Student Insurance

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International Student Medical Insurance Plans (Student F1/F2 Insurance)

Comprehensive Coverage Plans

Student Secure - Select Including USA

Plan Administrator: WorldTrips | 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 Residence)

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

  • Eligibility: A Full time Student & Non US Citizen  Age 31 days-64 years travelling USA to study
  • Coverage length: Min 3 months to 12 months
  • PPO Network (Within PP0 Network): Plan pays 90% , Insured pays 10%
  • Provider Network: PPO Providers are contracted separately through United health care
  • Renew Online: Insurance plan to be renewed a minimum of five (5) days until reaching a maximum of sixty (60) continuous months
  • ID card & Visa Letter comes in email instantly.

Student Health Advantage Platinum - INTERNATIONAL

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

  • Eligibility: A Full time Student & Non US Citizen  Age 31 days-64 years travelling USA to study
  • Coverage length: Min 3 months to 12 months
  • PPO Network (Within PP0 Network): Plan pays 100% , Insured pays 0%
  • Provider Network: No PPO Network
  • Renew Online: Insurance plan to be renewed a minimum of five (5) days until reaching a maximum of sixty (60) continuous months
  • 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.

Student Secure - Smart Including USA

Plan Administrator: WorldTrips | 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: WorldTrips | 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: WorldTrips | 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: WorldTrips | 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: WorldTrips | 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 - INTERNATIONAL

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

  • Eligibility: A Full time Student & Non US Citizen  Age 31 days-64 years travelling USA to study
  • Coverage length: Min 3 months to 12 months
  • PPO Network (Within PP0 Network): Plan pays 100% , Insured pays 0%
  • Provider Network: No PPO Network
  • Renew Online: Insurance plan to be renewed a minimum of five (5) days until reaching a maximum of sixty (60) continuous months
  • ID card & Visa Letter comes in email instantly.

Student Health Advantage (Excluding Residence)

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

  • Eligibility: A Full time Student & Non US Citizen  Age 31 days-64 years travelling USA to study
  • Coverage length: Min 3 months to 12 months
  • PPO Network (Within PP0 Network): Plan pays 90% , Insured pays 10%
  • Provider Network: United Healthcare Network
  • Renew Online: Insurance plan to be renewed a minimum of five (5) days until reaching a maximum of sixty (60) continuous months
  • ID card & Visa Letter comes in email instantly.

Patriot Exchange Program - Excluding Residence

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

  • Eligibility: Non-US citizens age 31 days to 64years residing outside their primary Country of Residence
  • Coverage length: Minimum 1 month to maximum 48 months for non-US citizens.
  • Provider Network: United health care provider network
  • Renew Online: Coverage may be renewed (without break in coverage) for a total of up to 48 months.
  • Pre-existing condition: Period of Coverage Limit (after 12 months): $500; Maximum Limit: $1,500
  • ID card & Visa Letter comes in email instantly.

International Students AND Scholars Evac/Repat Only

  • Annual Emergency Medical Evacuation and Repatriation of Remains only plan
  • Emergency Medical Evacuation and Repatriation $50,000 or $100,000
  • Repatriation of Remains or Burial $50,000
  • Emergency Travel Expenses (Reunion) Up to $2,500 when in hospital for more than 3 days
  • Return Home due to Family Member Death or Illness $2,500
  • 24-hour Nurse Help Line Included
  • This plan is not refundable.

Student Secure - Elite Including USA

Plan Administrator: WorldTrips | 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: WorldTrips | 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 - International

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

  • Eligibility: Non-US citizens age 31 days to 64years residing outside their primary Country of Residence and USA
  • Coverage length: Minimum 1 month to maximum 48 months for non-US citizens.
  • Provider Network: United health care provider network
  • Renew Online: Coverage may be renewed (without break in coverage) for a total of up to 48 months.
  • Pre-existing condition: Period of Coverage Limit (after 12 months): $500; Maximum Limit: $1,500
  • 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.

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