University of Pennsylvania International Student Health Insurance Waiver Guide (2026-2027)

ENROLL TODAY!

You didn't get into a top-tier university by ignoring the data. So, let's look at the numbers for your student health insurance. For the 2026-2027 academic year, the University of Pennsylvania Student Health Insurance Plan (SHIP) costs $5,018. That is a significant expense. But because University of Pennsylvania allows international students to waive out of the school plan if they have comparable coverage, you don't have to pay that price. By switching to the VISIT® ELITE 450 plan, which is designed specifically to meet rigorous university waiver requirements, you can secure premium health coverage for as low as $1,620 per year. That is a direct savings of $3,398.

The Data: Why Switching Makes Financial Sense

As an international student, managing your finances efficiently is critical. Paying thousands of dollars more for the university's default insurance plan when a fully compliant, high-quality alternative exists is an unnecessary expense. VISIT® ELITE 450 provides comprehensive coverage—including mental health, medical evacuation, and repatriation—while keeping your costs low.

The Deadline: Act Before It's Too Late

The strict deadline to submit your health insurance waiver at University of Pennsylvania is August 31, 2026. If you do not submit an approved waiver by this date, you will be automatically enrolled in the expensive university plan, and you will be billed for it. There are no exceptions and no refunds after the deadline.

How to Submit Your Waiver (4 Simple Steps)

1.    Purchase the VISIT® ELITE 450 Plan: Go to VISIT® ELITE 450 and purchase the Elite 450 plan for the 2026-2027 academic year.

2.    Receive Your Documents: Within minutes, you will receive your insurance ID card and the waiver compliance letter via email.

3.    Log Into the Portal: Access the University of Pennsylvania waiver portal at Insurance Navigation | Wellness at Penn

4.    Submit Your Information: Enter your VISIT® insurance details as requested in the portal and submit your waiver before the deadline.

Frequently Asked Questions

Does VISIT® ELITE 450 meet University of Pennsylvania requirements?

Yes. University of Pennsylvania requires plans to have a US-based claims office, comprehensive coverage including mental health, medical evacuation, and repatriation. The VISIT® ELITE 450 plan is specifically designed to meet and exceed these rigorous university standards.

What happens if my waiver is audited or denied?

In the rare event that a university requests additional information, the VISIT® support team will provide the exact documentation needed to ensure your waiver is approved.

Is there a US-based claims office?

Yes, VISIT® operates with a fully US-based claims office, which is a strict requirement for almost all top-tier university waivers.

Money-Back Guarantee

If the school denies your waiver, you may request a refund within the period allowed by the applicable VISIT® terms, provided the plan has not been used. Send the denial notice promptly to info@visitinsurance.com. Review the current refund terms before enrollment.

Disclaimer: Benefits, premiums, deadlines, and waiver criteria are subject to change. Review the policy documents and the university's current requirements. Waiver approval is determined solely by the university or its waiver administrator.