Students 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 11 of 11 plans
Student Secure - Elite
Comprehensive Coverage, Rated A (Excellent)
Underwriter: Lloyd's of London
Benefits
- COVID-19 Coverage
- After the deductible, plan pays 100% of eligible medical expenses within the 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
Eligibility
- Available For: M, F, J, and OPT visa holders
- For ages 1 to 64 years
- Must be residing outside home country for the purpose of pursuing international educational activities
- Must be a full-time student
- The Full-time Student / Scholar status requirement is waived for valid F1 (including those students on OPT) or J1 visa holders in the U.S.
- Monthly Coverage Durations
- Not applicable for dependents
Purchase Restrictions
- Not Available for the following Destination Countries: Iran (IRN), North Korea (PRK), Russia (RUS) & Ukraine (UKR)
- Not available if Home Country/Country of Residences are: Cuba (CUB), Iran (IRN) & North Korea (PRK)
- Not available for Citizens of: Cuba (CUB) & Iran (IRN)
- Not available to individuals who are physically located in the states of: Maryland (MD), New York (NY) & Washington (WA)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states. - Not available to individuals who are physically located in the country of Australia (AUS) & Canada (CAN)
Student Secure - Budget
Comprehensive Coverage, Rated A (Excellent)
Underwriter: Lloyd's of London
Benefits
- COVID-19 Coverage
- After the deductible, plan pays 80% up to $25,000 and then 100% of eligible medical expenses within the 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
Eligibility
- Available For: M, F, J, and OPT visa holders
- For ages 1 to 64 years
- Must be residing outside home country for the purpose of pursuing international educational activities
- Must be a full-time student
- The Full-time Student / Scholar status requirement is waived for valid F1 (including those students on OPT) or J1 visa holders in the U.S.
- Monthly Coverage Durations
- Not applicable for dependents
Purchase Restrictions
- Not Available for the following Destination Countries: Iran (IRN), North Korea (PRK), Russia (RUS) & Ukraine (UKR)
- Not available if Home Country/Country of Residences are: Cuba (CUB), Iran (IRN) & North Korea (PRK)
- Not available for Citizens of: Cuba (CUB) & Syria (SYR)
- Not available to individuals who are physically located in the states of: Maryland (MD), New York (NY) & Washington (WA)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states. - Not available to individuals who are physically located in the country of Australia (AUS) & Canada (CAN)
Student Secure - Select
Comprehensive Coverage, Rated A (Excellent)
Underwriter: Lloyd's of London
Benefits
- COVID-19 Coverage
- After the deductible, plan pays 80% of the first $5,000 then 100% of eligible medical expenses within the 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
Eligibility
- Available For: M, F, J, and OPT visa holders
- For ages 1 to 64 years
- Must be residing outside home country for the purpose of pursuing international educational activities
- Must be a full-time student
- The Full-time Student / Scholar status requirement is waived for valid F1 (including those students on OPT) or J1 visa holders in the U.S.
- Monthly Coverage Durations
- Not applicable for dependents
Purchase Restrictions
- Not Available for the following Destination Countries: Iran (IRN), North Korea (PRK), Russia (RUS) & Ukraine (UKR)
- Not available if Home Country/Country of Residences are: Cuba (CUB), Iran (IRN) & North Korea (PRK)
- Not available for Citizens of: Cuba (CUB) & Syria (SYR)
- Not available to individuals who are physically located in the states of: Maryland (MD), New York (NY) & Washington (WA)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states. - Not available to individuals who are physically located in the country of Australia (AUS) & Canada (CAN)
Student Secure - Smart
Comprehensive Coverage, Rated A (Excellent)
Underwriter: Lloyd's of London
Benefits
- COVID-19 Coverage
- After the deductible, plan pays 80% of eligible medical expenses within the 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)
Eligibility
- Available For: M, F, J, and OPT visa holders
- For ages 1 to 64 years
- Must be residing outside home country for the purpose of pursuing international educational activities
- Must be a full-time student
- The Full-time Student / Scholar status requirement is waived for valid F1 (including those students on OPT) or J1 visa holders in the U.S.
- Monthly Coverage Durations
- Not applicable for dependents
Purchase Restrictions
- Not Available for the following Destination Countries: Iran (IRN), North Korea (PRK), Russia (RUS) & Ukraine (UKR)
- Not available if Home Country/Country of Residences are: Cuba (CUB), Iran (IRN) & North Korea (PRK)
- Not available for Citizens of: Cuba (CUB) & Syria (SYR)
- Not available to individuals who are physically located in the states of: Washington (WA), New York (NY) & Maryland (MD)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states. - Not available to individuals who are physically located in the country of Australia (AUS) & Canada (CAN)
Study USA Standard Plan
Comprehensive Coverage, Rated A (Excellent)
Underwriter: Lloyd's of London
Benefits
- COVID-19 Coverage
- After the deductible, plan pays 80% up to the policy maximum within the 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
Eligibility
- For U.S. and Non-U.S. Citizens
- Full-time students at secondary schools, colleges or universities (excluding those online), those who will be full-time students at a college or university within 31 days
- Full-time scholars affiliated with an educational institution and performing work or research for at least 30 hours per week
- For ages 1 to 64 years
- Meets J-Visa requirements
- Students residing outside their home country for the purpose of pursuing international educational activities
- Those who have not obtained residency status in the host country
- The Full-time Student/Scholar status requirement is waived for Participants within the US holding a valid F-1 or J-1 visa. Full-time status requirements remain in force for individuals holding M-1, or other category visas
Purchase Restrictions
- Not Available for the following Destination Countries: Cuba (CUB), Iran (IRN), North Korea (PRK) & Syria (SYR)
- Not available if Home Country/Country of Residences are: Cuba (CUB), Iran (IRN), North Korea (PRK) & Syria (SYR)
- Not available for Citizens of: Cuba (CUB), Iran (IRN), North Korea (PRK) & Syria (SYR)
- Not available to individuals who are physically located in the country of: Cuba (CUB), Iran (IRN), North Korea (PRK) & Syria (SYR)
Benefits
- COVID-19 Coverage
- After the deductible, plan pays 80% of first $25,000 within the 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
Eligibility
- For U.S. and Non-U.S. Citizens
- Full-time students at secondary schools, colleges or universities (excluding those online), those who will be full-time students at a college or university within 31 days
- Full-time scholars affiliated with an educational institution and performing work or research for at least 30 hours per week
- For ages 1 to 64 years
- Meets J-Visa requirements
- Students residing outside their home country for the purpose of pursuing international educational activities
- Those who have not obtained residency status in the host country
- The Full-time Student/Scholar status requirement is waived for Participants within the US holding a valid F-1 or J-1 visa. Full-time status requirements remain in force for individuals holding M-1, or other category visas
Purchase Restrictions
- Not Available for the following Destination Countries: Cuba (CUB), Iran (IRN), North Korea (PRK) & Syria (SYR)
- Not available if Home Country/Country of Residences are: Cuba (CUB), Iran (IRN), North Korea (PRK) & Syria (SYR)
- Not available for Citizens of: Cuba (CUB), Iran (IRN), North Korea (PRK) & Syria (SYR)
- Not available to individuals who are physically located in the country of: Cuba (CUB), Iran (IRN), North Korea (PRK) & Syria (SYR)
Benefits
- COVID-19 Coverage
- After the deductible, plan pays 85% up to $10,000 then 100% within the 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
Eligibility
- For U.S. and Non-U.S. Citizens
- Full-time students at secondary schools, colleges or universities (excluding those online), those who will be full-time students at a college or university within 31 days
- Full-time scholars affiliated with an educational institution and performing work or research for at least 30 hours per week
- For ages 1 to 64 years
- Meets J-Visa requirements
- Students residing outside their home country for the purpose of pursuing international educational activities
- Those who have not obtained residency status in the host country
- The Full-time Student/Scholar status requirement is waived for Participants within the US holding a valid F-1 or J-1 visa. Full-time status requirements remain in force for individuals holding M-1, or other category visas
Purchase Restrictions
- Not Available for the following Destination Countries: Cuba (CUB), Iran (IRN), North Korea (PRK) & Syria (SYR)
- Not available if Home Country/Country of Residences are: Cuba (CUB), Iran (IRN), North Korea (PRK) & Syria (SYR)
- Not available for Citizens of: Cuba (CUB), Iran (IRN), North Korea (PRK) & Syria (SYR)
- Not available to individuals who are physically located in the country of: Cuba (CUB), Iran (IRN), North Korea (PRK) & Syria (SYR)
Student Health Advantage - Platinum
Comprehensive Coverage, Rated A- (Excellent)
Underwriter: Sirius Specialty Insurance Corporation
Benefits
- COVID-19 Coverage
- After the deductible, plan pays 100% of eligible medical expenses within the PPO network; outside the PPO network, plan pays 80% for first $5,000, and 100% thereafter
- Long-term medical coverage up to 5 years
- Coverage for $500,000 per incident for individuals and groups, $100,000 for their dependents
- Maternity coverage
- Pre-existing Conditions
- $25 Deductible per Injury or Illness (Outside U.S. and in U.S. PPO Network)
- Optional Adventure Sports Rider
Eligibility
- For J1, M1, F1 or A1 visa holders
- For ages 31 days old to 64 years
- Be a participant: a student, scholar, intern, teacher, or trainee enrolled in an educational or cultural exchange program for the purposes of teaching, study, research, or receiving on the job training for a temporary period of time
- Be the spouse of a participant or children of a participant and residing outside his/her primary country of residence for a temporary period of time. Primary applicant must hold a J1, M1, F1 or A1 visa, and spouse must apply with primary applicant - they cannot apply alone
- Be physically and legally residing in the destination country with the intent to reside there for at least 30 days on the effective date and at renewal
- Not be hospitalized, disabled, pregnant, or HIV+ on the initial effective date
- Meets student visa requirements
- Premiums for this plan are charged per 30 days of coverage and do not work on a prorated basis. Please note that coverage is valid only for the specific travel dates selected
Purchase Restrictions
- Not Available for the following Destination Countries: Belarus (BLR), Russia (RUS) & Ukraine (UKR)
- Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Sierra Leone (SLE), Syria (SYR) & Venezuela (VEN)
- Not Available for Purchase from the Following U.S. States/Territories: New York (NY) & Maryland (MD)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states. - Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Kosovo (XKX), Niger (NER), Nigeria (NGA) & Sierra Leone (SLE)
Student Health Advantage - Standard
Comprehensive Coverage, Rated A- (Excellent)
Underwriter: Sirius Specialty Insurance Corporation
Benefits
- COVID-19 Coverage
- After the deductible, plan pays 100% of eligible medical expenses within the PPO network; outside the PPO network, plan pays 80% for first $5,000, and 100% thereafter
- Long-term medical coverage up to 5 years
- Coverage for $300,000 per incident for individuals and groups, $100,000 for their dependents
- Maternity coverage
- Optional Adventure Sports Rider
Eligibility
- For J1, M1, F1 or A1 visa holders
- For ages 31 days to 64 years
- Be a participant: a student, scholar, intern, teacher, or trainee enrolled in an educational or cultural exchange program for the purposes of teaching, study, research, or receiving on the job training for a temporary period of time
- Be the spouse of a participant or children of a participant and residing outside his/her primary country of residence for a temporary period of time. Primary applicant must hold a J1, M1, F1 or A1 visa, and spouse must apply with primary applicant - they cannot apply alone
- Be physically and legally residing in the destination country with the intent to reside there for at least 30 days on the effective date and at renewal
- Not be hospitalized, disabled, pregnant, or HIV+ on the initial effective date
- Meets student visa requirements
- Premiums for this plan are charged per 30 days of coverage and do not work on a prorated basis. Please note that coverage is valid only for the specific travel dates selected
Purchase Restrictions
- Not Available for the following Destination Countries: Belarus (BLR), Russia (RUS) & Ukraine (UKR)
- Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Sierra Leone (SLE), Syria (SYR) & Venezuela (VEN)
- Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Niger (NER), Nigeria (NGA) & Sierra Leone (SLE)
- Not Available for Purchase from the Following U.S. States/Territories: Maryland (MD) & New York (NY)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.
GeoBlue Navigator
Comprehensive Coverage, Rated A- (Excellent)
Underwriter: 4Ever Life Insurance Co.
Benefits
- 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
Eligibility
- For F & J visa holders
- For ages 1 year to 74 years
- Meets and exceeds the J1 Visa requirements
Purchase Restrictions
- Not Available for the following Destination Countries: Afghanistan (AFG), Burkina Faso (BFA), Central African Republic (CAF), Chad (TCD), Congo, The Democratic Republic of (COD), Cuba (CUB), Haiti (HTI), Iran (IRN), Iraq (IRQ), Libya (LBY), Niger (NER), North Korea (PRK), Pakistan (PAK), Palestinian Terr. (PSE), Somalia (SOM), South Sudan (SSD), Sudan (SDN), Syria (SYR), Venezuela (VEN) & Yemen (YEM)
- Not available if Home Country/Country of Residences are: Afghanistan (AFG), Burkina Faso (BFA), Central African Republic (CAF), Chad (TCD), Congo, The Democratic Republic of (COD), Cuba (CUB), Haiti (HTI), Iran (IRN), Iraq (IRQ), Libya (LBY), Mali (MLI), Niger (NER), North Korea (PRK), Pakistan (PAK), Palestinian Terr. (PSE), Somalia (SOM), South Sudan (SSD), Sudan (SDN), Syria (SYR), Venezuela (VEN) & Yemen (YEM)
- Not Available for Purchase from the Following U.S. States/Territories: New York (NY), Maryland (MD) & Washington (WA)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.
Benefits
- After the deductible, plan pays 80% up to the policy maximum within the 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
Eligibility
- For U.S. and Non-U.S. Citizens
- Full-time students at secondary schools, colleges or universities (excluding those online), those who will be full-time students at a college or university within 31 days
- Full-time scholars affiliated with an educational institution and performing work or research for at least 30 hours per week
- For ages 1 to 64 years
- Meets J-Visa requirements
- Students residing outside their home country for the purpose of pursuing international educational activities
- Those who have not obtained residency status in the host country
- The Full-time Student/Scholar status requirement is waived for Participants within the US holding a valid F-1 or J-1 visa. Full-time status requirements remain in force for individuals holding M-1, or other category visas
Purchase Restrictions
- Not Available for the following Destination Countries: Cuba (CUB), Iran (IRN), North Korea (PRK) & Syria (SYR)
- Not available if Home Country/Country of Residences are: Cuba (CUB), Iran (IRN), North Korea (PRK) & Syria (SYR)
- Not available for Citizens of: Cuba (CUB), Iran (IRN), North Korea (PRK) & Syria (SYR)
- Not available to individuals who are physically located in the country of: Cuba (CUB), Iran (IRN), North Korea (PRK) & Syria (SYR)
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.
