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International Student Insurance

Question:

I'm wanting to purchase insurance for my son who will be attending college in USA on F1 visa. Based on the information on the website I'm struggling to understand what the difference is between the Exchange Guard Essential and Exchange Guard Choice policies are. The differences that I can observe through the compare option don't seem important enough to justify the difference in price and so I'm wondering if there is something I'm missing. Is there an expert that is able to more easily clarify the difference between these two policies?

Answer:

Thank you for your interest in purchasing insurance through us.

 The main difference between ExchangeGuard Choice and Essential is the pre-ex waiting period.

 Choice has 6m and Essential has 12m. Both plan after waiting period will pay $500 per policy period.

 Here is the link for the difference between 2 plans:

Compare ExchangeGuard Insurance Plans

 Please feel free to contact us if you have any questions.


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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.

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Visiting USA?

Healthcare costs are very high in the U.S.

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Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

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You are not eligible to enroll in Medicare for the first 5 years.

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You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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