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Commonly asked questions about student travel insurance.
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Why do students studying abroad need international health insurance?
International health insurance especially in the US and Europe is essential for students studying abroad as it provides them access to medical care and assistance while they are away from home. It ensures that students can receive medical treatment in case of illness or injury and covers medical expenses, emergency medical evacuation, repatriation, and other essential services, all of which are very expensive otherwise. It is also important to note that simply having US student medical insurance while studying in USA will significantly lower the hospital bills. The US insurance company preferred provider organisation (PPO) network healthcare billing is usually significantly lower than regular hospital bills without PPO network in the United States
Can students use their domestic health insurance while studying abroad?
In some cases, students may have limited coverage under their domestic health insurance while studying abroad, however, this coverage is usually insufficient while overseas. Even with limited overseas coverage, it is strongly recommended for international students to buy international student health insurance as those offered on American Visitor Insurance to ensure comprehensive coverage during their study time abroad.
What does international health insurance for students typically cover?
International student health insurance offered on American Visitor Insurance covers a range of medical services and expenses, including hospitalization, doctor visits, prescription medications, emergency medical evacuation, repatriation of remains, and sometimes mental health services. The specific coverage details can vary depending on the insurance plan and provider and can be easily compared on American Visitor Insurance using their comparison tool.
Can students choose their preferred healthcare providers abroad with international health insurance?
The ability to choose preferred healthcare providers abroad may vary depending on the insurance plan and its network of providers. Some international health insurance plans have a network of healthcare providers and facilities with which they have agreements, allowing students to access services at negotiated rates, this can be reviewed using the student insurance comparison tool in American Visitor Insurance. It is important for students to use the compare student insurance tool on American Visitor Insurance to review the insurance plan details and to understand the provider network and the process for seeking medical care abroad. . Do note that having US student medical insurance while studying in USA will result in lower the hospital bills. The US insurance company preferred provider organisation (PPO) network healthcare billing is significantly lower than regular hospital bills without PPO network in the United States.
How can students find the right international health insurance plan for studying abroad?
Finding the right international health insurance plan is easy on American Visitor Insurance using their student insurance comparison tool. Students can check with their academic institution if they have any recommended insurance providers or specific requirements for coverage and then compare these requirements with the plans offered on American Visitor Insurance for coverage benefits, exclusions, and costs of different plans to make an informed decision. The student insurance plans on American Visitor Insurance are comparable to University plans, but are usually much cheaper.
Are pre-existing conditions covered by international health insurance?
Coverage for pre-existing conditions can vary among international health insurance plans on American Visitor Insurance. Some plans on American Visitor Insurance offer limited coverage for pre-existing conditions, while others may exclude them entirely. It's essential for students to use the student comparison tool to review the policy's terms and conditions to understand how pre-existing conditions are handled and whether additional coverage are available for specific medical needs.
Can international health insurance for students be extended or renewed?
Most international student health insurance plans on American Visitor Insurance can be extended or renewed if needed. Students should check with American Visitor Insurance by calling 877-340-7910 about the possibility of extending coverage.
What should students do in case of a medical emergency while studying abroad?
In the event of a medical emergency abroad, students should contact their insurance provider immediately to seek guidance and assistance. Most insurance companies offer 24/7 emergency helplines to provide support and coordinate medical care.
Is dental and vision care typically covered under international health insurance for students?
Dental and vision care coverage may or may not be included in international student insurance plans on American Visitor Insurance. Some plans may offer limited coverage for dental emergencies, while routine dental and vision care may require additional coverage or a separate policy. Students should review the plan details and check with American Visitor Insurance by calling 877-340-7910 to understand the dental and vision coverage.
Can students purchase international health insurance for their dependents who accompany them abroad?
Yes, some student health insurance plans on American Visitor Insurance offer the option to purchase coverage for dependents who accompany students abroad. Students should check with American Visitor Insurance by calling 877-340-7910 to see if this options is available and the additional costs and benefits are.
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