Student Insurance

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Student F1/F2 Insurance Plans

Comprehensive Coverage Plans

Student Secure - Select Including USA

Plan Administrator: Tokio Marine HCC - Medical Insurance Services Group | AM Best Rating: A "Excellent" | Underwriter: Lloyd's

  • Eligibility: US students Age up to 65 studying outside their home country.
  • Coverage length: Minimum 1 month to maximum 1 year.
  • Provider Network: Direct Billing through First Health Network
    In PPO network (USA): We will pay 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum limit.
    In PPO network (Outside USA): 100% to the certificate period maximum.
  • Renew Online: You may renew your coverage as long as you continue to meet the eligibility requirements.
  • ID card & Visa Letter comes in email instantly.

Student Health Advantage Platinum - Excluding USA

Plan Administrator:  International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius Group, Sirius Specialty Insurance Corporation

  • PPO Network (Within PP0 Network): Plan pays 100% , Insured pays 0%
  • Eligibility: A Full time Student & Non US Citizen  Age 14-64 travelling USA to study
  • Coverage length: Min 3 months to 12 months
  • Provider Network: PPO Providers are contracted separately through First Health Group Corp
  • Renew Online: Provided there is no break in coverage, the plan may be renewed for up to five years
  • ID card & Visa Letter comes in email instantly.

Student Health Advantage Platinum - Including USA

Plan Administrator:  International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius Group, Sirius Specialty Insurance Corporation

  • PPO Network (Within PP0 Network): Plan pays 100% , Insured pays 0%
  • Eligibility: A Full time Student & Non US Citizen  Age 14-64 travelling USA to study
  • Coverage length: Min 3 months to 12 months
  • Provider Network: PPO Providers are contracted separately through First Health Group Corp
  • Renew Online: Provided there is no break in coverage, the plan may be renewed for up to five years
  • ID card & Visa Letter comes in email instantly.

Study USA-HealthCare - STANDARD

Plan Administrator: USI Affinity Travel Insurance Services | AM Best Rating: A+ "Superior" | Underwriter: Lloyd's of London

  • Eligibility: Non US Citizen Age 14-64 travelling to USA.
  • Coverage length: Min 5 days to 364 days.
  • Coinsurance:Claims Incurred in the U.S.
  • In-Network Payment:Within the PPO: We will pay 80% of eligible expenses, after the deductible, up to the overall maximum limit
  • Out-Of-Network Payment:Outside the PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
  • Renew Online: Any extension or renewal is based upon the eligibility rules in force at the time of renewal and is solely at the  discretion of Underwriter.
  • ID card & Visa Letter comes in email instantly.

Collegiate Care Preferred

Plan Administrator: Trawick International | AM Best Rating: A "Excellent" | Underwriter: GBG Insurance Limited

  • Eligibility: Non US Citizen Student age 12 to 65 studying in USA.
  • Coverage Effective Date: The Effective Date of this Policy is the later of the following: 1. the date the Company receives a completed Application and correct premium for the Period of Insurance, or 2. the date requested on the Application, or 3. the day after applying online.
  • Coverage End Date: Your coverage ends on the earliest of the following: 1. the date you cease to be eligible for coverage; or 2. the end of your term of coverage; or 3. the date requested on your application; or 4. the last day for which premium has been paid; 5. The date you no longer are affiliated with a school; 6. The date you return home; 7. After 364 consecutive covered days.
  • Renew - Renew online, by phone, by email, by fax.
  • ID card & Visa Letter comes in email instantly.

Collegiate Care Standard

Plan Administrator: Trawick International | AM Best Rating: A "Excellent" | Underwriter: GBG Insurance Limited

  • Eligibility: Non US Citizen Student age 12 to 65 studying in USA.
  • Coverage Length: Minimum 1 month and Maximum up to 1 year.
  • Coverage Effective Date: The Effective Date of this Policy is the later of the following: 1. the date the Company receives a completed Application and correct premium for the Period of Insurance, or 2. the date requested on the Application, or 3. the day after applying online,Renew- Renew online, by phone, by email, by fax.
  • Coverage End Date: Your coverage ends on the earliest of the following: 1. the date you cease to be eligible for coverage; or 2. the end of your term of coverage; or 3. the date requested on your application; or 4. the last day for which premium has been paid; 5. The date you no longer are affiliated with a school; 6. The date you return home; 7. After 364 consecutive covered days.
  • Renew - Renew online, by phone, by email, by fax.
  • ID card & Visa Letter comes in email instantly.

Student Secure - Smart Including USA

Plan Administrator: Tokio Marine HCC - Medical Insurance Services Group | AM Best Rating: A "Excellent" | Underwriter: Lloyd's

  • Eligibility: Non US students Age up to 65 studying outside their home country.
  • Coverage length: Minimum 1 month to maximum 1 year.
  • In PPO network (USA): ): We will pay 80% of eligible expenses after the deductible up to the overall maximum limit
  • In PPO network (Outside USA): 100% to the certificate period maximum.
  • Provider Network: Direct Billing through First Health Network
  • Renew Online: You may renew your coverage as long as you continue to meet the eligibility requirements.
  • ID card & Visa Letter comes in email instantly.

Student Secure - Smart Excluding USA

Plan Administrator: Tokio Marine HCC - Medical Insurance Services Group | AM Best Rating: A "Excellent" | Underwriter: Lloyd's

  • Eligibility: US students Age up to 65 studying outside their home country.
  • Coverage length: Minimum 1 month to maximum 1 year.
  • Provider Network: Direct Billing through First Health Network
    In PPO network (USA): ): We will pay 80% of eligible expenses after the deductible up to the overall maximum limit
    In PPO network (Outside USA): 100% to the certificate period maximum.
  • Renew Online: You may renew your coverage as long as you continue to meet the eligibility requirements.
  • ID card & Visa Letter comes in email instantly.

Study USA-HealthCare - PREFERRED

Plan Administrator: USI Affinity Travel Insurance Services | AM Best Rating: A+ "Superior" | Underwriter: Lloyd's of London

  • Eligibility: Non US Citizen Age 14-64 travelling to USA.
  • Coverage length: Min 5 days to 364 days.
  • Coinsurance:Claims Incurred in the U.S.
  • In-Network Payment:Within the PPO: We will pay 80% of eligible expenses, after the deductible, up to the overall maximum limit
  • Out-Of-Network Payment:Outside the PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
  • Renew Online: Any extension or renewal is based upon the eligibility rules in force at the time of renewal and is solely at the  discretion of Underwriter.
  • ID card & Visa Letter comes in email instantly.

Student Secure - Select Excluding USA

Plan Administrator: Tokio Marine HCC - Medical Insurance Services Group | AM Best Rating: A "Excellent" | Underwriter: Lloyd's

  • Eligibility: US students Age up to 65 studying outside their home country.
  • Coverage length: Minimum 1 month to maximum 1 year.
  • Provider Network: Direct Billing through First Health Network
    In PPO network (USA): We will pay 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum limit.
    In PPO network (Outside USA): 100% to the certificate period maximum.
  • Renew Online: You may renew your coverage as long as you continue to meet the eligibility requirements.
  • ID card & Visa Letter comes in email instantly.

Student Secure - Budget Including USA

Plan Administrator: Tokio Marine HCC - Medical Insurance Services Group | AM Best Rating: A "Excellent" | Underwriter: Lloyd's

  • Eligibility: US students Age up to 65 studying outside their home country.
  • Coverage length: Minimum 1 month to maximum 1 year.
  • In PPO network (USA): We will pay 80% of the next $25,000 of eligible expenses after the deductible, then 100% to the overall maximum limit
  • In PPO network (Outside USA): 100% to the certificate period maximum.
  • Provider Network: Direct Billing through First Health Network
  • Renew Online: You may renew your coverage as long as you continue to meet the eligibility requirements.
  • ID card & Visa Letter comes in email instantly.

Student Secure - Budget Excluding USA

Plan Administrator: Tokio Marine HCC - Medical Insurance Services Group | AM Best Rating: A "Excellent" | Underwriter: Lloyd's

  • Eligibility: US students Age up to 65 studying outside their home country.
  • Coverage length: Minimum 1 month to maximum 1 year.
  • Provider Network: Direct Billing through First Health Network
    In PPO network (USA): We will pay 80% of the next $25,000 of eligible expenses after the deductible, then 100% to the overall maximum limit
    In PPO network (Outside USA): 100% to the certificate period maximum.
  • Renew Online: You may renew your coverage as long as you continue to meet the eligibility requirements.
  • ID card & Visa Letter comes in email instantly.

Student Health Advantage - Including USA

Plan Administrator:  International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius Group, Sirius Specialty Insurance Corporation

  • PPO Network (Within USA or Canada): 80% of Eligible Expenses after the Deductible up to $5,000, then 100% up to policy max.
  • Eligibility:  A Full time Student & Non US Citizen  Age 14-64 travelling USA to study
  • Coverage length: Min 3 months to 12 months
  • Provider Network: PPO Providers are contracted separately through First Health Group Corp
  • Renew Online: Provided there is no break in coverage, the plan may be renewed for up to five years
  • ID card & Visa Letter comes in email instantly.

Student Health Advantage - Excluding USA

Plan Administrator:  International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius Group, Sirius Specialty Insurance Corporation

  • PPO Network (Within USA or Canada): 80% of Eligible Expenses after the Deductible up to $5,000, then 100% up to policy max.
  • Eligibility: A Full time Student & Non US Citizen Age 14-64 travelling USA to study
  • Coverage length: Min 3 months to 12 months
  • Provider Network: PPO Providers are contracted separately through First Health Group Corp
  • Renew Online: Provided there is no break in coverage, the plan may be renewed for up to five years
  • ID card & Visa Letter comes in email instantly.

Patriot Exchange Program - Basic

Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius Group, Sirius Specialty Insurance Corporation

  • Eligibility: US citizens age 14-64 traveling worldwide excluding USA.
  • Coverage length: Minimum 1 month to maximum 48 months for US citizens.
  • Provider Network: All PPO Providers are contracted separately through First Health Group Corp.
  • Renew Online: Coverage may be renewed (without break in coverage) for a total of up to 48 months.
  • The Standard Short-Term Travel Plan is designed to meet the U.S. visa travel insurance requirements for a student studying abroad or a participant of a cultural exchange program, including J1 and J2 visa holders.
  • ID card & Visa Letter comes in email instantly.

Collegiate Care Silver

Plan Administrator: Trawick International | AM Best Rating: A "Excellent" | Underwriter: GBG Insurance Limited

  • Eligibility: Non US Citizen Student age 12 to 64 studying in USA.
  • Coverage: Minimum 1 month and Maximum up to 1 year.
  • Treatment must begin no later than 30 days after the onset to be covered
  • Renew: Renew online, by phone, by email, by fax.
  • ID card & Visa Letter comes in email instantly.

Collegiate Care Gold

Plan Administrator: Trawick International | AM Best Rating: A "Excellent" | Underwriter: GBG Insurance Limited

  • Eligibility: Non US Citizen Student age 12 to 64 studying in USA.
  • Coverage: Minimum 1 month and Maximum up to 1 year.
  • Treatment must begin no later than 30 days after the onset to be covered
  • Renew- Renew online, by phone, by email, by fax.
  • ID card & Visa Letter comes in email instantly.

Patriot Exchange Program - Basic

Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius Group, Sirius Specialty Insurance Corporation

  • Eligibility: Non-US citizens age 14-64 traveling outside their home country.
  • Coverage length: Minimum 1 month to maximum 48 months for non-US citizens.
  • Provider Network: All PPO Providers are contracted separately through First Health Group Corp.
  • Renew Online: Coverage may be renewed (without break in coverage) for a total of up to 48 months.
  • The Standard Short-Term Travel Plan is designed to meet the U.S. visa travel insurance requirements for a student studying abroad or a participant of a cultural exchange program, including J1 and J2 visa holders.
  • ID card & Visa Letter comes in email instantly.

International Students AND Scholars Evac/Repat Only

International Students AND Scholars Evac/Repat Only

Student Secure - Elite Including USA

Plan Administrator: Tokio Marine HCC - Medical Insurance Services Group | AM Best Rating: A "Excellent" | Underwriter: Lloyd's

  • In PPO network (USA): Underwriters will pay 100% of the eligible expenses after deductible
  • In PPO network (Outside USA): 100% to the certificate period maximum.
  • Eligibility: US students Age up to 65 studying outside their home country.
  • Provider Network: Direct Billing through First Health Network
  • Coverage length: Minimum 1 month to maximum 1 year.
  • Renew Online: You may renew your coverage as long as you continue to meet the eligibility requirements.
  • ID card & Visa Letter comes in email instantly.

Student Secure - Elite Excluding USA

Plan Administrator: Tokio Marine HCC - Medical Insurance Services Group | AM Best Rating: A "Excellent" | Underwriter: Lloyd's

  • In PPO network (USA): Underwriters will pay 100% of the eligible expenses after deductible
  • In PPO network (Outside USA): 100% to the certificate period maximum.
  • Eligibility: US students Age up to 65 studying outside their home country.
  • Provider Network: Direct Billing through First Health Network
  • Coverage length: Minimum 1 month to maximum 1 year.
  • Renew Online: You may renew your coverage as long as you continue to meet the eligibility requirements.
  • ID card & Visa Letter comes in email instantly.

Study USA-HealthCare - PLATINUM

Plan Administrator: USI Affinity Travel Insurance Services | AM Best Rating: A+ "Superior" | Underwriter: Lloyd's of London

  • Eligibility: Non US Citizen Age 14-64 travelling to USA.
  • Coverage length: Min 5 days to 364 days.
  • Coinsurance:Claims Incurred in the U.S.
  • In-Network Payment:Within the PPO: We will pay 80% of eligible expenses, after the deductible, up to the overall maximum limit
  • Out-Of-Network Payment:Outside the PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
  • Renew Online: Any extension or renewal is based upon the eligibility rules in force at the time of renewal and is solely at the  discretion of Underwriter.
  • ID card & Visa Letter comes in email instantly.

Patriot Exchange Program - Basic With Addon

Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius Group, Sirius Specialty Insurance Corporation

  • Eligibility: US citizens age 14-64 traveling worldwide excluding USA.
  • Coverage length: Minimum 1 month to maximum 48 months for US citizens.
  • Provider Network: All PPO Providers are contracted separately through First Health Group Corp.
  • Renew Online: Coverage may be renewed (without break in coverage) for a total of up to 48 months.
  • The Standard Short-Term Travel Plan is designed to meet the U.S. visa travel insurance requirements for a student studying abroad or a participant of a cultural exchange program, including J1 and J2 visa holders.
  • ID card & Visa Letter comes in email instantly.

Patriot Exchange Program - Basic With Addon

Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius Group, Sirius Specialty Insurance Corporation

  • Eligibility: Non-US citizens age 14-64 traveling outside their home country.
  • Coverage length: Minimum 1 month to maximum 48 months for non-US citizens.
  • Provider Network: All PPO Providers are contracted separately through First Health Group Corp.
  • Renew Online: Coverage may be renewed (without break in coverage) for a total of up to 48 months.
  • The Standard Short-Term Travel Plan is designed to meet the U.S. visa travel insurance requirements for a student studying abroad or a participant of a cultural exchange program, including J1 and J2 visa holders.
  • ID card & Visa Letter comes in email instantly.

Study USA-HealthCare - BASIC

Plan Administrator: USI Affinity Travel Insurance Services | AM Best Rating: A+ "Superior" | Underwriter: Lloyd's of London

  • Eligibility: Non US Citizen Age 14-64 travelling to USA.
  • Coverage length: Min 5 days to 364 days.
  • Coinsurance:Claims Incurred in the U.S.
  • In-Network Payment:Within the PPO: We will pay 80% of eligible expenses, after the deductible, up to the overall maximum limit
  • Out-Of-Network Payment:Outside the PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
  • Renew Online: Any extension or renewal is based upon the eligibility rules in force at the time of renewal and is solely at the  discretion of Underwriter.
  • ID card & Visa Letter comes in email instantly.

Collegiate Care Essential

Plan Administrator: Trawick International | AM Best Rating: A "Excellent" | Underwriter: GBG Insurance Limited

  • Eligibility: A registered full time undergraduate or a graduate student attending classes who is a minimum age of 12 years and maximum of 64 years
  • Coverage length: Worldwide Basis and Home Country
  • Renew Online:Collegiate Care policies will still be able to extend coverage up to a total of 365 days. Once they reach 365 days no extensions will be allowed.
  • Pre-Existing Conditions: Lifetime Maximum: $20,000 (Covered after 6 months for student only, dependents 24 months): 80% of the Preferred Allowance
  • ID Card & Visa Letter comes in email instantly
  • PPO Network: United Healthcare PPO Network

Collegiate Care Elite

Plan Administrator: Trawick International | AM Best Rating: A "Excellent" | Underwriter: GBG Insurance Limited

  • Eligibility: A registered full time undergraduate or a graduate student attending classes who is a minimum age of 16 years and maximum of 40 years.
  • Coverage length: Worldwide Basis and Home country
  • Renew Online:Collegiate Care policies will still be able to extend coverage up to a total of 365 days. Once they reach 365 days no extensions will be allowed.
  • Pre-Existing Conditions: Pre-Existing Conditions are covered after a 6 months Waiting Period.
  • PPO Network: United Healthcare PPO Network
  • ID Card & Visa Letter comes in email instantly.

Collegiate Care Enhanced

Plan Administrator: Trawick International | AM Best Rating: A "Excellent" | Underwriter: GBG Insurance Limited

  • Eligibility: A registered full time undergraduate or a graduate student attending classes who is a minimum age of 12 years and maximum of 64 years.
  • Coverage length: United States, Excluding Home Country
  • Renew Online:Collegiate Care policies will still be able to extend coverage up to a total of 365 days. Once they reach 365 days no extensions will be allowed.
  • Pre-Existing Conditions (Covered after 6 months for student only, dependents 24 months): 80% of the Preferred Allowance
  • PPO Network: United Healthcare PPO Network
  • ID Card & Visa Letter comes in email instantly.

Collegiate Care Exclusive

Plan Administrator: Trawick International | AM Best Rating: A "Excellent" | Underwriter: GBG Insurance Limited

  • Eligibility: A registered full time undergraduate or a graduate student attending classes who is a minimum age of 16 years and maximum of 40 years.
  • Coverage length: Worldwide Basis Excluding Home Country
  • Renew Online:Collegiate Care policies will still be able to extend coverage up to a total of 365 days. Once they reach 365 days no extensions will be allowed.
  • Pre-Existing Conditions (Covered after 6 months for student only, dependents 24 months): 80% of the Preferred Allowance
  • PPO Network: United Healthcare PPO Network
  • ID Card & Visa Letter comes in email instantly.

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