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OPT Insurance

OPT insurance plans are useful to those who are on a student visa but have already began working under the Optional Practical Training program. Eligibility requirements for the plans listed below vary from plan to plan. In general, you are eligible for most of the OPT health insurance plans listed below only if prior insurance in the U.S. was an international health insurance plan. In most cases, if you had a domestic health insurance, such as through from your school, you should instead look under the individual insurance section, either short term insurance or long term insurance.

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Atlas Exchange

Underwriter: Lloyds

Coverage Availability: 5 Days to 1,456 Days

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StudentSecure

Underwriter: Lloyds

Coverage Availability: 1 Month to 1,456 Days

Elite: After deductible, 100% to policy max
Select: After deductible, pays 80% to $5,000, then 100% to policy max
Budget: After deductible, pays 80% to $25,000, then 100% to policy max
Smart: After deductible, pays 80% to policy max

Direct Billing: Through First Health PPO Network

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Patriot America® Plus

Underwriter: Sirius International

Coverage Availability: 5 Days to 2 Years

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Patriot America®

Underwriter: Sirius International

Coverage Availability: 5 Days to 2 Years

Within PPO network: After deductible, pays 90% to $5,000, then 100% to policy max
Outside PPO network: After deductible, pays 80% to $5,000, then 100% to policy max

Direct Billing: Through First Health PPO Network

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Patriot® Platinum America

Underwriter: Sirius International

Coverage Availability: 5 Days to 3 Years

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Patriot® GoTravel America

Underwriter: Sirius International

Coverage Availability: 5 Days to 2 Years

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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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 would not be eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

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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Traveling to Europe?

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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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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