Healthcare in the United States can be expensive — a simple doctor’s visit can cost hundreds of dollars without insurance. That’s why most universities, including Rowan University and Arizona State University, require international students to have valid health insurance during their studies.
Choosing the right student health insurance plan can protect you from high medical costs and give you peace of mind while studying abroad.
Let’s explore the top plans and how to choose one.
Why International Students Need Health Insurance
Here’s why health coverage is important:
- Covers doctor visits, hospital stays, and emergency care
- Protects you from unexpected medical bills
- Often required for student visa (F-1/J-1) compliance
- Access to quality healthcare providers in the U.S.
- Meets your university’s insurance requirements
Best Student Health Insurance Plans
Here are some top insurance plans known for affordability, coverage, and university acceptance:
1. ISO Student Health Insurance – ISO Secure Plan
- Designed specifically for international students
- Meets F-1 and J-1 visa requirements
- Coverage for doctor visits, hospitalization, and prescriptions
- Affordable monthly premium
2. IMG Student Health Advantage
- Comprehensive medical and mental health coverage
- Emergency evacuation and repatriation included
- 24/7 multilingual support
- Accepted by many U.S. universities
3. StudentSecure Select by Tokio Marine HCC
- Coverage up to $500,000
- Includes sports-related injuries and mental health care
- Flexible deductibles and payment options
- Popular among international students
4. Compass Student Health Insurance Plan
- Wide provider network across the U.S.
- Affordable premiums for students
- Covers preventive care, emergencies, and prescriptions
- Easy online enrollment
How to Choose the Right Plan
When comparing plans, check:
- Coverage amount (at least $100,000 recommended)
- Deductible and co-payment costs
- Coverage for mental health, prescriptions, and emergencies
- Whether the plan meets your school’s minimum requirements
- Provider network near your campus
📌 Tip: Some universities automatically enroll you in their health plan, but you can request a waiver if you show proof of comparable private insurance.
Steps to Get Health Insurance as an International Student
- Compare student-specific insurance plans
- Check your university’s health coverage requirements
- Gather documents (passport, I-20, student ID)
- Apply online and pay the premium
- Submit proof of coverage to your university
Final Thoughts
Having health insurance is essential for international students in the USA. It protects you from high medical costs and ensures you get proper care when needed.
If you’re studying at Rowan University, Arizona State University, or any other U.S. school, investing in a good student health insurance plan is one of the smartest financial decisions you can make.