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Student Travel Insurance in the US: Which Plan Actually Works?

Started by EmilyOverseas · 18 septembre 2024 · 6 replies · 📖 Read as Guide
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EmilyOverseas
Member
Joined: Jun 2019 Posts: 247
18 septembre 2024 #1
Hey everyone! Just finished comparing every student travel insurance plan for my semester in New York and honestly the differences are huge. Sharing my full breakdown here — especially the pre-existing conditions section which most comparison sites completely ignore. Happy to answer questions!

Pour aller plus loin, découvrez destinations dog-friendly en France.

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JakeGoesAbroad
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Joined: May 2023Posts: 176
September 20, 2024#2
This is exactly what I needed. My university plan has a $10k limit — didn't realize that was basically nothing in the US. Switching to IMG after reading this.
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SarahFromEdinburgh
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Joined: Jun 2024Posts: 105
September 22, 2024#3
The MedJet Assist tip is gold. My study abroad advisor mentioned it briefly but I had no idea what it actually covered. Adding it to my World Nomads plan now.
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RyanBudgetTrails
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Joined: Oct 2022Posts: 141
September 25, 2024#4
Important to note: if you're on a J-1 or F-1 visa the US requires minimum insurance by law. $100k medical + $25k repatriation is the mandatory floor. Don't go below that.
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ZoeTravelsLight
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Joined: Oct 2022Posts: 53
September 28, 2024#5
I have type 1 diabetes and the pre-existing conditions section is what always kills me when comparing plans. HTH's 60-day lookback is actually manageable. Never seen that elsewhere.
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NickTheNomad
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Joined: Jun 2024Posts: 61
October 03, 2024#6
Squaremouth is great for comparisons. Used it before my Chicago trip and found a plan with $500k medical for less than World Nomads Explorer. Take the time to actually use it.
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EmilyOverseas
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Joined: Jun 2024Posts: 109
October 05, 2024#7
Good point on the visa requirements Ryan. Worth adding: some universities check proof of insurance at enrollment. Don't assume being enrolled means you're covered.
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