International Student Insurance – StudentSecure Budget Plan
StudentSecure Budget Plan
There are a lot of costs involved with studying abroad, but it’s important to factor international student insurance into your budget. The StudentSecure® Budget plan from WorldTrips is designed for study abroad students seeking budget-friendly coverage that offers higher benefit limits than our Smart plan at a lower cost than our Elite and Select plans. This balance of coverage and cost makes StudentSecure Budget one of our most popular international student medical insurance plans.
Here are some StudentSecure Budget plan highlights:
- Up to $500,000 of coverage for unexpected injury or illness
- $0 deductible
- Savings for paying in full
- Some outpatient prescription drug coverage and some mental health coverage
- Coverage for leisure sports and activities
Discover the Benefits of StudentSecure Budget International Student Insurance
| 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 | $500,000 |
|
Overall Maximum Benefit $500,000
|
|
| Maximum Benefit Per Injury or Illness | $250,000 |
|
Maximum Benefit Per Injury or Illness $250,000
|
|
| 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:
|
|
Travel Assistance Services StudentSecure customers have access to travel and medical assistance 365 days a year. Emergency assistance is available 24/7. Services include:
|
|
| Policy Documents | Click here to view your policy documents. |
|
Policy Documents |
| Emergency Room Copayment (Claims Incurred in the U.S. Only) | $350 for the emergency room facility fee for treatment received in an emergency room |
|---|---|
|
Emergency Room Copayment (Claims Incurred in the U.S. Only) $350 for the emergency room facility fee for treatment received in an emergency room
|
|
| Physician Office Visit Copayment | $50 per visit within the PPO network or outside the U.S.; otherwise, $100 per visit |
|
Physician Office Visit Copayment $50 per visit within the PPO network or outside the U.S.; otherwise, $100 per visit
|
|
| Urgent Care Copayment | $75 per visit within the PPO network or outside the U.S.; otherwise, $150 per visit |
|
Urgent Care Copayment $75 per visit within the PPO network or outside the U.S.; otherwise, $150 per visit
|
|
| Student Health Center Copayment | $25 per visit |
|
Student Health Center Copayment $25 per visit
|
|
| Hospital Copayment – Inpatient and Outpatient | $150 per visit within the PPO network or outside the U.S.; otherwise, $300 per visit |
|
Hospital Copayment – Inpatient and Outpatient $150 per visit within the PPO network or outside the U.S.; otherwise, $300 per visit
|
| Coinsurance - Claims Incurred Inside the U.S. | |
|---|---|
|
Coinsurance - Claims Incurred Inside the U.S. |
|
| In-Network Payment | Within the PPO: We will pay 80% of the next $45,000 of eligible expenses after applicable copayments, then 100% to the overall maximum limit |
|
In-Network Payment Within the PPO: We will pay 80% of the next $45,000 of eligible expenses after applicable copayments, then 100% to the overall maximum limit
|
|
| Out-of-Network Payment | Outside the PPO: Usual, reasonable, and customary charges for eligible expenses, up to the overall maximum limit. You may be responsible for any charges exceeding the payable amount. |
|
Out-of-Network Payment Outside the PPO: Usual, reasonable, and customary charges for eligible expenses, up to the overall maximum limit. You may be responsible for any charges exceeding the payable amount.
|
|
| Coinsurance - Claims Incurred Outside the U.S. | We will pay 100% of eligible expenses, after applicable copayments, up to the overall maximum limit |
|
Coinsurance - Claims Incurred Outside the U.S. We will pay 100% of eligible expenses, after applicable copayments, up to the overall maximum limit
|
| *Pre-Existing Conditions | 12-month waiting period |
|---|---|
|
*Pre-Existing Conditions 12-month waiting period
|
|
| **Acute Onset of Pre-Existing Condition (see "Exclusions" tab for benefit description) | $25,000 lifetime maximum for eligible expenses |
|
**Acute Onset of Pre-Existing Condition (see "Exclusions" tab for benefit description) $25,000 lifetime maximum for eligible expenses
|
|
| Intensive Care Unit | Up to overall maximum limit |
|
Intensive Care Unit Up to overall maximum limit
|
|
| Hospital Room & Board | Average semi-private room rate, including nursing services |
|
Hospital Room & Board Average semi-private room rate, including nursing services
|
|
| Outpatient Treatment | Up to overall maximum limit |
|
Outpatient Treatment Up to overall maximum limit
|
|
| Local Ambulance (not subject to coinsurance) | Up to $500 per injury or illness, only when covered illness or injury results in hospitalization as inpatient |
|
Local Ambulance (not subject to coinsurance) Up to $500 per injury or illness, only when covered illness or injury results in hospitalization as inpatient
|
|
| Outpatient Prescription Drugs | 50% of actual charges |
|
Outpatient Prescription Drugs 50% of actual charges
|
|
| Vaccinations (not subject to coinsurance) | No coverage |
|
Vaccinations (not subject to coinsurance) No coverage
|
|
| Preventative Care | No coverage |
|
Preventative Care No coverage
|
|
| Maternity Care for Covered Pregnancy | Up to $5,000 lifetime maximum |
|
Maternity Care for Covered Pregnancy Up to $5,000 lifetime maximum
|
|
| Nursery Care of Newborn (not subject to coinsurance) | Up to $250 |
|
Nursery Care of Newborn (not subject to coinsurance) Up to $250
|
|
| Sports & Activities - Leisure, Recreational, Entertainment, or Fitness | Up to the overall maximum limit |
|
Sports & Activities - Leisure, Recreational, Entertainment, or Fitness Up to the overall maximum limit
|
|
| Intercollegiate, Interscholastic, Intramural, or Club Sports | No coverage |
|
Intercollegiate, Interscholastic, Intramural, or Club Sports No coverage
|
|
| Mental Health Disorders (treatment must not be provided at a student health center) | Physician Office Visit: Maximum of 30 visits Inpatient: Maximum of 30 days |
|
Mental Health Disorders (treatment must not be provided at a student health center) Physician Office Visit: Maximum of 30 visits Inpatient: Maximum of 30 days |
|
| Outpatient Physical Therapy & Chiropractic Care (not subject to coinsurance) (must be ordered in advance by a physician and not obtained at a student health center) | Up to $50 per visit per day |
|
Outpatient Physical Therapy & Chiropractic Care (not subject to coinsurance) (must be ordered in advance by a physician and not obtained at a student health center) Up to $50 per visit per day
|
|
| Emergency Dental Treatment (not subject to coinsurance) | Up to $500 |
|
Emergency Dental Treatment (not subject to coinsurance) Up to $500
|
|
| Terrorism | Up to $50,000 lifetime maximum, eligible medical expenses only |
|
Terrorism Up to $50,000 lifetime maximum, eligible medical expenses only
|
|
| All Other Eligible Medical Expenses | Up to the overall maximum limit |
|
All Other Eligible Medical Expenses Up to the overall maximum limit
|
| Emergency Medical Evacuation (not subject to coinsurance or overall maximum limit) | Up to $250,000 lifetime maximum |
|---|---|
|
Emergency Medical Evacuation (not subject to coinsurance or overall maximum limit) Up to $250,000 lifetime maximum
|
|
| Repatriation of Remains (not subject to coinsurance or overall maximum limit) | Up to $25,000 lifetime maximum |
|
Repatriation of Remains (not subject to coinsurance or overall maximum limit) Up to $25,000 lifetime maximum
|
|
| Accidental Death and Dismemberment (AD&D) (not subject to coinsurance or overall maximum limit) | No coverage |
|
Accidental Death and Dismemberment (AD&D) (not subject to coinsurance or overall maximum limit) No coverage
|
|
| Emergency Reunion (not subject to coinsurance or overall maximum limit) | Up to $1,000, subject to a maximum of 15 days |
|
Emergency Reunion (not subject to coinsurance or overall maximum limit) Up to $1,000, subject to a maximum of 15 days
|
|
| Personal Liability (not subject to coinsurance or overall maximum limit) | No coverage |
|
Personal Liability (not subject to coinsurance or overall maximum limit) No coverage
|
|
| Optional Crisis Response Rider - Ransom, Personal Belongings, and Crisis Response Fees and Expenses (not subject to coinsurance or overall maximum limit) | No coverage |
|
Optional Crisis Response Rider - Ransom, Personal Belongings, and Crisis Response Fees and Expenses (not subject to coinsurance or overall maximum limit) No coverage
|
| Pre-Existing Conditions | Certain types of medical expenses are excluded from coverage under StudentSecure Budget international student travel health insurance. Some exclusions are listed here. Refer to the Description of Coverage for the complete list of exclusions.
*A pre-existing condition is 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. |
|---|---|
|
Pre-Existing Conditions Certain types of medical expenses are excluded from coverage under StudentSecure Budget international student travel health insurance. Some exclusions are listed here. Refer to the Description of Coverage for the complete list of exclusions.
*A pre-existing condition is 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. |
|
| Acute Onset of Pre-existing Condition | **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 apply only if, at the time of the acute onset of a pre-existing condition, all the following conditions are met:
|
|
Acute Onset of Pre-existing Condition **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 apply only if, at the time of the acute onset of a pre-existing condition, all the following conditions are met:
|
| 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 | $500,000 |
|
Overall Maximum Benefit $500,000
|
|
| Maximum Benefit Per Injury or Illness | $250,000 |
|
Maximum Benefit Per Injury or Illness $250,000
|
|
| 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:
|
|
Travel Assistance Services StudentSecure customers have access to travel and medical assistance 365 days a year. Emergency assistance is available 24/7. Services include:
|
|
| Policy Documents | Click here to view your policy documents. |
|
Policy Documents |
|
| Emergency Room Copayment (Claims Incurred in the U.S. Only) | $350 for the emergency room facility fee for treatment received in an emergency room |
|
Emergency Room Copayment (Claims Incurred in the U.S. Only) $350 for the emergency room facility fee for treatment received in an emergency room
|
|
| Physician Office Visit Copayment | $50 per visit within the PPO network or outside the U.S.; otherwise, $100 per visit |
|
Physician Office Visit Copayment $50 per visit within the PPO network or outside the U.S.; otherwise, $100 per visit
|
|
| Urgent Care Copayment | $75 per visit within the PPO network or outside the U.S.; otherwise, $150 per visit |
|
Urgent Care Copayment $75 per visit within the PPO network or outside the U.S.; otherwise, $150 per visit
|
|
| Student Health Center Copayment | $25 per visit |
|
Student Health Center Copayment $25 per visit
|
|
| Hospital Copayment – Inpatient and Outpatient | $150 per visit within the PPO network or outside the U.S.; otherwise, $300 per visit |
|
Hospital Copayment – Inpatient and Outpatient $150 per visit within the PPO network or outside the U.S.; otherwise, $300 per visit
|
|
| Coinsurance - Claims Incurred Inside the U.S. | |
|
Coinsurance - Claims Incurred Inside the U.S. |
|
| In-Network Payment | Within the PPO: We will pay 80% of the next $45,000 of eligible expenses after applicable copayments, then 100% to the overall maximum limit |
|
In-Network Payment Within the PPO: We will pay 80% of the next $45,000 of eligible expenses after applicable copayments, then 100% to the overall maximum limit
|
|
| Out-of-Network Payment | Outside the PPO: Usual, reasonable, and customary charges for eligible expenses, up to the overall maximum limit. You may be responsible for any charges exceeding the payable amount. |
|
Out-of-Network Payment Outside the PPO: Usual, reasonable, and customary charges for eligible expenses, up to the overall maximum limit. You may be responsible for any charges exceeding the payable amount.
|
|
| Coinsurance - Claims Incurred Outside the U.S. | We will pay 100% of eligible expenses, after applicable copayments, up to the overall maximum limit |
|
Coinsurance - Claims Incurred Outside the U.S. We will pay 100% of eligible expenses, after applicable copayments, up to the overall maximum limit
|
|
| *Pre-Existing Conditions | 12-month waiting period |
|
*Pre-Existing Conditions 12-month waiting period
|
|
| **Acute Onset of Pre-Existing Condition (see "Exclusions" tab for benefit description) | $25,000 lifetime maximum for eligible expenses |
|
**Acute Onset of Pre-Existing Condition (see "Exclusions" tab for benefit description) $25,000 lifetime maximum for eligible expenses
|
|
| Intensive Care Unit | Up to overall maximum limit |
|
Intensive Care Unit Up to overall maximum limit
|
|
| Hospital Room & Board | Average semi-private room rate, including nursing services |
|
Hospital Room & Board Average semi-private room rate, including nursing services
|
|
| Outpatient Treatment | Up to overall maximum limit |
|
Outpatient Treatment Up to overall maximum limit
|
|
| Local Ambulance (not subject to coinsurance) | Up to $500 per injury or illness, only when covered illness or injury results in hospitalization as inpatient |
|
Local Ambulance (not subject to coinsurance) Up to $500 per injury or illness, only when covered illness or injury results in hospitalization as inpatient
|
|
| Outpatient Prescription Drugs | 50% of actual charges |
|
Outpatient Prescription Drugs 50% of actual charges
|
|
| Vaccinations (not subject to coinsurance) | No coverage |
|
Vaccinations (not subject to coinsurance) No coverage
|
|
| Preventative Care | No coverage |
|
Preventative Care No coverage
|
|
| Maternity Care for Covered Pregnancy | Up to $5,000 lifetime maximum |
|
Maternity Care for Covered Pregnancy Up to $5,000 lifetime maximum
|
|
| Nursery Care of Newborn (not subject to coinsurance) | Up to $250 |
|
Nursery Care of Newborn (not subject to coinsurance) Up to $250
|
|
| Sports & Activities - Leisure, Recreational, Entertainment, or Fitness | Up to the overall maximum limit |
|
Sports & Activities - Leisure, Recreational, Entertainment, or Fitness Up to the overall maximum limit
|
|
| Intercollegiate, Interscholastic, Intramural, or Club Sports | No coverage |
|
Intercollegiate, Interscholastic, Intramural, or Club Sports No coverage
|
|
| Mental Health Disorders (treatment must not be provided at a student health center) | Physician Office Visit: Maximum of 30 visits Inpatient: Maximum of 30 days |
|
Mental Health Disorders (treatment must not be provided at a student health center) Physician Office Visit: Maximum of 30 visits Inpatient: Maximum of 30 days |
|
| Outpatient Physical Therapy & Chiropractic Care (not subject to coinsurance) (must be ordered in advance by a physician and not obtained at a student health center) | Up to $50 per visit per day |
|
Outpatient Physical Therapy & Chiropractic Care (not subject to coinsurance) (must be ordered in advance by a physician and not obtained at a student health center) Up to $50 per visit per day
|
|
| Emergency Dental Treatment (not subject to coinsurance) | Up to $500 |
|
Emergency Dental Treatment (not subject to coinsurance) Up to $500
|
|
| Terrorism | Up to $50,000 lifetime maximum, eligible medical expenses only |
|
Terrorism Up to $50,000 lifetime maximum, eligible medical expenses only
|
|
| All Other Eligible Medical Expenses | Up to the overall maximum limit |
|
All Other Eligible Medical Expenses Up to the overall maximum limit
|
|
| Emergency Medical Evacuation (not subject to coinsurance or overall maximum limit) | Up to $250,000 lifetime maximum |
|
Emergency Medical Evacuation (not subject to coinsurance or overall maximum limit) Up to $250,000 lifetime maximum
|
|
| Repatriation of Remains (not subject to coinsurance or overall maximum limit) | Up to $25,000 lifetime maximum |
|
Repatriation of Remains (not subject to coinsurance or overall maximum limit) Up to $25,000 lifetime maximum
|
|
| Accidental Death and Dismemberment (AD&D) (not subject to coinsurance or overall maximum limit) | No coverage |
|
Accidental Death and Dismemberment (AD&D) (not subject to coinsurance or overall maximum limit) No coverage
|
|
| Emergency Reunion (not subject to coinsurance or overall maximum limit) | Up to $1,000, subject to a maximum of 15 days |
|
Emergency Reunion (not subject to coinsurance or overall maximum limit) Up to $1,000, subject to a maximum of 15 days
|
|
| Personal Liability (not subject to coinsurance or overall maximum limit) | No coverage |
|
Personal Liability (not subject to coinsurance or overall maximum limit) No coverage
|
|
| Optional Crisis Response Rider - Ransom, Personal Belongings, and Crisis Response Fees and Expenses (not subject to coinsurance or overall maximum limit) | No coverage |
|
Optional Crisis Response Rider - Ransom, Personal Belongings, and Crisis Response Fees and Expenses (not subject to coinsurance or overall maximum limit) No coverage
|
|
| Pre-Existing Conditions | Certain types of medical expenses are excluded from coverage under StudentSecure Budget international student travel health insurance. Some exclusions are listed here. Refer to the Description of Coverage for the complete list of exclusions.
*A pre-existing condition is 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. |
|
Pre-Existing Conditions Certain types of medical expenses are excluded from coverage under StudentSecure Budget international student travel health insurance. Some exclusions are listed here. Refer to the Description of Coverage for the complete list of exclusions.
*A pre-existing condition is 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. |
|
| Acute Onset of Pre-existing Condition | **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 apply only if, at the time of the acute onset of a pre-existing condition, all the following conditions are met:
|
|
Acute Onset of Pre-existing Condition **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 apply only if, at the time of the acute onset of a pre-existing condition, all the following conditions are met:
|
Why You Need International Student Insurance
The StudentSecure Budget international student medical insurance plan from WorldTrips is designed to:
- Help you meet your school or visa requirements. StudentSecure Budget satisfies the requirements of many programs and universities and meets or exceeds requirements for most visas (including the J-1 visa). Need proof of coverage? Simply download your visa letter.
- Provide a balance between coverage and cost. StudentSecure Budget international student insurance offers the third highest overall maximum coverage limit of the StudentSecure plans at the second lowest price. You’ll get coverage of up to $500,000 for covered injuries and illnesses.
- Be easy to use. 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. If you need to find a quality doctor, hospital, or pharmacy, give us a call. See more available travel assistance services here.
See How StudentSecure Budget Compares to Our Other StudentSecure Plans
| 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 | |
“WorldTrips is the best travel insurance company of 2024, based on our in-depth analysis of travel insurance policies."
Why Choose International Student Insurance from WorldTrips?
WorldTrips has provided travel medical insurance and global support to international students for over 25 years. We have designed our international student insurance plans to match the coverage that schools and visas may require. Four different plan levels mean you can choose the coverage that best aligns with your student travel plans. Payment options are flexible so you can pay upfront or monthly.
We know that being away from your home country and navigating a foreign healthcare system can be overwhelming. That’s why all our plans include access to multilingual travel assistance services 365 days a year—with emergency services available 24/7. Reach out to our customer support team if you need a referral, translation assistance, help replacing lost or stolen travel documents, coordination of emergency travel arrangements, and more.
Here’s How International Student Insurance Can Be There for You
- You’re hiking during a weekend trip with classmates when you fall and break your leg. Unfortunately, the fracture is severe, and it requires surgery to correct.
Your StudentSecure Budget international student medical insurance plan provides up to $500,000 of coverage for eligible medical expenses resulting from accidents and injuries. Covered expenses might include diagnostic testing, physician charges, nursing services, surgical expenses, hospital room charges, and more.
- You’re playing a recreational game of basketball in the student health center gym when you trip and chip some teeth.
Your StudentSecure Budget international student health insurance plan includes an Emergency Dental Treatment benefit that reimburses 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 seek treatment for a fungal infection and your physician writes you a prescription for a topical cream and an oral medication to clear it up as quickly as possible.
You head to the nearest pharmacy to pick up your medication, knowing that your StudentSecure Budget international student insurance plan will cover 50% of actual charges for an outpatient prescription stemming from a covered medical condition.
KHE2FFFYH6SP-971744701-1163
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.