Compare International health insurance for students in USA

Compare health and medical insurance plans for F1 visa students in USA. The medical insurance plans are from popular insurance providers and offer university comparable coverage. Some of these plans offer university waiver form while satisfying most of the F1 visa insurance requirements. Unique benefits offered by these insurance plans are coverage for high school sports

Compare Study USA, Patriot Exchange, Student Secure Budget, and Navigator for Student Insurance

Compare the popular student health insurance plans for international students in USA namely Study USA from Travel Insurance Services, Patriot Exchange from International Medical Group, Student Secure Budget from Tokio Marine HCC and Navigator for Student Insurance from GeoBlue.


Compare Study USA vs Patriot Exchange vs Student Secure Budget vs Navigator for Student Insurance

Age
Start Date
End Date
Coverage Region
Citizenship
Study USA 
Maximum
Deductible
Patriot Exchange
Maximum
Deductible
Student Secure Budget
Maximum
Deductible
Navigator for Student
Maximum
Deductible
travel insure IMG hccmis geoblue logo
brochure  Brochure & Details links
» Study USA Insurance Brochure
» Study USA Insurance Details
» Study USA Insurance Reviews
» Patriot Exchange Insurance Brochure
» Patriot Exchange Insurance Details
» Patriot Exchange Insurance Reviews
» Student Secure Budget Insurance Brochure
» Student Secure Budget Insurance Details
» Student Secure Budget Insurance Reviews
» Geoblue Navigator Insurance Brochure
» Geoblue Navigator Insurance Details
file  Underwriter
Study USA Insurance Underwriter
Underwritten by Certain Underwriters at Lloyd's of London
Patriot Exchange Student Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
StudentSecure Budget Insurance Underwriter
Underwritten by Certain Underwriters at Lloyd's of London
Navigator for Student Insurance Underwriter
Underwritten by 4 Ever Life International Limited
file  Rating
Study USA Insurance Rating
AM Best Rating: "A" (Excellent)
Patriot Exchange Student Insurance Rating
AM Best Rating: "A" (Excellent)
StudentSecure Budget Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Navigator for Student Insurance Rating
AM Best Rating: "A-" (Excellent)
coinsurance  Coinsurance - Claims Incurred Inside the U.S
Basic plan:
IN NETWORK: 80% after deductible, up to overall maximum limit; OUT OF NETWORK: Plan pays 100%
Standard & Preferred plans:
IN NETWORK: 80% after deductible, up to $25,000, then overall maximum limit; OUT OF NETWORK: Plan pays 100%
Plan pays 100% Within PPO: The plan pays 80% of the next $25,000 of eligible expenses after deductible, then 100% to the overall maximum limit.;
Outside PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
Within PPO:20%;
Outside PPO: 40%
coinsurance  Coinsurance - Claims Incurred outside the U.S
Plan pays 100% Plan pays 100% After the deductible, 100% of eligible expenses to the certificate period maximum. Waived outside the US
Ambulance  Local Ambulance
Basic plan: $300 per injury or illness
Standard & Preferred plans: $350 per injury or illness
Company pay 100%.Transfer must be in patient hospital admission Up to $500 per injury / illness if hospitalized as inpatient In network: 80% to Coinsurance Maximum then 100%
Out of network:60% to Coinsurance Maximum then 100%
Drugs  Prescription Drugs
Basic plan: 50% of actual charges
Standard & Preferred plans: $10 copay for generic drugs; $20 copay for brand name
Company pays 100% after deductible is met
90 day dispensing maximum
50% of actual charge 100% of actual charge up to an annual maximum of $5,000. Maximum 90 - day supply
Dental  Dental Treatment - Due to Accident
Preferred plan: Up to $1,000 maximum per certificate period $500 per accident $250 maximum per tooth; $500 maximum per certificate period 100% of Covered Expenses up to $500 per Calendar Year maximum
Dental  Dental Treatment - Sudden Pain
Preferred plan: Up to $100 to alleviate pain $350 maximum Up to $100 for acute onset of pain -
Maternity  Maternity
Standard & Preferred plans:
IN PPO NETWORK: 80% of eligible expenses; OUT OF PPO NETWORK: Up to the overall maximum.
Outside US: 100% coinsurance up to overall maximum
Not covered Up to $5,000 for covered pregnancy Covered after 364 days
Terrorism  Terrorism
$50,000 lifetime maximum $50,000 $50,000 maximum lifetime limit No Coverage
sports  Intercollegiate, interscholastic, intramural or club sports
Standard plan: $2,500 maximum per injury or illness.
Preferred plan: $5,000 maximum per injury or illness.
Plan pays 100% after deductible is met for High School and college sports ONLY $3,000 maximum per injury / illness Medical expenses only Covered
Emergency  Emergency Medical Evacuation
Basic plan:$50,000 lifetime maximum
Standard plan:$250,000 lifetime maximum
Preferred plan:$500,000 lifetime maximum
$50,000 lifetime maximum Up to $250,000 lifetime maximum $250,000 lifetime maximum
Repatriation  Repatriation of Remains
$25,000 lifetime maximum $25,000 for return of mortal remains or $5,000 maximum for cremation / burial $25,000 lifetime maximum Maximum Benefit up to $25,000
Accidental  Accidental Death and Dismemberment
Basic plan:$10,000 lifetime maximum
Standard & Preferred plans:$25,000 lifetime maximum
$25,000 principal sum No Coverage Maximum Benefit: Principal Sum up to $10,000
Pre-existing  Pre-existing condition coverage
Pre-Exisiting Condition Waiting Period -
Basic plan: No benefit
Standard plan: 12 months, $500 maximum per certificate period.
Preferred plan $300,000 plan maximum: 12 months
Preferred plan $500,000 plan maximum: 6 months
Sudden & Unexpected Recurrence of a Pre-existing Condition (U.S. Citizens plan only)
Eligible Medical Expenses: $5,000 lifetime maximum
Emergency Medical Evacuation: $25,000 lifetime maximum
Covered after 12 months of waiting period Covered with creditable coverage within 365 days, can be reduced or eliminated if you have been covered by a creditable group or individual health insurance plan
unique  Unique Advantages
Study USA Insurance Advantages:
  • Offers coverage to F2 visa holders only if the F1 visa holders are covered under this plan.
  • Comprehensive coverage plan with benefits per incident.
  • Option for family coverage.
  • Only student plan that covers 100% 1 wellness exam per year
Patriot Exchange Insurance Advantages:
  • Only plan that offers coverage for people with F2 or J2 visa when the primary holder (F1 or J1) has current insurance coverage.
  • "Adventure Sports Rider" is available for purchase.
  • Plan is renewable up to 48 months if plan is purchased for a minimum of 1 month.
  • There is no coinsurance.
StudentSecure Budget Insurance Advantages:
  • Full time students and research scholars registered for universities outside their home country can buy this insurance.
  • Good PPO network.
  • It as a monthly payment option.
  • It also covers for mental health disorders, dental cover, physical therapy & chiropractic care.
Navigator for Student Insurance Advantages:
  • Unlimited annual and lifetime medical maximum.
  • This plan as a monthly payment option.
  • No precertification penalty for inpatient or outpatient care.
  • Illnesses and injuries related to terrorism are covered.

Compare International student health insurance Plans, International Student Insurance Plan Comparison

There are popular insurance providers offering competitive international student health insurance plans. Before buying It is advisable to compare student medical insurance for international studies satisfying yours and university requirements.

The best international student insurance for studying abroad are Study USA Insurance from Travel Insurance Services with AM Best Rating of "A" (Excellent), Patriot Exchange Insurance from International Medical Group with AM Best Rating of "A" (Excellent), Student Secure Budget Insurance from TokioMarine HCC Medical Insurance Services with AM Best Rating of A++ (Superior) and Navigator for Student Insurance from GeoBlue.

What are the factors to consider while comparing Study USA Insurance, Patriot Exchange Insurance, Student Secure Budget Insurance, and Navigator for Student Insurance?

Following are some of the medical insurance aspects that an international student needs to focus on while comparing among Study USA Insurance, Patriot Exchange Insurance, Student Secure Budget Insurance, and Navigator for Student Insurance:
  • Compare international Student insurance plans maximum coverage between International student health insurance plans:
    Student insurance plans are available in wide range of policy maximums starting from $50,000 to $1,000,000. Usually student plans have an university requirement for a per injury sickness plans. All of the student plans satisfy this requirement. Study USA insurance, Patriot exchange insurance and Student secure budget offer coverage up to $500,000 while Navigator for Student insurance offers coverage up to $8 million.
  • Compare Student medical insurance provider network for International student health insurance plans:
    It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
  • Compare Student insurance Deductible, Coinsurance and Co-pay options for International student health insurance plans:
    They represent a percentage of the medical bill that you an insured might incur in case of any unexpected sickness and injury which is otherwise going to be out of pocket expense. Patriot Exchange insurance offers 100% coinsurance, while the other plans have 80% and other limitations.
  • Contrast the Student health Insurance renewability options for International student medical insurance plans:
    Some student insurance plans can be renewed up to 2 years.
  • Compare Coverage options for maternity for International student health insurance plans:
    Student insurance offer coverage for maternity expenses, pregnancy and expenses for new born child. Patriot Exchange insurance doesn’t offer coverage for maternity. Navigator for student insurance covers maternity after 364 days of waiting period. Study USA insurance cover 80% of the expenses while Student Secure Budget insurance offers coverage up to $5,000.
  • Compare Student insurance Pre-existing conditions coverage for International student health insurance plans:
    Some student insurance have waiting period from 6 months up to 12 months to cover pre-existing medical ailments.
  • Contrast the Student health Insurance Sports options for International student health insurance plans:
    Most student insurance plans offer coverage from injuries while taking part in extracurricular activities and high school sports

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 cheapest health insurance for international students in USA just right for you and your situation.

What is the best health insurance for international students?

The best student medical insurance will vary for each student. There is no single student insurance which will work as the best international student health insurance plan for all students. The factors to consider while identifying the best student insurance will be the coverage benefits, the provider network and the cost of the health insurance for international students.
student group travel insurance
Group travel insurance for students
Students traveling overseas in groups can purchase the group insurance plans. This makes it a lot easier to administer the plan and these plans are cheaper than buying individual student travel plans

VIEW GROUP PLANS

Different Student Insurance Visas

J1 visa holders

Insurance for Exchange scholars satisfying visa requirements

F2 dependents

Insurance plans for dependents of an F1 visa holders

US Student Abroad

Insurance plans for US students studying outside their home country

J2 dependents

Insurance for J2 visa dependants satisfying visa requirements

OPT Status within F1 visa

Insurance plans for students on OPT status

M1 visa holders

Medical insurance for students on vocational training.

Student health insurance information

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