📌 What is Student Journey Platinum Medical Insurance?
Ideal for non-U.S. international students coming to the USA., Starting at just $2.46/day
IMG’s Student Journey Platinum 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 Platinum Insurance Reviews
🧾 How Much Is Student Journey Platinum 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 $500,000.
📉 What Is a Deductible in Student Journey Platinum 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 $250.
✨ What Are the Key Highlights of Student Journey Platinum Insurance?
The Student Journey Platinum Insurance is designed specifically for international students, scholars, and cultural exchange participants. It is underwritten by SiriusPoint Specialty Insurance Corporation (through IMG – International Medical Group) and holds an A- (Excellent) rating from A.M. Best for financial strength. It offers reliable coverage with global claims support.
Positive features:- Best international student insurance: Provides coverage for illness and injury, doctor visits, hospital stays, prescription drugs, emergency medical evacuation, and repatriation.
- Meets visa requirements: : Fulfills most J1 and F1 visa insurance requirements, making it a preferred option for students and cultural exchange participants.
- Maternity coverage: The plan includes maternity coverage, providing $5,000 for normal delivery and $7,500 for C-section delivery, along with newborn coverage up to $500.
- Pre-existing condition coverage: After a 6-month waiting period, eligible pre-existing conditions are covered.
- Mental health coverage: Includes outpatient and inpatient mental health care, important for students adjusting to new environments.
- Sports coverage: Covers optional adventure sports up to 65 years
- Renewable & flexible: Can be purchased from 1 month to 12 months
- Geographic limitation: The plan is available only to students enrolled in educational programs in the USA, so it cannot be used for studies outside the country.
👤 Who Is Eligible for Student Journey Platinum 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 Platinum Insurance Be Extended or Renewed?
- 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
🛡️ What Are the Coverage Conditions Included in Student Journey Platinum 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 Platinum Insurance Cost Per Month?
The Student Journey Platinum insurance cost per month is starting at just $74 to $293 and the cost depends on:
- Age of the student
- Selected policy maximum
- Deductible amount
The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium.
- Ages 0–64: $500,000
Example: Below is the monthly cost of Student Journey Platinum insurance of coverage with a $250 deductible, provided by American Visitor Insurance.
✅ What Are the Benefits of Student Journey Platinum Student Insurance?
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Eligible Medical Expenses help In-Network: 80% up to policy maximum
Out-Network: 60% up to policy maximumMaternity & Newborn Care Maternity: $5,000 normal delivery $7,500 for c-section delivery
Newborn: $500 maximumPreventative Care Immunizations $200 Hospital room and board help $300 deductible per confinement Physician Visits help $15 copay Specialist $50 copay Urgent Care Clinic help $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 maximumSurgery help In-Network: 80% up to policy maximum
Out-Network: 60% up to policy maximumIntensive Care help In-Network: 80% up to policy maximum
Out-Network: 60% up to policy maximumHospital Emergency Room $350 deductible per confinementd Outpatient Diagnostic Laboratory / X-ray Laboratory / X-Ray: $30 copay per day including interpretation of results
Radiology: $100 copay per day including interpretation of resultsOutpatient Diagnositc Radiology $500 per examinaiton + additional $350 if Cat scan, PET scan, or MRI Anesthesia help 100% Chiropractic Care help Included (medical order or treatment plan required) Physical Therapy help Outpatient $35 per visit, 1 visit per day, 12 visit max Chemotherapy / Radiation Therapy help 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 maximumAssistant Surgeon help 25% of Surgeon's payable benefit
(20% of primary surgeon’s eligible fee)Prescription Drugs and Medication 80% out of network
Dispensing maximum: 30 days per prescriptionTraumatic Dental Injury help 100%
Rendered at a hospital facility due to a covered accidental injury and subject to the sublimits, deductible, coinsurance and copayment amounts listed in the benefit summary.Dental Treatment $500 max (unexpected pain or non-emergent accidents only) Mental/Nervous help Outpatient: 80% up to 40 visits or $5,000 max per policy period
Inpatient: 80% up to 30 days max -
Repatriation for Medical Treatment help $50,000 Return of Mortal Remains or Cremation/Burial help Unlimited
Local Burial / Cremation at place of death Maximum Limit: $5,000Interfacility Ambulance Transfer Up to 100% Emergency medical evacuation help Unlimited Emergency local ambulance help Up to 100% -
Pre-Existing Conditions help Covered after 6 months of waiting period -
Mental or Nervous/Substance Abuse help Outpatient: 50 copay up to $150 per session
Inpatient: 80% In-Network / 60% Out-of-Network -
Accidental Death & Dismemberment help Principal Sum Maximum: $10,000
Death must occur within 90 days of the Accident
➕ What Are the Optional Benefits of Student Journey Platinum 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.
1. Student Journey Platinum 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 Platinum Student Insurance PPO Network?
Student insurance ppo networkWe 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 »🔔 Why Should I Buy Student Journey Platinum 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 Platinum 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 Platinum 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 Platinum 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 Student Journey Platinum insurance claims should you need to use the insurance coverage while on your vacation.
❓Have questions?
Our support team is ready to assist you.
📝 How Do I File a Claim With Student Journey Platinum Insurance?
To file a claim with Student Journey Platinum 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.
Email Help
customercare@imglobal.com
🚫 What Are the Restrictions of Student Journey Platinum Insurance?
Student Journey Platinum insurance is not available for residents of Belarus, Russia, Iran, and Ukraine, and is also not available for travelers visiting these countries.
❓ Student Journey Platinum Student Medical Insurance - FAQ's
1. What are the coverage limits of Student Journey Platinum 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 $500,000 with deductible of $250.
2. Does Student Journey Platinum cover pre-existing conditions?
IMG Student Journey Platinum 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 Platinum cover Maternity?
Student journey platinum insurance covers maternity up to $5,000 normal delivery $7,500 for c-section delivery and for newborn up to $500 maximum.
