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International F1 student health insurance

Student insurance for USA: Find the best international student health insurance plan for your needs.

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Students insurance cost details »

International Student health insurance cost

The cost of international student medical insurance varies significantly depending on the country of study, the student's age, the level of coverage selected, the deductible and co-insurance of the plan, the duration of coverage, any special coverage like hazardous sports etc.. as well as the insurance provider. Generally, countries with higher healthcare costs like the USA have more expensive insurance plans. Younger students may enjoy lower rates compared to older students, and comprehensive plans with broader coverage have higher premiums. International students can use the Student medical insurance compare tool on American Visitor Insurance to get specific costs from different insurance providers, and review the different coverage details, exclusions, deductibles, and co-payments easily. On American visitor Insurance, students can find a plan that best fits their needs and budget while ensuring access to quality healthcare for their studies abroad.


Health insurance for F1 students in USA, F1 health insurance

There are many US students taking a semester overseas or even going abroad for a college degree. The US domestic health insurance plan will not cover them outside the US, so they have to buy best health insurance for international students in USA.

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Patriot Exchange insurance for F2 visa holders

International Medical Group (IMG) has designed Patriot Exchange insurance which is the best international health insurance for F2 visa holders. Patriot Exchange insurance can be bought by the F2 visa dependents even if the F1 visa student is not covered by the Patriot exchange plan.

Best international student health insurance plan highlights

usa student insurance
  • Satisfies most US college requirements
  • Cheaper than university insurance plans
  • Can complete waiver form if needed
  • Option to cancel plan at any time
  • Dedicated customer service
  • Cheap OPT student insurance options available
  • J1 visa insurance to satisfy J visa requirements
  • F2 visa insurance options available

International health insurance for students - Overview

International student medical insurance is ideal for students who are no longer covered as a dependent under their parents insurance or who are attending school outside an HMO or PPO region or find individual health insurance or other plan as too expensive. We congratulate you for beginning a new chapter in your life i.e starting an university education. When you are abroad to pursue education you should make sure that necessary steps taken to safeguard yourself from health care costs in case of an accident or illness. Every year, thousands of international students in the USA and US students abroad need medical treatment are unprepared to cope with the high costs involved. By purchasing cheap international student health insurance all your worries can be removed.

These health insurance for F1 visa students plan are designed to satisfy the special needs of international students enrolled in US universities. Spouses and children (dependents) of international students (F1 visa) are also eligible for these plans. International Students (F1 visa) and their dependents (F2 visa insurance) are usually not eligible for mainstream US health insurance coverage because most of mainstream policies require local residency (6 months to 2 years) or US citizenship.

F1 student health insurance plans focus on providing coverage for your medical expenses resulting from sudden illness or injuries during your period of study and typically offer coverage for 4 or more years.

A few f1 student health insurance plans for international students offer maternity coverage provided conception occurs after a certain period of coverage (can range from 3 months to 2 years).

We have created a friendly online insurance compare/quote facility. Here you have to simply enter the relevant information. Our system will then search all your options from leading insurers and produce a list of international student insurance in USA plans that you are eligible for. You can then easily compare the different F1 insurance plans based on their price and different offerings. You can then select the one that you like best and purchase best international student health insurance directly online.


Best international health insurance for students

Factors while buying best international student health insurance USA.

Colleges and universities

Student insurance for US colleges and universities

Find the best international student health insurance plan for your needs.

International students health insurance - FAQ's

The international student health insurance cost in USA is contingent on the student’s age, the coverage period, the plan medical maximum, the deductible and coverage benefits of the student medical insurance. The international students insurance for USA is more expensive when compared to other countries as the cost of US healthcare is very high.

The best international student insurance will vary for different students based on their specific needs. There is no single student medical insurance plan which can be considered as the best student health insurance plan for all students. The factors to consider for classifying the best student insurance will be the cost of the insurance, the coverage details, the provider network, renewability of the plan and any unique benefits such as hazardous sports coverage.

The cost of US healthcare is very expensive and is not free for international students, therefore they need good student health insurance. Given the sophisticated but expensive health care it is advisable for international students on the F1 visa in to buy best student health insurance available. The cost of student insurance is low when compared to the cost of US healthcare.

Many US Schools and Universities offer health insurance for foreign students, however these are expensive. If the Universities do not insist on their university student insurance for international students, international students can buy F1 visa student insurance on American visitor insurance to satisfy their student insurance requirements.

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.

No. International students are not eligible for Medicare. Medicare is a US government program only available to US citizens or US permanent residents who have paid into the US system.

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.

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.

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.

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.

Best international student insurance for USA - features

  • Student Secure most of the Government and Visa requirements. This medical insurance USA for international students plan meets the requirements of many schools. This plan has four levels namely Select, Elite, Budget and Smart. Students can pick any of them that suit their needs and budget. This plan covers eligible medical expenses, emergency medical evacuation and repatriation of remains. These plans is for full time international students and research scholars registered in Universities outside their home country.

    These plans meets the J1 Visa requirements and the F1 Visa requirements and is available for their spouses and dependents as well. The full time student/scholar status requirement is waived for participants within the US holding F1 Visa including those students on OPT or J1 Visa. Full time status requirements remain in force for those having M1 Visa or other category visas.

    Key highlights:
    • Covers Covid19 illness.
    • Coverage for pre-existing conditions is available after 6 months from the date of enrollment
    • Renewable for up to 4 years.
    • Intercollegiate, interscholastic, intramural or club sports coverage is available.
    • Coverage for mental health disorders, dental cover, physical therapy and chiropractic care are available with this plan.
    • Maternity Care, routine care for a newborn baby and therapeutic termination of pregnancy are covered benefits.
    • Co insurance inside the US: Underwriters will pay 80% of the first $5000 of eligible expenses after the deductible and 100% to certificate period maximum.
    • Co insurance outside the US: After the deductible, underwriters will pay 100% of eligible expenses to certificate period maximum.
    • Policy maximum can vary starting from $200,000 and go up to $1,000,000 depending on the plan chosen from the four levels of plans.
    • Study USA Platinum as an optional buy ups for Sports Benefits and Vaccination Benefit.
  • This plan is from the company IMG(International Medical Group). Student Health Advantage plan provides comprehensive coverage insurance for international students and scholars pursuing their education outside their home country. There are 2 options available in this, Standard plan and Platinum plan. This plan is renewable, meets the student visa requirements and covers maternity, mental health, organized sports and international emergency care. This plan is for individuals or groups of students participating in international programs, cultural exchange programs, graduation and scholars and educators.

    Key highlights:
    • Covers Covid19 illness.
    • Coverage for pre-existing condition is available after waiting period of 12 months with the Standard plan and waiting period of 6 months with the Platinum plan.
    • The Platinum plan provides coverage for maternity.
    • Coverage is renewable for up to 12 months period with initial purchase of 3 months.
    • Meets student, scholar and cultural exchange program visa requirements.
    • Mental and nervous disorder and substance abuse coverage is available with this plan.
    • Coverage for intercollegiate/interscholastic/intramural or club sports is available.
    • Co insurance - outside the US: 100% coverage is available.
    • Co insurance - within the US: In PPO network or student health center 100% is available, out of the PPO network company pays 80% of first $5000, and then 100% thereafter.
    • Policy maximum of $500,000 is available for the Standard plan and $1,000,000 is available for the Platinum plan.
    Plan Details Brochure

    The plan is designed for individuals and groups of international students and scholars, cultural exchange participants, educators and their dependents. This plan is very popular among the J1 and J2 visa holders. Most plan options are designed to meet the US J1 and J2 Visa requirements. Another unique feature of this plan is J2 Visa and F2 Visa holders can buy this plan without J1 and F1 holders being on the plan respectively.

    Key highlights:
    • Covers Covid19 illness.
    • Coverage if available for students and groups of students and their spouses and unmarried dependent children traveling with them.
    • Plan is renewable for up to 48 months with a minimum purchase of 1 month.
    • No co-insurance
    • Policy maximum is available up to $500,000 and lifetime maximum of $5,000,000 is available with this plan.
    • Optional add on coverage is available for high school sports, interscholastic, intramural or club sports, personal liability and legal assistance.
    • $5 co pay for visit within the student health center.
    • Copay for urgent care and walk in clinic are $50 and $20 respectively. Copay is not applicable in both cases if $0 deductible is chosen.
    • 100% coverage is available for physician visit for one visit per day.
    • 100% coverage available for prescription drugs after the deductible is met. 90 day dispensing mechanism.
    Plan Details Brochure
  • Study USA provides affordable comprehensive coverage for international students studying in the US and US students studying abroad. This plan meets the health insurance requirements of most of the US Universities. This plan meets the J1 Visa requirements. The dependents of F1 and J1 holders who are on F2 and J2 are eligible for coverage under this plan only if F1 and J1 are on the plan. This plan is available at four levels namely Basic, Standard, Preferred 300 and preferred 500.

    Key highlights:
    • Covers Covid19 illness.
    • Coverage available for F2 and J2 visa holders only if F1 and J1 holders are on the plan.
    • Plan is available for international students studying in the US and US students studying abroad.
    • Meets most of the requirements set by the department of State, immigration and naturalization services, NAFSA and University study programs abroad.
    • Plan covers repatriation of remains, medical evacuation, AD&D
    • Plan covers mental or nervous disorder, alcohol and substance abuse benefits and concierge services.
    • Plan provides coverage for dental services, therapeutic termination of pregnancy and ID theft services.
    • Pregnancy coverage is available for the insured student or the enrolled spouse if conception occurs after the effective date of coverage.
    • Co insurance within the US PPO and outside of the US: For expenses up to $25,000, plan pays 80% and then 100% for the covered expenses.
    • Co insurance out of the US PPO network: Plan pays 70%.
    • One wellness exam is covered 100% for the certificate period per year
    • The basic plan offers a policy maximum of $200,000, Standard plan offers $200,000, Preferred 300 plan offers $300,000 and preferred 500 plan offers $500,000
    • Coverage for pre-existing condition is available in the Standard plan and Preferred 300 plans after waiting period of 12 months and in the Preferred 500 plan after the waiting period of 6 months.
    Plan Details Brochure
  • The Geoblue Navigator plan meets the needs of international students and faculty by offering comprehensive worldwide coverage within US and outside US without typical limits, eligibility conditions and benefit exclusions that are usually seen in traditional plans. It combines the benefits with concierge level medical assistance and provides easy access to the Blue Cross and Blue Shield provider network, the largest provider network in the US. The plan offers coverage for students and faculty traveling outside of the US for short term research, study or international experience.

    Key highlights:
    • Geoblue is independent licensee of Blue Cross and Blue Shield association. Cashless access to the best provider networks inside and outside of the US.
    • Unlimited annual and lifetime medical maximum.
    • Choice of deductible options(waived for office visits). Physician office visits includes preventive care. $30 office visit copay(reduced to $10 outside of the US).
    • Coinsurance: 20% is charged for in network and 40% for out of network for eligible expenses. It is waived for outside of the US.
    • The price quote or the premium value is shown per month and the policy is purchased for a year's time period.
    • Pre-existing condition exclusion waived with prior creditable coverage.
    • No waiting period associated with preventive care services.
    • No exclusion for specified conditions in the first 6 months.
    • No pre-certification penalty imposed.
    • Sports and alcohol related injuries are covered.
    • Physical therapy, mental health , substance abuse are covered benefits.
    • Hospitalization, surgery and diagnostic care are available.
    • Medical evacuation, AD&D and Repatriation of remains coverage are available.
    Plan Details Brochure

Obamacare / Affordable care act insurance for students in USA

International student health insurance frequently asked questions

International student medical insurance is a type of health insurance specifically designed for students studying abroad. Student health insurance provides coverage for medical expenses, emergencies, and other health-related services during their time studying in a foreign country. Foreign students can compare different student insurance plans using the Student medical insurance compare tool on American Visitor Insurance.

International student medical insurance typically covers unexpected medical expenses related to illnesses, accidents, emergency medical evacuation, repatriation of remains, and some preventive care. The coverage will also include hospitalization, doctor visits, prescription drugs, and other necessary medical treatments. International students can compare the best different student insurance benefits on American Visitor Insurance.

Yes, most insurance providers offer flexibility in choosing the duration of coverage based on the length of your academic program. You can typically select coverage for a semester, an academic year, or multiple years, depending on your needs. The cost of most student insurance plans are on a per day basis, so you can choose the length of coverage exactly according to your needs.

Many countries and universities require international students to have valid student medical insurance. Even if it's not mandatory, having student health insurance is essential to protect yourself from potentially high medical costs in a foreign country, especially in countries like the US. Students should be able to focus on their studies without being burdened with any additional healthcare costs while in a foreign land.

Yes, most US insurance providers on American Visitor Insurance allow you to purchase coverage after arriving in the host country. It is however recommended to obtain student insurance before your departure to ensure you are protected from the moment you arrive.

Coverage for pre-existing conditions can vary depending on the student insurance plan and insurance provider. Some student health insurance plans may exclude pre-existing conditions from coverage, while others may offer limited coverage or require a waiting period before covering such conditions.

Yes, the US insurance providers on American Visitor Insurance allow international student insurance policy extensions if the student academic program is extended.

Students can find the best international student medical insurance on American Visitor Insurance using their comparison tool. Factors such as coverage benefits, cost, network of medical providers are displayed objectively allowing students to find the best plan for their budget and needs.

international student insurance USA

Popular countries among international students

Check here for the popular countries insurance for international students....

International student health insurance cost in USA

How much does international health insurance cost?
The cost of international health insurance for students depends different factors like the student’s age, maximum medical coverage, deductible and co insurance. Also depends on coverage for mental illness, dental expenses, hazardous sports, maternity and pre-existing diseases. Following are the best medical insurance cost for international students.
IMGInternational Medical Group (IMG)
Student Insurance Plans Medical limit ranges Deductible Price range
Patriot Exchange $50,000 to $500,000 $0 to $500 $64.80 - $86.40 Buy now
Student Health Advantage $500,000 $0 $89.00 Buy now
Student Health Advantage Platinum $1,000,000 $25 $272.00 Buy now
Student Insurance Plans Medical limit ranges Deductible Price range
StudentSecure Elite $500,000 $50 $176.00 Buy now
StudentSecure Select $300,000 $70 $95.70 Buy now
StudentSecure Budget $250,000 $90 $42.30 Buy now
StudentSecure Smart $100,000 $100 $30.60 Buy now
Student Insurance Plans Plan Maximum Deductible Estimate Plan Cost
Navigator Student Unlimited Coverage $0 $289 Buy now
Travel InsureTravel Insure
Student Insurance Plans Plan Maximum Deductible Estimate Plan Cost
Study USA Basic $100,000 $500 $38.60 Buy now
Study USA Standard $100,000 $250 $53.30 Buy now
Study USA Preferred $300,000 $150 $83.00 Buy now
Study USA Platinum $500,000 $100 $94.10 Buy now
Find out the best insurance for your budget and needs
Claims process for expenses due to injury or sickness
Step by step guide to buying the best travel insurance online
Commonly used international travel insurance terms
Tourists, Cruises, Students, J1 visa, OPT status, Immigrants...
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International health insurance for US students abroad

Student visa

Student F1 visa Medical Insurance FAQ

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Health Care cost

Opt Student Medical Insurance FAQ

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F2 Visa insurance

F2 visa medical insurance FAQ

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International students(Outside home country)

student insurance

We have created a friendly online international student insurance USA compare/quote facility. Here you have to simply enter the relevant information. Our system will then search all your options from leading insurers and produce a list of international student insurance plans that you are eligible for. You can then easily compare the different F1 student health insurance plans based on their price and different offerings. You can then select the one that you like best and purchase best international student insurance directly online.

United States university insurance requirements

student insurance

Most universities in the United States insist that all student have medical insurance coverage. In fact some states mandate student insurance as a requirement and no international student in F-1, F-2, J-1 or J-2 non-immigrant status shall be permitted to register or continue enrolment at a university without demonstrating that he or she has adequate medical insurance coverage for illness or accidental injury.

Steps to buy F1 visa international student insurance in the USA

Purchase student insurance

The following are the steps involved in buying the best student health insurance for international students in the US

  1. Find out from your University/School/College about health insurance for international students
  2. If available, is it mandatory to buy that University plan, or do they allow other student insurance plans
  3. If allowed to buy outside student insurance, then compare student insurance plans offered on American Visitor Insurance
  4. Compare international student insurance on American Visitor insurance with the University plan based on price as well as benefits
  5. F2 visa insurance and J2 visa insurance options for dependants are available if necessary.
  6. Select the international student health insurance plan that best fits your budget and needs.
  7. Complete the online purchase of the US student insurance plan, you will receive all the relevant documents by email.

Advantages of our Student insurance compared to college insurance

The student medical insurance on American Visitor Insurance are designed specifically for international students

These US Student insurance options offer comparable coverage to University insurance plans but are significantly cheaper

These US student health insurance provide coverage throughout the country and are not limited to the proximity of a college

Some of our student medical insurance can be extended while the student not taking courses on campus (OPT student insurance)

Student medical insurance for F2 visa - Spouse and dependants of a student visa holder even if the primary visa holder has a different insurance

We offer exchange student insurance plans that satisfy J visa insurance requirements as mandated by US consulates

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Covid19 international student insurance

Medical insurance for F1 students

International students studying outside their home country can buy cheap health insurance for international students plan for Covid19 medical expenses. Patriot Exchange, Student Health Advantage Insurance, Student Secure insurance, and Study USA insurance cover medical expenses resulting from COVID-19.

Foreign students can compare international student health insurance for Covid19 and find the cheapest health insurance for international students in usa with Covid coverage that fit their needs.

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