How to Choose Health Insurance at FIU
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ISO Customer Care | Jul 10, 2025 Insurance
As an international student at Florida International University, having health insurance isn’t just important - it’s required. All international students must show proof of adequate coverage or they will be automatically enrolled in the university’s health insurance plan.
Fortunately, if you choose an approved provider like ISO Student Health Insurance, the process is simple - ISO works closely with FIU to handle your waiver automatically, so you won’t need to submit any paperwork yourself.
This article will explain FIU’s health insurance policy, your coverage options, and why many international students choose ISO.
What Is the FIU Health Insurance Requirement?
FIU mandates that all F-1 and J-1 international students carry health insurance that meets specific standards. Students are automatically charged for the university-sponsored plan unless they show proof of alternative coverage that meets the waiver criteria.
If you’re enrolling in Fall 2025, your policy must begin by August 15, 2025, and cover you through the end of the semester (or the academic year, if enrolling annually).
FIU Waiver Deadline for Fall 2025
To avoid being enrolled in FIU’s default plan, your alternative insurance must be in place before the waiver deadline: September 15, 2025.
Good news: If you enroll with ISO, you don’t need to submit the waiver yourself. ISO handles this process directly with FIU - saving you time and eliminating errors.
FIU Waiver Requirements for International Students
FIU’s insurance policy requires that any alternative plan must:
- Start no later than August 15, 2025
- Cover the entire Fall semester or full academic year
- Provide at least $100,000 in annual coverage
- Include prescription drug coverage
- Cover inpatient and outpatient medical services
- Provide mental health and substance abuse coverage
- Include medical evacuation (minimum $50,000) and repatriation of remains ($25,000)
- Have no pre-existing condition waiting periods
- Be underwritten by a U.S.-based company
ISO insurance plans are pre-approved and fully meet FIU’s requirements.
ISO vs. FIU’s Health Plan
Feature | FIU School Plan | ISO Insurance (Pre-Approved) |
---|---|---|
Accepted by FIU | Yes | Yes (Waiver auto-submitted) |
Fall 2025 coverage start date | 8/15/2025 | 8/15/2025 |
Waiver submission needed by student | Yes | No – ISO handles it for you |
Access to doctors in Florida | Yes | Yes (Aetna PPO network) |
Mental health coverage | Yes | Yes |
Emergency & urgent care | Yes | Yes |
Cost | Varies (typically >$2,000/semester) | Starting under $90/month |
Why FIU International Students Choose ISO
Waiver Submitted Automatically
No forms, no portal logins - ISO handles your waiver directly with FIU so you can focus on school.
Meets All FIU Requirements
ISO plans are designed specifically to meet FIU’s coverage standards and are approved by the school.
Flexible Enrollment Options
Choose full academic year coverage or Fall-only. If you need help selecting the right plan length, ISO can advise you directly.
Affordable Coverage with Strong Benefits
ISO offers plans starting as low as $49/month, covering doctor visits, mental health, prescriptions, hospital stays, and more.
Instant Enrollment
Sign up online in minutes and receive your insurance ID card and confirmation by email immediately.
Student-Focused, Multilingual Support
ISO’s team includes former international students who understand your needs and can assist in multiple languages.
How to Get Started
- Enroll in an ISO plan that begins
- ISO will automatically submit your waiver to FIU
- Relax! There’s nothing else you need to do - your FIU account will be updated once the waiver is processed
Enroll today at: 👉 https://www.isoa.org/schools/florida-international-university
Need only Fall coverage? ISO offers that too - just contact their support team after enrollment. Don’t wait - enroll early to secure coverage before the September 15, 2025 deadline.
About ISO Student Health Insurance
Founded in 1958, ISO prides itself on being the leader in providing international students with affordable insurance plans. Administered by former and current international students, we are able to assist our member with multilingual customer service in Chinese, Hindi, Spanish, and more. ISO serves over 3,200 schools/colleges and more than 150,000 insured students every year.
For more information, please visit www.isoa.org and connect with us on Facebook, Instagram, WeChat, WhatsApp, and LinkedIn.
