International Student Insurance – StudentSecure Smart Plan

StudentSecure Smart Plan

Be sure to check international student insurance off your to-do list as you prepare for your study abroad adventure. The StudentSecure Smart plan from WorldTrips is international student medical insurance designed for full-time students and scholars on a budget.

Here are some highlights:

  • $0 deductible
  • Lower coverage limits in exchange for a lower cost
  • Monthly payment option or savings for paying in full
  • Coverage that meets U.S. J-1 visa requirements

Discover the Benefits of StudentSecure Smart International Student Medical Insurance

Plan Details
Savings for Paying Full Premium in Advance Yes

Savings for Paying Full Premium in Advance

Yes
Meets J-1 Visa Requirements Yes

Meets J-1 Visa Requirements

Yes
Overall Maximum Benefit $200,000

Overall Maximum Benefit

$200,000
Maximum Benefit Per Injury or Illness $100,000

Maximum Benefit Per Injury or Illness

$100,000
Deductible $0

Deductible

$0
Travel Assistance Services

StudentSecure customers have access to travel and medical assistance 365 days a year. Emergency assistance is available 24/7.

Services include:

  • Provider, embassy, and legal referrals
  • Translations and interpretations
  • Help obtaining replacements for lost travel documents

See all available services.

Travel Assistance Services

StudentSecure customers have access to travel and medical assistance 365 days a year. Emergency assistance is available 24/7.

Services include:

  • Provider, embassy, and legal referrals
  • Translations and interpretations
  • Help obtaining replacements for lost travel documents

See all available services.

Policy Documents Click here to view your policy documents.

Policy Documents

Eligible expenses are subject to deductible, overall maximum limit, and are per certificate period unless specifically indicated otherwise.
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Why International Student Insurance Is a SMART Idea

Study abroad trips are often the first time that high school and college students are away from home for an extended period. StudentSecure Smart international student insurance can help alleviate your concerns about the cost of unexpected medical expenses as you study abroad.

You can focus on learning and experiencing everything your host country has to offer, and your mom and dad can stop worrying about you having to navigate a foreign healthcare system without assistance.

WorldTrips’ Smart Plan Is Designed to:

  • Ensure you meet your visa or school requirements. Be sure to compare our Smart plan to any requirements from your program or university. The StudentSecure international student insurance Smart plan satisfies requirements for most visas (including the J-1 visa) and provides a visa letter you can use as proof of coverage.

  • Help you stick to your budget. StudentSecure Smart is the least expensive of the StudentSecure plans and may help you meet your needs on a tighter budget. You can also save by paying for your policy in full.

  • Guide you through the unexpected. Your international student insurance plan comes with travel assistance services available 365 days a year. Give us a call if you need a referral for a doctor, hospital, or pharmacy or support navigating a crisis.

Quick Comparison: Make Sure StudentSecure Smart Is the Right Plan for You

Features & Benefits Elite Select Budget Smart
Meets J-1 Visa Requirements
Savings for Paying in Full
Overall Maximum $5,000,000 $1,000,000 $500,000 $200,000
Maximum Per Injury or Illness $500,000 $500,000 $250,000 $100,000
Mental Health Disorders
Outpatient Prescription Drugs
Preventative Care Up to $200 after 6 months of continuous coverage
Vaccinations
Personal Liability
Pre-Existing Conditions After 6 months After 6 months After 12 months
Elite Select Budget Smart
Features & Benefits
Meets J-1 Visa Requirements
Savings for Paying in Full
Overall Maximum
$5,000,000 $1,000,000 $500,000 $200,000
Maximum Per Injury or Illness
$500,000 $500,000 $250,000 $100,000
Mental Health Disorders
Outpatient Prescription Drugs
Preventative Care
Up to $200 after 6 months of continuous coverage
Vaccinations
Personal Liability
Pre-Existing Conditions
After 6 months After 6 months After 12 months

Study Abroad With WorldTrips Insurance

WorldTrips has been providing insurance to study abroad students since 1998. Our international student insurance plans provide important coverage for unexpected injuries and illnesses—plus access to a multilingual team of customer support representatives who can hep you find a doctor or hospital, arrange for translation assistance, and more.

We’ve been featured in numerous national publications, including travel magazines like Condé Nast Traveler and leading websites in the business news circuit like CNBC and USA Today. Global platform Forbes Advisor even listed us as a “best travel insurance company” for 2024.

Don't let unexpected medical costs or emergencies derail your study abroad experience—choose international student medical insurance from a trusted travel insurance company like WorldTrips so you can study abroad with confidence.

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“WorldTrips is the best travel insurance company of 2024, based on our analysis of cost and coverage options.” 

How International Student Insurance Works in Action

  • You’re exploring your host city with some classmates when excruciating stomach pain sends you to the hospital. It turns out to be a sudden case of appendicitis requiring surgery.

Thankfully, your StudentSecure Smart international student insurance plan provides up to $200,000 of coverage for eligible medical expenses resulting from unexpected injuries and illnesses. These covered expenses could include your hospital room and board, diagnostic testing, physician charges, nursing services, surgical expenses, and more.

  • You’re playing a recreational game of soccer outside your dorm when you fall and chip some teeth.

Your StudentSecure Smart plan includes an Emergency Dental Treatment benefit that covers up to $500 of emergency dental treatment necessary to resolve pain or restore or replace natural teeth lost or damaged in a covered accident.

  • You fall and break your leg while hiking during a student trip. Following a necessary surgical procedure, you surgeon prescribes outpatient physical therapy to facilitate a full recovery.

Your StudentSecure Smart international student insurance will provide up to $200,000 of coverage for eligible medical expenses resulting from your hospital stay, surgery, and more.

Your plan also includes an Outpatient Physical Therapy & Chiropractic Care benefit that will cover up to $25 per visit for eligible outpatient physical therapy. Note that physical therapy must be ordered in advance by a physician and must not be obtained at a student health center.

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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.