Rochester Institute of Technology - OPT Students
Rochester, NY
The Student Secure and Atlas Travel plans are an excellent option for Rochester Institute of Technology international students on OPT as it provides comprehensive coverage designed for international students at reasonable rates.
| Policy Max | Deductible | Brochure | Price per month * | |||
|---|---|---|---|---|---|---|
| Buy Now |
 |
Smart | $200,000 |
$50 per injury/illness (in-network) |
$31 | |
| Buy Now |
|
Budget | $500,000 |
$45 per injury/illness (in-network) |
$51 | |
| Buy Now |
|
Select | $600,000 |
$35 per injury/illness (in-network) |
$99 | |
| Buy Now |
|
Elite | $5,000,000 |
$25 per injury/illness (in-network) |
$193 | |
| Buy Now |
 |
J1 Compliant | $100,000–$2,000,000 | $0–$500 | $50.70 | |
* rates are based on students aged 24 and under unless otherwise noted.
Compare Plan Level Benefits
 Smart |
Budget |
Select |
Elite |
 America |
|
|---|---|---|---|---|---|
| Medical Maximum | $200,000 | $500,000 | $600,000 | $5,000,000 |
$50,000, $100,000, $250,000, $500,000 $1,000,000, or $2,000,000 (Ages 70 to 79: $50,000 or $100,000 limit; Ages 80+: $10,000 limit) |
| Per Injury/Illness Maximum | $100,000 | $250,000 | $300,000 | $500,000 | Benefits up to policy max |
| Deductible | $50 | $45 | $35 | $25 | $0, $100, $250, $500, $1,000, $2,500 or $5,000 |
| Coinsurance |
In-Network: 80% of eligible expenses after the deductible up to the overall maximum Out-Network: Usual, Reasonable, and Customary (URC) |
In-Network: 80% of the next $25,000 of eligible expenses after the deductible, then 100% to the overall maximum Out-Network: Usual, Reasonable, and Customary (URC) |
In-Network: 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum Out-Network: Usual, Reasonable, and Customary (URC) |
In-Network: 100% of eligible expenses after the deductible to the overall maximum Out-Network: Usual, Reasonable, and Customary (URC) |
100% coverage on eligible expenses, after the deductible, up to the policy maximum. |
| Pre-existing Conditions (Acute Onset) |
$25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition only
See policy wording for full benefit description |
Additional $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition during waiting period
See policy wording for full benefit description |
Additional $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition during waiting period
See policy wording for full benefit description |
Additional $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition during waiting period
See policy wording for full benefit description |
Only charges resulting from an Acute Onset of a Pre-existing Condition can be eligible for coverage. Coverage is for those under age 80 and is up to the policy maximum of the plan. For Emergency Medical Evacuation, an Acute Onset of a Pre-existing Condition is covered up to a $25,000 lifetime maximum.
See policy wording for full benefit description |
| Pre-existing Conditions | Not Covered | 12-month waiting period | 6-month waiting period | 6-month waiting period | Not Covered |
| Maternity | Not Covered | Up to $5,000 | Up to $10,000 | Up to $25,000 | Only treatment for complications of pregnancy during the first 26 weeks of pregnancy can be covered. |
| Mental Health |
Outpatient: $50 per day, $500 Inpatient: Up to $5,000 |
Outpatient: Max. 30 days of coverage. Inpatient: Max. 30 visits. Coverage includes drug and alcohol abuse. |
Outpatient: Max. 30 days of coverage. Inpatient: Max. 30 visits. Coverage includes drug and alcohol abuse. |
Outpatient: Max. 30 days of coverage. Inpatient: Max. 30 visits. Coverage includes drug and alcohol abuse. |
Not Covered |
| School Team Sports | Not Covered |
No Coverage Optional Team Sports rider available, please select that option to view pricing |
No Coverage Optional Team Sports rider available, please select that option to view pricing |
No Coverage Optional Team Sports rider available, please select that option to view pricing |
Not Covered |
| Recreational, Fitness and Leisure Activities | Covered per policy conditions | Covered per policy conditions | Covered per policy conditions | Covered per policy conditions | Covered per policy conditions |
| Adventure Sports | Some exclusions apply | Some exclusions apply | Some exclusions apply | Some exclusions apply | Some exclusions apply |
| Emergency Medical Evacuation/Repatriation | $50,000 / $25,000 | $250,000 / $25,000 | $300,000 / $50,000 | $500,000 / $50,000 | $1,000,000 / Equal to the elected overall maximum limit |
Other RIT Student Categories
Contact Us
If you need help selecting a plan or enrolling in a policy, please contact our customer service team, and they would be happy to help.- Toll Free: (877) 758-4391
- Direct/International : +1 (904) 758-4391
- Email: info@internationalstudentinsurance.com
International Student Insurance has gathered this information as a resource for international students, and this resource does not intend to imply a relationship between your school and our website or company. You should always double-check directly with your school and with our customer service team to ensure that our plans meets your school's international student insurance requirements.