I recently came to US on an F1 visa with my family, wife and two kids. My kids are going to school here. My university is providing insurance for me and not for my wife and kids. They asked me to buy it from where ever I want to. The question is, if I need to buy student insurance plans available at insubuy do I need to be the primary applicant? Since I am already covered by University, I don't want to be the primary applicant. Or Do I need to buy visitor insurance for my wife and kids? I am looking for plans that cover all type of injuries for my kids since they are going to school and may get injured during sports etc.