• Ideal for J1 and F1 visa holders who are engaged in a full-time educational program.
  • Meets most requirements set by: Department of State, USCIS, NAFSA and University Study Abroad Programs.
  • Provides coverage for pre-existing conditions after 6 or 12 months of continuous coverage.
  • Can be renewed up to four years of continuous coverage.
 
Study USA Insurance links

Customer care
Comprehensive
 

Plan Benefits of Study USA insurance

Age
Start Date
End Date
Coverage
Citizenship
Study USA Basic
Plan Maximum
$200,000
$200,000
Deductible
$100
Study USA Standard
Plan Maximum
$200,000
$200,000
Deductible
$50
Study USA Preferred 300
Plan Maximum
$300,000
$300,000
Deductible
$45
Study USA Preferred 500
Plan Maximum
$500,000
$500,000
Deductible
$25
Pre-existing Conditions Waiting Period
No Coverage $500 maximum per certificate period; 12 months waiting period 12 months waiting period 6 months waiting period
Maximum per injury or illness
$100,000 $100,000 $300,000 $500,000
Deductible (except emergency room)
$100 in network / $150 out of network $50 in network / $150 out of network $45 in network / $90 out of network $25 in network / $50 out of network
ER Deductible
$500 per incident $350 per incident $250 per incident $100 per incident
Coinsurance inside the U.S.
In network: 80% after deductible, up to overall maximum limit
Out of Network: Plan pays 100%
In network: 80% after deductible, up to $25,000, then overall maximum limit
Out of Network: Plan pays 100%
In network: 80% after deductible, up to $25,000, then overall maximum limit
Out of Network: Plan pays 100%
In network: 80% after deductible, up to $25,000, then overall maximum limit
Out of Network: Plan pays 100%
Coinsurance outside the U.S.
Plan pays 100% Plan pays 100% Plan pays 100% Plan pays 100%
Local Ambulance
$300 per injury or illness $350 per injury or illness $350 per injury or illness $350 per injury or illness
Prescription Drugs
For outpatient prescription 50% of actual charges $10 deductible for generic drugs
$20 deductible for brand name
$10 deductible for generic drugs
$20 deductible for brand name
$10 deductible for generic drugs
$20 deductible for brand name
Wellness
Not Avaliable 100% of one routine physical exam per member 100% of one routine physical exam per member 100% of one routine physical exam per member
Physical Therapy & Chiropractic Care
Up to $25 per visit per day Up to $50 per visit per day Up to $50 per visit per day Up to $75 per visit per day
Dental Treatment due to Accident
Not Available Not Available $1,000 maximum per certificate period $1,000 maximum per certificate period
Dental Treatment due to Alleviate pain
Not Available Not Available $100 $100
Intercollegiate Interscholastic, Intramural or club sports
Not Available $2,500 maximum per injury or illness. Medical Expenses Only $5,000 maximum per injury or illness. Medical Expenses Only $5,000 maximum per injury or illness. Medical Expenses Only
Mental Health Disorders
Outpatient $50 max per day, $500 max;
Inpatient Up to $5,000 (excludes drug and alcohol abuse).
No treatment at student health center
Outpatient $50 max per day, $500 max;
Inpatient Up to $5,000 (excludes drug and alcohol abuse).
No treatment at student health center
Outpatient $50 max per day, $500 max;
Inpatient Up to $10,000 (includes drug and alcohol abuse).
No treatment at student health center
Within PPO 80% of eligible expenses; Outside PPO up to overall maximum limit
Outside U.S. 100% coinsurance
No treatment at student health center (includes drug and alcohol abuse).
Maternity care for covered pregnancy
Not Avaliable IN PPO NETWORK: 80% of eligible expenses; OUT OF PPO NETWORK: Up to the overall maximum.
Outside US: 100% coinsurance up to overall maximum
IN PPO NETWORK: 80% of eligible expenses; OUT OF PPO NETWORK: Up to the overall maximum.
Outside US: 100% coinsurance up to overall maximum
IN PPO NETWORK: 80% of eligible expenses; OUT OF PPO NETWORK: Up to the overall maximum.
Outside US: 100% coinsurance up to overall maximum
Repatriation of Remains
$25,000 lifetime maximum $25,000 lifetime maximum $25,000 lifetime maximum $25,000 lifetime maximum
Terrorism
Up to $50,000 lifetime maximum Up to $50,000 lifetime maximum Up to $50,000 lifetime maximum Up to $50,000 lifetime maximum
Accidental Death and Dismemberment
Up to $10,000 lifetime maximum Up to $25,000 lifetime maximum Up to $25,000 lifetime maximum Up to $25,000 lifetime maximum
Emergency Reunion
Up to $1,500, maximum of 15 days Up to $2,500, maximum of 15 days Up to $2,500, maximum of 15 days Up to $5,000, maximum of 15 days

Review Study USA Advantages and disadvantages

Study USA Insurance Advantages

  • Comprehensive coverage plan with benefits per incident.
  • This plan covers international students studying in US and US students studying outside the US.
  • Meets JVisa requirements.
  • Option for family coverage.
  • This plan meets most of the requirements set by Department of State, Immigration and naturalization services, NAFSA and university study abroad programs.
  • Initially can be purchased for one year and can be renewed later.
  • Policy has to be renewed within 30 days following the end of their current coverage period to avoid a lapse in coverage.
  • This plan covers for repatriation of remains, medical evacuation, AD&D, mental or nervous disorders and alcohol & substance abuse benefits, concierge services, dental treatment, therapeutic termination of pregnancy and ID theft service.
  • Copay for prescription drugs-After you pay the deductible, $10 for generic and $20 for brand names.
  • For medical expenses up to $25,000, coinsurance within the network or outside the US, plan pays 80% and then pays up to 100% of covered expenses. Coinsurance out of the PPO network, plan pays 70% of the eligible medical expenses.
  • Waiver of deductible if medical service is first received from the student health center.
  • Round the clock emergency assistance for medical services, arranging communication between insured, insured family, doctors, legal emergencies etc.

Study USA Insurance Disadvantages

  • The benefit for US students studying abroad is only $5000 for mental or nervous disorders and alcohol & substance abuse benefits.

What are some insurance terms important in Study USA Insurance reviews?

  • Plan Maximum coverage of Study USA student insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Study USA insurance offers plan maximum coverage of $200,000, $300,000 and $500,000 are available.
  • What is a deductible in Study USA visitors insurance?
    This is the initial amount the student needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible.Study USA insurance has deductible options are $25, $45, $50 and $100.
  • What is a provider network of Study USA Medical Insurance?
    It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
  • What is coinsurance in Study USA visitor insurance?
    This is a percentage of the bill that the student has to pay. Study USA plan pays 100% outside USA.
    For coverage inside USA:
    Study USA insurance pays
    IN PPO NETWORK
    Plan pays 80% after deductible, up to overall maximum limit.
    OUT OF PPO NETWORK
    Plan pays 100%.
  • Renewability of Study USA student health insurance
    Study USA Insurance plan up to 364 consecutive days of coverage and can be renewed up to four years of continuous coverage.
  • Eligibility to buy Study USA Insurance Online
    It is an ideal for J1 and F1 visa holders who are engaged in a full-time educational program.
  • Study USA Insurance underwritten by HCC Lloyd’s Syndicate 4141 and rating "A" (Excellent) by AM Best Rating.

A working example of using Study USA student insurance (Offered by Travel insure) *

Let us take an example: The medical bill is $25,000; Deductible is $100 and choosen Policy Maximum is $50,000.
  • Insurance coverage is $50,000
  • Deductible is $100 per certificate period
  • Coinsurance for claims incurred inside Outside U.S:After the deductible, The plan will pay 100% up to the policy limit
  • Your claims for medical expenses is $25,000
The Study USA student insurance plan covers set amount up to a maximum of $50,000. The insured must pay the deductible ($250). After that, the insurance company pays fixed amount as defined in the policy for specific treatment. In hypothetical case, the insured has to pay the difference between the amount insurance pays and the actual billed amount.
study usa international student health insurance
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Hospital Room Rent $9,000 $9,000 $0
Surgery $15,000 $15,000 $0
X Ray $1,000 $1,000 $0
Total $25,000 $25,000 $0
* Disclaimer:- We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.

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