Student Insurance Requirements

Through American Visitor Insurance, the majority of student health insurance plans comply with the typical U.S. College/University Requirements for health coverage; however, students need to carefully compare each individual Plan's Benefits (coverage limits, deductibles, etc.) to those defined in their college's official waiver requirements before selecting a Plan.

A college health insurance waiver allows students to opt out of their school’s mandatory health plan by submitting proof of comparable private coverage, such as a qualifying plan purchased through American Visitor Insurance.

Yes, international students studying in the United States who hold F1, J1 or M1 visas must be enrolled in an approved international student health insurance plan. American Visitor Insurance is able to provide plans that meet many of the requirements specified by both universities and visa sponsors.

Many student health insurance programs offered by American Visitor Insurance permit students to enroll as of their date of arrival in the U.S., or once the course begins. The coverage is typically available from the effective date chosen by the student.

If a waiver is rejected, students may need to upgrade to a higher coverage student insurance plan or enroll in the school’s health insurance plan. American Visitor Insurance allows easy comparison of plans with different coverage levels.

Yes, most student medical insurance plans listed on American Visitor Insurance provide access to off-campus doctors, specialists, and hospitals within a PPO provider network.

Some student health insurance plans available through American Visitor Insurance offer coverage during CPT and OPT periods. Students should review eligibility rules and coverage duration before enrollment.

Insurance requirements vary by college. Some universities require coverage regardless of enrollment status, while others exempt part-time or online students.

Many student insurance plans include mental health benefits such as counseling and therapy sessions. Coverage limits and copays vary by plan.

Yes, many student health insurance plans allow optional dependent coverage for spouses and children at an additional cost.

Colleges typically require:

• Certificate of Insurance
• Policy benefits summary
• Coverage dates
• Insurance provider details

Most student health insurance policies would still be in effect after the transfer, assuming the student continues to qualify for coverage.

Depending on the terms of the contract, some student health insurance policies will permit cancellation early due to graduation; proof of graduation or completion of program would typically be required.

Private student health insurance typically has lower rates compared to college-sponsored student health insurance plans; they generally offer broader networks of participating providers; and they may have more flexible options for insuring additional family members or overseas travel than do college-sponsored student health insurance plans.