WorldTrips Student Secure Insurance
WorldTrips Student health Insurance offers Student Secure plans starting at just $1/day for F1, J1, OPT, and international students. Compare Student Secure Smart, Budget, Select, and Elite plans to find affordable health insurance with comprehensive medical coverage that meets your school or visa requirements.
Compare StudentSecure Smart, Budget, Select & Elite
*Premiums shown are based on a 20 year old international student with a 30 day coverage period and a $0 deductible.Which WorldTrips Student Insurance Is Right for You?
Go with Smart
Why? expand_moreThe most affordable option with essential coverage for many school insurance requirements.
Go with Budget
Why? expand_moreA great balance of coverage and affordability for most international students.
Go with Select
Why? expand_moreHigher coverage limits and a shorter waiting period for eligible pre-existing conditions than lower-tier plans.
Go with Elite
Why? expand_moreThe highest policy maximum, strongest benefits, sports coverage, and the shortest waiting period for eligible pre-existing conditions.
Why Choosing the Right WorldTrips Student Insurance Plan Matters?
WorldTrips International Student Insurance offers four Student Secure Insurance plans Smart, Budget, Select and Elite each designed for different coverage needs, budgets, and student lifestyles. The plans don't just vary in price; they also differ in policy maximums, waiting periods for eligible pre-existing conditions, emergency medical evacuation benefits, sports coverage, and other important medical benefits.
Whether you're an F1, J1, OPT, or other international student studying in the USA, selecting the right Student Secure health Insurance plan can help protect you from unexpected medical expenses such as hospitalization, surgery, or emergency treatment. Comparing the benefits, coverage limits, and costs of each WorldTrips Student Insurance plan ensures you choose the best international student health insurance for your university requirements and healthcare needs.
How Much Does StudentSecure Insurance Cost per Month in 2026?
The StudentSecure Insurance cost starts at $36 per month for a 20 year old international student studying in the USA. All StudentSecure plans include a $0 deductible per injury or illness, with premiums varying based on your age, coverage area, and your chosen StudentSecure plan.
The Student Secure medical insurance cost starts at just $36 per month for students studying outside the USA.
Compare WorldTrips Student Secure Insurance Plans
Choose the WorldTrips Student Insurance plan that best matches your Budget, study duration, and healthcare needs. Below is a comparison of the four Student Secure health Insurance plans. Sample premiums shown are for a 20-year-old student with a $0 deductible and coverage including the USA.
- $200,000 policy maximum
- $100,000 maximum per injury or illness
- $50,000 Emergency Medical Evacuation
- Meets J-1 visa and many university insurance waiver requirements
- Affordable WorldTrips Student Insurance for short-term students
- No eligible pre-existing condition coverage (Acute Onset covered up to $25,000)
- No Repatriation of Remains benefit
- Lower emergency evacuation limit than other Student Secure plans
- $500,000 policy maximum
- $250,000 maximum per injury or illness
- $250,000 Emergency Medical Evacuation
- $25,000 Repatriation of Remains
- 12-month waiting period for eligible pre-existing conditions
- No vaccination benefit
- Includes maternity care up to $5,000 lifetime maximum for a covered pregnancy and newborn nursery care up to $250
- Eligible pre-existing conditions covered after a 12-month waiting period
- Excellent balance of coverage and affordability
- $1,000,000 policy maximum
- $500,000 maximum per injury or illness
- $300,000 Emergency Medical Evacuation
- $50,000 Repatriation of Remains
- Includes maternity care up to $10,000 lifetime maximum for a covered pregnancy and newborn nursery care up to $750
- Eligible pre-existing conditions covered after a 6-month waiting period
- Intercollegiate & Club Sports: Up to $5,000 per injury or illness
- Higher coverage limits for long-term students
- $5,000,000 policy maximum
- $500,000 maximum per injury or illness
- $300,000 Emergency Medical Evacuation
- $50,000 Repatriation of Remains
- Higher premium designed for students seeking maximum coverage
- Includes maternity care up to $15,000 lifetime maximum for a covered pregnancy and newborn nursery care up to $750
- Eligible pre-existing conditions covered after a 6-month waiting period
- Intercollegiate & Club Sports: Up to $5,000 per injury or illness
- Includes a vaccination benefit and preventive care after 6 months of waiting period
- Highest level of WorldTrips Student Insurance protection
WorldTrips Student Insurance Renewal, Payment & Application Options
WorldTrips Student Insurance offers flexible enrollment, payment, and renewal options for international students studying in the USA. Student Secure Medical Insurance can be purchased for an initial period of up to 12 months and renewed for a total coverage period of up to 4 years, provided you remain eligible.
All Student Secure plans Smart, Budget, Select and Elite offer both monthly and annual payment options, so you can choose the payment schedule that best fits your budget. Monthly payments help spread the cost throughout the year, while annual payments allow you to pay the full premium upfront.
If you prefer not to enroll online, you can also complete a Student Secure paper application and submit it for processing. This is a convenient option for students who require manual enrollment or assistance with their application.
Not sure which Student Secure plan to choose? American Visitor Insurance can help you compare the benefits and select the plan that matches your healthcare needs and study duration. Choosing the right plan from the start may help you avoid resetting the waiting period for eligible pre-existing condition benefits when upgrading at renewal.
If you expect to need higher coverage or shorter waiting periods for eligible pre-existing conditions in the future, it's worth choosing the right plan from the start. American Visitor Insurance can help you compare StudentSecure Smart, Budget, Select and Elite so you choose the most suitable plan before enrolling. Although you can change Student Secure plan levels at renewal, upgrading from Budget to Select or Elite may reset the waiting period for eligible pre-existing condition benefits. Choosing the right plan initially can help you maximize your coverage while studying abroad
Does WorldTrips Student Insurance Cover Sports Injuries?
Yes. Whether you play sports for fun or participate in campus activities, WorldTrips Student Health Insurance provides coverage for many eligible sports-related injuries. While all Student Secure plans cover recreational sports, StudentSecure Select and StudentSecure Elite also include coverage for eligible intercollegiate, interscholastic, intramural, and club sports up to $5,000 per injury or illness.
Recreational Sports Covered
- Basketball, soccer, volleyball, tennis
- Hiking & trail running
- Recreational skiing & snowboarding
- Surfing & swimming
- Yoga & fitness classes
- Recreational cycling & other non-professional sports
Additional Coverage in Select & Elite
- emoji_events Intercollegiate sports
- emoji_events Interscholastic sports
- emoji_events Intramural sports
- emoji_events Club sports
- emoji_events Up to $5,000 per injury or illness for eligible medical expenses
If you regularly participate in college athletics, club sports, or intramural competitions, American Visitor Insurance recommends comparing StudentSecure Select and StudentSecure Elite, as these plans provide additional sports-related medical benefits that are not available with StudentSecure Smart or StudentSecure Budget.
Does WorldTrips Student Insurance Cover Maternity and Newborn Care?
Yes, WorldTrips Student Insurance includes maternity and newborn care benefits on StudentSecure Budget, Select, and Elite plans. The level of coverage increases with each plan, while StudentSecure Smart does not include routine maternity or newborn care benefits.
If maternity coverage is important, American Visitor Insurance recommends comparing StudentSecure Budget, Select, and Elite based on the level of maternity and newborn benefits you need. StudentSecure Elite provides the highest maternity benefit ($15,000), while StudentSecure Select offers a strong balance of coverage and affordability. For students who do not require maternity benefits, StudentSecure Smart may be the most economical option.
| Plan | Maternity Care | Newborn Nursery Care |
|---|---|---|
| StudentSecure Smart | Not covered | Not covered |
| StudentSecure Budget | Up to $5,000 lifetime maximum | Up to $250 |
| StudentSecure Select | Up to $10,000 lifetime maximum | Up to $750 |
| StudentSecure Elite | Up to $15,000 lifetime maximum | Up to $750 |
What Payment Options Are Available for WorldTrips Student Insurance?
WorldTrips Student Insurance offers flexible payment options to make Student Secure Insurance more affordable for international students. Whether you choose StudentSecure Smart, Budget, Select, or Elite, you can pay your premium monthly or annually the coverage and premium rate remain the same, so your decision depends on your budget and payment preference.
Monthly Payments
- Available for all Student Secure plans
- No additional monthly payment surcharge
- Helps spread the cost over the policy term
- Ideal for students on a monthly budget or those unsure how long they'll need coverage
- To avoid a lapse in coverage, ensure your monthly payments are made on time
Annual Payments
- Pay the full premium in one upfront payment
- Convenient for students who prefer a single payment
- May be useful if your university requests proof of coverage for an entire academic year during the insurance waiver process
- No difference in premium compared to monthly payments
Online & Paper Applications
You can purchase WorldTrips Student health Insurance online for immediate coverage or submit a Student Secure Paper Application if you prefer manual enrollment. Once your completed application and payment are received, your policy documents are issued electronically.
What is the Difference Between Student Secure Select and StudentSecure Elite?
StudentSecure Select and StudentSecure Elite share many of the same core benefits, including a $500,000 maximum per injury or illness, $300,000 Emergency Medical Evacuation, $50,000 Repatriation of Remains, a 6-month waiting period for eligible pre-existing conditions, and up to $5,000 in coverage for eligible intercollegiate, interscholastic, intramural, and club sports. The main differences are:
- Policy Maximum: Select offers up to $1,000,000, while Elite increases the overall policy maximum to $5,000,000.
- Maternity Benefits: Select covers maternity care up to $10,000, while Elite increases this benefit to $15,000.
- Preventive Care & Vaccinations: StudentSecure Elite includes preventive care and vaccination benefits, while StudentSecure Select does not.
- Newborn Nursery Care: Both plans provide up to $750 for newborn nursery care.
For most routine medical care or a single covered illness or injury, StudentSecure Select and StudentSecure Elite provide similar protection. American Visitor Insurance generally recommends StudentSecure Select for most long-term international students because it offers excellent value, while StudentSecure Elite is ideal for students seeking the highest overall coverage limit, preventive care and vaccination benefits, and enhanced maternity coverage.
Best StudentSecure Insurance for Students - FAQs
No. WorldTrips Student Insurance (Student Secure) covers only the enrolled student. StudentSecure Smart, Budget, Select, and Elite do not allow spouses or children to be added to the same policy.
If your spouse or child is traveling with you on an F-2 or J-2 visa, they must purchase a separate individual health insurance plan. American Visitor Insurance can help you compare affordable F-2 and J-2 dependent health insurance plans that meet your family's coverage needs while you study in the USA.
Yes. All WorldTrips Student Secure plans Smart, Budget, Select, and Elite meet or exceed the U.S. Department of State minimum health insurance requirements for J-1 exchange visitors. Each plan includes the required medical benefits, emergency medical evacuation, and repatriation of remains coverage, making them suitable options for many J-1 visa holders.
Yes. WorldTrips Student medical Insurance includes maternity and newborn care benefits on StudentSecure Budget, Select, and Elite, while StudentSecure Smart does not provide routine maternity coverage. Budget covers maternity up to $5,000 and newborn nursery care up to $250, Select increases these benefits to $10,000 and $750, and Elite provides up to $15,000 for maternity care and $750 for newborn nursery care. All benefits are subject to policy terms, eligibility requirements, and applicable waiting periods.
You can renew WorldTrips Student medical Insurance (Student Secure) for up to 4 years, as long as you continue to meet the plan's eligibility requirements.
Yes. WorldTrips Student Insurance covers eligible injuries from recreational sports under all Student Secure plans, including activities such as basketball, soccer, hiking, skiing, swimming, and other non-professional sports. StudentSecure Select and StudentSecure Elite also include up to $5,000 in benefits for eligible intercollegiate, interscholastic, intramural, and club sports. Professional sports, motor sports, and other activities specifically excluded by the policy are not covered. Benefits are subject to the policy's terms, conditions, and exclusions.
No. WorldTrips Student health Insurance costs the same whether you choose monthly or annual payments there is no additional charge for paying monthly. Monthly payments offer greater flexibility for students on a budget, while annual payments provide one upfront payment and may be preferred by universities that require proof of coverage for the full academic year as part of the insurance waiver process.
If you miss a monthly payment, your WorldTrips Student Insurance coverage may lapse, leaving you without health insurance protection. To maintain continuous Student Secure Insurance plans coverage, make your monthly payments on time and renew your policy before it expires.
You can purchase WorldTrips International Student Health Insurance through American Visitor Insurance. Compare StudentSecure Smart, Budget, Select, and Elite plans side by side, choose your deductible and coverage dates, enroll online in minutes, and receive your policy documents by email. Our licensed insurance agents are also available to help you compare plans, answer questions, and assist with enrollment and renewals at no additional cost.