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Study USA

Student Medical Insurance

30 Days to 1,456 Days

Medical Insurance Coverage for:

  • International Students studying in the U.S.
  • U.S. Students studying abroad
  • International Students studying outside of their home country

Designed just for students, Study USA-HealthCare has:

  • Rates as low as $.95 per day
  • Meets most requirements set by: Dept. of State, USCIS, NAFTA, and University Study Abroad Programs
  • Skilled customer service representatives who can discuss your individual situation - even in Spanish or Chinese!

Do I need study abroad insurance?

If you are a student or scholar planning on traveling to pursue your education outside your home country, health insurance is a necessity. Most student visas and learning institutions require visiting foreign students be covered by a comprehensive health insurance policy. You may also find that the coverage from your home country will not follow you while you are studying abroad.

Why Choose Study USA-HealthCare?

Take the guesswork out of insurance for individuals in study abroad programs with Study USA-HealthCare, a plan designed specifically to meet the needs of international students and scholars.

Study USA is the program that travels with you and meets or exceeds U.S. government student visa requirements. Whether you are looking for individual coverage or coverage for your entire family, Study USA has all the features you need. The plan includes coverage for Medical Expenses, Emergency Medical Evacuation, Repatriation of Remains, Terrorism Coverage and Accidental Death & Dismemberment.

Don't worry. We specialize in students studying abroad and we're here to help.

Study USA-HealthCare provides medical coverage for students studying outside of their home country and is available for as little as $0.95 a day.*

  • Illness and Medical Expense protection
  • Quality health care in emergency situations
  • Emergency Medical Evacuation
  • Mental or Nervous Disorders; includes substance abuse treatments under the Preferred 300 and Preferred 500 plans
  • Repatriation of Remains
  • Accidental Death and Dismemberment
  • Terrorism benefits

This brochure only provides an overview of available plan designs for Study USA-HealthCare Insurance.


Study USA-HealthCare is available to:

  • Full-time students at a secondary school, a college or university (excluding online colleges and universities), those who will be a Full-time Student 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.
  • Must be residing outside his or her Home Country for the purpose of pursuing international educational activities; and
  • Must not have 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.


Study USA-HealthCare is available to dependents on the SUSA, Preferred 300 & 500 if:

  • They are the Participant’s legally married spouse, or they are the Participant’s unmarried child under age 19 years and chiefly dependent on the Participant for support and maintenance
  • Dependents must accompany the Participant abroad on a similar visa or passport while the Participant engages in international educational activities
  • Dependents must be temporarily located outside the Participant’s Home Country
  • Dependents must not have obtained residency status in the Host Country

Incidental Home Country Coverage

Study USA will provide you 15 days of incidental coverage for trips to your home country for every 3 months of coverage purchased. Incidental visit time must be used within the three-month period earned, and you must continue your international trip in order to be eligible for this benefit, which covers medical expenses only. Return to your home country must not be taken for the purpose of obtaining treatment of an illness or injury that began while traveling.

Extending or Renewing Coverage

After your initial purchase, you may extend your coverage up to a maximum of 364 days from the initial effective date. You may renew your coverage as long as you continue to meet the eligibility requirements. Renewal may be completed within the last 6 months of a 12-month certificate period. Deductible and coinsurance must be re-satisfied as of each renewal date. After four years of continuous coverage or any break in coverage, a new plan must be purchased. A new application is required and you must re-satisfy your deductible, coinsurance, pre-existing condition provisions, and all other benefit limits. Extensions and renewals can be made online with payment by credit card or by calling us at (866) INSUBUY.

Cancellations and Refunds

Single Payment: To be eligible for a full refund, the request for cancellation must be received in writing prior to the effective date. Cancellation requests received after the effective date will be subject to the following conditions:

  1. A $25 cancellation fee will apply
  2. No refunds available 60 days after the effective date
  3. Only insureds who have no claims are eligible for premium refund

Monthly Payment: To be eligible for a full refund, the request for cancellation must be received in writing prior to the effective date. If the plan is cancelled after the effective date, all future scheduled payments will be cancelled.

Plan Highlights

BenefitsSUSASUSA Preferred 300SUSA Preferred 500
Maximum Medical Limit$200,000$300,000$500,000
Maximum Injury or Illness$100,000$300,000$500,000
Pre-existing condition waiting periodN/A12 Months6 Months
Deductible (except emergency room)$50 in network / $150 out of network$45 in network / $90 out of network$25 in network / $50 out of network
ER Deductible$350/incident$250/incident$100/incident
Coinsurance80% in network / 70% out of network80% in network / 70% out of network80% in network / 70% out of network
Local Ambulance$350 per Injury or Illness$350 per Injury or Illness$350 per Injury or Illness
Prescription Drugs$10 copay for generic drugs
$20 copay for brand name
$10 copay for generic drugs
$20 copay for brand name
$10 copay for generic drugs
$20 copay for brand name
Wellness100% of one routine physical exam per insured per member100% of one routine physical exam per insured per member100% of one routine physical exam per insured per member
Physical Therapy and Chiropractic Care$50 per visit per day$50 per visit per day$75 per visit per day
Dental Treatment due to AccidentN/A$1,000 maximum per certificate period$1,000 maximum per certificate period
Mental Health Disorders$5,000$10,00080% in network
60% out of network
Maternity Care for Covered Pregnancy 80% in network
70% out of network
80% in network
70% out of network
80% in network
70% out of network
Intercollegiate, Interscholastic, Intramural or club sports$5,000 maximum per injury or illness, medical expenses only$5,000 maximum per injury or illness, medical expenses only$5,000 maximum per injury or illness, medical expenses only
Dental Treatment to Alleviate PainN/A$100$100
Personal LiabilityN/AN/A$250,00 lifetime maximum
Repatriation of Remains$25,000 lifetime maximum$25,000 lifetime maximum$25,000 lifetime maximum
Terrorism$50,000 lifetime maximum$50,000 lifetime maximum$50,000 lifetime maximum
Accidental Death and Dismemberment$25,000 lifetime maximum$25,000 lifetime maximum$25,000 lifetime maximum
Emergency Reunion$2,500$2,500$2,500

Enroll in Study USA-HealthCare

There are several ways to enroll in Study USA-HealthCare

  • Use the Instant Quotes & Purchase link at the top of this brochure page:
    • Enroll
    • Pay with your credit card
    • Get instant Confirmation and ID Card
  • Call us at (866) INSUBUY.
  • Download the paper application by clicking the link at the top of this brochure page and email the completed paper application to us at ofni.


USI Affinity | Travel Insurance Services
One International Plaza, Suite 400
Philadelphia, PA 19113

Study USA HealthCare claims are administered by Tokio Marine HCC - MIS Group.


Lloyd's of London - Syndicate 4141


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

Toll Free: (866) INSUBUY
Phone: (972) 985-4400
Fax: (972) 767-4470
Website: www.insubuy.com

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

The description of coverage in these pages is for informational purposes only. Actual coverage will vary based the terms and conditions of the policy issued. The information described herein does not amend or otherwise affect the terms and conditions of any insurance policy issued by Travel Insurance Services. In the event that a policy is inconsistent with the information described herein, the language of the policy will take precedence.

Version: BRO-0062-0717

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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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