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International Student Medical Insurance

University of Miami International Student Insurance

General Information

The main University of Miami campus is a private research university located in Coral Gables. A group of citizens in Miami sanctioned the University of Miami in 1925 to promote inter-American studies through research in the creative arts and tropical studies.  

It began functioning from the fall of 1926 after the founder of Coral Gables, G.E. Merrick, made a generous contribution. 

UM Coral Gables had the infamous name of the “cardboard college” for many years because classes were held in a nearby hotel as the university recovered from damages caused by a hurricane. It took over two decades to rebuild the university.  

The University of Miami Academic and Research Opportunities 

The U of M Coral Gables campus is home to the follow colleges and schools, offering undergraduate and master’s degrees:


  • Arts and Sciences
  • Engineering


  • School of Architecture
  • Herbert Business School
  • School of Communication
  • School of Education & Human Development
  • School of Law
  • Frost School of Music
  • Nursing and Health Studies

This university has an intense research output. The student population is diverse and all 50 states are represented each year as well as many international students coming from over 150 countries. 

The university has multiple active student bodies. You have the opportunity to learn leadership and socialize with peers through them. It is accredited by the Southern Association of Colleges and Schools and an additional 19 professional accrediting agencies. 

Health Risks for University of Miami International Students 

Coral Gables is a good neighborhood to live in. The cost of rental places is higher than the whole of Florida. Coral Gables ranks 82 out of 100 on the livability scale. The crime rate here is 6 percent less than the Florida state average. Of the crimes that do occur, assault tops the violent crime and the property crime list.

Coral Gables is a coastal city. There were cases of a toxic red tide in 2018 that killed sea life in Florida. Although not lethal to humans, it can cause breathing problems by constricting passages in your lungs, causing coughing and difficulty breathing.  

Cover Your Risks with Exchange Visitor Health Insurance for the University of Miami

There are many reasons to carry an international exchange visitor health insurance plans while you are in the U.S. at the University of Miami

  • A posh area may suggest that it’s safe, but that isn’t true. A low crime rate doesn't eliminate the risk of being a victim to some type of transgression. 
  • Another good reason to have yourself insured is the coastal location. Hurricanes, tornadoes, floods to name a few natural disasters, occur frequently enough that you should be prepared for various situations. 
  • The right health insurance will cover the medical costs incurred from treatment of an injury or sickness that will likely occur to you or a family member. 

Without the canopy of adequate health insurance, getting enrolled at the university is highly unlikely. J visa holders are required to meet minimum insurance requirements to be in compliance with the visa. Even without that requirement, there is a valid reason to be insured while in the U.S. – healthcare is expensive and without a good insurance plan, the high medical costs are yours to pay.  

International Exchange Visitor Health Insurance for the University of Miami – FAQs 

Do J Visa exchange visitors need health insurance before joining the University of Miami?

Yes, it is necessary. All J visa exchange visitors need health insurance while in the U.S. 

What’s the need for University of Miami health insurance for international exchange visitors?

There are very important reasons for the necessity of health insurance for international exchange visitors. 

Exchange visitors must meet J visa insurance requirements for their visa. If J visa holders don’t have adequate health insurance coverage, they could lose it.

Healthcare in the U.S. can cost you big. A trip to the emergency room for an injury can cost thousands of dollars. Having the right insurance plan means that the insurance plans covers the cost instead of you spending all your money for a health emergency.  

How to find the best exchange visitor health insurance for the University of Miami?

The best way to find the right exchange visitors health insurance plan is to compare the plans below against each other. All of these plans meet the J visa insurance requirements. Review for coverage that is important to you and your family, then pick the best one for your needs. 

We are here when you need us. Our customer service agents are available for any questions you have, contact us to help now. 

University of Miami International Student and Exchange Visitor Insurance Requirements

University of Miami, Coral Gables requires all J-1 scholars and their dependents to meet the school limits of insurance coverage. These include the standard requirements set by the U.S. Department of State, plus a waiting period for pre-existing conditions that is reasonable as determined by industry standards. The plan may also require a co-insurance of up to 25%.

F-1 and J-1 international students are required to enroll in the university health insurance plan. However, they may waive enrollment in this plan if they purchase an alternate plan that meets the limits approved by the University Student Health Center. The university website does not mention health insurance requirements for accompanying F-2 dependents, but J-1 international students are required to purchase insurance for their J-2 dependents.

Please contact our office if you have any questions. This information is subject to change. 

J Visa Insurance Plans

Patriot Exchange Program

ExchangeGuard® Choice

ExchangeGuard® Essential

Student Health Advantage Standard

Student Health Advantage Platinum

StudentSecure® Budget

StudentSecure® Select

Study USA - Healthcare Standard

Study USA - Healthcare Preferred

Study USA - Healthcare Platinum

F Visa Insurance Plans

This school does not allow to purchase outside insurance or no insurance plans available that meet the school requirements.

DISCLAIMER: The school requirements are accurate as of the time of analysis. It is possible that the school requirements have changed since they were reviewed and matched with insurance plans meeting the requirements. It is your responsibility to ensure that the latest requirements are still met by the insurance product you purchase. We are not affiliated with the schools listed here and these insurance plans are not endorsed by your school.

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 are not 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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