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Student Insurance for hazardous sports coverage

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WorldTrips Insurance plans offering sports insurance coverage

StudentSecure Budget

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  • StudentSecure Budget Insurance Eligibility
    • 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.
    • 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.
  • Coinsurance
    • Inside the United States
      • In ppo network: Plan pays 80% of the next $45,000 of eligible expenses after the deductible, then 100% 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.
  • Restrictions
    • 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.
  • StudentSecure Budget - Key Highlights
    • This is an international student health plan which is suited for international students studying abroad outside their home country.
    • The Budget plan provides a policy maximum of $250k and Certificate period maximum of $500k with deductible of $0.
    • Plan provides $350 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 $45k 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 30 visits, Inpatient - maximum 30 days.
    • Acute onset of pre-existing condition is covered for $25k lifetime maximum for eligible expenses.
    • Pre -existing condition is covered after a 12 month waiting period.
    • Maternity care for covered pregnancy is covered for up to $5k.
    • Intensive Care Unit charges are covered up to the overall maximum limit.
    • Outpatient prescription drugs are covered for 50% of actual charges (Not subjected to deductible or co-insurance).
    • 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.
    • Emergency Medical Evacuation is covered for up to $250k lifetime maximum (Not subject to deductible or co-insurance).
    • Repatriation of remains is covered for up to $25k lifetime maximum (Not subject to deductible, co-insurance or overall maximum limit).

StudentSecure Select

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  • StudentSecure Select Insurance Eligibility
    • 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.
    • 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.
  • Coinsurance
    • Inside the United States
      • 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: 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.
  • Restrictions for StudentSecure Select 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.
  • udentSecure Select - Key Highlights
    • The Select plan provides a policy maximum of $500,000 and Certificate period maximum of $1,000,000 with deductible $0.
    • Plan provides $200 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 $25k 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 30 visits, Inpatient - maximum 30 days.
    • Acute onset of pre-existing condition is covered for $25k lifetime maximum for eligible expenses.
    • Intensive Care Unit charges are covered up to the overall maximum limit.
    • Outpatient prescription drugs are covered for 50% of actual charges (Not subjected to deductible or co-insurance).
    • 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 $5k maximum per injury or illness, medical expenses only.
    • Emergency Medical Evacuation is covered for up to $300k lifetime maximum (Not subject to deductible or co-insurance).
    • Repatriation of remains is covered for up to $50,000 lifetime maximum (Not subject to deductible, co-insurance or overall maximum limit).

StudentSecure Elite

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  • StudentSecure Elite Eligibility
    • 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.
    • 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.
  • Coinsurance for StudentSecure Elite Plan
    • Inside the United States
      • In ppo network: The plan pays 80% up to $10k, then 100% up to the 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.
  • Restrictions
    • 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
  • StudentSecure Elite - 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).

StudentSecure Smart

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  • StudentSecure Smart Eligibility
    • 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.
    • This plan meets J-1 visa requirements, covers pre-existing condition coverage only for the acute onset of a pre-existing condition.
  • Coinsurance
    • Inside the United States
      • In ppo network: The plan pays 80% up to $100k, then 100% up to the 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.
  • Restrictions for StudentSecure Smart 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.
  • StudentSecure Smart - key highlights
    • This is an international student health plan which is suited for international students studying abroad outside their home country.
    • This plan comes in four levels of coverage Elite, Select, Budget or Smart to suit the needs and budget of the student.
    • The Smart plan provides a policy maximum of $100k and Certificate period maximum of $200k with deductible of $0.
    • Plan provides $350 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 $100k 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 : physician office visit: $500 maximum inpatient - up to $5k maximum.
    • Acute onset of pre-existing condition is covered for $25k lifetime maximum for eligible expenses.
    • Intensive Care Unit charges are covered up to the overall maximum limit.
    • Outpatient prescription drugs are covered for 50% of actual charges (Not subjected to deductible or co-insurance).
    • 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.
    • Emergency Medical Evacuation is covered for up to $50k lifetime maximum (Not subject to deductible or co-insurance).
    • Repatriation of remains is covered for up to $25k lifetime maximum (Not subject to deductible, co-insurance or overall maximum limit).

WorldTrips Students Sports insurance Faq's

1. What are the benefits of Student Secure insurance?

Student Secure provides excellent insurance cover to international students and scholars outside their home country. This plan meets J-1 visa requirements, covers pre-existing conditions and some intercollegiate, interscholastic, intramural, or club sports coverage. As Student Secure insurance comes in four variants, Smart, Select, Budget and Elite. It is recommended to compare among them and buy the best student insurance as per your requirements. These affordable international student insurance plans satisfy most of the university requirements and also US J visa requirements.

2. What is the coverage area of WorldTrips Student Secure insurance?

StudentSecure Insurance is an international student health plan which is suited for international students studying abroad outside their home country.

3. How much does Student Secure student insurance cost?

The cost of the Student Secure student insurance will vary depending on the age of the traveler, the type of coverage, the travel destination and the duration of travel. Typically, visitors travel insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers.

4. How do I purchase Student Secure insurance?

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

5. What are the requirements for applying for Student Secure Insurance?

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.

6. Does StudentSecure Select insurance offer coverage for Team sports.

StudentSecure Select insurance offers up to $5,000 maximum for medical expenses for treatment of injuries while taking part in Intercollegiate, interscholastic, intramural, or club sports.

7. Will I lose StudentSecure Select 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.

8. How does StudentSecure Select insurance offer coverage for medical expenses?

StudentSecure Select 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 Select 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 Select 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 Select insurance working example.

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How do I file a claim with Student Sports insurance?

To file a claim with Students Sports Insurance, follow these steps:

  1. Download the Claims Form: Access the Students Sports insurance claims form online.
  2. Contact Customer Support: Call the toll-free number 1-800-628-4664 for guidance or assistance.
  3. Complete and Submit Documents: Fill out the claims form and send it, along with any required supporting documents, to the Claims Department:
    • Mailing Address: International Medical Group, P.O. Box 9162, Farmington Hills, MI 48333.
  4. Email Assistance: For additional help or inquiries, email mailto:service@worldtrips.com.
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