Moving to California for school is a good choice but you make sure you are covered with student health insurance in California is more important. It is not about staying healthy but most universities require it. Whether you are coming from another country or you are a California resident if you have student health insurance you can get medical care when you need it without stressing about huge bills. This lets you focus on your classes and enjoy your college experience. California has lots of different student health insurance plans.
You can find everything from full coverage options to more affordable student health insurances designed specifically for students. There is something out there that will fit for your budget and health needs. Right here in American Visitor Insurance, you will find all the details you need about student health insurance in California. We will help you to figure out how to compare student health insurance plans, understand what they cover and make sure you meet your school's requirements. Let’s get you covered!
As a student in California your main focus should be on your studies, campus life and future goals. You don’t want to worry about unexpected medical bills and access to quality healthcare. So having reliable student health insurance in California is absolutely essential. At American Visitor Insurance we understand the unique health needs of students and we are here to help you stay protected and keep you healthy throughout your academic journey. Health insurance is not just about covering doctor visits and hospital stays, it’s about keeping you healthy so you can stay in school and succeed. Illnesses and injuries can happen to anyone even young and active students. With student health insurance in California you have access to preventive care like vaccinations and routine checkups that help you to catch health issues early before they become serious. This will help you not to divert from your studies and keep you free.
Medical emergencies can be costly. Without insurance even a minor accident and illness can lead to overwhelming expenses that may affect your finances. Student health insurance acts as a financial safety for covering costs for doctor visits, hospital stays, prescription medications and emergency care. Many California universities require proof of health insurance because they know it protects students from these unexpected financial burdens. You might think health insurance is expensive but student health insurance plans are often more affordable than you expect. In fact many plans available through American Visitor Insurance are designed specifically for students offering comprehensive coverage at competitive rates. Compared to adding a student to a parent’s employer plan and buying a general health insurance plan, student specific plans often provide better benefits for less money.
If you are an international student having health insurance is not just smart it’s often mandatory. Many universities and US visa regulations require students to maintain valid health coverage during their studies. Our plans at American Visitor Insurance meet and exceed these requirements helping you stay compliant without hassle. Knowing you have reliable health insurance means less stress and more focus on your academic and personal growth. Whether it’s mental health support, emergency care and routine doctor visits. Your insurance plan ensures you get the care you need without worrying about the cost. Student health insurance is a smart investment in your health, your education and your future. With American Visitor Insurance you get affordable and comprehensive coverage tailored to your student life in California.
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 who need coverage for existing medical ailments.
Know more »The cheapest international student insurance in California is offered by the Student Journey Lite insurance plan, starting at just $30 per month. Other affordable health insurance for international students in California 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.
Age: 20 years | $360 for 12 months
Great for students seeking basic coverage at the lowest cost.
picture_as_pdfBrochure shopping_cart Buy nowAge: 20 years | $372 for 12 months
Offers better coverage for illness, accidents, and emergencies.
picture_as_pdfBrochure shopping_cart Buy nowAge: 20 years | $576 for 12 months
Comprehensive plan with enhanced coverage for accidents and illnesses.
picture_as_pdfBrochure shopping_cart Buy nowHow much is Low-cost medical insurance for international students in America? How much does Insurance for foreign students in America cost per month?
The monthly cost of international student insurance for USA ranges from $30 to $124, depending on the level of coverage selected.
| Insurance Plans | Policy maximum | Deductible | Cost |
|---|---|---|---|
| Student Journey Lite | $150,000 | $100 | $30 |
| StudentSecure Smart | $200,000 | $0 | $32 |
| Student Journey Plus | $300,000 | $500 | $48 |
| StudentSecure Budget | $500,000 | $0 | $53 |
| Patriot Exchange | $50,000 | $250 | $56 |
| Diplomat America | $50,000 | $250 | $71 |
| Student Journey Platinum | $500,000 | $250 | $74 |
| StudentSecure Select | $1,000,000 | $0 | $106 |
| Student Health Advantage Standard | $500,000 | $250 | $124 |
Source: American Visitor Insurance®
Review student insurance plan benefits.
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. Some insurance providers offer reliable and best plans that are designed for international students.
Best health insurance providers for international students in the USA are:Offers a wide range of plans like Student Journey, designed for international students seeking affordable coverage for medical expenses and hospitalization.
Provides plans like StudentSecure Smart starting at $31/month with $0 deductible, covering emergency medical expenses, evacuation, and repatriation.
Offers the Navigator Student plan with unlimited medical maximum, global provider access, and coverage for U.S. and international students.
The following are some of the best international student health insurance plans in 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
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.
There are different student insurance payment options available depending on the insurer and the length of coverage. The payment options are mainly either monthly or yearly, and the purchase can be either by paper or bought online. Here are some details of the different payment options for international student insurance 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 |
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.
With American Visitor Insurance, finding the perfect student health insurance plan is simple, transparent and tailored to your needs so you can focus on your studies and enjoy your time in California with confidence.
If you are coming to study in California and your spouse or children are joining you then their health is just as important as yours. With American Visitor Insurance, it is easy to add coverage for your dependents, including your husband, wife, children under 18. This way your whole family can feel secure while you focus on your education. Our student health plans for dependents offer broad benefits. This includes doctor visits, hospital stays, emergency care, prescription medications and even emergency medical evacuation.
Many plans also give you options for dental, maternity, mental health coverage, ensuring your family has well rounded protection. Adding your family to your plan is simple and affordable. It often costs less than university group insurance while still meeting school and visa requirements. With flexible enrollment and a range of plan choices, American Visitor Insurance helps you take care of what matters most. You can study with confidence by knowing your loved ones are protected every step of the way. For affordable and comprehensive coverage for student dependents in the U.S., explore our best health insurance for dependents.
Patriot Exchange insurance offered by International Medical Group (IMG) is an excellent health insurance plan supporting F1 & F2 visa. It is ideal because Patriot Exchange can be purchased by the F2 dependent even if the F1 scholar is not part of the Patriot exchange plan, as long as he or she is covered by another plan offered by the research or educational institution.
Students and scholars with F or J visas have the best student health insurance for maternity. However, the benefits have been reduced a few years ago such that the best coverage is 80% coverage of costs, so the students will have to be aware that they will be responsible for a portion of all costs. Also note that unless their wife is the J1 visa holder they will have to be the primary on the policy and the wife (with J2) will be secondary. Also note that prices are different for the primary and the spouse, so when students quote the prices, quote them for two people at the same time since the cost will be much higher for the wife's coverage.
These are some of the plans that offer student health insurance with maternity coverage for dependents, providing 80% coverage without a set limit on benefits. Please note that conception must occur after the policy start date, and most plans require notification at least three months prior to the expected delivery.
There are quite a few US student health insurance for international students that cover sports activities. At American Visitor Insurance, we offer some of the best options tailored for international student athletes.
American Visitor Insurance supports students by offering a wide range of affordable and comprehensive health insurance plans specifically tailored for international and domestic students studying in the USA. Our platform allows students to easily compare different student medical insurance plans from top American insurance providers ensuring that each student can find coverage that fits both university requirements and personal needs. We provide F1 visa student insurance options that satisfy most university and visa requirements including coverage for medical expenses, emergency medical evacuation, repatriation of remains and accidental death and dismemberment.
For students involved in sports, specialized plans like Diplomat America and Diplomat Long Term offer additional riders for intercollegiate sports injuries ensuring even student athletes are protected. For affordable and comprehensive coverage for student dependents in the U.S., explore our best health insurance for dependents.
American Visitor Insurance also stands out for its user friendly comparison tools, transparent pricing and flexible payment options and students can choose monthly or annual payments and select the deductible and coverage levels that make the most sense for their situation. Our customer support team is available to guide students through plan selection, answer questions and help with the waiver process if a student needs to opt out of a university sponsored plan.
Additionally our company provides resources and FAQs to help students understand the complexities of health insurance in the US by making the process less intimidating. With 24/7 multilingual support, fast online enrollment and waiver-ready documentation American Visitor Insurance is committed to making sure students can focus on their studies while feeling secure about their health coverage.
When you purchase a private student health insurance plan such as those offered through American Visitor Insurance you’ll typically have access to a large Preferred Provider Organization (PPO) network. This means you can receive care at many of California’s leading hospitals and clinics often at reduced rates
Below are some of the top hospitals in California that are in network with major PPOs used by most private student health insurance plans:
| Hospital Name | Location |
Notable Networks Accepted |
| UCLA Medical Center | Los Angeles | United Healthcare, Aetna, Cigna, Anthem Blue Cross, Multi Plan |
| UCSF Medical Center | San Francisco | United Healthcare, Anthem Blue Cross, Cigna, Aetna, Multi Plan |
| Stanford Health Care | Palo Alto | United Healthcare, Cigna, Anthem Blue Cross, Aetna, Multi Plan |
| Cedars-Sinai Medical Center | Los Angeles | United Healthcare, Cigna, Aetna, Anthem Blue Cross, Multi Plan |
| UC Davis Medical Center | Sacramento | United Healthcare, Anthem Blue Cross, Aetna, Cigna, Multi Plan |
| UC Irvine Medical Center | Orange | United Healthcare, Anthem Blue Cross, Aetna, Cigna, Multi Plan |
| Scripps Memorial Hospital | San Diego | United Healthcare, Aetna, Cigna, Anthem Blue Cross, Multi Plan |
| Keck Hospital of USC | Los Angeles | United Healthcare, Aetna, Cigna, Anthem Blue Cross, Multi Plan |
| Sharp Memorial Hospital | San Diego | United Healthcare, Aetna, Cigna, Anthem Blue Cross, Multi Plan |
| Huntington Hospital | Pasadena | United Healthcare, Aetna, Cigna, Anthem Blue Cross, Multi Plan |
With American Visitor Insurance’s student health insurance plans, you can confidently access care at California’s top hospitals and medical centers, knowing you’re covered and supported throughout your studies.
Yes most California universities require students to have health insurance that meets specific coverage requirements. This ensures you are protected against high medical costs during your studies.
Yes, you can often purchase a private student health insurance plan such as those offered by American Visitor Insurance, as long as it meets your university’s waiver requirements. Be sure to check your school’s guidelines before enrolling.
Most plans cover doctor visits, hospitalization, emergency care, prescription drugs, mental health services and emergency medical evacuation. Some plans also offer coverage for maternity, sports injuries and pre-existing conditions.
Yes many American Visitor Insurance plans provide coverage not only within California but also outside California and even outside the US. Some popular plans like StudentSecure Smart, Patriot Exchange and Student Health Advantage offer international travel medical coverage which protects you during trips abroad or in other US states. These plans often include benefits such as emergency medical evacuation, repatriation and coverage for unexpected illnesses and injuries while traveling outside your primary coverage area.
This makes them suitable for students who may travel frequently during their stay. However coverage will be different by plan so it is important to check the policy details to confirm the geographic limits and whether coverage applies worldwide or only within the US. Many plans also provide 24/7 travel assistance services to help coordinate care wherever you are. Always verify with your insurance provider and review your policy documents to understand your coverage when traveling outside California and the US.
"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."
"We want to appreciate the fine service provided by your friendly employees from the NJ office, in helping us navigate insurance plans and successfully purchase plans for my parents. They are extremely courteous, patient, efficient and knowledgeable"
"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!"
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