International students health insurance faqs

No. You are under no obligation to buy a health insurance plan when getting a quote from American Visitor Insurance. After getting a quote you are not obligated to buy on our website, neither are you obligated to buy after completing an online or paper application, you can always choose not to buy the insurance. You can also cancel the insurance if you choose to, you will get a full refund before the start of the insurance policy and a pro-rata refund after the start of the policy.

You can buy a single master health insurance plan for a group of students traveling overseas. It is easier to manage a group insurance plan, and the price is cheaper than buying several individual travel insurance policies. The 'IMG Patriot Exchange Group student insurance' is popular for groups of more than two students traveling abroad. This is ideal for student groups who are traveling overseas to take part in a group activity either academic or sporting.

Groups of two or more students can purchase group insurance plans. Buying group student insurance works better than individual student insurance plans in the following ways –

• Group plans have a discount and are cheaper than individual student plans.
• Group plans are easier to manage, as there will be a master insurance plan, and each of the students will be given an ID as proof of their insurance coverage.

You can get quote for 'student group insurance here'.

You can apply as soon as you are enrolled as an eligible student. The policy will be sent out as soon as it is issued. We would prefer that the application not be completed more than 60 days prior to the requested effective date.

If you purchase online, using a credit card the earliest your student insurance coverage can begin is the day following the transaction. You also have the option of selecting a coverage start date up to 60 days in the future. But please note that the coverage cannot start on the 29th, 30th, or 31st of a month.

The international student health insurance provides coverage throughout the year, not just when the school is in session. If you leave school, your coverage continues for the remainder of the policy year. This insurance can also be renewed.

The student insurance plans offered on American Visitor Insurance will move with you anywhere in the United States.

The student insurance coverage is not tied to any one school and will move with you if you transfer schools. That is one of the advantage of buying insurance from American Visitor Insurance as opposed to buying it on the university.

No you will not lose coverage as long as you attended school full-time for 31 days after the policy effective date. The Student policy stays with till the end of the policy period. This is very helpful for international students as they graduate from school and are on the OPT status in a F1 student visa. That is one big advantage of buying international student insurance from American Visitor Insurance.

There are quite a few student insurance plans that cover sports activities. It is hard to pick one plan as the best plan. There might be slight differences in the kind of sports activities that they cover. However, here is a list of plans which provide great coverage for sports activities:

1. Student Health Advantage plan from IMG:
   This plan provides coverage of $5000 for intercollegiate, interscholastic, intramural, and club sports. This is most requested by international students.
2. Student Secure Elite plan from Worldtrips:
   Sports and activities coverage: This plan covers leisure, recreational, entertainment, or fitness up to the overall maximum limit

The best policy we offer is the Diplomat America or Diplomat LongTerm insurance for intercollegiate sports coverage. The policy allows you to put a specific sports rider on the policy (low, medium, or high) depending on the sport to be covered. Under this enhancement, the maximum benefit pay out is reduced to $20,000 for any covered injury or illness resulting from the sports activity. The cost depends on the sport to be covered.

The Low Option -(additional $12.00 flat monthly rate) is for Ballet; Baseball; Cheerleading; Cross Country; Diving; Equestrian; Fencing; Field Hockey; Golf; Polo (Horse); Polo (Water); Rowing; Softball; Surfing; Swimming; Tennis; Track & Field; and Volleyball.

The Middle Option (additional $26.00 flat monthly rate) will cover Basketball; Competitive Cycling (Road, Track, CX); Ice Hockey; Inline Skating (Helmet & Proper Equipment Required); Lacrosse; Martial Arts/Karate; Modern Pentathlon; Skiing (Slalom, Giant Slalom, Downhill); Ski Jumping; and Wrestling. And the High Option (additional $80.00 flat monthly rate) will cover Football (No Division One); Gymnastics; Rugby (No Division One); and Soccer. The LongTerm plan can be extended, but the Diplomat America plan cannot be extended or renewed.

Student Health Advantage plan from IMG covers intercollegiate sports activities: This plan provides $5000 coverage for intercollegiate sports activity.

International students can purchase the Diplomat America or Diplomat LongTerm insurance for their studies in the USA. The plan offers an intercollegiate sports rider that can cover: Ballet; Baseball; Cheerleading; Cross Country; Diving; Equestrian; Fencing; Field Hockey; Golf; Polo (Horse); Polo (Water); Rowing; Softball; Surfing; Swimming; Tennis; Track & Field; Volleyball; Basketball; Competitive Cycling (Road, Track, CX); Ice Hockey; Inline Skating (Helmet & Proper Equipment Required); Lacrosse; Martial Arts/Karate; Modern Pentathlon; Skiing (Slalom, Giant Slalom, Downhill); Ski Jumping; Wrestling; Football (No Division One); Gymnastics; Rugby (No Division One); and Soccer.

Yes. There are various student insurance plans that cover sports activities, however the sports activities that are covered by the plan vary from one to another.

While a plan covers intercollegiate sports activities, another might cover adventure sports and hazardous sports or the non contact amateur sports.

Here is a list of student insurance plans that cover sports activities:

Patriot Exchange from IMG:
This plan covers limited high school and college sports as an optional rider for 100% after the deductible is met . Similarly, it has an optional rider for adventure sports coverage.

Student Health Advantage plan from IMG:
This plan provides coverage of $5000 for intercollegiate, interscholastic, intramural, and club sports. This is most requested by international students.

Student Secure Elite plan from Worldtrips:
Sports and activities coverage: This plan covers leisure, recreational, entertainment, or fitness up to the overall maximum limit.

International students can purchase either the Diplomat America or Diplomat LongTerm insurance if they intend to play on intercollegiate sports or club teams. The coverage is reduced to $20,000 for sports injuries and can cover a variety of sports activities. The cost of the rider depends on the specific sport of interest.