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Student Insurance Plans

Student insurance plans provide quality health coverage for international students and their families. These plans are applicable for students coming to the U.S. on a F1, J1 or M1 student visa, or for U.S. citizens studying abroad. All international plans meet most requirements set by major universities and by the U.S. Immigration Authorities for student visas.

Showing 15 of 15 plans

Atlas International

Comprehensive CoverageComprehensive Coverage A.M. Best Rating: A
Underwriter: Lloyd's of London

Best for:
Worldwide

In Network:Not Available.

Out of Network:100% up to policy maximum.

In Network:Not Available.

Out of Network:100% up to policy maximum.

Benefits
Eligibility
Purchase Restrictions
Plan FAQs
  • COVID-19 Coverage: Included
  • After the deductible, plan pays 100% of eligible medical expenses up to the policy maximum
  • Acute Onset of Pre-Existing Condition Coverage
  • Emergency Medical Evacuation
  • Urgent Care Visits
  • Emergency Room Services
  • Emergency Eye Exam Coverage
  • Emergency Dental Coverage
  • Prescriptions/Medication
  • Pre-Existing Conditions: No Coverage
Safe Travels International - Cost Saver

Comprehensive CoverageComprehensive Coverage A.M. Best Rating: A
Underwriter: C&F Crum & Forster

Best for:
Worldwide

In Network:Not Available.

Out of Network:80% of first $5000, 100% thereafter.

In Network:Not Available.

Out of Network:80% of first $5000, 100% thereafter.

Benefits
Eligibility
Purchase Restrictions
Plan FAQs
  • After the deductible, plan pays 80% of the first $5,000 then 100% thereafter for eligible medical expenses up to the policy maximum
  • Acute Onset of Pre-Existing Condition Coverage
  • Emergency Medical Evacuation
  • Urgent Care Visits
  • Emergency Room Services
  • Emergency Dental Coverage
  • Prescriptions/Medication
  • Emergency Medical Treatment of Pregnancy
  • Trip Delay
  • COVID-19 Coverage: Excluded
  • Pre-Existing Conditions: No Coverage
  • No Additional Coverage Opts Available
Patriot Platinum International

Comprehensive CoverageComprehensive Coverage A.M. Best Rating: A
Underwriter: SiriusPoint Speciality Insurance Corporation

Best for:
Worldwide

In Network:Not Available.

Out of Network:100% up to policy maximum.

In Network:Not Available.

Out of Network:100% up to policy maximum.

Benefits
Eligibility
Purchase Restrictions
Plan FAQs
  • COVID-19 Coverage: Included
  • After the deductible, the plan pays 100% of eligible medical expenses
  • Acute Onset of Pre-Existing Condition Coverage
  • Emergency Medical Evacuation
  • Urgent Care Visits
  • Emergency Room Services
  • Emergency Eye Exam Coverage
  • Emergency Dental Coverage
  • Prescriptions/Medication
  • Pre-Existing Conditions: No Coverage
Patriot International Lite

Comprehensive CoverageComprehensive Coverage A.M. Best Rating: A
Underwriter: SiriusPoint Speciality Insurance Corporation

Best for:
Worldwide

In Network:Not Available.

Out of Network:100% up to policy maximum.

In Network:Not Available.

Out of Network:100% up to policy maximum.

Benefits
Eligibility
Purchase Restrictions
Plan FAQs
  • COVID-19 Coverage: Included
  • After the deductible, the plan pays 100% of eligible medical expenses
  • Acute Onset of Pre-Existing Condition Coverage
  • Emergency Medical Evacuation
  • Urgent Care Visits
  • Emergency Room Services
  • Emergency Eye Exam Coverage
  • Emergency Dental Coverage
  • Prescriptions/Medication
  • Pre-Existing Conditions: No Coverage
Student Secure - Select

Comprehensive CoverageComprehensive Coverage A.M. Best Rating: A
Underwriter: Lloyd's of London

In Network:80% of first $5000, 100% thereafter.

Out of Network:100% of URC.

In Network:80% of first $5000, 100% thereafter.

Out of Network:100% of URC.

Benefits
Eligibility
Purchase Restrictions
Plan FAQs
  • COVID-19 Coverage
  • After the deductible, plan pays 80% of the first $5,000 then 100% of eligible medical expenses within the United Healthcare PPO network; outside the PPO network, plan pays URC of eligible medical expense up policy maximum
  • Acute Onset of Pre-Existing Condition Coverage
  • Pre-Existing Condition: 6-month waiting period
  • Outpatient Treatments
  • Maternity Care for Covered Pregnancies
  • Mental Health Disorders
  • Sports & Activities
  • Emergency Medical Evacuation
  • Coverage up to 364 days (Renewal for up to 4 years of continuous coverage)
  • Optional Intercollegiate, Interscholastic, Intramural, or Club Sports Rider
  • Optional Accidental Death & Dismemberment Rider
  • Optional Crisis Response Rider
Student Secure - Smart

Comprehensive CoverageComprehensive Coverage A.M. Best Rating: A
Underwriter: Lloyd's of London

In Network:80% up to policy maximum.

Out of Network:100% of URC.

In Network:80% up to policy maximum.

Out of Network:100% of URC.

Benefits
Eligibility
Purchase Restrictions
Plan FAQs
  • COVID-19 Coverage
  • After the deductible, plan pays 80% of eligible medical expenses within the United Healthcare PPO network; outside the PPO network, plan pays URC of eligible medical expense up policy maximum
  • Acute Onset of Pre-Existing Condition Coverage
  • Outpatient Treatments
  • Mental Health Disorders
  • Sports & Activities
  • Emergency Medical Evacuation
  • Coverage up to 364 days (Renewal for up to 4 years of continuous coverage)
  • No Additional Coverage Opts Available
Study USA Standard Plan

Comprehensive CoverageComprehensive Coverage A.M. Best Rating: A
Underwriter: Lloyd's of London

In Network:80% up to policy maximum.

Out of Network:100% of URC.

In Network:80% up to policy maximum.

Out of Network:100% of URC.

Benefits
Eligibility
Purchase Restrictions
Plan FAQs
  • COVID-19 Coverage
  • After the deductible, plan pays 80% up to the policy maximum within the United Healthcare PPO network; outside the PPO network, plan pays the URC for eligible medical expenses
  • $200,000 per policy period, $100,000 per incident
  • Deductible - Inside PPO: $100, Outside PPO: $250 (Emergency Room deductible - $350)
  • Up to $500 in pre-existing conditions coverage after 12 month waiting period
  • Emergency Room Services
  • Wellness Benefit Coverage
  • Maternity Care for a Covered Pregnancy
  • No Additional Coverage Opts Available
Study USA Preferred

Comprehensive CoverageComprehensive Coverage A.M. Best Rating: A
Underwriter: Lloyd's of London

In Network:80% of first $25000, 100% thereafter.

Out of Network:100% of URC.

In Network:80% of first $25000, 100% thereafter.

Out of Network:100% of URC.

Benefits
Eligibility
Purchase Restrictions
Plan FAQs
  • COVID-19 Coverage
  • After the deductible, plan pays 80% of first $25,000 within the United Healthcare PPO network, then 100%; outside the PPO network, plan pays URC up to the policy maximum
  • $600,000 per policy period, $300,000 per incident
  • Deductible - Inside PPO: $50, Outside PPO: $150 (Emergency Room deductible - $250)
  • 12 months pre-existing condition waiting period
  • Emergency Room Services
  • Wellness Benefit Coverage
  • Maternity Care for a Covered Pregnancy
  • No Additional Coverage Opts Available
Student Health Advantage - Platinum

Comprehensive CoverageComprehensive Coverage A.M. Best Rating: A
Underwriter: SiriusPoint Speciality Insurance Corporation

In Network:90% of first $1000, 100% thereafter.

Out of Network:80% up to policy maximum.

In Network:90% of first $1000, 100% thereafter.

Out of Network:80% up to policy maximum.

Benefits
Eligibility
Purchase Restrictions
Plan FAQs
  • COVID-19 Coverage
  • After the deductible, plan pays 90% of eligible medical expenses up to $1,000, then 100% thereafter within the United Healthcare PPO network; Outside the PPO network, plan pays 80% of eligible medical expense up to the policy maximum
  • Long-term medical coverage up to 5 years
  • Coverage for $500,000 per incident for individuals and groups, $100,000 for their dependents
  • Repatriation for Medical Treatment
  • Maternity coverage
  • Pre-existing Conditions
  • $25 Deductible per Injury or Illness (Outside U.S. and in U.S. PPO Network)
  • Optional Adventure Sports Rider
Student Health Advantage - Standard

Comprehensive CoverageComprehensive Coverage A.M. Best Rating: A
Underwriter: SiriusPoint Speciality Insurance Corporation

In Network:90% of first $1000, 100% thereafter.

Out of Network:80% up to policy maximum.

In Network:90% of first $1000, 100% thereafter.

Out of Network:80% up to policy maximum.

Benefits
Eligibility
Purchase Restrictions
Plan FAQs
  • COVID-19 Coverage
  • After the deductible, plan pays 90% of eligible medical expenses up to $1,000, then 100% thereafter within the United Healthcare PPO network; Outside the PPO network, plan pays 80% of eligible medical expense up to the policy maximum
  • Long-term medical coverage up to 5 years
  • Coverage for $300,000 per incident for individuals and groups, $100,000 for their dependents
  • Repatriation for Medical Treatment
  • Optional Adventure Sports Rider
Student Secure - Elite

Comprehensive CoverageComprehensive Coverage A.M. Best Rating: A
Underwriter: Lloyd's of London

In Network:100% up to policy maximum.

Out of Network:100% of URC.

In Network:100% up to policy maximum.

Out of Network:100% of URC.

Benefits
Eligibility
Purchase Restrictions
Plan FAQs
  • COVID-19 Coverage
  • After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; outside the PPO network, plan pays URC of eligible medical expense up policy maximum
  • Acute Onset of Pre-Existing Condition Coverage
  • Pre-Existing Condition: 6-month waiting period
  • Outpatient Treatments
  • Maternity Care for Covered Pregnancies
  • Mental Health Disorders
  • Sports & Activities
  • Emergency Medical Evacuation
  • Coverage up to 364 days (Renewal for up to 4 years of continuous coverage)
  • Optional Intercollegiate, Interscholastic, Intramural, or Club Sports Rider
  • Optional Accidental Death & Dismemberment Rider
  • Optional Crisis Response Rider
Study USA Platinum

Comprehensive CoverageComprehensive Coverage A.M. Best Rating: A
Underwriter: Lloyd's of London

In Network:85% of first $10000, 100% thereafter.

Out of Network:100% of URC.

In Network:85% of first $10000, 100% thereafter.

Out of Network:100% of URC.

Benefits
Eligibility
Purchase Restrictions
Plan FAQs
  • COVID-19 Coverage
  • After the deductible, plan pays 85% up to $10,000 then 100% within the United Healthcare PPO network; outside the PPO network, plan pays the URC for eligible medical expenses
  • $500,000 per policy period, $500,000 per incident
  • Deductible - Inside PPO: $25, Outside PPO: $100 (Emergency Room deductible - $100)
  • 6-month pre-existing condition waiting period
  • Emergency Room Services
  • Wellness Benefit Coverage
  • Maternity Care for a Covered Pregnancy
  • Sports & Activities Coverage
  • Optional Intercollegiate, Interscholastic, Intramural, or Club Sports Rider
  • Optional Vaccination Benefit Rider
  • No Additional Coverage Opts Available
Student Secure - Budget

Comprehensive CoverageComprehensive Coverage A.M. Best Rating: A
Underwriter: Lloyd's of London

In Network:80% of first $25000, 100% thereafter.

Out of Network:100% of URC.

In Network:80% of first $25000, 100% thereafter.

Out of Network:100% of URC.

Benefits
Eligibility
Purchase Restrictions
Plan FAQs
  • COVID-19 Coverage
  • After the deductible, plan pays 80% up to $25,000 and then 100% of eligible medical expenses within the United Healthcare PPO network; outside the PPO network, plan pays URC of eligible medical expense up policy maximum
  • Acute Onset of Pre-Existing Condition Coverage
  • Pre-Existing Condition: 12-month waiting period
  • Outpatient Treatments
  • Maternity Care for Covered Pregnancies
  • Mental Health Disorders
  • Sports & Activities
  • Emergency Medical Evacuation
  • Coverage up to 364 days (Renewal for up to 4 years of continuous coverage)
  • Optional Intercollegiate, Interscholastic, Intramural, or Club Sports Rider
  • No Additional Coverage Opts Available
Study USA Basic Plan

Comprehensive CoverageComprehensive Coverage A.M. Best Rating: A
Underwriter: Lloyd's of London

In Network:80% up to policy maximum.

Out of Network:100% of URC.

In Network:80% up to policy maximum.

Out of Network:100% of URC.

Benefits
Eligibility
Purchase Restrictions
Plan FAQs
  • After the deductible, plan pays 80% up to the policy maximum within the United Healthcare PPO network; outside the PPO network, plan pays URC for eligible medical expenses
  • $200,000 per policy period, $100,000 per incident
  • Deductible - Inside PPO: $250, Outside PPO: $500 per injury/illness
  • Emergency Room Services
  • Sports & Activities Coverage
  • No Additional Coverage Opts Available
GeoBlue Navigator

Comprehensive CoverageComprehensive Coverage A.M. Best Rating: A
Underwriter: 4Ever Life Insurance Co.

In Network:80% of coinsurance maximum, then 100%.

Out of Network:60% of coinsurance maximum, then 100%.

In Network:80% of coinsurance maximum, then 100%.

Out of Network:60% of coinsurance maximum, then 100%.

Benefits
Eligibility
Purchase Restrictions
Plan FAQs
  • COVID-19 Coverage
  • In Network - Plan pays 80% till co-insurance maximum then 100% (Out of network: Plan pays 60% till co-insurance maximum then 100%)
  • Unlimited Policy Maximum
  • Coverage includes preventive care
  • U.S. licensed and admitted coverage
  • Cashless direct billing with participating providers
  • Optional Dental/Vision Rider
  • No Additional Coverage Opts Available

Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.

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