Study USA Insurance Reviews

Best for F1 & J1 students visa holdersMaternityPre-existing conditionsCovid19 coverage

How much does student health insurance USA cost?

Study USA international student health insurance review

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Age
Spouse
Start Date
End Date
Destination
Citizenship
Study USA Basic
Plan Maximum
$100,000
Deductible
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Study USA Standard
Plan Maximum
$100,000
Deductible
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Study USA Preferred
Plan Maximum
$300,000
Deductible
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Study USA Platinum
Plan Maximum
$500,000
Deductible
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  Covid19 coverage
No Coverage Covered as any other illness Covered as any other illness Covered as any other illness
  Maximum per injury or illness
$100,000 $100,000 $300,000 $500,000
  Overall Maximum Limit
$200,000 $200,000 $600,000 $3,000,000
  Coinsurance inside the U.S.
In network: 80% after deductible, up to overall maximum limit
Out of Network: Plan pays 100%
In network: 80% after deductible, up to overall maximum limit
Out of Network: Plan pays 100%
In network: 80% after deductible, up to $25,000, then overall maximum limit
Out of Network: Plan pays 100%
In network: 80% after deductible, up to $10,000, then overall maximum limit
Out of Network: Plan pays 100%
  Coinsurance outside the U.S.
Plan pays 100% Plan pays 100% Plan pays 100% Plan pays 100%
  Deductible (except emergency room)
$250 in network / $500 out of network $100 in network / $250 out of network $50 in network / $150 out of network $25 in network / $100 out of network
  ER Deductible
$500 per incident $350 per incident $250 per incident $100 per incident
  Maternity Care
Maternity Care for a Covered Pregnancy
Not Available We will pay:
Within the PPO: 80% of eligible expenses, after the deductible, up to $8,000.
Outside the PPO: Usual, reasonable, and customary up to $8,000. You may be responsible for any charges exceeding the payable amount.
Outside the U.S.: 100% coinsurance, after the deductible, up to $8,000
We will pay:
Within the PPO: 80% of eligible expenses, after the deductible, up to $15,000.
Outside the PPO: Usual, reasonable, and customary up to $15,000. You may be responsible for any charges exceeding the payable amount.
Outside the U.S.: 100% coinsurance, after the deductible, up to $15,000.
We will pay:
Within the PPO: 80% of eligible expenses, after the deductible, up to $25,000.
Outside the PPO: Usual, reasonable, and customary up to $25,000. You may be responsible for any charges exceeding the payable amount.
Outside the U.S.: 100% coinsurance, after the deductible, up to $25,000.
Nursery Care of Newborn
Not Available Up to $250 - not subject to coinsurance Up to $750 - not subject to coinsurance Up to $750 - not subject to coinsurance
Therapeutic Termination of Pregnancy
Not Available Up to $500 - not subject to coinsurance Up to $500 - not subject to coinsurance Up to $500 - not subject to coinsurance
  Emergency Services
Emergency local ambulance
$300 per injury or illness $350 per injury or illness $350 per injury or illness $350 per injury or illness
  Dental
Dental Treatment due to Alleviate pain
Not Available Not Available $100 $100
Dental Treatment - Due to Accident
Not Available Not Available $1,000 maximum per certificate period $1,000 maximum per certificate period
  Pre-Existing Condition
Pre-existing Conditions Waiting Period
No Coverage $500 maximum per certificate period; 12 months waiting period 12 months waiting period 6 months waiting period
  Life
Accidental Death and Dismemberment
Not Available Up to $5,000 lifetime maximum Up to $25,000 lifetime maximum Up to $25,000 lifetime maximum
  Evacuation
Emergency medical evacuation
Up to the overall maximum limit Up to the overall maximum limit Up to the overall maximum limit Up to the overall maximum limit
Emergency reunion
Up to $1,500, maximum of 15 days Up to $2,500, maximum of 15 days Up to $2,500, maximum of 15 days Up to $5,000, maximum of 15 days
Return of mortal remains or cremation/burial
Up to $25,000 lifetime maximum Up to $25,000 lifetime maximum Up to $25,000 lifetime maximum Up to $50,000 lifetime maximum
Terrorism
Not Available Not Available Up to $50,000 lifetime maximum Up to $50,000 lifetime maximum
Prescription Drugs
For outpatient prescription 50% of actual charges $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
Mental Health Disorders (excludes drug abuse and alcohol abuse)
Treatment must not be provided at a student health center.
Outpatient: $50 maximum per day, $500 maximum.
Inpatient: Up to $5,000
Treatment must not be provided at a student health center.
Outpatient: $50 maximum per day, $500 maximum.
Inpatient: Up to $5,000
Treatment must not be provided at a student health center.
Outpatient: $50 maximum per day, $500 maximum.
Inpatient: Up to $10,000
We will pay: Within the PPO: 80% of eligible expenses, after the deductible, up to the overall maximum.
Outside the PPO: Usual, reasonable, and customary up to the overall maximum. You may be responsible for any charges exceeding the payable amount.
Outside the U.S.: 100% coinsurance, after the deductible, up to the overall maximum.
Outpatient: Maximum of 30 visits.
Inpatient: Maximum of 30 days.
Treatment must not be provided at a student health center.
Outpatient Treatment
Up to the overall maximum limit Up to the overall maximum limit Up to the overall maximum limit Up to the overall maximum limit
  Sports
Intercollegiate, interscholastic, intramural or club sports
Not Available Not Available Not Available Optional Buy-Up: $10,000
Sports & Activities - Leisure, Recreational, Entertainment, or Fitness
Up to the overall maximum limit Up to the overall maximum limit Up to the overall maximum limit Up to the overall maximum limit
Optional Vaccination Benefit Rider
Not Available Not Available Not Available Up to $150. Covered vaccinations and testing are: Measles, Mumps, Rubella (MMR); Tetanus/Diphtheria/Pertussis (TDAP); Chicken Pox (Varicella); Hepatitis B; and Meningitis (Meningococcal MCV4 and B) - not subject to deductible or coinsurance

Key benefits of Study USA Insurance

Ideal for J1 and F1 visa requirements

Comprehensive plan

Pre-existing conditions

Renewability

Maternity Care

Emergency Health Care

Study USA Links

  • Brochure
  • Advantages
  • Disadvantages
  • Comprehensive
  • Descriptions
  • Claims
  • Renewal
  • Provider network

Study USA international student insurance reviews

  • Ideal for J1 and F1 visa holders who are engaged in a full-time educational program.
  • Meets most requirements set by: Department of State, USCIS, NAFSA and University Study Abroad Programs.
  • Provides coverage for pre-existing conditions after 6 or 12 months of continuous coverage.
  • Can be renewed up to four years of continuous coverage.
  • Study USA Insurance Carrier: Travel Insurance Services.

Travel Insure international student health insurance for Coronavirus

Covid student health insurance by Study USA (Plus, Preferred and Platinum plans ONLY) offers international student health insurance with coronavirus coverage for students outside their home country.

Travel insure Covid19 travel insurance renewal or extension of insurance

During this pandemic, many students may be stuck in their destination country and unable to fly home due to travel restrictions. Students enrolled in the Study USA plans and they need to extend their stay in the U.S. until they can get a flight, they can extend their insurance policy accordingly.

To extend a Study USA policy, please renew Study USA insurance online.

Study USA Insurance - Key highlights

  • This is a comprehensive trip cancellation plan for US residents.
  • The trip cancellation coverage is available for 100% trip cost up to $15,000 max with the Basic plan, 100% trip cost up to $100,000 with the Travel Select Plus and Elite plans.
  • The trip interruption coverage is available for 100% trip cost up to $15,000 with the Basic plan, 125% trip cost up to $125,000 with the Plus plan and 150% trip cost up to $150,000 with the Elite plan.
  • Missed Connection benefit is available for $500 with the Basic plan and $1000 with the Plus plan and $1500 with the Elite plan.
  • Emergency Medical Evacuation, Repatriation of Remains is covered up to $100,000 with the Basic plan, $500,000 with the Plus plan and $1,000,000 with the Elite plan.
  • Travel Delay benefit is available for $500(up to $100 per day)with the Basic plan and $1000(up to $200 per day)with the Plus plan and $1500(up to $250 per day) with the Elite plan.
  • Baggage and Personal effects benefit is available for $500 with the Basic plan and $1000 with the Plus plan and $2500 with the Elite plan.
  • Accidental Death and Dismemberment benefit is available for $25000 with the Plus plan and $50000 with the Elite plan.This is not available for the Basic plan.

What are some insurance terms important in Study USA Insurance reviews

Plan Maximum coverage of Study USA student insurance:

This the maximum coverage that the plan would offer for the medical expenses. Study USA insurance offers plan maximum coverage of $200,000, $600,000 and $3,000,000 are available.

What is a deductible in Study USA visitors insurance?

This is the initial amount the student needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible.Study USA insurance has deductible options are $25, $50, $100 and $250.

What is a provider network of Study USA Medical Insurance?

It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.

What is coinsurance in Study USA visitor insurance?

For coverage inside USA:
Study USA insurance pays
IN PPO NETWORK
Plan pays 80% after deductible, up to overall maximum limit.
OUT OF PPO NETWORK
Plan pays 100%.

Renewability of Study USA student health insurance

Study USA Insurance plan up to 364 consecutive days of coverage and can be renewed up to four years of continuous coverage.

Eligibility to buy Study USA Insurance Online

It is an ideal for J1 and F1 visa holders who are engaged in a full-time educational program.

Pre-existing conditions of Study USA Insurance Online

Study USA Standard and Study USA Preferred plans have 12 months waiting period while Study USA Platinum plan have 6 months waiting period for pre-existing conditions

Underwriter and Rating of Study USA student health insurance

Study USA Insurance underwritten by HCC Lloyd’s Syndicate 4141 and rating "A" (Excellent) by AM Best Rating.

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Study USA Insurance Information

  • Study USA Insurance Advantages

    • Study USA Insurance Covid19 travel insurance by Travel Insure for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.
    • Comprehensive coverage plan with benefits per incident.
    • This plan covers international students studying in US and US students studying outside the US.
    • Meets JVisa requirements.
    • Option for family coverage.
    • This plan meets most of the requirements set by Department of State, Immigration and naturalization services, NAFSA and university study abroad programs.
    • Initially can be purchased for one year and can be renewed later.
    • Policy has to be renewed within 30 days following the end of their current coverage period to avoid a lapse in coverage.
    • This plan covers for repatriation of remains, medical evacuation, AD&D, mental or nervous disorders and alcohol & substance abuse benefits, concierge services, dental treatment, therapeutic termination of pregnancy and ID theft service.
    • Copay for prescription drugs-After you pay the deductible, $10 for generic and $20 for brand names.
    • For medical expenses up to $25,000, coinsurance within the network or outside the US, plan pays 80% and then pays up to 100% of covered expenses. Coinsurance out of the PPO network, plan pays 70% of the eligible medical expenses.
    • Waiver of deductible if medical service is first received from the student health center.
    • Round the clock emergency assistance for medical services, arranging communication between insured, insured family, doctors, legal emergencies etc.
  • Study USA Insurance Disadvantages

    • The benefit for US students studying abroad is only $5000 for mental or nervous disorders and alcohol & substance abuse benefits.
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A working example of using Study USA student insurance

Let us take an example: The medical bill is $25,000; Deductible is $100 and choosen Policy Maximum is $50,000.
  • Insurance coverage is $50,000
  • Deductible is $100 per certificate period
  • Coinsurance for claims incurred inside Outside U.S:After the deductible, The plan will pay 100% up to the policy limit
  • Your claims for medical expenses is $25,000

The Study USA student insurance plan covers set amount up to a maximum of $50,000. The insured must pay the deductible ($250). After that, the insurance company pays fixed amount as defined in the policy for specific treatment. In hypothetical case, the insured has to pay the difference between the amount insurance pays and the actual billed amount.

Expense Amount billed Amount Insurance Pays Amount Insured Owes
Hospital Room Rent $9,000 $8,000 $0
Surgery $15,000 $15,000 $0
X Ray $1,000 $1,000 $0
Total $25,000 $25,000 $0
* Disclaimer:- We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.

Study USA insurance for international students studying in the USA - FAQs

01. Is Travel Insurance Services a reliable insurance company?

Travel Insurance Services is a member company of the USI Holdings Corporation which was established in 1973 .TIS being a national insurance agency in Philadelphia –PA offers travel insurance solutions for individuals, groups and organizations worldwide. TIS have administered innovative travel insurance covers for International travelers .

They offer travel medical coverage for foreign nationals and temporary residents who otherwise were not insured while visiting the US. Travelers can customize the plans according to their travel needs. They have a good worldwide network of physicians, hospitals and pharmacies that are very well recognized.

02. What are the benefits of Study USA insurance?

WorldMed Insurance is an international travel health insurance for people traveling outside their home country and is available to both US and Non US citizens.

Green Card holders in the USA and new immigrants are not eligible to purchase WorldMed Medical travel america insurance. This includes coverage for medical expenses, evacuation, repatriation, emergency reunion, pre-existing conditions and other related benefits.

03. What is the coverage area of WorldMed travel insurance?

Worldmed is international health insurance for people traveling outside their home country and is available to both US and Non US citizens.

04. How much does Study USA insurance cost?

The cost of the Study USA insurance will vary depending on the age of the traveler, the type of coverage, the travel destination and the duration of travel. Typically, visitors travel insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers.

05. How do I purchase Study USA insurance?

You can purchase Travel Insure services on American Visitor Insurance at buy Study USA insurance. You can also call them at (877)-340-7910 to get more information on how to apply for Study USA insurance from licensed insurance agents.

06. What are the requirements for applying for Study USA insurance?

The main requirements for applying for Study USA insurance is the travelers passport details and the travel dates. You can apply for Study USA insurance online on American Visitor Insurance or call (877)-340-7910 to get help while applying.

07. Is there coverage for Covid-19 illness in Travel Insurance Services travel insurance?

Yes, Travel Insurance services offers covid 19 travel insurance for coronavirus with their Travel Insure insurance plans.

08. Is there a Cancel for any reason insurance cover with Travel Insure travel insurance?

Travel Insurance Select Elite Insurance has Cancel for any reason benefit which can be included at an additional cost within 21 days of the initial trip deposit/payment. To get the CFAR benefit travelers must cancel the trip at least two days prior to the scheduled departure date.

09. Is a Travel Insure service a good company?

Travels insure is a member of USI Affinity Travel Insurance, who has 40+ years of expertise to help travelers find the insurance coverage required for an international trip.

10. Can I purchase travel insurance from Travel Insure?

Travel Insure is one the most reputed travel insurance providers of the USA offering international travel insurance. USI Affinity Travel Insurance Services has served travelers since 1973 offering protection while traveling outside of one's own country. It offers coverage for a business trip, vacation or even relocating abroad to live or to study.

11. What cover do Travel Insure services offer in Covid travel insurance? Does it have Quarantine coverage for US travelers?

Travel Insure offers Covid 19 coverage in their Travel Insurance Select Elite plan with Quarantine coverage as any other illness under the Medical Expense maximum. Covid Quarantine Benefit in the Travel Insurance Select Elite plan provides coverage for accommodations due to a covered Trip Delay $2,000/$250 per person per day is included in the basic coverage. Travel Insurance Select Elite is available for US residents.

12. Why should I buy travel insurance from Travel Insure services?

Travel insure services offer worldwide coverage with adequate coverage with an affordable price. Travelers can get travel insurance, trip insurance for trip cancellation or trip interruption, international student insurance, group travel insurance and many more for international travelers to the USA and for individuals traveling abroad.

13. Does Study USA Insurance cover covid illness?

Travel Insure Covid19 travel insurance by Study USA Insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

14. Can I buy Study USA if I am already outside my home country and studying?

Yes, you can buy Study USA insurance as long as you satisfy the eligibility requirements.

15. Can the Study USA insurance plan be renewed?

Yes, the Study USA plan can be renewed up to a period of 4 years as long as the eligibility requirements are satisfied.

16. How do I renew my coverage?

The Study USA plan can be renewed before the existing policy expires. You can renew the plan at
Study USA Renewal

17. While renewing the Study USA plan, can an eligible dependent be added?

Yes, an eligible spouse or child can be added to the plan while renewing it.

18. How does the insurance cover my expenses whether I treated in the student health center, inside a PPO network or outside PPO network?

For Non US students in USA
Treatment at the student health center can enjoy the in-network benefit.
Treatment within the PPO network - Expenses are covered at a lower deductible and coinsurance than when you get treated outside network.
The student can also visit any doctor or hospital by contacting the Emergency Assistance Company who will help you find a doctor or hospital.

For US students studying outside USA
Treatment at student health center or any doctor or hospital can enjoy the in-network benefit.
If treated at a student health center first can waive the deductibles.
The student can also visit any doctor or hospital by contacting the Emergency Assistance Company who will help you find a doctor or hospital.

19. Are pre-existing conditions covered by Study USA?

Yes, pre-existing conditions are covered after a waiting period of a minimum of 6 months

20. Is pregnancy covered by Study USA?

Yes, pregnancy is covered if the conception occurs after the plan effective date.
No coverage for pregnancy of the dependent child.

21. Does Study USA cover travel outside US?

Yes Study USA offers worldwide coverage for students outside their home country.
For every 3 months of coverage, Study USA offers 15 days of coverage in the home country.

23. What are the hospitalization expenses that must be pre-certified?

The following expenses must always be pre-certified:

  • Inpatient care
  • Any Surgery or Surgical Procedure
  • Care in an Extended Care Facility
  • Home Nursing Care
  • Durable Medical Equipment
  • Artificial limbs
  • Computerized Tomography (CAT Scan)
  • Magnetic Resonance Imaging (MRI)
  • Maternity
  • Newborn care

24. If there are no in-network doctors or hospitals in my area, where can I get the treatment?

You can use an out-of network doctor or and out-of network benefits will be paid.

25. If there are changes in my policy how do I get it corrected?

The corrections can be sent to susa@travelinsure.com, or by fax or mail and they will confirm the corrections.
Please send the applicant's name, a daytime phone number and reference your Transaction Number.
Contact Information:
Email: susa@travelinsure.com
Fax: 610-537-9828
Mail: Travel Insurance Services
3070 Riverside Drive
Columbus, OH 43221
USA
If there is a rise in premium, payment can be done by fax or mail. When sending credit card details, please include the credit card number, expiration date, security code, and a statement authorizing Travel Insurance Services to charge the additional amount.

Travel Insure - Provider network and how to find hospital or doctor?

Travel Insure maintains a wide network of health care providers. There are 2 options: First Health care network and United health care.
You can choose your provider of your choice. You need to check your insurance card to find any one of the below 2 logos:
United Healthcare Provider NetworkUnited Healthcare Provider Network

Travel Insure travel insurance Links