Factors to consider while buying student medical insurance

Find the best international student health insurance plan for your needs.

Where is the student studying?

What is the student's nationality?

Is the traveler looking for?

Does the traveler need Schengen Visa Insurance or Long term Europe Visa insurance?

What visa does the student have?

Coverage

Sports coverage required?

Coverage

Maternity coverage required?

traveler

Travel insurance with vacation cost coverage included?

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Type Of Insurance?

traveler

Are you a resident of Latin America or the Caribbean?

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Spouse's age (if traveling)
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US student abroad health insurance

Student insurance for US students studying abroad is designed to provide coverage for medical expenses, emergencies, and other health-related needs while they are studying in another country. US students abroad insurance ensures that they have access to healthcare services and financial protection in case of unexpected medical situations. Compare and buy best US students abroad insurance to meet specific requirements.

What does international student health insurance cover?

Doctor Visit

Covers doctor visits in case of sudden injury or sickness.

Sports Activities

Some plans cover high school sports activities.

Health care expenses

Hospital medical expenses for sickness or accidents during coverage.

Dental Coverage

Expenses from sudden dental pain and accidental dental injuries.

Maternity Coverage

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

Repat of remains

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

Testimonials - From Our Customers

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Thank you for such helpful information. You've impressed me as I have contacted other companies and haven't gotten half of the information from them that you have sent me. I will take what you've said into consideration.
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Health Insurance for International Students resources

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Find out the best insurance for your budget and needs.

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How to buy student insurance?

Step by step guide to buying the best travel insurance.

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Student group insurance

Best student group travel medical insurance.

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Factors to consider while buying student insurance

Policy Maximum and type of plan

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.

Deductible, Co-insurance and Co-pay

Often times customers are confused while understanding the difference between deductible?, co-insurance? and co-pay?. All the three represent a portion of the medical bill that you as customer might incur in case of any unexpected sickness and injury which is otherwise going to be out of pocket expense.

Coverage for the spouse on F2 Visa

Normally all the student plans cover the spouse on F2 Visa. There is one plan that covers just the F2 without F1 being on the same plan. This is an exceptional case. In some cases we come across students on F1 having their school health insurance for themselves and are looking for private insurance for their spouse who is on F2. Patriot Exchange is a plan that satisfies this condition and is popular student plan for such case.
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Coverage for Maternity

The student plans cover maternity for a covered pregnancy. American Visitor Insurance provides student plans with maternity benefit if the pregnancy occurs after the insurance becomes effective. Student Secure, Student Health Advantage Platinum, Liaison Student Insurance and Study USA plans are some of the popular plans that cover maternity.
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Coverage for Sports

Most of the student plans cover the sports benefit. Some of the plans provide coverage for intercollegiate and interscholastic sports etc.
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Coverage for Mental Health

Most of the student plans in American Visitor Insurance provide coverage for mental health and drug abuse which is also requirement specified in most US.
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Preventive Care Services

Very few student plans provide coverage for preventive care and wellness checkup. The Navigator for Student plan from Geoblue provides coverage for preventive care services. The Study USA plan from Travel Insurance Services provides 100% coverage for one wellness checkup for the entire benefit period.

Pre-existing conditions Coverage

This is something that most Universities specify as a requirement in the health insurance plan. The student plans have a minimum 6 month waiting period for coverage of pre-existing conditions.
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Best international student health insurance in USA

  • Which is the best student insurance in USA?

    Health insurance for F1 students in USA, Medical insurance for international students

    • IMG's Patriot Exchange insurance is 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.
    • Covers pre-existing condition after 12 months of continuous coverage $500 per period of coverage; $1,500 lifetime maximum.
    • The student can buy this plan with a sports rider to cover activities such as downhill skiing.
    • Patriot Exchange Insurance can be renewed online up to 48 months.
    • Provides coverage for international student medical insurance to students and scholars pursuing their education outside their home country.
    • Student Health Advantage Platinum covers Maternity Newborn Care.
    • Standard plan covers pre-existing condition after 12 months of a waiting period.
    • Platinum plan covers pre-existing condition after 6 months of a waiting period.
    • This plan can be renewed for up to five years.
    • Student Secure provides excellent insurance cover to international students and scholars outside their home country.
    • Covers acute onset of pre-existing conditions up to $25k lifetime maximum for eligible expenses.
    • This plan is ideal for J1 and F1 and OPT students.
    • Sports activities, leisure, recreational,entertainment or fitness is covered upto overall maximum limit.
    • This plan can be renewed for up to four years.
    • Study USA Health Insurance provides affordable student travel insurance for students studying in USA and to US registered students studying abroad.
    • Covers Sports & Activities - Leisure, Recreational, Entertainment, or Fitness.
    • Study USA standard, preferred and platinum covers maternity care for a covered pregnancy.
    • Study USA Standard and Preferred plans have 12 months waiting period for pre-existing conditions and platinum covered after 6 months waiting period.
    • This plan can be renewed for up to four years.
    • Offers worldwide coverage for international students and faculty outside their home country.
    • Offers Unlimited annual and lifetime medical maximum.
    • Pre-existing conditions exclusion can be waived with proof of prior creditable coverage.
    • Coinsurance is waived for care outside the U.S.
    • Sports, terrorist and alcohol-related injuries are covered.
    • Exceeds J-1 visa requirements.
    • No waiting period associated with any preventive services.
    • Available for International students and exchange program participants.
    • Excellent plan for international students who are on the OPT status.
    • Covers acute onset of pre-existing conditions up to the age of 79 years.
    • Available for Non-US Citizens traveling outside their home country.
    • Covers treatment of complications of pregnancy during the first 26 weeks of pregnancy.
    • Offers coverage for Students or teachers going abroad for a semester.
    • Covers pre-existing conditions for medical services and medical evacuation, for individuals with a current U.S. health plan.
    • Access to doctors and hospitals in 190 countries.
    • Applicant's home country must be the US.
    • Requires a primary health plan.
    • This plan is ideal for students, study abroad and international exchange students.
    • Covers pre-existing conditions after 24 months waiting period.
    • Available for Non Us citizens and Non US residents visiting the US.
    • Covers athletic & hazardous sports activities.
    • This plan can be available from 15 days to 365 days.
    • Offers coverage for Students or teachers going abroad for a semester.
    • Pre-existing conditions are covered with a 180-day exclusion.
    • Access to doctors and hospitals in 190 countries.
    • Applicant's home country must be the US.
    • Does not require a primary health plan.
    • Offers coverage for students.
    • Worldmed is international health insurance for people traveling outside their home country and is available to both US and Non US citizens.
    • Acute onset of pre-existing conditions is covered up to $200k up to age 60 and for age 60-64 it is $20k.
    • Intercollegiate sports activities, recreational activities and hazardous activities are optional add on benefits on the plan.
    • Available from 5 days to 364 days.
    • This plan is ideal for study abroad, work study programs and international exchange students.
    • Available for Non US Residents while visiting the US.
    • Covers Unexpected Recurrence of a Pre-existing Condition(US Citizens only)
    • Offers optional Athletic and Hazardous Activity Rider.
    • Covers optional war risk coverage.
    • This plan is ideal for students, study abroad and international exchange students.
    • Available for people traveling outside their home Country excluding USA.
    • Covers Unexpected Recurrence of a Pre-existing Condition(US Citizens only)
    • Offers optional Athletic and Hazardous Activity Rider.
    • Covers optional war risk coverage.
    • Designed for Study abroad student seeking supplemental Emergency Medical Evacuation coverage to meet school or visa requirements.
    • Offers coverage to international students and visitors traveling to the U.S.
    • Available for people age above 14 days and below 50 years.
    • Emergency Medical Evacuation coverage is available for up to $50k.
    • This plan can be available from 5 days to 365 days.
    • Repatriation of remains coverage is available for up to $25k.
    • Offers coverage for International students or scholars.
    • Medical Evacuation and Repatriation provides annual coverage that meets J Visa and other visa requirements.
    • Any non US citizen and non US resident who is travelling to the United States and Participating in full-time educational activities can buy this plan. You are not required to have a visa.
    • Available from 5 days to 364 days.
    • Available for people age above 14 days and below 65 years.

Student health insurance - FAQ's

01. How much is health insurance for international students? How much is health insurance in USA for international students?

The cost of US student health insurance varies significantly depending on different factors such as the insurance provider, the age of the student, the deductible, the co-insurance, the medical coverage amount and the specific plan chosen.
Here are some key points to consider while buying student insurance for USA in American Visitor insurance:

  • University/College Plans: The plans on American Visitor Insurance are more affordable compared to student plans offered by different universities.
  • Coverage Level: The cost of the student medical insurance plan depends on the extent of coverage it provides. Plans with higher coverage levels and lower deductibles typically have higher premiums.
  • Deductibles and Coinsurance: Plans with higher deductibles (the amount you pay out of pocket before the insurance kicks in) and higher Co-insurance (a fixed amount you pay for certain services) may have lower premiums.
  • Age and Health: The age and health of the student will be taken into account when determining the premium. Younger and healthier individuals will have lower premiums.

Keep in mind that student health insurance costs can change over time, and there may be new plans or regulations in place since my last update. It's essential to research and compare different insurance options on American Visitor Insurance to find a plan that fits your specific needs and budget. If you are an international student looking for health insurance, We recommend using the compare student insurance plans tool to explore the health insurance options available to you on American Visitor Insurance.

02. Do international students get health insurance?

Yes, in fact many international students studying in the United States are required to have student health insurance coverage to satisfy University needs. The specific requirements for student health insurance varies depending on the educational institution, state regulations, and the type of visa the student holds.
Some key points to consider:

  • University/College Requirements: Most US universities and colleges have specific health insurance requirements for international students. Universities may mandate that all enrolled international students purchase and maintain a specific health insurance plan that meets certain criteria. Student insurance plans offered on American Visitor Insurance are comparable to University insurance plans but are cheaper and with similar benefits.
  • Visa Requirements: The US government also has specific health insurance requirements for certain visa types. For example, J-1 and J-2 visa holders (Exchange Scholars) are generally required to have health insurance that meets the minimum requirements set by the United States Department of State.
  • Coverage and Benefits: The required student health insurance plans typically need to provide a minimum level of coverage for medical services, hospitalization, emergency care, and repatriation of remains, among other benefits.
  • Waivers: International students who buy student insurance on American Visitor Insurance and have comparable health insurance coverage may apply for a waiver to the university's insurance requirement. Usually, the existing coverage must meet or exceed the university's specified criteria.

At American Visitor Insurance we offer the best US student medical insurance plans from top rated insurance providers

03. Do f1 students need health insurance?

International students on the F1 visa are not required by any government agency to have international student insurance when studying in the USA. However, given the very high cost of healthcare in the United States, most schools have their own requirements and often require international students to buy health insurance.

04. Which insurance is best for international students in USA?

The "best" student medical insurance for international students in the USA varies depending on Student's needs, preferences, and budget. Different factors should be considered when choosing the most suitable medical insurance for students, such as coverage, cost, benefits, network of healthcare providers, and the specific requirements of your educational institution.

International Student Insurance on American Visitor Insurance: American Visitor Insurance specializes in providing health insurance for international students. These plans may offer a range of options and coverage levels, and some may be accepted by various educational institutions. Student insurance plans offered on American Visitor Insurance are comparable to University insurance plans but are cheaper and with similar benefits.
When comparing student health insurance plans, consider the following factors:

  • Coverage: Look for plans that provide comprehensive coverage for medical services, hospitalization, emergency care, prescription drugs, and preventive care.
  • Network of health care providers (PPO Network): Check if the plan has a network of healthcare providers and hospitals near your university or college to ensure easy access to medical services.
  • Cost: Compare premiums, deductibles, co-payments, co-insurance , and any additional fees to find a plan that fits your budget.
  • Coverage benefits: Evaluate the additional benefits provided by the plan, such as mental health coverage, maternity coverage, and coverage for pre-existing conditions.
  • Customer Service: Consider the customer service reputation of the insurance provider and customer testimonials to ensure a smooth experience when dealing with claims and inquiries.
  • Policy Duration: Make sure the student medical insurance plan's coverage duration aligns with your academic program's duration, including any optional practical training (OPT) periods.

Before buying the best student insurance on American Visitor Insurance, it is essential to Compare student medical insurance plans and read the policy details and terms carefully. If you have any questions or concerns, don't hesitate to contact us or call us at 877-340-7910. Finally, the best insurance for an international student is one that provides adequate coverage and aligns with their specific needs, budget and circumstances of the student.

05. Why do international students need health insurance in the US?

International students need US students health insurance for several important reasons:

  • Mandatory Requirement: Many universities and colleges in the US mandate that all enrolled students, including international students have proper health insurance. It is often a condition of enrollment and registration.
  • Healthcare Costs:Healthcare in the USA is extremely expensive, and having health insurance helps cover the costs of medical services, doctor visits, hospitalization, prescription medications, and emergency care is really a necessity. Without student health insurance, international students may face significant financial burdens if they need medical attention.
  • Medical Emergencies: Accidents and unexpected illnesses can happen at any time especially in an unfamiliar environment. Student health insurance provides a safety net in case of medical emergencies, ensuring that international students can access necessary medical care without worrying about high out-of-pocket expenses.
  • Compliance with Visa Requirements: Some United States visa types, such as J-1 and J-2 visas (Exchange Visitors), require individuals to have health insurance that meets specific criteria. Complying with this requirement is essential to maintain legal status during their stay in the USA.
  • Peace of Mind: Having student health insurance provides international students with peace of mind, knowing they have access to healthcare services and support in case of illness or injury.
  • Compliance with University Policies: Most US educational institutions have specific health insurance requirements for students. Complying with these policies ensures that students can fully participate in academic programs and related activities.
  • Access to Good Healthcare Providers: US student health insurance for international students offer access to preferred networks of healthcare providers, making it easier for students to find medical services near their campus.
  • Fulfilling Optimal Health: Being in a foreign country can be both exciting and stressful. Having international student health insurance can encourage students to prioritize their well-being and seek medical help when needed.

Health insurance for international students offered in American Visitor Insurance is a vital tool to protect their health, well-being, and academic pursuits while studying in the United States. It provides financial security and access to essential healthcare services, allowing students to focus on their studies and overall experience as they pursue their educational goals abroad.

j1 visa

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

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

Insurance plans for US students studying outside their home country.

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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 health insurance.

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M1 visa holders

Medical insurance for students on vocational training.

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Student benefits

Popular student insurance coverage benefits Know more »

Maternity Coverage

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

Medical insurance plans offering coverage for high schools sports and other group sports activities.
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Pre-existing Coverage

International student medical insurance for students who need coverage for existing medical ailments.
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Steps to compare and buy
Best International student insurance

Step 1: Finding the available best health insurance for international plans

Complete the student insurance quotes request form by providing details of the student and insurance requirements.

Step 2: Compare the different medical insurance options

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

Step 3: Buy the student health insurance that you like best

Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.

Step 4: Review the students medical insurance plan documents received by email

Review the travel insurance policy documents received by email closely for coverage details and relevant contact numbers.

Step by step student insurance
US student F1 visa medical insurance FAQs
Student health insurance for top US colleges and universities

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Best insurance for international students

Cheapest medical insurance for F1 students

Students when they travel outside their home country to study along with the university academic experience also get an opportunity to experience a new culture and to see different parts of the world and meet new people with varied backgrounds. We work with several US insurance providers that offer excellent student F1 health insurance.

We have developed an excellent compare F1 visa student travel insurance tool and have article and FAQ's with information for the best travel insurance for F1 students studying abroad. Our international student insurance plan comparison facilities lists the travel insurance for students that satisfies the f1 visa health insurance requirements.

Student health insurance

Students can find the affordable health insurance for international students in USA as well as outside the USA. Other than the cost, we also display relevant coverage details of health insurance for international students on F1 visa studying in the USA.

Nationalities of large international student groups in the US

Cheapest international student insurance

Health insurance for international students studying in the USA


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