Affordable health insurance for K–12 School students in the USA

K-12 health insurance in the U.S. is accident and health insurance specifically designed for students in grades K-12. These policies are designed to cover students while attending class, while engaged in school-sponsored activities, and even during non-school time depending on the policy itself. insurance is available for both domestic students (i.e. U.S. students) and foreign students attending U.S. schools, and even plans for school employees.

• Coverage for accidents & illnesses: Whether they suffer a sports injury, the flu, or have a chronic condition, a suitable insurance plan can cover the original doctor visit, urgent care visit, hospitalization, physician prescribed medications, and much more coverage.
• Preventive & mental health care: Some insurance may even offer preventative care, vaccines, and care/support for mental health.

• 24-Hour accident aoverage: The coverage of this option is extended to cover the student after school hours, on weekends, and on holidays. Students are covered no matter where they are.
  Benefits may include:
  • Full time coverage for accident, on and off school grounds.
  • Extra coverage if injuries occur at home or in the community.
  • Optional coverage for dental and dismemberment.
  • Suitable for: Families looking to provide accident coverage for their children year-round.
• Catastrophic accident insurance: This insurance is for severe, life-changing injuries. Catastrophic accident insurance offers a high limit of financial coverage for serious medical accidents. Features include:
  • High limits (Up to $5 million or more).
  • Long-term disability support and rehabilitation .
  • Prosthetic, therapy and ancillary care.
  • Ideal for: Student athletes or people who participate in higher risk activities..
• International K–12 student health insurance: These insurance programs are tailored for international students (F-1, J-1, or dependent visas) studying in U.S. elementary, middle or high schools. Annual coverage is robust and includes:
  • Visits to primary and specialty doctors
  • Emergency room and hospitalizations
  • Mental health
  • Prescriptions
  • Preventive care and immunizations
  • COVID-19 coverage
  • Requirement set forth by: Private Schools, Boarding Schools and Public Schools and exchange programs.
• Voluntary school-based health plans: Many schools in the USA offer optional insurance plans directly available to students. These often combine accident and underlying medical coverage.
  Ideal for: Domestic families not covered under their parents' employer plan or requiring supplemental coverage.
• Medicaid & CHIP (U.S. citizens and legal residents): Low-income families with children in the U.S. may qualify for free or low-cost health coverage through state-sponsored programs, including Medicaid or the Children's Health insurance Program (CHIP). Coverage includes:
  • Follow-up visits to the doctor and routine check-ups
  • Immunizations and preventive care
  • Hospital and emergency care
  • Vision and dental coverage
  • Note: International students may not use these programs.

• Medical costs for injuries that happen to students on school grounds or at school events.
• Optional illness and health coverage for international students, which may include coverage for home doctor visits, hospitalizations, and other types of emergency care.
• Sport and athletics-related injuries (including specific football coverage for high school athletes included in some plans).
• Dental and vision accidents (many plans include this).
• Medical evacuation and repatriation coverage for international students.

K–12 health insurance can be a significant advantage for students' health and well-being during their educational experience in the United States. Whether you are a parent, guardian or an International Student Coordinator, adequate coverage gives students access to necessary healthcare in a financially viable manner. Listed below are the major groups who are benefit from purchasing K–12 health insurance through American Visitor insurance:

• Students with no other health insurance: Many students are not on a family or employer sponsored health plans. K–12 student insurance provides an economical way to:
  • Cover medical emergency expenses from illness or injury.
  • Provide access to doctor visits, vaccinations and preventative care.
  • Meet school district or state insurance requirements.
• Families seeking supplemental coverage: While a student may have a primary health insurance plan, unexpected costs for deductibles or uncovered services can become substantial. K–12 accident or health insurance supplements the coverage provided by existing plan by providing coverage for:
  • Sports injuries and other school-related accidents.
  • Additional dental, vision and mental health coverage.
  • Reducing out-of-pocket costs like copays and coinsurance.
  • Visits to primary and specialist care.
• International K–12 students on F-1, J-1, or M-1 visas: Many U.S. K–12 schools require international students to maintain valid health insurance. These specialized plans from American Visitor insurance are designed to:
  • Meet U.S. visa and school insurance requirements.
  • Include coverage for hospitalization, emergency services, evacuation, and repatriation.
  • Offer access to nationwide PPO provider networks.
  • Ideal for students enrolled in public or private schools, exchange programs, or boarding schools across the U.S..
• Exchange students and short-term visitors: Exchange students attending U.S. schools temporarily can benefit from flexible, short-term K–12 insurance plans that offer:
  • Monthly or semester-based enrollment options.
  • Comprehensive medical coverage for accidents and illnesses.
  • Optional sports injury coverage (often required by schools).
• Boarding and private school students: Private and boarding schools across the U.S. often require students to carry valid health insurance. Whether the school offers its own plan or asks families to secure independent coverage, our plans provide:
  • Nationwide medical access for students living away from home.
  • Full compliance with private school health insurance rules.
  • Optional add-ons like dental, vision, and mental health benefits.