Most students who study in the US will face the issue of waiving their school-sponsored health insurance. To cut down on expenses, many students choose low-cost off-campus insurance on their own and submit waiver applications, only to have them rejected for failing to meet the university's requirements. They end up being forced to pay for the expensive school health insurance, wasting thousands of extra dollars every year for no good reason.

However, in 2026, quite a number of international students also avoided these pitfalls, successfully passed the review by relying on compliant off-campus solutions, and managed to get their on-campus insurance fees waived.

This is the 【3rd Issue of Real Cases of Waiver for International Students' Health Insurance in the US】, where we have compiled real successful waiver cases from US universities to help you sort out the ideas for waiver and reduce the financial burden of studying abroad.

Latest Recent Cases

📌Case 1

🌟 Institution: University of Pennsylvania (UPENN)

🌟Insurance Plan： UHC Supreme

🌟Case Details: Student W submitted an application for exemption at UPenn. The consultant assisted in verifying the university's regulations, matching compliant solutions, and guiding the preparation of exemption materials. Eventually, Student W successfully passed the review of the University of Pennsylvania and saved a total of $2685!

📌Case 2

🌟 Institution: University of California, Davis (UCD)

🌟Insurance Plan: Wellaway Royal Plus

🌟Case Background: Student T found the on-campus insurance pricing rather high and hoped to switch to an off-campus insurance plan with better cost-effectiveness. After consulting a professional advisor, he selected the Wellaway Royal Plus plan and finally obtained the exemption successfully!

📌Case 3

🌟 Institution: Rutgers University (RU)

🌟Insurance Plan: Wellaway World Elite 450

🌟Case Background: After reaching out to the advisor, Student Z from Rutgers University learned about various off-campus insurance plans in detail. Based on his university's requirements, the advisor helped him select the Wellaway World Elite 450 insurance plan that meets the school's regulations, and he finally succeeded in the insurance waiver, saving $2395!

📌Case 4

🌟Institution: University of Pennsylvania (UPENN)

🌟Insurance Plan：world elite plus

🌟Case Background: Ms. L, who is about to start her studies at the University of Pennsylvania, found the school's student insurance too expensive. She reached out to us to help her select a plan that meets the university's requirements, and finally settled on the World Elite Plus plan. The uniteCare team provided full assistance throughout the insurance waiver process, and successfully helped Ms. L get her waiver application approved.

Exemption Process

Select an appropriate off-campus program

1. Log in to the official website, enter personal information, and query the prices of various insurance companies with one click;

2. Select an appropriate insurance plan in accordance with the school's waiver requirements.

Submit the application before the system deadline

1. Access the university exemption webpage;

2. Fill in the policy information online and upload the complete set of documents as required.

(For students who choose to entrust full authority to an agent, this step will be assisted by the team)

Pending approval

1. The regular review cycle takes 3–14 working days. Please keep an eye on your school email for notifications of the review results;

2. After the verification is approved, the SHIP fee will be deducted from the tuition.

If you are looking for a US student health insurance that meets your school's waiver requirements, feel free to consult us. We will match a suitable plan based on your institution, prepare a complete set of application documents for you, and help you avoid the hassle of application rejection.

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*【The specific quota is subject to the type of activity participated and the products purchased, please consult a professional consultant for details】