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I am the Student Insurance Advocate for the University of Montana. One of my primary duties is to assist students with researching plans so the students can obtain the coverage they need while attending classes here. With that said, the University of Montana is located in hub of 5 Valleys. It has many recreational activities available. One that is very popular here is skiing. I am assisting one of our potential students with obtaining a health care plan that not only meets the J-1 Visa requirements, but also has coverage for injury due to skiing. I'm looking at one of your plans. It meets the required criteria for medical coverage for our J-1 students. However, I need clarification on what is meant by your "Intercollegiate, Interscholastic, Intramural or Club Sports" coverage. If the student I'm assisting signs up for this plan, will they be covered if they happen to be doing an outdoor activity with their friends, for example skiing, and are injured? Or does it mean coverage is only available if the illness/injury occurs during a school related activity? Does that include skiing? Could you tell me exactly what this means, please. The student I'm assisting needs to purchase a plan as soon as possible. Whether or not they purchase a plan from your company is determined by the availability of the coverage they need. Any assistance you can give me is greatly appreciated.


The Study USA plan will cover recreational activities including snow skiing as long as they stay in marked in-bound territories. The item listed below is for school sports and not recreational sports.

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