International Student Insurance
Verity Benefits Group can help protect your health and financial well-being during your stay.
Studying in the U.S.?
You Need Health Insurance
Health insurance is an important requirement for most international students. Most international students must have health insurance while in the U.S. according to one or more of the following:
- Visa rules (especially J-1 exchange visitors)
- University requirements (applies to most F-1 and M-1 students)
- Program travel, sports, internships, or other school activities
You may need to provide proof of insurance before:
- Class registration
- Visa approval or arrival check-in
- Participating in campus programs
What Should Your Plan Cover?
A good student health plan typically includes:
- Doctor visits, urgent care, hospitalization & emergencies
- Prescription medications
- Mental health services
- Pre-existing condition coverage (after any waiting period)
- Sports/activity injury protection (if applicable)
- Direct billing with U.S. providers
- 24/7 support for medical needs
If you are a J-1 Exchange Visitor, U.S. regulations also require:
| Required Protection | Minimum U.S. Standard |
|---|---|
| Medical benefits | $100,000 per illness or injury |
| Emergency medical evacuation | $50,000 |
| Repatriation of remains | $25,000 |
| Deductible | $500 or less |
| Co-insurance | Student pays no more than 25% after deductible |
Recommended Coverage by Visa Type
F-1 / M-1 Academic Students
University-approved comprehensive plan covering illnesses, injuries & ongoing care
J-1 Exchange Visitors (students, interns, research scholars)
Plan that meets U.S. government requirements for coverage & evacuation
F-2 / J-2 Dependents
Must also be covered during stay in the U.S.
Short-Term Study / Study-Abroad
Basic medical coverage for travel, classes, and activities
Why Choose a Specialized International Student Plan?
These plans are designed for:
- Fast access to care near campus
- Lower out-of-pocket costs
- Visa and school requirement compliance
- Multi-language support
- Easy proof of coverage for enrollment
Let Us Help You Get Covered
As an approved broker for global student coverage, we can:
- Recommend a plan that meets your school’s rules
- Assist with waivers if a university requires proof
- Help with claims and reimbursement
- Offer options for dependents or extended stays