Skip to Content

Affordable OPT Student Health Insurance

Studying abroad can bring a lot of opportunities. But that does not mean you should avoid the possible misfortunes that might come your way. Being in a new, unknown place, it is hard to manage everything. It is even harder if needed to face monetary emergencies as a student. To avoid such circumstances, Visitor Guard® offers Health Insurance for OPT students.

Optional Practical Training insurance helps students with various medical conditions. 

Under an F1 visa, students have the privilege to work alongside their studies to expand their practical knowledge. By working under OPT, you can get practical training to make your overseas learning experience all the more valuable. 

Health insurance for OPT students is a must for studying and working abroad. You’ll want to be sure to have a good opt student health insurance plan to meet your needs. With Visitor Guard®, you get to compare the best opt student health insurance plans and choose the one that suits your needs.

Health Insurance for OPT Students

Health Insurance for OPT Students - Comprehensive Plans

visitor-guard - first-aid-kit

Safe Travel USA Comprehensive

$73 / mo For age 45 year with $50,000 plan and $250 deductible
  • Plan maximum limits ranging from $50,000 to $1 million
  • Deductible options from $0 to $5000
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19, Well Doctor Visit
  • Coverage for 1 episode of Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 364 days
  • Brochure
Purchase Now
visitor-guard - first-aid-kit

Patriot America Plus

$75 / mo For age 45 year with $50,000 plan and $250 deductible
  • Plan maximum limits ranging from $50,000 to $1 million
  • Deductible options from $0 to $2,500
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
  • Coverage for non-chronic Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 2 years
  • Brochure
Purchase Now
visitor-guard - first-aid-kit

Atlas America

$80 / mo For age 45 year with $50,000 plan and $250 deductible
  • Plan maximum limits ranging from $50,000 to $2 million
  • Deductible options from $0 to $5,000
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
  • Coverage for non-chronic Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 364 days
  • Brochure
Purchase Now

OPT Student Health Insurance - Limited Benefit Plans

Visitors Care

$31 / mo For age 45 year with $50,000 plan and $100 deductible
  • Maximum plan limits ranging from $25,000 to $100,000
  • Deductible options of $0, $50, $100 (varies by age)
  • Coverage for hospitalization, emergency room, urgent care, doctor's office visits, prescription drugs, Covid-19
  • Coverage for non-chronic acute onset of pre-existing conditions
  • Coverage from 5 days to 2 years
  • Brochure
  • Review plan
Comprar ahora
visitor-guard - first-aid-kit

Safe Travels Elite

$38 / mo Para mayores de 45 años con plan de $50,000 y deducible de $0
  • Límites máximos del plan que van desde $25,000 hasta $170,000
  • Opciones de deducible $0; Para edades de 79 a 89 años: $100, $200
  • Cobertura para hospitalización, sala de emergencias, atención de urgencia, visitas al consultorio médico, medicamentos recetados, Covid-19
  • Cobertura para 1 inicio agudo de condiciones preexistentes
  • Cobertura de 5 días a 364 días
  • Folleto
  • Plan de revisión
Comprar ahora
Need help?
Talk with an expert!

+1 (804) 325-1385

Benefits of Health Insurance for OPT Students

Studying abroad can open up new doors of opportunities but can also end them if you are not well prepared. Make sure you choose the right OPT student health insurance plan before moving. 

  1. Medical care - OPT student health insurance plans provide coverage for medical expenses.
  2. Emergency transportation - OPT student health insurance provides emergency transportation facilities to give medical support.
  3. Emergency medical care - These plans provide coverage in case you go through any unforeseen accident. 
  4. Covid-19 coverage - Covid infections can really harm your health. OPT student health insurance provides protection against Covid-19. 
  5. Domestic insurance alternative - International students cannot apply for domestic insurance plans. OPT student health insurance plans are the perfect alternative. 

Why choose us for Health Insurance for OPT Students?

As much as it is important to understand and buy the right  OPT student health insurance, it is also highly important to make purchases from the right provider. Contact Visitor Guard® to get the best value.

  1. Expert guidance - Visitor Guard® provides you the guidance you need to solve any queries that you might have.
  2. All-time support - No more waiting for support the whole day. We reach to your problems as soon as possible.
  3. Best rates - Visitor guard® provides the best opt student health insurance plans at the most affordable prices.
  4. Smooth purchase - Make quick and smooth purchases of the best medical insurance plans for opt students.
  5. Globally trusted - Visitor Guard® is trusted all over the world for its exceptional services.

 

About Health Insurance for OPT Students 

Many international students want to work while studying in the United States, both to get real-world work experience and earn a little extra money. Health insurance for OPT students is both critical and foundational for your safety and security while working in the United States. 

Optional Practical Training (OPT) is the work permission available for F-1 students who have completed or have been pursuing their degrees for one academic year. Under the OPT program, you may get part or full-time employment up to 12 months before or after your graduation, as long as it is related to your primary area of study. When you travel abroad as a student with Optional Practical Training (OPT) status, it gives you the opportunity to learn more than you would in a traditional education environment. Living in the United States can be a new and eye-opening learning experience. Let not any misfortune hamper your growth. Purchase Health insurance for OPT students to take the stress off your shoulder. 

OPT Student Health Insurance Plan Deductibles

It’s important to understand the necessary deductible amounts for Health insurance for OPT students; you will always need to have this amount available when getting medical or travel services. Atlas has varying amounts that includes amounts: $0, $100, $250, $500, up to $5,000.  This amount is an annual deductible i.e. you will meet your deductible only once a year on the same certificate. 

The Maximum Limit 

The maximum amounts of coverage provided by Health insurance for OPT students are based on your age. Those younger than 70 have the same maximum limits. These start out at $50,000 and go up incrementally in the following amounts: $100,000, $250,000, $500,000, $1,000,000 and $2,000,000. These limits will only be paid after you pay the deductible amount for OPT student health insurance. 

Personal Liability 

In the event that you become liable for another person’s injuries or damage to their property, you can be covered by OPT student health insurance for it. The coverage will pay up to $100 per day of inpatient hospitalization. There is no deductible. 

There is a $25,000 lifetime maximum for personal liability provided by OPT student health insurance and a $25,000 maximum for third-person injury. For third-person property, there is a $25,000 maximum and only $2,500 for the related third-person property. There is no deductible or overall maximum limit. 

OPT Student Health Insurance

Crisis Response 

You will be covered by a limit of up to $10,000 by OPT student health insurance  (unless you buy additional coverage – up to $100,000), to cover costs related to kidnapping, ransom, expenses for crisis response, and the loss of personal possessions. Costs of negotiations and the coordination of law enforcement costs are included. 

Medical Insurance For OPT Students - Emergency Care

When you go to the emergency room in the US for an illness, you will need to pay an additional $200.00 deductible each time you go even if you have OPT student health insurance. If you go because of an injury, there is no additional deductible. If you travel to the hospital via ambulance, Atlas OPT student health insurance will pay for reasonable and customary charges if you are admitted into the hospital. There is also coverage for complications during the first 26 weeks of pregnancy. During a hospital stay, the coverage provided by medical insurance for opt students is for an average semi-private room and includes nurse care. 

In the US, for a non-life-threatening emergency, when you go to a network Urgent Care you will need to pay a $15 co-payment even if you have purchased medical insurance for opt, students –unless you have the plan with $0 deductible. An in-network Urgent Care visit does not have a deductible amount. If there is an acute onset of a non-chronic pre-existing condition and you are under 70, claims can be paid up to the maximum limit. For those who are 70 – 79, there is a $100,000 limit. There is a $25,000-lifetime maximum provided by medical insurance for opt, students if you need Emergency Medical Evacuation. 

If there is an acute dental pain to sound natural teeth, Atlas covers Emergency Dental care,  up to $300.

 

Health Insurance for OPT Students

Health Insurance for OPT Students - Emergency Travel Benefits 

In the event that you or your loved ones may need to be evacuated home from a foreign country, the Health Insurance for OPT Students provides coverage for the return of minors to your home country and has a limit of $50,000 without a deductible. If you need to return a pet to your home country, there is a limit of $1,000 provided by OPT student health insurance with no deductible. 

OPT students may also encounter natural disasters. When your accommodations are destroyed or unusable, Atlas OPT student health insurance will provide you with replacement accommodations of up to $250 per day for a total of five days. If a political evacuation is needed, there is a $100,000-lifetime maximum and a deductible will not be required. 

The Emergency Travel Benefits coverage provided by medical insurance for OPT students does not include visiting a country that has been given a level 3 or level 4 travel advisory by the U.S. Department of State. Your coverage is voided if the advisory level was given in the six months before arriving in that country. Other than OPT students we also offer medical insurance plans for J1 Students and all other international students in the USA.

Luggage and Visa Coverage 

Losing your luggage is a serious issue, especially when you are in a foreign country. If you have purchased medical insurance for OPT students and the luggage was properly checked, you will be reimbursed up to $1,000–and no deductible. If your travel visa is lost or stolen, you can be reimbursed up to $100 and no deductible. 

opt insurance cost

Health Insurance for OPT Students

Atlas Travel health insurance for opt students can enable you to be more relaxed while you study knowing that you are covered.

Purchase now

Best Health Insurance for OPT students

Although it is important to understand and choose the right plan for yourself, often the phase of selecting a plan can get overwhelming. Visitor Guard® provides you the help you need. Compare between the best medical insurance plans for opt students and choose the one that fits both your requirements and budget. 

To select a plan, make sure you have an understanding of the coverage and limitations of the opt student health insurance plans. Medical Insurance plans for OPT students do not provide coverage for the following:

  • Pre-existing conditions.
  • Coverage for maternity.
  • Dental care.
  • Vision care.
  • Preventative health care.
Medical Insurance plans for OPT students

Some of the best Medical Insurance plans for OPT students you can consider buying are:

Limited opt student health insurance plans

  1. Visitors Care Insurance.
  2. Safe Travels Elite.

Limited benefits opt student health insurance plans are perfect for you if you are on a budget.

Comprehensive opt student health insurance plans

  1. Safe Travels USA Comprehensive.
  2. Patriot America Plus.
  3. Patriot America.
  4. Atlas America.
  5. Patriot Platinum.

Comprehensive opt student health insurance is perfect for you if you need more coverage and are not restricted due to budget constraints.

Accidental Death and Dismemberment Coverage  

If a death is not due to the loss of a common carrier, there is a maximum of $250,000 for the entire family or group provided by the medical insurance for OPT students. There is no deductible. Other amounts are based on age:

Under Age 18:
  • Lifetime maximum – $5,000
  • Death – $5,000
  • Loss of 2 Limbs – $5,000
  • Loss of 1 Limb – $2,500
Ages 18 through 69
  • Maximum lifetime benefit – $25,000
  • Death – $25,000
  • Loss of 2 limbs – $25,000
  • Loss of 1 Limb – $12,500
Ages 70 through 74
  • Lifetime Maximum – $12,500
  • Death – $12,500
  • Loss of 2 Limbs – $12,500
  • Loss of 1 Limb – $6,250
 
Ages 75 and older
  • Lifetime Maximum – $6,250
  • Death – $6,250
  • Loss of 2 Limbs – $6,250
  • Loss of 1 Limb – $3,125
 

Optional Accidental Death and Dismemberment Rider 

This rider is only available to people who are age 18 through 69. The coverage provided by medical insurance for opt students is not subject to deductible or overall maximum limits. The coverage is as follows: 


Lifetime Maximum – $25,000
Death – $25,000
Loss of 2 Limbs – $25,000
Loss of 1 Limb – $12,500

Health Insurance for OPT Students - FAQ

  • OPT student health Insurance is calculated based on a few factors like age, a number of days coverage is needed, policy maximum, and deductible option you choose. It is a good practice to pay attention to the following when searching for health insurance plans for OPT students:
  • Age:  Insurance premium is directly linked to age. Your insurance premium will increase with age.
  • Policy Maximum: What is an ideal policy maximum to choose? It is very difficult to estimate how much is enough. Certainly, you want to look at the premium you are comfortable paying before choosing your policy maximum.
  • Provider Network: Provider networks will affect the convenience of seeking medical services. If the OPT student health insurance plan you opt for has a network it follows, staying in the network will help with direct billing and getting negotiated rates for medical services.

Many international students ask if F1 students on OPT are required to have health insurance for OPT students. The US Immigration authorities do not make student insurance mandatory if you are on an Optional Practical Training or OPT status. Healthcare costs in the US are significantly high. Given that OPT student health insurance is relatively cheaper for younger students, it is advised to buy good OPT student health insurance. When working on an OPT, if your employer provides you with health coverage you do not need to buy a separate plan. However, if employer-based health coverage is not available buying medical insurance for OPT students like the Atlas America plan can enable you to be more relaxed while in the US.

Healthcare costs in the US are very high and can cause a potentially serious financial risk to students. A medical emergency in terms of an illness or accident can arise at any time.

is a good idea to have coverage for illnesses and injuries as soon as you get your OPT status.  Purchase OPT student health insurance to live in the US stress-free.

OPT Student health insurance plans cost depend on the age, the number of days, policy maximum and deductible option one chooses. The older the OPT Student, the higher will be the premium. A higher policy maximum will increase the premium (monthly cost) of the policy. The longer the duration of OPT student health insurance required, the higher will be the cost of the OPT Health insurance.

The best health insurance for OPT students really will depend on the unique need of each international student. It will be difficult to pinpoint a single plan to be the best for OPT students. The factors to be considered while buying the OPT student health insurance are the monthly cost of the policy, how comprehensive the insurance is, if the insurance has a PPO network and if the insurance is renewable.

OPT stands for Optional Practical Training. International students in the US with the optional practical training status under an F1 visa are privileged to work for 12 months after completing their degree program to expand their skillset and practical knowledge. 

Students pursuing STEM educational degrees are provided this status. These students should purchase medical insurance plans for OPT students in order to avoid any unforeseen accidents that might take place in an unknown country.

More About Health Insurance for OPT Students

FAQ

If you have questions about Visitor insurance you have come to the right spot.

Explore More

Health Insurance for Foreigners in USA

Health insurance for foreigners and non-citizens in the USA. At Visitor Guard®, we provide.

Explore More

PPO Network Search

What is a Preferred Provider Organization (PPO) Network and how to search providers in.

Explore More
Hide

Error

Information

OK
Back to top