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Good Neighbor Travel Insurance Blog

Most U.S. colleges and universities require health insurance for their international students

January 4, 2012 By : Doug Gulleson

Good Neighbor Insurance, www.gninsurance.com, provides international student insurance coverage in the U.S. for non-U.S. citizens studying in the U.S.  Our web page at www.gninsurance.com/students.asp provides many student plans for international students studying in the U.S.

It is not a US. Federal requirement to have student insurance for your students but it can be and should be a financial requirement.  Not having international student coverage for your students here in the U.S. not only is a moral obligation but also keeps the college and university from possible liability concerns;  especially when your international student does not have financial pockets to pay for possible medical bills.

Today, most colleges and universities either require international students to carry medical insurance, or they are in the process of implementing a mandatory medical insurance requirement. When asked why, the schools have responded with the following reasons:

1.   It reinforces the federal policy requiring international students to be financially responsible.   A medical insurance requirement is a logical and legal extension of this government requirement.

2.   The school must protect itself from medical providers that might look to the host school for payment of medical bills on uninsured or underinsured students, especially for those schools who have an insurance requirement that is not being properly enforced.

3.   The college has a moral obligation to the community, the medical profession, and its students to make sure the international students can afford the high cost of medical care. Host families require coverage with Major Medical Benefits for liability reasons.

4.   International students come from countries with some form of socialized medicine and don’t understand how the health care system in the United States works.

5.   International students are not insured under a parental policy nor are they eligible for public assistance in the United States.  Travel insurance is short-term coverage and inadequate.

Doug Gulleson is one of the two principles of Good Neighbor Insurance, Inc and does enjoy traveling the world to scuba dive.  He travels overseas throughout the year with his underwater camera in one hand and a cup of coffee in the other.  Doug never forgets to have his travel medical insurance with him at all times.

Doug Gulleson

Search Results

Travel insurance is a must when going on an international cruise

February 4, 2014

So you are heading over to the Caribbean’s on a cruise.  Did you know that your Arizona health coverage will not cover air ambulance or evacuation to the nearest and best hospital if you need it while you are outside the U.S?  Sure, we don’t want to think bad medical things will happen to us.  […]

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Buying Health Insurance is Like Buying a Car

April 2, 2010

Bells and whistles on a car increase the cost. So it is with health insurance. Adding benefits only increases your premiums. One way to lower premiums is to increase your deductible and decrease the amount of benefits.

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Pre-existing medical insurance for overseas coverage

August 8, 2016

Pre-existing medical insurance for overseas coverage can be an obstacle for someone living or traveling outside the United States. Those residing in the U.S. now have great health coverage that covers all pre-existing conditions, albeit for a higher premium. What is a pre-existing medical condition? A variety of definitions are floating around but here is one […]

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Reporting value of insurance plans on employee W-2 forms

November 12, 2010

Good Neighbor Insurance (www.gninsurance.com and www.gninsurance.com) is continuing to update our clients on the new health insurance laws.   There are six major coverage options for those in the US and even though some of the rules and regulations are similar for all many differences are there and it all depends on how old you are […]

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Should I offer dental insurance to my employees?

May 4, 2015

Should I offer dental insurance to my employees? Why Not? It is relatively inexpensive to include dental benefits in an employer’s benefits plan, and it may help the employer attract and retain highly skilled employees. Because dental hygiene is associated with overall health, employees with dental plans are often healthier. Employees without dental benefits may […]

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No breathalyzer test could mean local medical insurance will not cover you

March 27, 2017

No breathalyzer test could mean your local medical insurance will not cover you. Yes, this is a sad and true story.  Read the fine print!  Yes, the big print giveth and the little print taketh away.  This is one of the reasons why it is important to have travel insurance and expat medical insurance based […]

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