It’s finally time to fulfill a dream! Studying abroad can be fascinating for anyone who needs new adventures and experiences. While it’s all well and good to get excited, it’s also essential to think about the important things like student insurance.
It would help if you thought about your health and safety when you are so far away from home. International student insurance will guarantee your protection while in the United States.
Get peace of mind with a good insurance plan from the best insurance company in the country. Even save money in the process. We will give you some tips and show you the best companies to achieve this. Overall, it will be easy to choose.
Decide the best student insurance this way
There are several factors to consider when paying for health insurance as an international student. Here are some of them:
What does the insurance cover?
The first significant factor is health insurance coverage. Student insurance is a protection you will have during your stay in the country; you will be many days, months, or years with the company in question.
In that case, make sure you have a traditional coverage where doctor visits, prescriptions, and hospitalizations are included. Look for a high policy to cover any eventuality.
Even as fatalistic as it may seem, you can decide on an insurance policy that includes emergency medical evacuation and repatriation of remains. In the end, everything is uncertain in life.
Duration of the plan
Some insurers offer very short plans to force you to renew them. It is best to pay for one that lasts up to 5 years to avoid overpayments. Furthermore, we do not recommend you to change plans constantly. Choose one that will last over time.
Establish a budget
When planning your trip, set a budget for your health insurance, but don’t worry because it should not be too high. Generally, you will have affordable deals because of your age, especially when being in good health.
Have a minimum savings of $1500 to guarantee the monthly payment of the policy and cover any eventuality. Health is paramount.
What are the requirements?
It is a mistake to go to a new country without your insurance, but much worse is not knowing the requirements to buy one. The insurance company will ask you for your personal information such as name and surname, age, date of birth, pathologies, and your student papers, including your visa.
Moreover, evaluate what cancellation policy they have because anything can happen. You don’t want to lose money in case the trip is canceled.
The best insurance companies to choose from
You will find many options in the insurance market, but not all of them are reliable. Below, we’ll introduce you to six of the best prospects in the United States.
Compass Student Insurance
Compass Student Insurance will offer you several packages to cover all your needs during your stay in the United States as an international student. The prices are affordable. For example, the Care Plan Basic is priced at $35 per month.
You will have maximum coverage of $100,000 per injury in the basic plan. You can also choose the Care Plus Plan, which is $20 per month and has more benefits. The company offers a sports plan for athletes and the Benchmark Plan.
It is a company that offers you the opportunity to control your upfront payments with more flexible deductibles. It is possible to pay monthly, quarterly, or annually, depending on your budget and chosen plan.
One of Cigna Mundial’s great advantages is that you do not pay for the consultation and then ask them for a refund. In this case, they will pay for it directly; you will do nothing.
The attention is 24 hours, and you will select between three different plans: silver, gold, and platinum. In addition, you will receive care in more than 3,000 partner hospitals.
Aetna teams up with more than 200 universities to enroll their international students in the various policies. Attending an educational entity associated with the company in question will help you greatly.
With four different plans, ISO offers you guarantees. Buy the one you prefer: Essential, J1 Exchange, OPT Student, and Compass PPO. It doesn’t matter where you are from because it has multilingual support.
At IMGlobal, you will find three different programs: Patriot Exchange, Student Health Advantage, and Student Health Advantage Platinum. There are more than 17,000 doctors in the network worldwide. It will be a great choice when it comes to insurance.
It is one of the best companies. They offer personalized care 24 hours a day and can pay plans to be made for five people or more.
Foyer Global Health
Another company capable of offering 24-hour care via e-mail or telephone. It has a large list of medical specialists to help you and improve any aspect. You will have the possibility to customize your coverage according to your needs.
You will get quotes easily, and among the plans are surgeries, consultations, and dental treatments. In addition, it is one of the few companies with repatriation and evacuation insurance.