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Studying abroad is one of the finest decisions that you can take because it offers endless opportunities and growth in your career domain. But living in the US comes with a price- bearing the medical expenses becomes highly challenging, especially if you are a foreign student. Henceforth, it becomes essential to buy an insurance plan that can keep you safe and make you feel protected in an unfamiliar land.
Here are the top 10 health insurance plans for international students that you can buy.
1. Patriot America Plus
Patriot America Plus is designed for non-US residents who need temporary medical insurance while traveling for business, education, or pleasure to the US. It offers comprehensive coverage throughout the US. Typically, the benefits include medical illnesses and injuries for in-patient and out-patient treatment, hospitalization, doctor’s visit, and urgent Care. The plan also offers coverage for an acute onset of a non-chronic pre-existing condition, AD&D (Accidental Death & Dismemberment), trip Interruption, repatriation, evacuation, and more. COVID-19 is covered like any other illness if the CDC warning for your destination is not Level 3 or higher.
2. Atlas America
Atlas America is made for non-US residents who are planning to come to the US temporarily, making it a popular visitor insurance plan for international students. The comprehensive plan provides visitors and students with in-patient and out-patient insurance coverage, emergency medical treatment, political evacuation, repatriation of remains, trip interruption, baggage, AD&D (Accidental Death and Dismemberment), acts of terrorism, natural disasters, and more. The plan also includes medical coverage for eligible expenses related to COVID-19, treatment of complications of pregnancy for the first 26 weeks of Pregnancy, and acute onset of a pre-existing condition.
3. Student Secure
If you are a full-time international student or scholar and studying outside your home country, Student Secure Smart should be your choice. The plan is made for full-time international students on F1 and J1 visas. It offers coverage for in-patient and out-patient medical expenses, hospital room & board, local ambulance, prescription drugs, mental health, maternity, and more.
4. Study USA
Study USA Basic provides affordable student medical insurance to foreign students studying in the US or outside of their home country. This plan can meet the health insurance requirements for international students at many universities. Anyone under 66 years of age can avail of this plan, but they must have a valid visa and are registered and engaged in academic activities at a US school, college, or university. The plan can cover an individual and can add the family as well. It covers medical inpatient and outpatient expenses, mental health and alcohol abuse, emergency medical evacuation, terrorism coverage, accidental death & dismemberment, repatriation of remains, and more.
WorldMed insurance is meant for international travel for foreign students and visitors coming to the US. The plan typically covers medical accidents, illness, emergency medical treatment, political evacuation, repatriation of remains, emergency dental, student travel, personal liability, recreational sports, trip interruption, baggage loss, accidental death, and dismemberment, and more. It also offers optional coverage for extreme sports, crisis response, AD&D, and coverage for intercollegiate/ interscholastic sports. You can buy this plan from 5 to 365 days.
6. Patriot Exchange
Patriot Exchange insurance provides coverage to non-US citizens and US citizens outside the country of residence. Non-US citizens coming to the US must be on F1/F2, J1/J2, M1/M2, or A1/A2 visas. Therefore, if you are planning to come to the US as a foreign student or scholar, or cultural exchange participant, this plan is designed for you! The plan includes coverage for medical expenses, emergency medical evacuation, repatriation, accidental death, & dismemberment, incidental trip coverage, dental, substance abuse, and more.
7. Diplomat Long Term
Diplomat Long term is yet another well-liked visitor insurance plan for international students who come to the US. It offers coverage to non-US residents when they plan to visit the US for travel, education, training, entertainment, leisure, and other purposes. The plan provides accident and sickness medical coverage, acute onset of a pre-existing condition, emergency medical evacuation, repatriation of remains, adventure sports, emergency dental, lost baggage, trip interruption, travel assistance, and accidental death and dismemberment benefits. It offers riders extreme sports coverage, incidental trips to their home country, additional AD&D, and war risk coverage for an additional premium.
8. Student Health Advantage
Student Health Advantage is a perfect plan for non-US residents, international students, scholars, and people invited to cultural exchange programs on F, J, M, and Q visas. Typically, the policy meets US students, scholars, and cultural exchange program visa requirements; hence, it is widely bought by many foreign students. It offers coverage to individuals or groups of five or more primaries and their dependents. It covers medical expenses, COVID-19 treatment, hospitalization, intensive care, mental or nervous/substance abuse, prescription drugs and medication, physical therapy, emergency local ambulance, emergency medical evacuation, emergency union, incidental trip coverage, terrorism, and more.
9. GeoBlue Navigator
The GeoBlue Navigator Student Inbound plan meets the needs of international students and faculty by offering comprehensive worldwide benefits—inside and outside the US. It is considered a premier health insurance for international students because it combines medical assistance and easy access to the Blue Cross and Blue Shield provider network. The plan provides coverage for students and faculty traveling outside of the US for short-term research, study, or international experience. For study or assignments, the inbound plan has a minimum length of stay is 3 months.
There are several health insurance plans available for international students, and not one plan can suit every student’s needs. Contact Visitor Guard® for a free consultation about the plans. You can also email us with your requirements, and we will respond with the right guidance.