Every student participating in an exchange visit or period of study at a university in the United States is required to have exchange visitor insurance. This applies to US students who are studying abroad at an overseas university and to international students who are coming to the United States to study at university or college. There are a variety of plans available for international students and US students expanding their horizons abroad. The best way to choose the right plan for you is to look at the coverage on offer and decide which best suits your needs.
Exchange visitor insurance plans are specifically designed for the needs of students and cover a range of health benefits. The plans are designed to cover students for expenses arising from unforeseen medical emergencies as a result of accidents or illnesses while studying abroad.
Coverage includes money for doctor’s office visits and hospital fees, dental expenses while studying or travelling abroad, and prescription drug costs. The insurance also covers you for emergency medical needs such as emergency evacuation or hospital visits. Further benefits include coverage for accidental death and dismemberment, and repatriation. Taken together, these benefits add up to a comprehensive plan for the student living in a different part of the world. You can buy the insurance prior to travel or once you have started your studies.
Specialist student plans are designed to meet the needs of governments and universities and they are easy to purchase. Look for insurance plans from insurance companies with high financial ratings which offer direct claims settlement. Many plans allow you to choose your deductibles ranging from zero dollars to $2,500. A reputable insurer has experience dealing with doctors and hospitals around the world and is able to advise on cover for the region you are travelling to.