StudentSecure Budget Insurance
WorldTrip StudentSecure Budget is affordable international student health insurance for full-time students and scholars studying outside their home country. It pairs a $0 deductible and $500,000 overall coverage with pricing built for a tight study-abroad budget, and it meets J-1 and F-1 visa insurance requirements.
What Is StudentSecure Budget Health Insurance?
StudentSecure Budget is WorldTrips' entry-level comprehensive plan for international students, sitting between the ultra-low-cost StudentSecure Smart plan and the higher-tier Select and Elite plans. It's designed for students who want solid, visa-compliant coverage without paying for benefits they don't need.
The plan provides up to $500,000 in overall coverage, with a $250,000 maximum per injury or illness and a $0 deductible, so eligible expenses start being paid right away, subject to copayments. StudentSecure Budget meets J-1 visa insurance requirements and satisfies the coverage minimums of many U.S. colleges and universities, and it includes pre-existing condition coverage after a 12-month waiting period. StudentSecure Budget does not cover intercollegiate, interscholastic, intramural, or club sports, and it does not include an Accidental Death & Dismemberment (AD&D) benefit.
After buying the plan, Students can get the StudentSecure Budget ID card and all the plan documents by using Student Secure Budget login portal. At American Visitor Insurance, International students can contact the StudentSecure Budget customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to assist you!
Who Is StudentSecure Budget Best Suited For?
Students who need a visa-compliant plan with a $0 deductible and mid-range coverage, without paying Select or Elite pricing.
Student Secure Budget includes up to $5,000 for a covered pregnancy and $250 for newborn nursery care.
Leisure, recreational, entertainment, and fitness activities are covered up to the overall maximum limit.
Scholars performing at least 30 hours/week of research at an educational institution also qualify.
Students on varsity, intercollegiate, or club sports teams (choose StudentSecure Select or StudentSecure Elite instead), or students whose university requires a $1,000,000+ maximum or vaccination/preventive care coverage.
What Students Actually Need to Check First?
Not every plan advertised as international student health insurance offers the same benefits. Before choosing a plan, compare these important features to see if WorldTrips StudentSecure Budget meets your needs.
Who Is Eligible for StudentSecure Budget Insurance?
- Individuals up to the age of 65 years.
- Must be a full-time student at a college or university (excluding online colleges/universities), or within 31 days of being a full-time student, or a full-time scholar performing work/research for at least 30 hours per week.
- The full-time student/scholar requirement is waived for participants in the U.S. holding a valid F-1 visa (including OPT) or J-1 visa. M-1 and other visa categories must still meet full-time status requirements.
- Must be residing outside your home country for the purpose of pursuing international educational activities.
- Must not have obtained residency status in the host country.
- Must hold a valid education-related visa; a copy of the I-20 or DS-2019 may be requested.
- Not available to individuals physically located in New York, Maryland, Washington, Iran, Canada, or Australia at the time of purchase. Travel to Iran is not eligible under this plan.
StudentSecure Budget is designed for international students seeking:
- Coverage that meets or exceeds most government and visa requirements, including J-1 visa insurance requirements
- Budget-friendly student health insurance that satisfies the requirements of many U.S. schools and academic programs
- Flexible payment options, including monthly payments or a discount for paying the full premium upfront
- Coverage for leisure sports and activities, outpatient prescription drug benefits, and mental health coverage
- Essential medical benefits, including Hospital Room & Board, Intensive Care Unit (ICU) services, and local ambulance coverage
How to Apply for StudentSecure Budget Insurance?
- Passport (for identity and date-of-birth verification)
- School/program name and U.S. address
- Your school's minimum insurance requirement, if a waiver is needed
- Form I-20 (F-1 students) or DS-2019 (J-1 exchange visitors)
- Intended coverage start and end dates
- Payment method for monthly or full-premium payment
Students without access to international credit cards or U.S. payment methods can apply using an offline paper application, submitting documents manually through an authorized representative or program sponsor.
How Much Does StudentSecure Budget Insurance Cost Per Month?
Student Secure Budget cost ranges from $62 to $277 per month for students studying in USA. This is dependent on the age of the student, the plan maximum and the deductible. The Student Secure Budget plan offers medical maximum of $250,000 with $0 deductible. Both monthly and annual payment options are available.
Studying Inside the USA:Student Secure Budget student insurance cost ranges from $55 to $377 per month for students studying outside USA. This is dependent on the factors namely age of the student, the plan maximum and the deductible. The insurance offers $500,000 medical maximum with $0 deductible.
Studying Outside the USA:How Student Secure Budget Coverage Works in Action?
A fall during a hiking trip with classmates leads to a fracture requiring surgery. StudentSecure Budget covers eligible expenses - diagnostic testing, physician charges, nursing services, surgery, and hospital room charges - up to the $500,000 overall maximum.
A recreational game at the student gym results in a chipped tooth. The Emergency Dental Treatment benefit reimburses up to $500 to resolve pain or restore the damaged tooth.
A physician prescribes a topical cream and oral medication for a covered illness. StudentSecure Budget pays 50% of the actual pharmacy charge, and this benefit isn't reduced by coinsurance.
Advantages & Disadvantages of StudentSecure Budget Insurance
Advantages
6 benefits$0 deductible - no out-of-pocket cost before coverage begins
Meets J-1 visa insurance requirements and many university mandates
Third-highest coverage limit among StudentSecure plans, at the second-lowest price
Maternity coverage up to $5,000
Outpatient prescription drug and mental health benefits included
Flexible monthly payments or a discount for paying in full
Disadvantages
6 limitsLower overall maximum ($500,000) than Select ($1M) or Elite ($5M)
No coverage for intercollegiate, interscholastic, intramural, or club sports
No Accidental Death & Dismemberment (AD&D) benefit
No vaccination or preventive care coverage (available on Elite)
12-month waiting period before standard pre-existing conditions are covered
Not available to residents of NY, MD, WA, Iran, Canada, or Australia
What Are the Benefits of StudentSecure Budget Insurance?
| Hospital room and board | Average semi-private room rate, including nursing services |
| Intensive Care | Up to the overall maximum limit |
| Outpatient Treatment | Up to the overall maximum limit |
| Outpatient Prescription Drug | 50% of actual charge (not subject to coinsurance) |
| Outpatient Physical Therapy & Chiropractic Care | Up to $50 per visit per day |
| Maternity Care for a Covered Pregnancy | Up to $5,000 lifetime maximum |
| Nursery Care of Newborn | Up to $250 |
| Therapeutic Termination of Pregnancy | Up to $500. (Not subject to coinsurance) |
| Emergency Dental Treatment | Up to $500 |
| Emergency local ambulance | Up to $500 per injury or illness, when covered illness or injury results in hospitalization as inpatient. |
| Mental Health Disorders | Physician Office Visit: Maximum of 30 visits Inpatient: Maximum of 30 days |
| Student Health Center Copayment | $25 per visit |
| Physician Office Visit Copayment | $50 per visit within the PPO network or outside the U.S.; $100 per visit outside the PPO network (U.S. only) |
| Urgent Care Center Copayment | $75 per visit within the PPO network or outside the U.S.; $150 per visit outside the PPO network (U.S. only) |
| Emergency room co-payment (Claims incurred in the U.S. only) | $350 emergency room facility fee per visit |
| Hospital Copayment (Inpatient & Outpatient) | $150 per visit within the PPO network or outside the U.S.; $300 per visit outside the PPO network (U.S. only) |
| Emergency medical evacuation | Up to $250,000 lifetime maximum |
| Emergency Reunion | Up to $1,000, subject to a maximum of 15 days |
| Repatriation of remains | Up to $25,000 lifetime maximum |
| Acute onset of pre-existing condition | $25k lifetime maximum for eligible expenses |
| Pre-Existing Conditions | Covered after 12 months of waiting period |
| Terrorism | Up to $50,000 lifetime maximum; eligible medical expenses only |
| Sports & Activities - Leisure, Recreational, Entertainment or Fitness | Up to the overall maximum limit |
Compare StudentSecure Budget vs. Elite, Select & Smart
| Feature | StudentSecure Budget | StudentSecure Select | StudentSecure Smart | StudentSecure Elite |
|---|---|---|---|---|
| Best for | Budget-conscious students who still want solid mid-range benefits | Longer programs, students wanting faster pre-existing coverage & sports coverage | Shortest stays and the lowest possible monthly premium | Maximum coverage, vaccinations, and personal liability protection |
| Medical maximum | $500,000 | $1,000,000 | $200,000 | $5,000,000 |
| Max Per Injury/Illness | $250,000 | $500,000 | $100,000 | $500,000 |
| Pre-existing condition wait period | After 12 months waiting period | After 6 months waiting period | No coverage | After 6 months waiting period |
| Acute onset of pre-existing conditions | Up to $25,000 | Up to $25,000 | Up to $25,000 | Up to $25,000 |
| Emergency Medical Evacuation | Up to $250,000 | Up to $300,000 | Up to $50,000 | Up to $300,000 |
| Maternity Care | Up to $5,000 | Up to $10,000 | Not covered | Up to $15,000 |
| Intercollegiate/Club Sports | Not covered | Up to $5,000 | Not covered | Up to $5,000 |
| Monthly cost | From $62 | From $116 | From $36 | From $203 |
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What Is Excluded From StudentSecure Budget Insurance?
Certain medical expenses are excluded from coverage under StudentSecure Budget international student insurance. Some key exclusions are listed here - refer to the Description of Coverage for the complete list.
Certain medical expenses are excluded from coverage. Some key exclusions are listed here - refer to the Description of Coverage for the complete list.
- check_circle Pre-existing conditions are excluded during the first 12 months of coverage under StudentSecure Budget.
- check_circle Vaccinations, routine physical exams, and other diagnostic labs, x-rays, or procedures for screening or preventive purposes.
- check_circle Routine prenatal care, pregnancy, childbirth, and postnatal care, unless directly related to a covered pregnancy.
- check_circle Medical expenses for injury or illness resulting from participation in specifically excluded extreme sports (full list in the Description of Coverage).
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 diagnosed, treated, or disclosed.
What Is a PPO Network in StudentSecure Budget Insurance?
A Preferred Provider Organization (PPO) network is a group of qualified doctors, hospitals, and clinics that have agreed to pre-negotiated rates for insured students. Using an in-network provider typically means lower out-of-pocket costs.
Inside the United States, StudentSecure Budget runs on the UnitedHealthcare PPO network, giving international students access to one of the largest healthcare provider networks in the country.
Outside US: There is no preferred provider organization (PPO) outside the US. To find doctors and hospitals outside the US, then click here »
How Do I File a Claim With StudentSecure Budget Insurance?
To file a claim with StudentSecure Budget Insurance, follow these steps:
How Does StudentSecure Budget Insurance Work?
Your policy covers sudden illness, accidental injury, and acute onset of pre-existing conditions. Routine checkups and elective procedures are excluded. For major events, call WorldTrips' 24/7 travel assistance line first.
Show your StudentSecure ID card at a UnitedHealthcare PPO provider to minimize out-of-pocket costs. Out-of-network providers are allowed, but you may need to pay upfront and file for reimbursement.
With a $0 deductible, in-network care inside the U.S. is paid at 80% of the next $45,000 of eligible expenses (after applicable copayments), then 100% to the $250,000 per-injury/illness maximum. Outside the U.S., eligible expenses are paid at 100% after copayments, up to the overall maximum.
Download the claims form, complete it, and submit it with supporting documents to the Claims Department, or call 1-800-628-4664 for guidance. Email [email protected] for assistance.
WorldTrips processes claims and pays covered amounts once documentation is received. Your policy stays active until it expires or your $250,000 per-injury or $500,000 overall maximum is reached.
StudentSecure Budget Insurance - FAQs
Why Buy StudentSecure Budget Through American Visitor Insurance?
- Side-by-side plan comparison - Compare Budget, Elite, Select, and Smart side by side and purchase securely online in minutes.
- Experienced support - Licensed agents with 20+ years of experience in international student and visitor insurance.
- Helpful resources - Detailed FAQs, blog articles, and guides built from real student and parent questions.
- Claims support when you actually need it - the same team that helped you enroll can guide you through filing a claim, so you're not left to interpret WorldTrips claim form alone.
- No markup - premiums are set by the carrier, so buying through American Visitor Insurance costs the same as buying direct, with the added benefit of a human to call.
- Licensed & Trusted Platform - American Visitor Insurance is a licensed US-based insurance platform (NJ License #1181604).