Student Journey Platinum is a comprehensive health insurance plan for international students in the U.S. It covers up to $500,000 with a $250 deductible, protecting you against unexpected illness or injury. Available for F-1, J-1, and M-1 visa holders. Compare plans and get an instant quote online in minutes.
IMG’s Student Journey Platinum international student health insurance is available for non-U.S. individuals coming to the USA (or its territories) on J1, F1, and M1 visas. International students planning to continue their education in the U.S. may be required to have health insurance in place before they can enroll or apply for a visa. Some U.S. universities mandate group health insurance plans, while others have specific benefit requirements but allow students to provide their own coverage.
IMG offers flexibility, ensuring you can access the right benefits at the right cost. The Student Journey Medical Insurance provides a comprehensive range of essential benefits designed to meet both the medical and budgetary needs of all students.
The Student Journey Platinum Insurance is designed specifically for international students, scholars, and cultural exchange participants. It offers reliable coverage with global claims support.
Healthcare costs in the United States are significantly higher than in many other countries. Student Journey Platinum 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:
Student Journey Platinum insurance costs between $74 and $293 per month, depending on the student's age and the selected coverage limit. For students aged 0–64, the plan provides up to $500,000 in medical coverage with a $100 deductible. The monthly premium example below is based on this $250 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 | In-Network: 80% up to policy maximum Out-Network: 60% up to policy maximum |
| Maternity & Newborn Care | Maternity: $5,000 normal delivery $7,500 for c-section delivery Newborn: $500 maximum |
| Preventative Care Immunizations | $200 |
| Hospital room and board help | $300 deductible per confinement |
| Physician Visits help | $15 copay Specialist $50 copay |
| Urgent Care Clinic help | $50 copay 80% In-Network / 60% Out-of-Network |
| Walk-In Clinic help | In-Network: 80% up to policy maximum Out-Network: 60% up to policy maximum |
| Surgery help | In-Network: 80% up to policy maximum Out-Network: 60% up to policy maximum |
| Intensive Care help | In-Network: 80% up to policy maximum Out-Network: 60% up to policy maximum |
| Hospital Emergency Room | $350 deductible per confinementd |
| Outpatient Diagnostic Laboratory / X-ray | Laboratory / X-Ray: $30 copay per day including interpretation of results Radiology: $100 copay per day including interpretation of results |
| 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 |
| Chemotherapy / Radiation Therapy help | In-Network: 80% up to policy maximum Out-Network: 60% up to policy maximum |
| Pre-Admission Testing | In-Network: 80% up to policy maximum Out-Network: 60% up to policy maximum |
| Assistant Surgeon help | 25% of Surgeon's payable benefit (20% of primary surgeon’s eligible fee) |
| Prescription Drugs and Medication | 80% out of network Dispensing maximum: 30 days per prescription |
| 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) |
| Mental/Nervous help | Outpatient: 80% up to 40 visits or $5,000 max per policy period Inpatient: 80% up to 30 days max |
| Repatriation for Medical Treatment help | $50,000 |
| Return of Mortal Remains or Cremation/Burial help | Unlimited Local Burial / Cremation at place of death Maximum Limit: $5,000 |
| Interfacility Ambulance Transfer | Up to 100% |
| Emergency medical evacuation help | Unlimited |
| Emergency local ambulance help | Up to 100% |
| Pre-Existing Conditions help | After 6 months of waiting period |
| Mental or Nervous/Substance Abuse help | Outpatient: 50 copay up to $150 per session Inpatient: 80% In-Network / 60% Out-of-Network |
| Accidental Death & Dismemberment help | Principal Sum Maximum: $10,000 Death must occur within 90 days of the Accident |
Student insurance ppo network We have two different network providers for our plans.
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.
If you purchase Student Journey Platinum student 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."
Student Journey Platinum student PPO network »IMG Student Journey Platinum covers pre-existing conditions after 6 months of waiting period.
Student Journey Platinum is designed to provide comprehensive student health coverage and may meet the insurance requirements of many colleges and universities. Students should verify the specific requirements with their educational institution.
The plan covers eligible medical expenses such as hospitalization, physician visits, surgery, diagnostic tests, emergency medical treatment, and other covered healthcare services.
Yes. The plan is available for eligible F1, J1, M1, and certain other visa holders who meet the policy requirements.
You can compare plan through american visitor insurance you can review benefits, receive an instant quote, and purchase Student Journey Platinum Insurance online in just a few minutes.
Email: insurance@imglobal.com
Fax: 317-655-4505
1.800.628.4664
Mail to International Medical Group,
PO Box 240429, Apple Valley, MN 55124.
