NRI

9 Best Travel Insurance Plans for Students in USA

So, you’re a student and looking for a good travel insurance plan? Here’s a guide for you.

The number of Indians traveling abroad to study is growing at a rapid pace, with most students preferring the US for higher education. In 2014-15, a whopping 281,160 Indian students enrolled in the top seven educational destinations in the world.

Of these students, a majority or 47% were enrolled in the US, 17% in Canada and 13% in Australia, with the rest being enrolled in places like the UK, China, New Zealand and Germany, according to data published by WENR.

Going abroad for higher studies does offer major advantages. It not only gives a student the chance to gain exposure to a totally different style of education, it also exposes them to a whole new culture, outlook and activities. It allows students to see the world and develop a new perspective on things and people.

But, do you know what else Indians studying abroad are exposed to? Unfortunately, they are also exposed to illnesses, accidents and financial uncertainties. The way to stay prepared for any challenge that a student might have to face in a foreign land is to arm yourself with a good travel insurance plan that is specifically meant for international students and their families coming to the US on a F1/J1/M1 student visa.

Here’s a look at my top 10 picks for travel insurance plans for students traveling outside India for higher education.

Related: Best travel insurance for visitors to USA

Best Travel Insurance for Students in USA

Here are the best travel insurance for students in USA. Let’s start with the first one.

1.GeoBlue Navigator

  • Plan Administrator: HTH
  • Underwriter: 4Ever Life Insurance Co.
  • AM Best Rating: A (Excellent)

Reasons to Buy: A comprehensive travel insurance plan, with unlimited policy maximum, that covers students inside and outside the US for a minimum of 3 months, including for preventive care. It doesn’t have any stringent eligibility conditions, although it offers typical coverage limits and exclusion of benefits that are common in most travel insurance plans.

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2. Collegiate Care Preferred

  • Plan Administrator: Trawick International
  • Underwriter: United States Fire Insurance Company
  • AM Best Rating: A (Excellent)

Reasons to Buy: A comprehensive plan designed to provide continuous medical, evacuation and repatriation coverage to international students who have entered the US on an F1/J1 visa, as well as their families. The plan provides coverage up to $500,000 per illness or injury.

3. Collegiate Care-Standard

  • Plan Administrator: Trawick International
  • Underwriter: United States Fire Insurance Company
  • AM Best Rating: A (Excellent)

Reasons to Buy: A standard plan that provides basic medical, evacuation and repatriation coverage for international students (F1/J1 visa holders). The plan also covers the family of the international student, studying or teaching in the USA. The plan provides $100,000 coverage per injury or illness.

4. Study USA Preferred 500

  • Plan Administrator: TIS
  • Carrier: HCCMIS
  • AM Best Rating: A (Excellent)

Reasons to Buy: This is the best option for students who are away from their home country and want medical coverage in the US. The plan meets J-visa requirements. It pays $500,000 per incidence of injury or illness.

5. Student Secure-Elite

  • Plan Administrator: HCC MIS
  • Underwriter: Lloyd’s of London
  • AM Best Rating: A(Excellent)

Reasons to buy: A great visitor’s medical insurance that provides medical coverage for international students in case of an illness or injury, as well as during an act of terrorism. However, it doesn’t offer family coverage. The plan is already popular for its thoughtful travel assistance services. The plan pays $500,000 per incident.

6. Student Health Advantage- Platinum

  • Plan Administrator: IMG
  • Underwriter: Sirius International
  • AM Best Rating: A (Excellent)

Reasons to Buy: An excellent plan for international students, scholars and faculty, as well as their families. It provides coverage of 5 years to students travelling to the US for long-term educational programs. The plan meets the requirements of the J1 visa. The plan covers for a pre-existing disease after a period of 12 months. The best part about this plan is that it provides benefits for mental health, maternity and organized sports.

7. Study USA Preferred 300

  • Plan Administrator: TIS
  • Underwriter: HCCMIS
  • AM Best Rating: A (Excellent)

Reasons to Buy: A decent travel insurance plan that offers medical coverage to international students in the US and their eligible dependents. The plan meets the J-visa requirements. The policy pays $300,000 per policy period and $300,000 per incident. It covers for a pre-existing medical condition after a waiting period of 6 months.

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8. Study USA Standard Plan

  • Plan Administrator: TIS
  • Underwriter: HCCMIS
  • AM Best Rating: A (Excellent)

Reasons to Buy: This is a good plan for international students and their eligible dependents, as well as US citizens travelling overseas. It pays $200,000 per policy period and $100,000 per incidence of injury or illness. The plan meets the J-visa requirements.

9. Student Health Advantage – Standard

  • Plan Administrator: IMG
  • Underwriter: Sirius International
  • AM Best Rating: A (Excellent)

Reasons to Buy: A great travel health insurance plan designed keeping in mind the needs and concerns of students, scholars and faculty, their families, and groups of two or more involved in long-term educational programs in a foreign land.

Offering long term medical coverage of 5 years, the plan provides coverage of $300,000 per incident for individuals and groups and $100,000 for their dependents.

The plan also provides mental health benefits, maternity and organized sports coverage, along with the coverage for pre-existing medical conditions, after a waiting period of 12 months.

All the above-mentioned travel insurance plans for international students in the US have their own PPO network, which covers the policyholder for treatment from the doctor or hospital within that network.

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About the author

Mani Karthik

In my pursuit of happiness, I share everything I've learned, on this blog. From productivity to spirituality and everything in between. I quit my cozy job in the USA to pursue my passion - blogging. Today, I make five times what my US job paid. More than the money, I love the freedom it gives me to make my own choices. Come join me. Start blogging! :) WhatsApp : +0014084894785

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Mani Karthik

Hi, I’m Mani Karthik.
Entrepreneur. Blogger. Mentor.
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