Cruise Insurance

In order to be eligible for any of our StudentSecure international student health plans, you must meet the following requirements:

1. Must be:

1. a full-time student at a college or university, excluding online colleges and universities, or

2. within 31 days of being a full-time student at a college or university, or

3. a student under age 19 enrolled in a secondary school, or

4. 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. holding a valid F-1 visa or J-1 visa. Full-time status requirements remain in force for individuals holding M-1 or other category visas.

2. Must be residing outside home country for the purpose of pursuing international educational activities.

3. Must not have obtained residency status in the host country. Participants visiting the U.S. must hold a valid education-related visa. A copy of the I-20 or DS-2019 may be requested. For U.S. citizens and residents, the host country must be outside the U.S., including U.S. territories.

Yes. StudentSecure will provide foreign visitors with limited home country coverage. You must have purchased three months of coverage for the incidental home country coverage to be in effect.

For every three-month period during which you are covered, eligible medical expenses are covered up to a maximum of 15 days. Any benefit accrued under a single three-month period does not accumulate to another period. Failure to continue your international trip or your return to your home country for the sole purpose of obtaining treatment for an illness or injury that began while traveling shall void any incidental home country coverage.

For all non-U.S. citizens electing coverage “excluding the U.S.” and for all U.S. citizens or residents, no coverage is provided within the U.S., except for U.S. citizens or residents during an eligible incidental home country visit or an eligible benefit period.

If You Purchased Your StudentSecure Policy on Or After May 15, 2020:
Your plan will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

If You Purchased Your StudentSecure Policy Before May 15, 2020:
Your plan contains an applicable exclusion and will NOT cover medical expenses resulting from COVID-19/SARS-CoV-2.

The following is included in the Description of Coverage:

Charges resulting from a disease outbreak in a country or location for which the U.S. Centers for Disease Control and Prevention (CDC) have issued a level 3 or higher travel warning are excluded if:

• the warning has been in effect within the 60 days immediately prior to your effective date, or
• within 10 days following the date the alert/warning was issued you have failed to depart the country or location.

You can review the exclusion by reading through the “General Exclusions” section of your Description of Coverage (DOC).You will find your DOC in Member Portal at worldtrips.my.site.com/MemberPortal. Sign into the portal, click "Policy Information" in the navigation menu, and then click the box labeled "Description of Coverage."

Charges resulting directly or indirectly from any *pre-existing condition are excluded from StudentSecure Elite and StudentSecure Select during the first 6 months of coverage and from StudentSecure Budget during the first 12 months of coverage.

All StudentSecure plans include **Acute Onset of Pre-existing Conditions (excluding chronic and congenital conditions) up to a lifetime maximum of $25,000 for eligible expenses. Note that StudentSecure Smart provides Acute Onset of Pre-existing Conditions coverage only.

*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

StudentSecure Elite and Select provide coverage for medical expenses resulting from injuries or illnesses sustained while participating in intercollegiate, interscholastic, intramural, or club sports. This benefit covers up to a maximum of $5,000 per injury or illness. StudentSecure Budget and Smart do not provide coverage for organized sports activities.

To be eligible for coverage, the sports or athletics must be sanctioned by your school and cannot be performed for any wage, reward, or profit.

All four StudentSecure plans include coverage for eligible medical expenses resulting from injuries or illnesses sustained while participating in leisure, recreational, entertainment, or fitness activities. Eligible expenses are covered up to the overall maximum limit. Please review the StudentSecure Description of Coverage for a list of excluded sports and activities.

StudentSecure provides benefits for mental health disorders as long as treatment is not obtained at a student health center.

Under StudentSecure Elite, physician office visit care is covered up to a maximum of 40 visits. Inpatient care is covered up to a maximum of 40 days.

Under StudentSecure Select and StudentSecure Budget, physician office visit care is covered up to a maximum of 30 visits. Inpatient care is covered up to a maximum of 30 days.

Under StudentSecure Smart, physician office visit care is covered up to a $500 lifetime maximum. Inpatient care is covered up to a $5,000 lifetime maximum. Drug abuse and alcohol abuse are excluded under StudentSecure Smart.

See your Description of Coverage for other important details of this benefit.

All four StudentSecure international student medical insurance plans provide emergency dental treatment by a Doctor of Dental Surgery (DDS), Doctor of Dental Medicine (DDM), or other licensed dental practitioner, necessary to resolve pain or to restore or replace natural teeth lost or damaged in an accident (up to a $500 plan period maximum).

All four StudentSecure plans provide coverage for:

• Emergency air transportation to a suitable airport nearest to the hospital where you will receive treatment; and
• Emergency ground transportation necessarily preceding emergency air transportation, and from the destination airport to the hospital where you will receive treatment.

The evacuation must be agreed upon by you or your relative and travel arrangements must be approved in advance and coordinated by WorldTrips. Your attending physician must recommend the evacuation and certify that it is medically necessary and that transportation by any other method would result in the loss of your life or limb.

See your Description of Coverage for other important details of this benefit.

Yes. If you experience a covered emergency medical evacuation or you are hospitalized as inpatient for at least 5 days due to a covered, life-threatening condition, you will be eligible for:

• An economy, roundtrip air or ground transportation ticket for one relative from their home country to the area where you are hospitalized, and
• Reasonable expenses for lodging and meals for the relative in the area where you are hospitalized (15-day maximum)

Emergency Reunion benefits that are not related to an emergency medical evacuation will be paid only following the end of the inpatient hospitalization.

StudentSecure Elite, StudentSecure Select, and StudentSecure Budget provide medical coverage for injuries and illnesses resulting from an act of terrorism, subject to a $50,000 lifetime maximum, provided all the following conditions are met:

1. The injury or illness does not result from the use of any biological, chemical, cyber, radioactive or nuclear agent, material, device or weapon.
2. You have no direct or indirect involvement in the act of terrorism.
3. The act of terrorism is not in a country or location where the U.S. Department of State has issued a level 3 “reconsider travel” or higher travel advisory within the 60 days prior to your date of arrival.
4. You have not failed to depart a country or location within 10 days following the date a level 3 or higher travel advisory to leave that country or location is issued by the U.S. Department of State.

StudentSecure Smart does not provide coverage for medical expenses incurred due to an act of terrorism.

An Act of Terrorism Is Defined as:
An act, including but not limited to, the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

In the event of your accidental death or dismemberment resulting from a covered injury, StudentSecure Elite and StudentSecure Select will provide the following benefit:

• Accidental Death – Principal sum to the beneficiary designated on your application
• Loss of Sight in Both Eyes or Loss of Two or More Limbs – Principal sum to you
• Loss of Sight in One Eye or Loss of One Limb – One-half of the principal sum to you

Loss of Sight – Defined as complete, permanent, and irrevocable loss of sight.

Loss of Limb – Defined as the arm when the severance is at or above (toward the elbow) the wrist, or the leg when the severance is at or above (toward the knee) the ankle. StudentSecure Elite and StudentSecure Select offer an optional AD&D Rider for an additional $25,000 lifetime maximum. StudentSecure Budget and StudentSecure Smart do not provide an Accidental Death and Dismemberment benefit.

Note that the Accidental Death and Dismemberment benefit is not available for losses resulting from an act of terrorism.

Follow the below instructions to EXTEND your StudentSecure insurance plan:

1. Log into your Member Portal account.
2. On your Member Portal home page, click the box labeled "Extend or Renew My Policy" under the "How Can We Help You Today?" header.
3. If you are eligible to extend your policy and you do not need to contact a broker or plan administrator in order to do so, you will see the "Extend Policy" page.
4. Use the dropdown arrow to insert your new coverage end date and click "Next."
5. Fill in your payment information.
6. Review the Terms and Conditions and click the checkbox to acknowledge that you have read and accepted them.
7. Click the "Submit" button to submit your extension request. Your coverage confirmation will be sent to the email address you entered.

Most members are able to submit a cancellation request online in Member Portal. Note that only members who have no claims are eligible for a premium refund.

After you create your Member Portal account (click here for registration instructions), log in and select “Policy Information” in the top righthand corner. Then select the “Modify or Cancel Coverage” box.

If you are not eligible to cancel via Member Portal, you will see a message prompting you to contact your agent for assistance. If you are eligible to cancel via Member Portal, select “No” under the “Would you like to change your coverage start date?” question. Then select “Shorten or cancel your coverage.”

If Your Policy Has Not Yet Started…

You are eligible for a full refund of your premium for free. On the “Shorten or Cancel Policy” page, select your coverage start date as your new coverage end date. Once you click “Submit,” you will be routed to a confirmation page. You will also receive a confirmation email. Your refund will be applied to the original payment method used within 3-5 business days.

If Your Policy Has Already Started…

A $25 cancellation fee will apply. On the “Shorten or Cancel Policy” page, select your new coverage end date and click “Calculate Refund” to display the eligibility of the date selected and the amount that will be refunded.

If Paying in Monthly Installments…

• You may only cancel in whole month increments. If you select a date in the middle of a monthly installment period, the following installment period will not be drafted.
• Only premium for unused whole months will be refunded.

If Paid in Full…

• Only premium for unused days will be refunded.

Once you click “Submit,” you will be routed to a confirmation page. You will also receive a confirmation email. Your refund will be applied to the original payment method used within 3-5 business days. Please note that after 60 days, no refunds will be granted.