Factors to consider while buying student medical insurance

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

Where is the student studying?

Nationality

What is the student's nationality?

traveler

Is the traveler looking for?

europe

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

traveler

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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Students insurance cost details »

What does international student health insurance cover?

Health care expenses

Health care expenses

Hospital medical expenses for sickness or accidents during coverage.
Sports Activities

Sports Activities

Some plans cover high school sports activities.
Doctor visit

Doctor visit

Covers doctor visits in case of sudden injury or sickness.
Dental Coverage

Dental Coverage

Expenses from sudden dental pain and accidental dental injuries.
Maternity Coverage

Maternity Coverage

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

Repat of remains

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

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.

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.Know more »

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...Know more »

Coverage for Sports

Most of the student plans cover the sports benefit. Some of the plans provide coverage for intercollegiate and interscholastic sports etc... Know more »

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...Know more »

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.

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...Know more »

Best health insurance for international students in USA

Which is the best student insurance in USA?

Health insurance for F1 students in USA, Medical insurance for international students
  • Patriot Exchange Covid insurance offers coverage for coronavirus sickness
  • IMG's Patriot Exchange insurance is designed for International students or Cultural Exchange scholars.
  • Student Health Advantage insurance offers Covid19 international student health insurance for medical expenses due to Covid illness.
  • This plan may be renewed for up to five years.
  • Student Secure provides excellent insurance cover to international students and scholars outside their home country.
  • WorldTrips Student health insurance by Student Secure Insurance covers Covid19 illness for international students outside their home country.
  • Study USA student insurace includes coverage for Covid19 illness.
  • Study USA Health Insurance provides affordable student medical insurance to foreign students studying in the US and to US registered students studying abroad.
  • Seven corners Liaison Student coronavirus insurance offers covid 19 medical coverage for international students in the US or outside their home country.
  • It covers student medical expenses arising from Covid19 illness
  • GeoBlue Navigator Student coronavirus insurance offers coverage for medically necessary COVID-19 testing and treatment is covered.
  • 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.

Student health insurance – FAQs

For how much is health insurance for international students?

The cost of health insurance for international students depends on the age of the student, the medical maximum coverage, the deductible and the co-insurance for the plan. Additional factors such as coverage for hazardous sports, maternity and coverage for pre-existing ailments will also impact the cost of international student health insurance.

Do international students get health insurance?

The US Department of State does not mandate health insurance for F1visa students, but it requires exchange visitors on the J-1 visa and their dependents on the J-2 visa to be covered by medical insurance for the entire length of their program. However given the cost of healthcare in the United States, most schools and colleges require all international students to purchase international student health insurance.

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.

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US student F1 visa medical insurance FAQs
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Covid F1 student health insurance

Despite the spread of the BA.5 Omicron sub-variant, all international students with the F1 and J1 visa's are now allowed in the US. International students should however check the university updates and the covid19 requirements before travelling to US.

Well traveling during covid-19 is risky due to the new Omicron and Delta variant which is more contagious. International students should purchasing a good student travel insurance with covid-19 coverage. In case one contacts covid19 infections the illness will be covered and this includes the Omicron and Delta variants. Regardless of the variant a covid-19 cover will provide students with the coverage for coronavirus infection.

There are many international students in the US either without proper US student medical insurance, or with F1 student insurance that does not cover Covid19.Given the health risk involved due to the new Delta and Omicron variants of the Covid19 pandemic. It is very important for students to purchase good Student medical insurance which includes coverage for Covid19. A Covid-19 cover will offer protection towards the coronavirus illness just like any other illness under the benefits of the policy regardless of the variant. At American Visitor Insurance, we offer several international student health insurance with Covid19 coverage. The Covid-19 cover provides coverage just like any other illness irrespective of the variant Earlier international students in the US had to buy affordable care act, ACA (Obamacare) compliant medical insurance, however recent changes have removed this requirement.

International students can now buy student health insurance plans offered on our website without violating US government requirements. These are some international student health insurance plans with Covid19 coverage. Students while studying in the USneed not worry about getting coverage for mutated variants. Irrespective of the variant covid-19 cover will provide studnets with the coverage if contracted the illness.

International Medical Group Covid19 health insurance plans for international students in the US

The International Medical Group offers affordable student health insurance coverage for Covid19 medical expenses. Their popular Covid19 International student health insurance plans that offer coverage for medical expenses from coronavirus are

TravelInsure Covid19 insurance for F1 students

TravelInsure Covid19 student health insurance by Study USA (Plus, Preferred and Platinum plans ONLY) offers international health insurance with coronavirus coverage for students outside their home country.

Seven Corners Covid19 Health insurance for F1 students

Seven Corners offers Liaison Student Plus insurance for international students and faculties outside their home country. It covers student medical expenses arising from Covid19 illness. The treatment benefit is available for COVID19 (the disease); SARS-Cov-2 (the virus); and any mutation or variation of SARS-CoV2.

GeoBlue Covid19 insurance for F1 students

GeoBlue Covid19 student health insurance by Navigator for Student with coronavirus coverage covers medically necessary COVID-19 testing and treatment is covered.

International students can compare student insurance plans to most appropriate plan that suits their specific needs.

Compare student insurance plans

There are some F1 visa students still stranded in the USA or on the OPT status who are not enrolled in any classes. In this situation students are not limited to buying US student health insurance and can buy short term US visitors medical insurance. The visitors health insurance plans are cheaper and work well for international students while they are not enrolled in classes. International students can review US visitors medical insurance plans that fit your needs.

Please know we are here to help you make an informed decision to get international students insurance! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

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Cheapest international student insurance
Health insurance for international students studying in the USA
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Best insurance for international students

Cheapest F1 student health insurance

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 student travel insurance that satisfies the student requirements.

Students can find the cheapest 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.

Student health insurance

Following are the list of popular countries where international students and US students visit to pursue their studies.

Nationalities of large international student groups in the US
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