Health Insurance for International Students & Exchange Visitors

Find international student insurance that meets your program’s requirements.

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Student & Exchange Visitor Health Insurance

International Student Insurance Basics

International Student Insurance

For those on F & M visas studying at US schools

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Exchange Visitor Insurance

For J visa holders taking part in exchange programs

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OPT Insurance

For those taking part in Optional Practical Training

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Learn More About International Student Insurance

Do you have questions about insurance for international students or scholars? We can answer that!

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International Student Health Insurance USA

International Student Health Insurance USA

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ACA Requirements and Exemptions for International Students

ACA Requirements and Exemptions for International Students

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F1 Visa Insurance

F1 Visa Insurance

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M-1 Visa Student Insurance

M-1 Visa Student Insurance

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F2 Visa Insurance

F2 Visa Insurance

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J2 Visa Insurance

J2 Visa Insurance

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Frequently Asked Questions About International Student Insurance in the US

  • How much does health insurance cost for international students in the US?

    The exact cost for international student health insurance in the US depends on a variety of factors including your length of stay, whether or not you are covering any F2 dependents, and the specific plan you choose.

  • Is insurance required for international students?

    The health insurance requirements for international students depend on the school you will be attending. Each college or university will state their insurance requirements for international students. Be sure to purchase a student insurance plan that meets each off them.

  • What are insurance options for J1 and J2 visa holders?

    All J-1 and J-2 visa holders are required to have insurance coverage that meets the minimum standards set by the US Department of State. The J1 insurance plans we offer meet all State Department requirements.

  • What is OPT health insurance for F1 students?

    OPT health insurance is medical insurance specifically for international students taking part in Optional Practical Training, or OPT, a program that allows international graduates to remain in the US for up to 36 months in order to gain relevant work experience in their field of study. If you want to know how to apply for OPT, contact your Designated School Official (DSO).

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International Student Health Insurance Plans

Why You Need International Student Health Insurance

Nearly all US colleges and universities require F1 visa students to have international student health insurance plans. Some schools may provide complete or partial coverage, while others may require you to purchase insurance on your own. Although there is no federal requirement for F1/F2 visa holders to have insurance, you must have a plan in place for if you get sick or injured while studying in the US, and your school likely requires it. International student health insurance plans can protect you from unaffordable expenses.

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Benefits of International Student Health Insurance

Medical Evacuation/Repatriation

Medical Evacuation/Repatriation

Transportation to the nearest medical facility where adequate care can be given.

Medical Evacuation/Repatriation

If you were to become seriously sick or injured in a remote location while studying abroad, emergency medical evacuation coverage can provide transportation to the nearest medical facility where adequate care can be given. After becoming stable enough for travel, this coverage may also arrange for transport to your home country.
Trip Interruption

Trip Interruption

Covers expenses related to unexpected travel back home.

Trip Interruption

If you have to return to your home country urgently due to covered reasons such as destruction of your home by fire or flood, death of a parent, etc., trip interruption coverage can help pay for expenses to make necessary arrangements for your trip.
Emergency Medical Care

Emergency Medical Care

Treatment for new medical conditions, accidents or injuries during your studies.

Emergency Medical Care

International student insurance typically covers any new medical conditions, accidents, or injuries. Some plans may also cover maternity so long as the insured is not pregnant prior to the policy’s effective date. As US healthcare expenses are extremely high, most schools require international students to purchase insurance with a sufficient policy maximum.
PPO Network

PPO Network

For lower rates and direct billing from the provider to the insurance company.

PPO Network

Most international student insurance plans participate in PPO networks, which are networks of doctors and hospitals all over the US that bill insurance companies directly and charge you lower, network-negotiated fees which are discounted compared to regular rates.
Return of Mortal Remains

Return of Mortal Remains

Financial assistance in the unfortunate event of your passing away while studying abroad.

Return of Mortal Remains

In the unfortunate event that you pass away while studying abroad, return of mortal remains coverage can pay for transportation of your bodily remains or ashes to your home country.
Lost Luggage

Lost Luggage

Financial protection in the event that your airline permanently loses your checked luggage.

Lost Luggage

International students usually bring a lot of luggage. If the airline happens to lose one of your checked bags, this benefit can help pay for essentials that are immediately necessary upon arrival at your destination.
AD&D Coverage

AD&D Coverage

Can provide a lump sum benefit if the insured is dismembered or dies in an accident.

AD&D Coverage

AD&D coverage can provide a lump sum benefit to you or your family in the unlikely event that you become dismembered or pass away due to an accident during the policy period. Some plans may provide this coverage only when traveling on a common carrier such as a plane, bus, or train.
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Frequently Asked Questions

  • What is the best international student insurance?

    The best international student insurance plans for your needs will depend on your school’s requirements and your particular situation.

  • How much does health insurance cost for international students in the US?

    The exact cost for international student health insurance in the US depends on a variety of factors including your length of stay, whether or not you are covering any F2 dependents, and the specific plan you choose.

  • Is insurance required for F1 international students?

    The health insurance requirements for international students depend on the school you will be attending. Each college or university will state their insurance requirements for international students. Be sure to purchase a student insurance plan that meets each of them.

  • Who is Insubuy?

    Insubuy has led travel and international insurance, helping travelers, international students, and expats find comprehensive coverage for over two decades. As a trusted one-stop-shop for insurance, Insubuy is committed to delivering excellent customer service and innovative solutions, verified by TrustedSite and backed by strong industry expertise.

  • Why buy from Insubuy?

    Insubuy offers a seamless, reliable experience for finding travel and international insurance. With a Lowest Price Guarantee, you can be sure you’re getting the best rate, and our user-friendly website makes it easy to compare and purchase the right coverage in minutes. Licensed agents are available from Insubuy to provide expert support, and our secure transactions, A+ BBB rating, and 24/7 account access ensure you can buy with confidence—without any unsolicited spam.

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