When it comes to studying abroad, there’s a lot you have to do to prepare, like obtaining your passport and visa, making your living and travel arrangements, and scheduling your classes. But in all the chaos of planning, there’s one item you shouldn't overlook: study abroad health insurance.

 

4 Reasons to Consider Study Abroad Health Insurance

 

1. Your School or Program May Require You to Have It

You likely have domestic health insurance that covers you in your home country, but oftentimes these home country plans do not cover international travel. That’s why many study abroad programs and schools require participants to purchase international student health insurance prior to departure.

Universities could 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 its health plan requirements.

2. It May Be Required for Your Visa

Most countries require incoming students to possess a visa for study abroad, and some visas require study abroad student health 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 – and Even Food Poisoning or a Sprained Ankle Could Require Medical Attention

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. An international student health plan can help provide you coverage for eligible expenses and access to quality medical care when you need it most.

4. Study Abroad Insurance Can Provide Assistance When You Don’t Know Where to Turn

 Say you’re experiencing a health issue and you need to see a doctor, but you’re unfamiliar with the healthcare system in your host country and don’t know where to go. Or you’ve lost your passport and you aren’t sure how to replace it. Some student health policies (like the StudentSecure® plans from WorldTrips) include multilingual travel assistance services to help you out in situations like these.

 

How to Choose the Best Study Abroad Health Insurance Policy

Before you settle on a student health policy for your study abroad experience, ask yourself:

1. Did I Check with My Domestic Insurance Provider to See Whether or Not I Have Health Coverage Outside of My Home Country? Do I Know the Limits of My Coverage?

If you have international coverage, but it is very limited, then you may still want to consider supplemental health insurance to meet your needs or the requirements of your school, program, or visa.

2. Does the Plan Meet My School, Program, and/or Visa Requirements?

You may be required to meet certain standards of coverage when it comes to choosing your study abroad insurance plan. For example, J-1 visa insurance requirements mandate the following:

• 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 plan, you can request that a student waiver form and visa letter be completed and sent to your university as proof of coverage.

You also have the option to download your visa letter through the Member Portal, which allows you to conveniently manage your StudentSecure policy online.

3. Does the Plan Meet My Needs?

When choosing a plan, make sure you’ve considered all of your priorities. Maybe you plan to participate in intramural sports and you need sports coverage. Or maybe you’ve heard how important it is to have an Emergency Medical Evacuation benefit of at least $50,000.

Be sure to determine what you’re looking for in terms of overall maximum coverage and per-benefit coverage, as well.

4. Does the Plan Cost Align with My Budget?

There are many budget-friendly options for study abroad insurance. For example, StudentSecure offers four different policies so you can choose the one which best aligns with your needs and finances. Plus, you can save money by paying your full premium in advance!

5. Are There Limits on Which Doctors and Hospitals I Can Go To?

Be sure to note whether your plan restricts the doctors you can see and the hospitals you can visit. While our StudentSecure plans do not restrict your choice of medical provider, students traveling within the U.S. must obtain medical treatment from a physician/treatment center within the preferred provider organization (PPO) to receive in-network coinsurance.

See the U.S. provider network or access our international provider search engine on our "Find a Doctor" page.

6. Will I Have Access to Help and Assistance? 

A quality plan should provide access to travel assistance services or an emergency hotline that can direct you to a local medical facility, consulate, or legal professional; assist you with lost or stolen travel documents; and more.

When you purchase a StudentSecure policy, you will gain access to our World Service Center, which provides multilingual assistance 365 days a year. Assistance services include:

• Lost passport and travel documents assistance
• Tracking for lost luggage
• Assistance with emergency cash transfers
• Consulate, legal, and provider referrals
• Medial monitoring

7. Do I Understand the Limitations and Exclusions of My Policy?

The best time to ensure you understand your policy is before you try to use it. Read through your Description of Coverage, paying special attention to the benefits and exclusions. If you have questions, don’t hesitate to call your insurance company and ask.

See the Description of Coverage for StudentSecure policies.

 

 

StudentSecure Offers Budget-Friendly Options

Our series of StudentSecure health insurance policies provides medical coverage and travel assistance to full-time students and scholars enrolled abroad. With four levels of coverage to choose from, you can almost certainly find a plan that fits your needs and budget.

• 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. 

All four StudentSecure plans meet J-1 visa requirements as well as the requirements of many schools. Plus, you can choose a monthly payment option – or save money by paying your full premium in advance!

No Matter Which StudentSecure Plan You Choose, You’ll Get:

• Medical benefits for covered injuries and illnesses
• Emergency Medical Evacuation benefit
• Some outpatient prescription drug coverage
• Some mental health coverage
• U.S. PPO network
• Multilingual travel assistance services

See the full list of StudentSecure benefits & exclusions here.

 

 

Not Sure What You Need?

We can help you decide. Just give us a call!

(800) 605-2282

Related Links

• J-1 Visa Insurance
• International Student Health Insurance
• StudentSecure Insurance
  
• F-1 Visa Insurance
  

 

*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 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 only apply if all of the following conditions are met:

1. The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition; and

2. Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence; and

3. 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

4. You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition; and

5. You must be traveling outside your home country