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Best international student insurance for US students abroad

International student health insurance

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Do I need international student health insurance?

Yes, international student health insurance is essential for students studying abroad. It provides coverage for medical expenses, including doctor visits, hospital stays, and emergency medical care, which can be crucial in case of illness or injury. Many educational institutions and visa requirements mandate having adequate health insurance, ensuring that students are financially safeguarded during their stay abroad. It is very important to have the best travel insurance for students studying abroad to keep one secure in the event of a medical emergency.

US student travel insurance

US student insurance is commonly known as international student insurance or study abroad insurance, is designed to provide health and travel coverage for US students studying or participating in educational programs outside the United States. This US student abroad insurance offered on American Visitor Insurance is essential as most domestic US health insurance plans may not offer adequate coverage and have limited benefits while US students are overseas.
Here are some key features of US student abroad insurance:

  • Medical Coverage: This includes coverage for medical expenses, doctor visits, hospitalization, prescription drugs, and emergency medical treatment for illnesses or injuries that occur while studying abroad.
  • Emergency Medical Evacuation: In case of a serious medical condition that cannot be adequately treated at the current location, this benefit covers the cost of transportation to the nearest suitable medical facility or back to the US if necessary.
  • Repatriation of Remains: In unfortunate cases of death, this benefit covers the expenses of returning the student's remains to their home country.
  • Travel Assistance: Many insurance plans offer 24/7 travel assistance services, including help with lost passports, emergency travel arrangements, language interpretation, and more.
  • Mental Health Coverage: Some plans may include coverage for mental health services, counseling, and treatment.
  • Maternity Coverage (Optional): Depending on the plan, students may have the option to add maternity coverage if needed.
  • Personal Liability: Coverage for legal expenses and compensation in case the insured student is held liable for causing injury or damage to a third party.
  • Sports and Activities Coverage: Some plans offer coverage for certain sports and activities, particularly important for students who plan to engage in recreational activities while abroad.
  • Trip Interruption: Coverage for the reimbursement of non-refundable trip costs if the student needs to return to the US unexpectedly due to covered reasons.
  • Pre-existing Conditions (Varies): Some plans offer limited coverage for pre-existing conditions, while others may exclude them altogether.

US student abroad insurance is typically available for various durations, ranging from a few weeks to a full academic year. It's essential for students to carefully review the policy terms, coverage limits, and exclusions to ensure the plan meets their specific needs and the requirements of their study abroad program.

As always, it's advisable to compare different health insurance for US students. Students should compare quotes, and seek guidance from licensed insurance agents in American Visitor insurance to make an informed decision to find the best student insurance coverage for studying abroad.

What does international student insurance cover?

What are the best health insurance for US students studying abroad?

The best health insurance options for U.S. students studying abroad includes plans that offer comprehensive coverage for sudden illness or injuries from accidents.

How much does health insurance for US student abroad costs?

The US student abroad cost ranges from $25 to $463 per month. The price depends on the factors such as student's age, coverage duration, medical benefits, deductible, and co-insurance.

Insurance Plans Policy maximum Deductible Cost *
StudentSecure Smart WorldTrips $100,00 $0 $25
StudentSecure Budget WorldTrips $250,000 $0 $47
Patriot Exchange IMG $50,000 to $500,000 $0 to $500 $46 - $60
Student Health Advantage IMG $500,000 $250 $76
Navigator Student GeoBlue Unlimited Coverage $0 $463

* The best student health insurance abroad cost per month for an international student aged 20 years. Source: AMERICAN VISITOR INSURANCE®

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 »

What are the benefits of GeoBlue Navigator Student Insurance?

Some highlights of the GeoBlue Navigator Student medical insurance:

  • 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

What is student sports group travel insurance?

groups

Student group travel insurance

Student group travel insurance provides coverage for groups of US students who are traveling together for educational or recreational purposes. US student group insurance is particularly useful for school trips, study abroad programs, student organizations, and other group travel activities. It helps ensure that students groups are financially protected in case of unexpected events or emergencies during the trip.


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sports_and_outdoors

Sporting teams group insurance

Sporting teams group insurance provides coverage for groups of athletes or sports teams who participate in organized sports activities. Whether it's a school sports team, a club team, or a recreational league, sporting teams can face various risks and potential injuries while participating in sports events and activities. US student sports group insurance helps provide financial protection and peace of mind to athletes, coaches, and team organizers.


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Best international student health insurance USA FAQ's

1. Do all US students going abroad need health insurance?

While not all students are required by law to have health insurance, many colleges and universities have their own health insurance requirements. Additionally, having health insurance is highly recommended to protect yourself from unexpected medical expenses while outside the USA.

2. What are the benefits of having student health insurance?

Student health insurance provides various benefits, including coverage for medical expenses, doctor visits, hospital stays, prescription medications, and preventive care. It helps students access healthcare services when needed without incurring high out-of-pocket costs.

3. What if my college offers a student health insurance plan? Can I choose a different plan?

If your college offers a student health insurance plan, you may be automatically enrolled in it. However, you have the option to waive the coverage if you have comparable health insurance from another source, such as plans that are available on American Visitor Insurance.

4. How do I find the right student health insurance plan?

When looking for a student health insurance plan, consider factors such as the coverage offered, premium costs, deductibles, co-pays, and the network of healthcare providers. Look for plans that meet your specific needs and budget. US students traveling abroad for a semester or a longer period can buy US student insurance on American Visitor Insurance for their international stay.

What is student travel insurance with trip cancellation coverage?

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.

Plan Name Trip cancellation Cost #
iTravelInsured Travel Lite IMG 100% of Trip Cost $32
iTravelInsured Travel SE IMG 100% of Trip Cost $37
iTravelInsured Travel LX IMG 100% of Trip Cost $94

GeoBlue Voyager Insurance for US Students

Geoblue Voyager plans offers coverage for Students or teachers going abroad for a semester.

Voyager Choice Insurance

  • Applicant's home country must be the US
  • Covers pre-existing conditions for medical services and medical evacuation, for individuals with a current U.S. health plan,
  • US primary health plan required.
  • Access to doctors and hospitals in 190 countries.

Voyager Essential Insurance

  • Applicant's home country must be the US.
  • Pre-existing conditions are covered with a 180-day exclusion.
  • Does not require a primary health plan.
  • Access to doctors and hospitals in 190 countries.
  • This plan is available from 1 day to 182 days.

How is student medical insurance cost calculated in the USA?

  • Student's age: The student's age determines the cost of US student medical insurance. Students under age 20 can expect health insurance costs ranging from $30 to $450 per month, or $400 to $4,200 per year. The prices for best health insurance for f1 students in USA increases with the age of the student.
  • Length of health insurance for F1 students: The cheapest student health insurance in the US can be either monthly or on a daily basis. The price increases with the duration of coverage required.
  • Maximum F1 student insurance coverage: The cost of health insurance for international students in the US is directly dependent on the medical maximum coverage required. The cost of F1 student health insurance is less for lower medical maximum and increases with higher medical maximum coverage.
    Click here to read more »

How can I buy US student abroad medical insurance?

1: Finding the available best health insurance for international plans

Complete the student insurance quotes request form by providing details of the student and insurance requirements.

2: Compare the different medical insurance options

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

3: Buy the student health insurance that you like best

Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.

4: Review the students medical insurance plan documents received by email

Review the travel insurance policy documents received by email closely for coverage details and relevant contact numbers.

Step by step student travel insurance

International student health insurance reviews

"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."

Ron W

"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"

Konstantin V.B

"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

Resourceful insurance information for students

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Student travel insurance FAQs

Commonly asked questions about international student travel insurance.

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Student insurance resources

Here are some useful resources to help you understand insurance.

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Factors for student Insurance

Factors while buying best international student health insurance USA.

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Which are the best insurance companies for international students in USA?

You can find reliable US insurance providers like International Medical Group(IMG), WorldTrips, GeoBlue insurance.

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