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J1 Visa Insurance

Compare WorldTrips J1 Visa Insurance (US Exchange Scholar visa insurance)

Compare WorldTrips J1 Visa Insurance

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What does J1 visa insurance cover?

Health care expenses

Covers hospital expenses for sickness or accidents.

Doctor visit

Insures Doctor visits for sudden injury or sickness.

Pharmacy drugs

Doctor prescribed eligible pharmacy drugs expenses.

Pre-existing conditions

Some plans insure acute onset of pre-existing conditions.

Medical evacuation

Medical evacuation expenses to nearest facility included.

Repat of remains

Repatriation of remains to home country included.

WorldTrips: Plans offering J1 visa insurance

Atlas America

Plan Details Brochures Buy Online
  • Atlas America Insurance Eligibility
    • Non-US Citizens traveling outside their home country
  • Coinsurance
    • Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.
  • Restrictions
    • The Atlas Series is not available to individuals who are physically located in the states of New York, Maryland, or Washington; or in the countries of Canada or Australia at time of purchase.
  • Atlas America Insurance - Key Highlights
    • This plan is a comprehensive plan that provides worldwide coverage including or excluding the US.
    • This plan is available to both Non-US citizens and US citizens traveling outside their home country.
    • The deductible options for this plan are $0, $100, $250, $500, $1k, $2.5k and $5k per Certificate period.
    • The policy maximum options available with this plan are $50k, $100k,250k, $500k, $1M or $2M for people up to the age of 65 For people in the age range of 65 to 79, the options are $50k and $100k and for people above 80 the only option is $10k.
    • You will be eligible for coverage of acute onset of pre-existing conditions if you are younger than 80 and all the conditions mentioned in the brochure are met. This includes a $25k lifetime maximum for emergency medical evacuation.
    • Claims incurred in the US, there will be $200 emergency room co-payment for each use of the emergency room for illness unless you are admitted to the hospital. For claims outside the US, there is no co-payment. No co-payment for treatment of injury in emergency room.
    • Claims incurred in the US, there will be $15 Urgent Care center co-payment for each visit and the co-payment is waived for members with $0 deductible . For claims outside the US, there is no co-payment.
    • Trip Interruption coverage available for upto $10k not subject to deductible
    • Travel Delay coverage is available for upto $100 a day for a 12 hour delay requiring an unplanned overnight stay. This is subject to a maximum of 2 days - not subject to deductible.
    • Lost checked luggage up to $1k - not subject to deductible.
    • Political Evacuation available up to $100k lifetime maximum not subject to deductible.
    • Bedside visit up to $1500 not subject to deductible.
    • Crisis Response - Ransom, Personal belongings and crisis response fees and expenses coverage is available as follows: Not subject to deductible or overall maximum limit - Up to age 18 - $10k per member, from age 18 to 69 - $50k per member, age 70 to 74 - $25000 and for age 75+ $12,500.
    • Emergency Medical Evacuation is covered for $1M lifetime maximum except as provided under acute onset of pre-existing condition (Not subject to deductible or overall maximum limit)

StudentSecure Budget

Plan Details Brochures Buy Online
  • 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.
  • 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
    • 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 Insurance - 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 Budget plan provides a policy maximum of $250k and Certificate period maximum of $500k.
    • There will be a deductible of $45 per injury or sickness within the PPO, outside the US or at a student health center. Otherwise $90 deductible per injury or sickness is applicable.
    • 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 $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.
    • 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).
    • Dental treatment due to accident is covered as $250 maximum per tooth, $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 $3k maximum per injury or illness, medical expenses only.
    • 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

Plan Details Brochures Buy Online
  • 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.
  • Coinsurance
    • Inside the United States
      • 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: 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.
  • StudentSecure Select insurance - 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 Select plan provides a policy maximum of $300k and Certificate period maximum of $600k.
    • There will be a deductible of $35 per injury or sickness within the PPO, outside the US or at a student health center. Otherwise $70 deductible per injury or sickness is applicable.
    • 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 $5000 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 conditions are covered after a 6 month waiting period.
    • Maternity care for covered pregnancy is covered for up to $10k.
    • 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).
    • Dental treatment due to accident is covered as $250 maximum per tooth, $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 $50k lifetime maximum (Not subject to deductible, co-insurance or overall maximum limit).

StudentSecure Elite

Plan Details Brochures Buy Online
  • 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.
  • Coinsurance for StudentSecure Elite Plan
    • 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.
  • 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 insurance - 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 Elite plan provides a policy maximum of $500k and Certificate period maximum of $5M.
    • There will be a deductible of $25 per injury or sickness within the PPO, outside the US or at a student health center. Otherwise $50 deductible per injury or sickness is applicable.
    • 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, 100% of eligible expenses 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 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.
    • Dental treatment due to accident is covered as $250 maximum per tooth, $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 $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

Plan Details Brochures Buy Online
  • 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.
  • Coinsurance
    • Inside the United States
      • In ppo network: Plan pays 80% 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.
  • 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 insurance 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.
    • There will be a deductible of $50 per injury or sickness within the PPO, outside the US or at a student health center. Otherwise $100 deductible per injury or sickness is applicable.
    • 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 after deductible. 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- $50 maximum, $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).
    • Dental treatment due to accident is covered as $250 maximum per tooth, $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 J1 Visa Insurance - Frequently Asked Questions

01. 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.

02. Does Student Secure Budget offer coverage for Maternity and new born care coverage

Student Secure Budget insurance offers Maternity care for covered pregnancy up to $5,000.It also offers Nursery care of new born up to $250.

03. How does StudentSecure Smart insurance offer coverage for medical expenses?

StudentSecure Smart 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 Smart 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 Smart 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 Smart insurance working example.

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