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International

Student Health Insurance

Top-Rated 4.6/5 Star Company

Choose from our top plans for international students seeking medical coverage in the U.S. on F1/F2 or J1/J2 visas (including OPT).

Student Journey Lite

$30/mo $360 for 12 months
Policy Max
$400,000
Per Illness/Injury Max
$150,000
Student Health Center Deductible
$45
Deductible
$100 per injury/illness
Buy Now
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Most Popular

Student Journey Plus

$48/mo $576 for 12 months
Policy Max
Unlimited
Per Illness/Injury Max
$300,000
Student Health Center Deductible
$25
Deductible
$500 per period/in-network
Buy Now
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Recommended

Student Journey Platinum

$74/mo $888 for 12 months
Policy Max
Unlimited
Per Illness/Injury Max
$500,000
Student Health Center Deductible
$15
Deductible
$ 250 per period/in-network
Buy Now
View All Details

Plans are billed as one-time fee. Monthly rates are based on students under the age of 24. Students 25+ can view rates by selecting "Buy Now" and entering their information. Plans above were designed to meet health insurance requirements for J1/J2 visa holders and most F1/F2 visa holders' universities. Please confirm your university's requirements before purchasing a plan.

Stay Safe. Study Smart.

International student health insurance provides the right mix of plan benefits, value, and coverage to keep students safe and healthy while studying abroad. With health insurance plans designed specifically for international and study abroad students and scholars, IMG has done the homework so you don't have to.

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What is Student Health Insurance?

Study Abroad - Health insurance plans for international students provide the right mix of plan benefits, value, and coverage to keep you safe and healthy. IMG student health plans keep your budget healthy too.

Studying abroad is an exciting opportunity, but it also comes with challenges—one of the biggest being access to quality healthcare. Medical expenses in many countries, especially in the U.S., can be overwhelming without proper coverage. Many universities require international students to have health insurance, and even if it’s not mandatory, having a plan ensures you are financially protected against unexpected medical expenses.

With IMG’s student health insurance, you gain access to essential medical services, from routine doctor visits to emergency care. Whether you need treatment for an illness, access to telehealth services, or emergency medical evacuation, IMG has you covered.

Key Features of IMG's Study Abroad Coverage:

  • Doctor visits, hospitalization, and prescription drug coverage
  • 24/7 multilingual support for emergency medical assistance
  • Coverage for mental health support, helping students transition smoothly
  • Access to a provider network that ensures quality care

By choosing an IMG student plan, you can focus on your studies without worrying about medical expenses.

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OPT Students: Extending Your Health Coverage Beyond Graduation - Just because you’ve graduated doesn’t mean you should go without health insurance. If you are on Optional Practical Training (OPT), IMG provides medical insurance solutions designed specifically for recent graduates. Our plans help bridge the gap between student coverage and employer-sponsored health insurance, ensuring you stay protected.

After graduation, your student health plan may no longer be valid, and many OPT participants find themselves in a coverage gap. Since employer-sponsored insurance may not be available immediately, securing a health insurance plan designed for OPT students ensures uninterrupted access to medical care.

Whether you’re applying for jobs or starting your career, you still need access to routine and emergency healthcare services. IMG offers flexible health insurance options that align with the unique needs of international graduates in the U.S.

Key Features of an IMG OPT Health Plan:

  • Coverage for doctor visits, urgent care, and hospitalization
  • Access to prescription medications and preventative care
  • 24/7 access to telemedicine services
  • Emergency medical evacuation and travel assistance

With IMG, you can confidently step into your professional journey knowing that your health is protected.

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Dependents: Health Insurance for Your Family - If you’re an international student or scholar bringing dependents, ensuring they have proper health insurance is essential. IMG provides insurance options for dependents, including spouses and children, offering comprehensive medical coverage.

Many university-sponsored health plans do not extend coverage to dependents, leaving spouses and children vulnerable to high medical costs. Securing a separate health insurance plan ensures that your loved ones have access to the same quality medical care that you do.

From routine checkups to emergency hospital visits, IMG’s dependent coverage ensures that your family receives the necessary medical attention while staying in the U.S.

Key Features of IMG’s Dependent Coverage:

  • Doctor visits and routine checkups
  • Preventative care and vaccinations for children
  • Emergency medical treatment and hospitalization
  • Prescription medication coverage

With IMG’s dependent health insurance, you can focus on your studies while ensuring that your family’s health and well-being are protected.

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J1 Students/Cultural Exchange Participants: Meeting Visa Requirements with Confidence - If you’re in the U.S. on a J-1 visa for a study or cultural exchange program, health insurance is a requirement. IMG’s Student Journey Medical Insurance meets U.S. visa requirements while providing comprehensive benefits, ensuring you have access to medical care without financial worries.

The U.S. Department of State mandates that J-1 visa holders and their dependents maintain health insurance that meets specific coverage levels. Not only does this help protect you from high medical costs, but it also ensures that you receive proper medical care during your exchange program.

IMG’s plans meet or exceed J-1 visa requirements, covering medical expenses, emergency evacuation, and repatriation services. Whether you’re participating in an academic program, research, or cultural exchange, you can rely on IMG for health coverage that fits your needs.

Key Features of an IMG J-1 Plan:

  • Coverage for doctor visits, hospital care, and prescriptions
  • Emergency medical evacuation and repatriation benefits
  • Access to a network of quality healthcare providers
  • 24/7 multilingual support for emergencies

With IMG, J-1 students and cultural exchange participants can focus on their programs with confidence, knowing that they are fully covered for medical needs.

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Why Choose Our Student Insurance?

IMG has been a trusted provider of international health insurance since 1990, offering tailored plans that meet visa and university requirements while keeping your budget in check. With 24/7 multilingual support, access to a global network of healthcare providers, and a seamless claims process, we ensure you receive the care you need. Our plans provide emergency medical coverage, telehealth services, mental health support, and financial protection, so you can focus on your education with peace of mind.

  • Meets Visa & University Requirements

  • 24/7 Global
    Support

  • Emergency &
    Routine Care

  • Mental Health & Telemedicine Services

  • Flexible & Budget-Friendly Plans

The Important Stuff

What factors should I consider?

  • Most Competitive Pricing - IMG offers student health insurance plans that provide essential coverage at an economical price. With flexible options to fit different budgets, students can access quality healthcare without financial strain, ensuring they get the best value for their investment.

  • University Requirements - Our student insurance plans meet the health coverage requirements of most universities and visa regulations, including F-1, J-1, and M-1 students. With IMG, you can enroll in your academic program with confidence, knowing your insurance aligns with institutional standards.

  • Student Waivers - Many universities allow students to waive their school-provided insurance if they have a plan that meets their requirements. IMG’s student health plans are designed to qualify for these waivers, giving students the flexibility to choose affordable, high-quality coverage while complying with university policies.

Interested in higher cover limits?

Kind Words from Happy Customers

  • All information to make a decision was included on the website. There is also a compare function for the plans. Documents and brochures explain the details of travel coverage. Good prices for the amount of coverage.

    Sheri B.

  • The website is very easy to use. I've purchased insurance here six or seven times and I find it very clear.

    Rosalie F.

  • It was fast, easy, and affordable. Had documents with in seconds. Had different options and different addons if needed. Did not give me unnecessary things I did not need.

    KH

  • I have always been satisfied with IMG Global Ins. Great customer service too in case you need help to choose which plan is best for you.

    Ann H.

  • Nice plan helps a lot for customers.

    Karthik B.

  • Clear understanding of the product and limitations. Also, there are clear guidelines for the information required to process the purchase.

    Denise B.

  • Comparing various travel insurance options, IMG offers the best coverage at a good price. Application and purchase process on web site was clear and completed with ease.

    David F.

  • Easy and fast. Convenient and helpful in times of need.

    Pratima K.

  • Easy to understand, cheapest I found compared to other providers.

    Laura R.

  • IMG offers a wide range of travel and medical coverages. Additional information was easy to find and the application process was straight forward.

    Kathy G.
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Preparing for Your Trip

Choosing the Best Travel Protection Plan

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Dealing with Flight Delays & Cancellations

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Staying Protected with Travel Insurance

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Frequently Asked Questions

Check out answers to some of our commonly asked questions.

Student Journey Medical Insurance meets U.S. and U.S. territories J-1 visa requirements, as well as most university requirements for F-1 and M-1 visa holders, including students engaged in an optional practical training (OPT) program. Learn more about how to choose the best international student insurance plan for you.

Student Journey Medical Insurance offers a full range of medical benefits, including student health center visits, emergency services, telehealth, and much more. View all plan benefits here.

View our glossary to help you understand common insurance terms or read International Student Insurance Explained for more information. 

Many universities have their own coverage options for students. However, it's important to know that you don’t always have to buy the university's insurance plan. Most often, you are allowed to buy a policy of your own from another provider to make sure the insurance you buy gives you the coverage you need at the price you want. Confirm your university’s coverage requirements before selecting a plan to make sure your insurance offers appropriate benefits. If you need help choosing an international student health insurance plan, read Choosing the Best International Student Insurance Plan for You.

Yes, if you are actively participating in an OPT or STEM OPT program on an F-1 visa, you are still eligible for coverage with a Student Journey Medical Insurance plan.

IMG Health Insurance offers several advantages over typical university plans. With three flexible options—Student Journey Lite, Plus, and Platinum—you can choose coverage that fits your medical needs and budget. IMG provides 24/7 telehealth services, allowing you to consult with doctors anytime via video or phone, which may not be available in university plans. Our higher medical coverage limits, up to $500,000, can provide more financial protection during emergencies. Additionally, IMG includes mental health support, addressing a crucial aspect of student well-being often overlooked by universities. Choosing IMG means more tailored options, better coverage, and essential services during your time as an international student. Learn more about how to choose the best international student insurance plan for you.

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