Health Insurance for International Students in the USA
F-1, J-1, and student visa holders: your home country coverage is invalid in the US. Get a plan your university accepts from $25/month.
Licensed TX Agency #2608479TX — Tower Hill Corp
Who This Guide Is For
International students on F-1, J-1, M-1, and other student visas studying at US universities and colleges
University Insurance Requirements
US universities typically require international students to maintain health insurance with at least $100,000 in medical coverage, $25,000 in repatriation coverage, $50,000 in medical evacuation, and a deductible under $500. Our plans meet all these requirements and are accepted as waivers at hundreds of universities.
Why Your Current Coverage Falls Short
US healthcare is the most expensive in the world. A single ER visit costs $3,000–$10,000. A hospital stay can exceed $50,000. Without a US-network plan, you pay out-of-pocket at full billed rates — which is far more than your insured rate.
Compare Student Insurance Plans
Student Health Advantage
IMG Global
Designed specifically for international students in the USA — accepted as a health insurance waiver at hundreds of US universities.
- PPO network access (US doctors & hospitals)
- Mental health & counseling
- Prescription drug coverage
- Preventive care & immunizations
- University waiver-approved
- J-1 & F-1 visa compliant
Atlas America Student
WorldTrips
Competitive pricing with strong US hospital network access — a favorite among F-1 students.
- Access to US PPO network
- Emergency medical coverage
- Telemedicine included
- Mental health benefits
- Sports & recreational activities
- Annual or semester enrollment
Safe Travels USA Student
Trawick International
Most affordable option that still meets the minimum coverage requirements for most US universities.
- Emergency medical & hospitalization
- Emergency evacuation
- Repatriation of remains
- Acute onset pre-existing conditions
- Sports coverage
- No deductible option available
How to Get Covered in 4 Steps
- 1Get an instant quoteEnter your travel dates, age, and country of origin or destination. Takes about 60 seconds.
- 2Select your planChoose from IMG Student Health Advantage, WorldTrips Atlas, or Trawick Safe Travels. All three meet standard university requirements.
- 3Download your certificateYour insurance ID card and policy certificate are emailed immediately. Submit to your university's health office for a waiver if needed.
- 4Travel with confidenceYour coverage is active from your start date. Keep your insurance card with your travel documents — and our claims number handy.