Compare and Buy International Student Insurance
If you are planning to study abroad at an international school or university, you will be required by both your school and your host country to have adequate international student insurance when you are visiting. To make sure you have the right plan, InternationalInsurance.com provides a range of options which will meet or exceed most visa insurance requirements and most schools.
US Students Abroad
Our Study Abroad Insurance Plans are for US Citizens studying abroad or enrolled directly at a foreign school. In either case, make sure you have reviewed your insurance coverage options. You may be able to save money and get additional benefits from buying a plan directly from one of our providers. Make sure you review the package of benefits, exclusions, and coverage amounts to insure you are getting what you need – at the right price.
Our International Student Insurance Plans are available to anyone studying in a foreign country. You may choose to purchase a policy on your own as an alternative to the plan the school offers. In some cases, you can lower your costs while securing a better plan when you buy outside of the school plan. This often makes more sense for older students, married students or students with families.
Our Recommended International Student Plans:
Patriot Exchange ProgramSM
Individual or groups of five or more members – Short-term coverage available from one month up to four years for educational and cultural exchange programs.
Patriot Exchange Program is designed to meet the U.S. visa travel insurance requirements for a individuals and groups of five or more students studying abroad or participating in a cultural exchange program, including J1 and J2 visa holders. Coverage may be purchased for spouses and unmarried dependent children traveling with the student/participant. Individuals and groups have the option to select from different plan options – $50,000, $100,000, $250,000, and $500,000 maximum per illness/Injury. The $50,000 maximum per Illness/Injury option does not comply with J1 and J2 visa requirements.
This program also offers three different areas of coverage, and an Optional Add-On plan for high school sports, personal liability and legal assistance. In addition to the Short-Term plan, groups may purchase an annually renewable Long-Term plan option that that has the flexibility to be tailored to meet specific needs of each program.
Student Health AdvantageSM
Individual or groups of five or more members – Long-term coverage available from one month up to five years for educational programs.
Student Health Advantage is designed to meet the needs of international students, scholars, and faculty, their families, and groups of five or more involved in long-term educational programs. In addition to meeting the requirements of the J1 Visa, this plan includes benefits for maternity, mental health and organized sports. After a period of 12 months, pre-existing conditions will be covered as well.
|This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition. This brochure contains many of the valuable trademarks, names, titles, logos, images, designs, copyrights and other proprietary materials owned and registered and used by of International Medical Group, Inc. and its representatives throughout the world. © 2007-2016 International Medical Group, Inc. All rights reserved.|
International Student Health Insurance Requirements
Most universities and colleges require their students to purchase international student health insurance for their enrollment period. These requirements can vary depending on your university or college and can apply to any dependents traveling with you as well.
Although the requirements at your school can vary, you should make sure that your plan includes at least the following benefits:
- Medical Coverage for Students – Universities, and typically the host country, require a minimum amount of medical coverage on your insurance plan. This dollar amount sets the minimum limit for eligible medical expenses that your insurance plan will pay (and often a maximum amount). Review the maximum and minimum coverage for the policy as well as for each benefit. (For more comprehensive long-term international medical insurance, check out our Global Medical Insurance plan.)
- Emergency Medical Evacuation – Another important aspect of international student health insurance is emergency evacuation. This benefit covers your costs if the local facilities in which you fall injured or ill do not have the capacity to give you proper care. If deemed necessary by the acting physician and your insurance company, this coverage will provide transportation to the nearest facility that can properly treat your condition. This type of coverage does not guarantee travel back to your home country in this situation unless deemed necessary by your attending physician.
- Repatriation of Remains – Repatriation of Remains, or the Return of Mortal Remains, provides funds in the event of death while outside of your home country. In an unfortunate event like this, shipping your remains to your family back home can be expensive. This benefit will provide the proper planning, logistics, and financial coverage for your family members.
If you would like to speak to an independent insurance agent that can answer your specific questions please call 866.575.3313. We look forward to assisting you with your International Student Insurance needs.