menu
Plans
Plans

Customized Insurance That Puts YOU First

Resources
Helps

Looking for support? We are here to help

About
About

Bring us, you can go anywhere

You’ve got questions.
We’ve got answers.

F1 Health
Eligibility
Choosing a Plan
Enrollment
Waiving
Cancelling your plan
Filing a claim
OPT Health
Eligibility
Choosing a Plan
Enrollment
Cancelling Your Plan
Filing a Claim
H1B Health
Eligibility
Choosing a Plan
Enrollment
Cancelling Your Plan
Filing a Claim
Auto
Pet
Homeowners
Renters
Other Insurances
J1 Health
Dental
Vision
Travel
Savings Plan
Insurance 101
Handy Definitions
%% selectMenu %%
F1 Health
Eligibility
Choosing a Plan
Enrollment
Waiving
Cancelling your plan
Filing a claim
OPT Health
Eligibility
Choosing a Plan
Enrollment
Cancelling Your Plan
Filing a Claim
H1B Health
Eligibility
Choosing a Plan
Enrollment
Cancelling Your Plan
Filing a Claim
Auto
Pet
Homeowners
Renters
Other Insurances
J1 Health
Dental
Vision
Travel
Savings Plan
Insurance 101
Handy Definitions

Eligibility

You can still begin the purchasing process, but your plan will be based on the start and end dates of your F1 visa. Starting the process early can help move the process along.

-Individuals under the of age of 65

-Individuals who hold both a valid F1 visa and a current passport

-International students with a full-time schedule and a valid I-20

Choosing a Plan

Schools provide students an option to waive out of school insurance so it is a great chance for students to save more.   

It is essentially paperwork showing that you have sufficient medical coverage in case of a medical emergency. All of our plans are designed to be affordable for international students, while also providing the necessary coverage to satisfy the requirements of a school's insurance waiver policy.

Unfortunately, the United States sells dental and vision insurance separately from healthcare packages.

We do not allow upgrades after the initial package purchase. The only exception to this rule is that, if your plan does not meet your school waiver requirements, we can assist you in finding a new one. Written proof from school officials is required for all upgrades.

We have specifically crafted each plan to meet school waiver requirements while maintaining an affordable cost.

Enrollment

You are required to enroll in an insurance plan before your school's enrollment deadline is reached. The deadline for each school is different, but we have them listed on our website. You can enroll any time before your school's deadline.

We are required to adjust your enrollment dates for you per school guidelines to ensure that you have coverage for the entirety of the school year.

No. You can purchase our plans for at least 90 days and only accept one-time payment. However, the required coverage period may vary depending on the school you enroll in.

We begin your enrollment period per your school's guidelines. This can be the next day, or it can be several weeks after your initial purchase.

Please select and purchase an insurance plan based on your immigration/visa status. You don’t have to provide your visa documents when purchasing a plan.

NO. You will get your ID card by email once you enroll in our plan. Your digital ID card will include all the information you need (e.g. ID#, policy#, and etc.) to see a doctor and to file a claim.

Waiving

You simply have to purchase your plan before your school's deadline. To find your school's deadline, check out the website.

Go check our blog and find your school waiver instructions. Or contact us by phone, email or WeChat, we could walk you through the waiver process step by step.

It usually takes 15-30 business days for your school to process the refund. If you have not received your refund after 30 business days, please contact your school for more information. The refund will appear on your student account before being credited to your bank account.

The insurance waive application may be denied for a variety of reasons. For example, filling a wrong waive form, personal information mistakes, etc. If the above reasons occur, please contact our customer representatives right away, we will deal with your issues as soon as possible.

Usually, schools will ask for an insurance ID card, insurance brochure, and confirmation letter. After the purchase, you could find these documents in your email or your Tigerless account.

Cancelling your plan

NO. You are NOT allowed to withdraw or get a refund for any reasons EXCEPT our health insurance plan does not meet school waiver requirements. We promise a FULL refund within 30 days after your purchase, if you provide official rejection evidence from your school. Processing fee is non-refundable.

Filing a claim

If you visit an out-of-network provider, or your medical provider doesn’t file a claim, you have to pay the full amount at the time of service. Collect all the claim documents and file your claim within 90 days after the date of medical service.

In general, if you choose an in-network provider, you won’t pay up front for your medical expenses and will, therefore, avoid the reimburse procedures. If you have to pay the full amount at the time of service, please check out our website for filing claims. If you need any additional assistance, you can always contact our Support Center.

Please submit your claim application within 90 days after the date of medical service.  We recommend you to submit Itemized Bill, Proof of Payment, Student Status Document, and claim form to the claim department. Please check out our website for filing claims.

To check the status of your claim, you can contact the claim office directly with info on your insurance ID card. If you need any additional assistance, you can always contact our Support Center.

In general, claims are processed within 15-20 business days. It may take longer for some complex claims, so please allow 3-4 weeks for the claim department to process. Once the claim is processed, reimbursement will be mailed in the form of a check to the address designated. Make sure the address in your Tigerless account is your current valid address.

Please go to our Resource Center. You can download the corresponding blank claim forms for your health insurance. If you need any additional assistance, you can always contact our Support Center.

Eligibility

-Individuals under the of age of 65

-Individuals who hold both a valid F1 visa, a current passport, and with valid OPT status

You can still begin the purchasing process, but your plan will be based on the start and end dates of your OPT status. Starting the process early can help move the process along.

YES. You can purchase our OPT insurance as long as you have submitted your OPT application. It is okay if you are in your 60-day Grace Period.

Choosing a Plan

No. However, as an alternative, we have plans specifically for F-2 visa holders, which are more low-cost.

Yes. However, there will be a waiting period for your pre-existing condition.

Unfortunately, the United States sells dental and vision insurance separately from healthcare packages.

We do not allow upgrades to be purchased after the initial package purchase. The only exception to this rule is that, if your plan does not meet your school waiver requirements, we can assist you in finding a new one. Written proof from school officials is required for all upgrades.

Enrollment

You can enroll in an insurance plan any time after you apply for OPT.

You are recommended to start your new coverage period on the expiration date of your last insurance plan. You may purchase a minimum of 3 months and a maximum of one full policy year of coverage at a time.

No. You can purchase our plans for at least 90 days and only accept one-time payment.

Our health insurance can be effective as early as the second day after your purchase.

Please select and purchase an insurance plan based on your immigration/visa status. You don’t have to provide your visa documents when purchasing a plan.

NO. You will get your ID card by email once you enroll in our plan. Your digital ID card will include all the information you need (e.g. ID#, policy#, and etc.) to see a doctor and to file a claim.

Tigerless OPT plans will not provide a 1095 tax form.

Cancelling Your Plan

NO. You are NOT allowed to withdraw or get a refund for any reason.

Filing a Claim

If you visit an out-of-network provider, or your medical provider doesn’t file a claim, you have to pay the full amount at the time of service. Collect all the claim documents and file your claim within 90 days after the date of medical service.

In general, if you choose an in-network provider, you won’t pay up front for your medical expenses and will, therefore, avoid the reimbursements. If you have to pay the full amount at the time of service, please check out our website for filing claims. If you need any additional assistance, you can always contact our Support Center.

Please submit your claim application within 90 days after the date of medical service.  We recommend you to submit Itemized Bill, Proof of Payment, Student Status Document, and claim form to the claim department. Please check out our website for filing claims.

To check the status of your claim, you can contact the claim office directly with info on your insurance ID card. If you need any additional assistance, you can always contact our Support Center.

In general, claims are processed within 15-20 business days. It may take longer for some complex claims, so please allow 3-4 weeks for the claim department to process. Once the claim is processed, reimbursement will be mailed in the form of a check to the address designated. Make sure the address in your Tigerless account is your current valid address.

Please go to our Resource Center. You can download the corresponding blank claim forms for your health insurance. If you need any additional assistance, you can always contact our Support Center.

Eligibility

-Individuals who are in valid H1B status; 

-Individuals age from 12-39.

No. Tigerless H1B plans are only available to people in H1B status. You can contact us for more information.

Yes. You can choose to enroll in an individual plan rather than a group plan.

There is no restriction of open enrollment for Tigerless H1B Health Insurance. You are eligible to purchase it when your H1B status is valid, including grace period, unemployment period and relocating, etc.

Yes. You may purchase a minimum of 150 days of coverage at a time.

No, you don’t have to. Tigerless H1B plans use the Aetna network, covering 50 states.

No. However, Tigerless provides various plans for people in different visa status including F1, OPT, J1, etc. They can enroll in these plans if necessary.

Yes. Please contact us for more details in the Support Center.

Choosing a Plan

Tigerless H1B plan will be effective from July 1st to the next September 30th. You may purchase a minimum of 150 days and a maximum of one full policy year of coverage at a time.

Tigerless H1B plans will not provide a 1095 tax form.Please consult your Tax Advisor.

In 2017, the Trump administration repealed the individual mandate (requirement for everyone to have health insurance), which applied in 2019. However, some states still have an individual mandate at the state level.

Enrollment

No. The coverage period of Tigerless H1B health insurance plans start from 150 days and only accept one-time payment.

Cancelling Your Plan

NO. You are NOT allowed to withdraw or get a refund for any reason.

Filing a Claim

In general, if you choose an in-network provider, you won’t pay up front for your medical expenses and will, therefore, avoid the reimbursements. If you have to pay the full amount at the time of service, please check out our website for filing claims. If you need any additional assistance, you can always contact our Support Center.

Please submit your claim application within 90 days after the date of medical service. We recommend you to submit Itemized Bill, Proof of Payment, Visa Status Document, and claim form to the claim department. Please check out our website for filing claims.

To check the status of your claim, you can contact the claim office directly with info on your insurance ID card. If you need any additional assistance, you can always contact our Support Center.

In general, claims are processed within 15-20 business days. It may take longer for some complex claims, so please allow 3-4 weeks for the claim department to process. Once the claim is processed, reimbursement will be mailed in the form of a check to the address designated. Make sure the address in your Tigerless account is your current valid address.

Please go to our Resource Center. You can download the corresponding blank claim forms for your health insurance.If you need any additional assistance, you can always contact our Support Center.

Auto

YES. In the United States, laws in nearly all states necessitate compulsory auto insurance: meaning that if you’re pulled over while lacking the same, you’ll face various consequences including fines, vehicle impoundment, license suspension, or even legal penalties.

Generally, “partial” auto insurance includes only liability coverage. “Full” coverage, on the other hand, includes additional options such as medical payment, collision coverage, comprehensive coverage, etc. Note that auto insurance laws vary by state, meaning some areas may require vehicle owners to purchase full coverage (so policyholders should choose the appropriate insurance option based on their state's requirements).

Data shows that premiums are generally higher for drivers aged 16-19 than other age groups, partly because the probability of traffic accidents is three times higher for these drivers than others. In the United States, drivers under the age of 25 are categorized as "young drivers," with the age of 25 serving as the threshold for premium reductions. Premiums rise once again at age 65 due to increased risk among older drivers. Aside from age, car insurance costs also depend on vehicle condition.

① Contact your current insurance company and request to terminate the policy as of a specific date. 

② Cancel automatic payments (if previously established) and unlink your bank account. 

③ Purchase a new auto insurance plan before the renewal date of the previous policy.

Take swift action following an accident: contact your insurer, document the other driver's details to prevent a hit-and-run charge, assess injuries on the scene, inspect your vehicle, collect evidence, and file a police report. Provide a statement to law enforcement and exchange personal and vehicle info with the other party. Your insurer will then assign an adjuster to manage the subsequent process, which may involve scheduling repairs, evaluating your vehicle's condition, and/or offering additional support.

Yes; they too are covered. Even if their names are not on the policy, so long as your insurance does not explicitly exclude any household member, coverage extends to them as well.

In most cases, your auto insurance will act as the primary liability and provide coverage should an accident take place (with your friend’s auto insurance only coming into play as secondary liability after your insurance coverage limit is reached). 


Be mindful when lending your car! In the event of an accident, your auto insurance will bear any initial losses; and if your friend has insufficient insurance coverage or refuses to accept these losses, you should be prepared to assume legal responsibilities and the like.

Pet

① Medical expenses for pets, particularly those with hereditary diseases, can become prohibitively expensive when paid out of pocket. 

② Pet insurance premiums rise with age, so insuring your pet early on offers optimal value  (pre-existing conditions are typically not covered until insurance takes effect). 

③ Optional pet insurance benefits include veterinary care, treatments, preventive services such as vaccinations and check-ups, and comprehensive daily care.

Your premium will depend on several key factors including the type and breed of your pet, your location, pet age, reimbursement rate, annual limits, and deductible. Dog insurance is generally more expensive than cat insurance, and pet breed/age can also influence premiums. Pet insurance prices are sometimes higher in areas where veterinary care costs more and the risk of accidents is higher. Opting for higher annual limits, reimbursement rates, and lower deductibles will also lead to higher costs.

① When your pet is sick or hurt, bring them to any licensed veterinarian in the U.S. or Canada for treatment and pay as usual. 

② Submit claims online for any eligible expenses, providing detailed claim information as instructed and uploading copies of veterinary bills and other supporting documents. 

③ Following quick claim processing, you’ll be reimbursed via check or direct deposit for covered costs up to the annual limit after your annual deductible is met.

Unlike their human owners, pets (and their insurance plans) are not subject to provider network restrictions. Given direct reimbursements, your pet is free to seek treatment from any licensed veterinarian, specialist, emergency clinic, or hospital in the United States or Canada!

If your pet exhibits symptoms before coverage starts or during the 14-day waiting period, this is considered a “pre-existing condition” and thus not typically covered by insurance plans.

As pet insurance plans are designed to cover required diagnostics and treatment to help your pet recover in the aftermath of an unexpected accident or illness, they generally do not cover basic vaccination care. However, you can opt for a preventive care package (also known as “Preventive Essentials”), which covers annual wellness exam fees, vaccines, and various routine tests. Purchasing the appropriate plan means you’ll receive reimbursement for basic preventive healthcare costs.

Homeowners

Homes are among our most valuable assets, making homeowners insurance crucial protection against unforeseen disasters. Insurers provide compensation based on the policy, and coverage extends beyond merely protecting the home's structure from natural disasters (e.g., fires and storms) to also cover personal belongings such as clothing, furniture, and appliances. This financial security also includes emergency repairs, reconstruction assistance, and coverage for living expenses during the rebuilding process.

Homeowners insurance categorizes the approach utilized to cover potential risks into two buckets: “named peril” and “open peril. 

Named Peril: Coverage is limited to specific situations listed in the policy and therefore offers narrower coverage at a lower cost. 

Open Peril: Covers everything other than incidents explicitly excluded in the policy—resulting in broader coverage that comes at a higher cost.

Homeowners insurance in the U.S. typically consists of two main sections, per the following: 

Section I: Dwelling Coverage; Other Structures Coverage; Personal Property Coverage; Loss of Use Coverage 

Section II: Personal Liability Coverage; Medical Payments to Others Coverage

Homeowners insurance in the U.S. typically does not extend to the following situations: Ordinance or Law; Earth Movement (Earthquakes); Water Damage; Power Failure; Neglect; Intentional Loss; War; Nuclear Hazard; Government Action. 

Section II, specifically, typically excludes Motor Vehicle Liability, Watercraft Liability, Aircraft Liability, and Hovercraft Liability.

Typically, if you pay less than 20% of the home's appraised value and use a mortgage, the lending company will require you to buy homeowners or hazard insurance prior to the transfer of ownership—as a small down payment is considered a higher-risk mortgage, and lenders want to protect their investment in case of property damage or loss.

① Actual Cash Value: Pays the property's current value, accounting for depreciation. 

② Replacement Cost Value: Pays based on the property's original value at the time of the claim, without factoring in depreciation (typically used for the primary structure of a home). 

③ Extended Replacement Cost: Pays based on the current market cost to rebuild the property at the time of the claim.

① Understand your homeowners insurance policy terms, including insurer requirements and limitations. 

② Compare quotes from different insurers so you can make an informed decision. 

③ Choose the right coverage type, which can impact insurance costs. 

④ Consider coverage areas, as high-risk zones may affect eligibility. 

⑤ Determine sufficient coverage to avoid exceeding policy limits during a disaster. 

⑥ Establish an affordable homeowners insurance budget while factoring in deductible amounts.

Renters

Renters insurance isn't required from a legal perspective, but your landlord or property management company has the right to dictate this as a condition for leasing their property. Be sure to review all requirements before signing a lease agreement, knowing renters insurance offers comprehensive protection for tenants to reduce losses in the case of unexpected events.

Renters insurance is a policy that safeguards tenants' personal belongings (e.g., furniture, appliances, personal items, etc.) during the lease term. It also provides liability coverage, loss coverage, medical payments, and related services to cover medical and/or legal bills if someone becomes injured on the premises at your rental.

① Personal Property Coverage: Pays to repair or replace listed belongings** (furniture, appliances, clothing, etc.) if stolen or damaged. 

② Liability Coverage: May help cover another person's medical or property repair expenses after they visit a rented home (including legal fees and settlement costs, if necessary). 

③ Loss of Use Coverage: Pays for extra costs when a home becomes uninhabitable. 

④ Medical Payments Coverage: Typically covers situations when someone is injured inside your home and incurs medical expenses (usually up to the limit). 


*Coverage and payouts may vary by insurer and policy. 

**Valuable items such as jewelry and collectibles may need to be listed separately or covered by additional insurance.

① Preventative measures against accidents (e.g., fire prevention) 

② Damage from pests such as bed bugs, mice, or cockroaches 

③ Structural or permanent fixture losses (e.g., fireplaces) 

④ Losses due to tenant lease violations; losses related to tenant vehicles; losses due to war, civil unrest, terrorism, or nuclear events 

⑤ Natural disaster losses, unless specifically insured 


*Carefully review policy terms before purchasing.

① Location: Renters insurance costs vary by state, with higher premiums in high-risk areas. 

② Differences in Coverage: A larger quantity of personal belongings and/or valuable items increase required coverage and premiums. 

③ Deductible Amount: Lower deductibles result in higher premiums. 

④ Claim History: Making large and/or frequent claims can lead to relatively higher premiums. 


*Some apartments may have coverage requirements, making it wise to inquire with management accordingly before investing in a policy.

Renters insurance companies evaluate your losses when you file a claim and then generally offer two payout options: 

① Replacement Cost Policy: Reimburses you for the full cost of replacing stolen or damaged items with a new equivalent (e.g., if your laptop is stolen, you receive funds to buy a new laptop of similar value) 

② Actual Cash Value Policy: Provides compensation based on the current depreciated value of an item (e.g., if a 5-year-old laptop is stolen, you're reimbursed based on its present value and may thus need to cover the price difference to buy a brand-new model)

J1 Health

- Individuals under the of age of 65

- Individuals who hold valid J1 visa and a current passport

- J1 students with a full-time schedule and a valid I-20

Yes. We have insurance plans for exchange visitors. If you have not received your J1 visa, you can choose to purchase your insurance plan based on your program start time or your arrival date.

Unfortunately, the United States sells dental and vision insurance separately from healthcare packages.

We do not allow upgrades to be purchased after the initial package purchase. The only exception to this rule is that, if your plan does not meet your school waiver requirements, we can assist you in finding a new one. Written proof from school officials is required for all upgrades.
You are required to enroll in an insurance plan before your school's enrollment deadline is reached. The deadline for each school is different, but we have them listed on our website. You can enroll any time before your school's deadline.
We are required to adjust your enrollment dates for you per school guidelines to ensure that you have coverage for the entirety of the school year.
No. You can purchase our plans for at least 90 days and only accept one-time payment. However, the required coverage period may vary depending on the school you enroll in.

No. However, as an alternative, we have plans specifically for J-2 visa holders, which are more low-cost.

NO. You are NOT allowed to withdraw or get a refund for any reasons EXCEPT our health insurance plan does not meet school waiver requirements. We promise a FULL refund within 30 days after your purchase, if you provide official rejection evidence from your school. Processing fee is non-refundable.

Dental

The Delta dental insurance plan requires the insured to be at least 18 years old to be able to insure. If the insured is under 18 years old, it is recommended to take out the insurance together with the parents. Renaissance does not specifically indicate the age limit for dental insurance plans, and policyholders can choose to apply for insurance regardless of their age.

Yes, just contact customer service to get the Alternate ID.

You can click on our dental insurance link, enter the postal code of your area, and choose from the insurance plans you have obtained. If you have any questions, please consult our customer service team.

Yes. There is a waiting period of six-month or twelve months to apply for different dental treatments.

You can choose to pay the premium monthly, after which it will be automatically deducted according to the insurance price every month.

The effective date of the insurance can be chosen by yourself, and it is usually recommended that you choose a date closer to the purchase date.

Yes. Please contact the dental insurance company customer service in time to cancel your dental insurance plan

Vision

VSP Insurance does not specifically indicate the age limit for the vision insurance plan, and you can choose the vision plan  recording to your age.

You can click on our eye insurance link, enter the zip code of your area, and then choose from the insurance plans you have obtained. If you have any questions, please consult our customer service team.

Yes, you can choose to pay the premium in installments as annually or monthly.

Yes. If you choose to make monthly installments you can pick your billing date to occur on the first, fifth, tenth, fifteenth or twentieth of each month.

If you do not want to renew the insurance after the insurance expires, you can contact the VSP customer service to cancel the insurance plan before the insurance is automatically deducted for renewal.

Travel

If you are at least 14 days old and traveling internationally including F2, J2, B1, B2 and Schengen visas, you are eligible for coverage.

To see an overview of the benefits provided under Atlas Travel insurance coverage, please review Atlas Travel product page or see the Atlas Travel Description of Coverage.

You may submit a written cancellation request to [email protected] to cancel your Atlas Travel policy. To be eligible for a full refund, the request for cancellation must be received prior to the effective date.

After your initial purchase, you may extend your coverage (5-day minimum) up to a maximum of 364 days from the initial effective date. Provided there is no break in coverage, you will not be required to re-satisfy the deductible, nor will benefit limits be reset.

Savings Plan

The discount plan has no restrictions on insurance, and it can be purchased without SSN.
No, this is not an insurance plan. The savings plan provides you with discounted prices on a wide range of health care services and products; you will pay for services at the discounted price at the time services are received.

You can click on our savings plan purchase link, enter the zip code of your area, and then choose from the insurance plans you have obtained. If you have any questions, you can consult our customer service team.

No, the savings plan can be used immediately to obtain the corresponding discounted price for medical services.
Yes, the savings plan is divided into monthly payment and annual payment, just choose your suitable payment preference.
Verbal cancellations are accepted over the phone. If you cancel within the first 30 days of joining, you'll receive a 100% refund less any nominal processing fees, no questions asked.

Handy Definitions

A health insurance premium is the fixed fee you pay your insurer to keep your health insurance plan.

A deductible is the dollar amount you pay out-of-pocket for covered services before your health insurance plan begins to pay for your care.

Copayments are fixed dollar amounts you’re responsible for paying for covered appointments, services, medical equipment, or prescriptions.

Coinsurance is how much you owe for a covered health care service or prescription, calculated as a percentage of the allowed service amount.

Your out-of-pocket max is the most you could pay for covered health care in a calendar year aside from your premium.

A pre-existing condition is a medical condition you have on or before the start date of a new health insurance plan.

Preventive care includes tests, exams, and services to check your general health. 

In-Network means medical professionals, facilities, and suppliers your insurer has contracts in place with. Out-of-Network means medical professionals, facilities, and suppliers that your insurer has not contracts in place with. To find an in-network provider, please click here.


An explanation of benefits (EOB) is not a bill. It is a statement from your insurance company outlining what your doctor billed and what they paid.

Medically necessary health care services are those required to diagnose or treat a condition and meet accepted medical practices.


Excluded services are services that your health insurance plan won’t cover.