Student Journey Lite is an affordable health insurance plan for international students studying in the U.S. It offers medical coverage of up to $150,000 with a $100 deductible, helping protect against unexpected illnesses and injuries. The plan is available for eligible F1, J1, and M1 visa holders and includes benefits such as hospitalization, physician visits, emergency medical evacuation, and prescription drug coverage. Compare plans and get an instant quote online in just a few minutes.
IMG’s Student Journey Lite is the cheapest international student medical insurance for non-U.S. individuals coming to the USA (or its territories) on J1, F1, and M1 visas. It is designed to meet both visa and university requirements while keeping coverage affordable.
Budget Student Insurance for International Students :The Student Journey Lite student insurance provides affordable, comprehensive coverage for international students in the U.S. Here’s what you need to know about its coverage limits:
Healthcare costs in the United States are significantly higher than in many other countries. Student Journey Lite student insurance helps international students manage these expenses by providing access to United Healthcare PPO (Preferred Provider Organization) network.
By choosing in-network healthcare providers, students can significantly reduce out-of-pocket costs, including:
Access to a PPO network allows providers to bill the insurance company directly at negotiated rates, helping lower overall medical costs. This makes Student Journey Lite a practical and inexpensive international student health insurance option for students navigating the U.S. healthcare system while staying within a limited budget.
Student Journey Lite is one of the most affordable international student health insurance plans in the USA because it focuses on essential medical coverage rather than expensive add-ons. This makes it a popular option for students searching for cheap student insurance that still provides dependable protection.
The plan is specifically designed for international students who want coverage for unexpected illnesses or injuries while keeping their monthly student insurance costs low. By limiting non-essential benefits and prioritizing core medical services, Student Journey Lite student insurance helps students manage healthcare risks without paying for unnecessary extras.
By emphasizing value over extensive coverage, Student Journey Lite delivers affordable student health insurance for budget-conscious international students who need reliable protection during their stay in the United States.
Student Journey Lite insurance costs between $30 and $96 per month, depending on the student's age and the selected coverage limit. For students aged 0–64, the plan provides up to $150,000 in medical coverage with a $100 deductible. The monthly premium example below is based on this $100 deductible.
The Student can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
Available for those up to the age of 65 years.
Activities Covered upto lifetime maximum: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking, whitewater kayaking or whitewater rafting in water less than Class V difficulty, wildlife safaris, and windsurfing
Each and every activities are carried out in strict adherence with the instruction, best practices, and recommendations for safe practices as prescribed by a Governing Body or Authority.
| Eligible Medical Expenses help | 100% |
| Hospital room and board help | $1,000 per day, 30 days max |
| Surgery help | $1,000 max |
| Intensive Care help | $1,525 per day, 8 days max |
| Hospital Emergency Room | Up to 80%. $350 illness deductible if not admitted |
| Outpatient Diagnostic Laboratory / X-ray | $500 per examinaiton + additional $350 if Cat scan, PET scan, or MRI |
| Outpatient Diagnositc Radiology | $500 per examinaiton + additional $350 if Cat scan, PET scan, or MRI |
| Anesthesia help | 100% |
| Chiropractic Care help | Included (medical order or treatment plan required) |
| Physical Therapy help | Outpatient $35 per visit, 1 visit per day, 12 visit max |
| Physician Visits help | $50 per visit, 1 visit per day, 30 days max |
| Urgent Care Clinic help | 100% |
| Walk-In Clinic help | 100% |
| Chemotherapy / Radiation Therapy help | $1,000 max Inpatient and Outpatient combined |
| Pre-Admission Testing | $900 max |
| Assistant Surgeon help | 25% of Surgeon's payable benefit (20% of primary surgeon’s eligible fee) |
| Prescription Drugs and Medication | $100 per prescription 30 days dispensing maixmum per prescription |
| Mental/Nervous help | Outpatient: 80% up to 40 visits or $5,000 max per policy period Inpatient: 80% up to 30 days max |
| Maternity | $5,000 normal delivery $7,500 for c-section delivery |
| Newborn Care | $500 maximum |
| Pre-Existing Conditions help | After 6 months of waiting period |
| Traumatic Dental Injury help | 100% Rendered at a hospital facility due to a covered accidental injury and subject to the sublimits, deductible, coinsurance and copayment amounts listed in the benefit summary. |
| Dental Treatment | $500 max (unexpected pain or non-emergent accidents only) |
| Additional Benefits help | Principal Sum Maximum: $10,000 |
Student Journey Lite - Does united healthcare cover US travel and how to find hospital or doctor?
IMG maintains when inside the U.S., the UnitedHealthcare Options network which is a longstanding reputable tier one network that gives you more access to more doctors and services. You can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes over 18,550 physicians and facilities.
If you purchase Student Journey Lite insurance from IMG with a United Healtcare logo on your insurance card, please state the following when informing your healthcare provider about your IMG travel insurance - "My healthcare coverage uses the United Healthcare travel health insurance network."
Find Provider NetworkWithout doubt, all students should have health insurance while they are in the US. The US health care costs are the highest in the world and a minor injury or accident could set you back tens of thousands of dollars. Being healthy and taking care of yourself is, of course, highly recommended, but accidents happen to us all and when we least expect.
Students should have proper insurance before anything emergency situation arises so that you do not find yourself in serious debt.
Yes, International students can definitely get student medical insurance, we offer many student insurance options on American Visitor Insurance. Quite often, the universities themselves offer student insurance, however this can be expensive. At student insurance plans that we offer are considerably more affordable than the University insurance plans, while providing similar coverage benefits.
However, students should confirm if the University allows students to but insurance outside the University, and if they can get the required insurance waiver for this student insurance.
The health insurance cost for the college student will depend on the coverage benefits of the student insurance plan, the age of the student, the medical maximum coverage required and the deductible for the plan. The cost of student health insurance coverage within the US is more expensive when compared to coverage outside the US.
The plan is available to eligible international students and scholars traveling to the U.S. with F1, J1, or M1 visas who meet the plan's eligibility requirements.
Coverage for pre-existing conditions is limited. Students should review the certificate of insurance to understand the specific terms and exclusions.
Yes. Student Journey Lite is a budget-friendly option that offers comprehensive medical benefits, making it a popular choice for international students looking for affordable health insurance in the United States.
Email: insurance@imglobal.com
Fax: 317-655-4505
1.800.628.4664
Mail to International Medical Group,
PO Box 240429, Apple Valley, MN 55124.
