Wellesley College, F1 Visa Foreign Student Insurance Requirements, cheapest health insurance for international students in usa, international student medical insurance usa

Why Do International Students at Wellesley College Need Health Insurance?

Healthcare cost in the USA is very expensive and international students at Wellesley College, 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.

Wellesley College mandates all international students to have valid health insurance during their enrollment.

Having the right international student insurance plan helps students stay focused on their studies without worrying about unexpected medical expenses.

International student Insurance for Wellesley College

⚠️ Note: For example, the average cost of a 3-day hospital stay in the U.S. is nearly $30,000 without insurance. Student health insurance provides both:

Financial protection against unexpected medical expenses.
Access to quality healthcare when needed.

What Are the Student Insurance Requirements for Wellesley College?

Wellesley College F1 visa insurance requirements

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.

⚠️ Important: Students must provide proof of valid insurance coverage to Wellesley College's International Student office before registration. Failure to do so may result in a registration hold.

The high cost of healthcare in the USA makes health insurance essential for international students. We provide some of the best low-cost, comprehensive insurance plans that can serve as an alternative to Wellesley College insurance. Compare health insurance plans for Wellesley College international students online at American Visitor Insurance or contact us at (877)-340-7910 or email to get assistance from our licensed agents.

What Is the Cheapest Student Health Insurance for Wellesley College?

Cheapest student insurance for Wellesley College is the Student Journey Lite Insurance from IMG

Other affordable student health insurance options include:

Student Journey Lite ^IMG

Ideal for : Individuals on J1, F1, and M1 visas.
Pre-existing condition: Covers after 6 months of waiting period.
Direct Billing: United HealthCare
Renewal: Can be renewed from 30 days to 12 months.
The Student Journey Lite insurance cost starts at approximately $30 per month, offering coverage up to $150,000 with a $100 deductible. An annual payment option is available to students.

Policy maximum^?
$150,000
Deductible options^?
$100 per injury or illness
Period of coverage^?
30 days to 12 months

Wellesley College Waiver Process

Step1: Confirm Eligibility

Review Wellesley College health insurance requirements and make sure your plan from American Visitor Insurance meets or exceeds them.

check_circle Medical coverage, emergency evacuation, and repatriation included.
check_circle Coverage dates align with your term of enrollment.
check_circle Meets any deductible/maximum limits specified by Wellesley College.

Step2: Submit Waiver form

Complete the student insurance waiver form and provide the insurance card and policy documents if required. Ensure that this is done before the University deadline.

check_circle Completed waiver form
check_circle Insurance ID card and policy certificate
check_circle Submit to International Students/Health Office

⚠️ Important: Missing the waiver deadline may result in automatic enrollment in Wellesley College plan, which can be more expensive.

How Much Does Wellesley College Student Health Insurance Cost?

The cost of health insurance for international students at Wellesley College 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 Wellesley College 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 2025?

How much is Low-cost medical insurance for international students in America? How much does Insurance for foreign students in America cost per month?

The monthly cost of international student insurance for USA ranges from $30 to $124, depending on the level of coverage selected.

Insurance Plans	Policy maximum	Deductible	Cost
Student Journey Lite	$150,000	$100	$30
StudentSecure Smart	$200,000	$0	$32
Student Journey Plus	$300,000	$500	$48
StudentSecure Budget	$500,000	$0	$53
Patriot Exchange	$50,000	$250	$56
Diplomat America	$50,000	$250	$71
Student Journey Platinum	$500,000	$250	$74
StudentSecure Select	$1,000,000	$0	$106
Student Health Advantage Standard	$500,000	$250	$124

Source: American Visitor Insurance®

What Affects the Student Health Insurance Cost?

Several factors influence the price, including:

Student’s age
Coverage duration
Policy maximum & medical benefits
Deductible and co-insurance levels
Optional add-ons (e.g., maternity, mental illness, dental expenses, hazardous sports and coverage for pre-existing ailments)

International Student Health Insurance USA

Review student insurance plan benefits.

Show Plans »

Which Is the Best Health Insurance for International Students in USA?

Choosing the best health insurance for international students in the USA depends on factors such as personal health needs, budget, university insurance requirements, and visa status. Some insurance providers offer reliable and best student insurance for international students.

Best health insurance plans for foreign students in the USA from top rated companies are:

International Medical Group (IMG)

Offers some of the best international student health insurance plans, including Student Journey, which is also the cheapest plan starting at $30/month, designed for international students seeking affordable medical coverage, hospitalization benefits, and essential health protection while studying abroad.

WorldTrips

Provides one of the best student health insurance options such as StudentSecure Smart starting at just $31/month with a $0 deductible. This plan covers emergency medical expenses, medical evacuation, and repatriation, making it one of the best budget-friendly choices for international students.

Which Is the Popular Health Insurance for International Students in USA?

The following are some of the best international student health insurance plans in USA:

Patriot Exchange Program ^IMG

Ideal for : F1 & J1 students visa holder, Adventure Sports
Pre-existing condition: Comprehensive plan with high medical maximum and pre-existing conditions coverage after 12 months of waiting period.
Mental health: Out Patient : Max 50 visits, maximum limit, Inpatient: Up to $10,000
Direct Billing: First healthcare network or United HealthCare
Renewal: Can be renewed and extended up to 24 months.
Patriot Exchange Program insurance cost for a 20 years old student starts from $56 per month ($675 per year). An annual payment option is available to students.

Policy maximum^?
$50,000 to $5,000,000
Deductible options^?
$0 to $500
Period of coverage^?
1 month up to 12 months

Student Journey Platinum ^IMG

Ideal for : J1, F1, A1 and M1 visas, Adventure Sports, Maternity
Pre-existing condition: Covers after 6 months of waiting period
Mental health: Out Patient : Max 40 visits, maximum limit, Inpatient: Up to 30 days max
Direct Billing: United HealthCare
Renewal: Can be renewed and extended up to 12 months.
Student Journey Platinum insurance cost for a 20 years old student starts from $74 per month ($888 per year). An annual payment option is available to students.

Policy maximum^?
$500,000
Deductible options^?
$250
Period of coverage^?
30 days to 12 months

StudentSecure Select ^Worldtrips

Ideal for : F1 & J1 students visa holder, Maternity, Sports coverage
Acute on set of pre-existing condition: $25,000 up to policy maximum
Mental health: Physician Office Visit: Max 30 visits, Inpatient: Max 30 days (includes drug and alcohol abuse)
Direct Billing: United HealthCare
Renewal: Can be renewed and extended up to 4 years.
Student Secure Select insurance cost for a 20 years old student starts from $106 per month ($1248 per year). You can buy the plan either on a monthly or a yearly basis.

Policy maximum^?
$1,000,000
Deductible options^?
$0
Period of coverage^?
30 days to 364 days

Student Health Advantage Standard ^IMG

Ideal for : F1, J1,M1 and A1 students visa holder, Adventure Sports
Pre-existing condition: Covers after 12 months of waiting period
Mental health: Out Patient : Max 50 visits, maximum limit, Inpatient: Up to $10,000
Direct Billing: First healthcare network or United HealthCare
Renewal: Can be renewed and extended up to 60 months.
Student Health Advantage Platinum insurance cost for a 20 years old student starts from 118 per month ($1,416 per year), both monthly and annual payment options are available. Offers high policy maximum and good coverage for various medical emergencies.

Policy maximum^?
$500,000
Deductible options^?
$250
Period of coverage^?
1 month up to 12 months

StudentSecure Elite ^Worldtrips

Ideal for : F1 & J1 students visa holder, Maternity, Sports coverage
Acute on set of pre-existing condition: $25,000 up to policy maximum
Mental health: Physician Office Visit: Max 40 visits, Inpatient: Max 40 days (includes drug and alcohol abuse)
Direct Billing: United HealthCare
Renewal: Can be renewed and extended up to 4 years.
Student Secure Elite insurance cost for a 20 years old student starts from $181 per month ($2135 per year). You can buy the plan either on a monthly or a yearly basis.

Policy maximum^?
$1,000,000
Deductible options^?
$0
Period of coverage^?
30 days to 364 days

Student Health Advantage Platinum ^IMG

Ideal for : F1, J1,M1 and A1 students visa holder, Adventure Sports, Maternity
Pre-existing condition: Covers after 12 months of waiting period
Mental health: Out Patient : Max 50 visits, maximum limit, Inpatient: Up to $10,000
Direct Billing: First healthcare network or United HealthCare
Renewal: Can be renewed and extended up to 60 months.
Student Health Advantage Platinum insurance cost for a 20 years old student starts from $353 per month ($4,236 per year), both monthly and annual payment options are available.

Policy maximum^?
$1,000,000
Deductible options^?
$100
Period of coverage^?
1 month up to 12 months

How Student Insurance Works?

A Working Example of Using Patriot Exchange Program Insurance

Below is a sample scenario to help students understand how Patriot Exchange insurance works in practice while studying abroad.

In this example:

Medical Bill: $25,100
Deductible: $100
Selected Policy Maximum: $50,000

Coverage Overview

Item	Details
Insurance Coverage	Up to $50,000
Deductible	$100 per certificate period
Medical Expenses (Claimed)	$25,100

How the Claim Is Settled

After the insured pays the $100 deductible, the Patriot Exchange plan applies its standard cost-sharing structure:

The plan pays 80% of the first $5,000 of eligible medical expenses.
Then it pays 100% thereafter up to the policy maximum.

Since the total medical bill is $25,100, the insured is responsible for 20% of the first $5,000, which equals $1,000.

All remaining eligible charges are paid by the insurance company. Because the policy maximum is $50,000, the full claim amount fits within the allowed limit.

Final Calculation

Expense Type	Amount Billed	Amount Insurance Pays	Amount Student Pays
Deductible	$100	$0	$100
Hospital Room Rent	$9,000	$8,000	$1,000 (20% of first $5k)
Surgery	$15,000	$15,000	$0
X-ray & Diagnostics	$1,000	$1,000	$0
Total	$25,100	$24,000	$1,100 (Deductible $100 + Coinsurance $1,000)

Summary for Students

In this example, the student pays a total of $1,100 ($100 deductible + $1,000 coinsurance), and Patriot Exchange covers the remaining $24,000. This demonstrates how the plan protects students from major medical expenses while studying abroad.

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.

What Are the Payment Options for International Students?

International students in the US come from different countries, with diverse economic backgrounds and face different financial needs. At American Visitor Insurance we offer health insurance for international students with flexible payment structures designed to make it more affordable and convenient, whether they are in the US for a semester or for an entire program spanning many semesters.

There are different student insurance payment options available depending on the insurer and the length of coverage. The payment options are mainly either monthly or yearly, and the purchase can be either by paper or bought online. Here are some details of the different payment options for international student insurance in the U.S.

Payment Period	Highlights	Advantage	Disadvantage
Monthly	Monthly payments, with recurring installments	Flexible with small installments	Overall higher total cost, and time consuming, Student must remember to pay on time to keep student medical insurance active.
Yearly	Pay the full premium up front (for entire policy period usually one year)	Cheaper than monthly payments, no risk of losing coverage by oversight	Larger upfront cost

Application Methods: Online vs Paper

Method	Description	Speed	Highlight
Online Application	Complete online application and payment on American Visitor Insurance	Fast — Policy issued instantly	Most common and use Credit card
Paper Application	Complete paper forms and submit documents by post	Slower — Takes time (few days) to process	Can pay by Check

Real Student Case Examples – Wellesley College

Case 1: Emergency Room Visit

A student at Wellesley College 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.

Location: Wellesley College, Massachusetts
Medical Situation: Acute appendicitis requiring emergency surgery
Emergency Costs: USD 9,300, including ER admission, diagnostics, surgery, and hospitalization
Insurance Response: Documents submitted digitally; claim processed without delay
Outcome: Full reimbursement issued within 12 days

Note: International student insurance helps Wellesley College students manage unexpected high medical costs efficiently, allowing them to focus on recovery and academics.

Case 2: Waiver Approved

A newly admitted student at Wellesley College preferred to use their pre-purchased international student insurance instead of the default insurance plan.

Location: Wellesley College, Massachusetts
Student Request: Submission of a health insurance waiver
Process: Submitted waiver form and benefits table proving the plan met the school’s requirements (evacuation, repatriation, policy max, mental health, etc.)
Insurance/School Response: Documentation reviewed within 48 hours
Outcome: Waiver approved, avoiding duplicate coverage and reducing annual cost

Note: When coverage meets Wellesley College waiver standards, proper documentation and timely submission can result in quick approval and significant savings.

How to Choose the Right Student Health Insurance for Wellesley College?

When choosing student health insurance for Wellesley College, 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 Wellesley College at American Visitor Insurance, plans that meet university waiver criteria and offer comprehensive coverage.

University requirements: Wellesley College 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.
Visa 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).
Coverage: Look for plans that provide coverage for essential medical services such as doctor visits, hospitalization, prescription drugs, emergency services, and mental health.
Cost: Compare not only the premiums but also the deductibles, co-payments, and out of pocket maximums to determine which plans are in your budget.
Network: Choose plans which have a wider provider network in Massachusetts, especially around the Wellesley College area.
Pre-existing conditions: Check if your selected plan covers any pre-existing conditions and if there’s a waiting period.
Customer service and claims process: 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 Wellesley College?

When selecting student medical insurance for Wellesley College 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 Wellesley College 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 Wellesley College's requirements and your individual healthcare needs.

What Does International Student Insurance Cover?

local_hospital

Health Care Expenses

Covers doctor visits in case of sudden injury or sickness.

sports_soccer

Sports Activities

Some plans cover high school sports activities.

local_hospital

Repat of Remains

Repatriation of remains expenses to home country in case of death.

dentistry

Dental Coverage

Expenses from sudden dental pain and accidental dental injuries.

pregnancy

Maternity Coverage

Some plans offer coverage for pregnancy, maternity and new born.

cardiology

Pre-existing Conditions

Student insurance who need coverage for existing medical ailments.

What Factors Determine International Student Health Insurance Cost?

When choosing the best travel insurance for students studying abroad, understanding the factors that drive the cost is important.

1
Student’s Age
- 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.
2
Duration of Coverage
- 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.
3
Maximum F1 Student Insurance Coverage
- 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.
4
Deductible Amount
- A higher deductible reduces your monthly premium.
- Lower deductible = better emergency coverage, but increased plan cost.
5
Type of Insurance Plan
- Budget plans cover essentials only (emergency care, accidents).
- Comprehensive plans include broader protection (checkups, mental health, maternity) — priced higher.
6
Visa or University Requirements
- 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.
7
Optional Add-on Benefits
- If the students need additional coverage for specific activities like adventure sports mental illness, preventive care services, home country would cost more.

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.

Best Health Insurance for International Medical Graduates in USA

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What Are the Main Benefits of International Student Insurance?

Maternity Coverage

Health insurance plans offering coverage for pregnancy, maternity and new born baby.

Find plans »

Sports Coverage

Medical insurance plans offering coverage for high schools sports and other group sports activities.

Find plans »

Pre-existing Coverage

International student medical insurance for students who need coverage for existing medical ailments.

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Comparison: American 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

Why Buy Foreign Student Insurance in the USA?

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 more »

Is Student Health Insurance for US Students Abroad Needed?

Having 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 more »

Is 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.
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What Is the Best Insurance for International Student Athletes?

There are quite a few US health insurance for students that cover sports activities. It is hard to pick one plan as the best plan. There might be slight differences in the kind of sports activities that they cover. On American Visitor Insurance we offer the best sports health insurance plans for international students.

Diplomat America and Diplomat LongTerm Insurance

schoolDesigned for international students participating in intercollegiate sports.
add_boxStudents can choose a specific sports rider (low, medium, or high) depending on the sport to be covered.
warningMaximum benefit payout is limited to $20,000 for any covered injury or illness resulting from the sports activity.
sync
Diplomat LongTerm Insurance plan can be extended and offers worldwide coverage, with a minimum purchase period of 90 days.
sync_disabledDiplomat America plan cannot be extended or renewed.

Sports rider options and coverage levels for Diplomat insurance plans

Coverage level	Add-on cost (flat monthly rate)	Sports covered
Low Option	$12.00	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	$26.00	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	$80.00	Football (No Division I), Gymnastics, Rugby (No Division I) and Soccer

Patriot Exchange Insurance

schoolMore affordable student insurance plan than Diplomat America and covers high school sports teams.
paidPatriot Exchange insurance cost starts at $73 per month for a young adult without the rider, and it covers up to $250,000 with a $100 deductible.
blockIt does not include coverage for varsity sports regulated by the National Collegiate Athletic Association (NCAA) nor the National Association of Intercollegiate Athletics (NAIA).
sports_baseballVarsity sports are only covered when the “Add-on” Rider is selected — not the Adventure Sports Rider.

Student Health Advantage Insurance

sports_baseballProvides coverage for intercollegiate, interscholastic, intramural, and club sports
paidBenefit limit of $5,000 per illness or injury during the coverage period.

Student Secure Insurance

sports_baseball
Both Student Secure Elite and Student Secure Select plans provide coverage for organized sports including intercollegiate, interscholastic, intramural, and club sports. Covers medical expenses related to sports injuries, up to $5,000 per injury or illness.
done_allAll four levels of the Student Secure plans (Smart, Budget, Select, and Elite) offer coverage for leisure, recreational, entertainment and fitness activities, with benefits available up to the plan’s overall maximum limit, depending on the selected level.

How Can I Find The Best Insurance Plans For Wellesley College F1 Students?

Finding the best health insurance for Wellesley College international students is easy on American Visitor Insurance! Check for Wellesley College’s specific insurance requirements that must be met, some universities allow waivers if you have alternate coverage that meets their requirements. 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.

On American Visitor Insurance, students can compare plans like Student Secure, which offers four levels of the plan (Smart, Budget, Select, and Elite) which allows you to customize your plan and pay for the coverage you actually need. If you need help understanding Wellesley College insurance requirements, give us a call at (877) 340-7910 and we’ll be happy to find find a plan that meets Wellesley College's requirements. We can also assist you with the student insurance waiver form if Wellesley College allows you to opt out of the university-sponsored plan.

What Is The Best Health Insurance Option For F1 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 International Health Insurance for Wellesley College - FAQs

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. Students should have proper insurance 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 student insurance options on American Visitor Insurance. Quite often, the universities themselves offer student insurance, however this can be expensive. At student insurance plans 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.

The best student health insurance for Wellesley College international students will vary based on each student needs. When choosing a plan, key features such as coverage for emergency care, doctor visits, hospitalization, medical expenses, emergency evacuation, and repatriation benefits. Students should also consider the provider network and the overall cost of the plan. Student insurance plans like Student Secure by WorldTrips are popular among international students because they offer flexible coverage levels and payment options. At American Visitor Insurance, students can easily compare health insurance plans for Wellesley College students and find one that meets Wellesley College’s insurance requirements while fitting their budget and health needs.

US citizens are eligible to purchase health insurance plans through their state's health insurance marketplace. Non-US citizens can purchase visitor insurance plans. Those foreign students on the F or J visas qualify specifically for "student" health insurance plans which are often cheaper than visitor insurance. Students can compare student medical insurance plans and make an informed choice.

Most colleges offer group health insurance for their students. This may be required if the student does not have any other insurance. Check with your institution as to what is available. However the student insurance plans that are offered in American Visitor Insurance are usually cheaper than University insurance while offering similar coverage. Students can compare the coverage of the University insurance along with the plans on this website and make an informed decision.

Yes. There are various student insurance plans that cover sports activities, however the sports activities that are covered by the plan vary from one to another.

While a plan covers intercollegiate sports activities, another might cover adventure sports and hazardous sports or the non contact amateur sports.

Here is a list of student insurance plans that cover sports activities:

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 students can purchase either the Diplomat America or Diplomat LongTerm insurance if they intend to play on intercollegiate sports or club teams. The coverage is reduced to $20,000 for sports injuries and can cover a variety of sports activities. The cost of the rider depends on the specific sport of interest.

Some universities allow students to waive the university-sponsored insurance if they can demonstrate that their existing coverage meets specific criteria. Check with the university's policies to see if opting out or buying Foreign student insurance on American Visitor Insurance is an option and what the process entails.

Generally, international students are required to have F1 visa student health insurance in USA that meets specific criteria set by the university and U.S. regulations. It's important to check whether your existing insurance meets these foreign student insurance requirements or if you need to purchase a plan provided by the university or on American Visitor Insurance.

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Best Health Insurance for International Students in USA

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International Student Insurance for Wellesley College

Wellesley College International Student Insurance Cost

StudentSecure Smart

$47.16

Student Secure Budget

$47.16

Patriot Exchange

$47.16

Student Health Advantage

$47.16

Health Insurance for International Students Cost in 2025 (F1 visa insurance)

Student Secure Smart

$47.16

Patriot Exchange

$47.16

Student Secure Select

$47.16

GeoBlue Navigator

$47.16

Safe Travels USA

$47.16

Visit USA Standard

$47.16

Atlas America

$47.16

Patriot Exchange

$47.16

Insurance coverage for F2 or J2 Visa holders

StudentSecure Smart

$47.16

Patriot America Plus

$47.16

Atlas America

$47.16

Patriot Exchange Program

$47.16

Student Secure Budget

$47.16

Patriot Exchange

$47.16

Diplomat America

$47.16

Student Secure Smart

$47.16

Student Secure Budget

$47.16

Patriot Exchange

$47.16

GeoBlue Navigator

$47.16

Why Do International Students at Wellesley College Need Health Insurance?

What Are the Student Insurance Requirements for Wellesley College?

Wellesley College F1 visa insurance requirements

What Is the Cheapest Student Health Insurance for Wellesley College?

Student Journey Lite IMG

Wellesley College Waiver Process

How Much Does Wellesley College Student Health Insurance Cost?

How Much Does F1 Student Health Insurance Cost In the US in 2025?

What Affects the Student Health Insurance Cost?

International Student Health Insurance USA

Which Is the Best Health Insurance for International Students in USA?

Which Is the Popular Health Insurance for International Students in USA?

Patriot Exchange Program IMG

Student Journey Platinum IMG

StudentSecure Select Worldtrips

Student Health Advantage Standard IMG

StudentSecure Elite Worldtrips

Student Health Advantage Platinum IMG

How Student Insurance Works?

Coverage Overview

How the Claim Is Settled

Final Calculation

Summary for Students

Disclaimer

What Are the Payment Options for International Students?

Application Methods: Online vs Paper

Real Student Case Examples – Wellesley College

Case 1: Emergency Room Visit

Case 2: Waiver Approved

How to Choose the Right Student Health Insurance for Wellesley College?

Student Journey Lite ^IMG

Patriot Exchange Program ^IMG

Student Journey Platinum ^IMG

StudentSecure Select ^Worldtrips

Student Health Advantage Standard ^IMG

StudentSecure Elite ^Worldtrips

Student Health Advantage Platinum ^IMG