International Health Insurance for OPT Students
If you’re in the United States on Optional Practical Training (OPT), this is an exciting step in your academic and professional journey. After completing your studies, you can gain real-world experience in your field, but it’s also essential to make sure you’re protected while living abroad.
What is Optional Practical Training? OPT is a permitted 12-month working period for undergraduate and graduate students on F-1 visas who have finished their degrees or have studied in the U.S. for more than nine months.
Do OPT Students Need Health Insurance?
While the U.S. government does not require health insurance for F-1 visa holders on OPT, many universities still expect students to maintain coverage. Some schools offer their own sponsored insurance programs, while others allow students to purchase independent coverage. Always confirm your school’s policy and whether dependents can be added to your plan.
Even if your school doesn’t require it, maintaining private health insurance is strongly recommended. Medical costs in the U.S. are among the highest in the world—the average emergency room visit can exceed $2,000 without insurance. Having a reliable plan ensures you can access care affordably and avoid financial stress.
Contact your school before enrolling in a plan to verify their coverage rules, costs, and waiver options. If you’re allowed to opt out of a school-sponsored plan, you can often find a more flexible and affordable private option tailored for OPT students.
OPT Health Insurance Requirements
Each university has its own guidelines for student insurance on OPT. Your school may require enrollment in a school-sponsored plan, or it may allow you to waive that plan and opt for private insurance instead. The best first step is to contact your international student office to confirm requirements, costs, and waiver options.
If dependents are joining you, ask whether they can be added to the school’s plan or if you’ll need separate coverage. Gathering these details early will help you find a plan that meets both your school’s requirements and your personal needs.
Best Health Insurance Plans for OPT Students
StudentSecure Insurance
- Provides Medical, Dental, and Evacuation Benefits
- Keep your coverage when your studies last multiple years
- Medical providers are available in over 130 countries worldwide
Worldwide Specialty
- Worldwide medical coverage built for students and faculty in the U.S. and abroad.
- Select from a range of deductibles and rates.
- Choose providers either in or out of our elite network.
A basic travel insurance plan may be enough to meet school requirements. Review your school’s coverage rules carefully, and if you want more comprehensive benefits, consider international health insurance options, such as Cigna Global.
Some OPT employers may offer medical insurance, but these plans often exclude international benefits such as emergency evacuation or repatriation of remains. If your employer’s plan doesn’t include these, you should purchase supplemental coverage to ensure comprehensive protection.
Medical insurance policies can vary widely in cost and benefits, so it’s essential to review your options carefully. Consider both your own health needs and those of any dependents. Keep in mind that healthcare in the U.S. is often private and expensive; even a minor emergency can result in significant bills. Having the right coverage is the best way to protect yourself financially while on OPT.
When reviewing plans, pay close attention to coverage limits, exclusions, and restrictions. Costs above the plan’s limit are your responsibility, and certain treatments or conditions may not be covered. Always review the “Exclusions and Limitations” section of any policy before enrolling.
Some OPT employers may offer medical insurance, but these plans often exclude international benefits such as emergency evacuation or repatriation of remains. If your employer’s plan doesn’t include these, you should purchase supplemental coverage to ensure comprehensive protection.
Medical Insurance for OPT Students
Some universities specify a minimum level of medical coverage for OPT students, while others allow full flexibility in plan selection. If your school has no requirement, consider your budget and how much risk you’re comfortable taking on personally.
Most OPT health insurance plans include:
- A maximum benefit level limit, which is the highest amount the plan will pay per year or per condition
- A deductible, or the amount you pay before coverage begins
- A coinsurance rate, which is the percentage your plan covers after the deductible
Eligibility note:
- You may not qualify for OPT student insurance if your employer already provides coverage, even if it’s expensive.
- Students who have graduated and are no longer enrolled may need to purchase a short- or long-term travel medical plan instead.
- Some plans require you to have maintained school-sponsored coverage before starting OPT.
Emergency Medical Evacuation and Repatriation of Remains
Even if you’re covered for routine care, you may still need emergency evacuation insurance. This coverage pays for transportation to the nearest medical facility capable of providing adequate treatment if local hospitals are unable to meet your needs. The attending physician and insurance company determine when evacuation is necessary, and transport to your home country is not guaranteed unless medically required.
Repatriation of remains, also called return of mortal remains, provides financial and logistical assistance in the tragic event of a death while in the United States. This ensures your remains are respectfully returned to your home country without burdening your family.
OPT Plan Duration and Coverage Levels
OPT medical insurance plans are flexible, with coverage ranging from a few days to 2 or 3 years, depending on the insurer. Most providers offer several coverage tiers, with higher-cost plans typically including additional benefits such as preventive care, maternity care, or mental health support.
Many plans also offer discounts for paying the full premium upfront and include emergency medical evacuation coverage as a standard benefit. Always review your plan’s details to confirm the benefits that matter most to you.
Typical Coverage and Cost
Most OPT insurance plans include:
- Medical care for illness and injury
- Emergency evacuation and repatriation
- Coverage for hospital stays, surgery, and prescription medications
Preventive checkups, vision, and dental care may be limited or excluded depending on your plan.
Average cost: $40–$120 per month, depending on your age, coverage level, and deductible choice.
Why You Shouldn’t Skip Insurance
Health care in the U.S. is entirely private, meaning you’ll be responsible for 100% of medical costs if you’re uninsured. A single hospitalization can cost more than your annual salary during OPT. Choosing the right coverage gives you access to trusted doctors, financial protection, and peace of mind while you focus on building your career.
Compare plans, read coverage details carefully, and choose a provider that offers flexibility and worldwide support. Our licensed insurance advisors can help you find an OPT health plan that meets school requirements and fits your budget.
Find the Best International Student Insurance
- Compare top international student insurance plans and pricing
- Get guidance from a student insurance expert at no additional cost
- Choose the right plan for your study abroad goals and budget
Joe Cronin, President of ICI, is a leading expert in international health, life, and travel insurance. An MBA and founder of multiple global businesses, he helps expatriates and travelers access trusted, comprehensive insurance solutions worldwide.
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