WorldTrips Student Secure International Health Insurance.
The American Health Care system is not only one of the most advanced health care systems in the world but it is also one of the most expensive. Medical treatment for even a minor illness or accident can cost thousands of dollars, and hospitalization expenses can easily reach tens of thousands. For international students, having the right health insurance coverage is not optional—it is a critical requirement.
At American Visitor Insurance, we help international students find reliable and affordable WorldTrips Student Secure international health insurance that provides protection throughout their academic journey in the U.S.
Why International Students Need Student Secure Health Insurance
While studying in the U.S., international students are required to maintain quality student health insurance that meets university and visa requirements. Although many colleges and universities offer their own student health plans, coverage levels and costs vary widely.
Some universities also allow students to purchase insurance from a private provider provided the plan satisfies specific criteria such as:
- Minimum coverage limits
- Mental health benefits
- Maternity coverage
- Coverage for pre-existing conditions
- Prescription drug benefits
American Visitor Insurance offers Student Secure insurance plans by WorldTrips that meet most university insurance waiver requirements, making them a trusted choice for F-1 visa holders and international students across the U.S.
Student Secure Insurance by WorldTrips - Key Benefits
Student Secure is one of the most comprehensive international student health insurance plans available today. Compared to many other student plans, it includes a wide range of benefits commonly required by universities, including:
- Coverage for mental health and substance abuse
- Maternity coverage for a covered pregnancy (on select plans)
- Preventive care benefits
- Sports injury coverage
- Coverage for acute onset of pre-existing conditions
- Access to quality U.S. health care providers
Note : At American Visitor Insurance, we guide students through plan selection to ensure they receive coverage that aligns with both university requirements and personal health needs.
Student Secure Insurance Plan Options - Best International Student Health Insurance in the USA
WorldTrips Student Secure Insurance offers four flexible plan levels, designed to meet different budgets and coverage needs for international students studying in the USA. Whether you need basic coverage or premium protection, these student health insurance plans provide the necessary benefits to meet J-1 visa requirements and university insurance mandates.
| Plan | Smart | Budget | Select | Elite |
|---|---|---|---|---|
| Type | Cheapest international student insurance | Best value student health insurance | Comprehensive health insurance | Premium student health insurance |
| J-1 Visa & University Requirements | 🗸 Yes | 🗸 Yes | 🗸 Yes | 🗸 Yes |
| Acute Onset of Pre-Existing Conditions | $25,000 | $25,000 | $25,000 | $25,000 |
| Pre-Existing Condition Coverage | Not applicable | After 12-month waiting period | After 6-month waiting period | After 6-month waiting period |
| Emergency Medical Evacuation | $50,000 | $250,000 | $300,000 | $300,000 |
| Repatriation of Remains | Not included | $25,000 | $50,000 | $50,000 |
| Coverage for Recreational Sports & Activities | 🗸 Yes | 🗸 Yes | 🗸 Yes | 🗸 Yes |
| Policy Maximum | $200,000 | $500,000 | $1,000,000 | $5,000,000 |
| Maximum per Injury or Illness | $100,000 | $250,000 | $500,000 | $500,000 |
| Deductible per Injury or Illness | $0 | $0 | $0 | $0 |
| Monthly Cost (20-year-old student) | $32 ($372/year) | $53 ($624/year) | $106 ($1,248/year) | $181 ($2,135/year) |
| Payment Options | Monthly / Annual | Monthly / Annual | Monthly / Annual | Monthly / Annual |
| Best For | Budget-conscious students needing essential coverage | Students seeking affordable insurance with solid benefits | Students wanting higher coverage with comprehensive benefits | Students needing premium coverage and maximum protection |
Note : Lower deductibles mean higher premiums, while higher deductibles help reduce monthly costs allowing students to customize coverage based on budget.
Have Questions?
Need help understanding your policy?
Our Customer Service team is available 24x7, putting your needs first every step of the way.
How Can I Renew My StudentSecure Health Insurance Plan?
Student Secure plan can be initially purchased for up to 12 months and can be renewed up to a maximum of 4 years without a break in coverage.Where Can I Buy the Best Student Secure Insurance?
You can buy the best Student Secure Insurance through American Visitor Insurance, where you will receive:
- Expert guidance to meet university insurance requirements
- Assistance with your university waiver form
- Easy online and paper application options
- Monthly or annual payment choices
- Competitive pricing and instant quotes
- Dedicated support throughout enrollment and claims
We make it simple for international students to compare plans, understand benefits, complete waiver forms, and enroll with confidence.
How Much Does StudentSecure Insurance Cost per Month in 2026?
The Student Secure student health insurance cost per month starts at just $32 for coverage including the USA. The monthly cost depends on factors such as the student’s age, plan maximum, and deductible. Higher plan limits result in higher premiums, while selecting a higher deductible can reduce the premium.
For example, here is the Student Secure cost per month with $0 deductible, including coverage within the USA.
| Student's age | Smart | Budget | Select | Elite |
|---|---|---|---|---|
| 18 - 24 years | $32 | $52 | $104 | $178 |
| 25 - 30 years | $66 | $98 | $236 | $367 |
| 31 - 40 years | $164 | $232 | $528 | $790 |
| 41 - 50 years | $288 | $453 | $939 | $1,396 |
The Student Secure medical insurance cost per month in 2026 starts at just $26 for students studing outside the USA.
For example, here is the Student Secure student insurance cost per month with $0 deductible, coverage excluding the USA.
| Student's age | Smart | Budget | Select | Elite |
|---|---|---|---|---|
| 18 - 24 years | $26 | $46 | $78 | $129 |
| 25 - 30 years | $34 | $53 | $83 | $130 |
| 31 - 40 years | $83 | $114 | $201 | $306 |
| 41 - 50 years | $148 | $315 | $453 | $686 |
You can complete your Student Secure Insurance application form to ensure you have the coverage you need while studying abroad.
Best StudentSecure insurance for students FAQ's
1. What are the benefits of International 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 secure 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.
There are several reasons to consider an international student insurance plan like StudentSecure for your overseas studies:
To Meet Visa Requirements:
Most countries require international students to possess a valid student visa. Some visas require proof of insurance that meets specific requirements. StudentSecure meets the insurance requirements of most visas, including the J-1 visa.
As a StudentSecure policyholder, you will have access to a visa letter you can use as proof of coverage. You can download your visa letter through the Member Portal, where you can conveniently manage your policy online.
To Meet Your Study Abroad Program or School Requirements:
Your program or university may require you to have valid student health insurance that meets requirements. Many programs and schools provide their own insurance plans, but oftentimes allow students to purchase alternate coverage that meets requirements.
Upon purchase of a StudentSecure policy, we will help you provide proof of coverage that meets requirements to your program or school. Simply submit a request for a waiver form and/or visa letter to sales@worldtrips.com. We will send completed copies of the form(s) to you and your school.
To Cover Unexpected Medical Expenses:
Your regular health insurance may not provide adequate coverage while you are outside of your home country. International student health insurance like StudentSecure can provide travel assistance and help mitigate unexpected medical costs.
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.
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 WorldTrips 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 $500K 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 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.
On American Visitors Insurance students can buy US student insurance using a paper application form either on monthly basics or yearly. Students should complete and the international Student Secure proposal form and make the payment. On receiving the completed Student Secure insurance application form and the payment, the Student Secure insurance policy will be emailed to the customer.
What Are the Exclusions of International StudentSecure Insurance?
Certain types of medical expenses are excluded from coverage under StudentSecure international student insurance. Some exclusions are listed here. Refer to the Description of Coverage for the complete list of exclusions.
- Pre-existing conditions are excluded during the first six (6) months of coverage under StudentSecure Elite and Select and are excluded during the first twelve (12) months of coverage under StudentSecure Budget. Pre-existing conditions are excluded throughout coverage under StudentSecure Smart, except charges resulting directly from an Acute Onset of Pre-existing Condition, an Emergency Medical Evacuation, or Repatriation of Remains.
- Note: A pre-existing condition is any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 12 months prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.
- Immunizations and routine medical examinations, except under StudentSecure Elite as provided for under the Vaccination benefit
- Routine prenatal care, pregnancy, childbirth, and postnatal care, unless directly related to a covered pregnancy
- Medical expenses for injury or illness resulting from participation in specifically excluded extreme sports(see Description of Coverage for full list of excluded sports).
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