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Health Insurance Requirements

University policy requires that international students in F-1 and J-1 status, as well as their dependents, maintain adequate health insurance coverage during their time at Virginia Tech.  

Students are free to select a policy or insurer of their choice, as long as the coverage meets or exceeds the minimum university requirements. Minimum insurance policy requirements are as follows:

  • Adequate provider care within a 50 mile radius of campus of enrollment
  • Deductible of no more than $500 per accident or illness
  • Major medical benefits of at least $500,000 per insured per policy year
  • Repatriation and medical evacuation coverage to home country at no less than $10,000
  • Pregnancy, childbirth and complications of pregnancy must be treated as any other illness under the policy
  • Prescription coverage of no less than $500,000 per insured per policy year
  • Mental health care (in- and outpatient) covered as any other illness
  • No pre-existing condition exclusions or waiting period
  • No limits or internal dollar caps on coverage, including services, treatment or surgery
  • Coverage is valid for one year from Aug 1 or first day of enrollment in school, and effective through the following July 31 or last day of the month of the student's graduation

Additional Insurance Requirements for J-1 Students and Accompanying J-2 Dependents

In addition to meeting the above requirements, all J-1 students and their J-2 dependents must also meet Department of State requirements and have insurance in effect that covers them during the entire time of their exchange visitor program, including during their academic training:

  • Major medical benefits per accident or illness: $100,000 (formerly $50,000)
  • Medical evacuation: $50,000 (formerly $10,000)
  • Repatriation of remains to home country: $25,000 (formerly $7,500)
  • Deductible not to exceed $500 per accident or illness
  • Coinsurance not to exceed 25% of the covered benefits per accident or illness.