Which Miami university has the most international students?

Florida International University (FIU) enrolls approximately 9,200 international students — the most of any Miami-area university and one of the largest in Florida. University of Miami (UM) has about 5,800 international students. Nova Southeastern has 3,200. Together, Miami's universities host over 35,000 international students.

How does Miami's Latin American connection affect insurance?

Many Miami international students come from Latin America (Venezuela, Colombia, Brazil, Cuba, Argentina) or the Caribbean. Some Latin American private plans may be international in scope but typically don't meet US university waiver criteria (PPO network, $100K+ coverage, sub-$500 deductible). A dedicated US student plan from Tower Hill is still needed for most students.

What health risks are specific to Miami for students?

Miami's subtropical climate (hot and humid year-round) creates specific health considerations: heat exhaustion (summers regularly exceed 95°F with 90% humidity), mosquito-borne diseases (check CDC Zika, dengue advisories for Florida), hurricane season (June–November), and sun exposure/UV risk. All illness and injury scenarios are covered under international student plans.

Is healthcare more affordable in Miami than in Boston or NYC?

Yes, significantly. Miami's average ER visit ($2,900) is 40% cheaper than NYC's ($4,800). University health plans at FIU ($1,764) and Barry ($1,680) are among the lowest in Florida. A Tower Hill private plan in Miami costs $28–$42/month — a fraction of the cost while maintaining high coverage quality.

Does FIU allow health insurance waivers?

Yes. FIU allows waivers through the FIU Student Health Services portal. Requirements: $100,000+ in medical benefits per accident/illness, deductible under $500, US PPO network access, and mental health benefits. Deadline is typically within the first 4 weeks of each semester. Tower Hill's plan and waiver letter are accepted.

🌊Miami, Florida·35,000+ intl students

International Student Health Insurance in Miami

Miami has 35,000+ international students and the most affordable university health plans in Florida. Get private coverage from $28–$42/month.

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University Plans vs. Tower Hill — MiamiSave 75–85%

University	Intl Students	Univ Plan/yr	Tower Hill/yr
University of Miami	5,800	$2,760/year	$28–$42/month
Florida International University	9,200	$1,764/year	$28–$42/month
Barry University	1,800	$1,680/year	$28–$42/month
Nova Southeastern University	3,200	$2,040/year	$28–$42/month
St. Thomas University	600	$1,560/year	$28–$42/month
Typical Savings vs. University Plan			Up to 85% less

Why Miami International Students Need Private Insurance

Miami is one of the most internationally diverse cities in the US — 70% of Miami-Dade residents speak Spanish at home. FIU alone enrolls 9,200 international students, making it one of the largest international student populations at any Florida university. Miami's Latin American and Caribbean connections mean many students come from nearby countries.

35,000+

Total intl students

$2,900

Avg ER visit cost

$28–$42/month

Tower Hill plan/mo

Miami's Top Hospitals — In Your Network

UM students are in Coral Gables and South Miami. FIU students are in Sweetwater and Doral. Jackson Memorial and UHealth are in the Health District, accessible from all major campuses via Metrorail or Metrobus.

🏥Jackson Memorial Hospital (Level I Trauma)

🏥University of Miami Health System (UHealth)

🏥Baptist Hospital Miami

🏥Memorial Regional Hospital

🏥Nicklaus Children's Hospital

Average hospital stay in Miami: $2,700/day. With a US PPO plan, you pay only your deductible/copay — not the full billed rate.

How to Waive Your Miami University Health Plan

Get a quote & purchase

Choose a plan through Tower Hill. Takes 5 minutes online.

Request your waiver letter

Email us at support@towerhillcorp.com with your university name and waiver form. We respond within 1 business day.

Submit before the deadline

Upload your insurance certificate and waiver letter through your university's health portal. Deadlines are typically 2–4 weeks after enrollment.

Save $1,000–$3,000/year

Your university fee is reversed. You keep comprehensive coverage at a fraction of the cost.

Plans for International Students in Miami

All plans include US PPO network access and are accepted as health insurance waivers at Miami-area universities.

⭐ Top Pick for Miami International Students

Most University-Accepted

IMG Global

Student Health Advantage

~$35/month

Accepted as a health insurance waiver at 500+ US universities. US PPO network, mental health, preventive care, and prescription drugs.

✓F-1 & J-1 visa compliant

✓US PPO network

✓Mental health & counseling

✓Preventive care & vaccines

✓Prescription drug coverage

✓University waiver-ready

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Best Price-to-Coverage

WorldTrips

Atlas America Student

~$30/month

Strong US network, competitive pricing. Popular among students who want comprehensive coverage without paying top dollar.

✓US PPO network access

✓Emergency medical

✓Mental health benefits

✓Telemedicine included

✓Sports & activities covered

✓Semester or annual

Get a Quote →

Most Affordable

Trawick International

Safe Travels USA Student

~$25/month

Lowest-cost plan that meets most university waiver minimums. Ideal for budget-focused students needing compliance.

✓F-1 compliant

✓Emergency medical

✓Emergency evacuation

✓Repatriation of remains

✓Acute onset pre-existing

✓No deductible option

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Frequently Asked Questions

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Studying in Miami?

Get instant health insurance quotes for international students in Miami, Florida. University waiver letter provided.

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