OPT student health insurance, OPT medical insurance

International Students on a F1 visa and Optional Practical Training (OPT) status (hence not taking any courses) can purchase best health insurance plans for OPT students that we offer. Simply enter your age to get affordable quotes of different health insurance for f1 students on OPT plans.

International Student Health Insurance Coverage highlights

International student insurance benefits for students

Testimonials - From Our Customers

Thank you for your prompt reply. Thank you for doing some good homework on our behalf. May the Lord richly bless you and all your encounters and may He fill your life with all of his abundance.
Know more »

Ron W

I needed to move my policy date, but remembered it too late. American Visitor Insurance customer support made a lot of efforts to fix it out and succeeded. It's a really good service. Great thanks to your support staff.
Know more »

Konstantin V.B

Thank you for such helpful information. You've impressed me as I have contacted other companies and haven't gotten half of the information from them that you have sent me. I will take what you've said into consideration.
Know more »


Health Insurance for International Students resources

Find the student insurance cost

Find out the best insurance for your budget and needs.

Click here to read more »

How to buy student insurance?

Step by step guide to buying the best travel insurance.

Click here to read more »

Student group insurance

Best student group travel medical insurance.

Click here to read more »

Student compare coverage

Compare International health insurance for students in USA

Click here to read more »

OPT Covid medical insurance for international students

At American Visitor Insurance, we are committed to getting you the best OPT medical insurance with Covid coverage. The following are cheap OPT health insurance for Covid:

Resourceful tourist insurance USA information

Find the best travel insurance

Find out the best insurance for your budget and needs
Know more »

How does travel insurance work?

Claims process for expenses due to injury or sickness
Know more »

How to buy travel insurance?

Guide to buying the best international travel health insurance
Know more »

Travel insurance glossary

Commonly used international travel medical insurance terms
Know more »

Travel insurance for specific groups

Tourists, Cruises, Students, J1 visa, OPT status, Immigrants...
Know more »

Compare travel insurance plans

Compare the best travel insurance plan for your needs
Know more »

Insurance plans for OPT holder


Hello, I wanted to inquire about the Patriot Exchange and Student Health Advantage Standard insurance plans. Can students on OPT apply? If so, can they apply before receiving the EAD card, perhaps after submitting the OPT application or even before that?

Thank you,
Dear Customer,

We have specific plans for OPT holders. Here is one popular plan:

This plan is suitable for OPT holders and is a comprehensive plan.
Customer care
(877) 340 7910

Why buy US medical insurance for OPT?

  • International Students with the F1 visa are eligible to get internship on a work permit for 36 months for STEM (Science, Technology, Engineering, Math) students and 12 months for non STEM students.
  • Since these students are no longer taking courses in the university, they are not eligible for student insurance.
  • International students cannot buy domestic insurance plans as they are not US citizens or US permanent residents (Green card holders).
  • We offer affordable health insurance for opt students in the USA and provide health insurance comprehensive coverage to international student on OPT.

Best medical insurance for F1 students on OPT

  • The affordable health insurance for visa OPT, or the STEM OPT student insurance plans that we offer have cheap F1 opt insurance rate and can be purchased for as few as five days and can be renewed (some of them want initial purchase of three months for future renewal).
  • OPT health insurance F1 will cover all new medical ailments, injuries or accidents that may occur after the effective date of the insurance.
  • The Health insurance for students on opt will however not cover pre-existing ailments, maternity, dental or vision care or any preventative care such as health checkups or immunizations.

Best health insurance for OPT students in USA, OPT student health insurance

Best health insurance for OPT students in USA

  • Comprehensive plan with worldwide coverage including and excluding the US for visitors traveling outside their home country.
  • Plan is suitable for OPT holders, H1 Visa holders, Green Card holders as a temporary health insurance plan during transition.
  • Acute onset of pre-existing conditions covered up to the age of 79 years.
  • No arrival time restriction with this plan to come to the US.
  • This is a student insurance plan for international students and exchange scholars enrolled in full time University.
  • Covers Pre-existing conditions after 12 months of waiting period.
  • It is a very affordable plan and meets J visa requirements and F Visa for international students.
  • Unique feature of this plan is J2 and F2 visa holders can buy this plan without J1 and F1 Visa holders being on the plan.
  • The student can buy this plan with a sports rider to cover activities such as downhill skiing.
  • This plan provides coverage for Corona and provides a policy maximum of $500,000
  • This plan is available for full time students enrolled in a college or University
  • Full time scholar affiliated with an educational institution and performing research for at least 30 hours per week.
  • People holding an F1 Visa ,OPT or a J1 Visa are eligible to buy this plan.
  • Students must reside outside their home country for the purpose of pursuing international educational activities.
  • Acute onset of pre-existing condition is covered for $25k lifetime maximum for eligible expenses.
  • Coverage that meets the requirements of many programs and schools at a budget-friendly rate.
  • Comprehensive plan for US citizens living abroad and Non US citizens visiting the US
  • Plan is suitable for OPT holders and does not have any arrival time restriction in the US.
  • This plan provides coverage for acute onset of pre-existing conditions upto the age of 70.
  • Plan is renewable for up to 2 years
  • Plan provides coverage for adventure sports with the optional rider.
  • This plan is for Non Us citizens and Non US residents visiting the US.
  • This plan is an ideal for students, study abroad and international exchange students.
  • This plan is available to the US citizens visiting US on business trips and vacation while living abroad. There is a requirement for a valid international address
  • The plan covers 80% of eligible expenses up to $5000 and then covers 100% after the deductible.
  • Covers pre-existing condition with 24 months waiting period.
  • It also has an excellent sports rider option that covers wide variety of adventure sports including collegiate sports, mountain climbing, skiing etc.
  • Coverage for non-U.S. Residents and non-U.S. Citizens while traveling outside of Your Home Country.
  • Acute onset of pre-existing conditions covered up to the age of 79 years.
  • Within the US, the co insurance of this plan for in network PPO pay 100% after the deductible and for outside the PPO the plan pays 90% of the first $10,000 in covered expenses, then 100% to the medial maximum.
  • Outside the US the co insurance for the plan is covered for 100%
  • Cardiac Condition coverage covers in worldwide including the United States.
  • This plan is for Non Us citizens and Non US residents visiting the US.
  • This plan is an ideal for students, study abroad and international exchange students.
  • It also has an excellent sports rider option that covers wide variety of adventure sports including collegiate sports, mountain climbing, skiing etc.
  • This plan can be available for minimum of 3 months to 365 days per policy period.
  • This plan can be renewed online up to maximum up to 3 years.
  • Covers Sudden Recurrence of a Pre-existing Condition up to $20k; ($2,500 for age 65 and older)
Need Help
Contact our customer service team
We are here to help you!

OPT student insurance FAQ's

01. How much do OPT Student Health Insurance Plans cost?

The OPT Student Health Insurance Plans cost varies depending on the age of the OPT student and the duration of coverage required. The older the student the higher will be the OPT medical insurance cost. The longer the duration of travel insurance required, the greater will be the cost of OPT Health Insurance for F1 Students.

Our Health insurance for OPT students quote comparison facility lists the opt student health insurance plans that satisfy your requirements comparing them based on price and benefit. Compare health insurance for OPT students and compare free OPT medical insurance quotes to find the best opt insurance online.

02. Is it mandatory to have health insurance on OPT?

The US immigration authorities do not make it mandatory for students on Optional Practical Training (OPT) status to buy student insurance. However, given the very cost of healthcare in the US, and the relatively low cost of OPT insurance for the relatively young students, it is very logical to buy good OPT insurance which will cover the health of the student while he/she is on the OPT status.

Students on OPT status will not need any OPT student insurance if they have health insurance coverage from the institution where they are doing their Optional Practical training.

03. What is opt insurance?

OPT insurance reference to the health insurance for international students in the United States when they are on the Optional Practical Training (OPT) status of the students visa (F1 visa). International students in the US who are in the STEM (Science, Technology, Engineering, Math) education stream are provided the OPT status after their required coursework for three years. International Students in the US who are not categorized under the STEM programs are usually given the OPT status for 1 year after completing their university coursework.

04. Are f1 students on OPT required to have health insurance?

International F1 visa students on the OPT visa in the US are not mandated by the US immigration authorities to have US health insurance OPT. However most US universities insist to have good Student health insurance plan for OPT students.

Even if the Universities do not insist of student health insurance coverage, it is prudent to buy good international student medical insurance given the very high cost of healthcare in the US. Given the relatively young age of international students, the cost of student health insurance is quite low, and it is really very risky to be uninsured while living in the United States.

05. What should you buy OPT health insurance?

International students on Optional Practical Training, OPT status should ensure that they have proper health insurance coverage as they will not be covered by their student insurance anymore. Since the students have just moved out of the university environment, it is likely that they overlook the need for health insurance, but this is critical given the high cost of US healthcare. Different employers in the US have different health insurance options, and might not insure students on the OPT status if they are not considered full-time employees. The cost of OPT insurance is not high considering the risk of facing a US hospital bill in the event of being uninsured.

06. Explain the importance of OPT health insurance?

The cost of US healthcare is very expensive. Most US residents have some form of health insurance, however as an international student on OPT status, students will not have student insurance coverage from the University and will have to either get insurance from his employer, or get OPT insurance from other insurance providers.
The OPT status holder having completed his coursework has moved to an unfamiliar new work environment. The work environment being new and very different from the University with meetings and deadlines can be stressful. Students are vulnerable given this new situation, and they need to have access to good healthcare as they start their professional career.
The cost of OPT student insurance is affordable in the context of average US healthcare expenses, and international students on OPT status should not risk being uninsured.

07. What is the best health insurance for OPT students?

The best health insurance for international students on opt will depend on the unique needs of the student. There is no single plan which will qualify as the best student health insurance plan for all students. While some students will be looking for the cheapest student insurance, others will be looking for the most comprehensive coverage even if the cost is higher. The factors to be considered while buying student insurance are the coverage benefit details and the PPO network on the student insurance plan, the cost of the student insurance plan and the option to buy it on a monthly or quarterly basis.

08. Does OPT insurance cover covid?

OPT insurance with Covid coverage is available for foreign students. International students can review and compare visitor insurance plans and find plans with Covid coverage that fit your needs. International Students can buy the Student Secure health insurance plan from WorldTrips which will cover eligible medical expenses resulting from COVID.

09. What does OPT stand for in insurance?

OPT stands for "Optional Practical Training". OPT period is the period after graduation when the international students on F1 Visa can legally work in the US. The international student insurance for F1 Visa holders does not hold good anymore during this period. Although it is not mandatory in the US to have insurance during this period, it is recommended to have OPT health insurance while on this period to take care of any unexpected healthcare expenses in the US.

10. Which insurance is best for OPT students in USA?

Some of the most popular health insurance plans for OPT holders in USA:

11. What situation is suitable for OPT healthcare insurance?

OPT health insurance is required in situations like after graduation, during the OPT period whether legally started working or not, they are eligible for the OPT health insurance.After getting employed, there are some companies which do not provide the health insurance package in case of which you can purchase OPT health insurance, some companies provide insurance that pay partly for the medical expense and the rest of the expense can be covered by the OPT.

12. Why is OPT health insurance required?

Healthcare in the US is very expensive. During the F1 Visa status, there is a mandatory requirement from the University to be enrolled in some medical insurance plan to cover for unexpected sickness and injury, covered pregnancy and maternity, acute onset of pre-existing conditions after the waiting period which varies from one plan to another and many other specific benefits. The international student health insurance will be very specific in case of coverages. Some of these specific coverages are not available in visitor health insurance plans. However, during the OPT period, they are eligible for visitor health insurance plans. These plans are flexible in their coverage compared to the student plans.

Best health insurance plans for OPT students faqs

Steps to buy
Student OPT medical insurance online

 1: Finding all available OPT medical insurance plans

Complete the OPT medical insurance quote request form by providing details of the traveler & insurance requirements.

 2: Compare different OPT medical insurance options

Compare the price and the benefits of the different OPT medical insurance options to identify what fits your needs best.

 3: Buy the OPT medical insurance you like best and review documents

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

 4: Review the visitors insurance documents & download visa letter is required

Review the visitors insurance documents & download visa letter is required.

Step by step travel insurance

Factors to consider for F1 students on OPT buying health insurance

Important factors to consider while buying university comparable student health insurance.

Resourceful OPT medical insurance information

Student Insurance FAQ

Customer queries and answers about insurance plans for students on OPT status..

Click here to read more »

Student Insurance Blog

Read insurance blogs related to OPT Student Health Insurance Plans..

Click here to read more »

OPT Insurance Forum

Queries and answers about international student travel insurance..

Click here to read more »
Student health insurance for top US colleges and universities

Click here to know more »

OPT Student Medical Insurance Blogs and Articles

Comparing best OPT medical insurance

Compare and Buy best health insurance plans for opt students.

Click here to read more »

Student Health Insurance with Pre-existing coverage

Compare quotes online for Student Health Insurance with Pre-existing coverage

Click here to read more »

Student Insurance Blogs

Compare quotes online for Student Insurance.

Click here to read more »

International student insurance

Find the best international student health insurance plan for your needs.

Click here to read more »
OPT Student Medical Insurance

Expertise in offering travel insurance
20+ years!

Customers from
All U.S. states!

Customers from over
180 countries!