IMG International Student Insurance
IMG Student Health Insurance plans start at just $1 per day and provide affordable, comprehensive medical coverage for international students studying in the U.S. on F-1 and M-1 visas while meeting J-1 visa health insurance requirements. Compare Student Journey, Student Health Advantage and Patriot Exchange plans to find the best coverage for your budget, visa type, and healthcare needs.
What best describes your situation?
| Plan | Policy Max | Coverage Period | Pre-existing | From |
|---|
Student Journey Lite is the most affordable plan in the IMG student lineup, while still including emergency evacuation and repatriation benefits - a solid essential-coverage option for F-1/M-1 students.
A modest step up in monthly cost for unlimited policy coverage instead of a $150,000 cap.
A general comparison point outside the Exchange category - confirm it meets your program's specific J-visa requirement before choosing it over Patriot Exchange.
Patriot Exchange Program is built specifically to meet U.S. Department of State insurance requirements for J-1/J-2 exchange visitors, with a selectable policy maximum from $50,000 up to $500,000.
For a multi-year degree program, Student Health Advantage Standard is built for exactly this - renewable for up to 5 years without switching plans each year, and it includes intercollegiate, interscholastic, and club sports coverage rather than treating it as an add-on.
For the highest coverage available in this lineup, Student Health Advantage Platinum tops out at $1,000,000, with a 6-month pre-existing condition wait, maternity benefits, and team sports included.
Student Journey Lite is the most affordable plan in the IMG student lineup, while still including emergency evacuation and repatriation benefits - a solid essential-coverage option for F-1/M-1 students.
A modest step up in monthly cost for unlimited policy coverage instead of a $150,000 cap.
Patriot Exchange Program is built specifically to meet U.S. Department of State insurance requirements for J-1/J-2 exchange visitors, with a selectable policy maximum from $50,000 up to $500,000.
A general comparison point outside the Exchange category - confirm it meets your program's specific J-visa requirement before choosing it over Patriot Exchange.
For a multi-year degree program, Student Health Advantage Standard is built for exactly this - renewable for up to 5 years without switching plans each year, and it includes intercollegiate, interscholastic, and club sports coverage rather than treating it as an add-on.
Steps up to a $1,000,000 policy maximum and a shorter 6-month pre-existing condition wait, if budget allows.
Student Health Advantage Standard directly covers intercollegiate, interscholastic, and club sports. The Student Journey series only offers an optional rider for individual adventure sports, not school team sports - an important distinction if you're on a team.
A lower-cost option if what you actually need is general activity coverage rather than school team-sports coverage specifically.
Steps up to the highest coverage limit and a shorter pre-existing condition wait, if budget allows.
Maternity coverage narrows the field significantly. Student Health Advantage Platinum includes maternity benefits alongside the highest policy maximum in this lineup ($1,000,000) and a shorter 6-month pre-existing condition wait.
Also noted as including maternity benefits per IMG's plan FAQ - worth comparing if a lower monthly cost matters more than the $1,000,000 maximum.
Student Journey Plus is the most popular middle ground - unlimited policy coverage with just a 6-month pre-existing condition wait, at a moderate monthly cost, without the added expense of the Health Advantage tier.
A lower-cost alternative if the budget needs to come down further.
Worth considering instead if the program could extend into a multi-year stay.
For the highest coverage available in this lineup, Student Health Advantage Platinum tops out at $1,000,000, with a 6-month pre-existing condition wait, maternity benefits, and team sports included.
A lower-cost alternative with unlimited evacuation/repatriation and a $500,000 maximum, if a full year-long renewable plan isn't needed.
Which IMG Student Insurance Is Right for You?
Choose the IMG Student Health Insurance plan that best matches your needs, or scroll down to compare all international student health insurance plans.
- Looking for the lowest-cost international student health insurance? - Student Journey Lite Affordable F-1 student insurance with essential medical coverage.
- Studying on a J-1 or J-2 visa? - Patriot Exchange Program Designed to meet J-1 visa health insurance requirements for exchange visitors, scholars, and cultural exchange participants. Most Popular
- Need renewable health insurance for a multi-year degree program? - Student Health Advantage Flexible IMG student health insurance with renewable coverage for long-term F-1 students.
- Need maternity coverage while studying in the USA? - Student Health Advantage Platinum Comprehensive international student medical insurance with maternity and enhanced medical benefits.
- Looking for premium international student health insurance? - Student Journey Platinum Higher coverage limits, lower out-of-pocket costs, and comprehensive medical benefits.
- Need broader coverage for an active student lifestyle? - Student Journey Plus Comprehensive IMG Student Insurance with enhanced benefits, including coverage for eligible sports-related injuries.
IMG Global Student Health Insurance
IMG Global Student Health Insurance offers comprehensive medical coverage for international students studying in the United States. Designed for F-1 visa students, J-1 exchange visitors, scholars, and cultural exchange participants, IMG student health insurance plans provide affordable, flexible coverage that meets J-1 visa insurance requirements and is suitable for many F1 and M1 students. IMG also offers coverage for U.S. students studying abroad, including those traveling to Schengen countries and other international destinations.
Whether you need an affordable short-term student insurance plan or a renewable long-term health insurance policy, IMG offers flexible coverage options to help protect your health throughout your academic journey.
Who Can Buy IMG Student Health Insurance?
IMG international student health insurance plans are ideal for:
Cultural exchange program participants.
Scholars, researchers, and educators.
Accompanying international students or exchange visitors.
Including those traveling to Europe, Schengen countries, and other destinations.
Participating in international education and study abroad programs.
Why Choose IMG Student Health Insurance?
IMG Student Health Insurance offers flexible, affordable, and comprehensive medical coverage for international students, scholars, and exchange visitors studying in the U.S. Whether you're on an F-1, M-1, or J-1 visa, IMG provides plans that meet visa requirements while offering access to quality healthcare throughout your studies.
Comprehensive Medical Coverage
Covers doctor visits, hospitalization, surgery, emergency care, prescription medications, diagnostic tests, mental health services, and more (plan dependent).
Access one of the largest PPO provider networks in the U.S. for quality healthcare and lower out-of-pocket costs.
Sports Coverage
Selected plans include intercollegiate, interscholastic, and club sports coverage with an optional Adventure Sports Rider available for eligible plans.
Student Health Advantage Platinum and Student Journey Insurance include maternity coverage, making them an excellent choice for students who need additional protection.
Emergency Medical Evacuation & Repatriation
Every plan includes emergency medical evacuation and repatriation of remains for added peace of mind.
Flexible Coverage Options
Choose from affordable short-term plans, renewable coverage for up to 5 years, and policy maximums of up to $1,000,000.
Coverage for Students & Dependents
Available for international students, exchange visitors, scholars, educators, and eligible spouses and dependent children.
24/7 Multilingual Assistance
Get round-the-clock support for emergencies, claims, provider searches, and policy assistance.
Applies to most IMG student health insurance plans available on American Visitor Insurance.
Which Is the Cheapest Health Insurance for International Students from IMG?
The cheapest health insurance for international students from IMG is Student Journey Lite. Designed for budget-conscious students, it provides reliable medical coverage while studying in the U.S.
- check_circle Policy Maximum: Up to $150,000 per injury/illness
- check_circle Deductible Options: $100, $250, $500, or $1,000 per policy period
- check_circle Coverage Period: 30 days to 12 months
- check_circle Pre-existing Conditions: Covered after a 6-month waiting period
- check_circle Provider Network: UnitedHealthcare PPO
- check_circle Emergency Medical Evacuation: Up to $60,000
- check_circle Repatriation of Remains: 100% up to $50,000
- check_circle Adventure Sports: Optional Adventure Sports Rider available
Which Is the Best IMG Health Insurance for International Students?
The best health insurance for international students from IMG is Student Journey Platinum. It offers the highest level of coverage in the Student Journey series, making it an excellent choice for students who want comprehensive medical protection while studying in the U.S. Other IMG international student health insurance include Patriot Exchange Program for J-1 exchange visitors, Student Health Advantage Standard and Student Health Advantage Platinum for students seeking renewable long-term coverage.
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.
| Plan Name | Coverage | Pre-existing | Ambulance | Sports Coverage | Cost* |
|---|---|---|---|---|---|
| Student Journey Lite | $400,000 | After 6 months | Up to $400 | Optional | $30 |
| Student Journey Plus | Unlimited | Covered after 6 months | 100% covered | Optional | $48 |
| Patriot Exchange | $50,000 | Covered after 12 months | Up to the maximum limit | Adventure Sports rider option available | $56 |
| Student Journey Platinum | Unlimited | Covered after 6 months | 100% covered | Optional Adventure Sports coverage | $74 |
| Student Health Advantage Standard | $500,000 | Covered after 12 months | Up to $350 | Covers intercollegiate, interscholastic activities | $118 |
| Student Health Advantage Platinum | $1,000,000 | Covered after 6 months | Up to $350 | Covers intercollegiate, interscholastic activities | $353 |
*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.
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
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.
Plans range from basic emergency coverage to comprehensive health insurance that includes:
- Maternity care
- Pre-existing condition coverage
- Mental health services
- Wellness benefits
(More inclusive plans come with higher premiums.)
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
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.
- Sports injury coverage
- Personal liability insurance
- Trip interruption/cancellation
- Emergency reunion or evacuation
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.
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.
Why Should International Students Compare Health Insurance?
Not all international student health insurance plans offer the same level of coverage. Comparing plans helps you find the best balance of cost, benefits, and visa compliance while ensuring you have the medical protection you need throughout your studies in the U.S. By reviewing plan features side by side, you can choose coverage that matches your budget, university requirements, and healthcare needs.
Key Factors to Compare- Policy Maximum: Choose a plan with sufficient coverage for unexpected illnesses, injuries, and major medical emergencies. IMG student plans offer policy maximums ranging from $50,000 to $1,000,000
- Deductible: Deductible options typically range from $0 to $2,500, depending on the plan. Higher deductibles generally result in lower premiums.
- Pre-existing Condition Coverage: Waiting periods vary by plan. Some IMG plans cover eligible pre-existing conditions after 6 months, while others require 12 months.
- Sports Coverage: If you participate in intercollegiate, interscholastic, club, or adventure sports, compare plans that include sports benefits or offer an optional Adventure Sports Rider.
- Maternity Benefits: Most student plans do not include maternity coverage. Student Health Advantage Platinum and Student Journey Insurance provides maternity benefits, making it a good choice for students who need this coverage.
- Mental Health Benefits: Compare coverage for mental health services, counseling, and substance abuse treatment, especially if required by your university.
- Provider Network: Look for access to a large PPO network, such as the UnitedHealthcare PPO, to reduce out-of-pocket healthcare costs.
- Coverage Period & Renewability: Compare short-term and renewable plans based on the length of your academic program. Some IMG plans are renewable for up to 5 years.
- Emergency Assistance: Ensure the plan includes emergency medical evacuation, repatriation of remains, and 24/7 multilingual assistance.
IMG College Student Medical Insurance - FAQs
Students should have proper insurance before anything emergency situation arises so that you do not find yourself in serious debt.
Why Buy IMG Student Health Insurance Through American Visitor Insurance?
Choosing the right IMG International Student Medical Insurance is important for international students, scholars, and exchange visitors studying in the U.S. American Visitor Insurance makes it easy to compare IMG plans and find the coverage that best fits your visa requirements, budget, and healthcare needs.
Why Buy IMG Student Health Insurance Through American Visitor Insurance?
- Compare IMG Student Insurance Plans Easily
Use the American Visitor Insurance comparison tool to compare Student Journey Lite, Plus, and Platinum, Patriot Exchange, and Student Health Advantage Standard and Platinum side by side. Compare policy maximums, deductibles, coverage periods, pre-existing condition coverage, maternity benefits, sports coverage, and premiums to choose the right plan.
- Trusted by International Students Worldwide
For over 20 years, American Visitor Insurance has helped thousands of F-1 students, J-1 exchange visitors, scholars, and international students find the right IMG student health insurance. Our team helps students understand their options and select coverage that meets their needs and budget, backed by real student insurance reviews.
- Affordable Plans With Transparent Pricing
Compare affordable IMG student health insurance plans with instant online quotes and no hidden fees. See our student medical insurance cost guide to find the right fit, whether you need basic student coverage or a comprehensive plan with higher policy limits and additional benefits.
- Expert Support for International Students
Our licensed insurance experts help you understand important features such as policy maximums, deductibles, pre-existing condition coverage, sports coverage, maternity benefits, renewability, and university insurance requirements, making it easier to choose the right IMG plan.
- Coverage Options for Every Student
Choose from plans designed for different student needs: budget-friendly coverage with Student Journey Lite, J-1 exchange visitor coverage with Patriot Exchange, renewable long-term coverage with Student Health Advantage Standard & Platinum, or comprehensive coverage with Student Journey Platinum.
- Access to the UnitedHealthcare PPO Network
All IMG student health insurance plans provide access to the UnitedHealthcare PPO provider network, giving students access to thousands of doctors, hospitals, and healthcare facilities throughout the United States.
- Licensed & Trusted U.S. Insurance Marketplace
American Visitor Insurance is a licensed U.S.-based insurance agency (NJ License #1181604), providing a secure and reliable way to compare and purchase IMG student health insurance online with instant policy confirmation.
It is a convenient, trusted, and student-friendly way to compare and purchase IMG student health insurance that fits your visa requirements, budget, and healthcare needs.