- 4 different plan levels
- Up to $5,000,000 of overall maximum coverage
- Meets J-1 visa requirements
- Monthly payment option (or savings for paying the full premium in advance)
International student health insurance is medical coverage designed to meet the needs of students studying abroad. Not only can insurance be an important part of the student visa application process, but it can also help reduce out-of-pocket costs for unforeseen medical expenses.
Though it's easy to get overwhelmed by study abroad planning, one item that should not be overlooked is your international student health insurance plan. StudentSecure® could be the student health insurance plan for you with a variety of plan levels and overall maximum coverage options and the option to pay in monthly installments.
There are several reasons to consider an international student health insurance plan like StudentSecure for your study abroad experience:
1. You may need insurance to meet visa requirements. Most countries require international students to possess a valid student visa. Some visas require proof of insurance that meets specific requirements. StudentSecure meets the insurance requirements of most visas, including the J-1 visa. As a policyholder, you’ll have access to a visa letter you can use as proof of coverage.
2. You may need insurance to meet your study abroad program or school requirements. Your program or university may require you to have student health insurance. Some programs and schools provide their own insurance plans, but many allow students to purchase alternate coverage that meets certain requirements. Upon purchase of a StudentSecure policy, we can provide a completed waiver form and visa letter to you and your program or school.
3. Your regular health insurance may not cover you outside of your home country. That’s why the U.S. Department of State of State recommends that you “learn what medical services your health insurance will cover overseas.” If it doesn’t offer enough coverage or any coverage, health insurance for international students can provide the international coverage you need.
4. There’s always a chance you could encounter a travel mishap, accident, or illness while studying abroad. International student health insurance like StudentSecure can cover eligible medical expenses such as hospital room and board, intensive care unit, local ambulance, sutures, surgery, and other treatment required to get your study abroad trip back on track.
The Centers for Disease Control and Prevention (CDC) recommend the following steps to prepare for a safe and healthy study abroad venture:
What Does Health Insurance for
INTERNATIONAL STUDENTS COVER?
An international student health insurance plan like StudentSecure can reduce your personal expenses if you face an unexpected injury or illness throughout the course of your international studies.
All four StudentSecure plans include multilingual travel assistance services and access to our Member Portal, where you can download your visa letter, renew your coverage as needed, and manage your policy online.
Some StudentSecure Highlights Include:
Additional StudentSecure Insurance
How Do StudentSecure
Benefits Work In Action?
See examples of how an international student health insurance plan like StudentSecure can provide coverage for your study abroad trip.
Medical emergencies are scary enough when you’re in your home country, let alone a foreign country where you may be unfamiliar with the healthcare system.
With an international student health insurance policy like StudentSecure, you’ll be covered for the cost of a local ambulance to transport you to the hospital for covered injuries or illnesses that result in hospitalization as well as hospital room and board.
You’ll also have coverage for all other eligible medical expenses, including physician charges, diagnostic testing, and more.
Additionally, StudentSecure plans provide access to provider referrals, translation services, and other travel assistance services. These services are available in multiple languages 365 days a year.
All four StudentSecure plans include coverage for leisure, recreational, entertainment, and fitness-related sports and activities. If your injury does not stem from any policy exclusions, you’ll be covered for all eligible medical expenses related to your broken leg (up to your policy’s overall maximum limit).
These medical expenses might include charges for hospital room and board, nursing services, physician services, diagnostic testing, surgery, sutures, casts, and more.
NOTE: StudentSecure Elite, Select, and Budget offer an optional rider that provides additional coverage for medical expenses resulting from injuries or illnesses sustained while participating in intercollegiate, interscholastic, intramural, or club sports.
Be sure to review the StudentSecure Description of Coverage for conditions and exclusions related to sports and activities.
Thankfully, all four StudentSecure plans include a benefit for dental treatment due to accident. This benefit pays for emergency dental treatment and dental surgery necessary to restore or replace the sound natural teeth you lose or damage in a covered accident—up to $250 per tooth ($500 maximum per coverage period).
All four StudentSecure plans provide some coverage for treatment of mental health disorders and psychiatric illnesses listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders by the American Psychiatric Association.
Under StudentSecure Elite, Select, and Budget, you’re covered for a maximum of 30 outpatient visits. If you seek inpatient treatment, you’re covered for a maximum of 30 days.
Under StudentSecure Smart, you’re covered for up to $50 per day ($500 maximum) for outpatient treatment. If you seek inpatient treatment, you’re covered for up to $5,000.
Mental health treatment provided at a student health center is not covered under any StudentSecure plan. Treatment resulting from drug or alcohol abuse is included only under StudentSecure Elite, Select, and Budget. There is no coverage for treatment resulting from drug or alcohol abuse under StudentSecure Smart.
It’s also important to note that coverage for *pre-existing mental health disorders is excluded:
*A mental health disorder counts as pre-existing if it existed at the time of application or at any time during the 12 months prior to the effective date of this insurance, with reasonable medical certainty, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date. This includes any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.
All four StudentSecure plans cover eligible medical expenses resulting from your hospitalization and medical treatment.
StudentSecure plans also include an Emergency Reunion benefit that covers roundtrip transportation, up to the benefit maximum, to bring one of your relatives to the area where you are hospitalized so they can be by your side.
This benefit also covers reasonable costs of lodging and meals for your relative for a period of up to 15 days.
The Emergency Reunion benefit applies for hospitalizations of 5 days or longer.
The StudentSecure Series offers four levels of coverage—Elite, Select, Budget, and Smart—so you can choose the coverage and cost that best fit your needs and budget. Overall maximum coverage ranges from $200,000 to $5,000,000, with maximums per injury or illness ranging from $100,000 to $500,000. Deductibles range from $25 to $50.
All four plan levels meet or exceed most government and visa requirements, including J-1 visa requirements.
Choose a monthly payment option or get savings for paying your full premium in advance.
Your policy documents will be sent to your email address immediately upon purchase. Log into Member Portal, your online policy management portal, to extend or renew your coverage as needed. Or visit our Find a Doctor page to find qualified medical providers in your host country.
As a StudentSecure policyholder, you’ll have access to our multilingual travel assistance services 365 days a year. Emergency services are available 24/7. Travel assistance services include referrals, translation assistance, help replacing lost or stolen travel documents, medical monitoring, coordination of emergency travel arrangements, and more.
Certain types of expenses are excluded under StudentSecure insurance. Here are some of the more asked-about exclusions:
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.