StudentSecure Student Health Insurance Reviews

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StudentSecure medical Insurance Review

AM Best Rating: A++ (Superior) Standard & Poor’s Rating: AA-

Ideal for Pre-existing Condition Meets J-1 visa requirements Maternity care Cheap student insurance

StudentSecure Insurance

Student Secure Insurance is a student medical insurance plan that covers international students or scholars who are studying outside their home country. Student Secure student insurance provides health insurance that meets the requirements of many programs, schools, and visas, including the J-1 visa. It has four levels of coverage—Elite, Select, Budget, and Smart — with different policy maximums and benefits. Student Secure student health insurance also offers features like travel assistance, sports coverage, vaccination coverage, and mental health coverage.

StudentSecure insurance is designed for international students seeking:
  • Coverage that meets or exceeds most government and visa requirements including J-1 visa requirements.
  • Monthly payment option (or savings for paying the full premium in advance).
  • Coverage that meets the requirements of many programs and schools at a budget-friendly rate.
  • Coverage for leisure sports and activities included, as well as some outpatient prescription drug coverage and mental health coverage.
  • Monthly payment option (or savings for paying the full premium in advance).
  • Medical benefits such as Hospital Room & Board, Intensive Care Unit, and Local Ambulance included.

Key benefits of StudentSecure plan Insurance

Acute onset of Pre-Existing Conditions

Student Health Copayment

Monthly Payment Option

Urgent Care

Sports Coverage

Hospital Copayment

Key Highlights

WorldTrips StudentSecure insurance reviews

Reviews, Ratings and Experiences

I got a really great deal using World Trips Atlas insurance for my son. They found me the quote within minutes and it was by far the best on the market. Thank you!
  |  Cupa
Have not been on our trip yet but obtaining the insurance based on the different services provided was outstanding and made the decision easy on which plan to purchase.
  |  Jennifer
Easy to review plans and was very reasonably priced despite my husband having a preexisting medical condition. Customer service was extremely patient and helpful.
  |  Amelia

Advantages and Disadvantages of StudentSecure Insurance

  • Advantages
    StudentSecure Insurance Advantages
    • This plan comes in four levels of coverage Elite, Select, Budget or Smart to suit the needs and budget of the student.
    • The Elite plan provides a policy maximum of $500k and Certificate period maximum of $5M with deductible of $0.
    • This plan can be renewed online up to 4 years.
    • This policy covers for AD&D, evacuation, repatriation, emergency reunion, terrorism, intercollegiate or club sports.
    • It as a monthly payment option.
  • Disadvantages
    StudentSecure Insurance Disadvantages
    • After 60 days of risk start date, there is no refund for cancellation of the policy.
    • The policy holder has to wait for 6 months for the pre-existing diseases to be covered.
    • No coverage for the dependents.
    • Failure to get precertification of claims will result in reduction of 50% of eligible medical expenses.

Compare StudentSecure Insurance Plans

A working example of using StudentSecure insurance*

Let us take an example: The medical bill is $25k; Deductible is $0 and choosen Policy Maximum is $500k
  • Insurance coverage is $500k
  • Deductible is $0 per certificate period
  • Total medical expenses is $25,000

The insured must pay the deductible ($0) before the insurance plan pays anything. Since the policy maximum coverage is $500,000 and the total amount billed is $25,000, the policy will pay 80% of first $25,000 then 100% up to the policy limit ($500,000). In this case the insured expense after the deductible is 20% of first $5,000, which is $1,000. Thus your final expense is $1,000 while the insurance company will cover the remaining $24,000.

Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $0 $0 $0
Hospital Room Rent $9k $8k $1k (20% of first $5k)
Surgery $15k $15k $0
X Ray $1k $1k $0
Total $25,000 $24,000 $1,000
* Disclaimer:- We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.

WorldTrips StudentSecure insurance - FAQ's

1. What are the benefits of International Student secure insurance?

Student Secure provides excellent insurance cover to international students and scholars outside their home country. This plan meets J-1 visa requirements, covers pre-existing conditions and some intercollegiate, interscholastic, intramural, or club sports coverage. As Student Secure insurance comes in four variants, Smart, Select, Budget and Elite. It is recommended to compare among them and buy the best student insurance as per your requirements. These affordable international student secure insurance plans satisfy most of the university requirements and also US J visa requirements.

2. What is the coverage area of WorldTrips Student Secure insurance?

StudentSecure Insurance is an international student health plan which is suited for international students studying abroad outside their home country.

3. How much does StudentSecure insurance cost?

The StudentSecure insurance for students cost will vary depending on the age of the traveler, the type of coverage, the travel destination and the duration of travel. Typically, visitors travel insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers.

4. How do I purchase Student Secure insurance?

You can purchase Student Secure plans on American Visitor Insurance at Student Secure Insurance. You can also call them at (877)-340-7910 to get more information on how to apply for Atlas travel health insurance from licensed insurance agents

5. What are the requirements for applying for Student Secure Insurance?

The main requirements for applying for Student Secure is the travelers passport details and the travel dates. You can apply for Atlas travel insurance online on American Visitor Insurance or call (877)-340-7910 to get help while applying.

6. Can I buy student travel insurance from WorldTrips?

WorldTrips insurance previously known as Tokio Marine HCC – Medical Insurance Services Group has received A+ rating from the from S&P Global Ratings. WorldTrips currently offers Student Secure medical insurance for international students in the USA.

7. Why should I buy student health insurance from WorldTrips insurance?

WorldTrips offers coverage for international student from around the world in the US with the fully comprehensive student medical insurance. WorldTrips was acquired by Tokio Marine in 2015 and functions as a member since the acquisition. WorldTrips insurance offer some of the unique student medical insurance for foreign students worldwide.

8. Is it possible to renew StudentSecure Insurance?

Yes, International students can renew StudentSecure Insurance online up to 12 months.

9. Does StudentSecure offer coverage for Maternity and new born care coverage?

StudentSecure insurance offers Maternity care for covered pregnancy up to $10K. It also offers Nursery care of new born up to $750.

10. Who is eligible for Worltrips StudentSecure insurance?

To be eligible for WorldTrips StudentSecure medical insurance, you must:

  • Be a full-time student or scholar, the spouse of the full-time student or scholar, or a dependent traveling with the full-time student or scholar
  • Reside outside your country of residence for the purpose of pursuing international educational activities for a temporary period of time
  • Be physically and legally residing in host country with the intent to reside there for at least 30 days on the effective date and at renewal
  • Meet student visa requirements, such as F visa, J visa, or other types of visas

11. What are the travel benefits of StudentSecure insurance?

StudentSecure travel insurance provides benefits for eligible expenses related to emergency situations that occur during your policy period. The travel benefits include emergency medical evacuation, repatriation of remains, accidental death and dismemberment, terrorism coverage, trip interruption, lost checked luggage, and more. The amount of travel benefits depends on the plan option you choose.

12. How does the student secure by Worldtrips plan meet the J-1 visa requirements?

The WorldTrips student secure plan meets the J-1 visa requirements by providing medical benefits for sicknesses and injuries, emergency medical evacuation, repatriation of remains, accidental death and dismemberment, and medical assistance services. The plan also meets or exceeds the minimum coverage amounts required by the U.S. Department of State for J-1 visa holders.

13. What is the optional sports rider and how can I add it to my plan?

The optional sports rider is an additional benefit that covers up to $5K per injury resulting from intercollegiate, interscholastic, intramural, or club sports. You can add this rider to your plan by paying an extra premium of $1.25 per person per month. You can add this rider at the time of application or during renewal.

14. How does the student secure plan cover pre-existing condition?

The student secure health insurance plan covers pre-existing conditions after a waiting period that varies depending on the level of coverage. The Elite and Select plans have a 6-month waiting period, the Budget plan has a 12-month waiting period, and the Smart plan does not cover pre-existing conditions at all.

15. What are the leisure sports and activities that are covered by the WorlTrips student secure plan?

The student secure plan covers injuries and illnesses resulting from participation in leisure sports and activities that are not organized or sponsored by your school. Some examples of covered sports and activities are basketball, soccer, tennis, hiking, skiing, surfing, and yoga. However, some sports and activities are excluded from coverage, such as professional or semi-professional sports, contact sports, extreme sports, and motor sports.

Compare quotes of StudentSecure insurance cost with other plans

Quick Comparison of StudentSecure international student insurance

Meets J-1 Visa Requirements
Savings for Paying in Full
Overall Maximum $5M $1M $500k $200k
Maximum Per Injury or Illness $500k $500k $250k $100k
Mental Health Disorders
Outpatient Prescription Drugs
Preventative Care Up to $200
Personal Liability
Pre-Existing Conditions After 6 months After 6 months After 6 months

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