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International Student Medical Insurance

Washington University in St. Louis International Student Insurance

General Information

Washington University in St. Louis (WashU, or WUSTL) is a private institution founded in 1853. Consistently providing its students with a high quality of education, it has been recognized as one of the top universities in the country. In 2021, U.S. News ranked it as the 16th best college in the U.S.

What makes this a great place to study is the nature of education imparted. Not only is it of the finest quality, but an emphasis on research and creativity also helps students implement their learning.

The attractive main campus (ranked by Princeton Review as among the top 10 “Most Beautiful Campuses” in the U.S.) in St. Louis County and Clayton, MO provides an excellent environment for studying, and the university is known for being warm and welcoming to international students from around the world. 

Washington University in St. Louis Academic and Research Opportunities

A reputed and esteemed institute, WUSTL provides many options for its students in terms of academic and research opportunities. To develop a better understanding of the programs and courses offered by the university, let us look at the schools into which WashU has been divided:

  • Arts & Sciences
  • Brown School (focusing on social work and public health)
  • McKelvey School of Engineering
  • Olin Business School
  • Sam Fox School of Design & Visual Arts
  • School of Law
  • School of Medicine

These schools provide students with a wide variety of options in the form of undergraduate, graduate, and professional degrees. With academic courses ranging from anthropology to cybersecurity, the university offers a plethora of options. 

An institution that believes in participation and involvement, WUSTL likes to call itself a “research university.” It pushes its students towards innovation by instilling the value of creativity. Each school provides separate research opportunities. 

Health Risks for Washington University in St. Louis International Students

Washington University in St. Louis will contribute immensely to your educational journey. Whichever degree you opt for here, graduating from WUSTL will go a long way in helping you reach your professional goals.

However, there are health risks you must be aware of when attending WUSTL. For instance, St. Louis is a city that does experience its fair share of crime. Like any large urban area, the city has certain areas that are best avoided, especially alone or after dark. However, the Clayton area around WashU is known for being quite safe so long as you take reasonable precautions, such as locking the doors of your residence and vehicle. 

Another risk comes in the form of weather. The Midwestern United States experiences every sort of weather imaginable, depending on the season. Summers can be hot and humid. Winters can be cold and snowy. Springtime can bring strong thunderstorms and flooding rains. Though you’ll be well-protected from weather issues on campus, it’s best to keep the forecast in mind whenever you plan to spend a day outdoors. Also, be sure to bring clothing that can cover a wide range of temperatures. 

Cover Your Risks with Health Insurance for Washington University in St. Louis

With your undergraduate or graduate degree to worry about, it is easy to forget about purchasing health insurance. But the truth is, health insurance can be a lifesaver (literally). It provides financial protection from large medical bills if you become sick or injured and need treatment while studying at WUSTL. 

International Student Health Insurance for Washington University in St. Louis — FAQs 

Do international students need health insurance before joining Washington University in St. Louis?

It is a requirement for international students to have a health insurance plan before beginning classes at Washington State University in St. Louis. 

What’s the need for Washington University in St. Louis health insurance for international students?

No one likes the idea of unplanned expenses, no matter how small. If you were to get sick or hurt while studying in the U.S. and require treatment without insurance, you could face an unplanned medical bill that’s anything but small. Healthcare in the U.S. is notoriously expensive, and it simply isn’t possible for most people to afford treatment without insurance coverage. 

Tuition, housing, and other expenses involved with studying abroad are expensive enough on their own. Don’t add to that expense with a massive medical bill. Get the financial protection you need with international student health insurance. 

How to find the best student health insurance for Washington University in St. Louis?

WashU provides a student health insurance plan (SHIP). However, you can waive the university student health insurance plan by purchasing another insurance plan which meets the university’s minimum criteria of coverage for international students. For this, you must provide proof of adequate coverage before classes begin. 

If you are planning to purchase alternate insurance for yourself or to cover your accompanying dependents, make sure you understand your insurance requirements. From there, you can compare and contrast numerous policies that meet your needs, and select the plan that is most suitable for you. 


Washington University in St. Louis International Student Insurance Requirements

International Students

Washington University in St. Louis requires all full-time, degree-seeking students on the Danforth (main) campus to have health insurance. For this reason, they offer a comprehensive health insurance plan that qualifying students are automatically billed for. International students holding an F-1/J-1 visa are only allowed to waive the school’s insurance plan for one that is U.S.-based insurance provided by a U.S.-based employer. 

Washington University in St. Louis does not provide any health insurance requirements pertaining to accompanying dependents of international students. Those with an F-2 visa can select any plan in the Student (F-1/F-2) section of the website. J-2 dependents may not have insurance mandates from the school, but the Department of State does require them to obtain and maintain insurance that meets federal limits for the duration of their stay in the U.S. All plans under the Exchange Visitor (J-1/J-2) section will meet the requirements mandated by the Department of State. It is recommended to contact the Office of Admission to verify the health insurance requirements prior to purchase, as detailed information may only be provided to the attendee. 

Exchange Visitors

The Washington State University in St. Louis J-1 Exchange Visitors Program regulations state that all J-1 Exchange Visitors, including J-1 Scholars and their J-2 dependents, must have insurance for the entirety of their stay that meets the federal limits of coverage, Code of Federal Regulations -22 CFR 62.14, set by the Department of State. In addition to federal limits of coverage, they must also include additional requirements issued by Washington University in St. Louis, which include but are not limited to:

  • May require a waiting period for pre-existing conditions, which is reasonable as determined by current industry standards
  • May include a provision for co-insurance under the terms which the exchange visitor may be required to pay up to 25% of the covered benefits per accident or illness
  • Shall not unreasonably exclude coverage for perils inherent to the activities of the exchange program in which the exchange visitor participates

It is recommended to contact the Office of Admission to verify the health insurance requirements prior to purchase, as detailed information may only be provided to the attendee.

Please contact our office for further information. 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.

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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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