Student Insurance
Student Insurance During Summer Break: Stay Protected Year-Round
Most SHIP plans end at the end of spring semester. International students need year-round coverage to avoid summer gaps.
Most university SHIP plans cover only the academic year — leaving international students uninsured during summer breaks. For students staying in the US or traveling home, this gap creates serious financial risk.
Why Summer Coverage Matters
Summer is when international students often travel home, intern in different cities, visit family, or take advantage of cheaper US travel. Medical issues during these times — without coverage — can be catastrophic.
Three Summer Coverage Options
- Extend your SHIP through summer (often available for an extra fee)
- Purchase a short-term private plan for the summer period
- Switch to a 12-month international student plan that covers full year
Cost Comparison
SHIP summer extension: $400-$800. Short-term summer plan: $200-$400. Annual international student plan: $700-$1,800 (covers entire year including summer at lower per-month cost than just-summer plans).
Coverage While Traveling Home
Most international student plans cover you in your home country too — though benefits may be reduced. Verify before traveling. This is particularly useful for emergencies that happen during home visits.
Bottom Line
Don't leave summer uncovered. The math usually favors a year-round plan over SHIP plus a summer add-on. Ombrela offers year-round student plans designed for the academic calendar.
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