Are you searching for international student health insurance or reviews for health insurance for international students?
If you are about to head overseas to study, it is both an exciting and scary time. With so many new adventures on the horizon, you want to make sure that you will be taken care of in the case of an emergency.
Though it is undesirable to contemplate the worst-case scenario, it is always better to be prepared in an emergency. In particular, medical emergencies. Not only does it make good sense, but it is required for the protection of all parties involved. For all non-U.S. residents attending school in the U.S., it is mandatory that they have international student insurance, and they may not register for classes without it.
Many universities offer standard plans that you can opt into, but those plans sometimes have inadequate coverage and high premiums. Looking into individual insurance plans is a better option. You can shop around and tailor your plan to both your needs and your budget. Choosing your own provider is fine with universities as long as the plan meets the school’s minimum requirements for coverage.
Some universities don’t offer plans at all and students attending those institutions must purchase international student insurance on their own.
While it is required that students have health insurance, the requirements from school to school can vary. So, when you are deciding on a plan, you should make sure that it includes not only medical coverage for students but also emergency medical evacuation and repatriation of remains. Emergency evacuation covers the cost to transport you should you fall injured or ill and the local authorities do not have the capacity to give you proper care. The repatriation of remains, or the return of mortal remains, will cover the cost, planning, and logistics of returning your remains to your family should the absolute worst happen.
The only thing that’s left is to make your choice, and we’ve made that easy for you by rounding up the top 10 best international student health insurance companies.
Top 10 Best International Student Health Insurance Companies
1. Compass Student Insurance
Compass Student Insurance has been in the business of serving students for more than 10 years. Understanding that health insurance can be expensive, this provider allows cost-sharing, and they can get you the coverage you need without excessive internal limits. Compass Student Insurance makes it easy for you to find a medical provider by partnering with UnitedHealthcare. This partnership gives you access to a top-performing preferred provider organization (PPO). Added benefits include waived deductibles and copays at Student Health Centers, and all plans meet the requirements of an American visa.
Compass Student Insurance
214 Carnegie Center, Suite 108
Princeton, NJ 08540
Phone: (781) 356-1999
2. PGH Global
PGHstudent offers plans catered specifically to international students—both students studying internationally and those coming to America to study. With a PGHstudent plan, you will have easy access to critical health information in a timely manner, and a NurseLine is available 24/7. Their plans also include travel aid (including medical evacuation and repatriation) and dental and vision plans offered at a reduced rate. All of their plans are competitively priced, and you can purchase 3 months to a max of 12 months at a time. PGHstudent plans meet all American visa requirements and most institutional requirements (requirements vary by school).
67 W Court Street
Doylestown, PA 18901
Phone: (267) 406-4190
3. International Student Insurance
International Student Insurance provides comprehensive coverage for students with four plan levels to choose from. International Student Insurance plans are comprehensive, covering a wide array of needs.
As the company’s name suggests, the packages are developed specifically to provide health insurance for global students. International Student Insurance also focuses on remaining affordable for every budget. International Student Insurance designs coverage options to be a one-stop shop for international student health and travel insurance plans online. Along with premier health insurance plans, the provider also offers free school resources, trip cancellation, and dental insurance options.
International Student Insurance
224 First Street
Neptune Beach, FL 32266
Phone: (877) 758-4391
4. ISO Insurance
The staff at ISO are former international students, and with that perspective, they aim to always offer students from abroad valuable, yet affordable plans. Since management has “insider knowledge” of what international students need, ISO Insurance develops unique plans with comprehensive coverage at competitive prices. With their diverse backgrounds as former students, they offer services in more than five languages, including English, Korean, Chinese, Hindi, and Spanish.
150 West 30th Street, Suite 1101
New York, NY 10001
Phone: (800) 244-1180
5. Insurance For Students
Insurance For Students has been providing coverage to students who come to study in the United States for over 35 years. The company has a long-standing reputation for developing comprehensive and affordably priced plans that include accident and health insurance. Insurance For Students has been in the field for a long time, and that can be accredited to their dedication to the details and to offering practical coverage.
Insurance For Students
1690 S Congress Avenue, Suite 101
Delray Beach, FL 33445
Phone: (561) 300-5677
Insubuy covers international students who choose to study in the United States. Insubuy offers plans directly on its website from multiple companies, and policies can be purchased instantly. As soon as the transaction is processed, you will receive the necessary documentation. Insubuy is part of the preferred provider organization network, so the plans on offer are widely accepted throughout the United States by doctors, hospitals, and other care providers, and they meet the standards of most American universities.
4200 Mapleshade Lane #200
Plano, TX 75093
Phone: (972) 985-4400
GeoBlue offers plans for students coming to the U.S. for education and those headed abroad. For international students, plans are available and accepted by over 90% of physicians and hospitals in the United States. GeoBlue makes sure you’re connected to the services and providers you need. For American students abroad, GeoBlue has a network of thousands of healthcare providers who are Western-trained and speak English. You can rest assured that you’ll have access to the help you need in 190 countries. The company’s tools and services are available 24/7, no matter when an issue arises.
933 First Avenue
King of Prussia, PA 19406
Phone: (610) 254-8771
LewerMark has been serving the health insurance needs of students and institutions alike since 1991. They offer a range of services, including individual student plans and group plans administered through the institutions. This provider processes everything from enrollments to claims and student services in-house so that clients can expect a single point of contact for all of their needs. LewerMark offers customized enrollment dates, ensuring you have coverage exactly when you need it. The insurer also provides scholarship contests in two categories; one for international students, and the other for American students studying abroad.
4534 Wornall Road #102
Kansas City, MO 64111
Phone: (800) 821-7710
IMG has been around for 25 years. They offer health insurance and travel insurance plans for international students and American students studying out of the country. They are a global company providing quality care wherever your studies take you. International students studying in America have access to an extensive PPO network, and IMG’s in-house staff can serve you in 18 languages. All of their international student plans meet American visa requirements.
2960 North Meridian Street
Indianapolis, IN 46208-4715
Phone: (317) 655-4500
10. International Travel Insurance Group
International Travel Insurance Group offers students travel medical and global health insurance plans. Having plans that are both comprehensive and affordable is what sets them apart. Plus, all of their products and services can be purchased online. With International Travel Insurance Group, you are able to access insurance 24/7 through experienced brokers and agents. Their mission is not just to sell insurance but to educate consumers on its importance, and as such, this provider’s website has a wealth of information to help you make informed insurance decisions.
International Travel Insurance Group
18 Shipyard Drive, Suite 2A
Hingham, MA 02043
Phone: (877) 758-4881
Whatever your reason for choosing an individually tailored insurance plan, it’s a good one. You will rest assured knowing that in a worst-case scenario you will have one less thing to worry about. You can feel confident that you will have access to the care you require when and where you need it.
When looking into the top 10 best international student health insurance companies, don’t be afraid to reach out to them if you have any questions. Many of the websites listed above offer an abundance of information to get you started. Check out each provider’s reviews and testimonials while you’re on the site to get an idea of how current clients feel.
Some of the websites have individual plan information with different pricing options to give you an idea of what you’re going to be looking at budget-wise. You can find more in-depth information on your options if you choose a provider with a concierge service.
Whatever you‘re looking for, we’ve got you “covered” with this list of the top 10 best international student health insurance companies.