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Best Medical Insurance for Australian Students in the USA

The United States is one of the most popular destinations for Australian students because its universities provide world-class education and its research facilities offer advanced technology and students can access international job opportunities. Each year, thousands of Australian students use F-1 and J-1 visas to study undergraduate and postgraduate programs and take part in exchange and research activities in the United States.

Studying in the United States brings transformative educational experiences however healthcare costs in the United States are among the highest in the world. A simple doctor consultation costs several hundred dollars whereas medical emergencies lead to expenses that exceed one thousand dollars. This makes medical insurance for Australian students in the USA essential both for financial protection and meet university requirements.

International students at U.S. universities must maintain continuous health insurance during their entire period of study. Universities have established their own minimum coverage requirements because no federal F-1 visa insurance requirements exist. Students who fail to meet these requirements often automatically enrolled in expensive university-sponsored plans.

Australian students can bypass school insurance requirements by obtaining international student health insurance that meets the same standards.

Important: Australian Medicare and OSHC plans do not provide coverage in the USA. Private Australian travel insurance is also usually not waiver-compliant for U.S. universities.

Why Australian Students Need Health Insurance in the USA?

International students who live away from their home countries face many challenges which include managing their academic responsibilities, part-time work and their process of adapting to a new cultural environment. Health problems which include both physical illnesses and mental health conditions affect students. Students without insurance face difficulties in managing their treatment expenses, which can become unaffordable.

The United States offers international students a comprehensive health insurance plan which provides coverage for:
  • Doctor visits and hospitalization
  • Emergency medical treatment
  • Prescription medications
  • Mental health services (required by many universities)
  • Emergency medical evacuation
  • Repatriation of remains
  • Sports-related injuries (depending on the plan)

At American Visitor Insurance, Australian students can compare and purchase university-compliant student medical insurance plans with pre-existing conditions coverage and is cheaper than university plans with similar coverage. Students can compare health insurance plans for Australian students studying in the USA and choose the most suitable medical coverage for your stay. For more details students can call customer service or email the team and one of the licensed agents we will be glad to help you select the right U.S. student health insurance for Australian students, ensuring it meets university and visa requirements.

What Is the Cheapest Student Health Insurance for international students from Australia in USA?

The cheapest health insurance for Australian students in USA is the Student Journey Lite Insurance from IMG

Other affordable student health insurance options include:

Student Journey Lite IMG

  • Ideal for : Individuals on J1, F1, and M1 visas.
  • Pre-existing condition: Covers after 6 months of waiting period.
  • Direct Billing: United HealthCare United Healthcare Provider Network
  • Renewal: Can be renewed from 30 days to 12 months.
  • The Student Journey Lite insurance cost starts at approximately $30 per month, offering coverage up to $150,000 with a $100 deductible. An annual payment option is available to students.

  • Policy maximum?
    $150,000

  • Deductible options?
    $100 per injury or illness

  • Period of coverage?
    30 days to 12 months

How Much Does International Student Health Insurance Cost in 2026?

Health insurance costs for international students in USA vary based on age, coverage limits, deductible level, and insurance provider. The monthly cost of international student insurance in the USA typically ranges from $30 to $124 per month.

The monthly cost of health insurance for international students USA varies based on the coverage level selected 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®

Important: WorldTrips StudentSecure Insurance is not available to individuals who are physically located in Australia at the time of purchase.

What Are the Best Health Insurance for International Students from Australia in USA?

The best health insurance for international students in the USA is Patriot Exchange Program plan by IMG, with prices starting at $56 per month.

Other top student health insurance for USA include Student Journey Platinum and Student Health Advantage plan from IMG.

Most Popular

Patriot Exchange Program

$56 / month

Age: 20 years · $938 / year

  • Student Health Center Deductible/Copay: $5 per visit
  • Medical Evacuation: $50,000 policy maximum
  • Urgent Care Clinic: 90% In-Network Coverage / $50 Copay
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High Coverage

Student Journey Platinum

$74 / month

Age: 20 years · $888 / year

  • Student Health Center Deductible/Copay: $25
  • Emergency Medical Evacuation: Unlimited
  • Urgent Care Clinic: 80% In-Network Coverage / $50 Copay
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Premium

Student Health Advantage

$128 / month

Age: 20 years · $1486 / year

  • Student Health Center Deductible/Copay: $5 per visit
  • Medical Evacuation: Up to $500,000 lifetime maximum
  • Urgent Care Center: Included
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What Does International Student Insurance Cover?

How Australian Students Can Choose the Right Health Insurance Deductible?

Deductibles affect both your monthly premium and out-of-pocket expenses:

  • Low deductible: Higher monthly premium but lower costs when care is needed.
  • High deductible: Lower monthly premium but higher out-of-pocket costs in emergencies.

Tips: Students who are generally healthy and rarely visit the doctor may save money with a higher deductible plan. Students with ongoing medical needs may benefit from lower deductible plans.

Which Student Health Insurance Plan Fits Your University Requirements?

Australian students studying in the USA require health insurance which meets both university waiver requirements and visa requirements. The table below shows common US university insurance requirements with suitable international student health insurance plans.

Recommended Student Health Insurance Plans for Australian Students
University / Visa Requirement Recommended Student Insurance Plans
Mental health coverage required StudentSecure Select, Student Journey Platinum
Deductible $500 or less StudentSecure Smart, Student Journey Plus, Patriot Exchange
Coverage for sports activities Student Health Advantage, Diplomat LongTerm, Student Secure
OPT (Optional Practical Training) coverage Patriot Exchange, StudentSecure Elite, Student Journey
High medical coverage limit ($1M+) StudentSecure Select, StudentSecure Elite, Student Journey Platinum
Budget-friendly option Student Journey Lite, StudentSecure Smart, Student Journey Plus

University health insurance requirements vary. Always confirm that the selected plan meets your school’s waiver criteria, including coverage limits, deductible, co-insurance, mental health benefits, and sports coverage.

Important: WorldTrips StudentSecure Insurance is not available to individuals who are physically located in Australia at the time of purchase.

What Factors Determine International Student Health Insurance Cost?

When choosing the best travel insurance for students studying abroad, understanding the factors that drive the cost is important.

1. Student’s Age

  • Younger students usually pay lower premiums.
  • The prices for best health insurance for f1 students in USA increase with age due to higher medical risk.

2. Duration of Coverage

  • Whether it's a short summer program or a full multi-year degree, longer coverage = higher cost.
  • Most student plans are priced monthly or daily, so your total cost scales with time.

3. Deductible Amount

  • A higher deductible reduces your monthly premium.
  • Lower deductible = better emergency coverage, but increased plan cost.

4. Type of Insurance Plan

  • Budget plans cover essentials only (emergency care, accidents).
  • Comprehensive plans include broader protection (checkups, mental health, maternity) — priced higher.

5. Visa or University Requirements

  • Some visas (like F-1 or J-1) or universities require a minimum coverage standard.
  • This can increase cost if your plan needs an upgrade to meet the requirements.

6. Optional Add-on Benefits

  • If the students need additional coverage for specific activities like adventure sports mental illness, preventive care services, home country would cost more.

7. Maximum F1 Student Insurance Coverage

  • Plans typically range from $50,000 to $500,000+.
  • Higher coverage = more protection, but also higher premiums.
  • The cost of F1 student health insurance is less for lower medical maximum and increases with higher medical maximum coverage.
  • Important to meet visa or university requirements.

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.

What Are The Steps To Buy Medical Insurance For F1 Students?

1 Check With Your University or College
Ask if they provide the best health insurance for international students in the USA and whether enrollment in their plan is mandatory.
2 Understand Your University’s Requirements
If your university offers a plan, determine whether you must purchase it or if you can choose an alternative plan that meets their standards.
3 Compare Alternative Plans
If alternatives are allowed, compare the most affordable and best-rated F1 student health insurance options on American Visitor Insurance.
4 Evaluate Coverage and Costs
Compare university-offered insurance with alternative plans, considering price, coverage benefits, deductibles, co-pays, and exclusions.
5 Include Dependents If Needed
If you have dependents, review options for F2 visa health insurance and J2 visa medical insurance to ensure everyone is covered.
6 Choose the Best Plan
Select the F1 student health insurance that fits your budget, meets your healthcare needs, and complies with university requirements.
7 Complete Enrollment
After purchasing your plan, keep all documents you receive by email, as they may be needed for enrollment verification at your university.

Which Is the Popular Health Insurance for International Students in USA 2026?

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.

Patriot Exchange Program IMG

  • Ideal for : F1 & J1 students visa holder, Adventure Sports
  • Pre-existing condition: Comprehensive plan with high medical maximum and pre-existing conditions coverage after 12 months of waiting period.
  • Mental health: Out Patient : Max 50 visits, maximum limit, Inpatient: Up to $10,000
  • Direct Billing: First healthcare network First health care Provider Network or United HealthCare United Healthcare Provider Network
  • Renewal: Can be renewed and extended up to 24 months.
  • Patriot Exchange Program insurance cost for a 20 years old student starts from $56 per month ($675 per year). An annual payment option is available to students.

  • Policy maximum?
    $50,000 to $5,000,000

  • Deductible options?
    $0 to $500

  • Period of coverage?
    1 month up to 12 months

Student Journey Platinum IMG

  • Ideal for : J1, F1, A1 and M1 visas, Adventure Sports, Maternity
  • Pre-existing condition: Covers after 6 months of waiting period
  • Mental health: Out Patient : Max 40 visits, maximum limit, Inpatient: Up to 30 days max
  • Direct Billing: United HealthCare United Healthcare Provider Network
  • Renewal: Can be renewed and extended up to 12 months.
  • Student Journey Platinum insurance cost for a 20 years old student starts from $74 per month ($888 per year). An annual payment option is available to students.

  • Policy maximum?
    $500,000

  • Deductible options?
    $250

  • Period of coverage?
    30 days to 12 months

StudentSecure Select Worldtrips

  • Ideal for : F1 & J1 students visa holder, Maternity, Sports coverage
  • Acute on set of pre-existing condition: $25,000 up to policy maximum
  • Mental health: Physician Office Visit: Max 30 visits, Inpatient: Max 30 days (includes drug and alcohol abuse)
  • Direct Billing: United HealthCare United Healthcare Provider Network
  • Renewal: Can be renewed and extended up to 4 years.
  • Student Secure Select insurance cost for a 20 years old student starts from $106 per month ($1248 per year). You can buy the plan either on a monthly or a yearly basis.

  • Policy maximum?
    $1,000,000

  • Deductible options?
    $0

  • Period of coverage?
    30 days to 364 days

Student Health Advantage Standard IMG

  • Ideal for : F1, J1,M1 and A1 students visa holder, Adventure Sports
  • Pre-existing condition: Covers after 12 months of waiting period
  • Mental health: Out Patient : Max 50 visits, maximum limit, Inpatient: Up to $10,000
  • Direct Billing: First healthcare network First health care Provider Network or United HealthCare United Healthcare Provider Network
  • Renewal: Can be renewed and extended up to 60 months.
  • Student Health Advantage Platinum insurance cost for a 20 years old student starts from 118 per month ($1,416 per year), both monthly and annual payment options are available. Offers high policy maximum and good coverage for various medical emergencies.

  • Policy maximum?
    $500,000

  • Deductible options?
    $250

  • Period of coverage?
    1 month up to 12 months

StudentSecure Elite Worldtrips

  • Ideal for : F1 & J1 students visa holder, Maternity, Sports coverage
  • Acute on set of pre-existing condition: $25,000 up to policy maximum
  • Mental health: Physician Office Visit: Max 40 visits, Inpatient: Max 40 days (includes drug and alcohol abuse)
  • Direct Billing: United HealthCare United Healthcare Provider Network
  • Renewal: Can be renewed and extended up to 4 years.
  • Student Secure Elite insurance cost for a 20 years old student starts from $181 per month ($2135 per year). You can buy the plan either on a monthly or a yearly basis.

  • Policy maximum?
    $1,000,000

  • Deductible options?
    $0

  • Period of coverage?
    30 days to 364 days

Student Health Advantage Platinum IMG

  • Ideal for : F1, J1,M1 and A1 students visa holder, Adventure Sports, Maternity
  • Pre-existing condition: Covers after 12 months of waiting period
  • Mental health: Out Patient : Max 50 visits, maximum limit, Inpatient: Up to $10,000
  • Direct Billing: First healthcare network First health care Provider Network or United HealthCare United Healthcare Provider Network
  • Renewal: Can be renewed and extended up to 60 months.
  • Student Health Advantage Platinum insurance cost for a 20 years old student starts from $353 per month ($4,236 per year), both monthly and annual payment options are available.

  • Policy maximum?
    $1,000,000

  • Deductible options?
    $100

  • Period of coverage?
    1 month up to 12 months

How International Student Insurance Works?

  1. You purchase a student insurance plan online
  2. Visit a doctor or hospital (preferably in-network)
  3. Pay the deductible (if applicable)
  4. The insurance pays eligible expenses as per policy terms
  5. Claims are processed directly or reimbursed
A Working Example of Using Patriot Exchange Program Insurance

Below is a sample scenario to help students understand how Patriot Exchange insurance works in practice while studying abroad.

In this example:

  • Medical Bill: $25,100
  • Deductible: $100
  • Selected Policy Maximum: $50,000

Coverage Overview

Item Details
Insurance Coverage Up to $50,000
Deductible $100 per certificate period
Medical Expenses (Claimed) $25,100

How the Claim Is Settled

After the insured pays the $100 deductible, the Patriot Exchange plan applies its standard cost-sharing structure:

  • The plan pays 80% of the first $5,000 of eligible medical expenses.
  • Then it pays 100% thereafter up to the policy maximum.

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.

Final Calculation

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)

Summary for Students

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.

Disclaimer

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.

Can I Buy Any Insurance Plan If My University Doesn’t Have Restrictions?

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.

Cheapest Student Insurance Plans (Recommended for F1 Students)

  • Student Journey Lite – Budget-friendly student insurance for international students studying in the USA. The Student Journey Lite insurance cost for a 20-year-old student starts from $30 per month ($360 per year). The plan can be purchased on a monthly or yearly basis.
  • StudentSecure Smart – Comprehensive international student insurance plan with benefits such as mental health coverage, pre-existing condition protection, and medical evacuation. The StudentSecure Smart insurance cost for a 20-year-old student starts from $32 per month ($372 per year). The plan can be purchased on a monthly or yearly basis.

Alternative Student Health Insurance Options

If you prefer private or non-university health insurance plan instead of student-specific plans, you can consider these popular options:

  • Patriot America Lite – Emergency medical insurance for international students studying in the USA. The Patriot America Lite insurance cost for a 20-year-old student starts from $44 per month ($513 per year). The plan can be purchased on a monthly or yearly basis.
  • Atlas America – Comprehensive travel medical insurance for students and visitors traveling to the USA. The Atlas America insurance cost for a 20-year-old student starts from $50 per month ($590 per year). The plan can be purchased on a monthly or yearly basis.

What Are the F-1 Visa Health Insurance Requirements?

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 health insurance for F1 students that include 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.

What Are the Payment Options for International Students?

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.
  • Student insurance payment options vary based on the insurance provider and the length of coverage selected.
  • Most international student health insurance plans offer monthly or annual payment options. Students who prefer flexible payments can learn more about buying student health insurance monthly.
  • Insurance plans can be purchased online for faster approval or submitted through a paper application for students who prefer offline enrollment or require assistance.
  • Monthly payment options may require continuous enrollment and automatic billing, while annual payments are usually made as a one-time payment.
  • Students should confirm approved payment methods (credit card, debit card, or other options) with their university’s international student or billing office.
  • Choosing the right payment option helps international students select a plan that is cost-effective, reliable, and suitable for their location and healthcare needs.

Payment Options for International Student Health Insurance

When buying international student health insurance in USA, students can usually choose between monthly or yearly payment plans. Selecting the right payment option depends on your budget, stay duration, and convenience.

Payment Period Highlights Advantage Disadvantage
Monthly Student Insurance Plan Monthly payments with recurring installments for student medical insurance coverage 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 International Student Insurance Plan 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

How to Apply for International Student Insurance (Online vs Paper)?

There are two simple ways to apply for student health insurance for F1 students and international students in the USA.

Method Description Speed Highlight
Online Application Complete your international student insurance application online and make secure payment through American Visitor Insurance Fast — Policy issued instantly Most common and use Credit card
Paper Application Submit printed forms and documents manually for student medical insurance plans Slower — Takes time (few days) to process Can pay by Check

How can international students apply for insurance without online payment or a credit card?

For international students who are unable to complete an online purchase, some international 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 F1 students, OPT students, and international students buying health insurance from outside the United States, making it simple to secure reliable student medical insurance coverage before arriving on campus.

What Is the Best Insurance for International Student Athletes?

The best insurance for international student athletes in the USA depends on the type of sport, level of participation, and university requirements. There are several U.S. student health insurance plans that cover sports activities, but coverage details, limits, and eligibility can vary by plan.

Because sports coverage differs by sport intensity and risk level, there is no single “best” plan for every student athlete. Instead, students should choose a plan that offers the appropriate sports rider and meets school, visa, and athletic program requirements.

At American Visitor Insurance, we offer a range of sports health insurance plans for international students designed for recreational, intercollegiate, and competitive sports participation.

Top Sports Insurance Plans for International Students

Diplomat America & Diplomat LongTerm Insurance (Global Underwriters)

Best for: International students participating in intercollegiate sports
  • Designed specifically for student athletes
  • Allows students to select a sports rider based on risk level: Low, Medium, or High
  • Maximum benefit payout: $20,000 per covered sports-related injury or illness
Diplomat LongTerm Insurance
  • Can be extended
  • Offers worldwide coverage
  • Minimum purchase period: 90 days
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Diplomat America
  • Cannot be extended or renewed
  • Offers coverage in the USA
  • Minimum purchase period: 15 days
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Sports Rider Options – Diplomat Insurance

Coverage level Monthly Add-On Cost Sports covered
Low Option $12 Ballet, Baseball, Cheerleading, Cross Country, Diving, Equestrian, Fencing, Field Hockey, Golf, Horse Polo, Water Polo, Rowing, Softball, Surfing, Swimming, Tennis, Track & Field, Volleyball
Middle Option $26 Basketball, Competitive Cycling (Road, Track, CX), Ice Hockey, Inline Skating (with helmet/proper gear), Lacrosse, Martial Arts/Karate, Modern Pentathlon, Skiing (Slalom, Giant Slalom, Downhill), Ski Jumping and Wrestling
High Option $80 Football (No Division I), Gymnastics, Rugby (No Division I) and Soccer
👉 View Diplomat Insurance sports rider options and adventure sports travel insurance coverage.

Patriot Exchange Insurance (IMG)

Best for: Budget-conscious students and high school sports teams
  • More affordable student insurance compared to Diplomat plans
  • Patriot Exchange insurance cost starts at $73 per month (young adult, without rider)
  • Coverage up to $250,000 with a $100 deductible
  • Does NOT cover varsity sports regulated by:
    • National Collegiate Athletic Association (NCAA)
    • National Association of Intercollegiate Athletics (NAIA)
  • Varsity sports coverage is available only with the Add-on Rider (not the Adventure Sports Rider)
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Student Secure Insurance (WorldTrips)

Best for: Flexible sports and recreational activity coverage
  • Student Secure Select and Elite plans cover:
    • Intercollegiate sports
    • Interscholastic sports
    • Intramural sports
    • Club sports
  • Covers sports-related medical expenses up to $5,000 per injury or illness
  • All four plan levels (Smart, Budget, Select, Elite) include coverage for:
    • Leisure activities
    • Recreational sports
    • Fitness and entertainment activities
  • Benefits are available up to the plan’s overall maximum, depending on the selected plan level
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Group travel insurance

Student Sports Group Travel Insurance

Best health insurance for international student Athletes.

Get your group insurance quote »

What Are the Best International Health Insurance Options for Students?

Student insurance USA

Why Choose American Visitor Insurance for Student Health Insurance?

Choosing American Visitor Insurance for your F1 student health insurance or international travel insurance needs comes with several key benefits:

  • Wide Choice of Plans: American Visitor Insurance offers top-rated health insurance options for F1 visa holders, OPT students, J1 visa holders, and visitors, with coverage from reputed insurers such as IMG and WorldTrips
  • Affordable Pricing: The platform provides budget-friendly plans with customizable deductibles, maximum coverage limits, and optional add-ons. These are often more economical than many university-sponsored plans while still meeting insurance requirements.
  • Easy Online Comparison & Purchase: American Visitor Insurance allows you to compare student insurance and buy online with a easy secure online purchase process which then provides instant confirmation.
  • Expert Guidance & Support: Licensed insurance agents provide free support to help you choose the right plan and understand university waiver requirements and policy details.
  • Covers Unique Needs: Specialized plans are available for students on OPT, mental health coverage, maternity, sports injuries, and more, with flexible coverage start dates either from your home country or upon arrival in the U.S.
  • Reputable Platform with Years of Experience: Trusted by thousands of international students and visitors, American Visitor Insurance has a strong track record of customer satisfaction and reliable service.

How to Buy the Best International Student Insurance in USA?

Choosing the right student health insurance is important to ensure you’re protected from high U.S. healthcare costs while meeting university requirements. Here’s how to choose the best student health insurance plan:

  • Check university insurance requirements
    Many U.S. universities require students to enroll in their own health plans unless proof of comparable coverage is provided. Before buying, review the university’s waiver form for criteria such as minimum policy maximum (e.g., $100,000 or more), deductible limits (e.g., under $500), and required coverage for mental health, maternity, and pre-existing conditions.
  • Compare coverage options
    Look for plans that offer comprehensive medical coverage for doctor visits, hospitalization, and prescriptions; emergency services such as ambulance, evacuation, and repatriation; mental health and maternity care as required by the school; and COVID-19 coverage if still mandated.
  • Check premium and deductible
    Lower premiums may lead to higher out-of-pocket costs, so balance monthly affordability with deductibles and co-insurance amounts you’re comfortable with.
  • Provider reputation & network
    Choose plans from trusted companies like IMG and WorldTrips available on American Visitor Insurance. Make sure they offer easy online claims and access to large hospital networks in the U.S.
  • Additional benefits
    Some plans include extra perks like coverage during Optional Practical Training (OPT), free telemedicine, and discounts on prescriptions.

Unexpected Medical Emergencies You Might Face as an Australian Student

Insurance is most valuable in situations students often overlook:

  • Sports injuries – Campus sports clubs can lead to sprains, fractures, or other injuries.
  • Travel accidents – Short trips across the U.S. without insurance could result in expensive bills.
  • Seasonal illnesses – Hospitalization for the flu or viral infections can easily cost $2,000–$3,000.

Practical tip: Plans like Student Journey Lite through American Visitor Insurance ensure you’re covered for these unexpected events, protecting both your health and finances.

Why “Cheapest Insurance” Doesn’t Mean “Lowest Quality”

  • Affordable, essential coverage: Plans like Student Journey Lite through American Visitor Insurance protect against major medical expenses without paying for unnecessary minor care.
  • Transparent limitations: Exclusions like maternity or chronic care reduce premiums but do not reduce emergency coverage.
  • Peace of mind: Even basic coverage can save thousands in unexpected medical expenses.

Important insight: Don’t assume cheaper insurance is risky. Compare and buy essential coverage easily through American Visitor Insurance for peace of mind while studying in the U.S.

Why Should Australian Students Compare Health Insurance?

Most international student health insurance plans seem similar on first impressions. However, while they have many benefits in common and the premium is also similar, different student insurance plans do have some additional benefits or perhaps some specific constraints. In order to choose the best plan based on the Australian students requirements and to get sufficient coverage from the health insurance plan for students from Australia, it is important to compare different features available in the best health insurance for Australian students in USA:
The following are important factors for comparing cheapest health insurance for Australian students plans:

  • Policy Maximum: This is the maximum amount on the insurance plan which normally ranges from $50,000 up to $1,000,000. This is the maximum a policy can cover in case of an extreme emergency as per the policy guidelines and conditions mentioned in the policy.
  • Deductible: The deductible options can range anywhere from $50 up to $5000 between the plans. A larger deductible means lower premium price and vice versa. Picking a large deductible thus low premium by choosing a comprehensive plan is usually recommended, as most of the comprehensive plans have an one time deductible and is cost effective.
  • Pre existing condition coverage: This is very important benefit factor as many customers need this benefit. The student plans have a minimum 6 month waiting period for coverage of pre-existing conditions.
  • Coverage for mental illness and drug abuse: This coverage is required by most of the universities.
  • Cancellation and Renewability: Each plan have their unique cancellation and renew-ability policies. It is important to pay attention to it if there is any ambiguity while booking insurance initially.
  • Sports and other unique activities: Some of the plans provide coverage for intercollegiate and interscholastic sports...

Based on these factors, American Visitor Insurance provides an excellent compare student medical insurance facility where getting quotes as per students’ requirements. Once the required information is entered in the form, a summary of popular student insurance plans are displayed which can be compared.

Can Australian Students Waive School Health Insurance by Buying a Private Plan?

Yes. Australian students studying in the USA may be able to waive their university’s health insurance plan if they purchase a private international student health insurance policy that meets the school’s waiver requirements.

University waiver compliance allows students to choose an out of campus insurance by showing proof of equivalent international student health insurance. The private plan must usually offer these coverages:

  • A policy maximum of $100,000 or more
  • A deductible of $500 or less
  • Inpatient and outpatient mental health coverage
  • Coverage for maternity and pre-existing conditions (as required by the school)
  • Emergency medical evacuation and repatriation
  • Access to a PPO network of U.S. healthcare providers

Universities provide a waiver form outlining the minimum required benefits. Submit this form along with your insurance proof by the school’s deadline.

⚠️ Important: Waiver requirements vary by university. Always review your school’s insurance guidelines before purchasing a private student health insurance plan.

Health insurance for international students in USA FAQ’s

1. Why do international students from Australia need health insurance?

Healthcare in the USA is very expensive and is not free for international students from Australia, therefore Australia student in the USA should buy best insurance for f1 students. While many Universities offer student insurance but these plans are quite expensive.
Given that there is no f1 visa health insurance requirements mandated by US consulates, and unless the University insists on the College insurance plans, Australia students can compare international student insurance plans offered by popular US student insurance providers and buy the F1 student health insurance that they like best.

2. Do you offer student insurance even if I am not taking any courses on campus?

Yes, we do have student insurance plans for international students on a valid student visa, who are on Optional Practical Training (OPT) and are currently not taking any courses on campus.

3. How much is the cost of health insurance in Australia for international students in USA?

The cost of health insurance for Australia students studying abroad varies significantly depending on different factors such as the insurance provider, the age of the student, the deductible, the co-insurance, the medical coverage amount and the specific plan chosen.

Here are some key points to consider while buying health insurance for Australia students in USA in American Visitor insurance:

  • University/College Plans: The plans on American Visitor Insurance are more affordable compared to student plans offered by different universities.
  • Coverage Level: The cost of the student medical insurance plan depends on the extent of coverage it provides. Plans with higher coverage levels and lower deductibles typically have higher premiums.
  • Deductibles and Coinsurance: Plans with higher deductibles (the amount you pay out of pocket before the insurance kicks in) and higher Co-insurance (a fixed amount you pay for certain services) may have lower premiums.
  • Age and Health: The age and health of the student will be taken into account when determining the premium. Younger and healthier individuals will have lower premiums.

Keep in mind that student medical insurance USA costs can change over time, and there may be new plans or regulations in place since my last update. It's essential to research and compare different insurance options on American Visitor Insurance to find a plan that fits your specific needs and budget.

If you are an international student looking for health insurance, We recommend using the compare student insurance plans tool to explore the health insurance options available to you on American Visitor Insurance.

4. Do international students have health insurance in USA?

Yes, in fact many international students studying in the United States are required to have student travel insurance USA coverage to satisfy University needs. The specific requirements for overseas health insurance Australia student in USA varies depending on the educational institution, state regulations, and the type of visa the student holds.

Some key points to consider:

  • University/College Requirements: Most US universities and colleges have specific health insurance requirements for international students. Universities may mandate that all enrolled international students purchase and maintain a specific health insurance plan that meets certain criteria. Student insurance plans offered on American Visitor Insurance are comparable to University insurance plans but are cheaper and with similar benefits.
  • Visa Requirements: The US government also has specific health insurance requirements for certain visa types. For example, J-1 and J-2 visa holders (Exchange Scholars) are generally required to have health insurance that meets the minimum requirements set by the United States Department of State.
  • Coverage and Benefits: The required student health insurance plans typically need to provide a minimum level of coverage for medical services, hospitalization, emergency care, and repatriation of remains, among other benefits.
  • Waivers: International students who buy student insurance on American Visitor Insurance and have comparable health insurance coverage may apply for a waiver to the university's insurance requirement. Usually, the existing coverage must meet or exceed the university's specified criteria.

At American Visitor Insurance we offer the best international student insurance USA plans from top rated insurance providers.

5. What factors determine the best health insurance for Australia students in the USA?

The "best" USA student health insurance for students from Australia varies depending on Students’ 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. Here are some options to consider:

Best health insurance for international students on American Visitor Insurance : American Visitor Insurance specializes in providing health insurance for Australia students studying in USA. 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.

Finally, the best health insurance for international students is one that provides adequate coverage and aligns with their specific needs, budget and circumstances of the student.

6. Do Australian Students Need Health Insurance to Study in the USA?

Yes, Australian students need health insurance to study in the USA. The U.S. does not offer public healthcare for international students, and medical costs can be extremely high without insurance. Most U.S. universities require international students to maintain active health insurance throughout their study period. Even if insurance is not strictly mandatory at a specific institution, studying without coverage is financially risky and strongly discouraged.

7. What Coverage Should I Look for as an Australian Student in the USA?

When choosing health insurance for Australian students in the USA, it is important to select a plan that meets both university requirements and real healthcare needs.

  • Coverage for emergency medical treatment and hospitalization
  • Access to a PPO provider network in the United States
  • Benefits for doctor visits, urgent care, and diagnostic tests
  • Policy limits that meet or exceed your university’s minimum requirements

8. Does US Student Health Insurance Cover Pre-Existing Conditions?

Coverage for pre-existing conditions depends on the plan. American Visitor Insurance plans for international students usually offer limited coverage with waiting periods and may exclude long-term or chronic conditions. University sponsored plans may provide broader coverage but cost more. Australian students should review American Visitor Insurance policies carefully to ensure they meet their medical needs while studying in the USA.

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Best Student health insurance Australia

Best health insurance for international students in Australia

Australia is one of the most popular study destinations for international students. Australia has an excellent education system as well as very good working opportunities and an exceptional quality of living. Every year more than 10,000 US students are involved in study programs in Australia. Australia is known to offer high quality education programs from excellent and reputed universities and colleges. The courses are recognized worldwide and studying in Australia provides good opportunities given the fast growing economy. Education in Australia is very affordable when compared to the US and the cost of living is also cheaper when compared to many other developed countries.

While there is a special appeal for US students to study in Australia, US students need to be prepared to face any sudden medical emergencies that may arise while you are staying in the university and it's compulsory for students to have student insurance while enrolling into their collages . Domestic US insurance does not offer coverage outside US borders. Healthcare is expensive and US students should compare International student insurance and buy international Student health insurance that offers coverage for all travel and medical emergencies fulfilling the university and the visa requirements. Some of the student insurance plans on American Visitor Insurance also offer coverage for pre-existing conditions as well as international sports coverage for students At American visitor insurance, Students can also buy dependents insurance.

Information for US students studying in Australia

Australia is attracting US students in large numbers and currently has nearly 10,000 US students in the country with this number increasing each passing year. An obvious attraction to US students of the land down under is the English language and similar cultural roots. Another attraction is the sporting culture, the beautiful beaches and wide open spaces available in Australia which makes it similar to living in the US.

US students should however buy proper student medical insurance for their stay in Australia. The domestic US health insurance plans do not provide adequate coverage in Australia and students need to buy good US study abroad student medical insurance while studying there.

Is it too late to buy student travel insurance for Australian?

It's never too late to buy Australia student insurance for international students in Australia. The only time it is too late is if a person is already sick or injured. As long as the student is healthy, you can purchase a Australia student insurance to have coverage for future accident or illness. Compare and buy the best student travel insurance for Australia.

How Much Does Health Insurance for US Students Abroad Cost in 2026?

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.

How much does health insurance for US student abroad costs?

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®

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