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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 $1.54 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
| Benefit | Standard | Preferred | Platinum | |
|---|---|---|---|---|
| Overall Maximum Limit | $200,000 | $600,000 | $3,000,000 | |
| Maximum Injury or Illness | $100,000 | $300,000 | $500,000 | |
| Pre-existing Condition Waiting Period | 12 Months $500 maximum per certificate period | 6 Months | 6 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 Payment | 80% 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 Payment | Usual, 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 | |
| Wellness | 100% of one routine physical exam per member | 100% of one routine physical exam per member | 100% of one routine physical exam per member | |
| COVID-19 | Covered as any other illness | Covered as any other illness | Covered as any other illness | |
| Intercollegiate, Interscholastic, Intramural or Club Sports | N/A | N/A | Optional Buy-Up: $10,000 | |
| Dental Treatment due to Accident | N/A | $1,000 maximum per certificate period | $1,000 maximum per certificate period | |
| Dental Treatment to Alleviate Pain | N/A | $100 | $100 | |
| Emergency Medical Evacuation | $250,000 lifetime max. | $500,000 lifetime max. | $500,000 lifetime max. | |
| Terrorism | N/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.
Rates
| Student Only Per Day Rates | ||||
| Age | Standard | Preferred | Platinum | |
| Under 25 | $1.61 | $2.60 | $2.97 | |
| 25 - 29 | $3.05 | $3.79 | $4.33 | |
| 30 - 34 | $4.14 | $4.80 | $5.49 | |
| 35 - 39 | $5.86 | $6.79 | $7.76 | |
| 40 - 44 | $7.37 | $8.54 | $9.79 | |
| 45 - 49 | $7.69 | $9.26 | $10.59 | |
| 50 - 54 | $14.38 | $17.10 | $19.56 | |
| 55 - 65 | $17.31 | $20.50 | $23.45 | |
| Sports Buy-Up | N/A | N/A | $0.82 | |
| Vaccination Buy-Up | N/A | N/A | $0.26 | |
| Student & Spouse Per Day Rates | ||||
| Age | Standard | Preferred | Platinum | |
| Under 25 | $2.90 | $4.68 | $5.34 | |
| 25 - 29 | $5.49 | $6.82 | $7.80 | |
| 30 - 34 | $7.45 | $8.64 | $9.89 | |
| 35 - 39 | $10.55 | $12.23 | $13.96 | |
| 40 - 44 | $13.26 | $15.38 | $17.62 | |
| 45 - 49 | $13.84 | $16.67 | $19.07 | |
| 50 - 54 | $25.88 | $30.78 | $35.21 | |
| 55 - 65 | $31.16 | $36.90 | $42.21 | |
| Sports Buy-Up | N/A | N/A | N/A | |
| Vaccination Buy-Up | N/A | N/A | N/A | |
| Student & Child Per Day Rates | ||||
| Age | Standard | Preferred | Platinum | |
| Under 25 | $2.99 | $4.81 | $5.49 | |
| 25 - 29 | $4.42 | $6.00 | $6.86 | |
| 30 - 34 | $5.51 | $7.01 | $8.02 | |
| 35 - 39 | $7.23 | $9.00 | $10.28 | |
| 40 - 44 | $8.74 | $10.75 | $12.31 | |
| 45 - 49 | $9.06 | $11.47 | $13.12 | |
| 50 - 54 | $15.75 | $19.31 | $22.08 | |
| 55 - 65 | $18.68 | $22.71 | $25.97 | |
| Sports Buy-Up | N/A | N/A | N/A | |
| Vaccination Buy-Up | N/A | N/A | N/A | |
| Student & Family Per Day Rates | ||||
| Age | Standard | Preferred | Platinum | |
| Under 25 | $4.65 | $7.48 | $8.55 | |
| 25 - 29 | $7.23 | $9.63 | $11.01 | |
| 30 - 34 | $9.20 | $11.45 | $13.10 | |
| 35 - 39 | $12.29 | $15.03 | $17.17 | |
| 40 - 44 | $15.01 | $18.19 | $20.83 | |
| 45 - 49 | $15.58 | $19.47 | $22.27 | |
| 50 - 54 | $27.63 | $33.59 | $38.41 | |
| 55 - 65 | $32.90 | $39.70 | $45.41 | |
| Sports Buy-Up | N/A | N/A | N/A | |
| Vaccination Buy-Up | N/A | N/A | N/A | |
Administrator
USI Affinity | Travel Insurance Services3805 West Chester Pike
Bldg D, Suite 200
Newtown Square, PA 19073
Study USA - HealthCare claims are administered by WorldTrips.
Underwriter
Lloyd's of London - Syndicate 4141
FOR ADDITIONAL INFORMATION
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
Website:
www.insubuy.com
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-0073-0720_TRAVEL
Rates Updated: 09/01/2021
08/13/2020
Did you know?
Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
Learn MoreWhy purchase insurance from Insubuy®?
Same Price. Better Service.®
There are many advantages in purchasing from Insubuy® and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
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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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You are not eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.
Learn MoreGoing 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 MoreAre 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 MoreTraveling 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 MoreTraveling 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 MoreInternational 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