What is IMG Student Journey Plus Insurance?

IMG Student Journey Plus 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 Plus Insurance?

Student Journey Plus 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 Plus Insurance?

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

Student Journey Plus 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 Plus Insurance cover?

Student Journey Plus 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 Plus Insurance?

Yes. Student Journey Plus 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 Plus 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 Plus Insurance have age restrictions?

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

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Student Journey Plus Insurance Reviews 2026

Cheapest Student Health Insurance starts at $48/month

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Student Journey Plus Insurance Reviews

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Policy maximum

$300,000

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Deductible

In-Network: $500
Out-of-Network: $750

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Comprehensive plan

Covers eligible medical expenses

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Renewability

30 days to 12 months

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Pre-existing conditions

Covered after 6 months of waiting period

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PPO network

United Healthcare & First Health

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Client Stories

IMG Student Journey Plus 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."

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."

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."

Kelli M

✓ Verified Customer

Who Qualifies

Eligibility Requirements

Student Journey Plus 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 Plus 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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Mental Health Benefits

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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Maternity Coverage

In-network: 80%
Out-of-network: 60%
Newborn care: up to $500 maximum

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Adventure Sports Rider

Available up to age 65
Age 0-49: $50,000 maximum limit
Age 50-59: $30,000 maximum limit
Age 60-64: $15,000 maximum limit

Quick Analysis

Pros & Cons of Student Journey Plus Insurance

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Student Journey Plus advantages

6 benefits

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Designed specifically for international students, scholars, and educational travelers studying in the U.S.

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

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Provides up to $300,000 maximum benefit per illness or injury (subject to plan terms and conditions).

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Access to the UnitedHealthcare PPO Network, allowing students to receive care from participating doctors, hospitals, and healthcare providers nationwide.

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Includes optional Adventure Sports coverage for eligible recreational and hazardous activities.

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Offers coverage options suitable for students needing insurance for short-term or extended study periods.

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Student Journey Plus disadvantages

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Coverage is subject to a deductible, coinsurance, benefit limits, and maximum payable amounts, which may result in out-of-pocket expenses.

The plan is not designed to replace comprehensive U.S. domestic health insurance plans offered by some universities.

Routine preventive care, annual wellness exams, and non-emergency healthcare services may have limited coverage.

Pre-existing medical conditions are subject to policy limitations, waiting periods, and exclusions.

Certain benefits, including prescription drugs, mental health services, and specialized treatments, may have specific coverage limits.

View Details →

Pricing Guide

How Much Does Student Journey Plus Insurance Cost?

The cost of Student Journey Plus Insurance ranges from $48 to $195 per month, depending on the traveler’s age

Below is the monthly cost of Student Journey Plus insurance of coverage with a $500 deductible

Age of traveler
Age of traveler	Medical Maximum $300,000
Under age 18 - 24 years	$48
25 - 30 years	$93
31 - 40 years	$195

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

Real-World Example

How Student Journey Plus Works - A Real Claim Example

Using a $300,000 policy with $500 deductible and in-network (PPO) care:

Expense	Amount Billed	Insurance Pays	You Owe
Deductible	$500	$0	$500
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	$500

Result: On a $24,100 medical bill, you pay only $500 (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 Plus Insurance?

To file a claim with Student Journey Plus 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.

Step 04

Email Help

[email protected]

Common Questions

Student Journey Plus Insurance - FAQs

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.

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

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

Student Journey Plus 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 Plus Plan Comparison

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

Student Journey Plus Insurance Reviews 2026

IMG Student Journey Plus Insurance Reviews