High School Study Abroad Medical Insurance

StudentSecure study abroad insurance

STUDENTSECURE®

International student insurance with a customized payment plan.

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In the excitement of preparing your high schooler to study abroad, you may feel a little anxious. This could be your child’s first time living away from home for a long period of time, or you may have some concerns regarding their chosen destination. In reality, you probably have a few looming “what if…” scenarios playing through your head:

  • What if my child becomes seriously ill and needs to be hospitalized?
  • What if my son or daughter has an accident playing an intramural sport?
  • What if my child is caught in the middle of a terrorist attack?

Whatever the case, one investment you can make to help protect your high schooler from the “what if’s” of their trip is study abroad medical insurance.

Why High School Study Abroad Health Insurance?

There are many reasons why your high schooler will need study abroad health insurance:

1. High school study abroad programs require students to possess health insurance.

Students can either register for a predetermined insurance plan or provide their own medical coverage via waiver form. Students planning to waive a program’s mandatory insurance plan have the opportunity to seek other coverage options that align closer to their budget expectations. However, alternative travel medical plans must comply with the program’s health insurance requirements.

2. A domestic policy may not cover your child internationally.

It’s vital to check if your current health insurance plan extends across international borders. If it doesn’t, you’ll need to start searching for a policy that does. Some key benefits to consider for a study abroad medical insurance plan include:

  • An Emergency Medical Evacuation benefit for potentially life-threatening illnesses or injuries incurred while studying abroad. This will cover costs associated with transporting your child from an emergency facility with insufficient care to the nearest hospital that can provide medically-necessary treatment.
  • A Sports and Activity benefit that can help reduce medical costs for treatment of covered injuries or illnesses resulting from a sanctioned intercollegiate, interscholastic, intramural, and club sports.
  • A Terrorism benefit in case your child sustains injuries and illnesses resulting from a covered act of terrorism, which would help reduce medical costs resulting from necessary treatment.

3. Your child will need a student visa in order to study abroad.

While many countries do not require visa applicants to have a medical insurance plan in order attain a visa, some may ask applicants to provide proof of subsistence for food, accommodations, and medical costs incurred during the trip. An international student health policy like StudentSecure® may help prove you could cover unexpected medical costs in your host country.  

4. High school study abroad medical insurance can reduce costs for covered medical expenses during the trip.

Anything can happen while your child is thousands of miles away. Study abroad health insurance can provide access to travel assistance services and quality medical care and coverage while your child studies abroad.

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What Type of Insurance is Right for My Child?

The insurance best fit for your child will depend on the amount of coverage you want as well as your budget. For example, an elite plan will have a higher premium, but will also provide a higher maximum coverage limit and a lower deductible. A more economical plan will have a lower cost, but have a higher deductible and lower overall maximum benefits.

StudentSecure offers four products, ranging from Elite to *(economical) to meet your child’s medical insurance needs.

Each plan meets J-1 visas insurance requirements, as well as the requirements of many schools.

StudentSecure Plans


StudentSecure Elite:

This plan provides the highest overall maximum medical benefit of $1,000,000, as well as the lowest deductible amount compared to the other StudentSecure products.

For claims incurred inside the PPO network within the U.S. or claims incurred outside the U.S.: Your child is covered for 100% of eligible expenses, after the deductible and up to the overall maximum limit.

For claims incurred outside the PPO network within the U.S.: Your child is covered for usual, resonable, and customary charges.


StudentSecure Select:

StudentSecure Select provides a $600,000 overall maximum per certificate period and a $300,000 Emergency Medical Evacuation Benefit.

For claims incurred inside the PPO network within the U.S.: Your child is covered for 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum limit.

For claims incurred outside the PPO network within the U.S.: Your child is covered for usual, reasonable, and customary charges.

For claims incurred outside the U.S.: Your child is covered for 100% of eligible expenses, after the deductible and up to the certificate period maximum.


StudentSecure Budget:

This budget-friendly plan features a $500,000 overall maximum coverage limit and a $250,000 Emergency Medical Evaluation benefit.

For claims incurred inside the PPO network within the U.S.: Your child is covered for 80% of the next $25,000 of eligible expenses after the deductible, then 100% to the overall maximum limit.

For claims incurred outside the PPO network within the U.S.: Your child is covered for usual, reasonable, and customary charges.

For claims incurred outside the U.S.: Your child is covered for 100% of eligible expenses, after the deductible and up to the certificate period maximum.


StudentSecure Smart:

StudentSecure Smart is designed for students searching for a more budget-friendly medical insurance plan. It provides a $200,000 overall maximum coverage limit and a $25,000 Emergency Medical Evacuation benefit.

For claims incurred inside the PPO network within the U.S.: Your child is covered for 80% of eligible expenses after the deductible, then 100% to the overall maximum limit.

For claims incurred outside the PPO network within the U.S.: Your child is covered for usual, reasonable, and customary charges.

For claims incurred outside the U.S.: Your child is covered for 100% of eligible expenses, after the deductible and up to the certificate period maximum.

*Note that StudentSecure Smart is the only StudentSecure plan that does not offer coverage for terrorism or intercollegiate, interscholastic, intramural, or club sports. Please see the Description of Coverage for the full benefits and exclusions of the policy.

Get a Free Quote

If your child needs international medical insurance, but you’re not ready to commit to a policy, you can get a free StudentSecure quote to help figure the costs. You’ll be able to save your quote for a later date you’re ready to purchase. 

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Resources for Your High Schooler

Before your child leaves for their study abroad adventure, make sure they check out these study abroad resources. They’ll gain a better understanding on how to prepare and what to expect while they’re in another country.

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Tokio Marine HCC - MIS Group international insurance products are underwritten by Lloyd’s, London. Tokio Marine HCC - Medical Insurance Services Group (MIS Group) is a service company and a member of the Tokio Marine HCC group of companies. Tokio Marine HCC - MIS Group 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.