Opt Insurance, OPT Student Insurance FAQ

OPT student insurance - FAQ's

01. Which are the best Optional Practical Training (OPT) medical insurance plans?

International Students on Optional Practical Training (OPT) status and not taking any courses can buy best OPT student insurance. These OPT student insurance plans offered on our website are comparable in coverage to university plans but are cheaper:

Best health insurance for OPT students in USA, OPT student health insurance
Atlas America Insurance
Buy online
  • Comprehensive plan with worldwide coverage including and excluding the US for visitors traveling outside their home country.
  • Plan provides coverage for Covid-19
  • Plan is suitable for OPT holders, H1 Visa holders, Green Card holders as a temporary health insurance plan during transition.
  • No arrival time restriction with this plan to come to the US.

Student Secure Elite
Buy online
  • This plan provides coverage for Corona and provides a policy maximum of $500,000
  • This plan is available for full time students enrolled in a college or University
  • Full time scholar affiliated with an educational institution and performing research for at least 30 hours per week.
  • People holding an F1 Visa ,OPT or a J1 Visa are eligible to buy this plan.
  • Students must reside outside their home country for the purpose of pursuing international educational activities.
Safe Travel USA
Buy online
  • This is a comprehensive plan for visitors or Non US citizens visiting the USA.
  • This plan provides coverage for Covid-19 and needs precertification for getting tested for the virus.
  • This is not available for US citizens, residents and Green Card holders.
  • This plan provides coverage for one well doctor visit and this must occur within 21 days after the plan has become effective and the plan must be purchased for a minimum of 30 days.
  • This plan provides up to $1000 for acute onset of pre existing condition
Patriot Exchange Insurance
Buy online
  • This is a student insurance plan for international students and exchange scholars enrolled in full time University
  • This plan covers Covid-19 and covers the expense for illness.
  • This is very popular among F1 Visa and J1 Visa holders.
  • Unique feature of this plan is J2 and F2 visa holders can buy this plan without J1 and F1 Visa holders being on the plan.
seven corners
Travel Medical Plus Insurance
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  • This plan provides coverage for individuals outside their home country.
  • This plan is specifically designed to cover Covid-19 illness and it provides coverage for Covid-19
  • This plan provides worldwide coverage including and excluding the US.
  • Within the US, the co insurance of this plan for in network PPO covers 90% of the expense after the deductible and for outside the PPO covers 80% of the expense up to $5000.
  • Outside the US the co insurance for the plan is covered for 100%
Global underwriters
Diplomat America Insurance
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  • This plan is available for Non US citizens coming to the US
  • This plan covers Covid-19 as any new illness
  • This plan DOES NOT cover pre existing conditions
  • The plan also covers US citizens living abroad coming to the US on business trips or vacation while living outside their home country.
  • The covers 80% up to the first $5000 and then covers 100% coinsurance when a claim has been activated.

02. Can I get student insurance during my Optional Practical Training (OPT) period?

International Students in the USA with the F1 (Students) visa are eligible to get internship on a work permit for 12 months. Since these students will no longer be taking courses in the university, many schools do not provide student insurance. These students on Optional Practical Training (OPT) will not be eligible for international student insurance as eligibility for these insurance plans require full time enrollment in the school.

International students also cannot avail of domestic insurance plans as they are not US citizens or permanent residents (Green card holders). However, we offer medical insurance for OPT students which are both affordable and comprehensive in their coverage.

Patriot Exchange student insurance is available for F1 and F2 Visa holders too. It is one of the few plans that allows F2 and J2 visa holders to buy the plan when the F1 and J1 visa holder is not enrolled in the Patriot Exchange plan as a result it is highlighted in the policy brochure.

03. How much do OPT Student Health Insurance Plans cost?

The OPT student health insurance plans cost varies depending on the age of the OPT student and the duration of coverage required. The older the student the higher will be the OPT medical insurance cost. The longer the duration of travel insurance required, the greater will be the cost of OPT Health Insurance for F1 Students.

Our Health insurance for OPT students quote comparison facility lists the opt student health insurance plans that satisfy your requirements comparing them based on price and benefit. Compare OPT student health insurance to find the best online.

04. Is it mandatory to have health insurance on OPT?

The US immigration authorities do not make it mandatory for students on Optional Practical Training (OPT) status to buy student insurance. However, given the very cost of healthcare in the US, and the relatively low cost of OPT insurance for the relatively young students, it is very logical to buy good OPT insurance which will cover the health of the student while he/she is on the OPT status.

Students on OPT status will not need any OPT student insurance if they have health insurance coverage from the institution where they are doing their Optional Practical training.

05. Does US OPT insurance cover covid19?

Covid19 OPT insurance is available for foreign students. International students can review and compare visitor medical insurance and find plans with Covid coverage that fit your needs. International Students can also buy the Student Secure health insurance: This is offered by WorldTrips and will cover eligible medical expenses resulting from COVID19/SARS-CoV-2.

06. Can I still use my university's insurance plan during OPT?

In some cases, universities allow OPT students to continue using their student health insurance plans for a certain period, usually for the duration of their OPT. However, this varies by institution, so you should check with your university's international student office to confirm the details. Student and travel insurance plans available on American Visitor Insurance work ideally for international students on Optional Practical Training status.

07. What if my university insurance doesn't cover my OPT period?

If your university's insurance plan doesn't cover your OPT period, you'll need to find an alternative health insurance plans that are available on American Visitor Insurance. OPT status students can compare OPT insurance on American Visitor Insurance to buy the OPT plan that suits their needs and budget best.

08. What kind of coverage should I look for in an OPT insurance plan?

When looking for OPT insurance, consider factors such as coverage for medical expenses, doctor visits, hospitalization, prescription medications, emergency care, and repatriation. Make sure the plan meets the requirements of your school and provides comprehensive coverage. OPT students can compare and buy the best OPT insurance on American Visitor Insurance for their specific needs and budget.

09. Are there specific insurance requirements for OPT?

Different schools might have their specific insurance requirements for OPT students. Typically, the insurance should meet certain minimum coverage levels and should be accepted by medical providers in the U.S.

10. Can I get insurance through my employer during OPT?

If your employer provides health insurance benefits to employees, you might be eligible to enroll in their plan. However, not all employers offer insurance to OPT employees, till they are confirmed as regular employees, and the coverage might vary. Check with your employer's HR department for details.

11. What happens if I don't have insurance during OPT?

If your school requires OPT students to have insurance and you don't maintain coverage, you might face consequences such as being ineligible for OPT authorization or potential visa issues. Moreover, being without insurance is very risky in the US in case of health emergencies given the high cost of US healthcare. It is prudent for OPT students to buy OPT insurance on American Visitor Insurance which is cheap and affordable.

12. How do I compare different insurance plans for OPT?

OPT students can compare and buy the best OPT insurance on American Visitor Insurance for their needs and budget. When comparing insurance plans on American Visitor Insurance you should consider factors like the coverage details, network of healthcare providers (PPO network), cost (premiums, deductibles, and co-pays), customer reviews, and the insurance company's reputation.

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.

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AmericanVisitorInsurance and/or its associates have tried to answer these frequently asked questions to the best of our knowledge. However we make no guarantee regarding the accuracy of our answers. The exact answers for some of the questions can change periodically as insurance companies change their plans/policies. AmericanVisitorInsurance is not liable for any problem resulting from the content on this FAQ. If you do not agree with the terms of this disclaimer, please do not use any information in this FAQ..
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