International Student Health Insurance Cost Calculator
An international student health insurance cost calculator estimates your monthly premium based on your age, coverage period, deductible, policy maximum, and selected plan. Premiums start at just $1 per day.
Quick Cost Estimator
No sign-up needed - just move the fields below.
Estimated Premium
for 1 months of coverage · about $360/year
This is a planning estimate, not a quote - final pricing depends on your exact dates, state/country of purchase, and plan selected.
Student Health Insurance Cost Calculator
Studying in the United States is an exciting opportunity, but unexpected medical expenses can be very expensive without health insurance. A simple visit to a doctor can cost over $150, while an emergency room visit may cost thousands of dollars. That's why most U.S. universities require international students to have health insurance throughout their studies.
Our Student Health Insurance Cost Calculator helps you estimate how much your health insurance may cost based on your age, coverage period, deductible, and insurance plan. In just a few clicks, you can compare plans and choose one that fits both your university requirements and your budget.
How to Use the International Student Health Insurance Cost Calculator?
Our International Student Health Insurance Cost Calculator makes it easy to estimate the cost of your health insurance in just a few simple steps. Simply enter your coverage preferences, and the calculator will display an estimated premium based on your selections.
Select Your Age: Choose your age group from the dropdown menu. Your age is one of the main factors that affects the cost of international student health insurance, with younger students generally paying lower premiums.
Choose Your Coverage Start Date: Select the date when you want your health insurance coverage to begin. Your coverage should typically start on or before your arrival in the United States or the date required by your university.
Select Your Coverage Length: Choose how long you need coverage, such as 1 month, one semester or a full academic year. The estimated premium will automatically adjust based on the coverage period you select.
Choose Your Medical Maximum: Select the policy maximum that best meets your healthcare needs. Plans typically offer medical maximums ranging from $50,000 to $5,000,000. Higher coverage limits generally provide greater financial protection but may result in a higher premium.
Select Your Deductible: Choose a deductible that fits your budget. International student health insurance plans typically offer deductible options ranging from $0 to $500. A higher deductible usually lowers your premium, while a lower deductible means lower out-of-pocket costs when you receive medical care.
Review Your Estimated Premium: Once you've entered your details, the calculator will display an estimated insurance premium, including the approximate daily, monthly and total cost for your selected coverage period. You can adjust your selections at any time to compare different coverage options and find a plan that best fits your budget.
Note: The premium displayed is an estimate based on your selected criteria. Final pricing may vary by insurance provider and plan. Please compare plans on American Visitor Insurance to view the final premium and choose the coverage that best meets your needs.
How Much Does Student Health Insurance Cost Per Month?
The cost of international student health insurance starts at around $30 per month and varies based on the student's age, coverage period, deductible, policy maximum, and selected plan.
Many student health insurance plans start from just $1 per day, with most comprehensive plans costing between $2 and $4 per day. This affordable coverage helps protect you against unexpected medical expenses while studying in the United States. Investing in the right health insurance can help you avoid costly medical bills and ensure access to quality healthcare throughout your studies.
| Plan Name | Policy Maximum | Deductible | Cost |
|---|---|---|---|
| Student Journey Lite IMG |
$150,000 | $100 | $30 |
| StudentSecure Smart WorldTrips |
$200,000 | $0 | $32 |
| Student Journey Plus IMG |
$300,000 | $500 | $48 |
| StudentSecure Budget WorldTrips |
$500,000 | $0 | $53 |
| Patriot Exchange IMG |
$50,000 | $250 | $56 |
| Diplomat America Global Underwriters |
$50,000 | $250 | $71 |
| Student Journey Platinum IMG |
$500,000 | $250 | $74 |
| StudentSecure Select WorldTrips |
$1,000,000 | $0 | $106 |
| Student Health Advantage Standard IMG |
$500,000 | $250 | $124 |
Prices verified for the 2026 student health insurance plans · Source: American Visitor Insurance®
What Factors Affect the Cost of Health Insurance for International Students?
The cost of health insurance for international students in USA varies depending on your age, coverage period, deductible, policy maximum, and the benefits you choose. Understanding these factors can help you compare plans, estimate your premium, and select coverage that fits your budget while meeting your healthcare and university requirements.
Age
Your age is one of the biggest factors that affects the cost of student health insurance. In general, younger students pay lower premiums because they are less likely to need medical care. As age increases, insurance premiums may also increase.
Example: A 20 year old undergraduate student will usually pay less than a 35-year-old graduate or exchange student for the same insurance plan.
Coverage Period
The length of your insurance coverage also affects the total premium. Students studying in the U.S. for one semester may only need coverage for four to six months, while those enrolled in full-degree programs often purchase coverage for an entire academic year. Although a longer coverage period increases the total cost, the average daily cost remains affordable.
Policy Maximum
The policy maximum is the maximum amount your health insurance plan will pay for covered medical expenses during your policy period. International student health insurance plans typically offer policy maximums ranging from $50,000 to $5,000,000, allowing you to choose the level of coverage that best fits your healthcare needs and budget. Generally, plans with higher policy maximums have slightly higher premiums but provide greater financial protection in case of a serious illness, accident, or hospitalization.
Deductible
A deductible is the amount you pay out of pocket before your health insurance begins covering eligible medical expenses. International student health insurance plans typically offer deductible options ranging from $0 to $500, giving you the flexibility to choose a plan that fits your budget. Generally, plans with a lower deductible have higher monthly premiums, while plans with a higher deductible usually have lower monthly premiums. If you're healthy and don't expect frequent medical care, choosing a higher deductible can be a cost-effective way to reduce your insurance premium.
Medical Benefits Included
The benefits included in your health insurance plan can affect the overall cost. Plans with more comprehensive coverage generally have higher premiums. Depending on the plan you choose, benefits may include doctor visits, hospitalization, emergency medical care, prescription drugs, mental health services, preventive care, maternity coverage, and sports injury coverage. Choose a plan that meets your university's requirements while providing the coverage you need at a price that fits your budget.
Optional Benefits
Adding optional benefits or enhanced coverage can increase the cost of your health insurance. Depending on the plan, you may choose additional coverage for sports and recreational activities, adventure sports etc. Choose only the optional benefits you need to balance coverage and cost.
What Is the Cheapest Health Insurance for International Students in the USA?
Cheapest health insurance for international students in USA is the Student Journey Lite Insurance from IMG
Other affordable F1 student health insurance plans options include:
Which Are the Best Health Insurance for International Students in USA 2026?
The best health insurance for international students studying in the USA includes Patriot Exchange Program, StudentSecure, Student Journey Platinum, and Student Health Advantage. These plans start from approximately $56/month and provide medical coverage, PPO network access, mental health benefits, sports coverage, and protection for F1 and J1 visa students.
- check_circle Pre-existing: Covered after 12 months
- check_circle Mental Health Outpatient: Max 50 visits; Inpatient: up to $10,000
- check_circle Network: First healthcare network or United HealthCare
- check_circle Renewable up to 24 months
- check_circle Pre-existing: Covers after 6 months
- check_circle Mental Health Outpatient: Max 40 visits, Inpatient: Up to 30 days
- check_circle Network: United HealthCare
- check_circle Renewable and extended up to 12 months
- check_circle Pre-existing: $25,000 up to policy maximum
- check_circle Mental Health: Physician Visits: Max 30 visits, Inpatient: Max 30 days
- check_circle Network: United HealthCare
- check_circle Renewable up to 4 years
- check_circle Pre-existing: Covers after 12 months
- check_circle Mental Health Outpatient: Max 50 visits, Inpatient: Up to $10,000
- check_circle Network: First healthcare network or United HealthCare
- check_circle Renewable up to 60 months
- check_circle Pre-existing: $25,000 up to policy maximum
- check_circle Mental Health: Physician Visits: Max 40 visits, Inpatient: Max 40 days
- check_circle Network: United HealthCare
- check_circle Renewable up to 4 years
- check_circle Pre-existing: Covered after 12 months
- check_circle Mental Health Outpatient: Max 50 visits, Inpatient: Up to $10,000
- check_circle Network: First healthcare network or United HealthCare
- check_circle Renewable up to 60 months
Monthly Payment Options for International Student Health Insurance
Many international students prefer to pay for their health insurance in monthly installments rather than making a single upfront payment. Several international student health insurance plans offer flexible monthly payment options, making it easier to manage your budget while studying in the United States.
The following plans offer monthly payment options:
Monthly payment availability, eligibility, and payment terms vary by insurance provider and plan.
Want to learn more? Read our Can I Pay for International Student Health Insurance Monthly? guide to learn which plans offer monthly payments, how the payment process works, and what eligibility requirements apply before purchasing coverage.
Why Is Health Insurance Important for International Students?
Health insurance is one of the smartest investments you can make while studying in the United States. Although paying a monthly premium may seem like an extra expense, it can save you thousands of dollars if you become sick or injured during your studies.
Healthcare in the U.S. is among the most expensive in the world. Without health insurance, you are responsible for paying the full cost of medical treatment, including doctor visits, emergency care, hospital stays, surgeries, and prescription medications.
Even a minor illness or unexpected accident can lead to expensive medical bills in the USA. With international student medical insurance starting from just $1 per day, you can protect yourself from unexpected healthcare costs, get access to quality medical care, and focus on your studies with confidence.
| Medical Service | Estimated Cost |
|---|---|
| Doctor's Office Visit | $150 - $300 |
| Urgent Care Visit | $200 - $500 |
| Emergency Room Visit | $1,500 - $4,000+ |
| Broken Bone Treatment | $3,000 - $10,000 |
| Appendicitis Surgery | $15,000 - $40,000 |
How Can You Save Money on International Student Health Insurance?
International student health insurance can be affordable if you choose a plan that matches your needs and budget. Here are some simple ways to reduce your insurance costs without sacrificing essential coverage:
- Choose a higher deductible if you're healthy and don't expect frequent medical care.
- Purchase coverage only for the period you need, such as a semester or academic year.
- Compare multiple insurance plans to find the best combination of price and benefits.
- Select a policy maximum that meets your university's insurance requirements without paying for unnecessary coverage.
- Choose only the optional benefits you need, such as sports or maternity coverage.
- Check if your university accepts private health insurance, as it may be more affordable than the school's health plan.
At American Visitor Insurance, you can compare international student health insurance plans from top providers, estimate your premium, and choose coverage that meets your healthcare needs, university requirements, and budget.
International Student Health Insurance Cost - FAQs
International student health insurance typically starts at around $30 per month, with many comprehensive plans costing between $30 and $124 per month, depending on your age, coverage period, deductible, policy maximum, and selected plan.
The calculator estimates the cost of international student health insurance based on factors such as your age, coverage start date, coverage length, policy maximum, and deductible. It helps you compare different coverage options before choosing a plan.
No. The calculator provides an estimated premium based on the information you enter. Your final premium may vary depending on the insurance provider, plan selected, eligibility, and policy details. To view the exact premium and compare plans from leading insurance providers, visit our Student Medical Insurance Compare page.
Yes. Choosing a higher deductible usually reduces your monthly premium, while a lower deductible generally increases your premium but lowers your out-of-pocket costs when you receive medical care.
The right policy maximum depends on your budget and your university's insurance requirements. International student health insurance plans typically offer coverage limits ranging from $50,000 to $5,000,000.
Student Journey Lite is one of the most affordable international student health insurance plans, with premiums starting from just $1 per day for eligible students. The plan offers many valuable benefits, including hospitalization, emergency medical treatment, prescription drug coverage, and coverage for pre-existing conditions after a 6-month waiting period, subject to the policy's terms and conditions. Your premium will vary based on your age, coverage period, deductible, policy maximum, and selected benefits.
American Visitor Insurance makes it easy to compare international student health insurance plans from top providers. Review plan benefits, costs, coverage options, and eligibility requirements to choose the right health insurance for your studies in the USA.
Which Are The Best Insurance Companies For International Students In USA?
You can find reliable International student health insurance providers through American Visitor Insurance - including International Medical Group (IMG), WorldTrips and Global Underwriters. Compare our best-rated companies for student health coverage to find the plan that best fits your coverage needs and budget.
