StudentSecure Budget Insurance for Covid19

StudentSecure Budget Insurance Cost

Age & Citizenship
Coverage region
Start date
End date
StudentSecure Insurance
Insurance provider
StudentSecure Budget underwriter
Policy maximum?
Certificate period maximum: $600,000
Maximum benefit per injury or illness: $300,000
StudentSecure Budget rating
  • AM Best Rating: A++ (Superior)
  • Standard & Poor’s Rating: AA-
Deductible options?
$45 per injury or illness within the PPO network, outside the U.S. or student health center; otherwise $90 per injury or illness
StudentSecure Budget Links
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StudentSecure Budget International student health insurance

StudentSecure Budget covers for $250,000 per injury or illness with a deductible of $45 within PPO or student health center, otherwise $90 per injury or illness. This plan meets J-1 visa requirements, covers pre-existing condition coverage after policy is in effect for 12 months and some intercollegiate, interscholastic, intramural, or club sports coverage.

StudentSecure Budget student medical insurance coverage for Covid19

WorldTrips Covid19 Student health insurance by Student Secure Insurance with coronavirus coverage covers Covid19 illness for international students outside their home country.

WorldTrips StudentSecure Budget Plan Summary

EligibiltyWhat is the eligibility to buy Student Secure Budget Insurance?
  • 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.
Expenses incured by customer after deductibleStudent Secure Budget insurance Coinsurance?
  • Inside the United States
    • In ppo network: Plan pays 80% of the next $25,000 of eligible expenses after the deductible, then 100% to the overall maximum limit.
    • Out of ppo network: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
  • Outside the United States
    • After the deductible, plan pays 100% of eligible expenses to the certificate period maximum.
What are the US state and country restrictions to buy Student Secure Budget Insurance plan?
  • StudentSecure is not available to individuals who are physically located in the states of New York, Maryland, or Washington or in the country of Canada or Australia at time of purchase.
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StudentSecure Budget insurance benefits

Medical Benefits
Hospital room and board Average semi-private room rate, including nursing services.
Intensive care unit Up to the overall maximum limit.
Covid coverage Student Secure Insurance with coronavirus coverage covers Covid19 illness for international students outside their home country.
Outpatient treatment Up to the overall maximum limit
Outpatient prescription drugs 50% of actual charge (not subject to deductible or coinsurance)
Outpatient Physical therapy & chiropractic care Up to $50 per visit per day (not subject to coinsurance. Must be ordered in advance by a physician and not obtained at a student health center)
Maternity Care for a Covered Pregnancy Up to $25,000(not subject to coinsurance)
Nursery Care of Newborn Up to $750(not subject to coinsurance)
Therapeutic Termination of Pregnancy Up to $500(not subject to coinsurance)
Emergency local ambulance Up to $500 per injury / illness if hospitalized as inpatient
Emergency room (co-payment) $350 for treatment received in an emergency room
Emergency dental (acute onset of pain up to 72 hours) Up to $100 (not subject to deductible or coinsurance).
Dental treatment due to accident Up to $250 maximum per tooth; $500 maximum per certificate period. Not subject to coinsurance
Emergency medical evacuation Up to $250,000 lifetime maximum. Not subject to deductible or coinsurance
Repatriation of remains Up to $25,000 lifetime maximum
Maternity care for a covered pregnancy Up to $5,000. .
Mental health disorders (Treatment must not be provided at a student health center) Outpatient: Maximum of 30 visits; Inpatient: Maximum 30 days (Treatment must not be obtained at a Student health center)
Emergency reunion Up to $1,000, subject to a maximum of 15 days
Acute onset of pre-existing condition* $25,000 lifetime maximum for eligible expenses
Pre-existing condition 12 months waiting period
Terrorism Up to $50,000 lifetime maximum for eligible medical expenses only.
Sports & activities - Leisure, recreational, entertainment, or fitness Up to the overall maximum limit
Optional Intercollegiate, Interscholastic, Intramural, or Club Sports Rider Up to $3,000 maximum per injury or illness, medical expenses only

StudentSecure insurance

General definition of pre-existing condition:

"A condition a person has been diagnosed with, is being treated for, or has with reasonable medical certainty before the start of the plan". So a person does not need to know they have the condition for it to be considered pre-existing (a diagnosis is not required).

Acute onset of pre-existing condition*:

Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition.

The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:

  1. The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;
  2. Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;
  3. You must be under eighty (80) years of age;
  4. You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;
  5. You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;
  6. You must be traveling outside your home country
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StudentSecure Budget insurance - Common Questions

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.

Does StudentSecure Budget Insurance cover covid illness?

WorldTrips Covid19 travel insurance by StudentSecure Budget 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.

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 .

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.

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.

Is it possible to renew Student Secure Budget Insurance?

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

Does Student Secure Budget offer coverage for Maternity and new born care coverage

Student Secure Budget insurance offers Maternity care for covered pregnancy up to $5,000.It also offers Nursery care of new born up to $250.

Does Student Secure Budget insurance offer coverage for Team sports.

Student Secure Budget insurance offers up to $3,000 maximum for medical expenses for treatment of injuries while taking part in Intercollegiate, interscholastic, intramural, or club sports.

Will I lose Student Secure Budget 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.

How does Student Secure Budget insurance offer coverage for medical expenses?

Student Secure 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, Student Secure 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. Student Secure 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 Student Secure Budget insurance working example.

WorldTrips Insurance related coverage

WorldTrips Insurance related coverage

Provider network and how to find hospital or doctor?

WorldTrips maintains a wide network of health care providers.
Inside US:
  • If you have purchased the policy after July 2019 then click here
  • If you have purchased the policy before July 2019 then click here
First Health Care Provider NetworkUnited Healthcare Provider Network
Outside US: There is no preferred provider organization (PPO) outside the US. To find doctors and hospitals outside the US, then click here
Find Provider Network

WorldTrips resourceful travel insurance links