StudentSecure Elite Medical Insurance

Designed for International students with a low deductible and high overall maximum benefits

StudentSecure Elite Insurance Cost

Age & Citizenship
Start Date
End date

StudentSecure Elite International student health insurance

StudentSecure Elite Insurance is ideal for international students pursuing their education outside their home country with lowest deductible and offers maximum benefits. This plan meets J-1 visa requirements, covers pre-existing condition coverage after policy is in effect for 6 months and some intercollegiate, interscholastic, intramural, or club sports coverage. There are some optional add-ons which you can buy. It as a monthly payment option.

StudentSecure insurance is designed for international students seeking:
  • Coverage that meets or exceeds most government and visa requirements including J-1 visa requirements.
  • 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 Elite plan Insurance

Acute onset of Pre-Existing Conditions

Maternity care

Emergency medical evacuation

Urgent Care

Sports Coverage

Student Health Copayment

StudentSecure Elite Insurance Insurance Reviews

Insurance provider
StudentSecure Elite Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Deductible options
Policy maximum
  • Certificate period maximum: $5M
  • Maximum benefit per injury or illness:
StudentSecure Elite underwriter
Plan life 30 days to 364 days.
Coinsurance of StudentSecure Elite
In Network

The plan pays 80% of eligible expenses up to $10k, then 100% up to the Maximum Limit.

Out of Network - Usual, reasonable, and customary charges covered and the insured is responsible for any charges exceeding the payable amount.

StudentSecure Elite Insurance - Key Highlights

  • This is an international student health plan which is suited for international students studying abroad outside their home country.
  • Plan provides $100 for treatment in an emergency room for claims within the US only.
  • Co-insurance with this plan for the claims incurred within the US: Within the PPO, 80% of eligible expenses is covered up to the next $10k after deductible and then 100% of the expense is covered up to the overall maximum limit of the plan. For claims outside the PPO, usual, reasonable and customary charges are covered and the insured is responsible for any charges exceeding the payable amount.
  • Co-insurance for claims incurred outside the US : After the deductible, 100% of the eligible expenses are covered up to the Certificate period maximum.
  • Mental health disorders(Treatment not received at student health center) is covered as : Outpatient- maximum 40 visits, Inpatient - maximum 40 days.
  • Acute onset of pre-existing condition is covered for $25k lifetime maximum for eligible expenses.
  • Pre-existing conditions are covered after a 6 month waiting period.
  • Maternity care for covered pregnancy is covered for up to $25k.
  • Intensive Care Unit charges are covered up to the overall maximum limit.
  • Outpatient prescription drugs are covered as Generic drugs:100% co-insurance, Brand name drugs: 50% co-insurance, Specialty drugs: No coverage.
  • Emergency Dental treatment covers up to $500 maximum per Certificate period (Not subjected to co-insurance).
  • Sports activities, leisure, recreational,entertainment or fitness is covered upto overall maximum limit.
  • Optional Intercollegiate, interscholastic, intramural or club sports rider is covered up to $5000 maximum per injury or illness, medical expenses only.
  • Emergency Medical Evacuation is covered for up to $500k lifetime maximum (Not subject to deductible or co-insurance).
  • Repatriation of remains is covered for up to $50k lifetime maximum (Not subject to deductible, co-insurance or overall maximum limit).

WorldTrips StudentSecure Elite Plan Summary

What is the eligibility to buy StudentSecure Elite Insurance
  • Individuals up to the age of 65 years.
  • Individuals must be a full time student at a college or university, excluding online colleges and universities, or within 31 days of being a Full-time Student at a college or university; or must be a Full-time Scholar affiliated with an educational institution and performing work or research for at least 30 hours per week.
  • The Full-time Student/Scholar status requirement is waived for Participants within the US holding a valid F-1 visa including those students on OPT or a J-1 visa. Full-time status requirements remain in force for individuals holding M-1, or other category visas
  • Must be residing outside his or her Home Country for the purpose of pursuing international educational activities
  • Must not have obtained residency status in the Host Country.
  • Participants in the U.S. must hold a valid education related Visa. A copy of the I-20 or DS2019 may be requested.

StudentSecure Elite insurance Coinsurance
  • Inside the United States
    • In ppo network: Plan pays 100% of eligible expenses, after the deductible, up to the overall maximum limit.
    • Out of ppo network: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
  • Outside the United States
    • After the deductible, plan pays 100% of eligible expenses to the certificate period maximum.

What are the US state and country restrictions to buy StudentSecure Elite Insurance plan?

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.


Contact our customer service team, we are here to help you!

StudentSecure elite Insurance Claims Information

Download StudentSecure elite Insurance claims form

Toll Free Number

Claims Department
WorldTrips PO Box 240358 Apple Valley, MN 55124

StudentSecure Elite insurance benefits

  • 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 Generic Drugs: 100% coinsurance
    Brand Name Drugs: 50% coinsurance.
    Specialty Drugs: No coverage.
    Covid coverage StudentSecure Insurance covers covid 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)
    Physician Office Visit Copayment $20 per visit within the PPO network or outside the U.S.; otherwise, $40 per visit
    Urgent Care Copayment $30 per visit within the PPO network outside the U.S.; otherwise, $60 per visit
    Hospital Copayment – Inpatient and Outpatient $75 per visit within the PPO network or outside the U.S.; otherwise, $150 per visit
    Student Health Copayment (claims incurred in the U.S. only) Up to $10 per visit
  • Maternity Care for a Covered Pregnancy Up to $15k(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 $750 per injury / illness if hospitalized as inpatient
    Emergency room co-payment) $100 for treatment received in an emergency room
  • Emergency dental (acute onset of pain up to 72 hours) Up to $500 (not subject to deductible or coinsurance).
  • Emergency medical evacuation Up to $300k lifetime maximum
    Emergency reunion Up to $5,000, subject to a maximum of 15 days
    Repatriation of remains Up to $50k lifetime maximum
    Mental health disorders (Treatment must not be provided at a student health center) Outpatient: Maximum of 40 visits. Inpatient: Maximum of 40 days
    Personal liability Up to $25k lifetime maximum
    Up to $25k third person injury
    Up to $25k third person property
    Up to $2,500 related third person property
  • Acute onset of pre-existing condition * $25k lifetime maximum for eligible expenses
    Pre-existing condition 6 months waiting period
  • Accidental death & dismemberment Lifetime Maximum - $25k
    Death - $25k
    Loss of 2 Limbs - $25k
    Loss of 1 Limb - $12,500
  • 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 $5k maximum per injury or illness, medical expenses only
    Optional Accidental Death & Dismemberment Rider Lifetime Maximum - $25k
    Death - $25k
    Loss of 2 Limbs - $25k
    Loss of 1 Limb - $12,500
    Optional Crisis Response Rider - Ransom, Personal Belongings, and Crisis Response Fees and Expenses Up to $100k

Compare StudentSecure Insurance Plans

StudentSecure pre-existing condition insurance

General definition of pre-existing condition:

"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:

  1. The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;
  2. Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;
  3. You must be under eighty (80) years of age;
  4. You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;
  5. You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;
  6. You must be traveling outside your home country

StudentSecure Elite insurance - Faq's

01. Why do i need international student health insurance?

There 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 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.

02. Is it possible to renew StudentSecure Elite Insurance?

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

03. Does StudentSecure Elite offer coverage for Maternity and new born care coverage

StudentSecure Elite insurance offers Maternity care for covered pregnancy up to $25,000.It also offers Nursery care of new born up to $750.

04. Does StudentSecure Elite insurance offer coverage for Team sports.

StudentSecure Elite insurance offers up to $5k maximum for medical expenses for treatment of injuries while taking part in Intercollegiate, interscholastic, intramural, or club sports.

05. Will I lose StudentSecure Elite coverage when I graduate or if I leave school?

Yes, StudentSecure 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.

06. How does StudentSecure Elite insurance offer coverage for medical expenses?

StudentSecure Elite 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, StudentSecure Elite 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. StudentSecure Elite 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 StudentSecure Elite insurance working example.

StudentSecure Elite - PPO network

StudentSecure Elite - Provider network and how to find hospital or doctor? First Health Care Provider NetworkUnited Healthcare Provider Network
Outside US: There is no preferred provider organization (PPO) outside the US. To find doctors and hospitals outside the US, then click here
Find Provider Network

StudentSecure Insurance Exclusions

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.

  • Pre-existing conditions are excluded during the first six (6) months of coverage under StudentSecure Elite and Select and are excluded during the first twelve (12) months of coverage under StudentSecure Budget. Pre-existing conditions are excluded throughout coverage under StudentSecure Smart, except charges resulting directly from an Acute Onset of Pre-existing Condition, an Emergency Medical Evacuation, or Repatriation of Remains.
    • Note: A pre-existing condition is any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 12 months prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.
  • Immunizations and routine medical examinations, except under StudentSecure Elite as provided for under the Vaccination benefit
  • Routine prenatal care, pregnancy, childbirth, and postnatal care, unless directly related to a covered pregnancy
  • Medical expenses for injury or illness resulting from participation in specifically excluded extreme sports(see Description of Coverage for full list of excluded sports).

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