IMG Student Journey Plus Insurance
One of the best insurance plans for international students in the USA, Student Journey Plus offers comprehensive health insurance for F1, J1, and M1 visa holders - with an unlimited overall policy maximum, $300,000 per-illness/injury limit, 24/7 telehealth, and pre-existing condition coverage after 6 months.
What Is Student Journey Plus Health Insurance?
Student Journey Plus is a comprehensive international student health insurance plan from IMG designed for F1, J1, and M1 visa holders studying in the United States. It provides an unlimited overall policy maximum with up to $300,000 coverage per illness or injury, making it an excellent choice for students seeking higher medical coverage at an affordable cost.
The plan covers eligible medical expenses such as hospitalization, emergency medical treatment, physician visits, specialist care, prescription medications, and other covered healthcare services. After the deductible, Student Journey Plus pays 80% of eligible expenses for in-network care and 60% for out-of-network care, while offering predictable copays for routine doctor visits and student health center services.
Student Journey Plus uses the UnitedHealthcare Options PPO network in the U.S., allowing students to access a large network of healthcare providers and potentially lower their out-of-pocket medical expenses by choosing in-network care.Who Is Student Journey Plus Best Suited For?
Looking for one of the best insurance options for F1 students, with a higher per-illness limit and unlimited overall maximum, without paying Platinum-level premiums.
The $25 student health center copay and $40 physician copay keep routine visits predictable.
Maternity is covered at 80%/60% coinsurance, an upgrade over Lite's flat dollar caps.
Students who want the absolute lowest premium and are comfortable with a flat $100 deductible and fewer benefits (consider Student Journey Lite or students whose university requires a $0 deductible or the highest available limits consider Student Journey Platinum instead)
What Students Actually Need to Check First?
Not every "comprehensive student insurance" plan checks these boxes. Here's how Student Journey Plus stacks up against what actually matters.
Why Choose Student Journey Plus Insurance for International Students?
Student Journey Plus is a comprehensive international student health insurance plan designed for F1, J1, and M1 visa holders studying in the United States. It offers higher medical coverage than entry-level student plans while remaining more affordable than premium options, making it a popular choice for students seeking comprehensive protection at a competitive price.
Key benefits of Student Journey Plus include:- check_circleDesigned for F1, J1, and M1 visa holders and meets the health insurance requirements of most U.S. colleges, universities, and J1 exchange visitor programs.
- check_circleUnlimited overall policy maximum with up to $300,000 coverage per illness or injury, providing enhanced protection for unexpected medical expenses
- check_circle80% coinsurance for in-network care and 60% for out-of-network care after the deductible, along with predictable copays for physician, specialist, and student health center visits.
- check_circleMaternity coverage pays 80% for in-network (INN) and 60% for out-of-network (OON) eligible maternity expenses after the deductible, with newborn care covered up to a $500 maximum.
- check_circleCoverage for pre-existing conditions after a 6-month waiting period, subject to the policy terms.
- check_circleAccess to the UnitedHealthcare Options PPO network, helping students reduce out-of-pocket costs by using in-network healthcare providers.
- check_circleCoverage available from 30 days up to 12 months, with options to extend coverage and insure eligible dependents, including spouses and children.
- check_circleOptional Adventure Sports Rider for students participating in covered adventure activities.
Student Journey Plus is an excellent choice for students comparing international student health insurance, F1 visa health insurance, and J1 student medical insurance. It provides a balance of affordability and comprehensive coverage, making it ideal for students who want more protection than a basic plan without paying for the highest level of benefits.
Who Can Buy Student Journey Plus Insurance?
Hold an F1/F2, J1/J2, M1/M2, or A1/A2 visa, as the primary participant, spouse, or accompanying child.
At least 31 days old, and not yet 65 years old at the time of application.
Physically and legally present in the U.S. with intent to stay at least 30 days, at effective date and renewal.
Not hospitalized, disabled, pregnant, or HIV+ on the date coverage is set to begin.
- An F1, J1, or M1 student who wants more than entry-level coverage
- Comfortable with 80/20 coinsurance for a higher per-illness limit
- Likely to use campus health services and want predictable copays
- Want the absolute lowest premium (see Student Journey Lite)
- Need the highest limits or a $0 deductible (see Student Journey Platinum )
- Are already pregnant or hospitalized as of your intended effective date
Can Student Journey Plus Be Extended or Renewed?
tudent Journey Plus can be purchased for a minimum of 30 days up to a maximum of 12 continuous months. Coverage can be reapplied for - not automatically renewed - as long as the premium is paid on time and the student continues to meet eligibility requirements. Students who need protection beyond 12 months should compare Patriot Exchange or Student Health Advantage
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What Are the Restrictions of Student Journey Platinum Insurance?
Student Journey Platinum does not provide coverage for residents of, or travelers visiting, Belarus, Russia, or Ukraine. Contact our team if you need guidance on alternative coverage for these regions.
How Much Does Student Journey Plus Insurance Cost?
The Student Journey Plus cost per month ranges between $48 to $915, depending on:
- Age of the student - older applicants pay higher premiums.
- Selected policy maximum - $300,000 is standard for Plus.
- Deductible amount - Plus carries a $500 in-network / $750 out-of-network deductible.
Note: For senior travelers aged 80 to 99, the cost is $143, with a maximum coverage of $10,000 and a deductible of $100.
Real Cost Examples Under Student Journey Plus
Physician office visit
Urgent care visit
Hospital admission ($10,000 bill)
Advantages & Disadvantages of Student Journey Plus Insurance
Advantages
8 benefitsUnlimited overall policy maximum - no cumulative dollar cap on total lifetime benefits under the plan
$300,000 per-illness/injury limit, double Student Journey Lite $150,000
Meets F1, J1, and M1 visa insurance requirements and most university mandates
Fixed, predictable copays for routine care: $40 physician visit, $50 specialist, $25 student health center
Higher emergency medical evacuation ($120,000) and repatriation ($50,000) limits than Lite
Maternity covered at 80%/60% coinsurance rather than a flat dollar cap
Access to the extensive UnitedHealthcare PPO network in the U.S. plus IMG's worldwide IPA network abroad
Coverage can be extended to spouses and children
Disadvantages
7 limitsHigher deductible ($500 in-network/$750 out-of-network) than Lite's flat $100
80%/60% coinsurance means students pay a larger out-of-pocket share for major hospital-based care than on Lite's 100% schedule
6-month waiting period before pre-existing conditions are covered
Not available to students already pregnant or hospitalized at the time of purchase
Lower per-illness limit and lower deductible options than Platinum
Maximum policy period is 12 months per application (must reapply, not auto-renew, beyond that)
Not available to residents of, or travelers visiting, Belarus, Russia, Iran, or Ukraine.
What Are the Optional Benefits of Student Journey Plus Insurance?
Available for those up to the age of 65 years.
Activities covered (lifetime maximum applies): 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 per injury or illness |
| 50–59 years | $30,000 per injury or illness |
| 60–64 years | $15,000 per injury or illness |
What Are the Benefits of Student Journey Plus Student Insurance?
| Eligible Medical Expenses | 100% |
| Hospital room and board | $350 deductible per confinement |
| Surgery | In network: 80% Out network: 60% |
| Intensive Care | In network: 80% Out network: 60% |
| Hospital Emergency Room | $350 illness deductible if not admitted |
| Outpatient Diagnostic Laboratory / X-ray | $30 copay per day including interpretation of results |
| Outpatient Diagnositc Radiology | $100 copay per day including interpretation of results |
| Anesthesia | 100% |
| Chiropractic | Included (medical order or treatment plan required) |
| Physical Therapy | Outpatient $35 per visit, 1 visit per day, 12 visit max |
| Physician Visits | $40 copay, Specialist $50 copay |
| Urgent Care Clinic | $50 copay 80% In-Network / 60% Out-of-Network |
| Walk-In Clinic | In-Network: 80% up to policy maximum Out-Network: 60% up to policy maximum |
| Chemotherapy / Radiation Therapy | In-Network: 80% up to policy maximum Out-Network: 60% up to policy maximum |
| Assistant Surgeon | 25% of Surgeon's payable benefit (20% of primary surgeon’s eligible fee) |
| Mental/Nervous | $50 copay up to $150 per session |
| Prescription Drugs and Medication | $100 per prescription 30 days dispensing maixmum per prescription |
| Pre-Admission Testing | In-Network: 80% up to policy maximum Out-Network: 60% up to policy maximum |
| Traumatic Dental Injur | In network: 80% Out network: 60% |
| Dental Treatment | $500 max (unexpected pain or non-emergent accidents only) |
| Scheduled Outpatient or Day Surgery | In-Network: 80% up to policy maximum Out-Network: 60% up to policy maximum |
| Durable Medical Equipment | In-Network: 80% up to policy maximum Out-Network: 60% up to policy maximum |
| Hospital Miscellaneous Expenses (operating room, lab tests, x-ray, rx, therapeutic services, supplies) | In-Network: 80% up to policy maximum Out-Network: 60% up to policy maximum |
| Maternity | In network: 80% Out network: 60% |
| Newborn Care | $500 maximum |
| Emergency medical evacuation | $120,000 |
| Repatriation for Medical Treatment | $50,000 |
| Return of Mortal Remains or Cremation/Burial | $60,000 Local Burial / Cremation at place of death Maximum Limit: $5,000 |
| Emergency local ambulance | 100% |
| Interfacility Ambulance Transfer | 100% | Accidental death & dismemberment | Principal Sum Maximum: $10,000 |
| Pre-Existing Condition | After 6 months of waiting period | |
Routine Care vs. Hospital Care Under Student Journey Plus
- Show your IMG ID card at an in-network provider or student health center.
- Pay your fixed copay ($40 physician, $50 specialist/urgent care, $25 student health center).
- Provider bills IMG directly - no claim form needed for in-network visits.
- Call IMG to precertify non-emergency admissions or surgery before treatment.
- Pay your $500/$750 deductible, then 20%/40% coinsurance on the remainder.
- Submit documentation via MyIMG if the provider doesn't bill directly; processed in 10–30 business days.
Compare All Student Journey Plans Side by Side
Lite covers the basics at the lowest price. If you need more protection, here's exactly what you gain by upgrading to Plus or Platinum.
| Feature | Student Journey Plus | Student Journey Lite | Student Journey Platinum |
|---|---|---|---|
| Best for | Students wanting broader everyday coverage | Healthy students, lowest cost | Students wanting the highest limits & lowest deductible options |
| Pre-existing conditions | Covered after 6 months | Covered after 6 months | Covered after 6 months |
| Deductible options | $500 per period of coverage INN $750 OON |
$100 only | $250 per period of coverage INN $400 OON |
| Student Health Center Deductible/Copay | $25 | $45 | $15 |
| Maternity coverage | 80% INN / 60% OON | $5,000 normal delivery $7,500 for c-section delivery |
80% INN / 60% OON |
| Cost per day | $1.50 | $1.00 | $2.15 |
| Monthly cost | From $48 | From $30 | From $74 |
| Explore Plan | View Plan » | View Plan » | View Plan » |
| Get Started | shopping_cart Buy Now | shopping_cart Buy Now | shopping_cart Buy Now |
Ready for Comprehensive Student Health Coverage in the USA?
Student Journey Plus Health Insurance from $48/month
What Is a PPO Network in Student Journey Plus Insurance?
A PPO (Preferred Provider Organization) network is a group of doctors, hospitals, and clinics contracted to provide care at pre-negotiated, lower rates to insured students.
Student Journey Plus uses the UnitedHealthcare Options network, one of the largest PPO networks in the country, giving students access to:
Lower out-of-pocket costs: Visiting an in-network provider means the provider bills IMG directly, reducing surprise bills for budget-conscious international students.
Global access: Outside the U.S. or when traveling, students also have access to IMG's proprietary IPA network of over 18,550 physicians and facilities worldwide.
Find a UHC Doctor »How Do I File a Claim With Student Journey Plus Insurance?
To file a claim with Student Journey Plus Insurance, follow these steps:
Precertification: Why It Matters on Student Journey Plus
Because Student Journey Plus pays many hospital-based benefits on a coinsurance basis (80% IN-Network / 60% Out-Network) rather than a flat dollar amount, precertification is especially important. Non-emergency hospital admissions, inpatient/outpatient surgery, and certain other procedures must be precertified with IMG before treatment. For emergency admissions, precertification must happen within 48 hours of admission. Skipping precertification reduces eligible claims and expenses by 50% - a much larger dollar impact on a percentage-based plan like Plus than on a flat-schedule plan like Lite.
Contact IMG's precertification team at +1 (317) 655-4500 or [email protected] before a planned hospital admission.
IMG Student Journey Plus - FAQs
Why Buy Student Journey Plus Insurance Through American Visitor Insurance?
Easy Plan Comparison and Purchase: Compare Student Journey Lite, Plus, and Platinum side by side, review benefits and pricing, and complete your purchase securely online in minutes.
Helpful Resources for Better Decisions: We offer detailed FAQs, blog, and guides built from real student and parent questions to help you choose the right plan for your visa type and university.
Experienced Customer Support: Licensed support staff with 20+ years of experience in international student and visitor insurance.
Nationwide Support: Teams on both the East and West Coast of the U.S. across multiple time zones.
Licensed & Trusted Platform: American Visitor Insurance is a licensed US-based insurance platform (NJ License #1181604).