StudentSecure Budget covers for $250k per injury or illness with a deductible of $45 within PPO or student health center, otherwise $90 per injury or illness. This plan meets J-1 visa requirements, covers pre-existing condition coverage after policy is in effect for 12 months and some intercollegiate, interscholastic, intramural, or club sports coverage.
StudentSecure insurance is designed for international students seeking:Acute onset of a pre-existing condition
Meets student visa requirements for F-1 & J-1 visa
Maternity care
Monthly payment option
Nursery Care of Newborn
PPO network
StudentSecure is not available to individuals who are physically located in the states of New York, Maryland, or Washington or in the country of Canada or Australia at time of purchase.
| Hospital room and board | Average semi-private room rate, including nursing services. |
| Intensive care unit | Up to the overall maximum limit. |
| Outpatient treatment | Up to the overall maximum limit |
| Outpatient prescription drugs | 50% of actual charge (not subject to deductible or coinsurance) |
| Covid coverage | StudentSecure Insurance with coronavirus coverage covers Covid19 illness for international students outside their home country. |
| Outpatient Physical therapy & chiropractic care | Up to $50 per visit per day (not subject to coinsurance. Must be ordered in advance by a physician and not obtained at a student health center) |
| Maternity Care for a Covered Pregnancy | Up to $10k(not subject to coinsurance) |
| Nursery Care of Newborn | Up to $750(not subject to coinsurance) |
| Therapeutic Termination of Pregnancy | Up to $500(not subject to coinsurance) |
| Emergency local ambulance | Up to $500 per injury / illness if hospitalized as inpatient |
| Emergency room co-payment) | $350 for treatment received in an emergency room |
| Emergency dental (acute onset of pain up to 72 hours) | Up to $100 (not subject to deductible or coinsurance). |
| Dental treatment due to accident | Up to $250 maximum per tooth; $500 maximum per certificate period. Not subject to coinsurance |
| Emergency medical evacuation | Up to $250k lifetime maximum. Not subject to deductible or coinsurance |
| Emergency reunion | Up to $1k, subject to a maximum of 15 days |
| Repatriation of remains | Up to $25k lifetime maximum |
| Mental health disorders (Treatment must not be provided at a student health center) | Outpatient: Maximum of 30 visits; Inpatient: Maximum 30 days (Treatment must not be obtained at a Student health center) |
| Maternity care for a covered pregnancy | Up to $5k |
| Acute onset of pre-existing condition * | $25k lifetime maximum for eligible expenses |
| Pre-existing condition | 12 months waiting period |
| Terrorism | Up to $50k lifetime maximum for eligible medical expenses only. |
| Sports & activities - Leisure, recreational, entertainment, or fitness | Up to the overall maximum limit |
| Optional Intercollegiate, Interscholastic, Intramural, or Club Sports Rider | Up to $3k maximum per injury or illness, medical expenses only |
"A condition a person has been diagnosed with, is being treated for, or has with reasonable medical certainty before the start of the plan". So a person does not need to know they have the condition for it to be considered pre-existing (a diagnosis is not required).
Acute onset of pre-existing condition*:Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition.
The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
Review and compare the best StudentSecure Budget insurance quotes.
Buy StudentSecure Budget Travel InsuranceThere are several reasons to consider an international student insurance plan like StudentSecure for your overseas studies:
To Meet Visa Requirements:
Most countries require international students to possess a valid student visa. Some visas require proof of insurance that meets specific requirements. StudentSecure meets the insurance requirements of most visas, including the J-1 visa.
As a StudentSecure policyholder, you will have access to a visa letter you can use as proof of coverage. You can download your visa letter through the Member Portal, where you can conveniently manage your policy online.
To Meet Your Study Abroad Program or School Requirements:
Your program or university may require you to have valid student health insurance that meets requirements. Many programs and schools provide their own insurance plans, but oftentimes allow students to purchase alternate coverage that meets requirements.
Upon purchase of a StudentSecure policy, we will help you provide proof of coverage that meets requirements to your program or school. Simply submit a request for a waiver form and/or visa letter to sales@worldtrips.com. We will send completed copies of the form(s) to you and your school.
To Cover Unexpected Medical Expenses:
Your regular health insurance may not provide adequate coverage while you are outside of your home country. International student health insurance like StudentSecure can provide travel assistance and help mitigate unexpected medical costs.
Yes, International students can renew Student Secure Budget Insurance online up to 12 months.
Student Secure Budget insurance offers Maternity care for covered pregnancy up to $5,000.It also offers Nursery care of new born up to $250.
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.
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.
Student Secure Budget 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 Budget 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 Budget 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 Budget insurance working example.
WorldTrips - Provider network and how to find hospital or doctor?
Certain types of medical expenses are excluded from coverage under StudentSecure international student insurance. Some exclusions are listed here. Refer to the Description of Coverage for the complete list of exclusions.
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