What does international student insurance cover?
Doctor Visit
Covers doctor visits in case of sudden injury or sickness.
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Sports Activities
Some plans cover high school sports activities.
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Repat of Remains
Repatriation of remains expenses to home country in case of death.
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Dental Coverage
Expenses from sudden dental pain and accidental dental injuries.
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Maternity Coverage
Some plans offer coverage for pregnancy, maternity and new born.
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Pre-existing Conditions
Student insurance who need coverage for existing medical ailments.
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What are the international student health insurance requirements?
International students in California are usually required to have health insurance as a condition of enrollment. Here are the main requirements:
- Mandatory Coverage: All F-1 and J-1 visa students must purchase health insurance before registering for classes. This requirement is enforced by various universities within the California State University (CSU) system and other institutions.
- Minimum Coverage Levels: Insurance policies must usually have at least $100,000 in medical benefits per accident or illness and also include coverage for medical evacuation and repatriation.
- 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.
Why is medical insurance important for international students in the US?
In the USA, healthcare isn’t free. Given the high cost of healthcare in the US, medical services can be very expensive. Routine doctor visits, diagnostic tests, or treatments can quickly add up to thousands of dollars. This is where health insurance comes in. If you have sufficient coverage, and the medical treatment you are seeking is covered by the insurance, then you will have to pay nothing out of pocket.
Health insurance not only provides financial protection but also ensures access to quality healthcare when needed. International student insurance is strongly recommended for the students in the USA. That’s because most universities in the USA require international students to have health insurance.
What are the types of student insurance plans for international students?
University Sponsored Health Insurance Plans
University sponsored health insurance plans are health coverage options provided directly by universities to their students, including international students. These plans are specifically 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 for international students can be quite expensive. The cost, often included in tuition and mandatory fees, can put a financial strain on students, especially those on a tight budget. In cases where students prefer a different plan, some universities offer an opt-out option, allowing students to waive the university-sponsored plan by providing proof of equivalent private health insurance.
Private health insurance plans on American Visitor Insurance
It is an alternative to university-sponsored insurance, providing international students with more flexibility and customization in their coverage. Private health insurance offers more flexibility, it’s essential for students to ensure that the plan meets the requirements of their university.
What to except from private health 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.
Private insurance offers greater flexibility and benefits, allowing you to choose between ‘minimum necessary’ or ‘full’ coverage. This enables you to reduce your insurance costs while still ensuring adequate protection for common medical situations, such as routine check-ups, emergencies, or unexpected illnesses. Students can compare and buy insurance plans on American Visitor Insurance online. 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.
Student health insurance USA cost calculator in 2025
How much is insurance for international students in the USA?
The international student health insurance cost per month ranges from around $30 to $463. The price depends on different factors like the age of the student, the duration, the medical coverage, the deductible and the co-insurance for the plan. Additionally the student health insurance cost in the US also depends on coverage for mental illness, dental expenses, hazardous sports, maternity and coverage for pre-existing ailments. Here at American Visitor insurance we have calculated the cost of health insurance for international students to help you compare and make an informed choice while buying the plan.
* The cost of health insurance for an international student per month aged 20 years.
What does Atlas MedEvac insurance offer for international students?
Many international students already have insurance for their time abroad but need evacuation and repatriation coverage to meet their school or visa requirements. These students choose Atlas MedEvac insurance. This supplemental plan can provide the coverage you need without the added benefits and cost.
- Available for non U.S. citizens traveling to the United States or any destination outside their home country
- Lifetime Maximum: Coverage up to $75,000
- Deductible: $0
- Emergency Medical Evacuation: Up to $50,000
- Repatriation of Remains: Up to $25,000
- Local Burial or Cremation: Up to $5,000
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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. 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: The cost of health insurance for international students in the US 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.
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Best health insurance for international medical graduates in USA
Cheapest health insurance for international students in USA – FAQ's
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.
Yes, International students can definitely get student medical insurance, we offer many medical insurance for college students in North carolina options on American Visitor Insurance. Quite often, the universities themselves offer student insurance, however this can be expensive. College student health insurance for North carolina 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.
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.
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.
What is the best health insurance in North Carolina for international students?
Here are some of the best health insurance providers in North Carolina:
- 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 North Carolina for international students?
The affordable international student health insurance in North Carolina 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 North Carolina?
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.
Not on a F1 visa? Please review these other visa categories
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