Northwood University - Scholars
Midland, MI

International scholars and exchange visitors at Midland University are required to purchase a medical insurance plan for their time abroad. The Student Secure and Atlas Travel plans both serve as excellent options, providing comprehensive coverage at reasonable rates.

The Student Secure plan is available in four levels for J-1 visa holders, with all levels meeting the US Department of State requirements. The plan offers additional coverage for mental health, along with coverage for maternity and pre-existing conditions after applicable waiting periods on certain levels of the plan.

The Atlas Travel plan is compliant with the US Department of State requirements for J visa holders, please make sure to choose a policy maximum of $100,000 or greater and a deductible of $500 or less to meet these requirements. This plan works well for anyone outside of their home country, including J-1 and J-2 dependents.

Student SecureSmart

$31/month

  • Medical Maximum

    $200,000

  • Deductible

    $0(co-pays apply)

  • Coinsurance (in-network)

    In-Network: 80% of the next $100,000 of eligible expenses after applicable co-pays, then 100% to the overall maximum.
    Out-Network: Usual, Reasonable, and Customary (URC)

  • Medical Evacuation

    $50,000 / $25,000
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Student SecureBudget

$52/month

  • Medical Maximum

    $500,000

  • Deductible

    $0 (co-pays apply)

  • Coinsurance (in-network)

    In-Network: 80% of the next $45,000 of eligible expenses after applicable co-pays, then 100% to the overall maximum.
    Out-Network: Usual, Reasonable, and Customary (URC)

  • Medical Evacuation

    $250,000 / $25,000

  • Pre-existing Conditions

    12-month waiting period
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Student SecureSelect

$104/month

  • Medical Maximum

    $1,000,000

  • Deductible

    $0 (co-pays apply)

  • Coinsurance (in-network)

    In-Network: 80% of the next $25,000 of eligible expenses after applicable co-pays, then 100% to the overall maximum.
    Out-Network: Usual, Reasonable, and Customary (URC)

  • Medical Evacuation

    $300,000 / $50,000

  • Pre-existing Conditions

    6-month waiting period

  • School Sports

    Coverage up to $5,000 coverage per injury / illness — medical expenses only for intercollegiate, interscholastic, intramural, or club sports
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Student SecureElite

$178/month

  • Medical Maximum

    $5,000,000

  • Deductible

    $0 (co-pays apply)

  • Coinsurance (in-network)

    In-Network: 80% of the next $10,000 of eligible expenses after applicable co-pays, then 100% to the overall maximum.
    Out-Network: Usual, Reasonable, and Customary (URC)

  • Medical Evacuation

    $500,000 / $50,000

  • Pre-existing Conditions

    6-month waiting period

  • School Sports

    Coverage up to $5,000 coverage per injury / illness — medical expenses only for intercollegiate, interscholastic, intramural, or club sports
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Atlas TravelJ1 Compliant

$53.70/month

  • Medical Maximum

    $100,000–$2,000,000

  • Deductible

    $0, $100, $250, $500, $1,000, $2,500 or $5,000

  • Coinsurance (in-network)

    100% coverage on eligible expenses, after the deductible, up to the policy maximum.

  • Medical Evacuation

    $1,000,000 / Equal to the elected overall maximum limit
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* rates are based on students aged 24 and under unless otherwise noted.
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100% guarantee or your money back!

We guarantee that our plan will work for your school. If your school rejects the plan, you can get a full refund within 30 days of the effective date so long as the plan has not been used and you have proof of denial from your school.

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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.
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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.