WorldTrips international student medical insurance | Student Secure Insurance by WorldTrips

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Brochure Details Paper Application

Key Features

The Elite plan provides a policy maximum of $500,000 and Certificate period maximum of $5,000,000 with deductible $0.
Coverage is available on a daily or monthly basis.
Plan provides $100 for treatment in an emergency room for claims within the US only.
Mental health disorders(Treatment not received at student health center) is covered as : Outpatient- maximum 40 visits, Inpatient - maximum 40 days.
Covers Maternity up to $15,000.
Pre existing Condition are covered after 6 months waiting period.
Intercollegiate, interscholastic, intramural, or club sports - $5,000 max per injury sickness.
Covers Student health center copayment up to $10 per visit.
Acute onset of pre-existing condition is covered for $25,000 lifetime maximum for eligible expenses.

Plan Options

Select Traveler's Age
Maximum Coverage
Deductible Amount

$37.54 PER MONTH BUY

Brochure Details Praposal Form

Key Features

The Select plan provides a policy maximum of $500,000 and Certificate period maximum of $1,000,000 with deductible $0.
Coverage is available on a daily or monthly basis.
Plan provides $200 for treatment in an emergency room for claims within the US only.
Mental health disorders(Treatment not received at student health center) is covered as : Outpatient- maximum 30 visits, Inpatient - maximum 30 days.
Covers Maternity up to $10,000.
Pre existing Condition are covered after 6 months waiting period.
Intercollegiate, interscholastic, intramural, or club sports - $5,000 max per injury sickness.
Covers Student health center copayment up to $10 per visit.
Acute onset of pre-existing condition is covered for $25,000 lifetime maximum for eligible expenses.

Plan Options

Select Traveler's Age
Maximum Coverage
Deductible Amount

$37.54 PER MONTH BUY

Brochure Details Paper Application

Key Features

The Budget plan provides a policy maximum of $250,000 and Certificate period maximum of $5,00,000 with deductible $0.
Coverage is available on a daily or monthly basis.
Plan provides $350 for treatment in an emergency room for claims within the US only.
Mental health disorders(Treatment not received at student health center) is covered as : Outpatient- maximum 30 visits, Inpatient - maximum 30 days.
Covers Maternity up to $5,000.
Pre existing Condition are covered after 6 months waiting period.
Intercollegiate, interscholastic, intramural, or club sports - $5,000 max per injury sickness.
Covers Student health center copayment up to $25 per visit.
Acute onset of pre-existing condition is covered for $25,000 lifetime maximum for eligible expenses.

Plan Options

Select Traveler's Age
Maximum Coverage
Deductible Amount

$37.54 PER MONTH BUY

Brochure Details Praposal form

Key Features

The Smart plan provides a policy maximum of $100,000 and Certificate period maximum of $200,000 with deductible $0.
Coverage is available on a daily or monthly basis.
Plan provides $350 for treatment in an emergency room for claims within the US only.
Mental health disorders(Treatment not received at student health center) is covered as : physician office visit: $500 maximum inpatient - up to $5k maximum.
Covers Maternity up to $5,000.
Intercollegiate, interscholastic, intramural, or club sports - $5,000 max per injury sickness.
Covers Student health center copayment up to $25 per visit.
Acute onset of pre-existing condition is covered for $25,000 lifetime maximum for eligible expenses.

Plan Options

Select Traveler's Age
Maximum Coverage
Deductible Amount

$37.54 PER MONTH BUY

Student Age	Smart	Budget	Select	Elite
Under 18 years	$31.62	$53.01	$106.02	$181.35
18 – 24 years	$31.62	$53.01	$106.02	$181.35
25 – 30 years	$67.27	$99.82	$240.56	$374.17
31 – 40 years	$167.09	$236.53	$538.16	$805.07

StudentSecure Elite Insurance - Key Highlights

This is an international student health plan which is suited for international students studying abroad outside their home country.
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, 80% of eligible expenses is covered up to the next $10k 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 40 visits, Inpatient - maximum 40 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.
Emergency Dental treatment covers up to $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

The Select plan provides a policy maximum of $500,000 and Certificate period maximum of $1,000,000 with deductible $0.
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 $25k 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.
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).
Emergency Dental treatment covers up to $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 $5k 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 $50,000 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.
The Budget plan provides a policy maximum of $250k and Certificate period maximum of $500k with deductible of $0.
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 $45k 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).
Emergency Dental treatment covers up to $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 $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 with deductible of $0.
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 $100k 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 : physician office visit: $500 maximum inpatient - up to $5k 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).
Emergency Dental treatment covers up to $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).

Best StudentSecure insurance for students - FAQ's

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 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.

The StudentSecure insurance for students cost 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 Covid 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 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.

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 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.

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 often times 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 and very few plans pay for medical evacuation.

StudentSecure plan
Affordable Friendly choice	Four plan levels Monthly payment option Advance payment of full premium gives you-savings
Convenience	Purchase online Instant policy documents Manage your policy via Student Zone on your own
Restart	Easy renewable option for multiple years untill you need
International Provider Search Engine	Search for qualified hospitals and medical providers worldwide
Excellence in customer service	Availablity of Travel assistance services-365 days a year with multiple language

WorldTrips - International Student Insurance

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