Studying in Andorra provides stunning Pyrenees views, a serene lifestyle, and excellent academic institutions. However, before immersing in studies and exploring mountains, prioritize securing health insurance.
In Andorra, international students need private health insurance unless they join the national system (CASS). Insurance policies vary: some offer strong hospital coverage, others excel in mental health, repatriation, or dental care. Some even allow easy claim filing via phone.
Let’s break down the best options available—clear, practical, and without the jargon.
1. MSH International
What’s Covered?
MSH International dominates global insurance, offering tailored plans for international students and expats. Their comprehensive packages include in-patient and out-patient care, dental, maternity, evacuation, and repatriation. This covers everything from minor clinic visits to major surgeries abroad.
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What to Watch For:
They provide various coverage levels, from basic hospital plans to comprehensive options like Health+. Note: pre-existing conditions might not be included, or there could be waiting periods.
Why Students Like It:
There’s 24/7 multilingual support, a massive international hospital network, and an app-based claims system—great for when you’re on the move or stuck in a new city.
2. Indigo Expat (OnePack & Junior)
Best for Younger Students (Ages 18–30)
Indigo Expat caters to mobile youth with flexible plans. These include hospital, outpatient, dental, vision, repatriation, and personal liability coverage, which is crucial for renters or those in campus activities:
It caters to EU citizens abroad and non-EU citizens residing in the EU—a plus for students with mixed nationality situations or those on exchange programs.
Coverage Options:
There are three types:
- 1st Euro plans (pure private coverage)
- Top-up to CFE (for those partially covered by French healthcare)
- Short-term plans (for under 12-month stays)
Annual Limit: Up to €1,500,000, which is more than enough for most medical events, even big ones.
3. ASSAP Top Salud
A Local Gem
Unlike some global insurers, ASSAP is well-rooted in Andorra and Spain. Their Top Salud plan is ideal if you’re not enrolled in CASS, Andorra’s public system.
Coverage Breakdown:
- 100% for medical treatment in Andorra and Spain
- 80% to 90% globally
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Deductible Options: You can choose to pay none at all or lower your premium with a small deductible.
Why It’s Unique:
It offers direct access to private hospitals in Andorra and Spain—no referrals or bureaucratic hoops. That means quick appointments, short waits, and more control.
4. Auras Student Travel Insurance
Simple. Cheap. Effective.
For students on a tight budget or short stay, Auras gets the job done. Starting at around $1.50 per day, it’s among the most affordable.
Coverage Includes:
- General medical visits
- Emergency care
- Surgeries, women’s health, medications
- Dental
- Repatriation
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Setup:
Everything is online. Buy it from anywhere. Get the policy via email within minutes. Claims? Handled in multiple languages with a no-fuss process.
Good To Know:
It’s great for short- to mid-term stays, not ideal for long-term or chronic care.
5. IMG Global – International Student Insurance
Tailored for Academic Needs
IMG Global offers three tiers—Student Health Lite, Plus, and Platinum. All of them meet or exceed university health requirements and often even visa standards.
What’s Covered?
- Emergency and routine medical care
- Mental health services
- Telehealth options
- Up to $500,000 in medical coverage
Why It’s Strong:
They offer round-the-clock mental health support and telemedicine, making it ideal if you’re far from home and dealing with emotional stress, culture shock, or minor medical issues.
6. Cigna Global Insurance
Modular and Global
Cigna has been around for decades. What makes it unique? Flexibility. You start with a core in-patient package, then add out-patient, vision, dental, repatriation, or emergency evacuation.
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Ideal For:
Students who want to customize coverage, or are staying longer than one academic year.
Service Perk:
Cigna has one of the strongest global customer service networks. Need help in English in a French or Catalan hospital? They’ve got you.
7. GeoBlue
Serious About Support
GeoBlue is affiliated with Blue Cross Blue Shield and focuses heavily on student-specific international plans. Their policies are known for their customer service and emergency support systems.
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Direct-Billing Network:
GeoBlue has partnerships with hospitals across multiple continents. You often won’t need to pay up front—which can be a lifesaver in an emergency.
Special Perk:
They help students navigate foreign healthcare systems—especially useful if you’re not confident in the local language or systems.
8. World Nomads
For the Adventurous
World Nomads was built for travelers, and it works well for gap-year students or those engaging in adventure sports while abroad.
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Covered Services:
- Emergency medical and evacuation
- Accidental death
- Some risky activity coverage (like skiing or hiking)
Not Ideal For:
Long-term study programs or those needing routine care.
Bonus:
Coverage can be extended while already abroad—a nice perk for spontaneous students.
9. Bupa Global
Top-Shelf Coverage
This is a premium provider with a premium price tag. If you’re after extensive care and top-tier service, Bupa is for you.
Coverage Includes:
- Dental and vision
- Chronic condition management
- Hospitalization and repatriation
- International travel vaccinations
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Ideal For:
Students who want the best of the best, or whose families are already covered under a Bupa family plan.
10. Now Health International / Integra Global / William Russell
Flexible and Future-Proof
These three global insurers offer similar advantages: modular coverage, mental wellness, and broad hospital access.
Strengths:
- Can cover stays of all lengths
- Excellent for mobile students who might be moving from one country to another (e.g., Erasmus+ students or those on dual degrees)
Mental Health:
They all include options for counseling, psychotherapy, and support for stress/anxiety—which can be game-changers for international students.
What Every Student in Andorra Needs to Know
Before you hit “buy” on any of these plans, keep the following in mind:
➤ Health Insurance Is Mandatory
If you aren’t covered by CASS, the Andorran government requires that you carry a private health insurance policy.
➤ Your Coverage Must Include:
- Hospitalization
- Emergency care
- Medical evacuation
- Repatriation
- Outpatient care
- Liability coverage
➤ Watch Out for Exclusions
Always check:
- Are pre-existing conditions excluded?
- What’s the coverage on mental health?
- Are high-risk activities (like skiing, snowboarding, mountain biking) covered?
➤ Local vs. Cross-Border Care
Major hospitals may refer serious cases to Barcelona or Toulouse. Make sure your policy includes cross-border treatment coverage in Spain and France.
➤ Visa and University Compliance
Ensure the insurance certificate includes:
- Your full name
- Validity dates matching your academic stay
- Proof of minimum required benefits
- Language: English, French, Catalan, or Spanish
Quick Comparison Table
| Provider | Core Strength | Coverage Type | Unique Feature |
| MSH International | Global reach & flexibility | Full spectrum incl. dental | Multilingual, app-based claims |
| Indigo Expat | Expat youth-focused | Hospital, repatriation, dental | Tailored for EU & non-EU mobility |
| ASSAP Top Salud | Local + Spain integration | Full local & global coverage | Direct access to Andorran/Spanish clinics |
| Auras | Simple, student-friendly | Emergency, dental, meds | Online setup, low cost |
| IMG Global | University-ready policies | Mental health, telemedicine | 24/7 support, visa-friendly |
| Cigna Global | Modular global customization | Everything from basic to full | Strong service infrastructure |
| GeoBlue | Hospital navigation help | Emergency + routine care | Language-friendly, direct billing |
| World Nomads | Travel & sport coverage | Emergency & accident | Extendable mid-trip |
| Bupa Global | Premium global services | Chronic + preventive care | Top-tier hospital access worldwide |
| Now Health, Integra | Modular & mental health focus | Routine + mental + wellness | Broad global hospital network |
Final Thoughts
Selecting health insurance isn’t as thrilling as planning a semester abroad, but it’s crucial. The right plan safeguards your health, finances, and academic path.
For international students in Andorra, choosing a global provider with a strong network, mental health support, and telemedicine is wise. Companies like MSH International, Indigo Expat, and ASSAP Top Salud are top picks, offering extensive benefits and student-friendly service. Compare options carefully. Examine details closely. Look for exclusions and ensure your policy meets Andorran immigration and university requirements.
References:
- Bupa Global. (2025). International health insurance for students. Retrieved from https://www.bupaglobal.com
- Cigna Global. (2025). International student health insurance. Retrieved from https://www.cignaglobal.com
- GeoBlue. (2025). Student health plans. Retrieved from https://www.geobluestudents.com
- Indigo Expat. (2025). OnePack & Junior Plans for expatriates. Retrieved from https://www.indigo-expat.com
- Integra Global. (2025). Health insurance for expats and students. Retrieved from https://www.integraglobal.com
- International Medical Group (IMG). (2025). International student insurance plans. Retrieved from https://www.imglobal.com
- MSH International. (2025). Health insurance for international students and expats. Retrieved from https://www.msh-intl.com
- Now Health International. (2025). Student health insurance. Retrieved from https://www.now-health.com
- William Russell. (2025). Private health insurance for students abroad. Retrieved from https://www.william-russell.com
- World Nomads. (2025). Travel insurance for students and young travelers. Retrieved from https://www.worldnomads.com
- ASSAP. (2025). Top Salud health insurance in Andorra. Retrieved from https://www.assap.ad
- Auras Insurance. (2025). Student travel insurance. Retrieved from https://www.auras-insurance.com (Note: domain may vary)
