International student health insurance plans starting at $30 per month.
Student travel insurance is a specialized insurance policy designed to protect students traveling internationally for higher education.It provides financial protection against unexpected medical and travel emergencies, allowing students to focus on their studies without added stress.
When choosing the best student health insurance in the USA, international students should consider several key factors to make sure they have adequate protection and are compliant with school or visa requirements. Compare the best student health insurance plans for USA at American Visitor Insurance, offering plans that meet waiver criteria and provide comprehensive coverage.
Covers doctor visits in case of sudden injury or sickness.
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Some plans cover high school sports activities.
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Repatriation of remains expenses to home country in case of death.
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Expenses from sudden dental pain and accidental dental injuries.
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Some plans offer coverage for pregnancy, maternity and new born.
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Student Insurance for Pre-Existing Medical Conditions.
Know more »The cheapest health insurance for F1 students is offered by Student Journey Lite insurance plan, starting at just $30 per month. Other affordable student health insurance option includes Student Secure Smart insurance and Student Journey Plus insurance. This cost mainly depends on different factors such as student's age, coverage duration, medical benefits, deductible, and co-insurance.
To compare more budget-friendly plans and understand how to choose the cheapest health insurance for international students in USA, check our complete guide dedicated to helping students find the best and most affordable coverage.
Cheapest
Age: 20 years · $360 / year
Recommended
Age: 20 years · $372 / year
Best Coverage
Age: 20 years · $576 / year
The best health insurance for international students in the USA are Student Journey Platinum by IMG, Patriot Exchange Program from IMG, StudentSecure Select from WorldTrips. Choosing the best health insurance for international students in the USA depends on factors such as personal health needs, budget, university insurance requirements, and visa status.
To compare more budget-friendly plans and understand how to choose the Best student health insurance, check our complete guide to the Best health insurance for international students in the USA
Most Popular
Age: 20 years · $938 / year
High Coverage
Age: 20 years · $888 / year
Premium
Age: 20 years · $1248 / year
How much is Low-cost medical insurance for international students in America? How much does Insurance for foreign students in America cost per month? How much does international student health insurance cost per month?
The F1 Visa Health Insurance Cost in the USA typically ranges from $30 to $124 per month, depending on the coverage level and benefits selected.
The monthly cost of F1 student health insurance in the USA shown below is based on coverage for students aged 20.
| Plan | Cost (Monthly) | Max Coverage | Deductible | Pre-existing | Best For |
|---|---|---|---|---|---|
| Student Journey Lite IMG | $30 | $150,000 | $100 | After 6 months | Budget-friendly basic coverage |
| StudentSecure Smart WorldTrips | $32 | $200,000 | $0 | Acute onset covered | Zero deductible + acute onset coverage |
| Student Journey Plus IMG | $48 | $300,000 | $500 | After 6 months | Higher coverage with affordable premium |
| StudentSecure Budget WorldTrips | $53 | $500,000 | $0 | After 12 months | Budget-friendly plan with higher coverage limits |
| Patriot Exchange Program IMG | $56 | $50,000 | $250 | After 12 months | Short-term students & adventure sports |
| Diplomat America Global Underwriters | $71 | $50,000 | $250 | After 12 months | Acute onset covered |
| Student Journey Platinum IMG | $74 | $500,000 | $250 | After 6 months | Comprehensive coverage with higher limits |
| StudentSecure Select WorldTrips | $106 | $1,000,000 | $0 | After 6 months | Maximum coverage & premium benefits |
| Student Health Advantage Standard IMG | $124 | $500,000 | $250 | After 12 months | Comprehensive student health coverage |
Source: American Visitor Insurance®
The following are some of the best international student health insurance plans in USA. If you want a side-by-side comparison of the most popular and highly rated options, explore our top 5 best health insurance plans for international students in the USA.
or United HealthCare 
Policy maximum?
$50,000 to $5,000,000
Deductible options?
$0 to $500
Period of coverage?
1 month up to 12 months
Policy maximum?
$500,000
Deductible options?
$250
Period of coverage?
30 days to 12 months
Policy maximum?
$1,000,000
Deductible options?
$0
Period of coverage?
30 days to 364 days
or United HealthCare Policy maximum?
$500,000
Deductible options?
$250
Period of coverage?
1 month up to 12 months
Policy maximum?
$1,000,000
Deductible options?
$0
Period of coverage?
30 days to 364 days
or United HealthCare Policy maximum?
$1,000,000
Deductible options?
$100
Period of coverage?
1 month up to 12 months
Below is a sample scenario to help students understand how Patriot Exchange insurance works in practice while studying abroad.
In this example:
| Item | Details |
|---|---|
| Insurance Coverage | Up to $50,000 |
| Deductible | $100 per certificate period |
| Medical Expenses (Claimed) | $25,100 |
After the insured pays the $100 deductible, the Patriot Exchange plan applies its standard cost-sharing structure:
Since the total medical bill is $25,100, the insured is responsible for 20% of the first $5,000, which equals $1,000.
All remaining eligible charges are paid by the insurance company. Because the policy maximum is $50,000, the full claim amount fits within the allowed limit.
| Expense Type | Amount Billed | Amount Insurance Pays | Amount Student Pays |
|---|---|---|---|
| Deductible | $100 | $0 | $100 |
| Hospital Room Rent | $9,000 | $8,000 | $1,000 (20% of first $5k) |
| Surgery | $15,000 | $15,000 | $0 |
| X-ray & Diagnostics | $1,000 | $1,000 | $0 |
| Total | $25,100 | $24,000 | $1,100 (Deductible $100 + Coinsurance $1,000) |
In this example, the student pays a total of $1,100 ($100 deductible + $1,000 coinsurance), and Patriot Exchange covers the remaining $24,000. This demonstrates how the plan protects students from major medical expenses while studying abroad.
We have made every effort to ensure the information above is accurate and current. However, policy terms, benefits, and limits may change periodically. Please refer to the official Patriot Exchange policy brochure for exact details.
Yes. If your university does not require enrollment in a specific student health insurance plan or does not impose minimum coverage requirements, you are generally free to choose the insurance plan that best fits your needs and budget.
You can select either a student insurance plan or a travel medical insurance plan depending on what coverage you prefer.
If you prefer private or non-university health insurance plan instead of student-specific plans, you can consider these popular options:
A PPO (Preferred Provider Organization) for student health insurance such as UnitedHealthcare PPO student insurance can be extremely beneficial for international students seeking emergency coverage in the USA.
A buying student health insurance with good PPO network provides international students with a balance of broad access to quality healthcare providers and significant cost savings when using in-network services. This makes navigating the complex US healthcare system much more manageable and affordable.
International students may need medical evacuation and repatriation insurance to meet visa or school requirements.
Policy maximum?
$75k
Deductible options?
$0
Period of coverage?
364 days
Policy maximum?
$100k
Deductible options?
$50k
Period of coverage?
365 days
With over 20 years of experience, American Visitor Insurance is a trusted marketplace helping international students find affordable, university-compliant student health insurance while navigating the complexities of the U.S. healthcare system.
AmericanVisitorInsurance.com is one of the leading platforms for comparing international student health insurance in the USA. Students can easily review multiple plans, compare pricing, check coverage levels, and understand policy features.
We offer plans from top-rated U.S. insurers such as IMG, WorldTrips, and Global Underwriters all in one place.
Whether you are an F-1 student, J-1 exchange visitor, OPT participant, CPT intern, language school student, or attending a U.S. university or high school, you can choose from plans that offer:
Our student plans are often much cheaper than university insurance, offering strong coverage at lower rates. You can get instant quotes, compare policies, and enroll online with no hidden fees.
Many plans give access to large U.S. PPO networks like UnitedHealthcare, helping students:
Our licensed and highly experienced support team is here to help you at every step:
When choosing the best travel insurance for students studying abroad, understanding the factors that drive the cost is important.
For a detailed breakdown of these factors and tips on choosing the right plan, visit our guide on the factors for buying best student health insurance plan.
International students in the US come from different countries, with diverse economic backgrounds and face different financial needs. At American Visitor Insurance we offer health insurance for international students with flexible payment structures designed to make it more affordable and convenient, whether they are in the US for a semester or for an entire program spanning many semesters.
International Student Insurance Payment Options in the U.S.| Payment Period | Highlights | Advantage | Disadvantage |
|---|---|---|---|
| Monthly | Monthly payments, with recurring installments | Flexible with small installments | Overall higher total cost, and time consuming, Student must remember to pay on time to keep student medical insurance active. |
| Yearly | Pay the full premium up front (for entire policy period usually one year) | Cheaper than monthly payments, no risk of losing coverage by oversight | Larger upfront cost |
| Method | Description | Speed | Highlight |
|---|---|---|---|
| Online Application | Complete online application and payment on American Visitor Insurance | Fast — Policy issued instantly | Most common and use Credit card |
| Paper Application | Complete paper forms and submit documents by post | Slower — Takes time (few days) to process | Can pay by Check |
For international students who are unable to complete an online purchase, some student medical insurance plans offer a paper application option. This offline method is ideal for applicants who do not have access to international credit cards, online banking, or U.S.-based payment methods.
American Visitor Insurance assists international students with both paper applications and online insurance purchases. Students can apply without online payment by submitting required documents manually through a paper application, or they may complete enrollment online with step-by-step guidance from experienced representatives. Applications can also be coordinated through schools, sponsors, or program coordinators when needed.
With flexible payment options and multiple enrollment methods, American Visitor Insurance supports international students applying from outside the United States and those seeking a simple, reliable, non-digital, or assisted way to purchase student medical insurance.
If you’re an international student planning to study in the USA on an F1 visa, having the right health insurance is essential. Most of the universities typically require F1 students to have health insurance coverage for medical expenses, emergency medical evacuation, repatriation of remains, and often mental health or maternity care. To make sure you meet both university and visa requirements, explore our comprehensive guide on best F1 visa health insurance requirements in USA.
If more than two students are traveling overseas, you can buy the student group insurance plan. Buying a group insurance plan makes it easier to administer the plan as well as works out to be cheaper than buying individual student travel plans.
View group plans »Give your child the protection they deserve while studying in the United States. The K–12 international student health insurance on American Visitor Insurance is specially designed for school-aged children, offering reliable coverage for accidents, illnesses, and medical emergencies throughout the school year.
With benefits like hospitalization, outpatient care, prescription coverage, and accident protection, parents can feel confident knowing their child is protected no matter where they study.
Affordable, flexible, and easy to enroll, this plan ensures peace of mind for parents and uninterrupted learning for students - so they can focus on education while K-12 health insurance takes care of their medical expenses.
“ After rigorous searching for suitable student health insurances online, I stumbled upon the American visitor Insurance website and the customer representatives were really patient and helpful in guiding me with the best plan that suits me. ”
Anirudh
“ Your customer service provided me with perfect service and helped me very much to find policy I needed (for J2 visa). She was very polite and answered all my questions. I'm fully satisfied with the service. Thank you very much! ”
Amanda
Insurance plans for students on OPT status, OPT student insurance.
Learn More »Do international students in the US have to comply by the Affordable care act (ACA) rules? The Affordable Care Act (ACA) does not require international students in the United States to comply with its rules. The ACA primarily focuses on health insurance coverage for U.S. citizens and eligible residents. However if the student has been in the US for more than Five years, the ACA rule will come into effect.
Know more »All students should have travel insurance student for international travel. Health care costs outside your home country are very high 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 the best student travel health insurance plans before any emergency situation arises so that you do not find yourself in serious debt.
Yes international students can get student travel health insurance. International students can buy the best study abroad travel insurance quite easily online. Students can compare different international study abroad travel insurance plans online and then buy the best student travel health insurance for students studying abroad to get coverage as early as the following day.
Student travel insurance is important since it offers financial protection against various unforeseen events, such as medical emergencies, trip cancellations, baggage loss, and other travel-related issues. Healthcare and travel related costs in the USA can be extremely high, so having the best travel insurance for international students is crucial.
Not all plans cover pre-existing medical conditions, but some US student travel policies offered in American Visitor Insurance offer limited coverage or require an additional premium for such conditions. It's essential to check the policy details and discuss this with the insurance provider.
Most student travel insurance plans are available for individuals between the ages of 16 and 35. However, age restrictions can vary among insurance providers offered in American Visitor Insurance.
Student travel insurance policies available in American Visitor Insurance have flexible availability, ranging from a weeks to a few years, depending on the length of your academic program.
Most insurance providers offered in American Visitor Insurance allow policy extensions, but it's essential to inquire about the extension options and any limitations beforehand.
While some educational institutions may recommend or have tie-ups with certain insurance providers, you are generally free to choose any reputable insurance company available in American Visitor Insurance that offers suitable coverage for your needs.
To file a claim, you will need to contact your insurance provider's claims department as soon as possible. They will guide you through the process and provide the necessary forms and information.
Yes, in most cases, you can use your student travel insurance for personal travel within the USA. However, it's essential to compare the different plans using the student travel insurance comparison tool in American Visitor Insurance to review the details to ensure that it covers your needs well.
Yes, you can buy student travel insurance policy even if you are already studying abroad. However, not all student travel insurance plans give you this option and you can find a policy on American Visitor Insurance that covers student travelers who are already abroad.
Student travel insurance covers the specific needs and risks of students who are studying abroad and outside their home country. It can provide coverage for medical expenses, trip cancellation, loss of baggage, personal liability, and more. These are some common eligibility criteria for student travel insurance. Different insurers may have different terms and conditions, so it is advisable to check the policy document carefully before buying one. You can also compare different plans and features on American Visitor Insurance online to find the best one for your needs and budget.
International travel insurance for U.S. students, often called as overseas student health insurance is a type of insurance policy designed to cover American students while they are studying, or traveling abroad. It provides financial protection and medical support for unexpected events that may occur during their time outside the U.S.
Students can purchase the best health insurance for studying abroad plans online on American Visitor Insurance. International students can compare a wide range of study abroad health insurance options online and choose the most suitable travel medical insurance plan.
Coverage can begin as early as the next day after purchase. International student travel insurance typically covers:
Millions of students travel abroad every year for global exposure, quality education,and better career opportunities. Countries like the Canada, the UK, Australia, France, China, Germany and the United States are some of the popular destinations for International students. The US has by far been the most popular student destination for many years now, and has seen thousands of students flocking from China, India, Korea, Taiwan, Japan, Saudi Arabia, Brazil, the UK, France, Pakistan, Bangladeshand many more.
Studying abroad is exciting, but healthcare overseas can be expensive which is why proper international student medical insurance is essential.
Going to college outside your home country is a big step in life. While students enjoy independence and new experiences, falling sick in a foreign country without support can be stressful and costly.
Having international student medical insurance ensures students receive proper treatment without financial burden.
Research shows that students studying abroad frequently experience common illnesses such as colds, flu, stomach infections, allergies, and stress-related conditions.
These illnesses spread easily because international students often:
These factors can weaken the immune system. While these conditions may seem minor,delayed treatment can lead to more serious health complications.
In countries like the United States, many universities require students to have valid student medical insurance. Most campuses provide health insurance advisors who help students understand:
Having proper coverage ensures students receive timely care without facing overwhelming medical costs.
There are many platforms offering student insurance, but America Visitor Insurance helps international students find affordable international student insurance comparable to university-sponsored plans important factors to consider while buying student health insurance.
Students can:
Buying student medical insurance is not just a requirement — it provides financial protection and peace of mind against unexpected medical emergencies while studying abroad.
Student travel insurance is a type insurance that covers the specific needs and risks of travel insurance for exchange students who are studying abroad either in the United States, or US students abroad. It can provide coverage for medical expenses, trip cancellation, loss of baggage, personal liability, and more. When US students who are traveling abroad, either as a group or as individuals, be it for a short visit of a few days, or for longer stays of a semester abroad or even longer, it is important to have very good student insurance from the US since healthcare in different countries might not be good and this insurance can help them better access the best healthcare available. Having best student travel insurance will also help US students with trip cancellation or any trip interruption expenses given the possible disruptions in international travel while outside the United States. US students may also want to look for optional features such as cancel for any reason (CFAR), which allows you to cancel your trip for any reason and get a partial refund of your trip cost. For international students coming to the United States, on the F1 visa, they should be aware that the US has higher medical costs than other countries and hence having best student travel insurance is imperative.
US travel health insurance providers have student plans suitable for US students studying abroad. It is very important for US students traveling outside of the United States to have a suitable health insurance plan to cover them for any sickness or unexpected injury. The following are Four popular international student plans. Students can also use our compare facility to view more plans if needed.
Each of the plans vary slightly in terms of benefits and price. If the University has any specific requirements, please feel free to contact us on the phone or by email. Students can buy best student travel insurance plans online without any additional paperwork.
After completing the transaction, the customer will receive a confirmation email from insurance provider instantly which will have the ID Card and policy details attached to it.
Click here for popular countries for US Students study abroad»
The US student abroad cost ranges from $26 to $289 per month. The price depends on the factors such as student's age, coverage duration, medical benefits, deductible, and co-insurance.
The best student health insurance abroad cost per month for an international student aged 20 years.
| Insurance Plans | Policy maximum | Deductible | Cost |
|---|---|---|---|
| StudentSecure Smart WorldTrips | $200,000 | $0 | $26 |
| Patriot Exchange Program IMG | $50,000 | $250 | $39 |
| StudentSecure Budget WorldTrips | $500,000 | $0 | $47 |
| Student Health Advantage Standard IMG | $500,000 | $250 | $82 |
| StudentSecure Select WorldTrips | $1,000,000 | $0 | $80 |
| Student Health Advantage Platinum IMG | $1,000,000 | $25 | $246 |
| Study Abroad Student Insurance BCBS | Unlimited Coverage | $0 | $289 |
Source:American Visitor Insurance®
Review student insurance plan benefits.
At American Visitor Insurance we offer the best student insurance for US students studying outside USA. This is very important for US students while outside the USA to have the best health insurance coverage for sudden sickness or unexpected injury. One can compare student insurance USA plans based on cost and benefits. Do contact our customer support for clarification or if the University has specific requirements.
One can buy the student insurance USA online, to instantly get the student insurance USA ID Card and policy details. These can used to avail any of the student insurance benefits.
Click here for popular countries for US Students study abroad »Yes, BCBS Voyager plans offers coverage for Students or teachers going abroad for a semester.
Commonly asked questions about cheapest international student health insurance.
Click here to read more »Resources for cheapest insurance for international students in USA.
Click here to read more »Factors while buying best international student health insurance USA.
Click here to read more »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.
Compare different US students medical insurance plans online.
Read more »Compare US international student insurance to find the plan for your budget and needs.
Read more »Compare US students medical insurance for the plan that fits your needs best.
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Egypt
Honduras
Jamaica
Russia
Singapore
Trinidad/Tobago
UAE
Ukraine
Croatia
Grenada
Guatemala
Latvia
Panama
Romania