| "EXCELLENT" |
"BEST" |
"BETTER" |
"GOOD" |
| Brochure & Details links |
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| Coronavirus coverage |
| StudentSecure insurance plans offers coronavirus coverage for Covid illness for international students outside their home country. |
| Underwriter |
StudentSecure Elite Insurance Underwriter
Certain Underwriters at Lloyd's of London |
StudentSecure Select Insurance Underwriter
Certain Underwriters at Lloyd's of London |
StudentSecure Budget Insurance Underwriter
Certain Underwriters at Lloyd's of London |
StudentSecure Smart Insurance Underwriter
Certain Underwriters at Lloyd's of London |
| Rating |
StudentSecure Elite Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA- |
StudentSecure Select Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA- |
StudentSecure Budget Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA- |
StudentSecure Smart Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA- |
| Ideal for |
| Residing outside your home country for the purpose of pursuing international education |
Residing outside your home country for the purpose of pursuing international education |
Residing outside your home country for the purpose of pursuing international education |
Residing outside your home country for the purpose of pursuing international education |
| Coronavirus coverage |
| StudentSecure Elite covid insurance coverage for Coronavirus |
StudentSecure Select covid insurance coverage for Coronavirus |
StudentSecure Budget covid insurance coverage for Coronavirus |
StudentSecure Smart covid insurance coverage for Coronavirus |
| Plan Highlights |
| Lowest deductible & offers top-tier benefits |
Expensive & offers comprehensive coverage |
Reasonable & a prominent plan |
Affordable & offers limited coverage |
| Certificate period maximum |
| Up to $5,000,000 |
Up to $600,000 |
Up to $500,000 |
Up to $200,000 |
| Maximum benefit per injury or illness |
| Up to $500,000 |
Up to $300,000 |
Up to $250,000 |
Up to $100,000 |
| Deductible |
| $25 per injury or illness within the PPO network, outside the U.S. or at a student health center; otherwise $50 per injury or illness |
$35 per injury or illness within the PPO network, outside the U.S. or at a student health center; otherwise $70 per injury or illness |
$45 per injury or illness within the PPO network, outside the U.S. or student health center; otherwise $90 per injury or illness |
$50 per injury or illness within the PPO network, outside the U.S. or student health center; otherwise $100 per injury or illness |
| Coinsurance - claims incurred inside US: |
In ppo network: Plan pays 100% of eligible expenses, after the deductible, up to the overall maximum limit.
Out of ppo network: Plan pays 100%. |
In ppo network: Plan pays 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum limit.
Out of ppo network: Plan pays 100%. |
In ppo network: Plan pays 80% of the next $25,000 of eligible expenses after the deductible, then 100% to the overall maximum limit.
Out of ppo network: Plan pays 100%. |
In ppo network: Plan pays 80% of eligible expenses after the deductible up to the overall maximum limit.
Out of ppo network: Plan pays 100%. |
| Coinsurance - claims incurred outside of US: |
| After the deductible, plan pays 100% of eligible expenses to the certificate period maximum. |
After the deductible, plan pays 100% of eligible expenses to the certificate period maximum. |
After the deductible, plan pays 100% of eligible expenses to the certificate period maximum. |
After the deductible, plan pays 100% of eligible expenses to the certificate period maximum. |
| Local Ambulance |
| Up to $750 per injury / illness if hospitalized as inpatient |
Up to $750 per injury / illness if hospitalized as inpatient |
Up to $500 per injury / illness if hospitalized as inpatient |
Up to $300 per injury / illness if hospitalized as inpatient |
| Intensive care unit |
| Up to overall maximum limit |
Up to overall maximum limit |
Up to overall maximum limit |
Up to overall maximum limit |
| Outpatient treatment |
| Up to overall maximum limit |
Up to overall maximum limit |
Up to overall maximum limit |
Up to overall maximum limit |
| Outpatient prescription drugs |
| 100% coinsurance for generic; 50% coinsurance for brand name |
50% of actual charge |
50% of actual charge |
50% of actual charge |
| Mental health disorders (Treatment must not be obtained at a Student health center.) |
| Outpatient: Maximum of 30 visits; Inpatient: Maximum 30 days |
Outpatient: Maximum of 30 visits; Inpatient: Maximum 30 days |
Outpatient: $50 maximum per day, $500 maximum; Inpatient: Up to $10,000 maximum |
Outpatient: $50 maximum per day, $500 maximum; Inpatient: Up to $5,000 maximum |
| Dental Treatment due to accident |
| Up to $250 maximum per tooth; $500 maximum per certificate period |
Up to $250 maximum per tooth; $500 maximum per certificate period |
Up to $250 maximum per tooth; $500 maximum per certificate period |
Up to $250 maximum per tooth; $500 maximum per certificate period |
| Emergency dental |
| Up to $100 for acute onset pain |
Up to $100 for acute onset pain |
Up to $100 for acute onset pain |
Up to $100 for acute onset pain |
| Pre-existing condition |
| Covered after 6 months waiting period |
Covered after 6 months waiting period |
Covered after 12 months waiting period |
Not Covered |
| Acute onset of pre-existing condition (excludes chronic and congenital conditions) |
| $25,000 lifetime maximum for eligible expenses |
$25,000 lifetime maximum for eligible expenses |
$25,000 lifetime maximum for eligible expenses |
$25,000 lifetime maximum for eligible expenses |
| Maternity |
| Up to $25,000 |
Up to $10,000 |
Up to $5,000 |
Not Covered |
| Nursery care of newborn |
| Up to $750 maximum |
Up to $750 maximum |
Up to $250 maximum |
Not Covered |
| Therapeutic termination of pregnancy |
| Up to $500 maximum per certificate period |
Up to $500 maximum per certificate period |
Up to $500 maximum per certificate period |
Up to $500 maximum per certificate period |
| Physical therapy & chiropractic care |
| Up to $75 per visit per day |
Up to $50 per visit per day |
Up to $50 per visit per day |
Up to $25 per visit per day |
| Intercollegiate, interscholastic, intramural, or club sports: |
| Up to $5,000 maximum per injury or illness, medical expenses only |
Up to $5,000 maximum per injury or illness, medical expenses only |
Up to $3,000 maximum per injury or illness, medical expenses only |
Not Covered |
| Terrorism |
| Up to $50,000 maximum lifetime limit |
Up to $50,000 maximum lifetime limit |
Up to $50,000 maximum lifetime limit |
Not Covered |
| Emergency medical evacuation |
| Up to $500,000 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, maximum of 15 days |
Up to $5,000, maximum of 15 days |
Up to $1,000, maximum of 15 days |
Up to $1,000, maximum of 15 days |
| Accidental death & dismemberment |
| Up to $25,000 lifetime maximum |
Up to $25,000 lifetime maximum |
Not Covered |
Not Covered |
| Repatriation of remains (not subject to deductible or coinsurance) |
| Up to $50,000 lifetime maximum |
Up to $50,000 lifetime maximum |
Up to $25,000 lifetime maximum |
Up to $25,000 lifetime maximum |
| Personal Liability |
| Up to $250,000 lifetime maximum |
Not Covered |
Not Covered |
Not Covered |
| Optional coverage |
| Offers optional Crisis Response rider for ransom, personal belongings, and Crisis Response fees and expenses |
Offers optional Crisis Response rider for ransom, personal belongings, and Crisis Response fees and expenses |
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| Unique Advantages |
StudentSecure Elite Advantages:
- Lowest deductible and Highest maximum benefits offered.
- Meets J-1 visa requirements.
- Includes Accidental Death & Dismemberment (AD&D) coverage (with optional buy-up) and Personal Liability coverage.
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StudentSecure Select Advantages:
- Meets J-1 visa requirements.
- Includes Accidental Death & Dismemberment (AD&D) coverage (with optional buy-up.)
- Some intercollegiate, interscholastic, intramural, or club sports coverage.
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StudentSecure Budget Advantages:
- Mid-level benefits and mid-level deductible.
- Meets J-1 visa requirements.
- Some intercollegiate, interscholastic, intramural, or club sports coverage.
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StudentSecure Smart Advantages:
- Lowest cost plan but also lowest maximum benefits and highest deductible.
- Meets J-1 visa requirements.
- NO intercollegiate, interscholastic, intramural, or club sports coverage.
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WorldTrips COVID travel insurance - Know more
