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StudentSecure Select Insurance Insurance Review

StudentSecure Insurance
Insurance provider
StudentSecure Select Underwriter
Policy maximum?
Certificate period maximum: $600,000
Maximum benefit per injury or illness: $300,000
Deductible options?
$35 per injury or illness within the PPO network, outside the U.S. or student health center; otherwise $70 per injury or illness
StudentSecure Select Rating
  • AM Best Rating: A++ (Superior)
  • Standard & Poor’s Rating: AA-
StudentSecure Insurance links

StudentSecure Insurance Reviews

  • Provides coverage for pre-existing conditions after a 180-day waiting period for StudentSecure Select and StudentSecure Budget Plans.
  • Sports: Medical treatment arising out of participation in intercollegiate, interscholastic, intramural and sports club $5000(StudentSecure select plan) and $3000(StudentSecure budget plan) per injury or sickness.
  • Life/Plan renewal: The plan is available for an unlimited period of time to J1 and F1 visa holders who are engaged in a full-time educational program.
  • For charges incurred within the PPO or at a student health center, coinsurance will be waived and deductible is reduced to $50.
  • View complete details of benefits
  • A working example of using StudentSecure Select insurance

    Let us take an example: The medical bill is $25,000; Deductible is $35 and choosen Policy Maximum is $300,000
    • Insurance coverage is $300,000
    • Deductible is $35 per certificate period
    • Total medical expenses is $25,035
    The insured must pay the deductible ($35) before the insurance plan pays anything. Since the policy maximum coverage is $300,000 and the total amount billed is $25,035, the policy will pay 80% of first $5,000 then 100% up to the policy limit ($300,000). In this case the insured expense after the deductible is 20% of first $5,000, which is $1,000. Thus your final expense is $1,035 while the insurance company will cover the remaining $24,000.

    StudentSecure Insurance

    StudentSecure Insurance

    Expense Amount billed Amount Insurance Pays Amount Insured Owes
    Deductible $35 $0 $35
    Hospital Room Rent $9,000 $8,000 $1,000 (20% of first $5,000)
    Surgery $15,000 $15,000 $0
    X Ray $1,000 $1,000 $0
    Total $25,035 $24,000 $1,035
    *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.

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    StudentSecure Insurance Advantages

    • StudentSecure Select Insurance Covid19 travel insurance by WorldTrips for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.
    • Full time students and research scholars registered for universities outside their home country can buy this insurance.
    • This plan can be renewed online up to 4 years.
    • Full refund if the policy is cancelled before the policy start date. If the policy is after the policy start date after deducting the cancellation charges refund of premium for unused months will be paid.
    • It as a monthly payment option.
    • Good PPO network.
    • Pre-existing medical conditions are covered after a waiting period of 180 days.
    • Coinsurance inside the US - Underwriters will pay 80% of the next $5,000 of eligible expenses after deductible, then 100% to certificate period maximum.
    • Coinsurance outside the US - After the Deductible, Underwriters will pay 100% of Eligible Expenses to Certificate Period Maximum
    • The policy pays for maternity care, routine care for a newborn baby and therapeutic termination of pregnancy.
    • This policy covers for AD&D, evacuation, repatriation, emergency reunion, terrorism, intercollegiate or club sports.
    • It also covers for mental health disorders, dental cover, physical therapy & chiropractic care.

    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.

    WorldTrips Insurance related coverage

    WorldTrips Insurance related coverage

    StudentSecure insurance - Common Questions

    Is Worldtrips travel insurance a reliable insurance company? Is Worldtrips insurance a good insurance company ?

    WorldTrips, a member of Tokio Marine HCC group of companies since 1998 has been offering several travel insurance and trip cancellation products for international travelers across the globe. Their Atlas travel insurance and Visitors Secure products are popular for product excellence, by giving affordable options for travelers to customize to meet the requirements of unique traveler needs. Individuals traveling for vacation, business men, students and group insurance works well for travelers traveling overseas.

    This Indianapolis based company is the first company to enable their products and services for visitors via the internet for both US citizens and non–US citizens traveling abroad and to the US.

    Does StudentSecure Insurance cover covid illness?

    WorldTrips Covid19 travel insurance by StudentSecure Insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

    Is Worldtrips insurance a legit company?

    Worldtrips for over 23 years is a well-recognized company in the US and across the globe for their vast network of hospitals and healthcare support system .The company offers several travel insurance plans for travelers with financial support , access to the best healthcare support and 24/7 emergency travel assistance .

    Can I buy 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 travel insurance reviews indicate that it currently offers travel medical insurance for over 180 countries and trip protection insurance products for the US residents.

    What cover does Worldtrip offer in their WorldTrips Covid travel insurance? Does it have Quarantine coverage for US travelers?

    Worldtrips covid insurance includes coverage for covid19 illness just like any other illness in their Atlas travel insurance plans. The coverage for quarantine must be purchased for a minimum of 30 days along with the quarantine order by a physician or a government authority. Atlas insurance offers $50 per day for each day that travelers are quarantined abroad for a maximum of 10 days. The quarantine order should be based on the positive Covid-19 test report. The quarantine coverage is not available in the home country or it is not subject to deductible.

    Why should I buy travel insurance from Worldtrips insurance?

    World trips offers coverage around the world with the fully comprehensive travel medical insurance and trip protection products .Worldtrips was acquired by Tokio Marine in 2015 and functions as a member since the acquisition. Worldtrips insurance offer some of the unique travel medical and trip protection plans for international travelers worldwide.

    Is it possible to renew Student Secure Insurance?

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

    How can I cancel Student Secure insurance?

    If you want to cancel Student insurance, you must submit your cancellation request to 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 offer coverage for Maternity and new born care coverage

    Student Secure Smart insurance does not offer coverage for Maternity and new born care coverage. Other Student Secure insurance plans (Student Secure Budget, Student Secure Select and Student Secure Elite) offer coverage for maternity and new born care coverage.

    Does Student Secure insurance offer coverage for Team sports.

    Student Secure Smart insurance does not offer coverage for Intercollegiate, interscholastic, intramural, or club sports. Other Student Secure insurance plans (Student Secure Budget, Student Secure Select and Student Secure Elite) offer coverage for Team Sports.

    Will I lose Student Secure coverage when I graduate or if I leave school?

    Yes, Student Secure Insurance is available for full time students and will end its coverage once you graduate. You can buy the Atlas travel insurance plan for more coverage.

    How does Student Secure insurance offer coverage for medical expenses?

    Student Secure insurance offers comprehensive coverage for international students. After the deductible amount. If the student seeks treatment with the provider network namely “First Health care network or United health care.”. When studying outside the United States, you need to visit Equian International Provider Network to find healthcare provider or doctor nearest you outside the US. In the US, after the deductible amount, Student Secure Select insurance pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum limit. while seeking treatment in a provider network.

    Outside the provider network, it is Usual, reasonable, and customary charges and the student may be responsible for any charges exceeding the payable amount. Student Secure Select Insurance offers 100% of eligible expenses to the certificate period maximum after the deductible for claims outside the US. For detailed working example of how it works, you can review Student Secure insurance working example.

    WorldTrips resourceful travel insurance links