StudentSecure Insurance
Travel Medical Insurance Plan for Students
StudentSecure offers four coverage tiers, allowing you to select the option that best suits your coverage and budgetary expectations. It features benefits such as multilingual travel assistance, intercollegiate and interscholastic sports coverage, vaccination coverage, mental health coverage, and much more.
The StudentSecure insurance plan from WorldTrips, formerly known as Tokio Marine HCC, provides travel medical insurance forinternational students,exchange participants, andvisiting scholars. StudentSecure is a comprehensive student travel medical insurance plan that satisfies school and government coverage requirements, including F-1 andJ-1 visa requirements in the USA.
StudentSecure offers four coverage tiers, allowing you to select the option that best suits your coverage and budgetary expectations. It features benefits such as multilingual travel assistance, intercollegiate and interscholastic sports coverage, vaccination coverage, mental health coverage, and much more.
WorldTrips StudentSecure Travel Health Coverage
Secure your health while studying abroad with trusted WorldTrips plans.
StudentSecure Insurance Highlights
Meets Student Visa Requirements
This plan meets the requirements for most visas, including the F-1, J-1 and M-1 visas in the USA.
Four Coverage Level Options
Choose from the Elite, Select, Budget or Smart level of coverage for a plan that fits your budget.
Medical Benefits
Includes prescription drug coverage, mental health, vaccination, maternity care, and more.
Sports Coverage
All plans include leisure and recreational sports coverage, plus coverage for intercollegiate and interscholastic sports on the Elite and Select plans.
Payment Options
Pay monthly, or pay for your entire plan at once for greater savings. Pay online, by fax or by mail.
Student Zone Online Portal
The Student Zone is a convenient online portal where you can file a claim, download proof of insurance for your visa, and more.
StudentSecure Benefits
StudentSecure Insurance from WorldTrips provides you the security of medical and travel protection when you are far away from home. If you have an accident while studying abroad, a StudentSecure plan will give you access to great medical care and protect you financially. If you are evacuated due to a medical issue, it will even cover the cost of transporting a loved one to be at your side while you are being treated.
Read thefull schedule of benefits on page 3 of the StudentSecure Travel insurance brochure.
Deductible, Overall Maximum Limit, and Coinsurance Options
| Elite | Select | Budget | Smart | |
|---|---|---|---|---|
| Certificate period maximum | $5,000,000 | $1,000,000 | $500,000 | $200,000 |
| Maximum benefit per injury or illness | $500,000 | $500,000 | $250,000 | $100,000 |
| Deductible (per injury or illness) | $0 | $0 | $0 | $0 |
| Coinsurance (Claims Incurred Inside the U.S.) | Within the PPO: We will pay 80% of the next $10,000 of eligible expenses after applicable copayments, then 100% to the overall maximum limit | Within the PPO: We will pay 80% of the next $25,000 of eligible expenses after applicable copayments, then 100% to the overall maximum limit | Within the PPO: We will pay 80% of the next $45,000 of eligible expenses after applicable copayments, then 100% to the overall maximum limit | Within the PPO: We will pay 80% of the next $100,000 of eligible expenses after applicable copayments, then 100% up to the overall maximum limit |
| Outside the PPO: Usual, reasonable, and customary (UCR)* charges for eligible expenses, up to the overall maximum limit. You may be responsible for any charges exceeding the payable amount. | ||||
| Coinsurance (Claims Incurred Outside the U.S.) | We will pay 100% of eligible expenses after applicable copayments, up to the overall maximum limit | |||
| *Usual, reasonable, & customary (UCR) Eligible expenses are subject to deductible, coinsurance, overall maximum limit, and are per certificate period unless specifically indicated otherwise. | ||||
Medical Benefits and Limits
| Hospital room & board | Average semi-private room rate, including nursing services | |||
| Local ambulance (not subject to coinsurance) | Up to $750 | Up to $500 | Up to $300 | |
| Intensive care unit | Up to the overall maximum limit | |||
| Outpatient treatment | Up to the overall maximum limit | |||
| Outpatient prescription drugs | Generic Drugs: 100% coinsurance; Brand Name Drugs: 50% coinsurance; Specialty Drugs: No coverage. (not subject to deductible) | 50% of actual charge (not subject to deductible or coinsurance) | ||
| Vaccinations | Up to $150. (Not subject to deductible or coinsurance.) | No coverage | ||
| Preventative Care | Up to $200 after 6 months of continuous coverage | No coverage | ||
| Mental health disorders (Treatment must not be provided at a student health center) | Physician Office Visit: Maximum of 40 visits Inpatient: Maximum of 40 days | Physician Office Visit: Maximum of 30 visits Inpatient: Maximum of 30 days | Physician Office Visit: $500 maximum Inpatient: Up to $5,000 (excludes drug abuse and alcohol abuse) | |
| Emergency Dental Treatment | Up to $500 Not subject to coinsurance | |||
| Pre-existing condition | 6-month waiting period | 12-month waiting period | No coverage | |
| Acute onset of pre-existing condition | $25,000 lifetime maximum for eligible expenses | |||
| Maternity care for a covered pregnancy | Up to $15,000 | Up to $10,000 | Up to $5,000 | No coverage |
| Nursery care of newborn (not subject to coinsurance) | Up to $750 | Up to $250 | No coverage | |
| Therapeutic termination of pregnancy | Up to $500. Not subject to coinsurance. | |||
| Outpatient Physical therapy & chiropractic care | Up to $75 per visit per day | Up to $50 per visit per day | Up to $25 per visit per day | |
| Sports & activities | Up to the overall maximum limit | |||
| Intercollegiate, interscholastic, intramural, or club sports | Up to $5,000 maximum per injury or illness; medical expenses only | No coverage | ||
| Terrorism | Up to $50,000 lifetime maximum. Eligible medical expenses only. | No coverage | ||
Emergency Travel Benefits and Limits
| Emergency medical evacuation. (Not subject to deductible or coinsurance). | Up to $300,000 lifetime maximum | Up to $300,000 lifetime maximum | Up to $250,000 lifetime maximum | Up to $50,000 lifetime maximum |
| Emergency reunion (not subject to deductible or coinsurance) | Up to $5,000, subject to a maximum of 15 days | Up to $1,000, subject to a maximum of 15 days | ||
| AD&D (not subject to deductible or coinsurance) | Lifetime Maximum: $25,000 Death: $25,000 Loss of 2 Limbs: $25,000 Loss of 1 Limb: $12,500 | No coverage | ||
| Repatriation of remains (not subject to deductible, coinsurance, or overall maximum limit) | Up to $50,000 lifetime maximum | Up to $25,000 lifetime maximum | ||
| Personal Liability (not subject to deductible or coinsurance) | Lifetime Maximum: $250,000 Third Person Injury: Up to $250,000 Third Person Property: Up to $250,000 Related Third Person Property: Up to $2,500 | No coverage | ||
WorldTrips StudentSecure Travel Health Coverage
Secure your health while studying abroad with trusted WorldTrips plans.
How Much Does a StudentSecure Plan Cost?
A StudentSecure plan starts at as little as $0.85 per day if you are seeking coverage outside of the USA, and $1.02 if you need coverage inside the USA. The cost of your plan depends on your age, how many days you will need coverage and the specific plan that you select.
Coverage Including the USA
Review the table below to review the daily rates for each age group and plan level.
| Age | ||||
|---|---|---|---|---|
| Participant Only | ||||
| Elite | Select | Budget | Smart | |
| Under 18 | $5.85 | $3.42 | $1.71 | $1.02 |
| 18-24 | $5.85 | $3.42 | $1.71 | $1.02 |
| 25-30 | $12.07 | $7.76 | $3.22 | $2.17 |
| 31-40 | $25.97 | $17.36 | $7.63 | $5.39 |
| 41-50 | $45.90 | $30.87 | $14.89 | $9.47 |
| 51-64 | $61.55 | $41.62 | $20.05 | $12.79 |
Rates are effective April 12, 2024.
Coverage Excluding the USA
Review the table below to review the daily rates for each age group and plan level.
| Age | ||||
|---|---|---|---|---|
| Participant Only | ||||
| Elite | Select | Budget | Smart | |
| Under 18 | $4.24 | $2.56 | $1.51 | $0.85 |
| 18-24 | $4.24 | $2.56 | $1.51 | $0.85 |
| 25-30 | $4.27 | $2.73 | $1.74 | $1.12 |
| 31-40 | $10.06 | $6.61 | $3.75 | $2.73 |
| 41-50 | $22.55 | $14.89 | $10.36 | $4.87 |
| 51-64 | $28.70 | $18.87 | $14.07 | $7.04 |
Rates are effective April 12, 2024.
WorldTrips StudentSecure Travel Health Coverage
Secure your health while studying abroad with trusted WorldTrips plans.
Eligibility Requirements for StudentSecure Insurance
To be eligible for StudentSecure Insurance, participants must meet all of the following requirements.
- Participants 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 U.S. holding a valid F-1 visa (including those students on OPT) and J-1 visa. Full-time status requirements remain in force for individuals holding M-1 or other visa categories.
- Participants must be residing outside their home country for the purpose of pursuing international educational activities.
- Participants must not have obtained residency status in the host country.
Participants visiting the U.S. must hold a valid education-related visa. A copy of the I-20 or DS-2019 may be requested.
StudentSecure FAQs
Does the StudentSecure plan cover maternity?
Yes, the StudentSecure plan covers maternity care, but the extent of coverage depends on the selected plan level:
- Elite: Up to $15,000 lifetime maximum
- Select: Up to $10,000 lifetime maximum
- Budget: Up to $5,000 lifetime maximum
- Smart: No coverage
In addition to maternity care, nursery care for newborns is also covered (if the delivery is covered) with the following limits:
- Elite and Select: Up to $750
- Budget: Up to $250
- Smart: No coverage
Please note that maternity care is only covered if the pregnancy beginsafter the effective date of the policy.
Are sports covered under StudentSecure?
Yes, StudentSecure covers medical expenses for injuries or illnesses sustained while participating in leisure, recreational, entertainment, or fitness activities, up to the overall maximum limit. For details on excluded sports and activities, please refer to the StudentSecure Description of Coverage.
Coverage for organized sports varies by plan:
- Elite and Select: Include up to $5,000 per injury or illness for intercollegiate, interscholastic, intramural, or club sports.
- Budget and Smart: Do not provide coverage for intercollegiate, interscholastic, intramural, or club sports.
Be sure to check the plan details to find the right fit for your needs.
Does the StudentSecure plan have dental or vision coverage?
The StudentSecure plan does not provide any coverage for vision. Accidental dental is covered if you suffer an accident to your teeth and need to have dental surgery with coverage of $250 per tooth up to a maximum of $500 on all plans. Regular dental check-ups or visits are not covered. However if you do have unexpected dental pain the plan will pay $100 towards expenses for treatment for this pain. If you require a more comprehensive dental insurance plan, please see our dental plans.
What does Usual Reasonable and Customary (URC) mean?
Usual Reasonable and Customary is a term that insurance companies use to describe a limitation on their responsibility to pay for eligible medical expenses. Basically, URC refers to the fee typically charged by a provider for a specific procedure in a specific geographic area. So if a particular procedure typically costs $5,000 in the New York City area, and most providers customarily charge about $5,000 for that procedure, the insurance company will not pay your provider in New York City $10,000 for the same exact procedure. Instead, they will limit their payment amount to “Usual Reasonable and Customary” – in this example, $5,000.
Will I get home country coverage through StudentSecure?
For every three months of coverage, the StudentSecure provides you with coverage for up to 15 days for medical expenses if you return to your home country for an incidental visit. To receive the benefit, once you have arrived home, you must return abroad within 15 days – either to the host country or another country en route to your host country. Please also note that the return to your home country cannot be taken for the purpose of receiving medical treatment for an injury or illness that began when you were abroad. This coverage does not roll over; for each three-month period you have 15 days of home country coverage
What providers or places accept StudentSecure?
You are free to visit any provider or facility you would like when seeking treatment under the StudentSecure plan. However, within the USA, you will see cost savings if you visit:
- Student Health Center – most schools offer a student health center which should be your first option in seeking treatment
- Your Preferred Provider Organization (PPO) network – WorldTrips will give you information about the preferred network, which will accept the StudentSecure Insurance plan
When visiting the Student Health Center and PPO Network your insurance payments will be less, as per the full table of benefits.
How are claims paid?
Claims will be paid depending on where you are located and where you seek treatment:
- In-network while inside the USA – When you visit a provider that is part of the plan network your insurance bill is typically paid directly, without the need for an insurance claim form. This setup will depend on the particular provider you go to. You will need to ask the provider before you seek treatment.
- Out-of-network while inside the USA – When you visit a provider that is outside the network, you will need to pay for all services upfront and then submit a claim form for reimbursement.
- Outside the USA – When visiting a provider around the world, please pay for the services upfront and then submit a claim form for reimbursement.
If you have a planned hospitalization are hospitalized for an emergency, call the 24-hour emergency assistance number located on the back of your insurance ID card. WorldTrips customer service will assist you with settling the hospital bills.
Who underwrites the StudentSecure plan?
Lloyd’s, the largest and oldest insurance market in the world, is the insurer of StudentSecure. Rated A (Excellent) by AM Best Company and ‘A+’ (Strong) by Standard and Poor’s, Lloyd’s provides financial strength and security that is unparalleled in the worldwide insurance market and is recognized as a market leader in the accident and health insurance arena for its stability, innovative products and services. Presently, Lloyd’s provides accident and health insurance to millions of individuals in almost every country of the world.
Where does StudentSecure cover me?
The StudentSecure plan will cover you as an international student or study abroad student anywhere in the world, as long as you are outside of your home country.
Am I eligible to apply for a StudentSecure plan?
If you are a student in the USA on an F-1 or J-1 visa, you are automatically eligible for StudentSecure Insurance. Outside of those visa categories, or if you are using the plan anywhere in the world, you need to be a full-time student or scholar, or within 31 days of being a full-time student. You also must not have residency status in your host country.
Will the StudentSecure plan work for me while on OPT/CPT?
Yes, students on OPT or CPT are eligible for the StudentSecure, even while on post-completion OPT, as long as you maintain valid F-1 status.
Does the StudentSecure Travel insurance plan work for scholars?
Full-time Scholars who are outside their home country and affiliated with an educational institution and performing work or research for at least 30 hours per week are eligible for the StudentSecure plan. These activities may include but not be limited to performing research in an area of specialty or teaching for a temporary period of time. This requirement is waived for participants within the US holding a valid F-1 visa.
When can I purchase StudentSecure online?
You can purchase your plan six months in advance of when you would like your policy to begin. The first premium will be charged immediately upon applying to the policy. If you pay monthly, the first premium will be charged when you apply and the second premium will be charged one month after your plan has begun.
Will I get my StudentSecure documents immediately?
Yes, when you apply online through our website and make sure the “online fulfillment” option is selected, WorldTrips will send all your documents to you immediately via email. You will then need to download these documents, print them off and show them as proof of coverage. Also, within a few hours of applying online, your account will be available through theStudent Zone, so you can log in and access all your documents again anytime you need.
When will my StudentSecure Travel insurance plan begin?
You can apply for StudentSecure insurance coverage to start from today’s date or any date in the future. Just select your date on the application form.
What is a Beneficiary?
The StudentSecure Elite and Select plans include benefits that provide payments in the event you should pass away while covered under the plan. The beneficiary is the person who you designate to receive these funds should this happen. Typically you would name your mother, father, brother, sister or husband or wife as a beneficiary. However, you can put any name you wish to be your beneficiary, including your estate.
Can I extend or renew my insurance plan?
After your initial purchase, you may extend your coverage through the Student Zone on the WorldTrips site.
You can renew your plan within the last 6 months of a 12-month Certificate Period. Deductible and Coinsurance must be re-satisfied as of each renewal date.
Extensions and renewals must be made online with payment by credit card. For additional information on extending or renewing your plan, please visit theStudent Zone.
Can I cancel my StudentSecure Travel insurance plan?
To be eligible for a full refund, the request for cancellation must be received prior to the effective date. Cancellation requests received after the effective date will be subject to the following conditions:
A $25 cancellation fee will apply.
Only the unused full months of the plan cost will be refunded.
Only members who have no claims are eligible for a premium refund.
After 60 days, no refunds are granted.
If you have only purchased 1 month's coverage and cancel within that month, no refund will be due.
Is StudentSecure Insurance a PPO?
StudentSecure Insurance from WorldTrips offers the option of using a Preferred Provider Organization (PPO) network in the United States. Subscribers in the US who use a PPO will find a reduction in cost.
