What is the coverage area of WorldTrips StudentSecure insurance?

StudentSecure Insurance is an international student health plan suited for students studying abroad outside their home country, providing medical coverage both in the U.S. and internationally.

How much does StudentSecure insurance cost?

The cost of StudentSecure insurance varies based on the traveler’s age, type of coverage, destination, and duration of travel. Costs can start as low as a few dollars per day but will be higher for older travelers or more comprehensive plans.

How do I purchase StudentSecure insurance?

You can purchase StudentSecure plans through American Visitor Insurance online or by contacting licensed insurance agents by phone for assistance with the application process.

What are the requirements for applying for StudentSecure Insurance?

To apply for StudentSecure Insurance, you need traveler passport details and travel dates. You can complete the application online or get help from an agent at American Visitor Insurance.

StudentSecure insurance reviews, Best Student Secure insurance

StudentSecure Medical Insurance Review

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

Underwriter
TMHCC Insurance SPC Ltd and Houston Casualty Company

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

What Is StudentSecure Insurance?

Student Secure Insurance is one of the best student medical insurance plans for international students and scholars studying outside their home country. This best international student health insurance option provides reliable medical coverage that meets the requirements of many programs, universities, and visa categories, including J-1 visa health insurance requirements. It’s underwritten by TMHCC Insurance SPC Ltd and Houston Casualty Company, and administered by WorldTrips, a travel and international health insurance provider with strong financial ratings.

Student Secure student insurance offers four flexible coverage levels—Elite, Select, Budget, and Smart—making it one of the best student insurance plans for different budgets and coverage needs. Each plan comes with varying policy maximums and benefits, allowing students to choose the best health insurance plan for international students based on their academic program and personal medical needs.

In addition to comprehensive medical coverage, Student Secure student health insurance includes valuable features such as travel assistance, sports coverage, vaccination benefits, and mental health coverage, making it a strong choice among the best medical insurance options for international students studying abroad.

StudentSecure is often chosen by:

International students (F-1, J-1, M-1 visa holders) needing to meet visa requirements and university insurance mandates.
Scholars, interns, or exchange students who want basic to comprehensive medical coverage without the complexity of traditional U.S. health insurance.

It is ideal for students who need:

Medical coverage that meets or exceeds most government, school, and visa insurance requirements, including J-1 visa health insurance requirements.
Flexible payment options, including a convenient monthly payment plan or cost savings when paying the full premium in advance.
Budget-friendly student medical insurance that is accepted by many universities, colleges, and exchange programs.
Coverage for leisure sports and activities, along with select outpatient prescription drug benefits and mental health coverage, making it one of the best insurance plans for active international students.
Comprehensive inpatient medical benefits, such as Hospital Room & Board, Intensive Care Unit (ICU) coverage, and local ambulance services, ensuring dependable protection during medical emergencies.

Why Do Multiple StudentSecure Coverage Levels Matter?

Choosing the right tier directly affects the level of financial protection you receive. Your selected plan determines:

How much medical treatment cost is covered
Coverage limits for pre-existing conditions
Availability and limits for maternity or newborn care
Coverage for emergency evacuation and repatriation

Note : Higher tiers offer greater protection and higher benefit limits, which can be crucial during serious medical situations.

What Benefits Do StudentSecure Insurance Plans Offer?

Visa and School Acceptance : StudentSecure generally meets U.S. student visa insurance requirements such as for J-1 and F-1 visas, and many universities accept it for proof of compliance.
Worldwide Coverage : Plans cover medical care across the U.S. and internationally — useful if you travel or return home during breaks.
Mental Health ServicesMany plans include outpatient and inpatient mental health coverage, which is increasingly important to students.
Emergency Evacuation & Repatriation In serious cases, transportation back to your home country or evacuation to the nearest medical facility is included.
No Upfront Deductible ($0)Many plans now have a $0 deductible, meaning coverage starts immediately without up-front costs before claims.

Comparison of StudentSecure International Student Insurance Plans

FEATURES & BENEFITS	ELITE	SELECT	BUDGET	SMART
Estimated Monthly Cost*	$181	$106	$53	$32
Overall Policy Maximum	$5,000,000	$1,000,000	$500,000	$200,000
Maximum Per Injury or Illness	$500,000	$500,000	$250,000	$100,000
Pre-Existing Condition Coverage	Covered after 6 months	Covered after 6 months	Covered after 12 months	Acute onset of pre-existing condition up to $25,000
Maternity Benefits	Up to $15,000	Up to $10,000	Up to $5,000	No coverage
Sports Coverage	Covers intercollegiate, interscholastic activities	Covers intercollegiate, interscholastic activities	Covers recreational sports and activities	Covers recreational sports and activities

*Costs shown are sample rates and may vary based on age, location, and coverage area.

What Are the Key Highlights of StudentSecure Insurance Plans?

StudentSecure Smart Insurance - Key Highlights

Entry-level international student health insurance designed for students studying outside their home country.
Policy maximum of $100,000 and Certificate period maximum of $200,000, with a $0 deductible.
Emergency room treatment covered up to $350 for claims within the U.S. only.
Mental health disorders (treatment not received at student health center) is covered as: Outpatient - maximum 20 visits, Inpatient - maximum 20 days.

Physician office visits up to $500 maximum
Inpatient mental health treatment up to $5,000 maximum

Acute onset of pre-existing conditions covered up to $25,000 lifetime maximum for eligible expenses.
Intensive Care Unit (ICU) charges covered up to the overall policy maximum.
Outpatient prescription drugs covered at 50% of actual charges (not subject to deductible or coinsurance).
Emergency dental treatment covered up to $500 per Certificate period (not subject to coinsurance).
Coverage for leisure, recreational, entertainment, and fitness sports activities up to the overall maximum limit.
Emergency medical evacuation covered up to $50,000 lifetime maximum (not subject to deductible or coinsurance).
Repatriation of remains covered up to $25,000 lifetime maximum (not subject to deductible, coinsurance, or overall maximum).

StudentSecure Budget Insurance - Key Highlights

Affordable international student health insurance for students studying outside their home country
Policy maximum of $250,000 and Certificate period maximum of $500,000, with a $0 deductible.
Emergency room treatment covered up to $350 for claims within the U.S. only.
Maternity coverage for a covered pregnancy up to $5,000.
Mental health coverage (when treatment is not received at a student health center):
- Outpatient treatment: up to 30 visits
- Inpatient treatment: up to 30 days
Intensive Care Unit (ICU) charges covered up to the overall policy maximum.

StudentSecure Elite Insurance - Key Highlights

Comprehensive international student health insurance offering the highest coverage limits.
Emergency room treatment covered up to $100 for claims within the U.S. only.
Mental health coverage (when treatment is not received at a student health center):

Outpatient treatment: up to 40 visits
Inpatient treatment: up to 40 days

Acute onset of pre-existing conditions covered up to $25,000 lifetime maximum for eligible expenses.
Pre-existing conditions covered after a 6-month waiting period.
Maternity coverage for a covered pregnancy up to $25,000.
Intensive Care Unit (ICU) charges covered up to the overall policy maximum.
Outpatient prescription drug coverage:
- Generic drugs: 100% coinsurance
- Brand-name drugs: 50% coinsurance
- Specialty drugs: Not covered
Emergency dental treatment covered up to $500 per Certificate period (not subject to coinsurance).
Coverage for leisure, recreational, entertainment, and fitness sports activities up to the overall maximum limit.
Optional rider available for intercollegiate, interscholastic, intramural, or club sports, covering up to $5,000 per injury or illness (medical expenses only).
Emergency medical evacuation covered up to $500,000 lifetime maximum (not subject to deductible or coinsurance).
Repatriation of remains covered up to $50,000 lifetime maximum (not subject to deductible, coinsurance, or overall maximum).

StudentSecure Select Insurance - Key Highlights

Mid-tier international student health insurance offering higher coverage limits than Smart and Budget plans.
Policy maximum of $500,000 and Certificate period maximum of $1,000,000, with a $0 deductible.
Emergency room treatment covered up to $200 for claims within the U.S. only.
Mental health coverage (when treatment is not received at a student health center):
- Outpatient treatment: up to 30 visits
- Inpatient treatment: up to 30 days
Acute onset of pre-existing conditions covered up to $25,000 lifetime maximum for eligible expenses.
Intensive Care Unit (ICU) charges covered up to the overall policy maximum.
Outpatient prescription drugs covered at 50% of actual charges (not subject to deductible or coinsurance).
Emergency dental treatment covered up to $500 per Certificate period (not subject to coinsurance).
Medical coverage included for intercollegiate, interscholastic, intramural, and club sports.
Emergency medical evacuation covered up to $300,000 lifetime maximum (not subject to deductible or coinsurance).
Repatriation of remains covered up to $50,000 lifetime maximum (not subject to deductible, coinsurance, or overall maximum).

What Common Pros and Cons Do Students Mention in Reviews?

Positive features:

Comprehensive medical coverage: Covers doctor visits, hospitalization, prescription drugs, emergency medical evacuation, and repatriation of remains.
Multiple plan levels: Four plan tiers (Smart, Budget, Select, Elite) allow students to choose coverage that fits their needs and budget.
Meets visa requirements: Satisfies most F 1, J 1, and M 1 visa insurance requirements, as well as many university and exchange program standards.
Pre existing condition coverage: Eligible pre existing conditions are covered after a 6 month waiting period (Elite/Select plans) or 12 month waiting period (Budget).
Mental health coverage: Inpatient and outpatient mental health services are included (varies by plan level).
Maternity & newborn care: $10 per visit for Smart & Budget plans and $25 per visit for Select & Elite plans.
Sports coverage: Policies can be purchased from 30 days up to 1 year and renewed for up to 4 years.
Worldwide coverage: Coverage both in the U.S. and internationally, making it ideal for students who travel.

Drawbacks:

Waiting period for pre existing conditions: Pre existing conditions are covered only after 6 or 12 months (depending on plan level).
Varies by plan tier: Benefits differ significantly between Smart, Budget, Select, and Elite plans, so students must review details carefully.

Compare StudentSecure Insurance Plans

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👨‍⚕️ How Does StudentSecure Insurance Work and How Much Does It Cost Per Month?

Consider an example where your:

Insurance Coverage Limit: $50,000
Total Medical Claims: $24,500
Deductible: $500 per certificate period (paid by insured)
Eligible Expenses After Deductible: $24,000 ($24,500 - $500)
Coinsurance: Insurance pays: In network 90% of eligible expenses

Below is a simple calculation showing how much the plan or insurance company pays for your expenses.

Expense	Billed	Insurance pays	You Pay
Deductible	$500	$0	$500
Hospital Stay (for 3 days)	$6,000	$5,400	$600
Surgical	$16,000	$16,000	$0
Prescription Drugs	$600	$600	$0
Diagnostic X-rays & Lab Services	$1,400	$1,400	$0
Total:	$24,500	$23,400	$1,100

* 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

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.

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

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.

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

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.

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.

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.

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

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

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

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.

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.

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.

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.

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.