What is IMG Student Journey Lite Insurance?

IMG Student Journey Lite is a comprehensive student health insurance plan designed for international students studying in the United States or its territories on F-1, J-1, and M-1 visas. The plan provides coverage for eligible medical expenses including illness, injuries, hospitalization, physician visits, prescription medications, emergency medical evacuation, and repatriation of remains.

Who is eligible for Student Journey Lite Insurance?

Student Journey Lite is available for eligible international students, scholars, and educational travelers participating in approved educational programs. Applicants must meet the plan eligibility requirements and typically include students studying in the USA on F-1, J-1, and M-1 visas.

How long can I purchase Student Journey Lite Insurance?

Student Journey Lite Insurance can be purchased for coverage periods ranging from 30 days up to 12 months. Eligible students who continue their studies may have renewal options according to the plan terms.

Does Student Journey Lite meet F-1, J-1, and M-1 visa insurance requirements?

Student Journey Lite is designed for international students and educational travelers on eligible F-1, J-1, and M-1 visas. Students should confirm specific insurance requirements with their university, exchange sponsor, or educational institution.

What does Student Journey Lite Insurance cover?

Student Journey Lite provides coverage for eligible medical expenses including doctor visits, hospitalization, emergency medical treatment, prescription medications, emergency medical evacuation, and repatriation of remains. Coverage is subject to policy limits, exclusions, and conditions.

Can non-U.S. citizens buy Student Journey Lite Insurance?

Yes. Student Journey Lite is designed for eligible non-U.S. citizens participating in approved educational programs outside their home country, including international students studying in the United States.

Who cannot apply for Student Journey Lite Insurance?

Individuals who do not meet the student eligibility requirements or are not participating in an eligible educational program cannot apply. Coverage is also subject to policy exclusions, limitations, and pre-existing condition provisions.

Does Student Journey Lite Insurance have age restrictions?

Student Journey Lite is available for eligible students based on the plan's age and enrollment requirements. Benefits and coverage availability may vary depending on age.

Student Journey Lite Insurance Reviews 2026, Cheapest student insurance for USA starts at $30/month, Affordable student health insurance, Cheap student insurance USA

Client Stories

IMG Student Journey Lite Insurance Reviews

★★★★★

"The compassionate care you gave me in the handling of my need, in my hour of need, was exemplary! We never felt like we were merely a case number - we felt the sincerity of your heartfelt response, as I shared my heart with you, both by phone and by e-mail correspondence."

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Steve E

✓ Verified Customer

★★★★

"Thanks for all the help and continued support you have provided. Although one hopes never to use travel insurance, you were a god-send throughout our ordeal. We couldn’t have done it without your continued assistance. Thanks again for everything."

JN

Joan

✓ Verified Customer

★★★★★

"I was unlucky enough to fall ill while abroad, and filed two claims with IMG; I was quite pleased at how easy and straight-forward this process was. My claims were processed quickly and without loads of red-tape. The representatives I spoke with were polite and helpful, as well."

KL

Kelli M

✓ Verified Customer

Who Qualifies

Eligibility Requirements

Student Journey Lite is designed for international students and educational travelers studying outside their home country. Review the eligibility requirements below before purchasing.

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Eligible Student Visa Holders

Available for international students, scholars, and educational travelers studying in the United States on eligible F-1, J-1, and M-1 visas or participating in qualified educational programs.

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Non-U.S. Citizens

Applicants must be non-U.S. citizens residing outside their home country while participating in a covered educational program.

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Student Status Required

Applicants must be actively enrolled in or accepted into an eligible school, college, university, exchange, or study-abroad program that requires student health insurance.

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Age Requirements

Student Journey Lite is designed for eligible students. Coverage availability and benefits are subject to the plan's age and enrollment requirements.

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Who Cannot Apply

This plan is not available to individuals who are not participating in an eligible educational program or who do not meet the plan's student eligibility requirements. Benefits are also subject to the policy's exclusions, limitations, and pre-existing condition provisions.

Optional Riders

Enhance Your Coverage

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Sports & Activities Coverage

Covers eligible recreational and intramural sports, with optional coverage available for hazardous sports and activities, subject to the policy terms and exclusions.

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Mental Health Benefits

Includes eligible coverage for inpatient and outpatient mental health treatment as outlined in the policy schedule.

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Maternity Coverage

Provides eligible maternity benefits after the applicable waiting period, subject to the policy's limits and conditions.

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PPO Network Access

Access to a nationwide PPO network of doctors and hospitals, helping reduce out-of-pocket medical expenses when receiving treatment from participating providers.

Real campus situations

What This Actually Covers, in Student Terms

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Flu hits during finals week

Walk-in or urgent care clinic visit for a bad fever or infection.

Covered at 100%

emergency

Twisted ankle at intramurals

ER visit, X-ray, and follow-up physical therapy sessions.

ER 80% · PT up to 12 visits

psychology

Stress and anxiety before exams

Outpatient mental health visits and 24/7 telehealth consultations.

Up to 40 visits / $5,000

medication

Prescription refill

Antibiotics or other prescribed medication from a local pharmacy.

Up to $100/prescription

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Medical emergency far from home

Emergency evacuation or repatriation if care isn't available nearby.

Up to $60,000

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Can't get to a clinic tonight

Talk to a board-certified doctor by phone or video, any time.

Telehealth included, 24/7

Quick Analysis

Pros & Cons of Student Journey Lite Insurance

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Student Journey Lite advantages

6 benefits

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Affordable comprehensive health insurance for international students.

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Designed for eligible F-1, J-1, and M-1 visa holders studying in the USA.

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Access to the UnitedHealthcare and FirstHealth PPO networks nationwide

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Covers pre-existing conditions after a 6-month waiting period.

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Optional Adventure Sports Rider available for eligible recreational activities.

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Underwritten by SiriusPoint Specialty Insurance Corporation, rated -A by A.M. Best

View Details →

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Student Journey Lite disadvantages

4 limits

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Lower coverage limits compared to premium student insurance plans with higher maximum benefits

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Limited coverage for preventive care, routine checkups, and wellness services.

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Some medical benefits have fixed limits, which may result in higher out-of-pocket costs for expensive treatments.

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Adventure sports and hazardous activities require additional coverage and may not be included in the base plan.

View Details →

Pricing Guide

How Much Does Student Journey Lite Insurance Cost?

The cost of Student Journey Lite Insurance ranges from $30 to $96 per month, depending on the traveler’s age

The table below shows sample monthly rates based on a $100 deductible

Age of traveler
Age of traveler	$150,000
Under age 18 - 24 years	$30
25 - 30 years	$53
31 - 40 years	$96

Source: American Visitor Insurance® | Prices verified for 2026 travel season.

Real-World Example

How Student Journey Lite Works - A Real Claim Example

Using a $150,000 policy with $100 deductible and in-network (PPO) care:

Expense	Amount Billed	Insurance Pays	You Owe
Deductible	$100	$0	$100
Hospital stay (3 days × $2,000)	$6,000	$6,000	$0
Surgery	$16,000	$16,000	$0
Prescription Drugs	$600	$600	$0
X-Ray	$1,400	$1,400	$0
Total	$24,100	$24,000	$100

Result: On a $24,100 medical bill, you pay only $100 (your one-time deductible). The insurance covers $24,000 - that's a 99% coverage rate when using an in-network PPO provider.

Disclaimer: Example is illustrative. Actual coverage depends on policy terms, network participation, and eligibility of expenses.

Provider Access

PPO Networks - Finding a Doctor

Using an in-network provider means the plan pays 100% after your deductible. Out-of-network, the plan pays 90% up to $500 then 100%.

UnitedHealthcare Options

The primary network for US care. One of the nation's largest PPO networks with access to thousands of board-certified doctors and hospitals nationwide.

search Find a UHC Doctor

Tip: When checking in at a US hospital or clinic, say: "My healthcare coverage uses the United Healthcare travel health insurance network." Always confirm PPO participation directly with the provider before your visit.

Simple Process

How Do I File a Claim With Student Journey Lite Insurance?

To file a claim with Student Journey Lite Insurance, follow these steps:

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Step 01

Download Form

Get the IMG claim form from the member portal.

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Step 02

Call Support

Speak to our licensed support staff for guidance.
1-800-628-4664

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Step 03

Submit Documents

Mail to International Medical Group, PO Box 240429, Apple Valley, MN 55124, USA.

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Step 04

Email Help

[email protected]

Common Questions

Student Journey Lite Insurance - FAQs

Without doubt, all students should have health insurance while they are in the US. The US health care costs are the highest in the world and a minor injury or accident could set you back tens of thousands of dollars. Being healthy and taking care of yourself is, of course, highly recommended, but accidents happen to us all and when we least expect. Students should have proper insurance before anything emergency situation arises so that you do not find yourself in serious debt.

Yes, International students can definitely get student medical insurance, we offer many student insurance options on American Visitor Insurance. Quite often, the universities themselves offer student insurance, however this can be expensive. At student insurance plans that we offer are considerably more affordable than the University insurance plans, while providing similar coverage benefits.

However, students should confirm if the University allows students to but insurance outside the University, and if they can get the required insurance waiver for this student insurance.

The best student medical insurance will vary for each student. There is no single student insurance which will work as the best international student health insurance plan for all students. The factors to consider while identifying the best student insurance will be the coverage benefits, the provider network and the cost of the health insurance for international students.

The health insurance cost for the college student will depend on the coverage benefits of the student insurance plan, the age of the student, the medical maximum coverage required and the deductible for the plan. The cost of student health insurance coverage within the US is more expensive when compared to coverage outside the US.

Student Journey Lite may meet many school and program insurance requirements for international students. However, students should confirm the specific insurance requirements with their university or sponsoring institution before purchasing.

Yes. Student Journey Lite is available for eligible J-1 participants who need medical insurance coverage while participating in approved exchange or educational programs.

Yes. Student Journey Lite provides access to a nationwide PPO provider network, allowing students to locate participating doctors and hospitals in the United States.

Student Journey Lite is a suitable option for international students looking for affordable medical insurance with essential benefits while studying in the USA. Students who need higher coverage limits or additional benefits may consider other IMG student insurance options.

Compare Plans

Student Journey Lite Plan Comparison

Not sure which plan is right for you? Compare the three Student Journey Lite plans side by side to find the best fit for your coverage needs and budget.

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Student Journey Lite Insurance Reviews 2026

IMG Student Journey Lite Insurance Reviews