Optional Practical Training (OPT) Insurance Plan Forum

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

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What is the student's nationality?

Is the traveler looking for?

Does the traveler need Schengen Visa Insurance or Long term Europe Visa insurance?

What visa does the student have?

Sports coverage required?

Maternity coverage required?

Travel insurance with vacation cost coverage included?

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Optional Practical Training (OPT) Insurance Plan question and answers

questionHi,

Can I buy Visit USA plan for the stem OPT?
Thanks,
Monisha

questionDear Monisha,

Thanks for your inquiry!
Yes, this plan is available for those on OPT. Please see this page as well for your information:OPT Medical Insurance

Please let us know if you have any further questions

Regards,
www.americanvisitorinsurance.com
Customer care
+1 (877) 340 7910Reviewed and Updated : October 2020
questionHi,

I am an OPT student and I need a plan that can cover me. I need coverage for adventure sports. Please send me the one that satisfies both these conditions.
Best,
Rathna

questionDear Rathna,

Thank you for contacting American Visitor Insurance with your inquiry! Below is an excellent comprehensive plan called Visit USA from Travel Insurance Services. This plan does not have any restrictions with any state in US. This plan is suitable for OPT students as well. This plan has an optional benefit of covering adventurous and hazardous sports activity which makes it an excellent option for customers interested in hazardous sports. This plan provides coverage for motocross racing which is one of the highly requested activity for coverage. Please visit the below link and scroll down to the Visit USA healthcare plan which is the first option in the list of suggested plans and view all the hazardous sports activities listed:
To get quote and purchase this plan, please visit the below link:
Visit USA Plan Details Brochure Buy Now

If you are having trouble and getting an error message, try this link for your purchase: Alternate Buy Link

Feel free to contact us in case of questions over email or phone and we will be glad to assist you.

Regards,
www.americanvisitorinsurance.com
Customer care
+1 (877) 340 7910Reviewed & Updated : October2020
questionHi,
I just started my optional practical training (OPT) on my F1 visa here in the US. I have lost my university's coverage and was hoping to get insurance until July 1. What would be my best options?
Best,
Shabih

questionDear Shabih,

Thank you for contacting us at American Visitor Insurance for your F1 Visa Insurance needs!
You are eligible for any of our visitor policies unless you have already arrived in US and stayed in US for some time now.
Please visit our compare tool facility at the below link: Visitors Medical Compare Tool
By entering the required information in the above link, you will get quote for All the available policies. Feel free to contact us in case of any questions regarding the available plans.

If you have already been in US for some time now, then below are the plans that are best suitable for your situation.
Comprehensive Plans:
1. Atlas America from Worldtrips:

Atlas America   Plan Details Brochure Buy Now

Fixed Plans:
1.Inbound USA Choice from SEVEN CORNERS:

Inbound Immigrant Insurance   Plan Details Brochure Buy Now

Feel free to contact us in case of questions over email or phone and we will be glad to assist you.

Regards,
www.americanvisitorinsurance.com
Customer care
+1 (877) 340 7910Reviewed & Updated : October2020
questionHi,

I am an Iranian citizen and I have just graduated and am working with an opt visa in California. All of the insurance companies I've searched have banned Iranian citizens because of sanctions against my country. Do you know if there are any plans that do not discriminate based on nationality?
Thank you for your help.
Best,
Kiana

questionDear Kiana,

Thank you for contacting us at American Visitor Insurance for your US visitor health insurance needs! This is one of the few plans which will allow purchase by Iranian citizens. You should put your address in Iran as your "home country" address; but you can use a US billing address if you choose or need to.
It also has an excellent sports rider option that covers wide variety of adventure sports including collegiate sports, mountain climbing, skiing etc.
Diplomat America from Global Underwriters:

Diplomat America    Plan Details Brochure Buy Now

This is a comprehensive coverage plan. The plan pays co-insurance 80% of Covered Expenses up to $5,000 and 100% thereafter up to the selected policy maximum. This is a deductible per policy period plan. You can purchase a new plan once this one has expired, or you can purchase the Long Term policy (below) for a higher price which you can extend for up to 1 year
Please note that if you wish to be able to renew the policy, you must purchase the Diplomat LongTerm plan (must be purchased for at least 3 months the first time it is purchased):

Diplomat Longterm

Please feel free to let us know in case of any questions.

Regards,
www.americanvisitorinsurance.com
Customer care
+1 (877) 340 7910Reviewed & Updated : October 2020
questionHi,

I am on F1/ OPT visa in the US, living in Massachusetts.I need to buy health insurance coverage until my employer's insurance start date (so buying insurance coverage between February 4 and April 1 2014). Can you please let me know which plan meets the MCC requirements of the state and whether or not you provide the 1099HC form for tax filing?
Thanks!
Nancy

questionDear Nancy,

You can purchase the Atlas America Insurance plan offered by WorldTrips. They will provide the 1099 as you require.
You can get all information about Atlas insurance, see the brochure, search the PPO network and buy the policy at Atlas America Insurance.
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.

Atlas America Plan Details Brochure Buy Now

Feel free to contact us in case of any questions

Regards,
www.americanvisitorinsurance.com
Customer care
+1 (877) 340 7910Reviewed & Updated : October2020

International student insurance - FAQs

Do international students need health insurance? Do f1 students need health insurance?

Without doubt, all students should have health insurance while they are in the US. The US health care costs are the highest in the world and a minor injury or accident could set you back tens of thousands of dollars. Being healthy and taking care of yourself is, of course, highly recommended, but accidents happen to us all and when we least expect. Students should have proper insurance before anything emergency situation arises so that you do not find yourself in serious debt.

Yes, International students can definitely get student medical insurance, we offer many student insurance options on American Visitor Insurance. Quite often, the universities themselves offer student insurance, however this can be expensive. At student insurance plans that we offer are considerably more affordable than the University insurance plans, while providing similar coverage benefits. However, students should confirm if the University allows students to but insurance outside the University, and if they can get the required insurance waiver for this student insurance.

No. International students are not eligible for Medicare. Medicare is a US government program only available to US citizens or US permanent residents who have paid into the US system.

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 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.

US citizens are eligible to purchase health insurance plans through their state's health insurance marketplace. Non-US citizens can purchase visitor insurance plans. Those foreign students on the F or J visas qualify specifically for "student" health insurance plans which are often cheaper than visitor insurance. Students can compare student medical insurance plans and make an informed choice.

Most colleges offer group health insurance for their students. This may be required if the student does not have any other insurance. Check with your institution as to what is available. However the student insurance plans that are offered in American Visitor Insurance are usually cheaper than University insurance while offering similar coverage. Students can compare the coverage of the University insurance along with the plans on this website and make an informed decision.

There are different factors for buying best student insurance for USA students. While the best student insurance for USA varies from students to students, the following list can be considered the best student insurance for students to USA based on their popularity.

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.

Related Forum Entries

  1. Visitors Insurance Forum
    1. Travel Insurance
    2. US citizens visiting USA
    3. US citizens traveling outside USA
    4. US citizens visiting Australia
    5. Pre Existing Conditions
    6. Coverage for Australians
    7. Senior Citizens
    8. Family
    9. Maternity
    10. Atlas Travel Policy
    11. Puerto Ricans visiting mainland USA
    12. Patriot Travel Policy
    13. Liaison Travel Policy
    14. How an insurance plan works?
    15. FAQs Forum
  2. Student Insurance Forum
    1. Student Secure Insurance
    2. Study USA Insurance
    3. Patriot Exchange
    4. Student Health Advantage
    5. F1 Visa Insurance
    6. OPT Insurance
    7. F2 Visa Insurance
  3. Adventure Sports Coverage
    1. Motorcross Coverage
  4. J1 Visa Insurance Forum
    1. J2 Visa Insurance
    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. E2 Visa Insurance Forum
  8. International Health Insurance Forum
    1. Global Health Insurance
  9. Green Card Holders
  10. Schengen Visa Insurance Forum
  11. Insurance Cancellation Forum
  12. Insurance Clarification Forum
    1. Buying Insurance
    2. Coverage
    3. Renewal
    4. how to use insurance?
  13. Direct Billing & Claims Forum
  14. Safe Travel Forum
  15. Trip Cancellation insurance
  16. Trip protection insurance
  17. International travel insurance
Forum Entries x
  1. Visitors Insurance Forum
    1. Travel Insurance
    2. US citizens visiting USA
    3. US citizens travelling outside USA
    4. Pre Existing Conditions
    5. Coverage for Australians
    6. Senior Citizens
    7. Family
    8. Maternity
    9. Atlas Travel Policy
    10. Patriot Travel Policy
    11. Liaison Travel
    12. How an insurance plan works?
    13. FAQs Forum
  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
    1. J2 Visa Insurance
    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
  11. Insurance Clarification Forum
    1. Buying Insurance
    2. Coverage
    3. Renewal
  12. Direct Billing & Claims Forum
  13. Safe Travel Forum
  14. Visitor Insurance FAQs
  15. Visitor Insurance Blogs

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AmericanVisitorInsurance and/or its associates have tried to answer these frequently asked questions to the best of our knowledge. However we make no guarantee regarding the accuracy of our answers. The exact answers for some of the questions can change periodically as insurance companies change their plans/policies. AmericanVisitorInsurance is not liable for any problem resulting from the content on this FAQ. If you do not agree with the terms of this disclaimer, please do not use any information in this FAQ..
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