Discover how the StudentSecure Insurance plan helps international students meet F-1 and J-1 visa requirements with flexible coverage and essential health benefits.
The StudentSecure Insurance Plan from WorldTrips provides travel medical insurance for international students, exchange participants, and visiting scholars. StudentSecure is a comprehensive student travel medical insurance plan that meets school and government coverage requirements, including those for F-1 and J-1 visa holders.
StudentSecure offers four coverage tiers, allowing you to select the option that best suits your coverage and budgetary expectations. It provides benefits such as multilingual travel assistance, coverage for intercollegiate and interscholastic sports, vaccinations, mental health services, and more.
StudentSecure Travel Health Coverage
Secure your health while studying abroad with trusted WorldTrips plans.
This plan meets the requirements for most visas, including the F-1, J-1, and M-1 visas in the USA.
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Four Coverage Level Options
Choose from the Elite, Select, Budget, or Smart level of coverage to find a plan that suits your budget.
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Medical Benefits
Includes prescription drug coverage, mental health, vaccination, maternity care, and more.
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Sports Coverage
All plans include coverage for leisure and recreational sports, as well as intercollegiate and interscholastic sports on the Elite and Select plans.
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Payment Options
Pay monthly or pay for your entire plan upfront for greater savings. Pay online, by fax, or by mail.
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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 Schedule of Benefits
The StudentSecure Insurance plan provides you with 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 provide you with access to excellent medical care and offer financial protection. If you are evacuated due to a medical issue, it will even cover the cost of transporting a loved one to be with you while you receive treatment.
Benefit
Elite
Select
Budget
Smart
Overall Maximum Limit
$5,000,000
$1,000,000
$500,000
$200,000
Maximum per Injury or Illness
$500,000
$500,000
$250,000
$100,000
Deductible
$0
$0
$0
$0
Local Ambulance
Up to $750 per injury or illness
Only when covered injury or illness results in inpatient hospitalization
Up to $500 per injury or illness
Only when covered injury or illness results in inpatient hospitalization
Up to $300 per injury or illness
Only when covered injury or illness results in inpatient hospitalization
Intensive Care Unit
Up to the overall maximum limit
Outpatient Treatment
Up to the overall maximum limit
Preventive Care
Up to $200 after 6 months of continuous coverage
No coverage
No coverage
Mental Health Disorders
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: Maximum of 30 visits
Physician Office Visit: $500 maximum
Inpatient: Up to $5,000 (excludes substance abuse)
Pre-Existing Condition
6-month waiting period
12-month waiting period
No coverage
Maternity Care for a Covered Pregnancy
Up to $15,000 lifetime maximum
Up to $10,000 lifetime maximum
Up to $5,000 lifetime maximum
No coverage
Sports and Activities
Up to the overall maximum limit
Emergency Medical Evacuation
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
Up to $50,000 lifetime maximum
Up to $25,000 lifetime maximum
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, the duration of coverage you need, and the specific plan you select.
Coverage Including the USA
Review the table below to review the daily rates for each age group and plan level.
Maximum Limit
Elite
$5,000,000
Select
$1,000,000
Budget
$500,000
Smart
$200,000
Under 18 years
$5.85
$3.42
$1.71
$1.02
18-24 years
$5.85
$3.42
$1.71
$1.02
25-30 years
$12.07
$7.76
$3.22
$2.17
31-40 years
$25.97
$17.36
$7.63
$5.39
41-50 years
$45.90
$30.87
$14.89
$9.47
51-64 years
$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.
Maximum Limit
Elite
$5,000,000
Select
$1,000,000
Budget
$500,000
Smart
$200,000
Under 18 years
$4.24
$2.56
$1.51
$0.85
18-24 years
$4.24
$2.56
$1.51
$0.85
25-30 years
$4.27
$2.73
$1.74
$1.12
31-40 years
$10.06
$6.61
$3.75
$2.73
41-50 years
$22.55
$14.89
$10.36
$4.87
51-64 years
$28.70
$18.87
$14.07
$7.04
Rates are effective April 12, 2024.
StudentSecure Travel Health Coverage
Secure your health while studying abroad with trusted WorldTrips plans.
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. who hold a valid F-1 visa (including those students on OPT) and a J-1 visa. Full-time status requirements remain in effect for individuals having an M-1 or other visa category.
Participants must be residing outside their home country to pursue international educational activities.
Participants must not have obtained residency status in the host country.
Participants visiting the U.S. must hold a valid visa for educational purposes. A copy of the I-20 or DS-2019 may be requested.
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 begins after the effective date of the policy.
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.
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.
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
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.
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.
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 the Student Zone, so you can log in and access all your documents again anytime you need.
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.
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