International Student Health Insurance for Galen College of Nursing 2026
Affordable international student health insurance for Galen College of Nursing – Louisville, plans starting at just $1 per day.
Compare Student Insurance Plans for Galen College of Nursing
StudentSecure Smart
$47.16
- Plan Maximum $100,000
- Deductible $0
- descriptionPaper Application
- calendar_monthMonthly payment optioncheck
- sports_baseballSportscheck
- pregnant_womanMaternityclose
- ecg_heartCovers Acute on set of pre-existing conditions.
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Student Secure Budget
$47.16
- Plan Maximum
- Deductible
- descriptionPaper Application
- calendar_monthMonthly payment optioncheck
- sports_baseballSportscheck
- pregnant_womanMaternitycheck
- ecg_heartPre-existing conditions coverage after 6 months
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Patriot Exchange
$47.16
- Plan Maximum
- Deductible
- descriptionPaper Application
- calendar_monthMonthly payment optionclose
- sports_baseballSportscheck
- pregnant_womanMaternityclose
- ecg_heartPre-existing conditions coverage after 12 months.
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Student Health Advantage
$47.16
- Plan Maximum
- Deductible
- descriptionPaper Application
- calendar_monthMonthly payment optioncheck
- sports_baseballSportscheck
- pregnant_womanMaternity check
- ecg_heartPre-existing conditions covers after 6 or 12 months
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Health Insurance for International Students Cost in 2026 (F1 visa insurance)
The health insurance cost in USA for International students ranges between $30 to $115 per month for a 20-year-old student.
Most U.S. universities require F1 visa students to buy student health insurance in the USA. In many cases, schools mandate that students buy university-sponsored insurance, which is convenient but often more expensive.
The best medical insurance for students studying in the US offered on our website are cheaper. At American Visitor Insurance, we offer affordable alternatives that:
- Meet or exceed many university requirements
- Provide comparable coverage
- Allow students to save money
- Can include assistance with completing a university waiver form (if required)
Study abroad health insurance plans are also available for international students with M1 enrolled in vocational or technical training programs.
LimitationsSome international student insurance plans, such as Student Secure Select and Student Health Advantage, do not cover:
- Routine wellness checkups
- Preventive care services
Student Secure Smart
$47.16
- Plan Maximum $200,000
- Deductible $100
- descriptionPaper Application
- calendar_monthMonthly payment optioncheck
- personMental health Disorderscheck
- pregnant_womanMaternityclose
- ecg_heartCovers Acute on set of pre-existing conditions.
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Patriot Exchange
$47.16
- Plan Maximum
- Deductible $250
- descriptionPaper Application
- calendar_monthMonthly payment optionclose
- personMental health Disorderscheck
- pregnant_womanMaternityclose
- ecg_heartPre-existing conditions coverage after 12 months.
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Student Secure Select
$47.16
- Plan Maximum
- Deductible
- descriptionPaper Application
- calendar_monthMonthly payment optioncheck
- personMental health Disorderscheck
- pregnant_womanMaternitycheck
- ecg_heartCovers Acute on set of pre-existing conditions.
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BCBS Study Abroad
$47.16
- Plan Maximum
- Deductible
- descriptionBrochure
- calendar_monthMonthly payment optioncheck
- personMental health Disorderscheck
- pregnant_womanMaternity check
- ecg_heartPre-existing conditions covered with creditable coverage
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Safe Travels USA
$47.16
- Plan Maximum
- Deductible
- descriptionPaper Application
- local_hospitalUrgent carecheck
- pregnant_womanMaternity check
- ecg_heartCovers unexpected recurrence of Pre-existing conditions
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Visit USA Standard
$47.16
- Plan Maximum
- Deductible
- descriptionPaper Application
- local_hospitalUrgent carecheck
- pregnant_womanMaternity close
- ecg_heartCovers Acute on set of Pre-existing conditions
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Atlas America
$47.16
- Plan Maximum
- Deductible $0
- descriptionPaper Application
- local_hospitalUrgent carecheck
- pregnant_womanMaternity check
- ecg_heartCovers acute onset of pre existing conditions.
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Patriot Exchange
$47.16
- Plan Maximum
- Deductible $250
- descriptionPaper Application
- local_hospitalUrgent carecheck
- pregnant_womanMaternity close
- ecg_heartPre-existing conditions coverage after 12 months.
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Insurance coverage for F2 or J2 Visa holders
Spouse and Childrens of F1 and J1 visa holders are issued the F2 and J2 visas respectively. While J1 visa holders have insurance requirements mandated by the US consulate, given the high health care costs in the US, it is prudent for F2 and J2 visa holders to also have proper insurance coverage.StudentSecure Smart
$47.16
- Plan Maximum
- Deductible
- descriptionPaper Application
- sports_baseballSportscheck
- pregnant_womanMaternityclose
- ecg_heartPre-existing coveragecheck
- airplanemode_inactiveAvailable for full time students enrolled in a college.
- signal_cellular_alt_2_bar Excellent comprehensive Student insurance suitable for OPT holders
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Patriot America Plus
$47.16
- Plan Maximum
- Deductible
- descriptionPaper Application
- sports_baseballSportscheck
- pregnant_womanMaternityclose
- ecg_heartPre-existing coveragecheck
- airplanemode_inactiveDoes not have any arrival time restriction in the US
- signal_cellular_alt_2_bar Comprehensive plan for US citizens living abroad and Non US citizens visiting the US.
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Atlas America
$47.16
- Plan Maximum
- Deductible $0
- descriptionPaper Application
- sports_baseballSportscheck
- pregnant_womanMaternitycheck
- ecg_heartPre-existing coveragecheck
- airplanemode_inactiveDoes not have any arrival time restriction in the US
- signal_cellular_alt_2_bar Comprehensive visitor insurance plan and is available for OPT holders and H1 Visa holders
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Patriot Exchange Program
$47.16
- request_quotePlan Maximum
- Deductible $250
- descriptionPaper Application
- sports_baseballSportscheck
- pregnant_womanMaternityclose
- ecg_heartPre-existing coveragecheck
- airplanemode_inactiveDoes not have any arrival time restriction in the US
- signal_cellular_alt_2_bar Comprehensive plan suitable for OPT holders until they qualify for domestic plans.
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Plan options for students in OPT status
International students on the F1 visa are allowed to enroll for optional practical training(OPT). This allows students to work off campus, or work without being enrolled for coursework in the university. Since students in this OPT visa status are not enrolled in coursework, they will be ineligible for some student insurance plans. KNOW MOREStudent Secure Budget
$47.16
- Plan Maximum
- Deductible
- descriptionPaper Application
- sports_baseballCovers Sports activities, leisure, recreational,entertainment or fitness
- pregnant_womanMaternitycheck_circle
- signal_cellular_alt_2_bar Pre-existing conditions coverage after 12 months
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Patriot Exchange
$47.16
- Plan Maximum
- Deductible
- descriptionPaper Application
- sports_baseballCovers adventure sports rider for individuals and groups, and their dependents.
- pregnant_womanMaternityclose
- signal_cellular_alt_2_bar Pre-existing conditions coverage after 12 months
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Diplomat America
$47.16
- Plan Maximum
- Deductible
- descriptionPaper Application
- sports_baseballCovers athletic and hazardous activity as an optional rider.
- pregnant_womanMaternityclose
- signal_cellular_alt_2_bar 24 months waiting period for a pre-existing condition
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Student Secure Smart
$47.16
- Plan Maximum
- Deductible
- descriptionPaper Application
- calendar_monthMonthly payment optioncheck
- flightIncidental home country up to a cumulative 15 days
- pregnant_womanMaternityclose
- ecg_heartCovers Acute on set of pre-existing conditions.
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Student Secure Budget
$47.16
- Plan Maximum
- Deductible
- descriptionPaper Application
- calendar_monthMonthly payment optioncheck
- flightIncidental home country up to a cumulative 15 days
- pregnant_womanMaternitycheck
- ecg_heartPre-existing conditions coverage after 12 months.
Know More »
Patriot Exchange
$47.16
- Plan Maximum
- Deductible $250
- descriptionPaper Application
- calendar_monthMonthly payment optionclose
- flightIncidental home country up to a cumulative 14 days
- pregnant_womanMaternityclose
- ecg_heartPre-existing conditions coverage after 12 months.
Know More »
BCBS Study Abroad
$47.16
- Plan Maximum
- Deductible
- descriptionBrochure
- calendar_monthMonthly payment optioncheck
- flightPreventive care services available
- pregnant_womanMaternity (after 364 days)check
- ecg_heartPre-existing conditions covered with creditable coverage
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Galen College of Nursing Health Insurance for International Students
Galen College of Nursing requires students to maintain valid student health insurance throughout their program, especially due to clinical training and hospital-based coursework. International students, including F-1 visa holders, must carry insurance that meets both academic and clinical placement requirements.
Choosing the right Galen College of Nursing student insurance through American Visitor Insurance helps access to medical care, compliance with school rules, and protection during clinical rotations.
Why is Health Insurance Important for Nursing Students at Galen?
Healthcare cost in the USA is very expensive for international students at Galen College of Nursing - Louisville, so having the right student health insurance plan is recommended.
Even basic medical services such as doctor visits, diagnostic tests, or prescription medications can quickly become costly. As nursing students participate in clinical rotations and hospital training, health insurance is often required for clinical placements and medical exposure.
Galen College of Nursing - Louisville mandates all international students to have valid health insurance during their enrollment.
- Financial protection against unexpected medical expenses.
- Access to quality healthcare when needed.
Student Health Insurance Requirements for Nursing Students in USA
International students studying on an F-1 visa must have medical insurance that complies with the university's requirements given the high cost of US healthcare.
The F1 visa insurance must offer medical coverage, emergency evacuation, and repatriation benefits.
Most US colleges offer their own health insurance plans that fulfill the required coverage for international students. However, if a student already has comparable coverage from another provider, the university may allow a waiver of the school-sponsored plan.
Students must present proof of insurance coverage to their university's international student office before registration. Failure to do so may result in a hold on course registration.
Galen College of Nursing Student Health Insurance Requirements – Checklist
Understanding the health insurance requirements for nursing students in the USA is an important part of meeting the requirements to study nursing in the USA for international students, especially for programs that include hands-on clinical training.
To meet Galen College of Nursing insurance requirements, student health insurance should typically include:
Adequate medical coverage for illness and accidental injury
Access to doctors, hospitals, and specialists in the United States
Hospitalization and emergency medical services coverage
Mental health coverage (outpatient and inpatient)
Coverage valid during nursing clinical rotations and training
Proof of active insurance coverage for enrollment and physical form submission
What is the Cheapest Student Health Insurance for Galen College of Nursing - Louisville in 2026?
Cheapest student insurance for Galen College of Nursing - Louisville is the Student Journey Lite Insurance from IMG
Other affordable student insurance for nursing students options include:
Galen College of Nursing - Louisville Waiver Process
Medical coverage, emergency evacuation, and repatriation included.
Coverage dates align with your term of enrollment.
Meets any deductible/maximum limits specified by Galen College of Nursing - Louisville.
Completed waiver form
Insurance ID card and policy certificate
Submit to International Students/Health Office
How Much Does Galen College of Nursing Student Insurance Cost?
The cost of Galen College of Nursing student insurance ranges from $150 to $2,223 for a 6-month period, and from $360 to $4,447 for annual coverage, depending on the chosen plan and coverage level.
The cost of Galen College of Nursing - Louisville student medical insurance for international students depends 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. It’s important for international students to compare different plans to find the right plan and cost that fits their healthcare needs and budget.
How Much Does F1 Student Health Insurance Cost In the US in 2026
How much is low-cost medical insurance for international students in America? How much does Insurance for foreign students in America cost per month? How much does international student health insurance cost per month?
The F1 Visa Health Insurance Cost in the USA typically ranges from $30 to $124 per month, depending on the coverage level and benefits selected.
The monthly cost of F1 student health insurance in the USA shown below is based on coverage for students aged 20.
| Plan | Cost (Monthly) | Max Coverage | Deductible | Pre-existing | Best For |
|---|---|---|---|---|---|
| Student Journey Lite IMG | $30 | $150,000 | $100 | After 6 months | Budget-friendly basic coverage |
| StudentSecure Smart WorldTrips | $34 | $200,000 | $0 | Acute onset covered | Zero deductible + acute onset coverage |
| Student Journey Plus IMG | $48 | $300,000 | $500 | After 6 months | Higher coverage with affordable premium |
| Patriot Exchange Program IMG | $56 | $50,000 | $250 | After 12 months | Short-term students & adventure sports |
| StudentSecure Budget WorldTrips | $60 | $500,000 | $0 | After 12 months | Budget-friendly plan with higher coverage limits |
| Diplomat America Global Underwriters | $61 | $50,000 | $250 | After 12 months | Acute onset covered |
| Student Journey Platinum IMG | $74 | $500,000 | $250 | After 6 months | Comprehensive coverage with higher limits |
| StudentSecure Select WorldTrips | $112 | $1,000,000 | $0 | After 6 months | Maximum coverage & premium benefits |
| Student Health Advantage Standard IMG | $133 | $500,000 | $250 | After 12 months | Comprehensive student health coverage |
Source: American Visitor Insurance® | Prices verified for 2026 travel season.
International Student Health Insurance USA
Review international student insurance plan benefits
Which Is the Popular Health Insurance for International Students in USA 2026
The following are some of the best international student health insurance plans in USA:
- check_circle Pre-existing: Covered after 12 months
- check_circle Mental Health Outpatient: Max 50 visits; Inpatient: up to $10,000
- check_circle Network: First healthcare network or United HealthCare
- check_circle Renewable up to 24 months
- check_circle Pre-existing: Covers after 6 months
- check_circle Mental Health Outpatient: Max 40 visits, Inpatient: Up to 30 days
- check_circle Network: United HealthCare
- check_circle Renewable and extended up to 12 months
- check_circle Pre-existing: $25,000 up to policy maximum
- check_circle Mental Health: Physician Visits: Max 30 visits, Inpatient: Max 30 days
- check_circle Network: United HealthCare
- check_circle Renewable up to 4 years
- check_circle Pre-existing: Covers after 12 months
- check_circle Mental Health Outpatient: Max 50 visits, Inpatient: Up to $10,000
- check_circle Network: First healthcare network or United HealthCare
- check_circle Renewable up to 60 months
- check_circle Pre-existing: $25,000 up to policy maximum
- check_circle Mental Health: Physician Visits: Max 40 visits, Inpatient: Max 40 days
- check_circle Network: United HealthCare
- check_circle Renewable up to 4 years
- check_circle Pre-existing: Covered after 12 months
- check_circle Mental Health Outpatient: Max 50 visits, Inpatient: Up to $10,000
- check_circle Network: First healthcare network or United HealthCare
- check_circle Renewable up to 60 months
How International Student Health Insurance Works?
Before buying student insurance coverage, it's important to understand how your policy actually works. Many international students are unsure about deductibles, copays, provider networks, and pre-existing condition coverage. Whether you need international student health insurance in the USA or coverage that meets F1 visa requirements, understanding the basics helps you avoid unexpected medical expenses
- Purchase a plan online - Choose a student insurance plan that meets your visa or university requirements through American Visitor Insurance.
- Visit a doctor or hospital - Always prefer in-network providers (First Healthcare or UnitedHealthcare) to maximize your benefits and avoid higher out-of-pocket costs.
- Pay your deductible - This is the initial amount you cover before insurance kicks in. Higher deductibles mean lower monthly premiums.
- Insurance pays eligible expenses - After your deductible, the plan covers medical bills as per your policy terms — including hospitalization, surgery, and urgent care.
- Claims are processed or reimbursed - In-network providers bill the insurer directly. Out-of-network visits may require you to pay upfront and submit a reimbursement claim.
At American Visitor Insurance, we provide a detailed guide explaining how international student health insurance works, including how benefits are applied and how medical bills are processed, so you can confidently choose the right student medical insurance plan for your university requirements.
How International Student Insurance Works - Real Example
Using the Patriot Exchange Insurance as an example with a $25,100 medical bill:
| Expense | Amount Billed | Insurance Pays | Student Pays |
|---|---|---|---|
| Deductible | $100 | — | $100 |
| Hospital Room | $9,000 | $8,000 | $1,000 (20% coinsurance) |
| Surgery | $15,000 | $15,000 | $0 |
| X-ray & Diagnostics | $1,000 | $1,000 | $0 |
| Total | $25,100 | $24,000 | $1,100 |
How it works: After the $100 deductible, the plan pays 80% of the first $5,000 (student pays $1,000 coinsurance), then 100% of remaining eligible charges up to the policy maximum.
Disclaimer: We have made every effort to ensure the information above is accurate and current. However, policy terms, benefits, and limits may change periodically. Please refer to the official Patriot Exchange policy brochure for exact details.
Can I Buy Any Insurance Plan If My University Doesn’t Have Restrictions?
Yes. If your university does not require enrollment in a specific student health insurance plan or does not impose minimum coverage requirements, you are generally free to choose the insurance plan that best fits your needs and budget.
You can select either a student insurance plan or a travel medical insurance plan depending on what coverage you prefer.
If you prefer private or non-university health insurance plan instead of student-specific plans, you can consider these popular options:
What Are The Payment Options for International Students?
At American Visitor Insurance we offer flexible payment structures designed to make coverage more affordable and convenient.
Monthly payments with recurring installments. More flexible, but total cost is slightly higher - student must remember to pay on time to keep coverage active. Requires continuous enrollment and automatic billing.
Pay the full premium upfront for the entire policy period (usually one year). Cheaper than monthly payments and no risk of losing coverage by oversight. Requires a larger upfront cost.
Complete your application online and make a secure payment via credit card. Policy issued instantly. Most common method.
Submit printed forms and documents manually. Ideal for applicants without access to international credit cards or online banking. Pay by check. Processing takes a few days.
How can international students apply for insurance without online payment or a Credit Card?
For international students who are unable to complete an online purchase, some international student medical insurance plans offer a paper application option. This offline method is ideal for applicants who do not have access to international credit cards, online banking, or U.S.-based payment methods.
American Visitor Insurance assists international students with both paper applications and online insurance purchases. Students can apply without online payment by submitting required documents manually through a paper application, or they may complete enrollment online with step-by-step guidance from experienced representatives. Applications can also be coordinated through schools, sponsors, or program coordinators when needed.
With flexible payment options and multiple enrollment methods, American Visitor Insurance supports F1 students, OPT students, and international students buying health insurance from outside the United States, making it simple to secure reliable student medical insurance coverage before arriving on campus.
Mental Health Coverage for Galen College of Nursing Students
Galen College of Nursing emphasizes student wellness, including mental health support. Most nursing programs expect health insurance plans to include mental health coverage, such as counseling and psychiatric care.
While many student health insurance plans offer mental health benefits, budget nursing student insurance plans may limit outpatient visits, require higher copays, or restrict provider networks.
For students who need stronger mental health coverage, the following plans typically provide better benefits for outpatient therapy and inpatient mental health services:
Provides strong outpatient therapy and inpatient mental health benefits for international students.
Offers comprehensive mental health coverage including outpatient visits and inpatient care.
Delivers broader mental health benefits suitable for long-term nursing programs.
This coverage is especially important for long-term nursing students managing academic pressure, clinical training stress, or anxiety. Parents often prefer plans with broader mental health benefits to ensure reliable access to care throughout the nursing program.
Galen College of Nursing Physical Form & Insurance Proof
Most Galen campuses require students to submit a physical examination form and immunization records before starting clinical training. Health insurance is important because:- Medical visits for physical exams may require active health insurance
- Proof of insurance may be requested along with physical examination forms
- Clinical placements often require confirmation of valid health insurance coverage
Real Student Case Examples – Galen College of Nursing - Louisville
Case 1: Emergency Room Visit
A student at Galen College of Nursing - Louisville suddenly developed intense abdominal pain while living off-campus. After being taken to the nearest emergency facility, doctors diagnosed the student with acute appendicitis, requiring urgent surgery.
arrow_right_altLocation: Galen College of Nursing - Louisville, Kentucky
arrow_right_altMedical Situation: Acute appendicitis requiring emergency surgery
arrow_right_alt Emergency Costs: USD 9,300, including ER admission, diagnostics, surgery, and hospitalization
arrow_right_alt Insurance Response: Documents submitted digitally; claim processed without delay
arrow_right_altOutcome:Full reimbursement issued within 12 days
Note: International student insurance helps Galen College of Nursing - Louisville students manage unexpected high medical costs efficiently, allowing them to focus on recovery and academics.
Case 2: Waiver Approved
A newly admitted student at Galen College of Nursing - Louisville preferred to use their pre-purchased international student insurance instead of the default insurance plan.
arrow_right_altLocation: Galen College of Nursing - Louisville, Kentucky
arrow_right_altStudent Request: Submission of a health insurance waiver
arrow_right_altProcess: Submitted waiver form and benefits table proving the plan met the school's requirements (evacuation, repatriation, policy max, mental health, etc.)
arrow_right_altInsurance/School Response: Documentation reviewed within 48 hours
arrow_right_altOutcome: Waiver approved, avoiding duplicate coverage and reducing annual cost
Note: When coverage meets Galen College of Nursing - Louisville waiver standards, proper documentation and timely submission can result in quick approval and significant savings.
How to Choose the Right Student Health Insurance for Galen College of Nursing?
When choosing student health insurance for Galen College of Nursing - Louisville, international students should consider several key factors to make sure they have adequate protection and are compliant with school or visa requirements. Compare top-rated student health insurance plans for Galen College of Nursing - Louisville at American Visitor Insurance, plans that meet university waiver criteria and offer comprehensive coverage.
Galen College of Nursing - Louisville require students to enroll in their insurance plan or have other private insurance plans that complies with the university's requirements. At American Visitor Insurance, we offer plans that meet university waiver requirements.
Ensure that your chosen plan satisfies the minimum coverage requirements related to your visa status (for instance, J1 visa holders must have coverage with $100,000 medical benefits and $50,000 medical evacuation).
Look for plans that provide coverage for essential medical services such as doctor visits, hospitalization, prescription drugs, emergency services, and mental health.
Compare not only the premiums but also the deductibles, co-payments, and out of pocket maximums to determine which plans are in your budget.
Choose plans which have a wider provider network in Kentucky, especially around the Galen College of Nursing - Louisville area.
Check if your selected plan covers any pre-existing conditions and if there’s a waiting period.
Reliable customer service and a simple claims process, is important particularly when you are navigating through a foreign healthcare system.
What Are Common Mistakes to Avoid When Choosing Student Health Insurance For Galen College of Nursing - Louisville?
When selecting student medical insurance for Galen College of Nursing - Louisville as an international student, avoid these common mistakes:
Ignoring university waiver requirements
Many university enforce specific requirements for accepting alternative insurance. If your selected plan doesn’t meet university requirements, you may be forced to enroll in a more expensive university plan.
Delaying your purchase
Waiting until the last minute to purchase health insurance may limit your options, create coverage gaps, or cause you to miss out on school deadlines.
Choosing plans with sub-limits
Some student medical insurance plans may seem affordable with high policy maximums, but the specific services, like surgery or hospital stays, have lower sub-limits which will leave you with some unexpected out-of-pocket expenses.
Ignoring mental health and preventive care
Look for plans that include support for mental health services and wellness check-ups.
By carefully reviewing these factors and avoiding common mistakes as mentioned above, international students at Galen College of Nursing - Louisville can find the best student health insurance through American Visitor Insurance. Our platform makes it simple to compare plans, get quotes, and choose insurance that meets both Galen College of Nursing - Louisville's requirements and your individual healthcare needs.
What Does International Student Insurance Cover?
Covers doctor visits in case of sudden injury or sickness.
Some plans cover high school sports activities.
Repatriation of remains expenses to home country in case of death.
Expenses from sudden dental pain and accidental dental injuries.
Some plans offer coverage for pregnancy, maternity and new born.
Student Insurance for Pre-Existing Medical Conditions.
What Factors Determine International Student Health Insurance Cost?
- Younger students usually pay lower premiums.
- The prices for best health insurance for f1 students in USA increase with age due to higher medical risk.
- Whether it's a short summer program or a full multi-year degree, longer coverage = higher cost.
- Most student plans are priced monthly or daily, so your total cost scales with time.
- Some visas (like F-1 or J-1) or universities require a minimum coverage standard.
- This can increase cost if your plan needs an upgrade to meet the requirements.
- Budget plans cover essentials only (emergency care, accidents).
- Comprehensive plans include broader protection (checkups, mental health, maternity) — priced higher.
- A higher deductible reduces your monthly premium.
- Lower deductible = better emergency coverage, but increased plan cost.
- If the students need additional coverage for specific activities like adventure sports mental illness, preventive care services, home country would cost more.
- Plans typically range from $50,000 to $500,000+.
- Higher coverage = more protection, but also higher premiums.
- The cost of F1 student health insurance is less for lower medical maximum and increases with higher medical maximum coverage.
- Important to meet visa or university requirements.
For a detailed breakdown of these factors and tips on choosing the right plan, visit our guide on the factors for buying best student health insurance plan.
International Student Insurance Plans on American Visitor Insurance vs U.S. University Insurance
| Feature | American Student Insurance | U.S. University Health Insurance |
|---|---|---|
| Cost | More affordable, flexible monthly premium options | Expensive (USD 2,000–7,000/year depending on university) |
| Coverage | Strong emergency & hospitalization; varies by plan; optional add-ons | Comprehensive OPD, preventive care, mental health, prescriptions, campus clinic access |
| Networks | Broad national PPO networks; some reimbursement may apply | Local university-linked network with cashless billing at campus clinics & partner hospitals |
| Waiver | Often accepted if plan meets university waiver criteria | Default mandatory plan; waiver approval may be strict |
| Flexibility | Highly flexible—choose deductible, policy max, duration | Fixed structure tied to academic year; limited customization |
| Exclusions | More exclusions in basic plans (mental health, pre-ex, preventive care) | Fewer exclusions; designed to meet student compliance standards |
Why Buy International Student Insurance at American Visitor Insurance?
With over 20 years of experience, American Visitor Insurance is a trusted marketplace helping international students find affordable, university-compliant student health insurance while navigating the complexities of the U.S. healthcare system.
Side-by-Side Plan Comparison
AmericanVisitorInsurance.com is one of the leading platforms for comparing international student health insurance in the USA. Students can easily review multiple plans, compare pricing, check coverage levels, and understand policy features.
We offer plans from top-rated U.S. insurers such as IMG, WorldTrips, and Global Underwriters all in one place.
Coverage Designed for International Students
Whether you are an F-1 student, J-1 exchange visitor, OPT participant, CPT intern, language school student, or attending a U.S. university or high school, you can choose from plans that offer:
- University-compliant coverage
- Coverage valid anywhere in the U.S.
- Plans for dependents and spouses
- Student medical insurance for OPT status even without current coursework
- Student insurance for pre-existing condition coverage
- Sports insurance coverage for students
Affordable & Transparent Pricing
Our student plans are often much cheaper than university insurance, offering strong coverage at lower rates. You can get instant quotes, compare policies, and enroll online with no hidden fees.
Flexible Policy Options
- Purchase coverage from anywhere in the world
- Start your insurance immediately or schedule a future date
- Renew, extend, or cancel your policy online
- Keep your coverage active during OPT, STEM OPT, or while waiting for employment
Access to U.S.-Based PPO Networks
Many plans give access to large U.S. PPO networks like UnitedHealthcare, helping students:
- Reduce out-of-pocket costs
- Avoid upfront payments at many hospitals
- Enjoy smoother, faster claims processing
Expert Customer Support & Guidance
Our licensed and highly experienced support team is here to help you at every step:
- Answering plan and university requirement questions
- Guiding you through choosing the right student plan
- Helping extend or update your policy
- Available across time zones to assist students and parents abroad
- Instant support via phone, email, and chat so you always get quick, clear answers
- Guidance through purchase and documentation, ensuring you are never left navigating the process alone
- Personalized recommendations tailored for international students, OPT participants, and exchange visitors
- Support across time zones, ensuring students and parents abroad can reach us easily
Importance of Student Health Insurance While Studying Abroad
International students in the US amidst all the school work should not neglect buying proper student medical insurance. United States health care is known for its excellent quality, but is also known for its high cost.
International students cannot afford to visit an American hospital without proper student health insurance. We offer excellent student insurance plans at very affordable rates. Buy these low cost plans as an alternatives to your university insurance coverage.
Click here to read moreHaving adequate student insurance while outside the United States is very important. Healthcare is expensive in most countries, and you do not want to be uninsured and forced to visit a hospital while outside the United States.
As an international student it is also reassuring to have coverage for medical evacuation should the need arise. It is these unique student needs that are covered in our international student insurance plans. All our international student medical insurance plans are offered by reputed US insurance providers.
Click here to read moreIs It Better to Buy High School Students Group Insurance?
High school students traveling overseas for trips ranging from a couple of days to a couple of weeks need to have good student insurance. US students going to Canada, Europe and Latin America which are popular destinations usually as part of a cultural experience or for learning a foreign language should consider buying group student insurance. International Student group travel insurance is cheaper than buying individual student insurance plans.
GET YOUR QUOTES!What Are the Sports Covered in College Sporting Team Group Insurance?
Most international travel insurance plans do not cover sporting activities. Coverage for sporting activities is however available in specific student insurance plans. Some of the popular sporting team which travel overseas are college athletic teams, soccer teams, basketball teams, football teams, field hockey teams, ice hockey teams, Gymnastics teams, rowing teams, Tennis groups and Volleyball teams.
US students traveling overseas can buy the student insurance plans with coverage for sporting activity. Buying a student group insurance plan with sports coverage is more affordable than buying individual student insurance. Please complete this form to get student group insurance quotes.
We have several years of expertise in identifying and providing the most appropriate group insurance plan for student groups. Do you need to satisfy specific university or different consulate requirements, we will help you satisfy those requirements. Setting up a group insurance plan can be time consuming, however we can do the hard work for you. We can set up the group plan such that on completing a single credit card transaction, all the insurance cards can be issued to a single address.
GET YOUR QUOTES!What Is the Best Insurance for International Student Athletes?
The best insurance for international student athletes in the USA depends on the type of sport, level of participation, and university requirements. There are several U.S. student health insurance plans that cover sports activities, but coverage details, limits, and eligibility can vary by plan.
Because sports coverage differs by sport intensity and risk level, there is no single “best” plan for every student athlete. Instead, students should choose a plan that offers the appropriate sports rider and meets school, visa, and athletic program requirements.
At American Visitor Insurance, we offer a range of sports health insurance plans for international students designed for recreational, intercollegiate, and competitive sports participation.
Top Sports Insurance Plans for International Students
Diplomat America & Diplomat LongTerm Insurance (Global Underwriters)
Best for: International students participating in intercollegiate sports
- Designed specifically for student athletes
- Allows students to select a sports rider based on risk level: Low, Medium, or High
- Maximum benefit payout: $20,000 per covered sports-related injury or illness
- Can be extended
- Offers worldwide coverage
- Minimum purchase period: 90 days
- Cannot be extended or renewed
- Offers coverage in the USA
- Minimum purchase period: 15 days
Sports Rider Options - Diplomat Insurance
| Coverage level | Monthly Add-On Cost | Sports covered |
|---|---|---|
| Low Option | $12 | Ballet, Baseball, Cheerleading, Cross Country, Diving, Equestrian, Fencing, Field Hockey, Golf, Horse Polo, Water Polo, Rowing, Softball, Surfing, Swimming, Tennis, Track & Field, Volleyball |
| Middle Option | $26 | Basketball, Competitive Cycling (Road, Track, CX), Ice Hockey, Inline Skating (with helmet/proper gear), Lacrosse, Martial Arts/Karate, Modern Pentathlon, Skiing (Slalom, Giant Slalom, Downhill), Ski Jumping and Wrestling |
| High Option | $80 | Football (No Division I), Gymnastics, Rugby (No Division I) and Soccer |
Best for: Budget-conscious students and high school sports teams
- More affordable student insurance compared to Diplomat plans
- Patriot Exchange insurance cost starts at $73 per month (young adult, without rider)
- Coverage up to $250,000 with a $100 deductible
- Does NOT cover varsity sports regulated by: National Collegiate Athletic Association (NCAA) and National Association of Intercollegiate Athletics (NAIA)
Best for: Flexible sports and recreational activity coverage
- Student Secure Select and Elite plans cover:
- Intercollegiate sports
- Interscholastic sports
- Intramural sports
- Club sports
- Covers sports-related medical expenses up to $5,000 per injury or illness
- All four plan levels (Smart, Budget, Select, Elite) include coverage for:
- Leisure activities
- Recreational sports
- Fitness and entertainment activities
- Benefits are available up to the plan’s overall maximum, depending on the selected plan level
Student Sports Group Travel Insurance
Best health insurance for international student Athletes
What is the Best Health Insurance For F-1 Students On OPT Status?
The best student health insurance plan for someone on OPT status is generally the Atlas America insurance. If you are not concerned about COVID-19 as an illness, you can choose Atlas Essential insurance which is cheaper than the Atlas America plan because it excludes COVID coverage. The plan is a good comprehensive plan from a major visitor insurance company and has excellent ratings.
In part, the reason it is a good plan is that it doesn’t matter how long you’ve been in the US AND you can enter a US mailing address (you do not need to provide a residence address abroad) which can make the most sense for someone who has been in country for a long time. If you are OK putting a foreign address down as your residence address, other policies are possible, but some will not allow you after you have been in the US more than one year so be aware of that.
Best Galen College of Nursing International Student Insurance FAQs
- IMG Student Journey Insurance: This plan covers optional adventure sports coverage up to the age of 65 years.
- 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 the cheapest insurance for 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 Student Health Insurance Reviews
"After rigorous searching for suitable student health insurances online, I stumbled upon the American visitor Insurance website and the customer representatives were really patient and helpful in guiding me with the best plan that suits me."
"Your customer service provided me with perfect service and helped me very much to find policy I needed (for J2 visa). She was very polite and answered all my questions. I'm fully satisfied with the service. Thank you very much!"
Best Health Insurance for International Students in USA
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Read More »Galen College of Nursing - Louisville F1 visa health insurance - Disclaimer
The information presented on American Visitors Insurance is for providing resources for international students. The resource provided here is in no any way intended to indicate any relationship between your Galen College of Nursing - Louisville and our company. International students should verify directly with the concerned Galen College of Nursing - Louisville to confirm whether this student insurance meets your university student insurance requirements.
