"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:
Ideal for J1 and F1 and OPT students
Montly payment option
Acute onset of pre-existing conditions
Renewable upto 4 years
WorldTrips medical insurance services has designed Student Secure insurance Student Secure Insurance offers international student health insurance coverage for students on full term courses or exchange scholars in a foreign country. WorldTrips Student Secure Insurance ratings by AM Best Rating is A++ (Superior). WorldTrips is widely known and has been offering health insurance products to customers in 130 countries.
As Student Secure insurance comes in three 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. WorldTrips also provide proof of comparable coverage with waiver forms and visa letters to the enrolled university once the student buys the plan.
Compare the best StudentSecure insurance quotes.
WorldTrips, a member of Tokio Marine HCC group of companies since 1998 has been offering several travel insurance and trip cancellation products for international travelers across the globe. Their Student Secure plans are popular for product excellence, by giving affordable options for students to customize to meet the requirements of unique student needs.
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.
StudentSecure Insurance is an international student health plan which is suited for international students studying abroad outside their home country.
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.
WorldTrips Covid19 travel insurance by StudentSecure Insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.
WorldTrips for over 23 years is a well-recognized company in the US and across the globe for their vast network of hospitals and healthcare support system. The company offers several student travel insurance plans for students with access to the best healthcare support and 24/7 emergency travel assistance.
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 covid insurance includes coverage for covid19 illness just like any other illness in their Atlas travel insurance plans. The coverage for quarantine must be purchased for a minimum of 30 days along with the quarantine order by a physician or a government authority.
Atlas insurance offers $50 per day for each day that travelers are quarantined abroad for a maximum of 10 days. The quarantine order should be based on the positive Covid-19 test report. The quarantine coverage is not available in the home country or it is not subject to deductible.
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.
Yes, International students can renew StudentSecure Insurance online up to 12 months.
StudentSecure insurance offers Maternity care for covered pregnancy up to $10K. It also offers Nursery care of new born up to $750.
To be eligible for WorldTrips StudentSecure medical insurance, you must:
You can renew or extend your StudentSecure plan online before the expiration date of your current policy. You can access the online renewal system through the WorlTrips Student Zone or through the email that you will receive before your policy expires. You can renew your plan for a minimum of 30 days and a maximum of 4 years, as long as you meet the Student Secure plan eligibility requirements.
The main differences between the four levels of StudentSecure medical insurance plans are the policy maximums, deductibles, and benefits. The Elite option provides the highest policy maximum of $5M per policy period and the lowest deductible of $25 per injury or illness. It also provides the most comprehensive benefits, such as vaccination coverage, maternity coverage, and intercollegiate sports coverage. The Select option provides a policy maximum of $600K per policy period and a deductible of $35 per injury or illness. It also provides some additional benefits, such as mental health coverage and personal liability coverage. The Budget option provides a policy maximum of $500K per policy period and a deductible of $45 per injury or illness. It also provides some basic benefits, such as emergency medical evacuation and repatriation of remains. The Smart option provides the lowest policy maximum of $200K per policy period and the highest deductible of $50 per injury or illness. It also provides the least benefits, such as accidental death and dismemberment and terrorism coverage.
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.
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