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Importance of Health Insurance for International Students in the USA

Importance of Health Insurance for International Students

Importance of Health Insurance for International Students

Studying in the USA is every student’s dream. The quality of education and experience of a life you get is at another level. Studying abroad comes with boons like making new friends, experiencing a different lifestyle, and many more. 

However, just like every other thing it also has drawbacks. When you travel leaving the home country, there are changes in the diet and climate which might lead to illness. And medical expenses in the USA will be pretty heavy on your pocket. Also, your current insurance plan won’t cover you. So what’s the option?

Opt for international student health insurance for the USA. we know, you are still wondering about its importance. Here in this article, you will read about the importance of health insurance for international students in the USA.

Importance of Health Insurance For International Students

For students currently studying in the USA or planning to go there for studies, there are two prime reasons:

1. Avoid Financial Challenges of Unexpected Medical Costs

Studying in the USA comes with high medical costs and international student health insurance will be a relief to that. You never know when you will meet an accident or what may make you ill, having insurance will help you cover those medical expenses hassle-free.

When you are in a foreign country for studies or traveling, unexpected medical costs will be financially challenging. And due to that, you won’t be able to enjoy your time over there. Hence, the international student health insurance will protect you from those costs and allow you to make life-long memories without any stress.

2. Have Immediate Access to Medical Care in Case of Emergencies

The international travel health insurance companies provide 24X7 assistance you help in locating the local doctor, clinic, or the hospital. In foreign countries, many doctors won’t take your case, if you don’t have insurance coverage. 

In case of emergencies, you can directly call the insurance provider and you will have the best and earliest possible service available for you. However, you must look at the plan coverage before buying the international student insurance for the USA.

Above were the two prime reasons that explained why you must go for international student insurance. We at Visitor GuardⓇ provide the insurance plan that will cover the most expenses including mental health, sports, medical attention, maternity, COVID expenses, and many more. Let’s have a look at the inclusions we have in our plans.

Before we move ahead, we would like to tell you that we have NINE different international student insurance plans with coverage varying from 12 months to up to 4 years.

Basic Insurance Coverages and Terms of Visitor Guard® Plans

Importance of Health Insurance for International Students in the USA

International Student Insurance Plan Range:

The plan’s maximum limit ranges from $50,000 to $500,000, $1 million, and $2 million per incident. The deductibles vary from as low as $0 to $150, $250, $500, $1000, and $5000. You will find detailed information about the same in the brochure of every plan. 

With the different ranges of international student insurance plans, you can select the one that is suitable and affordable for your stay. You can also get coverage of the family members traveling to meet you overseas.

International Student Insurance Coverage:

The Visitor Guard®’s student travel insurance has wide coverage in terms of healthcare. Many of the plans have covered mental health, sports activities, maternity (premium plans), terrorism, emergency medical evacuation, and even COVID-19 (in selected plans).

Plans like Student Secure, Patriot Exchange, Patriot America Plus, Study USA, etc. have COVID-19 coverage. Those plans treat COVID as any other illness and cover the medical, hospital, and all the costs incurred.

Maternity costs are covered by three premium plans namely: Student Health Advantage.

Along with this, every plan they offer has the for non-chronic acute onset of pre-existing conditions with considerable deductibles.


Studying in the USA is a thrilling experience, both in a good and bad sense. Being an international student is much more difficult than said, you have to deal with many things and explore many things as well. With all the hustle, you are bound to do a few things here and there. 

The important while in a foreign country for studies is focusing on that and staying financially stable. You take care of the former one, Visitor Guard® will help you on the latter one with its international student insurance plans for the USA. 

If you are still confused about which plan to go for, contact us and our expert will suggest you the best plan as per your requirement.

Chiranth Nataraj

Chiranth Nataraj

Travel Insurance Expert

Chiranth Nataraj is a licensed insurance agent and the principal at, an independent insurance agency that provides visitor insurance to customers across the United States and the world. With over 20 years of experience, Chiranth has been instrumental in educating the travel community, new immigrants, the international student community, and foreign governments about visitor medical insurance to cover medical expense risks. He has built a team that strives to make the preferred choice for travelers, exchange visitor organizations, and international universities. His insights and expertise have made him a popular industry voice, and he is often featured in USA Today, Forbes, Washington Post, and many more.


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