{"id":592,"date":"2026-07-08T08:14:10","date_gmt":"2026-07-08T12:14:10","guid":{"rendered":"https:\/\/studentlife.utk.edu\/student-health\/?page_id=592"},"modified":"2026-07-08T08:48:21","modified_gmt":"2026-07-08T12:48:21","slug":"international-student-insurance","status":"publish","type":"page","link":"https:\/\/studentlife.utk.edu\/student-health\/eligibility-costs-insurance\/international-student-insurance\/","title":{"rendered":"International Student Insurance"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:0;padding-top:0\">\n<div class=\"wp-block-cover alignfull has-custom-content-position is-position-center-left\" style=\"min-height:202px;aspect-ratio:unset;\"><img decoding=\"async\" class=\"wp-block-cover__image-background wp-image-6180 size-full\" alt=\"\" src=\"https:\/\/studentlife.utk.edu\/wp-content\/uploads\/2025\/09\/Smokey-Gray-Mountains.jpg\" style=\"object-position:50% 65%\" data-object-fit=\"cover\" data-object-position=\"50% 65%\" \/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim-0 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow\"><h1 style=\"padding-right:var(--wp--preset--spacing--large);padding-left:var(--wp--preset--spacing--large);padding-top:var(--wp--preset--spacing--x-small);padding-bottom:var(--wp--preset--spacing--x-small);margin-right:0;margin-left:0\" class=\"has-text-align-left has-link-color wp-elements-2669c25cd1f06430b4b85ebffeced485 wp-block-post-title has-text-color has-white-color\">International Student Insurance<\/h1><\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator alignfull has-alpha-channel-opacity\" style=\"margin-top:0;margin-bottom:0\" \/>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The United States does not have universal healthcare,&nbsp;and&nbsp;the cost of&nbsp;medical and\/or mental health services&nbsp;can be&nbsp;very expensive. Health insurance can help pay for&nbsp;the cost of managing your medical or mental health, including&nbsp;helping to&nbsp;pay for check-ups, lab testing, x-rays, physical therapy, vaccines, and prescriptions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">All international students<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>With an F1 or J1 visa&nbsp;are:\n<ul class=\"wp-block-list\">\n<li>Required to&nbsp;have health insurance while enrolled at UT<\/li>\n\n\n\n<li>Automatically enrolled&nbsp;at the beginning of each semester&nbsp;in the UT sponsored student health insurance plan<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>With&nbsp;a visa other than an F1 or a J1 visa may contact the Student Health Center to request a special waiver if they would like to opt out of the insurance plan<\/li>\n\n\n\n<li>Approved for permanent residency in the United States must contact a Student Health representative<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-group alignwide utkwds-link-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--medium);margin-bottom:var(--wp--preset--spacing--medium)\">\n<ul class=\"wp-block-list is-style-utkwds-link-group-2up\">\n<li><a href=\"https:\/\/www.studenthealthprograms.com\/resources\/\" data-type=\"link\" data-id=\"https:\/\/www.studenthealthprograms.com\/resources\/\" target=\"_blank\" rel=\"noreferrer noopener\">Insurance Information<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.studenthealthprograms.com\/resources\/#:~:text=Referral%20Guide,-Contains%20details%20on\" data-type=\"link\" data-id=\"https:\/\/www.studenthealthprograms.com\/resources\/#:~:text=Referral%20Guide,-Contains%20details%20on\" target=\"_blank\" rel=\"noreferrer noopener\">Referral Guide<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Optional Insurance Coverage at Additional Costs<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Dental Insurance<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.studenthealthprograms.com\" data-type=\"link\" data-id=\"https:\/\/www.studenthealthprograms.com\" target=\"_blank\" rel=\"noreferrer noopener\">Enroll in dental insurance<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.studenthealthprograms.com\/resources\/\" data-type=\"link\" data-id=\"https:\/\/www.studenthealthprograms.com\/resources\/\" target=\"_blank\" rel=\"noreferrer noopener\">Dental insurance details<\/a><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Vision Insurance<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.studenthealthprograms.com\" data-type=\"link\" data-id=\"https:\/\/www.studenthealthprograms.com\" target=\"_blank\" rel=\"noreferrer noopener\">Enroll in vision insurance<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.studenthealthprograms.com\/resources\/\" data-type=\"link\" data-id=\"https:\/\/www.studenthealthprograms.com\/resources\/\" target=\"_blank\" rel=\"noreferrer noopener\">Vision insurance details<\/a><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Dependent Enrollment<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.studenthealthprograms.com\" data-type=\"link\" data-id=\"https:\/\/www.studenthealthprograms.com\" target=\"_blank\" rel=\"noreferrer noopener\">Dependent enrollment details<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Important Information<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The student health insurance plan:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pays 100% of the cost of&nbsp;nearly all&nbsp;services at the&nbsp;on-campus&nbsp;UT Student Health Center<\/li>\n\n\n\n<li>Pays only part of the cost of medical and mental healthcare&nbsp;rendered&nbsp;by off-campus providers\n<ul class=\"wp-block-list\">\n<li>See <a href=\"https:\/\/studentlife.utk.edu\/student-health\/eligibility-costs-insurance\/how-the-ut-student-health-insurance-plan-ship-works\/\" data-type=\"page\" data-id=\"304\">how insurance works<\/a> off&nbsp;campus<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Requires students to obtain referrals to see off-campus providers\n<ul class=\"wp-block-list\">\n<li>Call <a href=\"tel:865-974-5080\" data-type=\"tel\" data-id=\"tel:865-974-5080\">865 974-5080<\/a> option 7 to get a referral&nbsp;<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Does not pay for dental or vision care; you <strong>must<\/strong>\u00a0purchase\u00a0those insurance components separately<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Waivers<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/studentlife.utk.edu\/student-health\/eligibility-costs-insurance\/student-health-insurance-plan\/#:~:text=Do%20you%20want%20to%20waive%20your%20insurance%2C%20insurance%20waivers%20%C2%A0\" data-type=\"link\" data-id=\"https:\/\/studentlife.utk.edu\/student-health\/eligibility-costs-insurance\/student-health-insurance-plan\/#:~:text=Do%20you%20want%20to%20waive%20your%20insurance%2C%20insurance%20waivers%20%C2%A0\">Waivers<\/a>&nbsp;are available for international students who have&nbsp;purchased&nbsp;their own insurance policy&nbsp;that&nbsp;meets or exceeds the&nbsp;following&nbsp;university-mandated criteria:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Unlimited medical coverage&nbsp;<\/li>\n\n\n\n<li>A deductible not to exceed $250 per policy year&nbsp;<\/li>\n\n\n\n<li>Requires student to pay less than 25% per accident\/illness&nbsp;<\/li>\n\n\n\n<li>No waiting period for coverage&nbsp;<\/li>\n\n\n\n<li>Coverage&nbsp;to include&nbsp;routine, preventive, and emergency medical care&nbsp;<\/li>\n\n\n\n<li>Coverage for pregnancy cannot be excluded&nbsp;<\/li>\n\n\n\n<li>Pre-existing conditions, declared or undeclared, must be covered&nbsp;<\/li>\n\n\n\n<li>Repatriation coverage of at least $20,000<\/li>\n\n\n\n<li>Medical evacuation coverage of at least $50,000<\/li>\n\n\n\n<li>A.M. Best Rating of \u201cA-\u201d or better or Standard &amp;&nbsp;Poors&nbsp;Rating of \u201cA+\u201d or better&nbsp;<\/li>\n\n\n\n<li>Proof of coverage (letter from insurance company&nbsp;stating&nbsp;dates of coverage)&nbsp;<\/li>\n\n\n\n<li>Summary of benefits (document from insurance company&nbsp;stating&nbsp;benefits)&nbsp;<\/li>\n\n\n\n<li>All information <strong>must<\/strong> be provided in English and US Dollars.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Note:<\/strong> Travel insurance is not considered major medical insurance and will not qualify for a waiver.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Important Dates&nbsp;and Deadlines<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Insured periods and deadlines:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Semester<\/th><th>Coverage Dates<\/th><th>Submission Deadline<\/th><\/tr><\/thead><tbody><tr><td>Fall<\/td><td>August 1 &#8211; December 31<\/td><td>August 31<\/td><\/tr><tr><td>Spring<\/td><td>January 1 &#8211; July 31<\/td><td>January 31<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Exceptions may be made for late arrivals and early departures from and to your home country only.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">International Graduate Students with a GA\/GTA Appointment<\/h2>\n\n\n\n<div class=\"wp-block-group alignwide utkwds-link-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--medium);margin-bottom:var(--wp--preset--spacing--medium)\">\n<ul class=\"wp-block-list is-style-utkwds-link-group-2up\">\n<li><a href=\"https:\/\/studentlife.utk.edu\/student-health\/wp-content\/uploads\/sites\/22\/2026\/07\/WAIVER-INTL-GRAD-ASSISTANTS-2024-2025.pdf\" data-type=\"link\" data-id=\"https:\/\/studentlife.utk.edu\/student-health\/wp-content\/uploads\/sites\/22\/2026\/07\/WAIVER-INTL-GRAD-ASSISTANTS-2024-2025.pdf\">Insurance Fee Waiver<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.studenthealthprograms.com\/resources\/\" data-type=\"link\" data-id=\"https:\/\/www.studenthealthprograms.com\/resources\/\" target=\"_blank\" rel=\"noreferrer noopener\">Insurance Information<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">English Language Institute (ELI) Students<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Contact the UT English Language Institute at <a href=\"tel:865-974-3404\" data-type=\"tel\" data-id=\"tel:865-974-3404\">865-974-3404<\/a> or <a href=\"mailto:eli.utk.edu\" data-type=\"mailto\" data-id=\"mailto:eli.utk.edu\">eli.utk.edu<\/a>.<\/p>\n\n\n\n<div class=\"wp-block-group alignwide utkwds-link-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--medium);margin-bottom:var(--wp--preset--spacing--medium)\">\n<ul class=\"wp-block-list is-style-utkwds-link-group-2up\">\n<li><a href=\"https:\/\/www.studenthealthprograms.com\/resources\/\" data-type=\"link\" data-id=\"https:\/\/www.studenthealthprograms.com\/resources\/\" target=\"_blank\" rel=\"noreferrer noopener\">Insurance Information<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Visiting Scholars<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Are&nbsp;<strong>not<\/strong>&nbsp;eligible to&nbsp;utilize&nbsp;the&nbsp;medical or mental health&nbsp;services at the Student Health Center&nbsp;<\/li>\n\n\n\n<li>May have prescriptions filled at the Student Health Pharmacy&nbsp;<\/li>\n\n\n\n<li>Must find in-network providers off campus<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-group alignwide utkwds-link-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--medium);margin-bottom:var(--wp--preset--spacing--medium)\">\n<ul class=\"wp-block-list is-style-utkwds-link-group-2up\">\n<li><a href=\"https:\/\/www.studenthealthprograms.com\/resources\/\" data-type=\"link\" data-id=\"https:\/\/www.studenthealthprograms.com\/resources\/\" target=\"_blank\" rel=\"noreferrer noopener\">Insurance Information<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.studenthealthprograms.com\/resources\/#:~:text=Referral%20Guide,-Contains%20details%20on\" data-type=\"link\" data-id=\"https:\/\/www.studenthealthprograms.com\/resources\/#:~:text=Referral%20Guide,-Contains%20details%20on\" target=\"_blank\" rel=\"noreferrer noopener\">Referral Guide<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull utkwds-icon-text has-light-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-390953e2 wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--small);padding-right:var(--wp--preset--spacing--small);padding-bottom:var(--wp--preset--spacing--small);padding-left:var(--wp--preset--spacing--small)\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-002ffff5 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-top is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<div class=\"wp-block-utk-wds-icon-block items-justified-center\"><div class=\"icon-container\" style=\"width:125px\"><svg width=\"126\" height=\"125\" viewbox=\"0 0 126 125\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M57.82 94.15v8.29h3.66v-8.29h-3.66Zm5.17-75.81c-13.47 0-24.43 10.96-24.43 24.43v2.93h3.66v-2.93c0-12.84 9.96-23.4 22.56-24.35-.6-.06-1.18-.08-1.79-.08Zm3.67 10.35c-.6 0-1.19.04-1.77.11 6.9.95 12.21 6.83 12.21 13.97 0 1.27-.32 2.52-.93 3.64a.7.7 0 0 1-.13.17L60.55 62.82c-.23.24-.44.5-.61.78a13.254 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24.43-24.43.61 0 1.19.02 1.79.08h.05c12.62.93 22.6 11.5 22.6 24.35 0 3.45-.98 6.8-2.83 9.69ZM68.99 92.52H57.01c-.45 0-.82.37-.82.82v9.92c0 .44.37.82.82.82h11.98c.44 0 .81-.38.81-.82v-9.92c0-.45-.37-.82-.81-.82Zm-11.17 1.63h10.35v8.29H57.82v-8.29Z\" fill=\"#4B4B4B\"><\/path><\/svg><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:70%\">\n<h3 class=\"wp-block-heading\">Questions about insurance waivers?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Contact the Student Health Center at\u00a0<a href=\"tel:865-974-5080\">865-974-5080<\/a>.<\/p>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>The United States does not have universal healthcare,&nbsp;and&nbsp;the cost of&nbsp;medical and\/or mental health services&nbsp;can be&nbsp;very expensive. Health insurance can help pay for&nbsp;the cost of managing your medical or mental health, including&nbsp;helping to&nbsp;pay for check-ups, lab testing, x-rays, physical therapy, vaccines, and prescriptions. All international students Optional Insurance Coverage at Additional Costs Dental Insurance Vision Insurance [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":0,"parent":331,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"no-title","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-592","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>International Student Insurance - Student Health Center<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/studentlife.utk.edu\/student-health\/eligibility-costs-insurance\/international-student-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"International Student Insurance - Student Health Center\" \/>\n<meta property=\"og:description\" content=\"The United States does not have universal healthcare,&nbsp;and&nbsp;the cost of&nbsp;medical and\/or mental health services&nbsp;can be&nbsp;very expensive. Health insurance can help pay for&nbsp;the cost of managing your medical or mental health, including&nbsp;helping to&nbsp;pay for check-ups, lab testing, x-rays, physical therapy, vaccines, and prescriptions. 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