Student Secure Insurance, WorldTrips Student Secure insurance, Student secure elite, budget, smart and select, cheapest health insurance for international students in usa

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Student Secure Elite Plan Maximum Deductible Buy Now	Student Secure Select Plan Maximum Deductible Buy Now	Student Secure Budget Plan Maximum Deductible Buy Now	Student Secure Smart Plan Maximum Deductible Buy Now
Covid19 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
Maximum per injury or illness
Up to $500K	Up to $300K	Up to $250K	Up to $100K
Coinsurance inside the U.S.
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 $5K 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 $25K 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 outside the U.S.
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.
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
Maternity Care
Maternity Care for a Covered Pregnancy
Up to $25K	Up to $10K	Up to $5K	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
Emergency Services
Emergency 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
Dental
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
Acute onset of pre-existing condition
$25K lifetime maximum for eligible expenses	$25K lifetime maximum for eligible expenses	$25K lifetime maximum for eligible expenses	$25K lifetime maximum for eligible expenses
Pre-existing condition
Covered after 6 months waiting period	Covered after 6 months waiting period	Covered after 12 months waiting period	Not Covered
Evacuation
Emergency medical evacuation
Up to $500K lifetime maximum	Up to $300K lifetime maximum	Up to $250K lifetime maximum	Up to $50K lifetime maximum
Emergency reunion
Up to $5K, maximum of 15 days	Up to $5K, maximum of 15 days	Up to $1K, maximum of 15 days	Up to $1K, maximum of 15 days
Return of mortal remains or cremation/burial
Up to $50K lifetime maximum	Up to $50K lifetime maximum	Up to $25K lifetime maximum	Up to $25K lifetime maximum
Terrorism
Up to $50K maximum lifetime limit	Up to $50K maximum lifetime limit	Up to $50K maximum lifetime limit	Not Covered
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 $10K maximum	Outpatient: $50 maximum per day, $500 maximum; Inpatient: Up to $5K maximum
Prescription Drugs
For outpatient prescription 50% of actual charges	$30 deductible for generic drugs $100 deductible for brand name	$15 deductible for generic drugs $50 deductible for brand name	$15 deductible for generic drugs $30 deductible for brand name
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
Personal Liability
Up to $250K lifetime maximum	Not Covered	Not Covered	Not Covered
Sports
Intercollegiate, interscholastic, intramural or club sports
Up to $5K maximum per injury or illness, medical expenses only	Up to $5K maximum per injury or illness, medical expenses only	Up to $3K maximum per injury or illness, medical expenses only	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	-	-
Life
Common Carrier Accidental Death
Up to $25K lifetime maximum	Up to $25K lifetime maximum	Not Covered	Not Covered
Travel Insurance
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-
Brochure and Details
» StudentSecure Elite insurance Brochure » StudentSecure Elite insurance Details » StudentSecure Elite insurance Reviews	» StudentSecure Select Brochure » StudentSecure Select Details » StudentSecure Select Reviews	» StudentSecure Budget Brochure » StudentSecure Budget Details » StudentSecure Budget Reviews	» StudentSecure Smart Brochure » StudentSecure Smart Details » StudentSecure Smart Reviews

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

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 $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 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 $5000 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 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 $25000 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 $3000 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 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 $5000 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 StudentSecure insurance - Common Questions

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.

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 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:

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

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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How much does student health insurance USA cost?

Compare cheap international student health insurance plans