A StudentSecure plan can reduce your personal expenses if you face an unexpected injury or
illness throughout the course of your international studies. All four plans include multilingual travel assistance services and access to our
Member Portal, where you can download your visa letter, renew your coverage as needed, and
manage your policy online.
StudentSecure®
International
Student
Insurance
StudentSecure
is designed for international students seeking:
- Coverage that meets or exceeds most government and visa requirements including J-1 visa requirements
- Coverage that meets the requirements of many programs and schools at a budget-friendly rate
- Important medical benefits, including some Outpatient Prescription Drug coverage and some Mental Health coverage
International Student Health Insurance for Study Abroad Students
StudentSecure is international student health insurance for full-time students and scholars studying outside of their home country. The StudentSecure series offers four levels of coverage – Elite, Select, Budget, and Smart – so you can choose the international student insurance plan that best fits your needs and budget.
International Student Health
Insurance Benefits
-
StudentSecure
Insurance -
Policy
Documentation -
Insurance
Exclusions
Highlights:
- Meets J-1 visa requirements
- Medical benefits such as Hospital Room & Board, Intensive Care Unit, and Local Ambulance included
- Coverage for leisure sports and activities included, as well as some outpatient prescription drug coverage and mental health coverage
- Monthly payment option (or savings for paying the full premium in advance)
Plan Details
Elite
Select
Budget
Smart
Savings for Paying Full Premium in Advance
✓
✓
✓
✓
Meets J-1 Visa Requirements ✓
✓
✓
✓
Overall Maximum Benefit
$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
$0
Emergency Room Copayment
(claims incurred in the
U.S. only)
$100 for the emergency room facility fee for treatment received in an emergency room
$200 for the emergency room facility fee for treatment in an emergency room
$350 for the emergency room facility fee for treatment received in an emergency room
Physician Office Visit Copayment
$20 per visit within the PPO network or outside the U.S.; otherwise, $40 per visit
$50 per visit within the PPO network or outside the U.S.; otherwise, $100 per visit
$75 per visit within the PPO network or outside the U.S.; otherwise, $150 per visit
Urgent Care Copayment
$30 per visit within the PPO network or outside the U.S.; otherwise, $60 per visit
$50 per visit within the PPO network outside the U.S.; otherwise, $100 per visit
$75 per visit within the PPO network outside the U.S.; otherwise, $150 per visit
$100 per visit within the PPO network or outside the U.S.; otherwise, $200 per visit
Student Health Copayment
(claims incurred in the
U.S. only)
$10 per visit
$25 per visit
Hospital Copayment - Inpatient and Outpatient
$75 per visit within the PPO network or outside the U.S.; otherwise, $150 per visit
$100 per visit within the PPO network or outside the U.S.; otherwise, $200 per visit
$150 per visit within the PPO network or outside the U.S.; otherwise, $300 per visit
$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 $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
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
Elite Limit
Select Limit
Budget Limit
Smart Limit
*Pre-Existing Condition Coverage
6-month waiting period
12-month waiting period
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 $750 per injury / illness only when covered illness / injury results in hospitalization as inpatient
Up to $500 per injury / illness only when covered illness / injury results in hospitalization as inpatient
Up to $300 per injury / illness only when covered illness / injury results in hospitalization as inpatient
Outpatient Prescription Drugs
Generic Drugs: 100% coinsurance
Brand Name Drugs: 50% coinsurance
Specialty Drugs: No coverage
Oral Contraceptives: 50% coinsurance
50% of actual charges (not subject to coinsurance)
Vaccinations
(not subject to coinsurance)
Up to $150
Covered vaccinations and testing are:
- Measles/Mumps/Rubella (MMR)
- Tetanus/Diphtheria/Pertussis (TDAP)
- Chicken Pox (Varicella)
- Hepatitis B
- Meningitis (Meningococcal MCV4 and B)
- COVID-19 / SARS-CoV-2
- Any vaccine required by your school program with documentation
No coverage
Preventative Care
Up to $200 after 6 months of continuous coverage
No coverage
Maternity Care for Covered Pregnancy
Up to $15,000 lifetime maximum
Up to $10,000 lifetime maximum
Up to $5,000 lifetime maximum
No coverage
Nursery Care of Newborn
(not subject to coinsurance)
Up to $750
Up to $250
No coverage
Sports & Activities -
Leisure, Recreational, Entertainment, or Fitness
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
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)
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 $75 per visit per day
Up to $50 per visit per day
Up to $25 per visit per day
Emergency Dental Treatment
(not subject to coinsurance)
Up to $500
Terrorism
Up to $50,000 lifetime maximum, eligible medical expenses only
No Coverage
All Other Eligible Medical Expenses
Up to the overall maximum limit
Emergency
Travel Benefit
Travel Benefit
Elite Limit
Select Limit
Budget Limit
Smart Limit
Emergency Medical Evacuation
(not subject to coinsurance or overall maximum limit)
Up to $300,000 lifetime maximum
Up to $300,000 lifetime maximum
Up to $250,000 lifetime maximum
Up to $50,000 lifetime maximum
Repatriation of Remains
(not subject to coinsurance or overall maximum limit)
Up to $50,000 lifetime maximum
Up to $25,000 lifetime maximum
Accidental Death and Dismemberment (AD&D)
(not subject to coinsurance or overall maximum limit)
Lifetime Maximum - $25,000
Death - $25,000
Loss of 2 Limbs - $25,000
Loss of 1 Limb - $12,500
Optional AD&D Rider: Additional $25,000 lifetime maximum
No coverage
Emergency Reunion
(not subject to coinsurance or overall maximum limit)
Up to $5,000, subject to a maximum of 15 days
Up to $1,000, subject to a maximum of 15 days
Personal Liability
(not subject to coinsurance or overall maximum limit)
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
Optional Crisis Response Rider - Ransom, Personal Belongings, and Crisis Response Fees and Expenses
(not subject to coinsurance or overall maximum limit)
Up to $100,000
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 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 and Preventative Care benefits
- Routine prenatal care, pregnancy, childbirth, and postnatal care, unless directly related to a covered pregnancy or 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).
Why Do I Need
International Student Health Insurance?
There are several reasons to consider an international student insurance 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.