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International students Medical insurance in USA

Find the best international student insurance cost for your needs
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Does the traveler need Schengen Visa Insurance or Long term Europe Visa insurance?

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What visa does the student have?

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Sports coverage required?

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Travel insurance with vacation cost coverage included?

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Do international students need health insurance?

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.

What is the best international students medical insurance in USA?
Student Secure Insurance: Provides excellent insurance cover to international students and scholars outside their home country. This plan is ideal for J1 and F1 and OPT students.
View more plans »
How to compare & buy Cheapest health insurance for international students in USA?
  • Complete the travel insurance quote request form by providing details of the traveller and insurance requirements.
  • Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.
  • Purchase the plan that fits your needs and budget best by using a credit card and completing the online application.
  • Review the travel insurance documents received by email closely for coverage details and relevant contact numbers

Students Medical insurance in USA

There are over a million international college-going students in the US. These students are mostly split between undergraduate programs, graduate programs, and those on the Optional Practical Training (OPT) status. Study USA insurance is available for J1 visa scholars and F1 visa students. While China and India dominate the international student population in terms of numbers, the student body in the US comprises individuals from all corners of the globe.

Advantages of our US Student insurance compared to University insurance

  • The student medical insurance on American Visitor Insurance are designed specifically for international students.
  • Our US Student insurance options offer comparable coverage to University insurance plans but are significantly cheaper.
  • These US student health insurance provide coverage throughout the country and are not limited to the proximity of any college.
  • Some of our student medical insurance for OPT status can be bought even if the student is not taking courses on campus.
  • We offer health insurance for international students as well as for the spouse and dependents of the student visa holder even if the primary visa holder has a different insurance.
  • The medical insurance for international students on American Visitor Insurance travels with the student and is not limited to any University. Unlike any University insurance, if the student switches a college, the health insurance for the is valid in the new University as well.
  • These US students insurance plans are valid till the end of the policy period even after the student has graduated. This is very useful for students who are on the OPT status in an F1 visa
  • We offer exchange student insurance plans that satisfy J visa requirements as mandated by US consulates.
  • The student insurance on American Visitor insurance are significantly cheaper when compared to most University insurance plans. The student insurance plans also offer Student insurance for pre-existing condition coverage and sports insurance coverage for students.

What does international student insurance cover?

Student health insurance USA cost calculator in 2024

How much does International student insurance cost per month? How much does health insurance for foreign students cost per month?

The international student health insurance cost per month ranges from around $30 to $463. The price depends on different factors like the age of the student, the duration, the medical coverage, the deductible and the co-insurance for the plan. Additionally the International students medical insurance in USA cost also depends on coverage for mental illness, dental expenses, hazardous sports, maternity and coverage for pre-existing ailments. Here at American Visitor insurance we have calculated the cost of health insurance for international students to help you compare and make an informed choice while buying the plan.

Insurance Plans Policy maximum Deductible Cost * Buy Plans
StudentSecure Smart WorldTrips $100,000 $0 $32 Buy now shopping_cart
StudentSecure Budget WorldTrips $250,000 $0 $53 Buy now shopping_cart
Patriot Exchange IMG $50,000 to $500,000 $0 to $500 $53 - $70 Buy now shopping_cart
Diplomat America Global Underwriters $50,000 $250 $63 Buy now shopping_cart
Student Health Advantage IMG $500,000 $250 $115 Buy now shopping_cart
Navigator Student GeoBlue Unlimited Coverage $0 $463 Buy now shopping_cart

* The average cost of health insurance plan for international students in the USA is based on quotes for a 20-year-old with a duration of one month.

Best international students medical insurance in USA

  • Which is the best health insurance plans for international students 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.
    • 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.
    • 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 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.
    • 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.

How is student medical insurance cost calculated in the USA?

  • Student's age: The student's age determines the cost of US student medical insurance. The prices for best health insurance for f1 students in USA increases with the age of the student.
  • Length of health insurance for F1 students: The cheapest student health insurance in the US can be either monthly or on a daily basis. The price increases with the duration of coverage required.
  • Maximum F1 student insurance coverage: The cost of health insurance for international students in the US is directly dependent on the medical maximum coverage required. The cost of F1 student health insurance is less for lower medical maximum and increases with higher medical maximum coverage.
    Click here to read more »

Best health insurance for international medical graduates in USA

Steps to buy medical insurance for F1 students

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The steps for buying the best student health insurance for international students in the US are:
  • Find out from your University/School/College if they offer the best health insurance for international students in usa.
  • If they offer health insurance for F1 students, is it mandatory to buy that University plan, or do they allow other F1 student health insurance plans.
  • If you are allowed to buy an alternative best health insurance for F1 students in USA, then compare cheapest insurance for international students on American Visitor Insurance.
  • Compare the cheap insurance for international students here with the University plan based on price as well as coverage benefits.
  • You can also buy health insurance for F2 visa holders and medical insurance for J2 visa holders if required.
  • Select the F1 student medical insurance that best fits your budget and needs.
  • On buying the best health insurance for f1 students in usa, you will receive all the relevant documents by email.

Cheapest health insurance for international medical graduates in USA

Compare and buy Best health insurance for international medical graduates in USA

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Best health insurance for international students in USA for sports and competition

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. However, here is a list of plans which provide great coverage for sports activities:

  1. Student Health Advantage plan from IMG: This plan provides coverage of $5K for intercollegiate, interscholastic, intramural, and club sports. This is most requested by international students.
  2. Student Secure Elite plan from Worldtrips: This plan provides coverage of $5K for intercollegiate, interscholastic, intramural, and club sports. This is most requested by international students.

The best sports health insurance for international students on American Visitor Insurance offer are the Diplomat America or Diplomat LongTerm insurance for intercollegiate sports coverage. The policy allows students to put a specific sports rider on the policy (low, medium, or high) depending on the sport to be covered. Under this enhancement, the maximum benefit pay out is reduced to $20K for any covered injury or illness resulting from the sports activity. The cost depends on the sport to be covered.

The Low Option -(additional $12.00 flat monthly rate) is for Ballet; Baseball; Cheerleading; Cross Country; Diving; Equestrian; Fencing; Field Hockey; Golf; Polo (Horse); Polo (Water); Rowing; Softball; Surfing; Swimming; Tennis; Track & Field; and Volleyball.

The Middle Option (additional $26.00 flat monthly rate) will cover Basketball; Competitive Cycling (Road, Track, CX); Ice Hockey; Inline Skating (Helmet & Proper Equipment Required); Lacrosse; Martial Arts/Karate; Modern Pentathlon; Skiing (Slalom, Giant Slalom, Downhill); Ski Jumping; and Wrestling.

And the High Option (additional $80.00 flat monthly rate) will cover Football (No Division One); Gymnastics; Rugby (No Division One); and Soccer. The LongTerm plan can be extended, but the Diplomat America plan cannot be extended or renewed.

International health insurance for students

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Best health insurance for students studying abroad

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OPT Status within F1 visa

Insurance plans for students on OPT status, OPT student insurance.

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M1 visa holders

Medical insurance for students on vocational training.

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Student health insurance - FAQ's

1. 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.

2. 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.

3. 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. American Visitor Insurance has made it easy to compare costs and find a cheapest health insurance for international students in USA just right for your situation.

4. Do f1 students need health insurance? Is travel insurance mandatory for USA student visa?

F1 students in the USA are not required to have health insurance. However, most universities mandate that international students have health insurance coverage, either by enrolling in the school's health plan or providing proof of equivalent coverage. This ensures that students have access to necessary medical care and are protected from high medical costs.

5. Can international students get health insurance? Can F-1 students get health insurance?

Yes, International students can definitely get student medical insurance. We offer many student insurance options on American Visitor Insurance ideal for international students. Often, universities themselves offer student insurance, however this can be expensive. At American Visitor Insurance, student insurance plans that we offer are considerably cheaper than the University insurance plans while providing similar coverage benefits. However, students should confirm if the University allows students to buy insurance outside the University and get the required insurance waiver for this student insurance.

Health Insurance for International Students resources

Popular health insurance for students studying abroad






Please contact our licensed agents at call +1(877)3407910 or email Click to send mail, and we will provide possible plan options


The students must be pursuing their education outside their home country
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Health Insurance for International Students Cost in 2024 (F1 visa insurance)

Most US universities require F1 visa students to buy student health insurance in the USA. Some universities make it mandatory for their international students to buy school-sponsored insurance. International students often purchase their health insurance in the University. While this is most popular and convenient, it is often expensive. The best medical insurance for students studying in the US offered on our website are cheaper, may satisfy university requirements and provide comparable coverage. You can compare the US student medical insurance plans that we offer by getting quotes which also shows the coverage details. We can facilitate getting the student health insurance waiver form completed if required by your college.

These study abroad health insurance plans are also available for international students with M1 Visa taking part in vocational or technical training.

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  • Plan Maximum $100,000
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Atlas America

$47.16

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  • ecg_heartPre-existing conditions coverage after 12 months.
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Insurance coverage for F2 or J2 Visa holders

Spouse and Childrens of F1 and J1 visa holders are issued the F2 and J2 visas respectively. While J1 visa holders have insurance requirements mandated by the US consulate, given the high health care costs in the US, it is prudent for F2 and J2 visa holders to also have proper insurance coverage.
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  • airplanemode_inactiveAvailable for full time students enrolled in a college.
  • signal_cellular_alt_2_bar Excellent comprehensive Student insurance suitable for OPT holders
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  • signal_cellular_alt_2_bar Comprehensive plan for US citizens living abroad and Non US citizens visiting the US.
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Atlas America

$47.16

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  • signal_cellular_alt_2_bar Comprehensive visitor insurance plan and is available for OPT holders and H1 Visa holders
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  • signal_cellular_alt_2_bar Comprehensive plan suitable for OPT holders until they qualify for domestic plans.
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Plan options for students in OPT status

International students on the F1 visa are allowed to enroll for optional practical training(OPT). This allows students to work off campus, or work without being enrolled for coursework in the university. Since students in this OPT visa status are not enrolled in coursework, they will be ineligible for some student insurance plans. KNOW MORE
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Best insurance for international students

Cheapest medical insurance for F1 students

International students studying abroad, along with their education get an opportunity to experience a new culture, see different parts of the world and meet new people with varied backgrounds. We work with all reputed US insurance providers to offer excellent F1 student health insurance.

American Visitor Insurance has a compare F1 visa student travel insurance tool along with article's and FAQ's with to help students fine the best health insurance for F1 students. The compare foreign student insurance tool displays the cost and coverage details of students medical insurance that satisfy f1 visa health insurance requirements. Students can easily find cheap health insurance for international students by comparing both cost and other F1 visa student insurance coverage benefits.

International student insurance

International student medical insurance – Blogs and Articles

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Compare best student insurance online

Compare different US students medical insurance plans online.

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Best medical insurance for international students in USA

Compare US international student insurance to find the plan for your budget and needs.

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Going to the US to Study?

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Which are the best foreign student medical insurance companies in USA?

You can find reliable US insurance providers like International Medical Group(IMG), WorldTrips, GeoBlue insurance.

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