Comparing Popular International Student Insurance Plans: A Side-by-Side Analysis 


International student plans are specialized health insurance policies designed to meet the unique needs of students studying abroad. These plans typically offer comprehensive coverage for medical expenses, including doctor visits, hospitalization, mental health, prescription medications, emergency medical evacuation, and repatriation of remains. 

Table of Contents: 

What are International Student Insurance Plans? 

International Student Insurance Plans provide peace of mind and financial protection for students studying abroad, ensuring they have access to quality healthcare and support during their educational journey away from home. These plans are made for J1, J2, F1, F2, and other study abroad programs, focusing on their physical and mental well-being in the US. 

Why International Students Need Insurance? 

  1. Healthcare Access: International students may face unexpected illnesses or injuries while studying abroad and may not have access to affordable healthcare services without insurance. Having insurance ensures they can receive necessary medical treatment without incurring substantial out-of-pocket expenses. 
  1. Compliance Requirements: Many universities and countries require international students to have health insurance coverage as a condition of enrollment or visa issuance. Insurance helps students meet these compliance requirements, ensuring they can pursue their academic goals without interruption. 
  1. Financial Protection: Medical expenses can be high in the US. International student insurance provides financial protection by covering the costs of medical care, hospitalization, and other related expenses, reducing the financial burden on students and their families. 

Comparing Popular International Student Insurance Plans 

Some popular plans are Atlas America, Patriot America, Student Secure, Study USA, Student Health Advantage, and more. Let us compare some plans. 

Category Study USA Student Health Advantage 
Plans Comprehensive Comprehensive 
Coverage Days Up to 364 consecutive days of coverage, renewable for up to 4 years.  Up to 364 consecutive days of coverage, renewable for up to 60 continuous months (about 5 years). 
Policy Maximum $100,000 to $500,000 per injury/illness (Basic-Platinum) Student: $300,000 
Dependent: $100,000 per injury/illness coverage  
Deductible Deductibles below are per Injury or Illness  
Basic: $250 in network/ $500 out of network/. 
Standard: $100 in network/ or $250 out of network/. 
Preferred: $50 in  network or $150 out of network. 
Platinum: $50 in network or $100 out of network 
$250 per injury/illness 
Coinsurance Basic & Standard: 80% after the 
deductible, up to  
overall maximum limit. 
Preferred: 80% after the deductible, up to  
 the overall $25,000, and then 100% to the overall maximum limit. 
Platinum: 85% after the deductible, up to $10,000, and then 100% up to the overall maximum limit. 
Plan pays 90% in-network and 80% out-of-network. 
COVID-19 Covered, except on the  Basic plan Covered 
Pre-existing conditions Basic Plan: Not Covered 
Standard Plan: Covered after 12 months of coverage 
Preferred and Platinum Plan: Covered after 6 months of coverage 
Covered after 12 months of continuous coverage 
Local Ambulance Basic: $300 per injury or illness, when covered illness or injury results in hospitalization as inpatient  
Standard, Preferred, Platinum: $350 per injury or illness 
Prescription Drugs Covered for all categories with certain predefined limits. Coverage for inpatient and outpatient 
Wellness one routine physical exam covered, except on the Basic plan. Not Covered 
Intercollegiate, Interscholastic, Optional  
Intramural or Club Sports 
Optional Buy-Up: $10,000 (only for Platinum category) Coverage included for  in-network and out-of-network 
Emergency Medical Evacuation Basic:$50,000 Standard: $250,000  
Preferred: $500,000  
Platinum: $500,000 
Covers 100% up to $500,000. 
Dental Treatment Covered up to 1,000 maximum, for dental injury and $100 to alleviate the pain(Only Preferred and Platinum) Coverage for dental injury and $350 for treatment due to unexpected pain to sound natural teeth.
Accidental Death & Dismemberment Basic: Not covered 
Standard: $5,000 Preferred: $25,000 Platinum: $25,000  
100% of the principal sum. Student: $25,000, Spouse: $10,000, Child: $5,000 
Emergency Reunion Basic: $1,500, subject to a maximum of 15 days. 
Standard: $2,500, subject to a maximum of 15 days 
Preferred: $2,500, subject to a maximum of 15 days 
Platinum: $5000, subject to a maximum of 15 days 
Covers 100%  up to $50,000.  
Mental and Nervous Disorder Covered; Refer to Certificate for details.Covered; Refer to brochure for details 
Pregnancy Basic: Not Covered 
Standard: 80% up to $5,000 
Preferred: 80% up to $10,000. 
Platinum: 80% up to $20,000  
Covered up to $5,000 for pre-natal, delivery of a newborn, and post-natal care.  
 Newborn care Not Covered Covered with maximum limit up to $5,000 for newborn routine care during the first 31 days of life 

Brochure link : 


1. How do coverage limits differ between plans? 

Coverage limits vary significantly. Pay close attention to: 

  • Maximum Coverage Amount: The total amount the plan will pay for all covered medical expenses throughout your policy period. 
  • Per-Incident Limits: Specific limits for costs associated with individual incidents (e.g., hospitalization, doctor visits). 
  • Deductible: The amount you must pay upfront before the insurance kicks in. Higher deductibles typically result in lower premiums. 

2. What happens if I need to extend my studies abroad? 

Many plans offer the option to extend your coverage for an additional period. Inquire with your provider about the process and any associated costs for extending your policy. 

3. Is there a grace period for enrolling in international student insurance? 

Some universities might have deadlines for students to enroll in a compliant international student insurance plan. Explore these deadlines and choose a plan that allows sufficient time for processing before your departure. 

4. How does international student insurance differ from travel insurance? 

International student insurance provides broader coverage for the duration of your studies abroad, often including medical evacuation, mental health services, and potential repatriation. Travel insurance, on the other hand, focuses on a shorter travel period and might not offer comprehensive coverage for extended stays. 

5. What happens if I lose my passport while studying abroad? 

Losing your passport abroad can be stressful. While international student insurance typically does not cover replacing a lost passport itself, some plans might offer emergency assistance services to help you contact your embassy and expedite the replacement process. 


Embarking on international studies offers an enriching cultural exchange, but unexpected situations can arise. International student insurance acts as a safeguard, offering financial protection for medical emergencies, trip disruptions, and even accidental damage. To know more about plans, contact NRIOL (