IMG International Student Insurance Plans

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IMG Global student health insurance

IMG International Student health insurance plans provides coverage for international students studying in the U.S. is available to students on an F1 visa and meets J1 visa requirements. Students from the U.S. studying abroad can also stay protected in Schengen visa countries and beyond with an IMG plan.

Long and short-term student health plans from IMG are great for:
  • Individuals and groups participating in international student programs
  • Cultural exchange participants and International graduate students
  • Scholars and educators and dependents of those participating in international study programs.

Why Choose IMG Student Insurance?

Stay protected during your studies abroad with IMG Student Health Insurance plans. Whether you're a student, scholar, or cultural exchange participant, IMG offers flexible and affordable international student insurance options that meet U.S. visa requirements (including F-1 and J-1).

  • Meets Visa Requirements: Fully compliant with F-1, M-1, and J-1 visa health insurance mandates
  • Comprehensive Benefits: Covers doctor visits, hospitalization, prescription drugs, mental health, and more
  • Emergency Services: Includes emergency medical evacuation and repatriation of remains
  • Worldwide Coverage: Choose plans with U.S. only or global protection
  • 24/7 Assistance: Multilingual support for claims, emergencies, and provider networks

IMG popular student health insurance plans for international students

Patriot Exchange Insurance
Patriot Exchange
  • This is a comprehensive plan.
  • Adventure Sports rider option available.
  • Affordable plan meets J and F visa requirements.
  • Covers Pre-existing conditions after 12 months of waiting period.
  • Medical insurance for international students and exchange program participants.
assignmentPLAN DETAILS picture_as_pdfBROCHURE
  • local_hospital

    Provider Network
    United Healthcare Provider Network

  • request_quote

    Policy maximum
    $5,000,000

  • calendar_month

    Period of Coverage
    Up to 12 months

  • shopping_cartBuy Now
Student Health Advantage Standard Insurance
Student Health Advantage Standard
  • This is a comprehensive plan.
  • This plan is renewable for a maximum of 5 years.
  • Intercollegiate/interscholastic/intramural or club sports coverage
  • Covers pre-existing conditions after a waiting period of 12 months.
  • Meets U.S. student, scholar, and cultural exchange program visa requirements
assignmentPLAN DETAILS picture_as_pdfBROCHURE
  • local_hospital

    Provider Network
    United Healthcare Provider Network

  • request_quote

    Policy maximum
    Up to $500,000

  • calendar_month

    Period of Coverage
    5 days to 364 days

  • shopping_cartBuy Now
Student Health Advantage Platinum
Student Health Advantage Platinum
  • This is a comprehensive plan.
  • Provides coverage for maternity.
  • It provides coverage for mental health, organized sports
  • Covers pre-existing conditions after a waiting period of 6 months.
  • Offers coverage for adventure sports and other sports activities.
assignmentPLAN DETAILS picture_as_pdfBROCHURE
  • local_hospital

    Provider Network
    United Healthcare Provider Network

  • request_quote

    Policy maximum
    Up to $1,000,000

  • calendar_month

    Period of Coverage
    5 days to 12 months

  • shopping_cartBuy Now
Student Journey Lite
Student Journey Lite
  • This is a comprehensive plan.
  • Covers pre-existing condition after 6 months waiting period.
  • Optional coverage available for Adventure Sports.
  • Option to extend coverage to include spouses and children.
  • Includes emergency care and support benefits.
assignmentPLAN DETAILS picture_as_pdfBROCHURE
  • local_hospital

    Provider Network
    United Healthcare Provider Network

  • request_quote

    Policy maximum
    Up to $150,000

  • calendar_month

    Period of Coverage
    30 days to 12 months

  • shopping_cartBuy Now
Student Journey Lite
Student Journey Plus
  • Includes emergency care and support benefits.
  • Available for purchase for a period of up to 12 months.
  • Optional Adventure Sports coverage
  • Option to extend coverage to include spouses and children.
  • Covers pre-existing condition after 6 months waiting period.
assignmentPLAN DETAILS picture_as_pdfBROCHURE
  • local_hospital

    Provider Network
    United Healthcare Provider Network

  • request_quote

    Policy maximum
    Up to $300,000

  • calendar_month

    Period of Coverage
    30 days to 12 months

  • shopping_cartBuy Now
Student Journey Lite
Student Journey Platinum
  • Includes emergency care and support benefits.
  • Available for purchase for a period of up to 12 months.
  • Optional Adventure Sports coverage
  • Option to extend coverage to include spouses and children.
  • Covers pre-existing condition after 6 months waiting period.
assignmentPLAN DETAILS picture_as_pdfBROCHURE
  • local_hospital

    Provider Network
    United Healthcare Provider Network

  • request_quote

    Policy maximum
    Up to $500,000

  • calendar_month

    Period of Coverage
    30 days to 12 months

  • shopping_cartBuy Now

What are the keybenefits of choosing IMG international student health insurance?

IMG International student insurance plans offer variety of features specifically designed for international students studying abroad:

  • Coverage for doctor visits, hospitalization, as well as prescription medications.
  • IMG Emergency medical assistance with 24/7 multi-language support
  • Coverage of mental health of students who may need extra emotional support during their transition.
  • Access to a large provider network like UnitedHealthcare so students receive the quality medical care
  • Having student health insurance, international students can focus on their education without the added stress of unexpected medical expenses.

Quick Comparison of IMG student insurance

The IMG international student health insurance cost ranges from $30 to $353 per month. The price depends on the factors such as student's age, coverage duration, medical benefits, deductible, and co-insurance.

FEATURES & BENEFITS Student Journey Lite Student Journey Plus Patriot Exchange Student Journey Platinum Student Health Advantage Standard Student Health Advantage Platinum
Cost* $30 $48 $56 $74 $118 $353
Overall Maximum $400,000 Unlimited $50,000 Unlimited $500,000 $1,000,000
Pre-existing Condition Covered after 6 months Covered after 6 months Covered after 12 months Covered after 6 months Covered after 12 months Covered after 6 months
Emergency local ambulance Up to $400 100% covered Up to the maximum limit 100% covered Up to $350 Up to $350
Sports Coverage Optional Adventure Sports coverage Optional Adventure Sports coverage Adventure Sports rider option available Optional Adventure Sports coverage Covers intercollegiate, interscholastic activities Covers intercollegiate, interscholastic activities
*The cost of IMG Student insurance per month for an international student aged 20 years

What are the factors determining the cost of IMG student insurance?

The international student health insurance cost varies based on the plan you choose, your age, coverage duration, destination country, and the level of benefits required. Basic plans are more affordable and offer essential coverage, while comprehensive plans with added features like maternity or pre-existing condition coverage may cost more. By selecting the right plan that matches your needs and budget, you can stay protected without overpaying.

  • Age of the Student: Older students are statistically more likely to need medical care, so premiums rise with age. Younger students (under 25) generally receive lower rates, while students in higher age brackets may pay significantly more
  • Duration of Coverage Insurance is usually billed on a monthly basis, so longer study programs lead to higher total costs. Students can choose the number of months they want coverage based on their visa and academic requirements.
  • Type and Level of Coverage : Plans range from basic emergency coverage to comprehensive health insurance that includes:
    1. Maternity care
    2. Pre-existing condition coverage
    3. Mental health services
    4. Wellness benefits

    (More inclusive plans come with higher premiums.)

  • Coverage Region : The geographic location where coverage is required can affect the cost.
    For example : Studying in the U.S. is generally more expensive to insure than in many European or Asian countries. Some plans include or exclude coverage in high-cost medical regions, which can adjust the price
  • Deductibles and Co-Insurance : Lower deductibles mean less out-of-pocket cost when seeking treatment but also higher monthly premiums. Students can reduce insurance premiums by selecting higher deductibles if they want to save upfront.
  • Additional Benefits and Riders :
    • Sports injury coverage
    • Personal liability insurance
    • Trip interruption/cancellation
    • Emergency reunion or evacuation
  • Visa Requirements : Students on F1 or J1 visas are required to meet specific health insurance minimums (e.g., emergency evacuation and repatriation). Plans designed to meet these standards might be priced accordingly, especially if compliant with U.S. Department of State regulations.

What is the cheapest IMG health insurance for international students on F1 visa in the USA?

The cheapest student health insurance for F1 visa in USA is Student Journey Lite insurance plan by IMG, starting at just $30 per month.

IMG Patriot Exchange vs Student Health Advantage Insurance

An article comparing the benefits of International Medical Group's popular student insurance plans namely Patriot Exchange and Student Health Advantage plan.
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A comparison table to review the plans benefits of Patriot Exchange and Student Health Advantage and select a plan that best satisfies your needs.
balance Compare Now

What are the benefits of IMG student health insurance?

  • Student Medical Coverage for Accidents or Illnesses: Your school often requires students to buy a plan that includes a minimum amount of medical coverage for accidents or illnesses.
  • Emergency Medical Evacuation: Coverage for an emergency medical evacuation to the nearest qualified medical facility, expenses for transportation resulting from the evacuation, and the cost of returning the student to either their home country or the country where the evacuation occurred.
  • Repatriation and Return of Mortal Remains: In the unfortunate event that a student dies as a result of a covered illness or injury while outside of their home country, this benefit can cover expenses for transporting the remains back home.

Do I need international student health insurance?

Yes, having international student insurance is very important. These are the main reasons to buy the best international student insurance.

  • University Requirements: Most universities and colleges in the US insist that international students and study abroad students buy a minimum level of student medical coverage for their study period.
  • Country Requirements: USA and other host countries may insist on insurance for international students, so it's important to verify your visa requirements before buying student insurance coverage.
  • Coverage Limitations: When living or traveling abroad for extended periods, you won't be covered by either public or private health plans in your home country, and you may not have access to the national health insurance program in your destination country.
  • Minimum Medical Coverage: Your school and host country often require students to purchase a plan that includes a minimum amount of medical coverage for accidents or illnesses.

IMG student insurance, IMG college student medical insurance - FAQs

1.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.

2.Can international students get health insurance?

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.

3.Can international students get medicare?

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.

4.What is international student health insurance?

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.

5.What is the best health insurance for international students? What is the best insurance for international students?

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.

6.Is there health insurance for college 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.

7.Does college offer health insurance?

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.

8.Does Patriot Exchange and Student Health Advantage insurance cover Covid ? Does Patriot Exchange and Student Health Advantage insurance cover Coronavirus ?

Patriot Exchange and Student Health Advantage Coronavirus coverage includes eligible medical expenses resulting from COVID-19 up to the medical maximum..

9.How much does health insurance cost for a college student?

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.

10.Why should international students compare health insurance?

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.

How can i buy
IMG medical student travel insurance

search Step 1: Finding the available IMG medical student travel insurance plans

Complete the travel insurance quote request form by providing details of the traveler and insurance requirements.

balance Step 2: Compare the different travel insurance options for students IMG

Compare college student insurance plans for the price and the benefits of the different travel insurance options to identify what fits your needs best for

attach_money Step 3: Buy the travel insurance that you like best from students IMG

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

description Step 4: Review the students IMG visitors insurance plan documents received by email

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

Step by step travel insurance

Resourceful links for IMG Student Insurance

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IMG Student Insurance FAQ
Frequently asked questions and answer about travel insurance plans.

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IMG Student insurance blog
Blog about the International Medical Group (IMG) Insurance plans.

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Patriot Exchange forum
Customer queries about IMG Patriot Exchange insurance plan.

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