Study USA Health Insurance provides affordable student medical insurance to foreign students studying in the US and to US registered students studying abroad. This flexible, comprehensive plan is tailored to the specific needs of students and their dependents. Study USA Insurance meets the health insurance requirements for international students at many universities. Upon purchase we can complete the insurance waiver form of US universities and send it to the International Students' Office.


Plan Benefits of Study USA insurance, Study USA HealthCare Review

Age
Spouse
Start Date
End Date
Coverage
Citizenship
Study USA Basic
Plan Maximum
$200,000
Deductible
Study USA Standard
Plan Maximum
$200,000
Deductible
Study USA Preferred 300
Plan Maximum
$300,000
Deductible
Study USA Preferred 500
Plan Maximum
$500,000
Deductible
Pre-existing Conditions Waiting Period
No Coverage $500 maximum per certificate period; 12 months waiting period 12 months waiting period 6 months waiting period
Maximum per injury or illness
$100,000 $100,000 $300,000 $500,000
Deductible (except emergency room)
$100 in network / $150 out of network $50 in network / $150 out of network $45 in network / $90 out of network $25 in network / $50 out of network
ER Deductible
$500 per incident $350 per incident $250 per incident $100 per incident
Coinsurance inside the U.S.
In network: 80% after deductible, up to overall maximum limit
Out of Network: Plan pays 100%
In network: 80% after deductible, up to $25,000, then overall maximum limit
Out of Network: Plan pays 100%
In network: 80% after deductible, up to $25,000, then overall maximum limit
Out of Network: Plan pays 100%
In network: 80% after deductible, up to $25,000, then overall maximum limit
Out of Network: Plan pays 100%
Coinsurance outside the U.S.
Plan pays 100% Plan pays 100% Plan pays 100% Plan pays 100%
Local Ambulance
$300 per injury or illness $350 per injury or illness $350 per injury or illness $350 per injury or illness
Prescription Drugs
For outpatient prescription 50% of actual charges $10 deductible for generic drugs
$20 deductible for brand name
$10 deductible for generic drugs
$20 deductible for brand name
$10 deductible for generic drugs
$20 deductible for brand name
Wellness
Not Avaliable 100% of one routine physical exam per member 100% of one routine physical exam per member 100% of one routine physical exam per member
Physical Therapy & Chiropractic Care
Up to $25 per visit per day Up to $50 per visit per day Up to $50 per visit per day Up to $75 per visit per day
Dental Treatment due to Accident
Not Available Not Available $1,000 maximum per certificate period $1,000 maximum per certificate period
Dental Treatment due to Alleviate pain
Not Available Not Available $100 $100
Intercollegiate Interscholastic, Intramural or club sports
Not Available $2,500 maximum per injury or illness. Medical Expenses Only $5,000 maximum per injury or illness. Medical Expenses Only $5,000 maximum per injury or illness. Medical Expenses Only
Mental Health Disorders
Outpatient $50 max per day, $500 max;
Inpatient Up to $5,000 (excludes drug and alcohol abuse).
No treatment at student health center
Outpatient $50 max per day, $500 max;
Inpatient Up to $5,000 (excludes drug and alcohol abuse).
No treatment at student health center
Outpatient $50 max per day, $500 max;
Inpatient Up to $10,000 (includes drug and alcohol abuse).
No treatment at student health center
Within PPO 80% of eligible expenses; Outside PPO up to overall maximum limit
Outside U.S. 100% coinsurance
No treatment at student health center (includes drug and alcohol abuse).
Maternity care for covered pregnancy
Not Avaliable IN PPO NETWORK: 80% of eligible expenses; OUT OF PPO NETWORK: Up to the overall maximum.
Outside US: 100% coinsurance up to overall maximum
IN PPO NETWORK: 80% of eligible expenses; OUT OF PPO NETWORK: Up to the overall maximum.
Outside US: 100% coinsurance up to overall maximum
IN PPO NETWORK: 80% of eligible expenses; OUT OF PPO NETWORK: Up to the overall maximum.
Outside US: 100% coinsurance up to overall maximum
Repatriation of Remains
$25,000 lifetime maximum $25,000 lifetime maximum $25,000 lifetime maximum $25,000 lifetime maximum
Terrorism
Up to $50,000 lifetime maximum Up to $50,000 lifetime maximum Up to $50,000 lifetime maximum Up to $50,000 lifetime maximum
Accidental Death and Dismemberment
Up to $10,000 lifetime maximum Up to $25,000 lifetime maximum Up to $25,000 lifetime maximum Up to $25,000 lifetime maximum
Emergency Reunion
Up to $1,500, maximum of 15 days Up to $2,500, maximum of 15 days Up to $2,500, maximum of 15 days Up to $5,000, maximum of 15 days

Study USA HealthCare Insurance plan highlights

  • Overall Maximum Limit?: $200,000, $300,000, $500,000;
  • Insurance Provider: Travel Insurance Services
  • Plan Name: Study USA
  • Insurance Carrier: HCC
  • Study USA Insurance satisfies J1 visa requirements

Study USA travel insurance Rating
  • AM Best Rating: "A" (Excellent)
underwriters Study USA travel insurance Underwriter
  • Underwritten by HCC Lloyd’s Syndicate 4141
AVI customer service

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Study USA Links

  • Brochure
  • Reviews
  • Advantages
  • Disadvantages
  • Comprehensive
  • Claims
  • Renewal
  • Provider Network

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Travel Insure - Provider network and how to find hospital or doctor?

Travel Insure maintains a wide network of health care providers. There are 2 options: First Health care network and United health care.
You can choose your provider of your choice. You need to check your insurance card to find any one of the below 2 logos:
First Health Care Provider Network    United Healthcare Provider Network

Travel insure Covid19 travel insurance renewal or extension of insurance

During this pandemic, many students may be stuck in their destination country and unable to fly home due to travel restrictions. Students enrolled in the Study USA plans and they need to extend their stay in the U.S. until they can get a flight, they can extend their insurance policy accordingly.

To extend a Study USA policy, please renew Study USA insurance online.

Travel Insure international health insurance for Coronavirus

An insured individual is eligible for treatment of Coronavirus provided they do not contract the Coronavirus in a country for which there is a CDC Warning Level 3. This is the specific exclusion, which will apply should a new CDC warning be issued for another country:
Exclusion language:
Charges resulting from a disease outbreak in a country or location for which the U.S. Centers for Disease Control and Prevention (CDC) has issued a Level 3 Travel Warning if:
  • The warning has been in effect within the 6 months immediately prior to your date of arrival, or
  • You have failed to depart the country or location within 10 days following the date the warning is issued.

Frequently asked questions about Travelinsure insurance plans coverage for Coronavirus

As of the CDC Global Warning Level 3 on March 27th, any insured not already located in a destination under a CDC Warning Level 3 has 10 days of coverage for charges related to COVID-19. Those already in a country under a CDC Warning Level 3 would have 10 days of coverage based on the date the warning for that country was first issued. Insureds will continue to be covered for eligible Non-Covid-19 related expenses after the 10 days have elapsed.

They will have coverage through April 6th for COVID-19, which is the tenth day following the global warning on March 27th. After this, COVID-19 will no longer be covered, though coverage for all other eligible expenses will remain in place.

COVID-19 will not be covered under any current policy due to the CDC Global Warning Level 3. Policies will continue to cover other illness and accidents as per the policy wording. I understand that new coverages/plans may be considered in the future, though at this time no policies will be covering COVID-19.

Travel Insurance services insurance coverage for Coronavirus (Covid 19)

The USI global medical policies have an exclusion based on the Centers for Disease Control (CDC) Warning to avoid travel (level 3). Travelers who contract coronavirus in areas with a level 3 advisory will not be covered for coronavirus illness. If your travel began under a level 2 advisory and changed to level 3 during your trip, you will be covered even if they contracted it after the updated warning was issued.

Related links for Study USA Health Insurance for International Students

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