Study USA - HealthCare

Student Medical Insurance

30 Days to 1,456 Days

International Student Medical Insurance for when your studies take you far from home.

Why Do I Need Student Medical Insurance?

Every year, thousands of students study outside of their home countries. What happens if they experience an unexpected illness while traveling abroad? How can they find insurance that meets the requirements of their educational institutions before they go?

Study USA - HealthCare is available for as little as $1.65 a day.*

Get medical insurance for you or your entire family. Study USA has important benefits including:

  • Illness and Medical Expense Protection, including Coverage for COVID-19
  • Emergency Health Care
  • 24-Hour Assistance Services
  • Emergency Medical Evacuation
  • Mental or Nervous Disorders Care
  • Accidental Death and Dismemberment
  • Optional Buy-Up Coverage (Platinum Plan):
    • Vaccinations
    • Intercollegiate, Interscholastic, Intramural or Club Sports
* Most plans include the above benefits. Prior to purchasing, please check the Description of Coverage.

Why should I choose Study USA - HealthCare?

Study USA - HealthCare takes the guesswork out of insurance for students traveling abroad. Designed specifically to meet the needs of international students and scholars, it's coverage that travels with you ... and meets or exceeds U.S. government student visa requirements.

Who is eligible?

Study USA - HealthCare is available to:

  • Full-time students** at secondary schools, colleges or universities (excluding those online), those who will be full-time students at a college or university within 31 days, or
  • Full-time scholars** affiliated with an educational institution and performing work or research for at least 30 hours per week.
  • Students residing outside their home country for the purpose of pursuing international educational activities; and
  • Those who have not obtained residency status in the host country.
** The Full-time Student/Scholar status requirement is waived for Participants within the US holding a valid F-1 or J-1 visa. Full-time status requirements remain in force for individuals holding M-1, or other category visas.

Enjoy Your Travel Experience, Knowing You Have the Protection of Study USA - HealthCare

Preparing to study in the United States, or any foreign country, is an exciting experience. Travel Insurance Services can help you get the international medical insurance you need to meet school requirements. With our Study USA - HealthCare coverage you get:

  • Choice of coverage levels, so you can find the right plan for your needs and budget.
  • Instant confirmation and ID card, sent to you via email, so you can immediately provide your school with the required proof of coverage.
  • Up to 364 consecutive days of coverage, renewable for up to 4 years.

Plan Highlights

Overall Maximum Limit$200,000$600,000$3,000,000
Maximum Injury or Illness$100,000$300,000$500,000
Pre-existing Condition Waiting Period12 Months
$500 maximum per certificate period
6 Months6 Months
Deductible (except emergency room)$100 in network / $250 out of network$50 in network / $150 out of network$25 in network / $100 out of network
ER Deductible$350/incident$250/incident$100/incident
Coinsurance - Claims Incurred
Inside the U.S.
  In-Network Payment80% after the deductible, up to the overall maximum limit.80% after the deductible, up to $25,000, then 100% to the overall maximum limit.85% after the deductible, up to $10,000, then 100% to the overall maximum limit.
  Out-Network PaymentUsual, reasonable, and customary (URC)Usual, reasonable, and customary (URC)Usual, reasonable, and customary (URC)
Coinsurance - Claims Incurred
Outside the U.S.
100% after the deductible, up to overall maximum limit.100% after the deductible, up to overall maximum limit.100% after the deductible, up to overall maximum limit.
Local Ambulance$350 per injury/illness$350 per injury/illness$350 per injury/illness
Prescription Drugs$30 deductible for generic drugs; $100 deductible for brand name$15 deductible for generic drugs; $50 deductible for brand name$15 deductible for generic drugs; $30 deductible for brand name
Wellness100% of one routine physical exam per member100% of one routine physical exam per member100% of one routine physical exam per member
COVID-19Covered as any other illnessCovered as any other illnessCovered as any other illness
Intercollegiate, Interscholastic, Intramural or Club SportsN/AN/AOptional Buy-Up: $10,000
Dental Treatment due to AccidentN/A$1,000 maximum per certificate period$1,000 maximum per certificate period
Dental Treatment to Alleviate PainN/A$100$100
Emergency Medical Evacuation$250,000 lifetime max.$500,000 lifetime max.$500,000 lifetime max.
TerrorismN/A$50,000 lifetime max.$50,000 lifetime max.
Accidental Death & Dismemberment$5,000 lifetime max.$25,000 lifetime max.$25,000 lifetime max.
Emergency Reunion (Max. 15 days)$2,500$2,500$5,000

For other benefit details including Mental Health Disorders, Maternity Care, Physical Therapy and more, please view the Description of Coverage.


Student Only Per Day Rates
Under 25$1.65$2.64$4.49
25 - 29$3.05$4.88$8.30
30 - 34$4.14$6.62$11.25
35 - 39$5.86$9.38$15.95
40 - 44$9.24$14.78$25.13
45 - 49$13.15$21.04$35.77
50 - 54$17.75$28.40$48.28
55 - 65$23.97$38.35$65.20
Student & Spouse Per Day Rates
Under 25$2.97$4.75$8.07
25 - 29$5.49$8.78$14.95
30 - 34$7.45$11.92$20.27
35 - 39$10.55$16.90$28.69
40 - 44$16.62$26.62$45.23
45 - 49$23.67$37.88$64.41
50 - 54$31.95$51.12$86.91
55 - 65$43.15$69.03$117.36
Student & Child Per Day Rates
Under 25$3.06$4.88$8.30
25 - 29$4.42$7.73$13.15
30 - 34$5.51$9.67$16.43
35 - 39$7.23$12.43$21.13
40 - 44$10.96$18.60$31.60
45 - 49$15.49$26.06$44.32
50 - 54$19.44$32.07$54.50
55 - 65$25.87$42.48$72.21
Student & Family Per Day Rates
Under 25$4.77$7.60$12.93
25 - 29$7.23$12.40$21.10
30 - 34$9.20$15.79$26.84
35 - 39$12.29$20.76$35.29
40 - 44$18.82$31.48$53.47
45 - 49$26.64$44.24$75.22
50 - 54$34.11$55.79$94.81
55 - 65$45.56$74.27$126.26


USI Affinity | Travel Insurance Services
3805 West Chester Pike
Bldg D, Suite 200
Newtown Square, PA 19073

Study USA - HealthCare claims are administered by WorldTrips.


Lloyd's of London - Syndicate 4141


Insubuy®, LLC.
4200 Mapleshade Ln, Suite 200
Plano, TX 75093

Toll Free: +1 (866) INSUBUY
Phone: +1 (972) 985-4400
Fax: +1 (972) 767-4470

Please note: This is only a brief description of the coverage(s) available. The policy Description of Coverage may contain reductions, limitations, exclusions and termination provisions. Coverage may not be available in all states. Please refer to the complete Description of Coverage for full coverage details.

Version: BRO-0073-0823_TRAVEL

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

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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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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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