StudentSecure insurance reviews

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StudentSecure Insurance Reviews

  • Provides coverage for pre-existing conditions after a 180-day waiting period for StudentSecure Select and StudentSecure Budget Plans.
  • Sports: Medical treatment arising out of participation in intercollegiate, interscholastic, intramural and sports club $5000(StudentSecure select plan) and $3000(StudentSecure budget plan) per injury or sickness.
  • Life/Plan renewal: The plan is available for an unlimited period of time to J1 and F1 visa holders who are engaged in a full-time educational program.
  • For charges incurred within the PPO or at a student health center, coinsurance will be waived and deductible is reduced to $50.
  • View complete details of benefits

StudentSecure Select Insurance Insurance Review

Insurance provider
StudentSecure Select Rating
  • AM Best Rating: A++ (Superior)
  • Standard & Poor’s Rating: AA-
StudentSecure Select Underwriter
Policy maximum
Certificate period maximum: $600,000
Maximum benefit per injury or illness: $300,000
Deductible options
$35 per injury or illness within the PPO network, outside the U.S. or student health center; otherwise $70 per injury or illness

StudentSecure Insurance links

  • Brochure
  • Select Details
  • Budget Details
  • Smart Details
  • Elite Details
  • Advantages
  • Disadvantages
  • Claims
  • Renewal
  • Provider network
  • Comprehensive

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 $300,000 and Certificate period maximum of $600,000.
  • 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 $25,000 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 $10,000.
  • 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 $300,000 lifetime maximum (Not subject to deductible or co-insurance).
  • Repatriation of remains is covered for up to $50,000 lifetime maximum (Not subject to deductible, co-insurance or overall maximum limit).

A working example of using StudentSecure Select insurance

Let us take an example: The medical bill is $25,000; Deductible is $35 and choosen Policy Maximum is $300,000
  • Insurance coverage is $300,000
  • Deductible is $35 per certificate period
  • Total medical expenses is $25,035
The insured must pay the deductible ($35) before the insurance plan pays anything. Since the policy maximum coverage is $300,000 and the total amount billed is $25,035, the policy will pay 80% of first $5,000 then 100% up to the policy limit ($300,000). In this case the insured expense after the deductible is 20% of first $5,000, which is $1,000. Thus your final expense is $1,035 while the insurance company will cover the remaining $24,000.

Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $35 $0 $35
Hospital Room Rent $9,000 $8,000 $1,000 (20% of first $5,000)
Surgery $15,000 $15,000 $0
X Ray $1,000 $1,000 $0
Total $25,035 $24,000 $1,035

*Disclaimer:- We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.

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Review of StudentSecure insurance

  • StudentSecure Insurance Advantages

    • StudentSecure Select Insurance Covid19 travel insurance by WorldTrips for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.
    • Full time students and research scholars registered for universities outside their home country can buy this insurance.
    • This plan can be renewed online up to 4 years.
    • Full refund if the policy is cancelled before the policy start date. If the policy is after the policy start date after deducting the cancellation charges refund of premium for unused months will be paid.
    • It as a monthly payment option.
    • Good PPO network.
    • Pre-existing medical conditions are covered after a waiting period of 180 days.
    • Coinsurance inside the US - Underwriters will pay 80% of the next $5,000 of eligible expenses after deductible, then 100% to certificate period maximum.
    • Coinsurance outside the US - After the Deductible, Underwriters will pay 100% of Eligible Expenses to Certificate Period Maximum
    • The policy pays for maternity care, routine care for a newborn baby and therapeutic termination of pregnancy.
    • This policy covers for AD&D, evacuation, repatriation, emergency reunion, terrorism, intercollegiate or club sports.
    • It also covers for mental health disorders, dental cover, physical therapy & chiropractic care.
  • StudentSecure Insurance Disadvantages

    • After 60 days of risk start date, there is no refund for cancellation of the policy.
    • The policy holder has to wait for 6 months for the pre-existing diseases to be covered.
    • No coverage for the dependents.
    • Failure to get precertification of claims will result in reduction of 50% of eligible medical expenses.

StudentSecure insurance - Common Questions

StudentSecure - FAQ's

01. Is Worldtrips travel insurance a reliable insurance company? Is Worldtrips insurance a good insurance company ?

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 Atlas travel insurance and Visitors Secure products are popular for product excellence, by giving affordable options for travelers to customize to meet the requirements of unique traveler needs. Individuals traveling for vacation, business men, students and group insurance works well for travelers traveling overseas.

This Indianapolis based company is the first company to enable their products and services for visitors via the internet for both US citizens and non–US citizens traveling abroad and to the US.

02. 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.

03. What is the coverage area of WorldTrips Student Secure insurance?

StudentSecure Insurance is an international student health plan which is suited for international students studying abroad outside their home country.

04. How much does Student Secure student insurance cost?

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.

05. How do I purchase Student Secure insurance?

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.

06. What are the requirements for applying for Student Secure Insurance?

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.

07. Does StudentSecure Insurance cover covid illness?

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.

08. Is Worldtrips insurance a legit company?

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 travel insurance plans for travelers with financial support , access to the best healthcare support and 24/7 emergency travel assistance .

09. Can I buy travel insurance from Worldtrips?

Worldtrips insurance previously known as Tokio Marine HCC – Medical Insurance Services Group has received A+ rating from the from S&P Global Ratings. Worldtrips travel insurance reviews indicate that it currently offers travel medical insurance for over 180 countries and trip protection insurance products for the US residents.

10. What cover does Worldtrip offer in their WorldTrips Covid travel insurance? Does it have Quarantine coverage for US travelers?

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.

11. Why should I buy travel insurance from Worldtrips insurance?

World trips offers coverage around the world with the fully comprehensive travel medical insurance and trip protection products .Worldtrips was acquired by Tokio Marine in 2015 and functions as a member since the acquisition. Worldtrips insurance offer some of the unique travel medical and trip protection plans for international travelers worldwide.

12. Is it possible to renew Student Secure Insurance?

Yes, International students can renew Student Secure Insurance online up to 12 months.

13. How can I cancel Student Secure insurance?

If you want to cancel Student insurance, you must submit your cancellation request to in order to receive a refund or premium. Only members who have no claims are eligible for premium refund.
Following are the cancellation policy terms and conditions:
Cancellation before effective date:

  • Full refund of premium.
Cancellation after effective date:
  • $25 cancellation fee will be charged by the insurance company.
  • Only unused portion of the plan cost will be refunded.
  • After 60 days, no refunds are granted.

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

Student Secure Smart insurance does not offer coverage for Maternity and new born care coverage. Other Student Secure insurance plans (Student Secure Budget, Student Secure Select and Student Secure Elite) offer coverage for maternity and new born care coverage.

15. Does Student Secure insurance offer coverage for Team sports?

Student Secure Smart insurance does not offer coverage for Intercollegiate, interscholastic, intramural, or club sports. Other Student Secure insurance plans (Student Secure Budget, Student Secure Select and Student Secure Elite) offer coverage for Team Sports.

16. Will I lose Student Secure coverage when I graduate or if I leave school?

Yes, Student Secure Insurance is available for full time students and will end its coverage once you graduate. You can buy the Atlas travel insurance plan for more coverage.

17. How does Student Secure insurance offer coverage for medical expenses?

Student Secure 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, Student Secure Select 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. Student Secure Select 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 Student Secure insurance working example.

Resourceful links of StudentSecure insurance plan

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