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International Student Insurance

Question:

Can a working F1 student under OPT/STEM OPT status enroll an international student plan? I am currently working as a part time faculty in a local school during my OPT period, and planning to extend my status through STEM OPT for the next 12 year. I'm torn between choosing the medical benefit from my workplace, which is too much for my budget, and choosing one of these plans for international student which is much more ideal for my budget. Please advise. Thanks

Answer:

Thank you for contacting Insubuy for your insurance needs. Although you may purchase a plan from the OPT Medical Insurance section of our website, it would be recommended to purchase through the plan offered by your employer as it would offer much more coverage. The plans available outside of the domestic plans will only cover the new illnesses and injuries that manifest in the body after the effective date of the policy. They will exclude coverage for pre-existing conditions, preventative and routine care. Should you have additional questions or need further assistance please let us know and we will gladly assist you.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

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

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

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.

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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.

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Traveling to Europe?

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

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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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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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