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Best Health Insurance for International Students in New York

International student medical insurance cost New York

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Why do international students need health insurance in New York?

Healthcare in the USA is very expensive and is not free for international students. While many Universities offer student insurance but these plans are quite expensive. Given that there is no f1 visa health insurance requirements mandated by US consulates, and unless the University insists on the College insurance plans, students can compare international student insurance plans offered by popular US student insurance providers and buy the F1 student health insurance that they like best.

Which New York colleges have the largest number of international students?

International Student Information

  • 82,436 total international students
  • 6.0% of all students
  • $2.6-billion spent by international students

List of universities in New York for international students

Hebrew Union College-Jewish Institute of Religion, New York Helene Fuld College of Nursing, New York
Herkimer County Community College, Herkimer Hilbert College, Hamburg
Hobart William Smith Colleges, Geneva Hofstra University, Hempstead
Houghton College, Houghton Hudson Valley Community College, Troy
Holy Trinity Orthodox Seminary, Mohawk Hostos Community College, Bronx
Island Drafting and Technical Institute, Amityville Ithaca College, Ithaca
ITT Technical Institute-Getzville, Getzville Iona College, New Rochelle
Jamestown Business College, Jamestown Jamestown Community College, Jamestown
Jefferson Community College, Watertown Jewish Theological Seminary of America, New York
John Jay College of Criminal Justice, New York Juilliard School, New York
Katharine Gibbs School-New York City, New York
Kehilath Yakov Rabbinical Seminary, Ossining Keuka College, Keuka Park
Kol Yaakov Torah Center, Monsey Laboratory Institute of Merchandising, New York
Le Moyne College, Syracuse Long Island Business Institute, Commack
Long Island College Hospital of Brooklyn School of Nursing Long Island University-Brentwood, Brentwood
Long Island University-Brooklyn Campus, Brooklyn Long Island University-C W Post Campus, Brookville
Long Island University-C W Post Campus, Brookville Long Island University-Riverhead, Riverhead
Long Island University-Rockland Campus, Orangeburg Long Island University-University Center, Brookville
Long Island University-Westchester Campus, Purchase LIM College, New York
Machzikei Hadath Rabbinical College, Brooklyn Mandl The College of Allied Health, New York
Manhattan College, Bronx Manhattan School of Music, New York
Manhattanville College, Purchase Maria College of Albany, Albany
Marist College, Poughkeepsie Marymount Manhattan College, New York
Medaille College, Buffalo Memorial Hospital School of Nursing, Albany
Mercy College-Main Campus, Dobbs Ferry Mesivta of Eastern Parkway-Yeshiva Zichron Meilech, Brooklyn
Mesivta Torah Vodaath Rabbinical Seminary, Brooklyn Mesivtha Tifereth Jerusalem of America, New York
Metropolitan College of New York, New York Mildred Elley School, Latham
Mirrer Yeshiva Cent Institute, Brooklyn Mohawk Valley Community College-Utica Branch, Utica
Molloy College, Rockville Centre Monroe College-Main Campus, Bronx
Monroe College-New Rochelle, New Rochelle Monroe Community College, Rochester
Morrisville State College, Morrisville Mount Saint Mary College, Newburgh
Mount Sinai School of Medicine, New York Nassau Community College, Garden City
Nazareth College, Rochester New York Academy of Art, New York
New York Career Institute, New York New York Chiropractic College, Seneca Falls
New York College of Health Professions, Syosset New York College of Podiatric Medicine, New York
New York College of Traditional Chinese Medicine, Mineola New York Institute of Technology-Central Islip, Central Islip
New York Institute of Technology-Manhattan Campus, New York New York Institute of Technology-Old Westbury, Old Westbury
New York Law School, New York New York Medical College, Valhalla
New York School of Interior Design, New York New York University, New York
Niagara University, Niagara University North Country Community College, Saranac Lake
Northeastern Seminary, Rochester -
New York Film Academy Ohr Hameir Theological Seminary, Peekskill
Ohr Somayach, Monsey Onondaga Community College, Syracuse
Orange County Community College, Middletown Pace University-New York, New York
Pacific College of Oriental Medicine-New York, New York Paul Smiths College of Arts and Science, Paul Smiths
Phillips Beth Israel School of Nursing, New York Polytechnic Institute of New York University, Brooklyn

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International Student Insurance New York - Disclaimer

The information presented on American visitors insurance is for providing resources and health insurance for students in New York. The resource provided here is in no any way intended to indicate any relationship between your New York school/college/university and our company. International students should verify directly with the concerned New York school/college/university to confirm whether this health insurance for college students in New York meets the university F1 visa student insurance requirements.

What does international student insurance cover?

What are the health insurance requirements for international students in New York?

The health insurance requirements for international students in New York generally include the following:

  • New York University (NYU): International students are required to have health insurance. Students are automatically enrolled in the NYU-sponsored plan, with an option to waive it if they meet the minimum coverage criteria.
  • University at Buffalo (UB): International students must carry health insurance available through SUNY or comparable coverage.
  • Stony Brook University: Full-time, matriculated international students are automatically enrolled in the student health insurance plan.
  • New York State Health Insurance Options: International students may be eligible to enroll in Qualified Health Plans through the New York State of Health Marketplace, and potentially access the Essential Plan.
  • Review University Policies: Each institution has specific health insurance requirements. Contact your university’s international student office for detailed guidance.
  • Verify Coverage: If you opt for a private insurance plan, ensure it meets university and visa requirements, including those for J-1 visa holders.
  • Mandatory Coverage: Most universities and colleges in New York require international students to have health insurance as a condition of enrollment.
  • University specific plans: Many universities 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, they may be allowed to waive the university's plan.
  • Enrollment and Verification: 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.
  • Dependent Coverage: If international students have dependents, they must also ensure that their dependents are covered under an adequate health insurance plan.

What are the types of student insurance plans for international students in New York?

University Sponsored Health Insurance Plans

University health insurance plans are health coverage options provided directly by universities to their students, including international students. These plans are designed to address the unique healthcare needs of students during their time at the university. These plans are designed to address the unique healthcare needs of students during their time at the university.

For international students, these plans offer comprehensive coverage that typically includes medical services like doctor visits, hospital stays, prescription medications, mental health support, and sometimes dental and vision care. Enrollment in these plans is often mandatory for international students, with the cost included in their tuition fees to ensure coverage from the start of their academic program.

University sponsored health insurance plans in New York provide comprehensive coverage but often quite expensive. The cost, often included in tuition and mandatory fees, can put a financial strain on students, especially those with limited budget. In cases where students prefer a different plan, some universities in New York offer an opt-out option, allowing students to waive the university-sponsored plan by providing proof of equivalent private health insurance.

Student health insurance plans on American Visitor Insurance for international students in New York

In the US there are reputed private insurance providers who offers greater flexibility and benefits, allowing you to choose between ‘basic coverage’ or ‘full’ coverage. This enables you to reduce your insurance costs while still ensuring adequate protection for common medical situations, such as emergencies, or unexpected illnesses. This is an alternative to university-sponsored insurance, providing international students in New Yorkwith more flexibility and customization in their coverage.

What to except from alternate student health insurance available on American Visitor Insurance?
  • You can customize your plan to meet your specific healthcare needs and budget
  • Private plans allows you to choose level of coverage, deductible (the amount you pay out of pocket before insurance kicks in), and benefits that best suit you
  • You can opt for additional coverage, such as for pre-existing conditions, maternity care, mental health services, or sports injuries, which may not be included in university-sponsored plans.
  • If you're bringing family members on an F2 visa, many private health insurance plans allow you to add them to your policy, offering convenient coverage for your dependents.
  • Offers coverage for emergency medical evacuation or repatriation, ensuring you are protected in case of serious illness, injury, or death.

Foreign students on F1 visas studying in New York can compare and buy students insurance on American Visitor Insurance. For more details, please contact us at (877)-340-7910 or email, and one of our licensed agents will help you find the best international student insurance.

Why is medical insurance important for international students in New York?

In the USA, healthcare isn’t free and given the high cost of healthcare in the US, student health insurance is very important. Routine doctor visits, diagnostic tests, or treatments can quickly add up to thousands of dollars. Students medical insurance not only provides financial protection but also ensures access to quality healthcare when needed. For International students in New York having healthinsurance is strongly recommended. Most universities in New York also require international students to have health insurance.

Student Medical Insurance

How much does F1 visa health insurance cost?

American Visitor Insurance offers cheap health insurance for f1 students in USA. Plans like Student Student Secure Smart and Student Secure budget are designed to meet the needs of international students studying abroad.

Features Student Secure Smart Student Secure budget
Cost* $32 $53
Medical Maximum $100,000 $250,000
Deductible $0 $0
Payment Option Monthly or Annual Monthly or Annual
Paper Application Application Application
Pre-existing condition Covers acute onset of pre-existing conditions Covered after 12 months
Medical Evacuation $50,000 maximum $250,000 maximum
Maternity Not Covered Up to $5,000
Hospital copayment $200 per visit $150 per visit
Urgent care $100 co-payment $75 co-payment
Local Ambulance $300 per injury $500 per injury

* The cost of F1 visa health insurance per month for an international student aged 20 years.

What is the best health insurance for OPT students?

OPT (Optional Practical Training) insurance is designed for international students on an F1 visa who are working in the U.S. after graduation. It provides essential health coverage during the OPT period, ensuring protection against high medical costs in the U.S. The best student health insurance plan for someone on OPT status is generally the Atlas America insurance.

Features Atlas America Patriot Exchange Program
Cost # $50 $70
Medical Maximum $50,000 $50,000
Deductible $250 $250
Payment Option Monthly or Annual Annual
Paper Application Application Application
Pre-existing condition Covers acute onset of pre-existing conditions Covered after 12 months
Medical Evacuation $1,000,000 maximum $50,000 maximum
Maternity Covered Not covered
Repatriation Equal to overall maximum limit $100,000
Urgent care $15 co-payment $50 co-payment
Sports coverage Sports & activities Optional adventure sports

# The cost of OPT student health insurance per month for an international student aged 25 years.

How is student medical insurance cost calculated in the USA?

  • Student's age: The student's age determines the cost of US student medical insurance. Students under age 20 can expect health insurance costs ranging from $32 to $460 per month, or $400 to $4,200 per year. The prices for best health insurance for f1 students in USA increases with the age of the student.
  • Length of health insurance for F1 students: The cheapest student health insurance in the US can be either monthly or on a daily basis. The price increases with the duration of coverage required.
  • Maximum F1 student insurance coverage: Travel health insurance cost in USA for international students is directly dependent on the medical maximum coverage required. The cost of F1 student health insurance is less for lower medical maximum and increases with higher medical maximum coverage.
    Click here to read more »

Best health insurance for international medical graduates in USA

What is the best health insurance in New York for international students?

Here are some of the best health insurance providers in New York:
  • Student Secure Insurance: by WorldTrips provides excellent insurance cover to international students and scholars outside their home country. This plan is ideal for J1 and F1 and OPT students.
  • Student Health Advantage: by IMG designed for International students or Cultural Exchange scholars. This plan covers covers Maternity Newborn Care.
  • Patriot Exchange Insurance: by IMG designed for International students or Cultural Exchange scholars. It is a very affordable plan and meets J visa requirements and F Visa for international students.
  • Geoblue Navigator for Student: by GeoBlue offers worldwide coverage for international students and faculty outside their home country. Offers Unlimited annual and lifetime medical maximum.

What is the cheapest health insurance in New York for international students?

The affordable international student health insurance in New York is the StudentSecure Smart plan. The cost for this plan starts at around $32 per month, providing coverage up to $100,000 with a $0 deductible. This plan is designed to meet the needs of international students while studying in the U.S. and offers essential medical benefits.

How does one find the best health insurance as an international student in New York?

Comparing international students insurance is easy on American Visitor Insurance ! Some institutions have specific requirements that must be met and others don’t. Check those first. If you want to be able to pay monthly (most require a one-time payment), then the Student Secure insurance offered by World Trips are a great option. You can choose to purchase them monthly (so you will be charged each month on a credit card) or as a one-time fee.

Note that there are four levels of the plan (Smart, Budget, Select, and Elite) which allows you to customize your plan and only get what you want or need without over paying for coverage you don’t want or need. You can compare Student Secure Insurance plan benefits and coverage. If you need help figuring out your institution’s requirements, give us a call and we’ll be happy to find something that will work for your situation! We can also help provide the student insurance waiver form that is required by some universities.

Cheapest health insurance for international students in USA – FAQ's

1. Do F1 students need health insurance for New York?

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. It is advisable buy cheapest health insurance for students before anything emergency situation arises so that you do not find yourself in serious debt.

2. Can international students get health insurance for New York?

Yes, International students can definitely get student medical insurance, we offer many medical insurance for college students in New York options on American Visitor Insurance. Quite often, the universities themselves offer student insurance, however this can be expensive. College student health insurance for New York 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.

3. Can international students get medicare?

No. International students are not eligible for Medicare. Medicare is a US government program only available to US citizens or US permanent residents who have paid into the US system.

4. What is international student health insurance?

International student health insurance is health insurance coverage for individuals who are studying abroad either short or long term while away from their home countries. Many of the US domestic health insurance plans may not cover a person fully while abroad. Also, some international programs may require certain levels of health insurance while participating in their programs. Luckily, we at American Visitor Insurance have made it easy to compare and find a student health insurance plan just right for you and your situation.

Not on a F1 visa? Please review these other visa categories

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J1 visa holders

Insurance for Exchange scholars satisfying visa requirements

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F2 dependents

Insurance plans for dependents of an F1 visa holders.

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US Student Abroad

Best health insurance for students studying abroad

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J2 dependents

Insurance for J2 visa dependants satisfying visa requirements.

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OPT Status within F1 visa

Insurance plans for students on OPT status, OPT student insurance.

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M1 visa holders

Medical insurance for students on vocational training.

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Health Insurance for International Students resources

Student sports group travel insurance

Best health insurance for international student Athletes.

Students health insurance in New York - information

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Student medical insurance blogs

Blog about buying international Student medical health insurance.

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Student travel insurance resources

Some useful resources to help you understand Student health medical insurance.

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Student medical Insurance FAQ

Frequently Asked Questions to compare and buy Student travel insurance.

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New York student health insurance – Blogs

Which are the best insurance companies for international students in USA?

You can find reliable US insurance providers like International Medical Group(IMG), WorldTrips, GeoBlue insurance.

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