Introduction to
health insurance for international students

Navigating international student health insurance plans can be daunting. However, understanding the options available can help you make an informed decision that best suits your needs.

Here are the main types of health insurance options available to international students:

University-sponsored health insurance plans
Many universities in the U.S. and Canada offer international students health insurance plans. For international students looking to study in Canada, the specific requirements and availability of health insurance will depend on the province. These plans are often tailored to the needs of the student population, providing coverage for services on campus and in the surrounding community. University-sponsored plans are convenient and ensure that international students meet the minimum health insurance requirements set by the university and the government (when relevant). However, these plans can sometimes be more expensive than other options and may not provide coverage if you seek care outside of the university’s health care providers.

Private health insurance plans
Private health insurance plans are another option for international students. Insurance companies offer these plans and can provide a wide range of coverage options. They can often be more flexible than university-sponsored plans, allowing international students to seek care from a broader range of health care providers. However, the cost, coverage and eligibility requirements can vary significantly between plans, so reviewing the plan details is essential.

Government-sponsored health care programs
In some cases, international students may be eligible for government-sponsored health care programs. However, this is not an option for international students studying in the U.S. on an F-1 visa. These programs are typically designed for residents, but some countries extend eligibility to international study programs. In Canada, some provinces provide coverage under their provincial health care system to international students. These programs can provide comprehensive coverage at a low or no cost. However, eligibility requirements and coverage details can vary by program and location.

Travel health insurance plans
Travel health insurance is a temporary form of coverage designed to cover medical emergencies while traveling. Some international students may consider travel health insurance as an option for short-term coverage when they first arrive in their host country (in the event you’re unable to have your longer term plan). Travel insurance typically only covers emergencies, not routine health care or preventative services, so it’s not a suitable long-term solution.

What to consider when choosing a health insurance plan
Each of these options has its own set of advantages and disadvantages. It’s important to consider your health care needs, budget and the specific requirements of your host country when choosing a health insurance plan.
Regardless of what type of health insurance you choose as an international student, you will likely have to cover some – or all – of the cost out of pocket.