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

YES. You can purchase our plans on a monthly basis. However, the required coverage period may vary depending on the plan you selected. We accept payment through credit card, debit card, checks, cash and PayPal.

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.

Once your purchase is completed, you will immediately receive a digital insurance ID card along with your plan brochure. You will use your insurance ID number and other personal info on your card for doctor visits and filing claims.

NO. 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. You can access your card on your mobile anytime, anywhere.

NO. You are NOT allowed to withdraw or get 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.

Your school insurance will not provide any coverage after your graduation. Therefore, we recommend all graduating students to purchase a OPT Insurance that will be effective the next day after your commencement.

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.

YES. You can add your spouse and/or your children when purchasing your F-1 student insurance. However, the premium for your dependents is much more expensive. As an alternative, we have designed plans specifically for F-2 visa holders, which are more low-cost.

Yes. Tigerless has insurance plans specially for travel visa holder, which mainly covers accidental injury, sickness hospitalization and accidental death.

Yes. We have insurance plans for visiting scholars. 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.

Generally speaking, applying for a Schengen visa needs proof of adequate health insurance. Each European country have different insurance coverage requirements. Our Schengen visa insurance plans can meet most of those insurance requirements.

Medical expenses can be extremely expensive in the U.S. That’s why most schools require all full-time students to maintain health insurance coverage while at school. Some school plans are rather expensive because they include additional benefits, which most international students may not need. Tigerless has carefully designed plans that are more affordable and reliable for all international students while meet all your school requirements.

Tigerless carefully selected insurance plans for each school based on their specific requirements, so our plans are the perfect substitutes for your school plan. Yet, if your waiver is denied, please contact our customer service for help.

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 rejected by 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.

You can either contact us via WeChat or reach us at 1-866-996-0777.

We recommend you to collect doctor’s Medical Certificates, Prescriptions, and Payment Receipts. Please remember to record the following information as they will be very helpful in your claim procedure: name of provider, date of service, diagnosis code, procedure code and provider’s id number which are normally found on the prescription record and receipt.

To check the status of your claim, you can contact insurance company directly with info on your insurance ID card. If you need any additional assistance, you can always reach us at 1-866-996-0777.

Our plans mainly include benefits such as hospitalization, physician consultation, emergency room service, prescription discounts and etc. In addition, some plans cover services like annual physical exams, immunizations/vaccines (HPV), maternity care, and etc. Also, we recommend you to take deductible, coinsurance, and out-of-pocket maximum into consideration when selecting a plan.

No. Dental & vision plans are sold separately in the U.S. However, our plans cover emergency dental related to accidental injuries.

Deductible is the amount you will have to pay before the plan benefits are applied. For example, if your plan has a $500 deductible, you will have to spend $500 on medical expenses during your period of insurance before your policy pays any benefits.

Out-of-pocket-maximum is the maximum amount you will have to pay during the plan year. Once you reach the corresponding amount, your plan will pay 100% of eligible covered expenses for the remainder of the plan year.

In-Network Providers are the doctors, hospitals, and pharmacies that have agreed to accept a Preferred Allowance as payment in full with the insurance company. We recommend you to select those in-network providers in order to save on medical expenses and to avoid the reimbursement procedures.

Coinsurance is the percentage of which your plan will cover on the service you receive, after you have paid your deductible and copay. For example, if your plan goes with coinsurance 80%, then after deductible, you will need to pay for 20% of billing and insurance will cover 80% of billing.