StudentSecure Budget Medical Insurance
A cost-effective medical insurance plan for international students without compromising essential coverage.
What Is StudentSecure Budget Health Insurance?
StudentSecure Budget is an affordable health insurance plan designed for international students studying in the U.S. The plan provides up to $250,000 coverage per injury or illness with a $0 deductible. This plan meets J-1 visa insurance requirements and includes pre-existing condition coverage after 12 months from the policy effective date. StudentSecure Budget also offers limited coverage for intercollegiate, interscholastic, intramural, and club sports, making it suitable for students who participate in campus athletic activities.
StudentSecure Insurance Is Designed for International Students Seeking:- Comprehensive 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 a monthly payment plan or discounted rates when paying the full premium in advance
- Coverage for leisure sports and activities, along with outpatient prescription drug benefits and mental health coverage
- Essential medical benefits, including Hospital Room & Board, Intensive Care Unit (ICU) services, and local ambulance coverage
Complete your Student Secure Insurance application form to ensure you have the coverage you need while studying abroad.
After buying the plan, students can access their StudentSecure Budget id card and all plan documents through the StudentSecure Budget login porter. At American Visitor Insurance, students in the USA can contact the StudentSecure Budget customer service for assistance with plan details, quotes, and other queries. Please contact us at (877)-340-7910 and our licensed agents will be glad to help you!
StudentSecure Budget Insurance Reviews
How Much Coverage Does StudentSecure Budget Insurance Provide?
StudentSecure Budget insurance offers a policy maximum, which is the total cumulative amount of benefits available during the certificate period. Once this maximum is reached, no further benefits are payable.
- Certificate period maximum: $500,000
- Maximum benefit per injury or illness: $250,000
These limits make StudentSecure Budget a cost-effective option for international students seeking affordable medical insurance with solid coverage while studying abroad.
What Is a Deductible in StudentSecure Budget Insurance?
A deductible is the dollar amount an insured student must pay out of pocket for covered medical expenses before the StudentSecure Budget insurance begins to pay benefits.
StudentSecure Budget insurance offers a $0 deductible option, meaning the plan starts paying eligible expenses immediately without requiring the student to pay a deductible first.
What Is Coinsurance in StudentSecure Budget Insurance?
Coinsurance is the percentage of eligible medical expenses that StudentSecure Budget pays after the deductible (if any) has been met.
- Inside the PPO Network: StudentSecure Budget pays 80% of eligible expenses up to $45,000, then 100% of eligible expenses up to the plan’s maximum limit.
- Outside the PPO Network: Eligible expenses are paid based on Usual, Reasonable, and Customary (URC) charges. The insured student is responsible for any costs that exceed the payable amount.
What are the key highlights of StudentSecure Budget insurance?
- Acute onset of pre-existing condition covered $25,000 up to policy maximum
- Maternity care condition covered $10,000 up to policy maximum
- Pre-existing condition is covered after a 12 month waiting period.
- Mental health disorders(Treatment not received at student health center) is covered as : Outpatient- maximum 30 visits, Inpatient - maximum 30 days.
- Outpatient prescription drugs are covered for 50% of actual charges (Not subjected to deductible or co-insurance).
- Intensive Care Unit charges are covered up to the overall maximum limit.
- Emergency Medical Evacuation is covered for up to $250,00,000 lifetime maximum
- Sports activities, leisure, recreational,entertainment or fitness is covered upto overall maximum limit.
- Medical coverage for intercollegiate, interscholastic, intramural, or club sports.
- Emergency Medical Evacuation is covered for up to $300k lifetime maximum (Not subject to deductible or co-insurance).
- Urgent Care Clinic: $75 copay, waived with a $0 deductible
Who is eligible for StudentSecure Budget insurance plan?
- Individuals up to the age of 65 years.
- Individuals must be a full time student at a college or university, excluding online colleges and universities, or within 31 days of being a Full-time Student at a college or university; or must be a Full-time Scholar affiliated with an educational institution and performing work or research for at least 30 hours per week.
- The Full-time Student/Scholar status requirement is waived for Participants within the US holding a valid F-1 visa including those students on OPT or a J-1 visa. Full-time status requirements remain in force for individuals holding M-1, or other category visas
- Must be residing outside his or her Home Country for the purpose of pursuing international educational activities
- Must not have obtained residency status in the Host Country.
- Participants in the U.S. must hold a valid education related Visa. A copy of the I-20 or DS2019 may be requested.
What are the US state and country restrictions to buy StudentSecure Budget Insurance plan?
Student Secure Budget Insurance – Flexible Payments & Easy Online Enrollment
Student Secure Budget Insurance offers flexible payment options, including monthly premium payments, making it an ideal choice for students who want to manage expenses without paying the full premium upfront. Monthly billing helps reduce financial burden while still providing continuous coverage that meets most U.S. university and visa insurance requirements.
How Can International Students Apply for Student Secure Budget Insurance?
For students who cannot purchase insurance online, Student Secure Budget Insurance provides a convenient paper application option. This is ideal for international students who do not have access to international credit cards, online banking, or U.S.-based payment methods. With the offline paper application, students can apply without making an online payment, submit required documents manually, and complete enrollment through authorized representatives or program sponsors.
Thanks to its budget-friendly pricing, flexible payment options, and offline application process, Student Secure Budget Insurance is a popular choice for students applying from abroad, newly arrived international students, and those seeking a simple, non-digital method to secure essential student medical coverage
How much does Student Secure Budget cost per month?
The Student Secure Budget cost ranges from $53 to $236 per month for students studing 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.
For example here is the cost of student secure budget insurance per month with a deductible of $0.
| Student age | 18 - 24 years | 25 - 30 years | 31 - 40 years |
|---|---|---|---|
| Medical maximum $500,000 | $53 | $100 | $236 |
| Sports coverage | Covers recreational sports and activities | ||
| Dental treatment | Covers up to $500 | ||
| Maternity coverage | This plan provides maternity coverage up to $5,000 | ||
| Pre-existing condition | Covered after a 12 month waiting period | ||
Student Secure Budget student insurance cost ranges from $46 to $315 for students studying outside USA. This is dependent on the factors namely age of the student, the plan maximum and the deductible.
StudentSecure Budget student insurance offers $500,000 medical maximum with $0 deductible.
For example here we are showing Student Secure Budget cost per month with $0 deductible.
| Student age | Medical Maximum $500,000 | ||
|---|---|---|---|
| 14 days to 24 years | $46 | ||
| 25 – 30 years | $53 | ||
| 31 – 40 years | $114 | ||
| 41 – 50 years | $315 | ||
NEED HELP?
Contact our customer service team, we are here to help you!
What are the benefits of StudentSecure Budget insurance?
- Medical Benefits
Hospital Room & Board help Average semi-private room rate, including nursing services Intensive Care help 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 / illness only when covered illness/ injury results in hospitalization as inpatient Mental Health Disorders help Physician Office Visit: Maximum of 30 visits
Inpatient: Maximum of 30 days - Crisis Support
- Pre-Existing Conditions
Acute onset of pre-existing condition help $25,000 lifetime maximum for eligible expenses Pre-Existing Conditions Covered after 12 months of waiting period - Other Benefits
Terrorism help Up to $50,000 lifetime maximum; eligible medical expenses only Sports & Activities - Leisure, Recreational, Entertainment or Fitness Up to the overall maximum limit
StudentSecure Budget Plan – Copayments
- Student Health Center: $25 per visit
- Physician Office Visit: $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:
$75 per visit within the PPO network or outside the U.S.
$150 per visit outside the PPO network (U.S. only) - Emergency Room (U.S. claims 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)
Compare StudentSecure Insurance plans
StudentSecure Budget Insurance Common Questions
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.
Yes, International students can renew StudentSecure Budget Insurance online up to 12 months.
StudentSecure Budget insurance offers Maternity care for covered pregnancy up to $5,000.It also offers Nursery care of new born up to $250.
StudentSecure Budget insurance covers sports & activities - leisure, recreational, entertainment, or fitness up to the overall maximum limit
Yes, StudentSecure 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.
StudentSecure Budget 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, StudentSecure Budget 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. StudentSecure Budget 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 StudentSecure Budget insurance working example.
How do I file a claim with StudentSecure Budget Insurance?
To file a claim with StudentSecure Budget Insurance, follow these steps:
- Download the Claims Form: Access the StudentSecure Budget insurance claims form online.
- Contact Customer Support: Call the toll-free number 1-800-628-4664 for guidance or assistance.
- Complete and Submit Documents: Fill out the claims form and send it, along with any required supporting documents, to the Claims Department:
- Mailing Address: International Medical Group, P.O. Box 9162, Farmington Hills, MI 48333.
- Email Assistance: For additional help or inquiries, email mailto:service@worldtrips.com.
What is a PPO network in StudentSecure Budget insurance?
A Preferred Provider Organization (PPO) network is a group of qualified doctors, well-recognized hospitals, and medical facilities that have contracts with WorldTrips to provide medical services to insured students at negotiated rates. Using PPO network providers helps reduce out-of-pocket costs for insured students.
The StudentSecure Budget insurance PPO network includes the UnitedHealthcare PPO network, giving international students access to a wide range of healthcare providers across the United States.
WorldTrips maintains a wide network of health care providers.
Outside US: There is no preferred provider organization (PPO) outside the US. To find doctors and hospitals outside the US, then click herelocation_city Find Provider Network
What is the StudentSecure Insurance Exclusions?
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).
Resourceful links of StudentSecure Insurance plan
StudentSecure student Insurance Forum
Questions, answers for WorldTrips StudentSecure insurance plan...
Read more »StudentSecure student Insurance Blog
Articles on StudentSecure insurance plan coverage...
Read more »Compare StudentSecure Insurance Plan
Compare and review StudentSecure insurance plan benefits...
Read more »Student Sports
Compare and buy WorldTrips Sports Student Travel Insurance...
Read more »