Shield for FIU 2026-2027
Best affordable coverage
Main benefits
$500,000 per injury and sickness
$500 annual deductible
$500 preventive care
80% coinsurance in-network
What the plan covers?
| Per injury/sickness maximum | $500,000 |
| Deductible per event Student Health Center | $50 |
| Deductible per event elsewhere | $100 |
| Maximum annual deductible | $500 |
| Copay Student Health Center | $0 |
| Copay primary care physician | $30 |
| Copay specialist/urgent care | $50 |
| Copay hospitalization | $300 |
| Copay emergency room | $200 |
| Coinsurance in-network | 80% |
| Coinsurance out-of-network | 70% |
| Pre-existing conditions | Covered after 3 months |
| Wellness and Preventative Care | $500 maximum |
| Repatriation of remains | $50,000 |
| Medical evacuation | $100,000 |
| Provider network | Aetna PPO |
View brochure:
You are eligible for this plan if you are a non-U.S. citizen, have a current passport or visa and are temporarily residing outside your home country/country of permanent residence. You must also be actively engaged in educational activity and start your educational program within 30 days of plan effective date and maintain full time student status for the duration of the policy. You are “actively engaged” in educational activity if you are one of the following:
1. Students who are enrolled and attending an associate or bachelor’s program at an educational institution on a full-time basis;
2. Students on J1 visa who are enrolled and attending classes at an educational institution on a full-time basis;
3. Students on F1/J1 visa who are enrolled in a master’s or PhD degree;
The full-time requirement is waived for summer if the student was attending school as a full-time student in the preceding spring term.
Your dependent spouse and your dependent children are also eligible for coverage under your plan if they hold a valid visa to the U.S., and you pay the premiums due for each covered dependent. Permanent residents of the U.S. or persons who have applied for permanent residency in the U.S. are not eligible for coverage under this plan.
Students currently on medical leave or on OPT are not eligible.
Frequently Asked Questions
Yes! ISO offers health insurance plans that meet FIU's requirements for international students and are pre-approved by FIU. Many students on F-1 and J-1 visas have successfully used ISO plans to waive the university insurance plan.
Yes! In the very unlikely event your waiver is denied due to plan benefits, we’ll work with you to try and get it approved. If we can’t help resolve it, you’ll get a full refund—just make sure to reach out within 30 days of your plan’s start date.
ISO works directly with FIU’s insurance team and reports your enrollment on your behalf. That means you don’t need to submit any insurance documents yourself. Once you purchase your ISO plan, you’re all set!
With ISO insurance, you can access in-network providers through the Aetna PPO network. Local facilities include Jackson Memorial Hospital and Baptist Health South Florida.
It’s recommended to purchase your ISO plan at least 2–3 weeks before classes begin. This gives you enough time to receive your documents, complete the waiver, and access care upon arrival.