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International student insurance provides coverage if you were to unexpectedly get sick or injured while studying in a foreign country.
International student insurance may be comprised of various benefits, some of these standard benefits may include:
International student insurance will normally cover new medical conditions, accidents or injuries that occur after the effective date of the policy. Some student insurance policies might cover maternity as long as the person is not pregnant before the effective date of the policy. As the healthcare expenses are very high in the U.S., most schools require international students to purchase medical insurance with a sufficient policy maximum.
Most international student insurance plans participate in a PPO network which has many participating providers (doctors, hospitals, labs etc.) all over the U.S. that bill the insurance company directly and also charge you only the network negotiated fees which are discounted compared to their regular charges.
Learn MoreIf you have to return to your home country urgently due to covered reasons, such as destruction of your home, by fire or flood, or the death of a parent; trip interruption coverage in international student insurance will help you pay for the additional expenses to make necessary arrangements to travel home.
If you were to become seriously sick or injured in a remote location while studying abroad, emergency medical evacuation coverage would provide you transportation to the nearest medical facility where adequate care can be given. After you have become stable enough to travel, it may also arrange for you to return to your home country.
In the unfortunate event that you passed away while studying abroad, return of mortal remains would pay for transportation of your bodily remains or ashes to your home country.
Learn MoreInternational students may bring a lot of luggage while studying outside their home country. If the airline were to permanently lose your checked luggage, this benefit would help pay for the essentials that would be immediately necessary upon your arrival to the destination.
AD&D coverage would provide a lump sum amount to you or your family if you were to become dismembered or passed away in an accident. Some international student plans may provide such coverage only while traveling in a common carrier, such as a plane, bus, or train.
Learn MoreHealthcare expenses are very high in the United States.
Don't get caught without international student insurance, get free quotes today!
Depending on what is most important for you to have covered, there may be a plan better tailored to your needs:
If you are a research scholar or an exchange visitor at an educational institution on a J visa, the U.S. Department of State requires you to have insurance that meets their minimum requirements. These insurance plans are low cost and designed exactly to meet the J Visa requirements issued by the State Department. Insurance plans are available for J1 visa holder only, J2 visa holder only, or for both.
Most international students studying in the U.S. on an F visa have to purchase medical insurance that meets the minimum requirements of their schools. However, international students studying outside the U.S. often don't have any such requirements. Therefore, there are additional study abroad insurance plans that may be more suitable.
If you are planning to travel to Europe, you would most likely need a Schengen visa, which requires a compliant medical insurance plan that includes emergency medical evacuation and repatriation of remains. Even if you already have medical insurance through your school, it will not meet the Schengen visa insurance requirements. You can make an instant purchase and immediately print the visa letter to present it to Schengen country consulate.
Our insurance guide makes it very easy to navigate the complexities of international student insurance.
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