Compare Study USA vs StudentSecure Budget student insurance

Compare Student insurance benefits offered by Study USA and StudentSecure Budget 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.

How much does student health insurance USA cost?

Compare International students health insurance plans

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   Study USA      
Study USA 
Plan Maximum
  Buy Now 
Student Secure Budget
Plan Maximum
  Buy Now
Insurance Providers
Covid19 Coverage Covered Covered
Outside the U.S: Plan pays 100%
Inside the U.S: Plan pays 100%
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.
Length of Coverage Up to 12 months 5 dyas to 364 days
Renewability Yes : Up to 4 years Yes : Up to 12 months
 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 Up to the overall maximum limit
Urgent Care Clinic Not Available $75 per visit within the PPO network or outside the U.S.; otherwise, $150 per visit
Student helath care copayment Not Available Up to $25 per visit
 Maternity Care
Maternity Care for a Covered Pregnancy Standard, Preferred and Platinum plan:
IN PPO NETWORK: 80% of eligible expenses; OUT OF PPO NETWORK: Up to the overall maximum. Outside US: 100% coinsurance up to overall maximum.
Up to $5K(not subject to coinsurance)
Nursery Care of Newborn Standard, Preferred and Platinum plan:
Up to $500 - not subject to coinsurance
Up to $250K(not subject to coinsurance)
Therapeutic Termination of Pregnancy Standard, Preferred and Platinum plan:
Up to $500 - not subject to coinsurance
Up to $500K(not subject to coinsurance)
 Emergency Services
Emergency local ambulance Basic plan: $300 per injury or illness
Standard, Preferred and Platinum plans: $350 per injury or illness.
Up to $500 per injury / illness if hospitalized as inpatient
Emergency dental treatment Basic and Standard plans: Not Available.
Preferred and platinum plan: Up to $100 to alleviate pain.
Up to $500 for acute onset of pain
 Pre-Existing Condition
Pre-Existing Conditions Basic: No benefit
Standard: 12 months, $500 maximum per certificate period.
Preferred: 12 months waiting period
Platinum: 6 months waiting period
Covered after 12 months of waiting period
AD&D Basic plan:Not Available
Standard plan:Up to $5K lifetime maximum
Preferres and Platinum plans:Up to $25K lifetime maximum.
Not Available
Emergency medical evacuation Basic plan:$50K lifetime maximum
Standard plan:$250K lifetime maximum
Preferred and Platinum plans:$500K lifetime maximum.
Up to $250K lifetime maximum
Emergency reunion Basic plan:Up to $1,500, maximum of 15 days
Standard and Preferred plan:Up to $2,500, maximum of 15 days
Platinum plans:Up to $5k, maximum of 15 days
Up to $1K, subject to a maximum of 15 days
Return of mortal remains or cremation/burial Basic, Preferred and Standard plan:$25K lifetime maximum
Platinum Plan:Up to $50K lifetime maximum.
$25K lifetime maximum
Intercollegiate, interscholastic, intramural or club sports Basic, Preferred and Standard plan: Not Available.
Platinum plan: Optional Buy-Up: $10K.
Not Covered
Terrorism $50K maximum lifetime limit Up to $50,000 lifetime maximum for eligible medical expenses only.
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 HCC Lloyd’s Syndicate 4141. Underwritten by Lloyd’s
Rating AM Best Rating: "A" (Excellent) AM Best Rating: "A" (Excellent)
Brochure and Details
An overview

Comparision of StudentSecure Budget vs Study USA 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 Study USA Insurance from Travel Insurance Services with AM Best Rating of "A" (Excellent), and StudentSecure Budget Insurance from WorldTrips.

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 Study USA vs StudentSecure Budget insurance

Following are some of the student insurance aspects that students need to focus on while comparing among Study USA StudentSecure Budget Insurance:

Compare medical maximum coverage:

Usually student plans have an university requirement for a per injury sickness plans. All of the student plans satisfy this requirement. Study USA insurance offer coverage up to $500K while StudentSecure Budget offers policy maximum of $250K.

Compare deductible options:

Study USA insurance has a range of deductible option from $0 up to $500 while StudentSecure Budget insurance offers $0 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:

Study USA  plan covers inside ppo network up to 80% after deductible, up to overall maximum limit; ouside of ppo network plan pays 100% while Student Secure Budget covers inside ppo network plan pays up to 80% of the next $25K of eligible expenses after the deductible, then 100% to the overall maximum limit.Out of ppo network plan pays up to 100%.

Contrast the renewability options:

Study USA insurance can be renewed up to 4 years and StudentSecure Budget can be renewed up to 12 months.

Pre-existing conditions coverage:

Study USA Standard and Preferred plans have 12 months waiting period and Study USA platinum covered after 6 months waiting period while StudentSecure Budget Pre-existing conditions Covered after 12 months of waiting period.

  • Eligible for J-1 visa
  • Pre-existing Cover
  • Maternity
  • Renewable and Cancellable
  • Deductible Choice
  • A.M. Best Rating
  • Covid coverage
  • Underwriter
  • Provider
  • Buy now
  • Study USA
  • Yes
  • Yes, 12 months of waiting period
  • Covered
  • Yes
  • $0 to $500
  • AM Best Rating: "A" (Excellent)
  • Yes
  • HCC Lloyd’s Syndicate 414
  • Travel Insurance Services
  • 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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F2 dependents

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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  • Study USA Insurance - FAQ's

    What are the benefits of Study USA insurance?

    Study USA Insurance is an international travel health insurance for people traveling outside their home country and is available to both US and Non US citizens.

    Green Card holders in the USA and new immigrants are not eligible to purchase Study USA insurance. This includes coverage for medical expenses, evacuation, repatriation, emergency reunion, pre-existing conditions and other related benefits.

    What is the coverage area of Study USA insurance?

    Study USA is international health insurance for people traveling outside their home country and is available to both US and Non US citizens.

    How much does Study USA insurance cost?

    The cost of the Study USA insurance 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.

    How do I purchase Study USA insurance?

    You can purchase Travel Insure services on American Visitor Insurance at buy You can purchase Travel Insure services on American Visitor Insurance at buy Study USA insurance. You can also call them at (877)-340-7910 to get more information on how to apply for Study USA insurance from licensed insurance agents..

    How do I get the college waiver form for Study USA?

    After purchasing Study USA insurance, please fill in your portion of the information in the college waiver form and sign it. The form has to be sent to Travel insurance Services either though fax at (610) 537-9851 or through email it to Travel Insurance Services will complete the form and fax it back to the school within one business day.

    Can I buy Study USA if I am already outside my home country and studying?

    Yes, you can buy Study USA insurance as long as you satisfy the eligibility requirements.

    Can the Study USA insurance plan be renewed?

    Yes, the Study USA plan can be renewed up to a period of 4 years as long as the eligibility requirements are satisfied.

    Does Study USA Insurance cover covid illness?

    Travel Insure Covid19 travel insurance by Study USA 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.

  • StudentSecure Budget - FAQ's

    Is it possible to renew StudentSecure Budget Insurance?

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

    How can I cancel StudentSecure Budget insurance?
    If you want to cancel Student insurance, you must submit your cancellation request to orders@World 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 StudentSecure Budget offer coverage for Maternity and new born care coverage?

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

    Does StudentSecure Budget insurance offer coverage for Team sports?

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

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Study USA plan

Study USA Health Insurance provides affordable student medical insurance to foreign students studying in the US and to US registered students studying abroad. This flexible, comprehensive plan is tailored to the specific needs of students and their dependents.

StudentSecure Plan

StudentSecure 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.

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20+ years!

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