📌 What is Student Journey Medical Insurance?
IMG’s Student Journey international student health insurance is available for non-U.S. individuals coming to the USA (or its territories) on J1, F1, and M1 visas. International students planning to continue their education in the U.S. may be required to have health insurance in place before they can enroll or apply for a visa. Some U.S. universities mandate group health insurance plans, while others have specific benefit requirements but allow students to provide their own coverage.
IMG offers flexibility, ensuring you can access the right benefits at the right cost. The Student Journey Medical Insurance provides a comprehensive range of essential benefits designed to meet both the medical and budgetary needs of all students. Student Journey Insurance plan has three options:
- Student Journey Lite: $150,000 medical maximum
- Student Journey Plus: $300,000 medical maximum
- Student Journey Platinum: $500,000 medical maximum
⭐ Student Journey Insurance Reviews
🧾 How Much Is Student Journey Student Insurance Coverage?
The policy maximum amount of coverage is the cumulative total amount of Dollar amount benefit that is available by Student Journey Lite student insurance. Once reached, no other benefits will be available. Student Journey Platinum student insurance has policy maximum options of $150,000, $300,000 and $500,000.📉 What Is a Deductible in Student Journey Student Insurance?
The deductible is the Dollar amount that insured travelers need to pay for coverage before the Student Journey Lite student travel insurance actually starts to pay. Student Journey Platinum student insurance has deductible options of $100,$250 and $500.❓ What Are the Key Highlights of Student Journey Insurance?
- Chepest student insurance for J1, F1, and M1 visa holders.
- Meets U.S. and U.S. territories J1 visa requirements, as well as most university requirements for F1 and M1 visa holders
- Optional Adventure Sports coverage
- Includes emergency care and support benefits.
- Available for purchase for a period of up to 12 months.
- Option to extend coverage to include spouses and children.
- Telehealth services provide 24/7 access to a nationwide network of board-certified doctors in the U.S.
👤 Who Is Eligible for Student Journey Plan?
- Available for non-U.S. individual coming to the USA (or its territories) on J1,F1, and M1 visas
- Be at least 31 days old but not yet 65 year old.
- Be the spouse or child (eligible as dependants) of a participant and reside outside your primary country of residence for a temporary period of time.
- Be physically and legally residing in the USA with the intent to reside there for at least 30 days on the effective date
🔄 Can the Student Journey Insurance Be Extended or Renewed?
Eligible insureds can request coverage renewal 30 days to 12 months in advance, as long as premiums are paid and eligibility requirements are met. Coverage can be reapplied for, but not automatically renewed.
⚕️ What Are the Coverage Conditions Included in Student Journey Insurance?
- Coverage and benefits are subject to the deductible and coinsurance, and all terms of the Certificate of Insurance and Master Policy
- Coverage under this plan is secondary to any other coverage
- Coverage and benefits are for medically necessary, usual, reasonable, and customary charges only
- Charges must be administered or ordered by a physician
- Charges must be incurred during the period of coverage or benefit period
- Claims must be presented to IMG for payment within ninety (90) days from the date the claim was incurred.
💰 How Much Does Student Journey Insurance Cost per Month?
The Student Journey insurance cost per month is starting at just $30 to $293 and the cost depends on:
- Student age
- Selected policy maximum
- Deductible amount
- Studet Journey Lite offers medical maximum of $150,000 with $100 dedutible.
- Studet Journey Plus offers medical maximum $300,000 with $500 dedutible.
- Studet Journey Platinum offers medical maximum $500,000 with deductible $250 up to ages 64.
Example: Below is the monthly cost of Student Journey insurance of coverage with a $100 deductible, provided by American Visitor Insurance.
✅ What Are the Benefits of Different IMG Student Journey Insurance Plans?
-
Student Journey Lite
Student Journey Plus
Student Journey Platinum
Maximum Limit $400,000 Unlimited Unlimited Per Illness or Injury limit $150,000 $300,000 $500,000 Deductible $100 per injury or illness $500 per period of coverage In network /$750 out of network $250 per period of coverage In network/$400 out of network Student Health Center Deductible/Copay $45 $25 $15 Eligible Medical Expenses help In-Network: 80% up to policy maximum
Out-Network: 60% up to policy maximumcovers 100% of eligible medical expenses In-Network: 80% up to policy maximum
Out-Network: 60% up to policy maximumPhysician Visits help $40 copay Specialist $50 copay $50 per visit, 1 visit per day, 30 days max $15 copay Specialist $50 copay Urgent Care Clinic help $50 copay
80% In-Network / 60% Out-of-NetworkCovers up to 100% $50 copay
80% In-Network / 60% Out-of-NetworkWalk-In Clinic help In-Network: 80% up to policy maximum
Out-Network: 60% up to policy maximumcovers 100% of eligible medical expenses In-Network: 80% up to policy maximum
Out-Network: 60% up to policy maximumHospital emergency room help $350 illness deductible if not admitted $350 illness deductible if not admitted $300 illness deductible if not admitted Hospital room and board help $350 deductible per confinement $1,000 per day, 30 days max $350 deductible per confinement Intensive care unit help 80% In-Network / 60% Out-of-Network $1,525 per day, 8 days max 80% In-Network / 60% Out-of-Network Hospital Miscellaneous Expenses 80% In-Network / 60% Out-of-Network $500 per day, 30 days max 80% In-Network / 60% Out-of-Network Scheduled Outpatient or Day Surgery 80% In-Network / 60% Out-of-Network $1,000 max 80% In-Network / 60% Out-of-Network Chemotherapy / Radiation Therapy help In-Network: 80% up to policy maximum
Out-Network: 60% up to policy maximum$1,000 max Inpatient and Outpatient combined In-Network: 80% up to policy maximum
Out-Network: 60% up to policy maximumPre-Admission Testing In-Network: 80% up to policy maximum
Out-Network: 60% up to policy maximum$900 max In-Network: 80% up to policy maximum
Out-Network: 60% up to policy maximumAssistant Surgeon help 25% of Surgeon's payable benefit
(20% of primary surgeon’s eligible fee)Anesthesia help 100% 100% 100% Durable Medical Equipment help In-Network: 80% up to policy maximum
Out-Network: 60% up to policy maximum$1,000 max Inpatient and Outpatient combined In-Network: 80% up to policy maximum
Out-Network: 60% up to policy maximumChiropractic Care help Included (medical order or treatment plan required) Included (medical order or treatment plan required) Included (medical order or treatment plan required) Physical Therapy help $30 copay per visit, 1 visit per day, 12 visit max Outpatient $35 per visit, 1 visit per day, 12 visit max $30 copay per visit, 1 visit per day, 12 visit max Maternity & Newborn Care Maternity: $5,000 normal delivery $7,500 for c-section delivery
Newborn: $500 maximumMaternity: $5,000 normal delivery $7,500 for c-section delivery
Newborn: $500 maximumMaternity: $5,000 normal delivery $7,500 for c-section delivery
Newborn: $500 maximumTraumatic Dental Injury help 80% In-Network / 60% Out-of-Network 100% 100% Dental Treatment $500 max (unexpected pain or non-emergent accidents only) $500 max (unexpected pain or non-emergent accidents only) $500 max (unexpected pain or non-emergent accidents only) Child Preventive Care Not Available Not Available $200 max Mental/Nervous help Outpatient: 50 copay up to $150 per session
Inpatient: 80% In-Network / 60% Out-of-NetworkOutpatient: 80% up to 40 visits or $5,000 max per policy period
Inpatient: 80% up to 30 days maxOutpatient: 50 copay up to $150 per session
Inpatient: 80% In-Network / 60% Out-of-Network -
Student Journey Lite
Student Journey Plus
Student Journey Platinum
Emergency medical evacuation help Up to $120,000 Up to $60,000 Up to Unlimited Return of mortal remains or cremation/burial help $60,000 max with $5,000 max for cremation/burial $50,000 max with $5,000 max for cremation/burial Unlimited with $5,000 max for cremation/burial Emergency local ambulance help Up to 100% Interfacility Ambulance Transfer help Up to 100% Up to $400 Up to 100% Repatriation for Medical Treatment help $50,000 $25,000 $50,000 -
Student Journey Lite
Student Journey Plus
Student Journey Platinum
Accidental Death & Dismemberment help Principal Sum Maximum: $10,000
Death must occur within 90 days of the Accident -
Student Journey Lite
Student Journey Plus
Student Journey Platinum
Pre-Existing Conditions help Covered after 6 months of waiting period
➕ What Are the Optional Benefits of Student Journey Student Medical Insurance?
The Student can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
Student Journey Insurance Adventure Sports Rider- Available for those up to the age of 65 years.
- Activities Covered upto lifetime maximum: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking, whitewater kayaking or whitewater rafting in water less than Class V difficulty, wildlife safaris, and windsurfing
- Each and every activities are carried out in strict adherence with the instruction, best practices, and recommendations for safe practices as prescribed by a Governing Body or Authority.
| Age | Maximum limit |
|---|---|
| 0-49 years | $50,000 Maximum Limit per Injury or Illness |
| 50-59 years | $30,000 Maximum Limit per Injury or Illness |
| 60-64 years | $15,000 Maximum Limit per Injury or Illness |
🏥 What Is the Student Journey Student Insurance PPO Network?
Student insurance ppo network We have two different network providers for our plans.
IMG maintains when inside the U.S., the UnitedHealthCare options network which is a longstanding reputable tier one network that gives you more access to more doctors and services.
If you purchase Student Journey Platinum student insurance from IMG with a United Healtcare logo on your insurance card, please state the following when informing your healthcare provider about your IMG travel insurance - "My healthcare coverage uses the United Healthcare travel health insurance network."
local_hospital Student Journey Platinum student PPO network »❓Student Journey Student Medical Insurance – FAQs
1. What are the coverage limits of Student Journey Insurance?
Student Journey Platinum Insurance is a medical insurance plan for students and cultural exchange participants. It has different coverage limits depending on the plan option you choose. This plan covers medical maximum of $150,000, $300,000 and $500,000 with deductible of $100, $250 and $500.
2. Does Student Journey cover pre-existing conditions?
IMG Student Journey insurance covers pre-existing conditions after 6 months of waiting period.
3. How Does the Affordable Care Act (ACA) Affect My Coverage?
Affordable Care Act affects the Non US students purchasing this plan. As non-resident aliens, international students, scholars and people involved in cultural exchange programs on F, J, Q, M Visas are not subject to the individual mandate for the first five years in the US. All other J categories are not subjected to the individual mandate for two years. Since international students are not subject to the mandate, they are not required to purchase a plan that meets PPACA requirements and can purchase the Student Journey Platinum.
4. Does Student Journey insurance cover Maternity?
Student journey insurance covers maternity up to $5,000 normal delivery $7,500 for c-section delivery and for newborn up to $500 maximum.
5. Does Student Journey insurance covers Adventure sports?
Yes. Adventure sports coverage is available as optional rider up to the age of 65 years. If you are a thrill-seeking traveler who enjoys life's more adventurous activities, you may want to consider adding supplemental coverage to your plan.
The Adventure Sports Rider provides coverage for any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling, BMX, bobsledding, bungee jumping, cannoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking and windsurfing.
🔔 Why Should I Buy Student Journey Insurance on American Visitor Insurance?
American Visitor Insurance has developed user friendly quote comparison tools to help travelers compare prices and benefits of different Student Journey insurance plans.
American Visitor Insurance also has resourceful FAQ's, Forums and Blogs based on customer needs, all of which are designed easily and make an informed decision of buying the best Student Journey insurance plan for your specific requirements.
American Visitor Insurance's licensed customer support staff with over two decades of travel insurance experience, help customers by providing answers to any queries or concerns while buying Student Journey insurance.
The customer support staff located in different time zones both in the East Coast and West Coast of the US are available at all times to help you with the online application process as well as to help customers while filing for Patriot America Plus insurance claims should you need to use the insurance coverage while on your vacation.
Need Assistance Choosing The Right Plan?
Need help understanding your policy?
Our Customer Service team is available 24x7, putting your needs first every step of the way.
📝 How Do I File a Claim With Student Journey Insurance?
To file a claim with Student Journey Insurance, follow these steps:
Download Form
Get claim form online
Call Support
1-800-628-4664
Submit Documents
Mail to International Medical Group, PO Box 240429, Apple Valley, MN 55124, USA.
Email Help
customercare@imglobal.com
🚫 What Are the Restrictions of Student Journey Insurance?
Student Journey insurance is not available for residents of Belarus, Russia, Iran, and Ukraine, and is also not available for travelers visiting these countries.
