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International Students in the US

International Students & Scholars in the US

ISP offers four international health insurance plans for eligible international students and scholars studying in the United States:

ChartisTOURER Chartis explorer
  • Rates from $32/month
  • $300,000 lifetime maximum
  • $50,000 emergency evacuation/$25,000 repatriation of remains

Learn More »

  • Rates from $41/month
  • $500,000 lifetime maximum
  • $100,000 emergency evacuation/$50,000 repatriation of remains

Learn More »

ACE PIONEER Chartis Mountaineer
  • Rates from $30/month
  • Benefits for interscholastic sports-related injuries
  • Includes lost baggage/trip interruption coverage

Learn More »

  • Rates from $60/month
  • ISP’s Premier Plan—Meets or exceeds most university waiver requirements
  • $2,000,000 In-Network/ $1,000,000 Out-of-Network lifetime maximum

Learn More »

ISP Plans offer comprehensive health coverage, as well as access to the Beech Street or PHCS network of doctors and hospitals - two of the largest provider networks in the US.

All of our international student plans also include access to assistance services, and coverage for emergency evacuation and repatriation of remains.

Compare all ISP Plans and see which one meets your individual and university requirements. For questions regarding international student waiver forms please contact the International Student Protection staff.


 
ISP Tourer

Tourer is the most basic ISP plan for international students, starting at $32 per month for students under age 29. Tourer meets or exceeds US State Department insurance requirements for J1/J2 and F1 visa holders and in many cases will also meet or exceed individual university requirements. (Check with your university to be sure.)

Please note that Tourer is not available to students studying in the following US states: Washington, Idaho, Massachusetts, and Minnesota.

Plan Highlights

  • Low monthly rates
  • No coinsurance
  • Reduced deductible for treatment received at Student Health Center
  • $50,000 medical evacuation benefit

Summary of Benefits (Policy #GLB0009136836)

Benefits Tourer Plan Coverage

Lifetime Medical Maximum

$300,000

Maximum per Injury/Sickness

$150,000

Deductible per Injury/Sickness

 

• Student Health Center

$50

• Elsewhere

$100

Coinsurance

Plan pays 100% of covered medical expenses after the per-event deductible, up to any benefit limits

Home Country Coverage

$500

Emergency Medical Evacuation

$50,000

Emergency Medical Reunion

$1,000

Repatriation of Remains

$25,000

Accidental Death & Dismemberment Coverage

$15,000

Rates (Per Month)

Age Tourer Plan

Age 29 and under

$32

Age 30 – 40

$102

Age 41 – 50

$118

Age 51 – 65

$137

Dependent Coverage

$186

Enroll Now!

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ISP Explorer

Explorer is one of ISP's intermediate plans for international students, starting at $41 per month for students under age 29. Explorer meets or exceeds US State Department insurance requirements for J1/J2 and F1 visa holders and in many cases will also meet or exceed individual university requirements. (Check with your university to be sure.)

Please note that Explorer is not available to students studying in the following US states: Washington, Idaho, Massachusetts, and Minnesota.

Plan Highlights

  • Low monthly rates
  • No coinsurance
  • Reduced deductible for treatment received at Student Health Center
  • $100,000 medical evacuation benefit

Summary of Benefits (Policy #GLB0009136821)

Benefits Explorer Plan Coverage

Lifetime Medical Maximum

$500,000

Maximum per Injury/Sickness

$250,000

Deductible per Injury/Sickness

 

• Student Health Center

$45

• Elsewhere

$90

Coinsurance

Plan pays 100% of covered medical expenses after the per-event deductible, up to any benefit limits

Home Country Coverage

$500

Emergency Medical Evacuation

$100,000

Emergency Medical Reunion

$1,500

Repatriation of Remains

$50,000

Accidental Death & Dismemberment Coverage

$15,000

Rates (Per Month)

Age Explorer Plan

Age 29 and under

$41

Age 30 – 40

$115

Age 41 – 50

$163

Age 51 – 65

$181

Dependent Coverage

$276

Enroll Now!

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ISP Pioneer

Pioneer is one of ISP's intermediate plans for international students, starting at $30 per month for students age 25 and under. Pioneer meets or exceeds US State Department insurance requirements for J1/J2 and F1 visa holders and in many cases will also meet or exceed individual university requirements. (Check with your university to be sure.)

There are two Pioneer Plans available: Basic Pioneer and Enriched Pioneer. Please note that Pioneer is not available to students studying in the following US states: Georgia, Idaho, New Hampshire, Vermont and Washington.

Plan Highlights

  • Low monthly rates
  • Reduced deductible for treatment received at Student Health Center
  • 100% coverage for emergency evacuation
  • Lost baggage/trip interruption insurance

Summary of Benefits (Basic Policy #GLMN04947976R)
(Enriched Policy #GLMN04947964R)


Benefits
Basic Pioneer Plan Coverage
Enriched Pioneer Plan Coverage
In-Network* Out-of-Network In-Network* Out-of-Network

Lifetime Medical Maximum

$250,000

$500,000

Maximum per Sports-related Injury/Sickness**

$5,000

$5,000

Maximum per Other Injury/Sickness

$125,000

$300,000

Deductible per Injury/Sickness (per person)

$70

$200

$50

$200

Deductible is reduced to $20 if
first treated at Student Health Center.
Maximum deductible of $600 per year.

Deductible is reduced to $20 if
first treated at Student Health Center.
Maximum deductible of $400 per year.

Coinsurance

Plan pays 80% of first $6,000 in expenses and 100% thereafter

Plan pays 70% of first $6,000 in expenses and 100% thereafter

Plan pays 80% of first $4,000 in expenses and 100% thereafter

Plan pays 70% of first $4,000 in expenses and 100% thereafter

Copays

$300 for emergency
room treatment (waived if admitted)

$300 for emergency
room treatment (waived if admitted)

Emergency Medical Evacuation

Plan pays 100% of covered expenses

Plan pays 100% of covered expenses

Emergency Medical Reunion

$2,500

$2,500

Repatriation of Remains

Plan pays 100% of covered expenses

Plan pays 100% of covered expenses

Accidental Death & Dismemberment Coverage

$15,000

$25,000

Lost Baggage Coverage

$250/bag (2 bag maximum)

$250/bag (2 bag maximum)

Pre-existing Condition Exclusion

Covered with no waiting period

Covered with no waiting period

*   You pay less for care received at the Student Health Center or from a doctor or hospital in the extensive PHCS
    provider network. If there are no PHCS providers within 25 miles of where you are located, benefits will be paid at
    the In-Network level.

** Includes injury/sickness that occurs while participating in amateur, club, intramural, interscholastic or intercollegiate
    sports.

Rates (Per Month)

Age Basic
Pioneer
Enriched Pioneer

Participant: Age 25 and under

$30

$37

Participant: Age 26 – 29

$59

$69

Participant: Age 30 – 65

$99

$120

Spouse

$235

$290

Each Child

$90

$130

Enroll Now!

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ISP Mountaineer

Mountaineer is ISP’s high-end health plan for international students, starting at $60 per month for students age 25 and under. Mountaineer meets or exceeds US State Department insurance requirements for J1/J2 and F1 visa holders, as well as most universities’ requirements. Mountaineer also may be used to opt out of a mandatory school insurance program, where permitted by the university.

Please note that Mountaineer is not available to students studying in the following US states: Washington, Idaho, Massachusetts, and Minnesota.

Plan Highlights

  • High lifetime medical maximum
  • No deductible
  • No copayment for treatment received at Student Health Center
  • $500,000 medical evacuation benefit

Summary of Benefits (Policy #GLB0009136816)

Benefits Mountaineer Plan Coverage
In-Network* Out-of-Network

Participant Lifetime Medical Maximum

$2,000,000

$1,000,000

Participant Maximum per Injury/Sickness

$300,000

$300,000

Deductible

$0

$0

Maximum Out-of-pocket Expense

$2,000

N/A

Coinsurance

Plan pays 80% of first
$4,000 in expenses
and 100% thereafter

Plan pays 75% of usual and customary charge,
up to $300,000

Copays**

   
  • Student Health Center

No copay

No copay

  • Elsewhere

$40

$60

  • Emergency Room (waived if admitted)

$100

$150

  • Hospital

$250

$250

  • X-ray and Lab Tests

$40

$60

  • Prescription Drugs

$20 Generic/
$30 All Other

$40

Home Country Coverage

$1,000

$1,000

Emergency Medical Evacuation

$500,000

$500,000

Emergency Medical Reunion

$2,000

$2,000

Repatriation of Remains

$100,000

$100,000

Accidental Death & Dismemberment Coverage

$20,000

$20,000

Dependents Medical maximum

$250,000 Lifetime/ $100,000 per sickness or injury

*  You pay less for care received at the Student Health Center or from a doctor or hospital in the extensive Beech Street
    provider network. If there are no Beech Street providers within 25 miles of where you are located, benefits will be paid
    at the In-Network level.

**Copays are waived if the participant is treated onsite at the Student Health Center and is not referred off campus:

  • In the case of a participant not being able to be treated at the Student Health Center and subsequently being referred to an off-campus private doctor by a licensed general health practitioner at the Student Health Center, the copay will be half of the scheduled copay amount.
  • In the case of treatment not being possible at the Student Health Center and the participant being referred to the ER by a licensed general health practitioner at the Student Health Center, the copay will be half of the scheduled copay amount.
  • In the case of treatment not being available at the Student Health Center, or if there is not one, and the participant is referred to or forced to go the ER and then subsequently hospitalized, then the ER, doctor’s visit and hospitalization copays will be integrated to a maximum of $250.

Rates (Per Month)

Age Mountaineer Plan

Participant Only: Age 25 and under

$60

Participant Only: Over age 25

$74

Participant and Spouse

$208

Participant and Child(ren)

$208

Participant and Spouse and Child(ren)

$326

 

If you are using Mountaineer to opt out of your university’s mandatory school insurance program, obtain a waiver form.

Enroll Now!

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Eligibility

To be eligible for any of these plans, you must have a current passport or visa and be residing outside your home country or country of permanent residence while actively engaged in education or research activities in the United States. You are considered “actively engaged” in educational or research activity if you are any of the following:

  • An F1/J1/M1 valid visa holder
  • An Optional Practical Training (OPT) student
  • An ESL student
  • An undergraduate student registered for and attending classes for 12 or more credit hours
  • A graduate student
  • A scholar or researcher who is invited by an educational organization
  • Involved in educational or research-related activities.

Your spouse and any dependent children under the age of 19 are also eligible for coverage if they accompany you to the United States.

For purposes of this insurance, if your home country (the country from which you hold a passport) is different from your country of permanent residence (the country in which you permanently reside), you will not be covered in either location.

 

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