The Good: Affordable international health insurance for students under age 65 traveling outside their home country for the purpose of educational opportunities. At excellent rates, this plan meets most university and study-abroad program requirements. It can be renewed every semester or annually. Includes coverage for spouses and children as well.
The Drawbacks: No flight accident coverage, emergency dental coverage, and the 24-hour AD&D limit is very low. No optional upgrades.
The Bottom Line: Offered at two plan limits, this plan is basic medical coverage for U.S. and non U.S. students, including spouse and children, who are studying abroad.
|Medical expenses||$250,000 or $300,000|
|24/7 assistance services||Yes|
This plan is unique in that it provides the following:
- Easy to understand monthly rates that are available right on the plan description page.
- Includes mental and nervous disorders plus alcohol and substance abuse benefits up to $10,000 in base plan (limited to $5,000 for U.S. students).
- Bedside visit reimbursement up to $2,500 included.
The following are the limitations on this plan’s coverage:
- No flight accident AD&D in base plan and the 24-hour AD&D limit is relatively low (just $5,000).