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When students travel abroad to further their education, they battle not just culture shock, they are also not prepared for the high rate of medical care, especially in the United States. study abroad insurance plans offer options that are especially geared toward the low-cost, low-risk student group.

Having proof of insurance is a prerequisite for enrollment in most U.S. colleges and universities. For international students (F1 visas) and their dependents (F2 visas), low-cost international student health insurance plans with a range of deductibles are available. The plans are also valid for students who have enrolled in study abroad programs in countries other than the United States.

From a list of benefits and plans, you can choose the one that works best for you. You can choose deductibles from a range of $0 to $2500, and choose to be covered for a period as short as five days and as long as three years. Most plans allow you to renew the plan as long as you are a student.

Dependents can also be insured along with the student. International student health insurance plans generally provide basic coverage such as doctor visits, hospital admission, prescription drugs, and emergency medical evacuation. Unlike visitor plans, most international student insurance plans cover previously existing conditions and pregnancy.

Selecting an insurance plan can be confusing for you, and to help you along, agencies which administers international student insurance plans, provides a Compare option. With this, you can view the relative merits and demerits of different plans at a glance.

Sometimes, universities and colleges specify some prerequisite benefits for a student health insurance plan. If a student sends across a list of these specifications, agencies can also match the requirements to available student health insurance plans. If a student is an adventurous sports enthusiast, then he/she can also purchase extra hazardous sports coverage.

The applicant can purchase international student health insurance using an online portal, fax, or snail mail. Acceptable payment methods include checks, wire transfers, credit cards, and money orders. Most medical care can directly be applied to the plan, and does not require payment by the student at the time of treatment, a huge advantage for students.

The underwriters for these international student health insurance plans are established companies Nationwide, AIG, and Lloyd’s, to name a few. These companies are rated highly by A.M. Best Company, which is widely regarded as the company that rates insurance companies most accurately.