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中文Language语言IdiomaIdioma日本語한국어عربيةItalianoРусскийBefore entering birth date, please enter start date.
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If you had a domestic insurance in the past (such as from your school), look at individual short term insurance instead, as you may not be eligible for plans listed in this section.
OPT insurance is a short term health insurance for recent foreign graduates until they can enroll into their employer sponsored health insurance or in other PPACA compliant health insurance. In any case, it is not a substitute for domestic major medical insurance.
OPT medical insurance may be comprised of various benefits, some of these standard benefits may include:
OPT medical insurance will generally provide coverage for new illnesses, accidents or injuries that occur after the effective date of the policy. OPT insurance would not cover pre-existing conditions, wellness checkups, maternity or birth control. The cost of healthcare is extremely high in the U.S., that is why we recommend a higher policy maximum.
Most OPT insurance plans are PPO plans which have a wide network of doctors and hospitals all across the United States. PPO networks allow you to see any provider you choose, but participating providers can bill the insurance company directly, and would charge you only the network negotiated fees.
Learn MoreSome OPT insurance plans provide coverage for unexpected emergency occurring all of sudden due to pre-existing conditions under the clause called acute onset of pre-existing conditions. Even though most recent graduates are young and not likely to suffer from pre-existing conditions, this may be a useful benefit for some. This benefit is immensely helpful for older visitors to the U.S. who may be suffering from pre-existing conditions. However, this benefit will not provide any coverage for any routine maintenance of pre-existing conditions.
If there was an emergency in your home country such as one of parents passed away or your house caught fire, trip interruption coverage will help you pay to make necessary arrangements for travel to home country.
If you are in a remote location and get seriously sick or injured where adequate medical facilities are not available, emergency medical evacuation will transport you to the nearest medical facility where you can receive adequate medical care. This benefit can be lifesaving to some.
In the unfortunate event that you were to pass away abroad, the return of mortal remains benefit would help your family make arrangements and pay for the transportation of your remains or for local cremation.
Learn MoreLoss of checked luggage coverage would help pay for essentials that you might immediately need if the airline were to permanently lose your checked luggage. This benefit would be secondary to the coverage your airline would provide.
If you were to pass away or lose a limb or two in an accident, this benefit would make a lump sum amount payment to your family or you. Some OPT insurance plans would pay a higher amount if such an accident were to occur while traveling in a common carrier such as an airline, train, or bus.
Learn MoreAs medical expenses are very high in the U.S. you should purchase OPT medical insurance until you qualify for a permanent major medical insurance plan that is PPACA compliant.
Don't get caught without OPT medical insurance, get free quotes today!
OPT health insurance is medical insurance specifically for international students taking part in Optional Practical Training, or OPT, a program that allows international graduates to remain in the US for up to 36 months in order to gain relevant work experience in their field of study. If you want to know how to apply for OPT, contact your Designated School Official (DSO).
The key benefits of OPT insurance are its medical coverage. Insurance for OPT students can typically cover new medical conditions that occur after the effective date of the policy. Due to the high price of healthcare in the USA, the best health insurance for OPT students is critically important to have.
Health insurance for OPT participants is not mandatory. However, it may be the only health insurance OPT students qualify for. Once you graduate, you can no longer be covered by F1 international student insurance, so you will need OPT insurance until you either leave the US or get an H1B visa job with employer-sponsored health benefits.
F1 students are not able to purchase PPACA (Obamacare) health insurance. They have the option to either purchase their own international student health insurance, or they may be required to purchase insurance through their school.
The cost of OPT health insurance will depend on the specific plan you purchase, the length of coverage, and your personal details. Enter your information in the quote form above to view and compare multiple plans that may meet your needs.
Depending on what is most important for you to have covered, there may be a plan better tailored to your needs:
Perhaps you are taking a trip to many of the European countries for your honeymoon, just passing through on your way back to your home country, and/or need your H1 visa stamped, whatever your reason you would need to get Schengen visa which requires compliant Schengen visa insurance. We offer several Schengen travel insurance plans that can be purchased instantly and you can immediately print the visa letter and take it to the consulate.
Our insurance guide makes it very easy to navigate the complexities of OPT insurance.
Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
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Instant Quotes & Purchase for Student, Travel & Visitors Insurance.