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Study USA Student Health Insurance

Best for F1 & J1 students visa holdersMaternityPre-existing conditionsCOVID-19 Coverage

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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 international student health 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.

"Study USA Health Insurance" is a type of insurance plan designed specifically for international students studying in the United States. It is commonly referred to as international student health insurance or study abroad insurance.

Key benefits of Study USA Insurance

Ideal for J1 and F1 Visa requirements

Comprehensive plan

Pre-existing conditions

Renewability

Maternity Care

Emergency health Care

Here are some key features and benefits of Study USA Health Insurance:

  • Medical Coverage: The insurance plan provides coverage for medical expenses, doctor visits, hospitalization, surgery, prescription drugs, and other essential medical services required during the student's stay in the United States.
  • Emergency Medical Evacuation: If the student suffers from a serious medical condition that cannot be adequately treated in their current location, the insurance covers the cost of transportation to the nearest appropriate medical facility or back to their home country if necessary.
  • Repatriation of Remains: In the unfortunate event of the student's death, the insurance covers the expenses associated with repatriating their remains to their home country.
  • 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.
  • Pre-existing Conditions (Varies): Some plans may offer limited coverage for pre-existing conditions, while others may exclude them altogether.
  • Travel Assistance: Many Study USA Health Insurance plans offer 24/7 travel assistance services, including help with lost passports, emergency travel arrangements, language interpretation, and more.
  • 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 studying in the US.

Study USA Health Insurance is typically available for the duration of the student's academic program, and the coverage can be extended if needed. It is often a requirement for international students to have health insurance while studying in the US, and schools or universities may have specific insurance requirements that students must meet. Compare and buy Study USA health care insurance on American Visitor Insurance.

Study USA HealthCare Insurance plan highlights

Insurance provider
Travel Insurance Services
Study USA Insurance rating
AM Best Rating: "A" (Excellent)
Policy maximum
100,000, $300,000, $5,000,000 per injury or illness
Study USA Insurance Carrier
Travel Insurance Services
Study USA insurance satisfies 
J1 visa requirements
Study USA insurance underwriter
Underwritten by HCC Lloyd’s Syndicate 414

Study USA insurance - Study USA Student Insurance

Student health insurance by Study USA offers international student health insurance with Covid coverage for students outside their home country.

Study USA insurance related links

Study USA Insurance - Frequently asked questions

Does Study USA Insurance cover covid illness?

Travel Insurance Covid19 travel insurance by Study USA Insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19.

Travel Insurance Services is a member company of the USI Holdings Corporation which was established in 1973 .TIS being a national insurance agency in Philadelphia –PA offers travel insurance solutions for individuals, groups and organizations worldwide. TIS have administered innovative travel insurance covers for International travelers .

They offer travel medical coverage for foreign nationals and temporary residents who otherwise were not insured while visiting the US. Travelers can customize the plans according to their travel needs. They have a good worldwide network of physicians, hospitals and pharmacies that are very well recognized.

Yes, Travel Insurance services offers covid 19 travel insurance for coronavirus with their Travel Insure insurance plans.

Travel Insurance Select Elite Insurance has Cancel for any reason benefit which can be included at an additional cost within 21 days of the initial trip deposit/payment. To get the CFAR benefit travelers must cancel the trip at least two days prior to the scheduled departure date.

Travels insure is a member of USI Affinity Travel Insurance, who has 40+ years of expertise to help travelers find the insurance coverage required for an international trip.

Travel Insure is one the most reputed travel insurance providers of the USA offering international travel insurance. USI Affinity Travel Insurance Services has served travelers since 1973 offering protection while traveling outside of one's own country. It offers coverage for a business trip, vacation or even relocating abroad to live or to study.

Yes, you can buy Study USA insurance as long as you satisfy the eligibility requirements.

For Non US students in USA

Treatment at the student health center can enjoy the in-network benefit.

Treatment within the PPO network - Expenses are covered at a lower deductible and coinsurance than when you get treated outside network.

The student can also visit any doctor or hospital by contacting the Emergency Assistance Company who will help you find a doctor or hospital.

For US students studying outside USA

Treatment at student health center or any doctor or hospital can enjoy the in-network benefit.

If treated at a student health center first can waive the deductibles.

The student can also visit any doctor or hospital by contacting the Emergency Assistance Company who will help you find a doctor or hospital.

Yes, pre-existing conditions are covered after a waiting period of a minimum of 6 months

Yes Study USA offers worldwide coverage for students outside their home country.

For every 3 months of coverage, Study USA offers 15 days of coverage in the home country.

Travel Insurance Select Elite Insurance has Cancel for any reason benefit which can be included at an additional cost within 21 days of the initial trip deposit/payment. To get the CFAR benefit travelers must cancel the trip at least two days prior to the scheduled departure date.

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Plan benefits of Study USA Insurance

Medical Benefits
Covid19 coverage Basic: No Coverage
Standard: Covered as any other illness
Preferred: Covered as any other illness
Platinum: Covered as any other illness
Maximum per injury or illness Basic: $100K
Standard: $100K
Preferred: $300K
Platinum: $500K
Overall Maximum Limit Basic: $200K
Standard: $200K
Preferred: $600K
Platinum: $3M
Coinsurance inside the U.S. Basic: In network: 80% after deductible, up to overall maximum limit
Out of Network: Plan pays 100%
Standard: In network: 80% after deductible, up to overall maximum limit
Out of Network: Plan pays 100%
Preferred: In network: 80% after deductible, up to $25,000, then overall maximum limit
Out of Network: Plan pays 100%
Platinum: In network: 80% after deductible, up to $10,000, then overall maximum limit
Out of Network: Plan pays 100%
Coinsurance outside the U.S. Basic: Plan pays 100%
Standard: Plan pays 100%
Preferred: Plan pays 100%
Platinum: Plan pays 100%
Deductible (except emergency room) Basic: $250 in network / $500 out of network
Standard: $100 in network / $250 out of network
Preferred: $50 in network / $150 out of network
Platinum: $25 in network / $100 out of network
ER Deductible Basic: $500 per incident
Standard: $350 per incident
Preferred: $250 per incident
Platinum: $100 per incident
Maternity Care for a Covered Pregnancy Basic: Not Available
Standard: We will pay:
Within the PPO: 80% of eligible expenses, after the deductible, up to $8K.
Outside the PPO: Usual, reasonable, and customary up to $8K. You may be responsible for any charges exceeding the payable amount.
Outside the U.S.: 100% coinsurance, after the deductible, up to $8K
Preferred: We will pay:
Within the PPO: 80% of eligible expenses, after the deductible, up to $15K.
Outside the PPO: Usual, reasonable, and customary up to $15K. You may be responsible for any charges exceeding the payable amount.
Outside the U.S.: 100% coinsurance, after the deductible, up to $15K.
Platinum: We will pay:
Within the PPO: 80% of eligible expenses, after the deductible, up to $25K.
Outside the PPO: Usual, reasonable, and customary up to $25K. You may be responsible for any charges exceeding the payable amount.
Outside the U.S.: 100% coinsurance, after the deductible, up to $25K.
Nursery Care of Newborn Basic: Not Available
Standard: Up to $250 - not subject to coinsurance
Preferred: Up to $750 - not subject to coinsurance
Platinum: Up to $750 - not subject to coinsurance
Therapeutic Termination of Pregnancy Basic: Not Available
Standard: Up to $500 - not subject to coinsurance
Preferred: Up to $500 - not subject to coinsurance
Platinum: Up to $500 - not subject to coinsurance
Emergency local ambulance Basic: $300 per injury or illness
Standard: $350 per injury or illness
Preferred: $350 per injury or illness
Platinum: $350 per injury or illness
Dental Treatment due to Alleviate pain Basic: Not Available
Standard: Not Available
Preferred: $100
Platinum: $100
Dental Treatment - Due to Accident Basic: Not Available
Standard: Not Available
Preferred: $1K maximum per certificate period
Platinum: $1K maximum per certificate period
Pre-existing Conditions Waiting Period Basic: No Coverage
Standard: $500 maximum per certificate period; 12 months waiting period
Preferred: 12 months waiting period
Platinum: 6 months waiting period
Accidental Death and Dismemberment Basic: Not Available
Standard: Up to $5K lifetime maximum
Preferred: Up to $25K lifetime maximum
Platinum: Up to $25K lifetime maximum
Emergency medical evacuation Basic: Up to the overall maximum limit
Standard: Up to the overall maximum limit
Preferred: Up to the overall maximum limit
Platinum: Up to the overall maximum limit
Emergency reunion Basic: Up to $1,500, maximum of 15 days
Standard: Up to $2,500, maximum of 15 days
Preferred: Up to $2,500, maximum of 15 days
Platinum: Up to $5K, maximum of 15 days
Return of mortal remains or cremation/burial Basic: Up to $25K lifetime maximum
Standard: Up to $25K lifetime maximum
Preferred: Up to $25K lifetime maximum
Platinum: Up to $50K lifetime maximum
Terrorism Basic: Not Available
Standard: Not Available
Preferred: Up to $50K lifetime maximum
Platinum: Up to $50K lifetime maximum
Prescription Drugs Basic: For outpatient prescription 50% of actual charges
Standard: $30 deductible for generic drugs
$100 deductible for brand name
Preferred: $15 deductible for generic drugs
$50 deductible for brand name
Platinum: $15 deductible for generic drugs
$30 deductible for brand name
Mental Health Disorders (excludes drug abuse and alcohol abuse) Basic: Treatment must not be provided at a student health center.
Outpatient: $50 maximum per day, $500 maximum.
Inpatient: Up to $5K
Standard: Treatment must not be provided at a student health center.
Outpatient: $50 maximum per day, $500 maximum.
Inpatient: Up to $5K
Preferred: Treatment must not be provided at a student health center.
Outpatient: $50 maximum per day, $500 maximum.
Inpatient: Up to $10K
Platinum: We will pay: Within the PPO: 80% of eligible expenses, after the deductible, up to the overall maximum.
Outside the PPO: Usual, reasonable, and customary up to the overall maximum. You may be responsible for any charges exceeding the payable amount.
Outside the U.S.: 100% coinsurance, after the deductible, up to the overall maximum.
Outpatient: Maximum of 30 visits.
Inpatient: Maximum of 30 days.
Treatment must not be provided at a student health center.
Outpatient Treatment Basic: Up to the overall maximum limit
Standard: Up to the overall maximum limit
Preferred: Up to the overall maximum limit
Platinum: Up to the overall maximum limit
Intercollegiate, interscholastic, intramural or club sports Basic: Not Available
Standard: Not Available
Preferred: Not Available
Platinum: Optional Buy-Up: $10K
Sports & Activities - Leisure, Recreational, Entertainment, or Fitness Basic: Up to the overall maximum limit
Standard: Up to the overall maximum limit
Preferred: Up to the overall maximum limit
Platinum: Up to the overall maximum limit
Optional Vaccination Benefit Rider Basic: Not Available
Standard: Not Available
Preferred: Not Available
Platinum: Up to $150. Covered vaccinations and testing are: Measles, Mumps, Rubella (MMR); Tetanus/Diphtheria/Pertussis (TDAP); Chicken Pox (Varicella); Hepatitis B; and Meningitis (Meningococcal MCV4 and B) - not subject to deductible or coinsurance
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