What is Student Secure insurance for international students?
Student Secure is a comprehensive international student insurance plan designed for students and scholars studying outside their home country. This plan is ideal for full-term students, exchange scholars, and those participating in cultural or educational programs abroad. StudentSecure meets or exceeds most visa requirements (including the J-1 visa). It provides a visa letter as proof of coverage.
The Student Secure plan comes in four coverage levels: Smart, Budget, Select, and Elite, each with different policy maximums and benefits. Students can choose the plan that best suits their needs and budget. All plans provide essential health benefits such as coverage for injuries, illnesses, mental health care, vaccinations, and emergency medical evacuations. Additionally, certain plans cover maternity care, organized sports activities, and even pre-existing conditions after a specific waiting period.
WorldTrips also provide proof of comparable coverage with waiver forms and visa letters to the enrolled university once the student buys the plan. Complete your Student Secure Insurance application form to ensure you have the coverage you need while studying abroad.
- Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care around the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.
- These plans do not have benefit limits based on the type of medical expense.
- Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)
Why buy Student Secure health insurance?
- Meets school and government coverage requirements, including for those for F1, J1 visas and OPT students
- Offers coverage on monthly or annual basics (with monthly payment or full payment option)
- Includes hospitalization, doctor visits, prescriptions, mental health, and emergency medical evacuation.
- Telemedicine included
- Coverage is renewable up to 4 years
Who is eligible for Worldtrips StudentSecure insurance?
To be eligible for WorldTrips StudentSecure medical insurance, you must:
- Be a full-time student or scholar, the spouse of the full-time student or scholar, or a dependent traveling with the full-time student or scholar
- Reside outside your country of residence for the purpose of pursuing international educational activities for a temporary period of time
- Be physically and legally residing in host country with the intent to reside there for at least 30 days on the effective date and at renewal
- Meet student visa requirements, such as F visa, J visa, or other types of visas
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Student Secure student insurance policy details
StudentSecure medical student health insurance offers four plan options, you can choose the plan that fits your needs based on the level of coverage.
- Cheapest health insurance for international students
- Meets J-1 Visa Requirements
- Acute onset of pre-existing conditions: Covered up to $25,000
- Emergency Medical Evacuation: Up to $50,000 lifetime maximum
- Offers coverage for recreational sports and activities
- The cost for a 20 years old student starts from $32 per month ($372 per year). You can buy the plan either on a monthly or a yearly basis.
- Cost-effective choice with basic health coverage for students
- Meets J-1 Visa Requirements
- Acute onset of pre-existing conditions: Covered up to $25,000
- Emergency Medical Evacuation: Up to $250,000 lifetime maximum
- Offers coverage for recreational sports and activities
- Pre-existing condition is covered after a 12 month waiting period
- Repatriation of Remains: Up to $25,000 lifetime maximum
- The cost for a 20 years old student starts from $53 per month ($624 per year). You can buy the plan either on a monthly or a yearly basis.
- Meets J-1 Visa Requirements
- Acute onset of pre-existing conditions: Covered up to $25,000
- Emergency Medical Evacuation: Up to $300,000 lifetime maximum
- Offers coverage for recreational sports and activities
- Pre-existing condition is covered after 6 months waiting period
- Repatriation of Remains: Up to $50,000 lifetime maximum
- The cost for a 20 years old student starts from $106 per month ($1248 per year). You can buy the plan either on a monthly or a yearly basis.
- Meets J-1 Visa Requirements
- Acute onset of pre-existing conditions: Covered up to $25,000
- Emergency Medical Evacuation: Up to $300,000 lifetime maximum
- Offers coverage for recreational sports and activities
- Pre-existing condition is covered after 6 months waiting period
- Repatriation of Remains: Up to $50,000 lifetime maximum
- The cost for a 20 years old student starts from $181 per month ($2135 per year). You can buy the plan either on a monthly or a yearly basis.
How much does Student Secure Insurance cost per month?
The Student Secure student health insurance cost per month starts at just $32 for coverage including the USA. The monthly cost depends on factors such as the student’s age, plan maximum, and deductible. Higher plan limits result in higher premiums, while selecting a higher deductible can reduce the premium.
For example, here is the Student Secure cost per month with $0 deductible, including coverage within the USA.
| Student's age |
Smart |
Budget |
Select |
Elite |
| 18 - 24 years |
$32 |
$52 |
$104 |
$178 |
| 25 - 30 years |
$66 |
$98 |
$236 |
$367 |
| 31 - 40 years |
$164 |
$232 |
$528 |
$790 |
| 41 - 50 years |
$288 |
$453 |
$939 |
$1,396 |
The Student Secure medical insurance cost per month starts at just $26 for students studing outside the USA.
For example, here is the Student Secure student insurance cost per month with $0 deductible, coverage excluding the USA.
| Student's age |
Smart |
Budget |
Select |
Elite |
| 18 - 24 years |
$26 |
$46 |
$78 |
$129 |
| 25 - 30 years |
$34 |
$53 |
$83 |
$130 |
| 31 - 40 years |
$83 |
$114 |
$201 |
$306 |
| 41 - 50 years |
$148 |
$315 |
$453 |
$686 |
You can complete your Student Secure Insurance application form to ensure you have the coverage you need while studying abroad.
What is a deductible in StudentSecure insurance plan?
This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible. All of these plans offer a set of deductible options for the travelers to choose from. All Student Secure plans have deductible $0.
What is a Coinsurance in StudentSecure insurance?
Co-insurance is the percentage of eligible expenses the company will pay after the deductible is met.
| Coinsurance |
Elite |
Select |
Budget |
Smart |
| Inside the US (PPO Network) |
Plan pays 80% of the next $10,000 of eligible expenses after the deductible, then 100% to the overall maximum limit. |
Plan pays 80% of the next $25,000 of eligible expenses after the deductible, then 100% to the overall maximum limit. |
Plan pays 80% of the next $45,000 of eligible expenses after the deductible, then 100% to the overall maximum limit. |
Plan pays 80% of the next $100,000 of eligible expenses after the deductible, then 100% to the overall maximum limit. |
| Outside the US |
After the deductible, the plan pays 100% of eligible expenses up to the overall maximum limit. |
How can I renew my StudentSecure health insurance plan?
Student Secure plan can be initially purchased for up to 12 months and can be renewed up to a maximum of 4 years without a break in coverage.
What are the StudentSecure medical insurance benefits?
-
| Copayments |
Elite |
Select |
Budget |
Smart |
| Student Health Center |
$10 per visit |
$10 per visit |
$25 per visit |
$25 per visit |
| Physician Office Visit |
$20 per visit within the PPO network or outside the U.S.; otherwise, $40 per visit |
$50 per visit within the PPO network or outside the U.S.; otherwise, $100 per visit |
$50 per visit within the PPO network or outside the U.S.; otherwise, $100 per visit |
$75 per visit within the PPO network or outside the U.S.; otherwise, $150 per visit |
| Emergency Room Copayment (Claims Incurred in the U.S. Only) |
$100 for the emergency room facility fee for treatment received in an emergency room |
$200 for the emergency room facility fee for treatment received in an emergency room |
$350 for the emergency room facility fee for treatment received in an emergency room |
$350 for the emergency room facility fee for treatment received in an emergency room |
| Hospital Copayment Inpatient and Outpatient |
$75 per visit within the PPO network or outside the U.S.; otherwise, $150 per visit |
$100 per visit within the PPO network or outside the U.S.; otherwise, $200 per visit |
$150 per visit within the PPO network or outside the U.S.; otherwise, $300 per visit |
$200 per visit within the PPO network or outside the U.S.; otherwise, $400 per visit |
-
| Benefits |
Elite |
Select |
Budget |
Smart |
| Hospital Room & Board |
Average semi-private room rate, including nursing services |
| Local Ambulance |
Up to $750 per injury / illness only when covered illness/ injury results in hospitalization as inpatient |
Up to $500 per injury / illness only when covered illness/ injury results in hospitalization as inpatient |
Up to $300 per injury / illness only when covered illness/ injury results in hospitalization as inpatient |
| 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.
Oral Contracep |
50% of actual charge (not subject to coinsurance) |
| Vaccinations |
Up to $150 |
No Coverage |
| Preventative Care |
Up to $200 after 6 months of continuous coverage |
No Coverage |
| Mental Health Disorders |
Physician Office Visit: Maximum of 40 visits
Inpatient: Maximum of 40 days |
Physician Office Visit: Maximum of 30 visits
Inpatient: Maximum of 30 days |
Physician Office Visit: $500 maximum
Inpatient: Up to $5,000 (excludes drug abuse and alcohol abuse) |
| Emergency Dental Treatment |
Up to $500 |
| Pre-Existing Condition |
6-month waiting period |
12-month waiting period |
No Coverage |
| Acute Onset of Pre-existing Condition |
Up to $25,000 lifetime maximum for eligible expenses |
| Maternity Care for a Covered Pregnancy |
Up to $15,000 lifetime maximum |
Up to $10,000 lifetime maximum |
Up to $5,000 lifetime maximum |
No Coverage |
| Nursery Care of Newborn |
Up to $750 |
Up to $750 |
No Coverage |
| Therapeutic Termination of Pregnancy |
Up to $500 |
| Outpatient Physical Therapy & Chiropractic Care |
Up to $75 per visit per day |
Up to $50 per visit per day |
Up to $25 per visit per day |
| Sports & Activities - Leisure, Recreational, Entertainment, or Fitness |
Up to the overall maximum limit |
| Intercollegiate, Interscholastic, Intramural, or Club Sports |
Up to $5,000 maximum per injury or illness; medical expenses only |
No coverage |
| Terrorism |
Up to $50,000 lifetime maximum; eligible medical expenses only |
No coverage |
-
| Benefits |
Elite |
Select |
Budget |
Smart |
| Emergency Medical Evacuation |
Up to $300,000 lifetime maximum |
Up to $300,000 lifetime maximum |
Up to $250,000 lifetime maximum |
Up to $50,000 lifetime maximum |
| Emergency Reunion |
Up to $5,000, subject to a maximum of 15 days |
Up to $1,000, subject to a maximum of 15 days |
| Accidental Death & Dismemberment |
Lifetime Maximum - $25,000
Death - $25,000
Loss of 2 Limbs - $25,000
Loss of 1 Limb - $12,500 |
No coverage |
| Repatriation of Remains |
Up to $50,000 lifetime maximum |
Up to $25,000 lifetime maximum |
| Personal Liability |
Lifetime Maximum - $250,000
Third Person Injury - Up to $250,000
Third Person Property - Up to $250,000
Related Third Person Property - Up to $2,500 |
No coverage |
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:
- The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;
- Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;
- You must be under eighty (80) years of age;
- 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;
- You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;
- You must be traveling outside your home country
Best StudentSecure insurance for students - FAQ's
StudentSecure Insurance is an international student health plan which is suited for international students studying abroad outside their home country.
You can purchase Student Secure plans on American Visitor Insurance at Student Secure Insurance. You can also call them at (877)-340-7910 to get more information on how to apply for Atlas travel health insurance from licensed insurance agents
The main requirements for applying for Student Secure is the travelers passport details and the travel dates. You can apply for Atlas travel insurance online on American Visitor Insurance or call (877)-340-7910 to get help while applying.
WorldTrips insurance previously known as Tokio Marine HCC – Medical Insurance Services Group has received A+ rating from the from S&P Global Ratings. WorldTrips currently offers Student Secure medical insurance for international students in the USA.
WorldTrips offers coverage for international student from around the world in the US with the fully comprehensive student medical insurance. WorldTrips was acquired by Tokio Marine in 2015 and functions as a member since the acquisition. WorldTrips insurance offer some of the unique student medical insurance for foreign students worldwide.
StudentSecure insurance offers Maternity care for covered pregnancy up to $10K. It also offers Nursery care of new born up to $750.
StudentSecure travel insurance provides benefits for eligible expenses related to emergency situations that occur during your policy period. The travel benefits include emergency medical evacuation, repatriation of remains, accidental death and dismemberment, terrorism coverage, trip interruption, lost checked luggage, and more. The amount of travel benefits depends on the plan option you choose.
The student secure plan covers injuries and illnesses resulting from participation in leisure sports and activities that are not organized or sponsored by your school. Some examples of covered sports and activities are basketball, soccer, tennis, hiking, skiing, surfing, and yoga. However, some sports and activities are excluded from coverage, such as professional or semi-professional sports, contact sports, extreme sports, and motor sports.
The WorldTrips student secure plan meets the J-1 visa requirements by providing medical benefits for sicknesses and injuries, emergency medical evacuation, repatriation of remains, accidental death and dismemberment, and medical assistance services. The plan also meets or exceeds the minimum coverage amounts required by the U.S. Department of State for J-1 visa holders.
The optional sports rider is an additional benefit that covers up to $5K per injury resulting from intercollegiate, interscholastic, intramural, or club sports. You can add this rider to your plan by paying an extra premium of $1.25 per person per month. You can add this rider at the time of application or during renewal.
The student secure plan covers vaccinations up to $150 per year for Select and Elite plans only. The plan also covers mental health disorders up to a certain amount per year depending on the level of coverage. For example, the Elite plan covers up to $2,500 per year for inpatient treatment and up to $50 per day for outpatient treatment.
The student secure health insurance plan covers pre-existing conditions after a waiting period that varies depending on the level of coverage. The Elite and Select plans have a 6-month waiting period, the Budget plan has a 12-month waiting period, and the Smart plan does not cover pre-existing conditions at all.
The student secure medical insurance covers eligible medical expenses resulting from COVID-19/SARS-CoV-2 as any other illness, subject to the terms and conditions of the policy. However, if you had COVID-19 before your plan’s effective date and it is considered a pre-existing condition, then it will be subject to the waiting period and benefit limits of your chosen level of coverage.
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 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.
On American Visitors Insurance students can buy US student insurance using a paper application form either on monthly basics or yearly. Students should complete and the Student Secure proposal form and make the payment. On receiving the completed Student Secure insurance application form and the payment, the Student Secure insurance policy will be emailed to the customer.
What are the exclusions of international StudentSecure Insurance?
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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