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Popular countries for US students studying abroad

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Does the traveler need Schengen Visa Insurance or Long term Europe Visa insurance?

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Sports coverage required?

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Maternity coverage required?

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Travel insurance with vacation cost coverage included?

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US students studying abroad

Best Health Insurance for Students Studying Abroad

Student travel insurance covers specific needs and risks of US students traveling or studying abroad. It provides coverage for medical expenses, trip cancellation, loss of baggage, personal liability, any sporting activity and more while outside the USA.

When US students are traveling abroad, either in a group or alone, be it for a short trip, or for longer stays of a semester abroad, it is important to have the best student insurance from the US since healthcare is different outside the US and this US student health insurance can provide access to the best healthcare available.

Having good student travel insurance will also help US students with trip cancellation insurance or any trip interruption expenses given the likely disruptions in international travel while outside the United States. US students may also want to look for additional features such as cancel for any reason (CFAR) travel insurance which allows you to cancel your trip for any reason and get a partial refund of your trip cost.

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What Does International Student Insurance Cover?

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Health Care Expenses

Covers doctor visits in case of sudden injury or sickness.

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Sports Activities

Some plans cover high school sports activities.

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Repat of Remains

Repatriation of remains expenses to home country in case of death.

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Dental Coverage

Expenses from sudden dental pain and accidental dental injuries.

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Maternity Coverage

Some plans offer coverage for pregnancy, maternity and new born.

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Pre-existing Conditions

Student insurance who need coverage for existing medical ailments.

How much does health insurance for US students studying abroad cost?

The monthly cost of health insurance for U.S. students studying abroad typically ranges from $26 to $289, depending on the level of coverage selected.

Insurance Plan Policy Maximum Deductible Cost (USD)
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
Navigator Student
GeoBlue
Unlimited Coverage $0 $289

What Affects the Cost?

Several factors influence the price, including:
  • Student’s age
  • Coverage duration
  • Policy maximum & medical benefits
  • Deductible and co-insurance levels
  • Optional add-ons (e.g., maternity, sports coverage, CFAR)
For example, the best student health insurance for a 20-year-old international student can start as low as $26 per month for basic coverage and go up to $289 per month for comprehensive plans with higher benefits and unlimited coverage.

What are the benefits of GeoBlue Navigator student insurance?

The GeoBlue Navigator Student medical insurance is tailored for US students studying abroad. Here are some of its key highlights:

  • Popular among US students
  • It provides UNLIMITED annual and lifetime medical maximum
  • Pre-existing conditions exclusion can be waived with proof of prior creditable coverage
  • Coinsurance is waived for care outside the U.S.
  • Sports, terrorist and alcohol-related injuries are covered
  • Exceeds J-1 visa requirements for the US
  • Simpler, Better Access to Care, No waiting period associated with any preventive services.
  • No waiting period associated with any preventive services
  • Contracted providers bill GeoBlue directly, eliminating paperwork and out-of-pocket expenses for you
  • Convenient mobile tools that allow you to connect to quality care across the globe for anything from emergency needs, to filling a simple prescription, to translating your symptoms, to finding the right doctor at home or abroad

International student insurance FAQ's

1. Can international students get health insurance?

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

2. What is international student health insurance?

International student health insurance is health insurance coverage for individuals who are studying abroad either short or long term while away from their home countries. Many of the US domestic health insurance plans may not cover a person fully while abroad. Also, some international programs may require certain levels of health insurance while participating in their programs. Luckily, we at American Visitor Insurance have made it easy to compare and find a student health insurance plan just right for you and your situation.

3. Is there health insurance for college students?

US citizens are eligible to purchase health insurance plans through their state's health insurance marketplace. Non-US citizens can purchase visitor insurance plans. Those foreign students on the F or J visas qualify specifically for "student" health insurance plans which are often cheaper than visitor insurance. Students can compare student medical insurance plans and make an informed choice.

4. Does college offer health insurance?

Most colleges offer group health insurance for their students. This may be required if the student does not have any other insurance. Check with your institution as to what is available. However the student insurance plans that are offered in American Visitor Insurance are usually cheaper than University insurance while offering similar coverage. Students can compare the coverage of the University insurance along with the plans on this website and make an informed decision.

5. Why should international 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 students requirements and to get sufficient coverage from the international student insurance plan, it is important to compare different features available in the student health insurance plan.

The following are important factors for comparing student health insurance 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.

6. Which countries are popular choices for U.S. students studying abroad?

Some popular countries for U.S. students studying abroad include Costa Rica, Mexico, United Kingdom, Italy, Netherlands, Spain, France, Australia, Germany, Japan, Ireland, China, and South Korea.

7. What makes these countries attractive for U.S. students?

These countries offer diverse cultural experiences, high-quality education, immersive experience to learn new languages, rich history, and exposure to different ways of life. Many Universities in these countries also have well-established study abroad programs that work well with US colleges.

8. How do I choose the right country for studying abroad?

The most important factors to consider are ones academic interests, language proficiency, cultural preferences, personal goals, and the availability of programs that match your budget needs and aspirations.

9. What types of programs are available in these countries?

US students can find a wide range of study abroad programs, including semester exchanges, summer programs, language immersion, internships, research opportunities, and more.

10. What are the language requirements for studying in non-English speaking countries?

English is widely used in most Universities around the globe, however if you are studying in a country where English is not the primary language, you might need to demonstrate proficiency in the local language or take language courses as part of your program. In any event, being able to use the local language in the country you are studying will further enrich your study abroad experience.

11. How can I cover the costs of studying abroad in these countries?

Study abroad costs can vary widely from program to program, but there are options like scholarships, financial aid, grants, and external funding sources that can help offset expenses. Additionally, working part-time or applying for internships can contribute to your finances.

12. Do I need a visa to study in these countries?

Yes, you will generally need a student visa to study in these countries. Visa requirements vary by country, so make sure to research and apply for the appropriate visa well in advance.

13. How do I prepare for the cultural differences in these countries?

It is important to research and understand the cultural norms, customs, and practices of your chosen country. Learning about local etiquette, values, and communication styles can help you adapt more easily.

14. Can I receive academic credit for my courses abroad?

Most study abroad programs are designed to offer academic credit that can be transferred to your home institution. Consult with your academic advisor and study abroad office to ensure a smooth credit transfer process. Learning even a little of the local language and local cuisine will also enhance your study abroad experience significantly.

15. How can I stay safe while studying abroad in these countries?

It is important to get good US student insurance for your international stay. It is important to prioritize your safety by being well informed about local laws, customs, and potential risks. Register with your country's embassy or consulate and follow the advice of your study abroad program and host institution.

16. Can I travel and explore other nearby countries while studying abroad?

US students take advantage of their proximity to other countries, especially in Europe to travel and explore different countries during breaks or weekends. However, make sure that you have good Student travel insurance and ensure that you balance your academic responsibilities with you travel.

17. How can I make the most of my study abroad experience in these countries?

Immerse yourself in the local culture, try to learn the local language, eat the local food, make friends with both local residents and other international students, participate in cultural activities, and explore the country beyond just your academic requirements.

Resourceful insurance information for students

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Student travel insurance FAQs

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Factors while buying best international student health insurance USA.

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