Frequently Asked Questions

Health insurance provides protection for unexpected illnesses and injuries that can interrupt your education and takes care of the expenses for preventative and routine health care. Students without health insurance often neglect their health or defer their health care because of the expense. No student should have to decide between continuing his or her education or paying a medical bill.

Insurance is only required for F1/J1 visa students only. F1/J1 visa student Summer class enrollment is optional, but insurance coverage is MANDATORY, regardless of overseas, in-person or online status. Students who no longer qualify for F1/ J1 visa status that have an insurance hold need to submit a “Adjustment of Status” request to the FIU ISSS Portal. Your insurance hold will be removed if your FIU profile no longer reflects F1/J1 visa status. Please Note: Status updates take 5-7 business days, so plan ahead regarding registration!

Your insurance company is asking for enrollment verification to confirm your student status. Please email the form to the FIU Enrollment Services at fiuverify@fiu.edu. Please be advised that enrollment verification can only be provided after the end of the add/drop period for the semester!

There is no specific deadline for submitting insurance for the semester. However, as insurance holds prevent class registration, the suggested deadline is the last day to add/drop classes for the term, which is the end of the first week of classes.

Insurance holds are automatically applied to all international student Panther accounts every term just before registration begins.  International student accounts remain active in the FIU system for up to one year ( 3 semesters) after a student’s last enrollment.  As holds only affect the student’s ability to register for next semester classes, graduated students do not need to remove it. Insurance holds do NOT prevent students from graduating or ordering transcripts.

FIU Health Compliance cannot make an approval decision on your insurance policy until the Alternative Insurance Compliance Form has been completed by your insurance agent and emailed to insure@fiu.edu or faxed to 305-348-3336. If your policy is provided by an employer, a Human Resources representative can also complete the insurance section of the form in place of an insurance agent. All of the insurance benefit specifications listed on the form must be met by the insurance policy (with the exception of medical evacuation and repatriation benefits) and the form must be signed by an insurance agent for approval. Your insurance policy must have a U.S. claims company or agent and provide coverage for the entire minimum coverage period required each semester. Submission of insurance cards do NOT satisfy the insurance requirements.

In order to be approved, alternative policies would need to satisfy all of the minimum coverage requirements listed on the International Student Alternative Insurance Compliance Form. In addition, the insurance must have a U.S. Claims company or U.S. agent address to process claims in the U.S.

Marketplace plans are NOT recommended for international students, as they do not routinely cover all minimum required benefits for international students and may not be willing to complete required international insurance compliance forms for school. International students are encouraged to confirm that their proposed policy satisfies benefits required and completes school forms prior to purchasing.

Compliance forms are no longer required for the suggested policies purchased from ISO(International Student Organization), PSI( Professional Student Organization), ISI (International Student Insurance) and ISP( International Student Protection), as those companies send reports of new student enrollments to FIU Health Compliance every 24-72 hours. If a student does not have their hold removed after the allotted time, please check your student email for any correspondence from our office or send your insurance receipt of payment to insure@fiu.edu. Holds cannot be removed until the enrollment report is received from your alternative insurance company. A Compliance Form is still required to approve policies purchased from IFS ( Insurance for Students) company.

Unfortunately, FIU Health Compliance cannot approve any outside insurance policies without a complete and signed Alternative Insurance Compliance Form. It is recommended that you confirm that your insurance provider can complete school-required forms before purchasing the policy. If your insurance policy is provided by an employer, you can have the insurance section of the form completed by a Human Resources representative of the employer in place of an insurance agent. If that is not possible, you may need to obtain other insurance coverage.

Suggested alternative insurance options are listed on our website, go.fiu.edu/healthcompliance under "Insurance for International Students," in the section titled “Approved Alternative Insurance Plans”

Currently, the only insurance accepted at the Student Health Center is the FIU-Sponsored Insurance Plan with United Health Care. Fees incurred by students not enrolled in the plan will be paid out-of-pocket.

Most services provided at the Student Health Center are provided free or low-cost due to the Health Fee paid with tuition. Currently enrolled students can be seen at the Student Health Center regardless of coverage status.

Pease visit the website of your insurance provider to download, complete and submit a claim form. You can also contact the Customer Service team for additional information and assistance using the contact information on your insurance card.

Enrollment reports are received from all but one of the FIU Approved Alternative Insurance plan providers every 24-72 business hours.  Students enrolled in Insurance for Students policies must submit a compliance form every semester. Insurance holds cannot be removed until enrollment confirmation reports are received from the insurance provider confirming payment and active coverage.

A supplemental insurance package called Emergency Travel Assistance, which covers medical evacuation and repatriation benefits, is available from Gallagher for $60. To enroll please visit our broker’s website, click on “Sign Up” and follow the enrollment instructions. Coverage is for one year after date of purchase. Please send the Confirmation of Payment to insure@fiu.edu to remove your insurance hold.

Temporary hold removals are not granted by our office, as insurance coverage is a mandatory condition of your visa status per the Florida Board of Governors state regulations. There are NO exceptions to this rule. Students are expected to plan ahead regarding required payments and documents before class registration every semester.

Current G1Y students are automatically enrolled into the G1Y policy with insurance provider, Wellfleet Student. Insurance holds are removed after Health Compliance receives the complete list of enrolled students prior to the end of the registration period. Former G1Y students can renew their insurance plan on the University Health Plans website (link below) by clicking on the "Enrollment Form" link on the left-hand side of the page or purchase one of the other insurance options. Please note that progressed students become ineligible for the Wellfleet Student Insurance if their coverage lapses for more than one semester.

FIU- Global First Year

Please complete the student information section of the Alternative Insurance Compliance Form and send it to the designated Student Health Advisor with your embassy with your Embassy ID number. Holds will be removed when the completed form is received from your embassy official

Please Note: Financial Guarantees, FSL letters, or insurance cards are NOT considered sufficient for the insurance requirement.

Please send a copy of your Fulbright Award letter to insure@fiu.edu with your Panther ID number. We will forward the letter to our insurance broker to create an invoice for the cost of your insurance coverage. Your insurance hold will be removed when confirmation of invoice creation is received from our insurance broker. Please NOTE: It may take several weeks for payment of the invoice to be received and your coverage to be active.