Embry-Riddle Health Insurance Options for International Students and Cost Savings

Attending Embry-Riddle Aeronautical University in Daytona Beach means planning for more than just academics—health insurance is a required part of enrollment. All international students must either enroll in the university’s Student Health Insurance Plan (SHIP) or submit a waiver with an approved alternative.

For many students, waiving the school plan is the easiest way to reduce overall costs while still meeting all requirements.

ERAU Health Insurance Requirement

Embry-Riddle Aeronautical University requires all international students to maintain active health insurance that meets specific coverage standards. Students are automatically enrolled in the university plan unless a waiver is approved.

You can review the official policy on the Embry-Riddle Student Health Insurance page.

Students have two options:

• Stay enrolled in the ERAU SHIP and pay the annual premium
• Submit proof of alternative coverage through the school’s waiver process

For the 2025–2026 academic year, the ERAU student health insurance plan is approximately $2,100–$2,300 annually.

ERAU Minimum Insurance Requirements

Embry-Riddle outlines specific criteria that alternative plans must meet.

Based on the official school page, qualifying plans must include:

• Coverage from a U.S.-based insurance provider
• Adequate medical benefits for illness and injury
• Coverage for hospitalization, outpatient care, and emergency services
• Medical evacuation and repatriation coverage
• Continuous coverage throughout the enrollment period

You can review the full details on the official requirements page.

Important Enrollment Requirement (ERAU-Specific)

Embry-Riddle has a minimum enrollment period requirement that students should be aware of:

• Fall coverage must be at least 8 months in length
• If you need different coverage dates, approval from the school is required

This is a key factor when selecting your plan and setting your coverage dates.

How to Waive the ERAU SHIP Using an ISO Plan

ISO plans are structured to meet ERAU’s waiver requirements and streamline the approval process.

You can explore options on the ISO website.

A major advantage: ISO provides instant waiver-ready documents, including a completed form you can submit right away.

1. Visit the ISO enrollment page and choose your ERAU plan. Select coverage dates that meet the minimum requirement.
2. Enroll online in minutes. Your ID card and documents are delivered immediately.
3. Log into your ERAU student portal and access the waiver section.
4. Upload your ISO documents and submit your waiver for approval.

Once approved, the university insurance charge is removed from your account.

ERAU SHIP vs. ISO Plans: Side-by-Side

Feature	ERAU SHIP	ISO Share	ISO Care	ISO Care Elite
Annual Cost (Student)	~$2,200	$969	$1,089	$1,629
Deductible	Varies	$1,250	$500	$40
Coinsurance (In-Network)	Varies	80%	80%	90%
Annual Maximum	Varies	Unlimited	Unlimited	Unlimited
Medical Evacuation	Included	Included	Included	Included
Repatriation	Included	Included	Included	Included
ERAU Waiver Eligible	N/A	Yes	Yes	Yes
Savings	$0	~$1,231	~$1,111	~$571

Access to Care in Daytona Beach, Florida

ISO plans use the Aetna PPO network, giving students access to providers throughout the Daytona Beach area, including Halifax Health Medical Center.

Students may also use on-campus services through the ERAU Health & Wellness Center.

Why ERAU Students Choose ISO

• Lower cost compared to SHIP
• Plans built specifically for international students
• Fast online enrollment
• Instant waiver-ready documents
• Multilingual customer support
• U.S.-based claims processing
• Nationwide provider access

Final Thoughts

At Embry-Riddle Aeronautical University, meeting health insurance requirements is mandatory—but how you meet them is up to you.

By selecting a plan that aligns with ERAU’s requirements and enrollment rules, many students are able to significantly reduce their costs.

Once your waiver is approved, you can focus on your studies and your experience in Daytona Beach.

Ready to Waive the ERAU SHIP?

Compare plans and enroll on the ISO website. Enrollment takes just a few minutes, and your waiver documents are available immediately after signup.