. On February 28, 2019, he will return to Japan. Again this is my son's situation and I would like to inquire about other insurance providers which will meet those conditions. Thank you again for your assistance.

Let me add I would like to consider an insurance policy which includes United Healthcare as the primary health network.
Thank you.
Martin

questionsDear Martin,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!. We spoke to the different insurance providers regarding your son's situation. We were informed that he can buy the Student insurance plans since he is enrolled in the language program and his visa status will not factor for his eligibility.Since you had asked for plans with the United Healthcare as the primary network, the following plans would work best for you - Liaison Student plans offered by SevenCorners. You can review both these plans as well as buy them at - Liaison Student Insurance

Please take a look at these options and feel free to contact us if you have any more questions.
Please let us know if we help you in any further.

Regards,
Customer care
www.americanvisitorinsurance.com
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
I’m a student and need health insurance, please can you suggest an insurance policy and its price.
Thank you.
Ajay

questionDear Ajay,
Before you buy a student insurance plan you need to be aware of the vital insurance factors that determine the price of an insurance plan.
The insurance plan policy maximum and type of coverage determine the price of the plan. Most universities have the requirement that the policy must cover per injury or sickness. The next factors are deductible, coinsurance and copay, these are the part of payment you need to make for expenses of the treatment of an injury or sickness. There some requirements for a coverage that the plan should offer, like the pre-existing cover, dental cover, mental illness coverage, sports cover, preventive care cover and cover for dependents. All these factors affect the price of the insurance plan. More the benefits higher will be the price of the plan.
Review these factors for the best student insurance plan in detail.
Keeping these things in mind you can get free quotes for international student health insurance by answering a few questions based your requirements. A list of popular student insurance plans will be displayed from reputed insurance providers. You can select 2 or more plans to compare and finally choose the best plan satisfying your needs.
Please let us know if we help you in any further.

Regards,
Customer care
www.americanvisitorinsurance.com
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
I have some questions regarding the insurance.
  • How much time do you take to send the insurance id card after the purchase of the insurance plan?
  • Can you send me the complete policy including the exclusions & limitations and dependent coverage?
  • The insurance plan is covered under a health plan that is compliant with the Affordable Care Act (ACA)?
  • The plan include medical evacuation and repatriation or a rider must be purchased providing coverage at equal limits to the SHIP?
I will really appreciate if you help me with this questions.
Please contact me as soon as possible
Thank you.
Ariel

questionDear Ariel,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!
Here are the answers to your questions:
  • How much time do you take to send the insurance id card after the purchase of the insurance plan?
    Answer: The purchase of the insurance plan is online. Once the purchase transaction is completed successfully, you will receive a confirmation email from the insurance company and the policy details are attached to this email. The ID Card also is attached with the policy details in the confirmation email. You can print that and use it.
  • Can you send me the complete policy including the exclusions & limitations and dependent coverage?
    Answer: All the required details will be available in the confirmation email which you will have to download and print. The exclusions and limitations are listed in the brochure of the plan in a PDF document.
  • The insurance plan is covered under a health plan that is compliant with the Affordable Care Act (ACA)?
    Answer: Our student insurance plans are not specified as ACA compliant. But you can compare the benefits and see if the requirements match the ACA compliancy.
  • The plan include medical evacuation and repatriation or a rider must be purchased providing coverage at equal limits to the SHIP?
    Answer: Can you please let us know the requirements of SHIP? I am not familiar with that. The plans definitely have medical evacuation and repatriation coverage but we do not know if they have to be purchased according to the SHIP.
Please let us know if we can help you in any further.

Regards,
Customer care
www.americanvisitorinsurance.com
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
I am looking to purchase insurance for international student who is studying in the US. I would like the insurance to include medical/doctor visit, drug prescriptions, hospital room, ambulance/emergency, injury. Please send me an email for the best options!
Thank you.
Megan

questionDear Megan ,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!.
A popular student plan that you can use is given below:

Student Health Advantage     Plan Details     Brochure     Buy Now

Please let us know if we can help you in any further.

Regards,
Customer care
www.americanvisitorinsurance.com
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
I have an M1 visa and I will be in Fort Lauderdale for 5 weeks. I need an insurance. I have some blood problem like anemia and I am allergic person.
Thank you.
Akochi

questionDear Akochi ,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!.
We have our visitor compare facility where you can view various plans. These plans provide coverage for acute onset of pre-existing conditions:
Visitors Medical Compare

You can also view our pre-existing plans page to view the comprehensive options which have coverage for acute onset of pre-existing conditions:
Popular Pre-existing conditions plans

Please let us know if we can help you in any further

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
I wanted to touch base with you to possibly get an insurance quote for our international students for next year. I will have approximately 30-35 students to cover. I don't need a premium plan...if we could get a quote on a middle of the road plan...that has a co-pay for office visits (I am thinking it would be less expensive)... They are all on an F1 VISA
Thank you.
Missie

questionDear Missie ,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!. We have several group plans we could go with. The one I have in mind for you is called Patriot Exchange and I like it because there is a $100 deductible payable per injury/sickness and no other charge. It will cost about $57 per student per month for a $250,000 maximum policy (this includes full coverage for injuries sustained doing HS sports). The other group plans all have a deductible and after that a coinsurance payment of 20% usually of the next $5000.
Here are links to the policy I am recommending for you. (Note that the "add-on" includes coverage for high school sports, so I included that in the price):
Patriot Exchange
For more information regarding to the Patriot Exchange Insurance plan, please peruse the Patriot Exchange brochure, the PPO network and buy Patriot Exchange Insurance online.

Please let us know if we can help you in any further. If you would rather have more options or exclude sports coverage, let me know.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
I have a student travelling to Europe on June 17th. She will be flying out of Chicago to London via Dublin, traveling to Paris, Barcelona, Rome, Vienna, and Salzburg, then returning to Chicago from Munich via Reykjavik on July 2nd. She also, I imagine, has a pre-existing medical condition. I am interested in travel insurance that will cover this entire trip, including at least six flights and two train journeys. Can you provide any information and a quotation, please?
Thank you.
Elaine

questionsDear Elaine ,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!. For the student traveling to Europe, she can either buy the Patriot International by IMG or the Safe Travels International by Trawick International. These plans are suitable for US citizen traveling outside the US.
Here is the link of the Patriot International in our website:

Patriot International     Buy Now     Brochure

Here is the link of the Safe Travels International:

Safe Travels International     Buy Now     Brochure

Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
I'm starting my graduate program this Fall 2017 at Queens College New York. My 5 years old son is coming along during my duration of study. I'm on hyperthyroidism medication for years now and the situation is so far under control. Since the course is going to be 2 years, I'm looking for an insurance plan for both me and my son. Since I have a pre existing condition, can you suggest a suitable and affordable plan for us? I'm 40 and my son is 5.
Thank you.
Kathryn

questionDear Kathryn,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!. We have several student plans available on our student plan search engine: Student Insurance
Most of the plans have a waiting period for coverage of pre-existing condition which will last from 6 months to one year. This particular comprehensive option does not have waiting period for preventive care services and pre-existing conditions provided there has been a prior creditable coverage. To get quote and buy this plan, please enter your US zipcode and get the quote.
1. Navigator for Student from GeoBlue:

Navigator for Student     Plan Details      Buy Now     Brochure

Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionDear whomever this may concern,
My name is Kabir and I will be attending UCLA next fall. I was doing some research into the different student health insurance policies that I could take. The university have made a list of requirements as to what the insurance should contain.If you could give a point by point response as to which requirements are fulfilled and if any which are not fulfilled.
Thanks
Kabir

questionDear Kabir,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!.
Here are our student plans that are available for international students. We also have a quote facility where you can get a quote instantly: Student Insurance
These student plans satisfy all the requirements of your University. But you can confirm it with your University as well by showing them this plan.
Here are the 2 popular plans that you can consider:
1. Student Secure Select from Tokiomarine HCC:

Student Secure     Plan Details      Buy Now     Brochure

2. Student Health Advantage from IMG:

Student health advantage     Plan Details      Buy Now     Brochure

Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHello,
My son goes to Curry College at Milton MA, we have an international insurance with VUMI, but curry will not accept it for being international, and also because it does not cover mental health, substance abuse...and they are forcing me to get theirs that is blue cross, for me is too expensive, can you offer me another option?
Thanks
Francisco

questionDear Francisco,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!.
We have student plans that cover mental health, substance abuse...
Please have a look at the below mentioned options:
1. Student Health Advantage from the company IMG(International Medical Group):

Student health advantage     Plan Details      Buy Now     Brochure

2. Student Secure Select from Tokiomarine HCC:

Student Secure     Plan Details      Buy Now     Brochure

Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
I'm interested in buying a health insurance for a M1 visa student. Please help me to decide before Christmas.
Thanks
Regards,
Suna

questionDear Suna,
With student insurance, you can purchase any of the student plans we offer. However, if there are specific requirements by your institution, that may limit which ones you can use to replace their plan. If you have a document or website which shows the requirements, we can make suggestions to you based on that. Also give us your age so we can give a specific quote.
You can compare buy : International Health insurance for Student on M1 visa

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
I need a Insurance policy that meets this requirements:
  • Basic Benefits: Room, board, hospital services, physician fees, surgeon fees, ambulance, outpatient services, and outpatient customary fees must be paid at 80% or more of usual, customary, reasonable charge per accident or illness, after deductible is met, for in-network, and 70% or more of usual, customary, and reasonable charge for out-of-network providers per accident or illness.
  • Inpatient Mental Health Care: Must be paid at 80% in-network or 60% out-of-network of the usual and customary fees with a minimum 30-day cap per benefit period.
  • Outpatient Mental Health Care: Must be paid at 80% in-network or 60% out-of-network of the usual and customary fees for a minimum of 30 (preferably 40) sessions per year.
  • Maternity Benefits: Must be treated as any other temporary medical condition and paid at no less than 80% of usual and customary fees in-network or 60% out-of-network.
  • Inpatient/Outpatient Prescription Medication: Must include coverage of $1,000 or more per policy year.
  • Repatriation: $10,000 (coverage to return the student’s remains to his/her native country).
  • Medical Evacuation: $25,000 (to permit the patient to be transported to his/her home country and to be accompanied by a provider or escort, if directed by the physician in charge).
  • No Exclusion for Pre-Existing Conditions.
  • Deductible: Maximum of $50 per occurrence if treatment or services are rendered at the Student Health Center; maximum of $100 per occurrence if treatment or services are rendered at an off-campus ambulatory care or hospital emergency department facility.
  • Minimum coverage: $200,000 for covered injuries/illnesses per policy year.
  • Insurance Carrier must, at a minimum, meet the rating requirements specified in Part 62.14(c)(1) of Title 22 of the Code of Federal Regulations.
  • Policy must not unreasonably exclude coverage for perils inherent to the student's program of study.
  • Claims must be paid in U.S. dollars payable on a U.S. financial institution.
  • Policy provisions must be available from the insurer in English.
Thank you,

questionDear Melissa,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!. The plan that meets all of your requirements is the Student Health Advantage Platinum by IMG. Please note that coverage for pre-existing condition has a waiting period of 6 months. So before you buy this plan, check with your school if they are ok with this condition.

Student Health Advantage     Buy Now     Brochure

Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
My name is Narcisa Medina I am going to travel to Spain because I am going to study, I need a Medical Insurance my age is 29 years, I am traveling from April 15, 2016 until January 08, 2017. Please help with the price of the Insurance.
Thank you,
Narcisa Medina

questionDear Narcisa,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!.
We have several student and visitors insurance plans for people visiting or studying outside their home country. Are you a US citizen traveling outside US? Are you a Non US citizen traveling outside your home country?
If you are a US citizen traveling to Spain or a Non US citizen traveling to Spain, you can use this visitors plan:
Atlas International from the company HCCMIS:
Atlas International
The details of the plan can be viewed here:
Plan Details
For the Brochure of this plan:
Brochure
To get quote and purchase this plan:
Free Quotes

We can give you other plan suggestions as well. If you are specifically interested in student plans, please check the below quote facility and view the list of eligible plans: Student Medical Compare
You can also visit our visitor quote facility here: Visitors Medical Compare
Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionDear Madam or Sir,
I am planning to have F1 status for US University, and considering the medical insurance plans, after checking your website, I am very interesting to go deep to learn which plan is much more fit for me. Please help to check if I have F1 status in US for coming 4 years, and if the medical insurance plan can cover my spouse and my kid? My age is 38 years and same with my spouse, my kid is 8 years. And how the plan can cover the pre-condition for us? Especially for my kid?
Thanks,
Look forward getting your feedback,
Best Regards
Martina

questionDear Martina,
Do you have any specific requirements that your university wants you to meet for your health insurance? Often they do have specific requirements that must be met. If there are no specific requirements, then you are eligible to purchase any of our student plans. Be sure you enter your wife and child's information to get options that include them and include them in the price. A very good plan is Patriot Exchange with a great price and benefits. Also, if your child is under 10 years old, then the Altas plan offers the child free with a paying adult, so their price is hard to beat.
Let us know if you have any requirements, so we can compare them to what we have to offer. Otherwise, I will put links to the above plans I mentioned below:
Patriot Exchange plan can include dependents at a reasonable rate:
Patriot Exchange
For more information regarding to the Patriot Exchange Insurance plan. Please peruse the Patriot Exchange insurance Brochure, the PPO network and buy Patriot Exchange Insurance online.

Atlas plan (free children under 10 with paying adult) To purchase the Atlas America plan, you can go directly to this site:
Atlas America
For more information regarding to the Atlas America Insurance plan. Please peruse the Atlas America insurance Brochure, the PPO network and buy Atlas America Insurance online.

Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHello,
UC Berkeley can waive my requirement to buy insurance from their provider as long as my insurance meets theirs requirements, which are:
  • $500,000 per accident/illness in medical coverage
  • Policy deductible of no more than $250 per year
  • Coinsurance does not exceed 25%
  • Medical evacuation of $10,000
  • Repatriation of $7,500
So, my questions are:
Scenario 1: How much it would cost me to buy insurance from you from August 7 through August 31, 2013? And then, from December 1, 2013 to January 10 (considering that part of this period I will be in Chile, and that I won't come back to Spain until January 10, 2014)? Could I buy insurance from you in this scenario?
Scenario 2: Assuming that you insurance meets UC Berkeley requirements, how much it would cost me to buy insurance from you from August 7, 2013 through January 10, 2014?

I apologize if this is confusing. Please, let me know if you prefer for me to call.
Thank you very much for your attention.
Best!
Daniela Cavalli

questionDear Daniela,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!. It was nice talking to you earlier. I am glad I was able to help you with your insurance needs.
Seven Corners have updated their student plans and now we have Liaison Student Economy, Liaison Student Choice, Liaison Student Elite plans.

Liaison Student Economy:
Liaison Student Economy     Plan Details      Buy Now     Brochure

Liaison Student Choice :
Liaison Student Choice     Plan Details      Buy Now     Brochure

Liaison Student Elite :
Liaison Student Elite     Plan Details      Buy Now     Brochure

You can compare the three to see their benefits to meet your requirements here on our website: Liaison Student Insurance

Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHello,
I am writing as I wish to purchase some health insurance for my 23 year old son who is currently in the U,S, and his coverage with Highmark PPO insurance, which was purchased for his previous college year but ends on 31 July. The following are circumstances:
  • Has been attending college in the U.S. For the previous four years on an international student visa.
  • Permanent home address is Brisbane Australia.
  • Holds Canadian and Australian citizenship.
  • Is working (allowable at the end of his student visa) as a tennis coach at a College in New York for the summer and then other areas around New York City until the end of April 2016.
  • I would like to purchase top coverage up to $5 million with $2,500 deductible.
Can you please advise if his is eligible for one of your health insurance policies.
I look forward to hearing from you.

Kind regards,
Patricia

questionDear Patricia,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!. I am guessing that he will no longer have the student visa status once he starts his coaching job. If that is the case then the policy I recommend is the Patriot Platinum by IMG. This is comprehensive plan that offers excellent coverage for people traveling outside their home country.
It will cost you $844.90 for a policy max of $5,000,000 and $2,500 deductible.
Patriot Platinum Insurance
You can also buy the Patriot Platinum Insurance plan online by perusing the Patriot Platinum insurance brochure. Please let us know if we can help you with any questions regarding the Patriot Platinum Insurance plan details.
Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionDear customer support,
I want to get a quote for medical insurance for international students attending Emory U as freshman this fall.
Personal data of student:
Male age 19, Coverage: August 19, 2015 to May 31, 2016.

Sincerely,
Kara C

questionDear Kara,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!. I have looked over the requirements for Emory and it looks like there is ONE policy which will meet and exceed these requirements. The policy is Study USA and will cost $72.27 per month. It has a maximum of $250,000 and a deductible of $50. The main problem with the other policies (which could be cheaper) is the very odd requirement of $25,500 for repatriation. Most policies are only $25,000 so that is why you are limited to that choice.
Here are the links and information for that policy:
Study USA
You can also buy the Study USA Insurance plan online by perusing the Study USA insurance brochure.
Let us know if we can do anything further for you. Good luck!

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionDear American Visitor Insurance,
When I went to pay the Student Secure I must accept the terms and conditions before, can you explain me the meaning of this?

" I understand that Lloyd's operates as an approved, non-admitted insurer in all states of the United States except Illinois and Kentucky where they are admitted. As such, claims under this insurance may not be made against any state guaranty fund. "

Thank you very much.
Bea

questionDear Bea,
Every state's insurance department has their own funds that they use to pay claims of state residents' whose insurer - whether it be health, life, home, etc. - is no longer solvent and cannot pay the claims of its members, or in other words keep their promise because they ran out of money. The only insurance companies whose members can receive payment from these funds would be those that are admitted by the state.

Since the international products offered by TokioMarine HCCMIS are underwritten by Lloyd's, in all states but Kentucky (KY) and Illinois (IL), HCCMIS customers would not be able to submit their claim to the insurance department in the event HCCMIS is no longer able to pay claims.

However, please be aware that HCCMIS is one of the most financially stable specialty insurers in the world, with the ratings to match, and a surplus of over $9B. The language can be a little unnerving but it would be nearly impossible for HCCMIS to not be able to pay claims on our policies due to financial stability. One of the benefits of choosing HCCMIS is the financial strength and stability. But since HCCMIS is not technically admitted in most states, they are still required to include that language.

I hope this is able to clear your concern. Please let me know if you have any other questions.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionDear customer support,
I will go to California as a visiting Ph.D student in Los Angeles in the end of September. And the insurance I need should meet the following requirements:
  • Medical benefits of at least $50,000 per accident or illness;
  • Repatriation of remains in the amount of $7,500;
  • Expenses associated with medical evacuation to your home country in the amount of $10,000;
  • A deductible not to exceed $500 per accident or illness. In addition, I am 28 years old. I would like that you could recommend some insurance plan which is suitable for me.
Thank you very much.
Liru

question Dear Liru,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs! The Patriot Exchange insurance plan offered by International Medical Group (IMG) provides comprehensive insurance for international students (F1 visa) and J1 visa scholars in the USA. It satisfies J1 visa and most US university requirements and is hugely popular.

Patriot Exchange
For more information regarding the Patriot Exchange plan, please peruse the Patriot Exchange plan brochure and buy Patriot Exchange Insurance plan online.

You can also look at other policies in case you are interested. We have provided a friendly insurance quote/compare facility at - Students medical compare where you can compare various insurance policies, download plan brochures, obtain online quotes and also purchase plans.

Please feel free to contact us in case of further questions.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
question img-fluidDear customer support,
I am on F1 visa. Can I buy your insurance?
Irena

questionDear Irena,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!.

There are variety of plans with various maximum coverage limits (ranging from $100K to $1,000K) and deductibles (ranging from $50 to $2500). We have provided a friendly insurance quote/compare facility at - Students medical compare where you can compare various insurance policies, download plan brochures, obtain online quotes and also purchase plans.

Please let us know if your institution has any specific requirements and the name of your institution in case they have specific requirements listed.

I will be glad to assist in answering any questions you may have in identifying the plan that best meets requirements for your visa and/or institution as well as help you in completing the plan application.

Please feel free to call us at 877-340-7910.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHello,
I am going to be an international Student. Can I also be an applicant with my 2 children? We will stay in North California.
Thank you very much in advance,
Regina Matussek

questionDear Regina,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!. The Patriot Exchange insurance plan offered by International Medical Group (IMG) provides comprehensive insurance for international students (F1 visa) in the USA. It satisfies most US university requirements and is hugely popular. You can add your children as your dependents.

Patriot Exchange
For more information regarding the Patriot Exchange plan, please peruse the Patriot Exchange plan brochure and buy Patriot Exchange Insurance plan online.
Feel free to call or email us with any questions or comments you may have.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionDear Madam/Sir,
Thank you very much for your mail with the list of "Compare Students Insurance", which I found very helpful.
Here, I would like to raise two questions for your kind assistance, if possible:
1) I am looking for a medical insurance plan for my son, who is 18 years old and will come to Ohio this coming August for a 4-year undergraduate study as a F-1 foreign student. But I notice that the medical covers you collect are either for the US, or worldwide excluding the US.
My question is: is there any additional medical insurance plan or solution for his short travel out of the US and also for his short stay in his home country China (for example in the summer vocation or Christmas holiday)?
2) I notice that some medical insurance providers offer their products for F-1 foreign students only on a maximum 10-month period per year. I wonder what is the thinking behind the design of the 10-month policy period and how about the rest two-month period without medical cover?
Thank you very much for your kind reply and time in advance!
Thanks,
Yannan

questionDear Yannan,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!.
Most of our Student health plans have incidental home country coverage for a 2 week period. Here are 2 plans that provide home country for a period of 2 weeks for every 3 months period. These plans have a waiting period of 6 months for pre existing condition coverage. They have a maximum policy period of more than 10 months.
Student Secure Select plan from HCCMIS:
This plan has a policy max period of 4 years. The details of the plan are available on the below link of our website:
StudentSecure Select
For more information regarding the Student Secure plan, please peruse the Student Secure plan brochure and buy Student Secure Insurance plan online.

Another plan is STUDY USA PREFERRED from Travel Insurance Services:
This plan has a max policy period of 1 year. For details on this plan, visit the below link on our website:
Study USA
You can also buy the Study USA Insurance plan online by perusing the Study USA insurance brochure. Please let us know if we can help you with any queries regarding Study USA Insurance plan details.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionDear American Visitor Insurance,
I want to buy insurance for my niece who is a Chinese citizen and will be an international student of IWO State University. She needs insurance for a couple of weeks before her University insurance policy starts. I need your help and advice.

Thank you,
Frank

questionDear Frank,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!. The Patriot insurance plan offered by IMG is specifically designed for short term visitors to USA and is a hugely popular choice among tourists to America. Because your niece will only need a couple of weeks of insurance before her school insurance kicks in, I will suggest a short term visitor insurance instead. The student policies are great but must be purchased for whole months only. This way, you only pay for the days she will need. The Patriot America plan will cost $28 for a $500,000 maximum plan with a $250 deductible. You can select other maximum and deductible amounts if you like.

You can start the insurance as soon as the following day, so you will be able to make the purchase before she leaves (provided you buy it tomorrow on the 12th) and you can make the purchase for her from Canada and you only need the information that you have (name, date of birth, passport number). You can still purchase it after she leaves China, but her travel and anything that should happen before the policy starts, would, of course, not be covered.

Patriot America
You can get all details about Patriot America insurance policy and buy the Patriot America insurance policy online. Please let us know if we can help you with any queries regarding to plan details.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHello,
I have a daughter who is 15 years old and is coming to US as a student. She will be attending the residential treatment center. She is a Canadian citizen. I was looking for a plan that would cover her for mental health. She has behavioral problems. Can you suggest me something that covers her condition?
Thanks,
Marie McCloskey

questionDear Marie,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!.
We have spoken to the IMG and HCCMIS plan administrators regarding the student plan that you need that will cover mental illness and your specific case.
The condition that your daughter has will be treated as pre existing and will have certain waiting period to be covered by the insurance. If she has any injury due to this it totally depends on the medical records that gets submitted to the insurance company.
IMG has a plan called Student Health Advantage. This plan has a 12 month waiting period to cover the illness.
The HCCMIS student plans do cover this condition as pre existing with a waiting period of 6 months but these plans are eligible only for students on F1 Visa.
You are eligible to purchase the Atlas plan from HCCMIS but this will not have coverage for the mental health.
Below are the links for the Student Health Advantage and the Atlas plan if you are interested:
Student Health Advantage:
Student Health Advantage
You can buy the Student Health Advantage Insurance plan online by reviewing the plan details.
Atlas America: You can buy the Atlas America insurance policy online. Please let us know if we can help you in regarding to the Atlas America insurance plan details.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
I have an F1 visa and my husband and baby have an F2. Im gonna be in classes 20 hours a week And i Was wondering If i Meet The requirements for a student insurance.
Regards,
Maria Fernanda Gutierrez

questionDear Maria,
The visa status is important. If you are on F1 Visa, you qualify for most of our below plans:
Student medical insurance plans.
Along with the F1 visa status, some plans insist that you are enrolled for a certain number of credits to be eligible. Please go to our student compare engine and enter your details and view the policies. You can get all relevant details from the policy brochure which is available from our compare engine.
Please give us a call at 877-340-7910 or email us at info@americanvisitorinsurance.com in case of questions.
Please feel free to contact us if you need any additional information.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionMy son is coming to Atlanta, Georgia, from Canada to take part in a Basketball coaching camp and a tournament. Do you have an insurance to cover him for this?
Best Regards,
Marty

questionDear Marty,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!. You can purchase the below plan:
Student Health Advantage insurance.
Student Health Advantage
This plan provides coverage for intercollegiate/interscholastic/intramural or club sports .
You can also buy the Student Health Advantage Insurance plan online by perusing the Student Health Advantage Insurance brochure. Please let us know if we can help you regarding the coverage details of the Student Health Advantage Insurance.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
I took out a medical insurance policy on behalf of my daughter online on 3 June 2013 - payment taken from my MasterCard on 5 Jun 2013. We requested online fulfillment and downloaded a copy of the policy summary but we have not received the promised email. It is possible that we may have entered the wrong email address online.
Could you please send a copy of the email confirmation/policy details to this email address by return?
Thanks,
Robert

questionDear Robert,
We are so sorry for the missing email. You can access all the documents using the "Client Zone" provided by the insurance company. Go to the website below:
TokioMarine HCCMIS ID Card
Enter the policy number (include the letter "A") and the date of birth of the insured. You will get a list of all the documents available for the policy. All she needs to carry with her is the ID card which will have all the relevant information in a small, easy-to-carry format.
You can update the address and email by creating a password and entering the changes. There are instructions to do this after you log in.
If you have any issues accessing the information, we can also access it, but we will need your daughter's date of birth.
Do let us know if we can be of further assistance.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
I am a medical student from Nigeria and i am preparing for an elective programme in the US. How do i get the cheapest international student insurance package?

questionHello,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!. Simply use our student medical insurance compare engine. You must make sure that you choose a plan to meet your institution’s requirements. Our staff can help you make a good choice. However, you still have an extra hurdle since you are from Nigeria. Unfortunately, due to the high amount of fraud from your country, many companies won’t accept online applications from Nigerian citizens. If your country is not on the list of their online application, you can still submit a paper application (by mail or fax) for the insurance that will work for you. The paper applications can be usually be found at the end of the brochure. To use our Student Medical Insurance Compare Engine click the below link:
Students Medical Insurance Compare

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionDear customer support,,
I am an international student coming to the US. Please recommend affordable plans for me.
Thanks you,
Amyra

questionDear Amyra,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs!. The Patriot Exchange insurance plan offered by International Medical Group (IMG) provides comprehensive insurance for international students (F1 visa) and J1 visa scholars in the USA. It satisfies J1 visa and most US university requirements and is hugely popular. For a policy max of 50,000 and 100 deductible (please note that the deductible is PER INJURY/SICKNESS), your total premium for one month is 223.98. This plan is renewable for up 48 months.

Patriot Exchange
You can also buy the Patriot Exchange Insurance plan online by perusing the Patriot Exchange insurance brochure. Please let us know if we can help you with any information regarding Patriot Exchange insurance plan details.

Another excellent comprehensive plan is the Atlas American by Tokio Marine HCC.. And for a policy max of 50,000 and 100 deductible (your deductible for this plan is PER POLICY PERIOD), your total premium for a month is 273.42.This policy can be renewed up to 1 year.
You can get all information about Atlas insurance, see the brochure, search the PPO network and buy the policy in the website.
This policy is very popular with international travelers and has many excellent features. In particular, their coverage of "acute onset" of pre-existing conditions up to $100,000 or the maximum of the plan (whichever is smaller) for medical expenses and an additional $25,000 for emergency medical evacuation can put your mind at ease.
Feel free to call or email us with any questions or comments you may have.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionDear customer support,,
Do you offer group international student health and accident policies for colleges in the U.S?
Thanks,
Steve

questionDear Steve,
Thank you for contacting us at American Visitor Insurance for your Students health insurance needs! Here are some options for your international students:

Patriot Exchange Group administered by International Medical Group (IMG) This is a student policy with a $100 deductible per injury/sickness. The student would only pay the deductible and nothing after that (unless there is another sickness or injury). Also, if a student can use a college health center, they only pay a $5 copay (no deductible). These are great advantages to the plan. The plan is only for sudden illness and accident and will not cover collegiate sports involvement (recreational activities are OK). No mental health or maternity coverage. There are several maximum options: $50,000, $250,000 and $500,000. The approximate costs by age and maximum per month are as follows:

18-24 25-49
$50,000 $46 $58
$250,000 $58 $71
$500,000 $61 $88

Patriot Travel Group policy is a visitor policy also administered by IMG (not just for students). The student pays a one time deductible. After that, they pay a 10 or 20% coinsurance amount up to $5000. It is 10% if they are within the PPO network and 20% if they are outside the network. There is no coverage for collegiate sports (recreational activities are OK). No mental health or maternity coverage. This policy has many deductible options from $0 to $2,500. I will only list a $100 deductible option here to compare with the other policies I am presenting. Here are approximate costs by age and maximum:

18-29 30-39
$50,000 $37 $39
$100,000 $46 $62
$500,000 $59 $77
$1 million $71 $91

Student Health Advantage is a more complete student plan. It covers up to $5,000 for collegiate sports, as well as mental health and maternity coverage. This policy is only available with a $100 deductible per injury/sickness and a $500,000 maximum. It also has a $5 copay if used at a student health center. The student, if outside the health center, will pay the deductible plus 20% of the next $5,000 in coinsurance if they are outside the company network. It will cost $85 per month for a student age 19-23 and $98 for a student ages 24-30.

I researched some other companies, but the costs were higher and I have had very good experience with this company and putting groups together. I'm not sure how you bill students, but it may be that we can sign up a batch for fall semester and then a second batch in the spring (to eliminate double payment for those graduating). I will have to talk to my contact about removing students. Usually, once the policy starts they charge a fee for cancellation, but I can see what we can do for you there.

Here is a link to the company's PPO network in case you want to see coverage in your area: imglobal ppo network

Let me know which option you are most interested in and I can contact the company to get more details on how we can handle cancellations. Last minute additions should not be an issue.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019

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  1. Visitors Insurance Forum
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    2. US citizens visiting USA
    3. US citizens travelling outside USA
    4. Pre Existing Conditions
    5. Coverage for Australians
    6. Senior Citizens
    7. Family
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    12. How an insurance plan works?
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  2. Student Insurance Forum
    1. Student Secure Insurance
    2. Study USA Insurance
    3. Patriot Exchange
    4. Student Health Advantage
    5. OPT Insurance
    6. F2 Visa Insurance
  3. Adventure Sports Coverage
    1. Motorcross Coverage
  4. J1 Visa Insurance Forum
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    2. Study USA Insurance
    3. Patriot Exchange
    4. Family
    5. Maternity
    6. Evacuation-Repatriation Insurance
    7. University Insurance
  5. H1/H4 Visa Insurance Forum
  6. K1 Visa Insurance Forum
  7. International Health Insurance Forum
  8. Green Card Holders
  9. Schengen Visa Insurance Forum
  10. Insurance Cancellation Forum
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    2. Coverage
    3. Renewal
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