No School Requirement? Here's Why You Still Need Health Insurance in the US
- lori683
- 2 days ago
- 2 min read
Many international students are excited to learn that their college or university does not require them to purchase a health insurance plan. While that may seem like a way to save money, going without coverage can be one of the most expensive decisions you make.
Healthcare in the United States is among the most expensive in the world. An unexpected illness, sports injury, or trip to the emergency room can quickly result in medical bills costing thousands of dollars.
The good news? Affordable international student health insurance plans are available to help protect both your health and your finances.
Why You Should Still Have Health Insurance
Even if your school doesn't require insurance, having a plan can help cover expenses for:
Doctor visits
Urgent care
Emergency room treatment
Hospital stays
Prescription medications
Medical evacuation and repatriation benefits (on select plans)
For just a few dollars a day—or even less—you can avoid the financial burden of unexpected medical expenses.
Budget-Friendly Student Plans
Our basic international student health insurance plans offer excellent value, with coverage starting at just $35 per month for students ages 0–25.
Plan | Starting Monthly Price | Medical Maximum | Deductible | Best For |
$35 | $100,000 | $0 | Students looking for the lowest-cost option | |
$61 | $200,000 | $0 | Students wanting higher coverage at an affordable price | |
Starting at $46 | Up to $1,000,000 | $0, $100, $250, or $500 | Students who want flexible deductibles and higher coverage limits | |
Starting at $52 | Up to $500,000 | $0, $100, $250, or $500 | Exchange students seeking comprehensive coverage |
Rates shown are 30-day rates for students ages 0–25. Explorer and Patriot Exchange premiums vary based on the deductible selected.
Which Plan is Right for You? StudentSecure Smart
Perfect for budget-conscious students, this plan includes:
$100,000 medical maximum
$0 deductible
Doctor and urgent care copays
UnitedHealthcare PPO Network
A step up in coverage with:
$200,000 medical maximum
$0 deductible
Lower doctor visit copays than Smart
UnitedHealthcare PPO Network
A flexible option offering:
Medical maximums up to $1,000,000
Choice of four deductible levels
100% coinsurance
UnitedHealthcare PPO Network
Designed for exchange students, featuring:
Medical maximums up to $500,000
Multiple deductible options
Medical repatriation benefits
UnitedHealthcare PPO Network
Don't Let "Optional" Become Expensive
Just because your school doesn't require health insurance doesn't mean you should go without it. One unexpected accident or illness can cost far more than an entire year's worth of insurance premiums.
With plans starting at just $35 per month, protecting your health—and your budget—has never been more affordable.
Get Covered Today
Compare our affordable international student health insurance plans and choose the coverage that's right for your budget, your school, and your peace of mind. Your education is an investment—make sure your health is protected too.
Review all our student plans at www.visitinsurance.com/student
Have Questions? VISIT is here to help!
Phone: 703-660-9062
Email: info@visitinsurance.com