International Student Medical Insurance

Assist international students locate lower premium with maximum benefits. Premium may lower than school offers.


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Full-Time Students or Scholars (under age 65) who are studying outside their home country are eligible to buy Study USA-HealthCare:
  • Must be a Full-time Student at a college or university, excluding online colleges and universities, or within 31 days of being a Full-time Student at a college or university
  • Full-time Scholar affiliated with an educational institution and performing work or research for at least 30 hours per week
  • Must not have obtained residency status in the US.
* 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
Who is eligible?
# Basic Standard Preferred Platinum
Overall Maximum Limit $200,000 $200,000 $600,000 $3,000,000
Maximum Injury or Illness $100,000 $100,000 $300,000 $500,000
Pre-Existing Condition Waiting Period No Benefit After 12 months of coverage, up to $500 per certificate period. 6 months 6 months
In-Network Deductible (except Emergency Room) $250 per Injury or Illness with the Preferred Provider Organization or Student Health Center; otherwise $500 per Injury or Illness $100 per Injury or Illness with the Preferred Provider Organization or Student Health Center; otherwise $250 per Injury or Illness $50 per Injury or Illness with the Preferred Provider Organization or Student Health Center; otherwise $150 per Injury or Illness $25 per Injury or Illness with the Preferred Provider Organization or Student Health Center; otherwise $100 per Injury or Illness
Emergency Room Deductible $500 per incident $350 per incident $250 per incident $100 per incident
Coinsurance 80% of eligible expenses after deductible up to the overall max limit 80% in network/ Usual, reasonable and customary outside of network 80% in network to $25K/Usual, reasonable and customary outside of network 85% of the first $10k in network/Usual, reasonable and customary outside of network
Prescription Drugs (Outpatient) 50% $30 copay generic / $100 copay brand name $15 copay generic / $50 copay brand name $15 copay generic / $30 copay brand name
Wellness N/A 100% of one routine physical exam per member 100% of one routine physical exam per member 100% of one routine physical exam per member
Vaccinations N/A N/A N/A Optional buyup
Physical Therapy & Chiropractic Care $25 per visit per day. Must be ordered in advance by a physician and not obtained at a student health center. $50 per visit per day. $50 per visit per day. $75 per visit per day.
Dental Treatment (Due to Accident) N/A N/A $1,000 maximum per certificate period $1,000 maximum per certificate period
Dental Treatment (to alleviate pain) N/A N/A $100 $100
Mental Health Disorders (Excludes drug and alcohol abuse) Outpatient: $50 maximum per day, $500 maximum. Inpatient: up to $5,000 Outpatient: $50 maximum per day, $500 maximum. Inpatient: up to $5,000 Outpatient: $50 maximum per day, $500 maximum. Inpatient: up to $10,000 80% in network; Out of network: Usual, reasonable and customary. Outpatient: Maximum of 30 visits. Inpatient: Maximum of 30 days.
Emergency Medical Evacuation $50,000 lifetime maximum $250,000 lifetime maximum $500,000 lifetime maximum $500,000 lifetime maximum
Accidental Death & Dismemberment Not Covered $5,000 lifetime maximum $25,000 lifetime maximum $25,000 lifetime maximum
Repatriation of Remains $25,000 lifetime maximum $25,000 lifetime maximum $25,000 lifetime maximum $50,000 lifetime maximum
Maternity Care for Covered Pregnancy N/A 80% up to $5,000. 80% up to $10,000. 80% up to $20,000.
Intramural, Intercollegiate, Interscholastic or Club Sports Not Covered Not Covered Not Covered Optional Buyup: $10,000
Terrorism Not Covered Not Covered $50,000 lifetime maximum $50,000 lifetime maximum
Emergency Reunion $1,500, subject to a maximum of 15 days $2,500, subject to a maximum of 15 days $2,500, subject to a maximum of 15 days $5,000, subject to a maximum of 15 days
Description of Coverage PDF PDF PDF PDF
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Plan Benefit

  Complete and sign a Claim Form, include itemized bills from physicians, hospitals, etc. and receipts for any expenses you paid. Mail or submit all items online to the insurer.

Mail

      WorldTrips
      P.O. Box 2005
      Farmington Hills, MI 48333 USA
Claim Procedure
Claim Form
  • You can click【International Student Medical Insurance】and complete the online application form on the insurance company website
  • You can contact us via phone, wechat or e-mail. Our representative will assist you. Once the application is submitted, you will receive confirmation e-mail from the insurance company within 24 hours.
Apply

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Application Demo

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Provider Search

Full-Time Students or Scholars (under age 65) who are studying outside their home country for the purpose of pursuing international educational activities are eligible to buy Study USA-HealthCare:

Must be a Full-time Student at a college or university, excluding online colleges and universities, or within 31 days of being a Full-time Student at a college or university; or must be a Full-time Scholar affiliated with an educational institution and performing work or research for at least 30 hours per week. The Full-time Student/Scholar status requirement is waived for Participants within the US holding a valid F-1 visa. Full-time status requirements remain in force for individuals holding M-1, J-1, or other category visas; and must not have obtained residency status in the US.

Yes. Spouse and/or unmarried children (under age 19) of enrolled student can be enrolled for insurance with the student's initial enrollment, or within 31 days of birth, legal adoption, marriage or arrival in country of study. Dependents must be temporarily be located outside their home country, and must not have obtained residency status in the host country. If your dependents are not eligible for Study USA-HealthCare, they can enroll in one of our other plans for people outside their home country.

First, purchase Study USA HealthCare Insurance. After your purchase, simply fill in your portion of your school's Compliance or Waiver Form, sign it, and fax it to us at (610) 537-9851 or email it to susaforms@travelinsure.com. Study USA will complete it and fax it back to your school for you within one business day.

Yes. You can enroll in Study USA-HealthCare regardless of how long you have been studying outside your home country, as long as you fulfill the eligibility requirements in Question 1 above.

Yes - Study USA-HealthCare can be renewed for up to 4 years, as long as you fulfill the eligibility requirements in Question 1 above.

Pre-existing Condition means any:
(1) condition for which medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received during the 12 months immediately preceding the certificate effective date; (2) condition that had manifested itself in such a manner that would have caused a reasonably prudent person to seek medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) within the 12 months immediately preceding the certificate effective date; (3) injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 12 months immediately preceding the certificate effective date. Pre-existing conditions are excluded during the waiting period. For Study USA-HealthCare Standard, the waiting period is 12 months. For Study USA-HealthCare Preferred & Platinum, the waiting period is 6 months. The Study USA-HealthCare Basic plan does not have coverage for pre-existing conditions. See Study USA-HealthCare's complete list of General Exclusions in the Description of Coverage document for each plan.

Yes, under the Study USA Standard, Preferred and Platinum plan levels, the pregnancy of an insured student or enrolled spouse is covered if the conception of pregnancy occurs after the effective date of coverage. It does not cover the pregnancy of a dependent child. For details, please refer to the Description of Coverage.

Yes, Study USA-HealthCare covers the Insured worldwide, except in their home country. For each 3 months of coverage with Study USA-HealthCare, the insured is eligible for no more than 15 days of home country coverage.

Doctors (providers)/Hospitals can be find thru this link UnitedHealthCare Global or for a complete listing of Preferred Provider participants please contact WorldTrips, inside the U.S. at 1-800-605-2282, or from outside the U.S. at 1-317-262-2132.