For students who are planning to study abroad, making sure you have the right international health and travel insurance plan in place is sometimes not your highest priority. Most students do not think they will need coverage, or you may just leave it to the last minute and not have the time to research all the plans to find the best option. The InternationalStudent.com Study Abroad Center is here to help you by taking the time to do the research for you - and we have located a range of plans that are ideal for students studying abroad and offer the highest quality coverage at the right price
The Student Secure plan is a monthly international student health insurance plan that is ideal for students who are undertaking a study abroad program outside of the USA. The plan offers fantastic benefits such as hospitalization coverage, prescription medication, doctors visits, mental health coverage, maternity, sports coverage, evacuation and much more. You can purchase the plan in monthly increments, pay monthly and it is renewable if you need further coverage. It offer the ultimate flexibility for students.
The Atlas International plan is ideal for students who are looking for more travel related benefits and do not need the flexibilty of the student secure to pay monthly and do not require benefits such as mental health, maternity, etc... You can purchase the plan from 5 days up to 1 year, and can renew if you purchase at least 3 months at the beginning. The plan provides coverage for hospitalization, doctors visits, prescription medication, evacuation, repatriation, trip interuption, lost luggage and much more.
Study Abroad Insurance Tips
When looking for study abroad insurance, you will know that there are many plans available - here are a few tips to help you look for the right insurance plan:
- All insurance carriers are rated by either AM Best or Standard and Poors - some countries will require your insurance plan be rated above a certain level so be sure to check this out.
- Make sure you read the exclusions - all plans will have exclusions, some will be more stringent than others, so be sure to check them out and make sure you understand what is not covered under the plan.
- Does the plan participate in a network - some plans have a PPO network which is a network of doctors/ hospitals, and they will require you to visit these providers, and other plans will not restrict you to any provider in particular so you will need to check that out.
- 24 hour assistance - most plans will offer you 24 hour assistance service, which is standard on all plan, but make sure you can easily call them from the country you are located in.
- How claims are paid - nearly all insurance plans will work on a pay up front, claim back later procedure, but make sure you are aware of how long a claim will take to be processed, it should really be no more than 2 weeks.
For more information about study abroad insurance, please see the student insurance blog