Student Journey Plus is an international student health insurance plan for students studying in the U.S. It offers up to $300,000 coverage with $500 in-network and $750 out-of-network deductibles, helping protect against unexpected medical expenses. The plan is available for F1, J1, and M1 visa holders and includes benefits like hospitalization, doctor visits, emergency medical evacuation, prescription drugs, and telehealth services.
IMG’s Student Journey Plus 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 Plus student insurance provides affordable, comprehensive coverage for international students in the U.S. Here’s what you need to know about its coverage limits:
You may be eligible to purchase Student Journey Plus Insurance if you meet the following requirements:
Student Journey Plus insurance costs between $48 and $195 per month, depending on the student's age and the selected coverage limit. For students aged 0–64, the plan provides up to $300,000 in medical coverage with a $500 deductible. The monthly premium example below is based on this $500 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 | $350 deductible per confinement |
| Surgery help | In network: 80% Out network: 60% |
| Intensive Care help | In network: 80% Out network: 60% |
| Hospital Emergency Room | $350 illness deductible if not admitted |
| Outpatient Diagnostic Laboratory / X-ray | $30 copay per day including interpretation of results |
| Outpatient Diagnositc Radiology | $100 copay per day including interpretation of results |
| 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 | Outpatient $35 per visit, 1 visit per day, 12 visit 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 | In network: 80% Out network: 60% |
| Newborn Care | $500 maximum |
| Pre-Existing Conditions help | After 6 months of waiting period |
| Traumatic Dental Injury help | In network: 80% Out network: 60% |
| Dental Treatment | $500 max (unexpected pain or non-emergent accidents only) |
| Additional Benefits help | Principal Sum Maximum: $10,000 |
Student Journey Plus - 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 Plus 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. The plan is designed to meet the insurance requirements of many U.S. universities for international students on F1 and J1 visas, but students should always confirm with their institution.
The plan is available for short-term and long-term coverage and can typically be purchased for up to 12 months with renewal options.
Coverage may be limited outside the United States, and benefits depend on the policy terms. Always check your certificate of insurance before traveling.
Coverage for pre-existing conditions is limited. Students should review the certificate of insurance to understand the specific terms and exclusions.
Email: insurance@imglobal.com
Fax: 317-655-4505
1.800.628.4664
Mail to International Medical Group,
PO Box 240429, Apple Valley, MN 55124.
