Study Abroad

Do International Students Really Need Health Insurance in the USA?

Do International Students Really Need Health Insurance in the USA?

When planning to study in the United States, one crucial consideration for international students is whether they need health insurance. Navigating the American healthcare system can be daunting, especially for students unfamiliar with it.

This blog will help you understand why health insurance is essential for international students, what options are available, and how to find the best and most affordable coverage.

Why Do International Students Need Health Insurance?

Health insurance for international students is vital because healthcare in the United States is expensive. Without insurance, a single visit to the doctor or an emergency room can lead to substantial out-of-pocket costs.

Having a reliable health insurance plan ensures you have access to necessary medical services without financial stress.

What Is International Student Health Insurance?

Student health insurance is a type of policy designed specifically for students. It provides coverage for a range of medical services, including doctor’s visits, hospital stays, and prescriptions.

International student health insurance ensures that students studying abroad have access to healthcare services when they need them while minimizing their out of pocket costs for otherwise expensive emergencies. 

Is Health Insurance Required for International Students in the USA?

While there is no federal mandate that requires students to have health insurance from the United States government, most universities in the United States require both international students to have health insurance.

This requirement ensures that students have access to necessary medical care and helps protect them from the high cost of healthcare. Health insurance for international students is not only a university requirement but also a practical necessity for staying safe and healthy during your studies.

University-Provided Health Insurance: Pros and Cons

Many universities in the United States offer health insurance plans to their students. While these plans provide a certain level of coverage, they often come with limitations:

  • High Cost: University-provided plans can be expensive. Most of them simply start at $1,000-$2,000 per year, private universities may charge even higher. 
  • Limited Coverage: These plans may only cover certain medical conditions and treatments.
  • Restricted Access: Students might be required to use university health facilities or specific local hospitals/clinics.

Due to these limitations, international students might find themselves without adequate coverage in emergencies or needing to pay extra for certain treatments.

How to Find the Best Health Insurance for International Students

Finding the best health insurance for international students in the USA can be straightforward with the right tools. VisitorsCoverage offers a user-friendly comparison tool that allows you to:

  • Customize Your Search: Filter plans based on your specific needs and budget.
  • Compare Policies: View and compare different plans side-by-side.
  • Select the Best Plan: Choose the most suitable and affordable option for you.

Our comparison tool helps you find the best health insurance for international students, ensuring you get the coverage you need without breaking the bank.

Why Choose VisitorsCoverage for Student Health Insurance?

At VisitorsCoverage, we offer a wide range of international student insurance plans that are often more affordable and comprehensive than university-provided options. Here’s why you should consider our plans:

  • Cost-Effective: Many of our plans are cheaper, some costing as little as $1 a day.
  • Extensive Coverage: Our policies cover a broader range of medical situations and providers.
  • Ease of Use: Our insurance plans come with an easy-to-use plan card that students can submit to their universities, ensuring they meet any institution’s insurance requirements.

Frequently Asked Questions (FAQs)


Do international students need health insurance?

Yes, it is highly recommended and often required for international students in the US to have health insurance to cover medical expenses.


What is the best health insurance for college students?

The best health insurance for college students is one that provides comprehensive coverage at an affordable price. VisitorsCoverage offers various plans that fit these criteria.


How much does international student health insurance cost?

he cost of international student health insurance can vary, but VisitorsCoverage offers plans that start as low as $1 a day.


Are international students required to have health insurance in the US

Yes, many universities require international students to have health insurance, and it is advisable due to the high cost of healthcare in the US.


Can I use my university’s health insurance plan?

Yes, but university plans can be expensive and offer limited coverage. Dedicated international student insurance plans from VisitorsCoverage are often more comprehensive and affordable.


What does international student health insurance cover?

Coverage can include doctor visits, hospital stays, emergency services, prescription medications, and more. The specific coverage depends on the plan you choose.


How do I submit my insurance plan to my university?

VisitorsCoverage provides an easy-to-use plan card that you can submit to your university to meet their insurance requirements.


How do I get student insurance for graduate students? Is health insurance for graduate students different?

Graduate students also need health insurance, and the plans available through VisitorsCoverage cater to both undergraduate and graduate students.


What are the benefits of private health insurance for international students?

Private health insurance typically offers more comprehensive coverage, a wider network of healthcare providers, and often at a lower cost compared to university plans.


How do I find the best health insurance plan for me?

Use the VisitorsCoverage comparison tool to customize your search, compare different policies, and select the best plan that fits your needs and budget.

VisitorsCoverage Is Here To Help! 

If you still have questions or need further assistance, our award-winning Customer Success Team is here to help. We are dedicated to providing extensive customer education so you can make the most informed decision before purchasing a policy.