StudentSecure Smart Insurance
WorldTrips StudentSecure Smart is J-1 and F-1 visa-compliant international student health insurance with a $0 deductible and a $200,000 policy maximum, designed for full-time students and scholars studying outside their home country who want affordable medical coverage while studying abroad. It includes coverage for unexpected illnesses and injuries, recreational sports, mental health treatment, and 24/7 travel assistance services
What Is StudentSecure Smart Health Insurance?
StudentSecure Smart is the cheapest international student health insurance from WorldTrips, designed for full-time international students, scholars, and exchange visitors studying outside their home country. It offers affordable medical coverage with a $0 deductible, making it an excellent choice for students looking for low-cost international student health insurance while meeting their school or visa requirements. The plan also meets U.S. J-1 visa insurance requirements, making it a compliant option for exchange students and scholars.
Although StudentSecure Smart has lower coverage limits than the StudentSecure Budget, Select, and Elite plans, it provides essential protection for unexpected illnesses and injuries at the lowest premium in the StudentSecure. Students can choose the flexibility of monthly payments or save more by paying the full premium in advance. Download the WorldTrips StudentSecure Smart paper application to enroll in affordable international student health insurance while studying abroad.
After buying the plan, Students can get the StudentSecure Smart ID card and all the plan documents by using Student Secure Smart login portal. At American Visitor Insurance, International students can contact the StudentSecure Smart customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to assist you!
Who Is StudentSecure Smart Best Suited For?
Students who need a visa-compliant plan with a $0 deductible without paying Budget, Select or Elite pricing.
Ideal for shorter exchange terms and semester programs where a lower overall maximum is still enough coverage.
Leisure, recreational, entertainment and fitness activities are covered up to the overall maximum limit.
Scholars performing at least 30 hours/week of research at an educational institution also qualify.
Students who need maternity coverage, intercollegiate/club sports coverage, or ongoing treatment for a pre-existing condition - choose StudentSecure Budget, Select or Elite instead.
What Students Actually Need to Check First?
Not every plan advertised as international student health insurance offers the same benefits. Before choosing a plan, compare these important features to see if WorldTrips StudentSecure Smart meets your needs.
Who Is Eligible for StudentSecure Smart Insurance?
- Individuals up to the age of 65 years.
- Must be a full-time student at a college or university (excluding online-only schools), or within 31 days of full-time status; or a full-time scholar performing at least 30 hours/week of work or research.
- Full-time status is waived for F-1 visa holders (including OPT) and J-1 visa holders in the U.S.; still required for M-1 and other visa categories.
- Must be residing outside their home country for 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 DS-2019 may be requested).
- Not available to individuals physically located in New York, Maryland, Washington, Iran, Canada, or Australia at the time of purchase. Travel to Iran is not eligible under this plan.
Key Highlights:
- Acute onset of pre-existing condition covered up to $25,000
- Outpatient prescription drugs covered at 50% of actual charges
- Intensive Care Unit charges covered up to the overall maximum
- Intensive Care Unit charges covered up to the overall maximum
- Leisure, recreational & fitness sports covered up to the overall maximum
What Is the Coinsurance on StudentSecure Smart?
Within the PPO network in the U.S., StudentSecure Smart pays 80% of the next $100,000 of eligible expenses (after copayments), then 100% up to the overall maximum. Outside the U.S., the plan pays 100% of eligible expenses after copayments, up to the overall maximum limit.
How to Apply for StudentSecure Smart Insurance?
- Passport (for identity and date-of-birth verification)
- School/program name and U.S. address
- Your school's minimum insurance requirement, if a waiver is needed
- Form I-20 (F-1 students) or DS-2019 (J-1 exchange visitors)
- Intended coverage start and end dates
- Payment method for monthly or full-premium payment
Students without access to international credit cards or U.S. payment methods can apply using an offline paper application, submitting documents manually through an authorized representative or program sponsor.
How Much Does StudentSecure Smart Insurance Cost Per Month?
The Student Secure Smart health insurance cost per month ranges from $36 to $188 for students studying in the USA, and from $29 to $170 for students studying outside the USA. Pricing depends on the student's age, destination, the $200,000 medical maximum and the $0 deductible. Both monthly and full-payment options are available.
For example, here is the Student Secure Smart medical insurance cost per month with a deductible of $0.
How StudentSecure Smart Coverage Works in Action?
Excruciating stomach pain during a night out with classmates turns out to be sudden appendicitis requiring surgery. StudentSecure Smart provides up to $200,000 of coverage for eligible expenses - hospital room and board, diagnostic testing, physician charges, nursing services and surgery.
A recreational game outside the dorm ends with a fall and chipped teeth. The Emergency Dental Treatment benefit covers up to $500 to resolve pain or restore natural teeth lost or damaged in a covered accident.
A fall during a student hiking trip results in a broken leg requiring surgery. StudentSecure Smart provides up to $200,000 of eligible medical expenses, plus an Outpatient Physical Therapy benefit covering up to $25 per visit for physician-ordered recovery therapy.
Advantages & Disadvantages of StudentSecure Smart Insurance
Advantages
5 benefits$0 deductible - no out-of-pocket cost before coverage begins
Lowest premium among all StudentSecure plans
Meets J-1 visa insurance requirements
Acute onset of pre-existing condition covered up to $25,000
Outpatient prescription drug coverage at 50% of actual charges
Disadvantages
6 limitsLowest overall maximum ($200,000) among StudentSecure plans
No standard pre-existing condition coverage (only acute onset)
No maternity or newborn care coverage
No intercollegiate, interscholastic or club sports coverage
No Accidental Death & Dismemberment (AD&D) benefit
No vaccination or preventative care coverage
What Are the Benefits of StudentSecure Smart Insurance?
| Hospital room and board | Average semi-private room rate, including nursing services |
| Intensive Care | Up to the overall maximum limit |
| Outpatient Treatment | Up to the overall maximum limit |
| Outpatient Prescription Drug | 50% of actual charge (not subject to coinsurance) |
| Outpatient Physical Therapy & Chiropractic Care | Up to $25 per visit per day |
| Therapeutic Termination of Pregnancy | Up to $500. (Not subject to coinsurance) |
| Emergency Dental Treatment | Up to $500 |
| Emergency local ambulance | Up to $300 per injury / illness only when covered illness/ injury results in hospitalization as inpatient |
| Mental Health Disorders | Physician Office Visit: $500 maximum Inpatient: : Up to $5,000(excludes drug abuse and alcohol abuse) |
| Student Health Center Copayment | $25 per visit |
| Physician Office Visit Copayment | $75 per visit within the PPO network outside the U.S.; otherwise, $150 per visit |
| Urgent Care Center Copayment | $100 per visit within the PPO network or outside the U.S.; otherwise, $200 per visit |
| Emergency room co-payment (Claims incurred in the U.S. only) | $350 for the emergency room facility fee for treatment received in an emergency room |
| Hospital Copayment (Inpatient & Outpatient) | $200 per visit within the PPO network or outsidethe U.S.; otherwise, $400 per visit |
| Emergency medical evacuation | Up to $50,000 lifetime maximum |
| Emergency Reunion | Up to $1,000, subject to a maximum of 15 days |
| Repatriation of remains | Up to $25,000 lifetime maximum |
| Acute onset of pre-existing condition | $25,000 lifetime maximum for eligible expenses |
| Sports & Activities - Leisure, Recreational, Entertainment or Fitness | Up to the overall maximum limit |
Compare StudentSecure Smart vs. Elite, Select & Budget
| Feature | StudentSecure Smart | StudentSecure Budget | StudentSecure Select | StudentSecure Elite |
|---|---|---|---|---|
| Best for | Shortest stays and the lowest possible monthly premium | Budget-conscious students who still want solid mid-range benefits | Longer programs, students wanting faster pre-existing coverage & sports coverage | Maximum coverage, vaccinations, and personal liability protection |
| Medical maximum | $200,000 | $500,000 | $1,000,000 | $5,000,000 |
| Max Per Injury/Illness | $100,000 | $250,000 | $500,000 | $500,000 |
| Pre-existing condition wait period | No coverage | After 12 months waiting period | After 6 months waiting period | After 6 months waiting period |
| Acute onset of pre-existing conditions | Up to $25,000 | Up to $25,000 | Up to $25,000 | Up to $25,000 |
| Emergency Medical Evacuation | Up to $50,000 | Up to $250,000 | Up to $300,000 | Up to $300,000 |
| Maternity Care | Not covered | Up to $5,000 | Up to $10,000 | Up to $15,000 |
| Intercollegiate/Club Sports | Not covered | Not covered | Up to $5,000 | Up to $5,000 |
| Monthly cost | From $36 | From $62 | From $116 | From $203 |
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What Is Excluded From StudentSecure Smart Insurance?
Certain medical expenses are excluded from coverage under StudentSecure Smart. Some common exclusions are listed below - refer to the Description of Coverage for the complete list.
- check_circle Pre-existing conditions (except Acute Onset, Emergency Medical Evacuation or Repatriation of Remains).
- check_circle Immunizations and routine medical examinations.
- check_circle Routine prenatal care, pregnancy, childbirth and postnatal care (unless directly related to a covered pregnancy).
- check_circle Injury or illness from participation in specifically excluded extreme sports.
What Is a PPO Network in StudentSecure Smart Insurance?
A Preferred Provider Organization (PPO) network is a group of qualified doctors, hospitals and clinics that have agreed to pre-negotiated rates for insured students. Using an in-network provider typically means lower out-of-pocket costs. Inside the United States, StudentSecure Smart runs on the UnitedHealthcare PPO network, giving international students access to one of the largest healthcare provider networks in the country.
Outside US: There is no preferred provider organization (PPO) outside the US. To find doctors and hospitals outside the US, then click here »
How Do I File a Claim With StudentSecure Smart Insurance?
To file a claim with StudentSecure Smart Insurance, follow these steps:
How Does StudentSecure Smart Insurance Work?
Your policy covers sudden illness, accidental injury and acute onset of pre-existing conditions. Routine checkups and elective procedures are excluded. For major events, call WorldTrips' 24/7 travel assistance line first.
Show your StudentSecure ID card at a UnitedHealthcare PPO provider to minimize out-of-pocket costs. Out-of-network providers are allowed, but you may need to pay upfront and file for reimbursement.
With a $0 deductible, in-network care inside the U.S. is paid at 80% of the next $100,000 of eligible expenses (after applicable copayments), then 100% to the $100,000 per-injury/illness maximum. Outside the U.S., eligible expenses are paid at 100% after copayments, up to the overall maximum.
Download the claims form, complete it, and submit it with supporting documents to the Claims Department, or call 1-800-628-4664 for guidance. Email [email protected] for assistance.
WorldTrips processes claims and pays covered amounts once documentation is received. Your policy stays active until it expires or your $100,000 per-injury or $200,000 overall maximum is reached.
StudentSecure Smart Insurance – Frequently Asked Questions
Why Buy StudentSecure Smart Through American Visitor Insurance?
- Side-by-side plan comparison - Compare Smart, Budget, Select and Elite side by side and purchase securely online in minutes.
- Experienced support - Licensed agents with 20+ years of experience in international student and visitor insurance.
- Helpful resources - Detailed FAQs, blog articles and guides built from real student and parent questions.
- Claims support when you actually need it - the same team that helped you enroll can guide you through filing a claim.
- No markup - premiums are set by the carrier, so buying through us costs the same as buying direct, plus a human to call.
- Licensed & Trusted Platform - American Visitor Insurance is a licensed US-based insurance platform (NJ License #1181604).