picture of the university of toronto

Student
Secure®
Smart
Insurance

StudentSecure Smart

is designed for international students seeking:

  • Lower coverage limits in exchange for a lower premium
  • Coverage that meets J-1 visa requirements for the U.S.
  • Important medical benefits, including some Outpatient Drug coverage and some Mental Health coverage


INTERNATIONAL STUDENT HEALTH INSURANCE FOR STUDY ABROAD STUDENTS


StudentSecure Smart offers international students the lowest premium of the StudentSecure plans. This coverage is available to budget-conscious international students and scholars who are studying outside of their home country full time.



International Student Health

Insurance Benefits

  • StudentSecure®
    Smart
    Insurance
  • Policy
    Documentation
  • Insurance
    Exclusions

A StudentSecure plan can reduce your personal expenses if you face an unexpected injury or
illness throughout the course of your international studies. StudentSecure Smart offers lower coverage limits in exchange for the lowest premium of the StudentSecure plans.

 

As a StudentSecure policyholder, you'll have access
to multilingual travel assistance services and our Member Portal, where you can download your visa letter, renew your coverage as needed, and manage your policy online.

Highlights:

  • Up to $200,000 of Overall Maximum coverage
  • Medical benefits such as Hospital Room & Board, Intensive Care Unit, and Local Ambulance
  • Some Outpatient Prescription Drug coverage and Mental Health coverage
  • Monthly payment option (or savings for paying the full premium in advance)
Plan Details
StudentSecure Smart

Savings for Paying Full Premium in Advance


Meets J-1 Visa Requirements


Overall Maximum Benefit

$200,000


Maximum Benefit Per Injury or Illness

$100,000


Deductible

$0


Emergency Room Copayment
(Claims Incurred in the U.S. Only)

$350 for the emergency room facility fee for treatment received in an emergency room


Physician Office Visit Copayment

$75 per visit within the PPO network or outside the U.S.; otherwise, $150 per visit


Urgent Care Copayment

$100 per visit within the PPO network or outside the U.S.; otherwise, $200 per visit


Student Health Center Copayment

$25 per visit


Hospital Copayment - Inpatient and Outpatient

$200 per visit within the PPO network or outside the U.S.; otherwise, $400 per visit


Coinsurance - Claims Incurred Inside the U.S.

In-Network Payment

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

Out-of-Network Payment

Outside the PPO: Usual, reasonable, and customary 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


Eligible expenses are subject to applicable copayments, coinsurance, overall maximum limit, and are per certificate period unless specifically indicated otherwise.

Medical Benefit
StudentSecure Smart Limit

*Pre-Existing Condition Coverage

No coverage


**Acute Onset of Pre-Existing Condition

 

(see benefit description below)

$25,000 lifetime maximum for eligible expenses


Intensive Care Unit

Up to the overall maximum limit


Hospital Room & Board

Average semi-private room rate, including nursing services


Outpatient Treatment

Up to the overall maximum limit


Local Ambulance

 

(not subject to coinsurance)

Up to $300 maximum per injury or illness only when covered illness or injury results in hospitalization as inpatient


Outpatient Prescription Drugs

 

(not subject to coinsurance)

50% of actual charges


Vaccinations

No coverage


Preventative Care

No coverage


Maternity Care for Covered Pregnancy

No coverage


Nursery Care of Newborn

No coverage


Sports & Activities - Leisure, Recreational, Entertainment, Or Fitness

Up to the overall maximum limit


Intercollegiate, Interscholastic, Intramural, or Club Sports

No coverage


Mental Health Disorders

 

(treatment must not be provided at a student health center)

Physician Office Visit: $500 maximum

Inpatient: Up to $5,000

 

(excludes drug abuse and alcohol abuse)


Outpatient Physical Therapy & Chiropractic Care

 

(not subject to coinsurance)

(must be ordered in advance by a physician and not obtained at a student health center)

Up to $25 per visit per day


Emergency Dental Treatment

 

(not subject to coinsurance)

Up to $500


Terrorism

No coverage


All Other Eligible Medical Expenses

Up to the overall maximum limit

Emergency Travel Benefit
StudentSecure Smart Limit

Emergency Medical Evacuation

 

(not subject to coinsurance or overall maximum limit)

Up to $50,000 lifetime maximum


Repatriation of Remains

 

(not subject to coinsurance or overall maximum limit)

Up to $25,000 lifetime maximum


Accidental Death and Dismemberment (AD&D)

(not subject to coinsurance or overall maximum limit)

No coverage


Emergency Reunion

 

(not subject to coinsurance or overall maximum limit)

Up to $1,000, subject to a maximum of 15 days


Personal Liability

(not subject to coinsurance or overall maximum limit)

No coverage


Optional Crisis Response Rider - Ransom, Personal Belongings, and Crisis Response Fees and Expenses

 

(not subject to coinsurance or overall maximum limit)

No coverage


*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.

**An 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 a 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 apply only if, at the time of the acute onset of a pre-existing condition, all of the following conditions are met:

a) The acute onset of a pre-existing condition does not directly or indirectly relate to a chronic condition or congenital condition; and

b) Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence; and

c) 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; and

d) You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition; and

e) You must be traveling outside your home country

Certain types of medical expenses are excluded from coverage under StudentSecure Smart insurance. Some exclusions are listed here. Refer to the Description of Coverage for the complete list of exclusions.

  • Pre-existing conditions are excluded throughout the coverage under StudentSecure Smart, except for 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.

  • Vaccinations, routine physical exams, and other diagnostic labs, x-rays, and procedures for screening or preventative purposes
  • Routine prenatal care, pregnancy, childbirth, and postnatal care unless directly related to diagnostic testing related to a covered injury or illness
  • Medical expenses for injury or illness resulting from participation in specifically excluded extreme sports (see Description of Coverage for full list of excluded sports).


coastal Mediterranean town

Why Do I Need

International Student Health Insurance?

There are several reasons to consider an international student health 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 oftentimes 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 [email protected]. 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. International student health insurance like StudentSecure can provide travel assistance and help mitigate unexpected medical costs.


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WorldTrips international travel medical insurance products are underwritten by Lloyd's. WorldTrips is a service company and a member of the Tokio Marine HCC group of companies. WorldTrips has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency, Ltd.