Compare Student Secure Budget vs Navigator for Student Insurance

Compare Student insurance benefits offered by Student Secure Budget and Navigator for Student plans with various maximum coverage limits & deductibles. These two Student insurance plans are comprehensive benefit student insurance plans for international travel which offer pre-existing conditions. Compare price and benefits to find the best Student medical insurance plan for your needs.

Compare WorldTrips vs GeoBlue Student Insurance Plans

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Student Secure
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    Navigator      
Student Secure Budget
Plan Maximum
Deductible
Plan covers Covid19
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Navigator for Student
Plan Maximum
Deductible
Plan covers Covid19
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Insurance Providers
Coinsurance Within PPO: The plan pays 80% of the next $45K of eligible expenses after deductible, then 100% to the overall maximum limit.; Outside PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
Outside the U.S: Up to 100%
In Network: Up to 80%
Outside Network: Up to 60%
Length of coverage 5 dyas to 364 days Unlimited annual and lifetime medical maximum
Renewability Up to 12 months Up to 9 months
 Maternity Care
Maternity Care for a Covered Pregnancy Up to $5K(not subject to coinsurance) Covered
Nursery Care of Newborn Up to $250K(not subject to coinsurance) Not Available
Therapeutic Termination of Pregnancy Up to $500(not subject to coinsurance) Not Available
 Medical Benefits
Hospital room and board Average semi-private room rate, including nursing services. Average semi-private room rate, including nursing services.
Intensive care unit Up to the overall maximum limit Not Available
Student helath care copayment Up to $25 per visit Not Available
 Emergency Services
Emergency local ambulance Up to $500 per injury / illness if hospitalized as inpatient
Outside the U.S: Up to 100%
In Network: 80% to Coinsurance Maximum then 100%
Outside Network: 60% to Coinsurance Maximum then 100%
Hospital emergency room $350 for the emergency room facility fee for treatment received in an emergency room Not Covered
 Dental
Emergency dental treatment Up to $500 for acute onset of pain Covered
 Pre-Existing Condition
Pre-Existing Conditions Covered after 12 months of waiting period Covered
 Life
AD&D Not Covered Maximum Benefit: Principal Sum up to $10K
 Evacuation
Emergency medical evacuation Up to $250K lifetime maximum Unlimited lifetime maximum benefit up to $250K
Emergency reunion Up to $1K, subject to a maximum of 15 days Not Available
Return of mortal remains or cremation/burial $25K lifetime maximum Not Available
Prescription Drugs 50% of actual charge 100% of actual charges
Intercollegiate, interscholastic, intramural or club sports $3K maximum per injury / illness Medical expenses only Covered
Unique Advantages
  • Full time students and research scholars registered for universities outside their home country can buy this insurance.
  • Good PPO network.
  • It as a monthly payment option.
  • It also covers for mental health disorders, dental cover, physical therapy & chiropractic care.
  • It is a comprehensive plan.
  • It provides UNLIMITED annual and lifetime medical maximum with no waiting period
  • Pre-existing conditions covered with creditable coverage.
 Student Insurance
Underwriter Underwritten by Lloyd’s Underwritten by 4 Ever Life
Rating AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
AM Best Rating: "A-" (Excellent) carrier
Brochure and Details
An overview

Comparison of Student Secure Budget and Navigator for Student Insurance

There are popular insurance providers offering competitive international student health insurance plans. Before buying It is advisable to compare student medical insurance for international studies satisfying yours and university requirements.

The best international student insurance for studying abroad are Student Secure Budget Insurance from WorldTrips with AM Best Rating of "A" (Excellent) and Navigator for Student from GeoBlue with AM Best Rating: "A-" (Excellent) carrier.

What is international student health insurance?

International student health insurance is health insurance coverage for individuals who are studying abroad either short or long term while away from their home countries. Many of the US domestic health insurance plans may not cover a person fully while abroad. Also, some international programs may require certain levels of health insurance while participating in their programs. Luckily, we at American Visitor Insurance have made it easy to compare and find a cheapest health insurance for international students in USA just right for you and your situation.

What is the best health insurance for international students?

The best student medical insurance will vary for each student. There is no single student insurance which will work as the best international student health insurance plan for all students. The factors to consider while identifying the best student insurance will be the coverage benefits, the provider network and the cost of the health insurance for international students.

Factors for comparing WorldTrips vs GeoBlue Student insurance

Following are some of the student insurance aspects that students need to focus on while comparing among StudentSecure Budget & Navigator for Student Insurance:

Compare medical maximum coverage:

Student insurance plans are available in wide range of policy maximums starting from $50K to $1M. Usually student plans have an university requirement for a per injury sickness plans. All of the student plans satisfy this requirement. StudentSecure Budget offers policy maximum of $250K and Certificate period maximum of $500K. and Navigator for Student insurance offers coverage up to unlimited.

Compare deductible options:

StudentSecure Budget insurance offers $0 deductible while Navigator for Student insurance has $0 to $5K deductible option

Compare provider network:

It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.

Compare coinsurance options:

Student Secure Budget
Inside the United States - In ppo network: Plan pays 80% of the next $45K of eligible expenses after the deductible, then 100% to the overall maximum limit and Out of ppo network: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
Outside the United States After the deductible, plan pays 100% of eligible expenses to the certificate period maximum. while Navigator for Student provides coinsurance outside the U.S is up to 100%,in-network it pays up to 80% and in Outside network it pays up to 60%.

Contrast the renewability options:

Student Secure Budget and Navigator for Student both plans can be renewed up to 12 months.

Pre-existing conditions coverage:

Student Secure Budget Pre-existing conditions Covered after 12 months of waiting period while Navigator for Student insurance the Pre-existing conditions covered with creditable coverage.

  • FEATURES
  • Eligible for J-1 visa?
  • Pre-existing Cover?
  • Maternity?
  • Renewable and Cancellable?
  • Deductible Choice?
  • A.M. Best Rating
  • Covid coverage
  • Underwriter
  • Provider
  • Buy now
  • StudentSecure Budget
  • Yes
  • Yes, After 12 months of waiting period
  • Covered
  • Yes
  • $0
  • AM Best Rating: A++ Standard & Poor’s : AA-
  • Yes
  • Lloyd's
  • WorldTrips
  • Buy Now
j1 visa

Not on a F1 visa? Please review these other visa categories

J1 visa holders

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Insurance plans for dependents of an F1 visa holders.

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US Student Abroad

Insurance plans for US students studying outside their home country.

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J2 dependents

Insurance for J2 visa dependants satisfying visa requirements.

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OPT Status within F1 visa

Insurance plans for students on OPT status, OPT student health insurance.

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M1 visa holders

Medical insurance for students on vocational training.

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StudentSecure Budget vs Navigator for Student Insurance - FAQ's

  • StudentSecure Budget - FAQ's

    Is it possible to renew Student Secure Budget Insurance?

    Yes, International students can renew Student Secure Budget Insurance online up to 12 months.


    How can I cancel Student Secure Budget insurance?
    If you want to cancel Student insurance, you must submit your cancellation request to orders@World Trips.com in order to receive a refund or premium. Only members who have no claims are eligible for premium refund.
    Following are the cancellation policy terms and conditions:
    Cancellation before effective date:
    • Full refund of premium.
    Cancellation after effective date:
    • $25 cancellation fee will be charged by the insurance company.
    • Only unused portion of the plan cost will be refunded.
    • After 60 days, no refunds are granted.

    Does Student Secure Budget offer coverage for Maternity and new born care coverage?

    Student Secure Budget insurance offers Maternity care for covered pregnancy up to $5K.It also offers Nursery care of new born up to $250.


    Does Student Secure Budget insurance offer coverage for Team sports?

    Student Secure Budget insurance offers up to $3K maximum for medical expenses for treatment of injuries while taking part in Intercollegiate, interscholastic, intramural, or club sports.

  • Navigator for Student Insurance - FAQ's

    What is Navigator for Student Insurance?

    Navigator for Student Insurance offers worldwide coverage for students in United States. It provides UNLIMITED annual and lifetime medical maximum with no waiting period for preventive services.The plan covers pre-existing conditions with creditable coverage.


    Does Navigator for Student will pre-existing conditions?

    Yes. Navigator for Student insurance covers pre-existing conditions with creditable coverage.


    What are the coverage limits of Navigator for Student Insurance?

    Navigator for Student insurance provides UNLIMITED annual and lifetime medical maximum with no waiting period for preventive services.


    Does Navigator for Student will Preventative Care?

    Yes.This plan covers preventive care services with no waiting period or sublimit. No precertification penalty for inpatient or outpatient care.


    Are Geo Blue Travel insurers a reliable insurance company?

    GeoBlue is the trade name for the international health insurance programs of Worldwide Insurance Services, an independent licensee of the Blue Cross Blue Shield Association.Geo Blue travel insurance for more than 20 years have assisted globally in the complications of international healthcare and provide confidence for its members to travel safe and peacefully. The travel insurance solutions provided by Geo Blue provide excellent coverage for US citizens traveling overseas, travelers on work, study, Expats who live and travel internationally often.


    Is there coverage for Covid-19 illness in Geo Blue travel insurance?

    GeoBlue Voyager plan covers COVID-19 as a covered illness up to age 95.The essential treatment is covered however there may be policy deductible applicable.


    Is Geo Blue Travel insurers a good company?

    GeoBlue is the trade name for the international health insurance programs of Worldwide Insurance Services, an independent licensee of the Blue Cross Blue Shield Association. GeoBlue provides easy access and peace of mind to travelers and expats living around the globe. Their elite network of providers, innovative online tools, telemedicine tools and exceptional customer service set completely different standards for a full, reliable, suitable protection of your health and safety in the global community.


    Why should I buy travel insurance from Geo Blue Travel insurers?

    GeoBlue is a self-governing licensee of the Blue Cross Blue Shield Association who offer borderless access with a premium quality healthcare system with high-tech service for all travelers to feel secure while traveling around the world. Travelers can be rest assured that their travel requirements will be covered for a safe trip.


    Do these Navigator for Student meet the J-1 program Visa requirements?

    Yes, the plan benefits and three deductible options meet the requirements. The deductible options that meet the requirements are the 0, 250 and 500 plans.


    How GeoBlue Navigator for Student insurance plan works?
    • Customer applies online or via a paper application. Applicant is tracked to you when the customer uses your unique web link or brochure.
    • Plan is medically underwritten and coverage may be: 1) Issued with standard rates or 2) Rated up or 3) Declined for coverage based on health history.
    • Coverage is renewable at the consent of the member and insurer. Note: Members can keep the plan for a maximum of 9 months after returning home.
    • Welcome materials are sent electronically and via mail.
    • Members are invited to register on the website, mobile site or app.

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Factors to consider student insurance

Factors while buying best international student health insurance USA.
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Review US Student Health Insurance

StudentSecure Plan

Student Secure provides excellent insurance cover to international students and scholars outside their home country.These plan meets J-1 visa requirements, covers pre-existing condition coverage and some intercollegiate, interscholastic, intramural, or club sports coverage.

Navigator for Student Plan

GeoBlue Navigator offers comprehensive benefits and a range of deductible options that allow members to select the right amount of insurance coverage for their budget and lifestyle. Navigator for Student Insurance offers worldwide coverage for students in United States.


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