Studying in a different country for your undergraduate, masters, or doctorate program can often span multiple months and many countries. Student travel insurance can provide you with medical coverage away from home. WorldTrips offers StudentSecure®, an international student medical insurance plan with four levels of coverage that can offer various benefit levels for your travel plans.

StudentSecure Is 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

Reasons You Might Need Student Travel Insurance

1. Your School or Program May Require Student Travel Insurance

It is very likely that your domestic health insurance plan does not cover international travel. This is why many study abroad programs and schools require participants to purchase student travel health insurance before they depart.

2. Certain Visas Require International Student Health Insurance Coverage

Most countries require incoming students to possess a visa for study abroad, and some visas require study abroad insurance that meets specific requirements. One such visa is the J-1 visa for incoming exchange students to the USA.

3. Accidents and Illnesses Can Happen Unexpectedly

When you travel abroad, you may be engaging in unfamiliar activities, trying new foods, and adjusting to a new time zone – all of which could make you more susceptible to illness or injury.

Unanticipated medical treatment while traveling abroad can result in significant medical expenses. Student travel health insurance can provide you with coverage for eligible expenses and access to quality medical care, so you could have less worry about costly medical expenses.

4. Additional Travel Assistance Services Included With Student Travel Insurance

WorldTrips’ StudentSecure plans go beyond travel health insurance services. If you’ve lost your passport or you’re in need of translation assistance or provider referrals, reach out to our World Service Center. Our travel assistance services are available to our international student insurance policyholders 365 days a year, for various languages and any time zone. Emergency assistance is available 24/7.

How to Choose the Best Student Travel Insurance Policy

There are many student travel health insurance policies available, but benefits, coverage limits, and prices vary. Be sure to weigh your options carefully and get a quote before you choose.

Investigate the Student Travel Insurance Provider

When comparing international student insurance policies, you’ll first need to decide which travel insurance company you want to insure you. For over 25 years, WorldTrips has been providing travel insurance coverage to travelers all over the world. Students have trusted WorldTrips to allow them to travel fearlessly outside of their home countries.

Forbes, CNN Underscored, USA Today and more have praised WorldTrips for our quality of service and dependability. See for yourself why so many customers have relied on WorldTrips for all their travel medical insurance needs.

CNN Editors' Pick 2023

"Of the top eight travel insurance companies in our review, WorldTrips’ underwriting company is the only one to have an A++ (Superior) financial strength rating from AM Best."


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

Does the Student Travel Insurance Plan Align With Your Budget?

Full-time students are often conscious of their spending habits, and travel medical insurance is something that may be considered a gratuitous expense. WorldTrips has four StudentSecure plans available for customers to choose from. All of them include 24/7 emergency travel assistance services and meet J-1 and Schengen visa requirements.

StudentSecure Elite

With a maximum medical benefit of $5,000,000, this plan offers the highest maximum coverage amounts, the lowest copayment amounts and coinsurance out-of-pocket expenses, and *pre-existing condition coverage after the policy is in effect for 6 months.

StudentSecure Select

This plan offers $1,000,000 in maximum medical coverage, lower copayment amounts and coinsurance out-of-pocket expenses, and *pre-existing condition coverage after the policy is in effect for 6 months.

StudentSecure Budget

Offering a maximum medical benefit of $500,000, this plan provides mid-level benefits, more cost-sharing through higher copayment amounts and coinsurance out-of-pocket expenses, and *pre-existing condition coverage after the policy is in effect for 12 months.

StudentSecure Smart

Designed for students with a more limited budget, this plan offers a $200,000 maximum medical benefit, the highest cost-sharing through copayment amounts and coinsurance out-of-pocket expenses, and the lowest premium. Pre-existing condition coverage is offered only for the **acute onset of a pre-existing condition.

Does the Student Travel Insurance Plan Meet My School or Program’s Requirements?

Many universities offer their own student health plans, though your university may allow you to waive its school-sponsored coverage if you can provide proof of coverage that still meets health plan requirements. To meet J-1 visa requirements for incoming exchange students to the USA, your student travel medical insurance plan must meet the following criteria:

  • Medical benefits of at least $100,000 per accident or illness
  • Repatriation of remains in the amount of at least $25,000
  • Expenses associated with the medical evacuation and the return of the exchange visitor to his or her home country in the amount of at least $50,000
  • A deductible not to exceed $500 per accident or illness

All StudentSecure® plans from WorldTrips meet J-1 visa requirements – as well as the requirements of many schools. Plus, when you purchase a StudentSecure travel medical plan, you will have access to your visa letter and insurance ID card as proof of coverage, and a student waiver form can be completed and sent to your university.

Will My Student Travel Insurance Plan Help Me Find Medical Care?

A quality international student health insurance plan should provide access to travel assistance services or an emergency hotline that can direct you to a local medical facility and help you find a doctor in your area. Our assistance services can also help you find a consulate or legal professional, assist you with lost or stolen travel documents, and more.


Get a Quote for Student Travel Insurance From WorldTrips Today

Experiencing life in a new country is a very exciting experience. While you may have a lot of things to prepare for, make sure that getting a quote for student travel health insurance is one of them. If you have any questions about any of our StudentSecure plans, our friendly team is available to assist you.

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*Pre-existing condition means 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 twelve (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.

**The 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 only apply if 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


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.