Do you have questions that we can answer?

Did you not find what you were looking for?

We can help.

Contact

Please call us at toll-free +1 (866) INSUBUY or +1 (972) 985-4400.

WhatsApp: +1 (972) 795-1123

Our working hours:

8 AM to 9 PM – Central, 7 days a week.

Email us at: ofni

There was a problem, please make the requested changes and submit again:

  • Date cannot be in the past.{{error}}

Thank you for reaching out to us.

We will give you a call back at +{{form.isdCode}}-{{form.phoneNumber}}.

Call Me Back

We can call you at your convenience, fill out the form below.

Name should not contain numbers or special characters.

Phone Number is required.Cannot contain special characters.Phone number should contain at least one number.

+1 (866) INSUBUY
+1 (866) 467-8289
8 AM - 9 PM CT Seven Days a Week Source ID: Insubuy
+1 (866) INSUBUY467-82898 AM - 9 PM CTSeven Days a Week

OPT Insurance

Medical insurance for foreign graduates on an F1 visa.

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.

Minimize Maximize

ExchangeGuard®

Underwriter: Lloyd's

Coverage Availability: 5 Days to 1,456 Days

COVID-19 Included

After deductible, pays 100% to policy maximum, or
After deductible, pays 80% to policy maximum.
Outside PPO Network: After deductible, pays Usual, Reasonable, and Customary to policy maximum.

US Urgent care/Walk-in Clinic: $15 copay unless $0 deductible.

Direct Billing: Through United Healthcare PPO Network

Minimize Maximize

StudentSecure®

Underwriter: Lloyd's

Coverage Availability: 1 Month to 1,456 Days

COVID-19 Included

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

Direct Billing: Through United Healthcare PPO Network

Minimize Maximize

Study USA - HealthCare

Underwriter: Lloyd's

Coverage Availability: 30 Days to 1,456 Days

COVID-19 Included

Standard: After deductible, pays 80% to policy maximum.
Preferred: After deductible, pays 80% to $25,000, then 100% to policy maximum.
Platinum: After deductible, pays 85% to $10,000, then 100% to policy maximum.

Direct Billing: Through United Healthcare PPO Network

Minimize Maximize

Safe Travels USA Cost Saver

Underwriter: Crum & Forster SPC

Coverage Availability: 5 Days to 2 Years

COVID-19 Included

Deductible waived within PPO network, pays 100% to policy maximum.
Outside PPO network: After deductible, pays 80% to $5,000, then 100% to policy maximum.

US Urgent care: $30 copay. One Wellness Visit.

Direct Billing: Through First Health PPO Network

Acute onset of pre-existing conditions
Sudden and unexpected recurrence of pre-existing condition coverage: $1,000

Minimize Maximize

Safe Travels USA Comprehensive

Underwriter: Crum & Forster SPC

Coverage Availability: 5 Days to 2 Years

COVID-19 Included

Deductible waived within PPO network, pays 100% to policy maximum.
Outside PPO network: After deductible, pays 80% to $5,000, then 100% to policy maximum.

US Urgent Care: $30 copay. One Wellness Visit.

Direct Billing: Through First Health PPO Network

Acute onset of pre-existing conditions
to policy max (cardiac $25,000) for ages <70; $35,000 (cardiac $15,000) for ages 70-89

Minimize Maximize

Patriot America® Plus

Underwriter: Sirius Specialty Insurance Corporation

Coverage Availability: 5 Days to 2 Years

COVID-19 Included

After deductible, pays 100% to policy maximum.
Outside PPO network: After deductible, pays 80% to $5,000, then 100% to policy maximum.

US Urgent care: $25 copay unless $0 deductible.
Walk-in Clinic: $15 copay unless $0 deductible.

Direct Billing: Through United Healthcare PPO Network

Acute onset of pre-existing conditions
(including cardiac) coverage to policy max for ages <70

Minimize Maximize

Patriot America®

Underwriter: Sirius Specialty Insurance Corporation

Coverage Availability: 5 Days to 2 Years

COVID-19 Excluded

After deductible, pays 100% to policy maximum.
Outside PPO Network: After deductible, pays 80% to $5,000, then 100% to policy maximum.

US Urgent care: $25 copay unless $0 deductible.
Walk-in Clinic: $15 copay unless $0 deductible.

Direct Billing: Through United Healthcare PPO Network

Minimize Maximize

Patriot Platinum America

Underwriter: Sirius Specialty Insurance Corporation

Coverage Availability: 5 Days to 3 Years

COVID-19 Included

After deductible, pays 100% to policy maximum.
Outside PPO Network: After deductible, pays 90% to $5,000, then 100% to policy maximum.

US-Urgent Care: Deductible waived, $25 copay; unless $0 deductible.
US-Walk-in Clinic: Deductible Waived, $15 copay; unless $0 deductible.

Direct Billing: Through United Healthcare PPO Network

Acute onset of pre-existing conditions
US Citizens: Maximum of $1,000,000 for up to age 64 with Primary Health Plan; $20,000 without. Ages 65-69: $2,500 maximum. Non-US Citizens: For ages < 70, up to $1,000,000

Compare Plans

Select Another {{ plansToCompare.length }} Plans Selected

Did you know?

Prices are regulated by law.

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

Learn More

Why purchase insurance from Insubuy®?

Same Price. Better Service.®

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

Learn More

Visiting USA?

Healthcare costs are very high in the U.S.

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

Learn More

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.

Learn More

New immigrant to USA?

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

Purchase new immigrant medical insurance to bridge the gap.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More