Health Insurance for F-1 Visa Students
F-1 students must have US health insurance. Your home country plan is not valid here. Get university-compliant coverage from $25/month.
Licensed TX Agency #2608479TX — Tower Hill Corp
Who This Guide Is For
Students currently enrolled in US universities and colleges on an F-1 student visa
University Insurance Requirements
US universities with F-1 students typically require: minimum $100,000 in medical benefits, deductible no higher than $500, repatriation coverage of at least $25,000, and medical evacuation of at least $50,000. You may also need a policy that renews without a gap in coverage across your full program duration.
Why Your Current Coverage Falls Short
F-1 students who use the university-provided plan often pay $1,500–$3,000/year. Private international student plans from $300–$500/year offer comparable coverage — sometimes better — at a fraction of the cost. A waiver letter from Tower Hill is accepted at most schools.
Compare Student Insurance Plans
Student Health Advantage
IMG Global
Meets all F-1 visa insurance requirements and accepted as a health insurance waiver at most US universities.
- F-1 visa compliant
- US PPO network included
- Mental health & substance abuse
- Prescription drug coverage
- Preventive care included
- University waiver-ready
Safe Travels USA Student
Trawick International
Meets SEVIS/F-1 minimum requirements at the lowest price point — ideal for budget-conscious students.
- F-1 compliant coverage
- Emergency medical treatment
- Emergency evacuation
- Repatriation of remains
- Acute onset pre-existing
- Flexible deductible options
Atlas America Student
WorldTrips
Strong US network access with higher medical limits than the typical university plan — great peace of mind.
- US hospital & PPO network
- Mental health covered
- Telemedicine included
- F-1 & J-1 visa compatible
- Semester or annual enrollment
- 24/7 global assistance
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.