International Student Insurance – StudentSecure Elite Plan
StudentSecure Elite Plan
Don’t forget to pack your international student insurance as you prepare for the adventure of a lifetime. All four StudentSecure plans from WorldTrips meet U.S. J-1 visa requirements, include a $0 deductible, and offer a monthly payment option or savings for paying in full.
Here is what sets StudentSecure Elite apart from the other StudentSecure international student insurance plans:
- Overall maximum limit of $5,000,000
- Higher coverage limits for many benefits
- 100% coverage for generic outpatient prescription drugs
- Some vaccination coverage
- Some preventative care coverage (after 6 months of coverage)
- Up to $250,000 of personal liability coverage
Discover the Benefits of StudentSecure Elite International Student Medical Insurance
| Savings for Paying Full Premium in Advance | Yes |
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Savings for Paying Full Premium in Advance Yes
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| Meets J-1 Visa Requirements | Yes |
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Meets J-1 Visa Requirements Yes
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| Overall Maximum Benefit | $5,000,000 |
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Overall Maximum Benefit $5,000,000
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| Maximum Benefit Per Injury or Illness | $500,000 |
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Maximum Benefit Per Injury or Illness $500,000
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| Deductible | $0 |
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Deductible $0
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| Travel Assistance Services | StudentSecure customers have access to travel and medical assistance 365 days a year. Emergency assistance is available 24/7. Services include:
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Travel Assistance Services StudentSecure customers have access to travel and medical assistance 365 days a year. Emergency assistance is available 24/7. Services include:
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| Policy Documents | Click here to view your policy documents. |
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Policy Documents |
| Emergency Room Copayment (Claims Incurred in the U.S. Only) | $100 for the emergency room facility fee for treatment received in an emergency room |
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Emergency Room Copayment (Claims Incurred in the U.S. Only) $100 for the emergency room facility fee for treatment received in an emergency room
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| Physician Office Visit Copayment | $20 per visit within the PPO network or outside the U.S.; otherwise, $40 per visit |
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Physician Office Visit Copayment $20 per visit within the PPO network or outside the U.S.; otherwise, $40 per visit
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| Urgent Care Copayment | $30 per visit within the PPO network or outside the U.S.; otherwise, $60 per visit |
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Urgent Care Copayment $30 per visit within the PPO network or outside the U.S.; otherwise, $60 per visit
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| Student Health Center Copayment | $10 per visit |
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Student Health Center Copayment $10 per visit
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| Hospital Copayment – Inpatient and Outpatient | $75 per visit within the PPO network or outside the U.S.; otherwise, $150 per visit |
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Hospital Copayment – Inpatient and Outpatient $75 per visit within the PPO network or outside the U.S.; otherwise, $150 per visit
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| Coinsurance - Claims Incurred Inside the U.S. | |
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Coinsurance - Claims Incurred Inside the U.S. |
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| In-Network Payment | Within the PPO: We will pay 80% of the next $10,000 of eligible expenses after applicable copayments, then 100% to the overall maximum limit |
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In-Network Payment Within the PPO: We will pay 80% of the next $10,000 of eligible expenses after applicable copayments, then 100% to the overall maximum limit
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| 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. |
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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.
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| Coinsurance - Claims Incurred Outside the U.S. | We will pay 100% of eligible expenses, after applicable copayments, up to the overall maximum limit |
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Coinsurance - Claims Incurred Outside the U.S. We will pay 100% of eligible expenses, after applicable copayments, up to the overall maximum limit
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| *Pre-Existing Conditions | 6-month waiting period |
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*Pre-Existing Conditions 6-month waiting period
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| **Acute Onset of Pre-Existing Condition (see "Exclusions" tab for benefit description) | $25,000 lifetime maximum for eligible expenses |
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**Acute Onset of Pre-Existing Condition (see "Exclusions" tab for benefit description) $25,000 lifetime maximum for eligible expenses
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| Intensive Care Unit | Up to overall maximum limit |
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Intensive Care Unit Up to overall maximum limit
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| Hospital Room & Board | Average semi-private room rate, including nursing services |
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Hospital Room & Board Average semi-private room rate, including nursing services
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| Outpatient Treatment | Up to overall maximum limit |
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Outpatient Treatment Up to overall maximum limit
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| Local Ambulance (not subject to coinsurance) | Up to $750 per injury or illness, only when covered illness or injury results in hospitalization as inpatient |
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Local Ambulance (not subject to coinsurance) Up to $750 per injury or illness, only when covered illness or injury results in hospitalization as inpatient
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| Outpatient Prescription Drugs | Generic Drugs: 100% coinsurance Brand Name Drugs: 50% coinsurance Specialty Drugs: No coverage Oral Contraceptives: 50% coinsurance
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Outpatient Prescription Drugs Generic Drugs: 100% coinsurance Brand Name Drugs: 50% coinsurance Specialty Drugs: No coverage Oral Contraceptives: 50% coinsurance
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| Vaccinations (not subject to coinsurance) | Up to $150 Covered vaccinations and testing are:
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Vaccinations (not subject to coinsurance) Up to $150 Covered vaccinations and testing are:
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| Preventative Care | Up to $200 after 6 months of continuous coverage |
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Preventative Care Up to $200 after 6 months of continuous coverage
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| Maternity Care for Covered Pregnancy | Up to $15,000 lifetime maximum |
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Maternity Care for Covered Pregnancy Up to $15,000 lifetime maximum
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| Nursery Care of Newborn (not subject to coinsurance) | Up to $750 |
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Nursery Care of Newborn (not subject to coinsurance) Up to $750
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| Sports & Activities - Leisure, Recreational, Entertainment, or Fitness | Up to the overall maximum limit |
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Sports & Activities - Leisure, Recreational, Entertainment, or Fitness Up to the overall maximum limit
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| Intercollegiate, Interscholastic, Intramural, or Club Sports | Up to $5,000 maximum per injury or illness; medical expenses only |
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Intercollegiate, Interscholastic, Intramural, or Club Sports Up to $5,000 maximum per injury or illness; medical expenses only
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| Mental Health Disorders (treatment must not be provided at a student health center) | Physician Office Visit: Maximum of 40 visits Inpatient: Maximum of 40 days |
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Mental Health Disorders (treatment must not be provided at a student health center) Physician Office Visit: Maximum of 40 visits Inpatient: Maximum of 40 days |
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| 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 $75 per visit per day |
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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 $75 per visit per day
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| Emergency Dental Treatment (not subject to coinsurance) | Up to $500 |
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Emergency Dental Treatment (not subject to coinsurance) Up to $500
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| Terrorism | Up to $50,000 lifetime maximum, eligible medical expenses only |
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Terrorism Up to $50,000 lifetime maximum, eligible medical expenses only
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| All Other Eligible Medical Expenses | Up to the overall maximum limit |
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All Other Eligible Medical Expenses Up to the overall maximum limit
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| Emergency Medical Evacuation (not subject to coinsurance or overall maximum limit) | Up to $300,000 lifetime maximum |
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Emergency Medical Evacuation (not subject to coinsurance or overall maximum limit) Up to $300,000 lifetime maximum
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| Repatriation of Remains (not subject to coinsurance or overall maximum limit) | Up to $50,000 lifetime maximum |
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Repatriation of Remains (not subject to coinsurance or overall maximum limit) Up to $50,000 lifetime maximum
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| Accidental Death and Dismemberment (AD&D) (not subject to coinsurance or overall maximum limit) | Lifetime Maximum: $25,000 Death: $25,000 Loss of 2 Limbs: $25,000 Loss of 1 Limb: $12,500 Optional AD&D Rider: Additional $25,000 lifetime maximum |
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Accidental Death and Dismemberment (AD&D) (not subject to coinsurance or overall maximum limit) Lifetime Maximum: $25,000 Death: $25,000 Loss of 2 Limbs: $25,000 Loss of 1 Limb: $12,500 Optional AD&D Rider: Additional $25,000 lifetime maximum |
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| Emergency Reunion (not subject to coinsurance or overall maximum limit) | Up to $5,000, subject to a maximum of 15 days |
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Emergency Reunion (not subject to coinsurance or overall maximum limit) Up to $5,000, subject to a maximum of 15 days
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| Personal Liability (not subject to coinsurance or overall maximum limit) | Lifetime Maximum: $250,000 Third-Person Injury: Up to $250,000 Third-Person Property: Up to $250,000 Related Third-Person Property: Up to $2,500 |
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Personal Liability (not subject to coinsurance or overall maximum limit) Lifetime Maximum: $250,000 Third-Person Injury: Up to $250,000 Third-Person Property: Up to $250,000 Related Third-Person Property: Up to $2,500 |
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| Optional Crisis Response Rider - Ransom, Personal Belongings, and Crisis Response Fees and Expenses (not subject to coinsurance or overall maximum limit) | Up to $100,000 |
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Optional Crisis Response Rider - Ransom, Personal Belongings, and Crisis Response Fees and Expenses (not subject to coinsurance or overall maximum limit) Up to $100,000
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| Pre-Existing Conditions | Certain types of medical expenses are excluded from coverage under StudentSecure Elite 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. |
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Pre-Existing Conditions Certain types of medical expenses are excluded from coverage under StudentSecure Elite 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. |
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| 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:
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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:
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| Savings for Paying Full Premium in Advance | Yes |
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Savings for Paying Full Premium in Advance Yes
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| Meets J-1 Visa Requirements | Yes |
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Meets J-1 Visa Requirements Yes
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| Overall Maximum Benefit | $5,000,000 |
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Overall Maximum Benefit $5,000,000
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| Maximum Benefit Per Injury or Illness | $500,000 |
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Maximum Benefit Per Injury or Illness $500,000
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| Deductible | $0 |
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Deductible $0
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| Travel Assistance Services | StudentSecure customers have access to travel and medical assistance 365 days a year. Emergency assistance is available 24/7. Services include:
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Travel Assistance Services StudentSecure customers have access to travel and medical assistance 365 days a year. Emergency assistance is available 24/7. Services include:
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| Policy Documents | Click here to view your policy documents. |
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Policy Documents |
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| Emergency Room Copayment (Claims Incurred in the U.S. Only) | $100 for the emergency room facility fee for treatment received in an emergency room |
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Emergency Room Copayment (Claims Incurred in the U.S. Only) $100 for the emergency room facility fee for treatment received in an emergency room
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| Physician Office Visit Copayment | $20 per visit within the PPO network or outside the U.S.; otherwise, $40 per visit |
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Physician Office Visit Copayment $20 per visit within the PPO network or outside the U.S.; otherwise, $40 per visit
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| Urgent Care Copayment | $30 per visit within the PPO network or outside the U.S.; otherwise, $60 per visit |
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Urgent Care Copayment $30 per visit within the PPO network or outside the U.S.; otherwise, $60 per visit
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| Student Health Center Copayment | $10 per visit |
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Student Health Center Copayment $10 per visit
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| Hospital Copayment – Inpatient and Outpatient | $75 per visit within the PPO network or outside the U.S.; otherwise, $150 per visit |
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Hospital Copayment – Inpatient and Outpatient $75 per visit within the PPO network or outside the U.S.; otherwise, $150 per visit
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| Coinsurance - Claims Incurred Inside the U.S. | |
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Coinsurance - Claims Incurred Inside the U.S. |
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| In-Network Payment | Within the PPO: We will pay 80% of the next $10,000 of eligible expenses after applicable copayments, then 100% to the overall maximum limit |
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In-Network Payment Within the PPO: We will pay 80% of the next $10,000 of eligible expenses after applicable copayments, then 100% to the overall maximum limit
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| 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. |
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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.
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| Coinsurance - Claims Incurred Outside the U.S. | We will pay 100% of eligible expenses, after applicable copayments, up to the overall maximum limit |
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Coinsurance - Claims Incurred Outside the U.S. We will pay 100% of eligible expenses, after applicable copayments, up to the overall maximum limit
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| *Pre-Existing Conditions | 6-month waiting period |
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*Pre-Existing Conditions 6-month waiting period
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| **Acute Onset of Pre-Existing Condition (see "Exclusions" tab for benefit description) | $25,000 lifetime maximum for eligible expenses |
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**Acute Onset of Pre-Existing Condition (see "Exclusions" tab for benefit description) $25,000 lifetime maximum for eligible expenses
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| Intensive Care Unit | Up to overall maximum limit |
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Intensive Care Unit Up to overall maximum limit
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| Hospital Room & Board | Average semi-private room rate, including nursing services |
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Hospital Room & Board Average semi-private room rate, including nursing services
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| Outpatient Treatment | Up to overall maximum limit |
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Outpatient Treatment Up to overall maximum limit
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| Local Ambulance (not subject to coinsurance) | Up to $750 per injury or illness, only when covered illness or injury results in hospitalization as inpatient |
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Local Ambulance (not subject to coinsurance) Up to $750 per injury or illness, only when covered illness or injury results in hospitalization as inpatient
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| Outpatient Prescription Drugs | Generic Drugs: 100% coinsurance Brand Name Drugs: 50% coinsurance Specialty Drugs: No coverage Oral Contraceptives: 50% coinsurance
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Outpatient Prescription Drugs Generic Drugs: 100% coinsurance Brand Name Drugs: 50% coinsurance Specialty Drugs: No coverage Oral Contraceptives: 50% coinsurance
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| Vaccinations (not subject to coinsurance) | Up to $150 Covered vaccinations and testing are:
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Vaccinations (not subject to coinsurance) Up to $150 Covered vaccinations and testing are:
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| Preventative Care | Up to $200 after 6 months of continuous coverage |
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Preventative Care Up to $200 after 6 months of continuous coverage
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| Maternity Care for Covered Pregnancy | Up to $15,000 lifetime maximum |
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Maternity Care for Covered Pregnancy Up to $15,000 lifetime maximum
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| Nursery Care of Newborn (not subject to coinsurance) | Up to $750 |
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Nursery Care of Newborn (not subject to coinsurance) Up to $750
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| Sports & Activities - Leisure, Recreational, Entertainment, or Fitness | Up to the overall maximum limit |
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Sports & Activities - Leisure, Recreational, Entertainment, or Fitness Up to the overall maximum limit
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| Intercollegiate, Interscholastic, Intramural, or Club Sports | Up to $5,000 maximum per injury or illness; medical expenses only |
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Intercollegiate, Interscholastic, Intramural, or Club Sports Up to $5,000 maximum per injury or illness; medical expenses only
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| Mental Health Disorders (treatment must not be provided at a student health center) | Physician Office Visit: Maximum of 40 visits Inpatient: Maximum of 40 days |
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Mental Health Disorders (treatment must not be provided at a student health center) Physician Office Visit: Maximum of 40 visits Inpatient: Maximum of 40 days |
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| 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 $75 per visit per day |
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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 $75 per visit per day
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| Emergency Dental Treatment (not subject to coinsurance) | Up to $500 |
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Emergency Dental Treatment (not subject to coinsurance) Up to $500
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| Terrorism | Up to $50,000 lifetime maximum, eligible medical expenses only |
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Terrorism Up to $50,000 lifetime maximum, eligible medical expenses only
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| All Other Eligible Medical Expenses | Up to the overall maximum limit |
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All Other Eligible Medical Expenses Up to the overall maximum limit
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| Emergency Medical Evacuation (not subject to coinsurance or overall maximum limit) | Up to $300,000 lifetime maximum |
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Emergency Medical Evacuation (not subject to coinsurance or overall maximum limit) Up to $300,000 lifetime maximum
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| Repatriation of Remains (not subject to coinsurance or overall maximum limit) | Up to $50,000 lifetime maximum |
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Repatriation of Remains (not subject to coinsurance or overall maximum limit) Up to $50,000 lifetime maximum
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| Accidental Death and Dismemberment (AD&D) (not subject to coinsurance or overall maximum limit) | Lifetime Maximum: $25,000 Death: $25,000 Loss of 2 Limbs: $25,000 Loss of 1 Limb: $12,500 Optional AD&D Rider: Additional $25,000 lifetime maximum |
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Accidental Death and Dismemberment (AD&D) (not subject to coinsurance or overall maximum limit) Lifetime Maximum: $25,000 Death: $25,000 Loss of 2 Limbs: $25,000 Loss of 1 Limb: $12,500 Optional AD&D Rider: Additional $25,000 lifetime maximum |
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| Emergency Reunion (not subject to coinsurance or overall maximum limit) | Up to $5,000, subject to a maximum of 15 days |
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Emergency Reunion (not subject to coinsurance or overall maximum limit) Up to $5,000, subject to a maximum of 15 days
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| Personal Liability (not subject to coinsurance or overall maximum limit) | Lifetime Maximum: $250,000 Third-Person Injury: Up to $250,000 Third-Person Property: Up to $250,000 Related Third-Person Property: Up to $2,500 |
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Personal Liability (not subject to coinsurance or overall maximum limit) Lifetime Maximum: $250,000 Third-Person Injury: Up to $250,000 Third-Person Property: Up to $250,000 Related Third-Person Property: Up to $2,500 |
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| Optional Crisis Response Rider - Ransom, Personal Belongings, and Crisis Response Fees and Expenses (not subject to coinsurance or overall maximum limit) | Up to $100,000 |
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Optional Crisis Response Rider - Ransom, Personal Belongings, and Crisis Response Fees and Expenses (not subject to coinsurance or overall maximum limit) Up to $100,000
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| Pre-Existing Conditions | Certain types of medical expenses are excluded from coverage under StudentSecure Elite 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 Elite 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. |
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| 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:
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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:
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Why You Need International Student Medical Insurance
Being away from home in a foreign country has its challenges, which might include getting medical care when you are sick. Your international student insurance can help you find a doctor and could reimburse you for unexpected healthcare costs you might face as you study abroad.
The StudentSecure Elite plan from WorldTrips is designed to:
- Ensure you meet your visa or school requirements. The Elite plan meets or exceeds requirements for most visas (including the J-1 visa) and satisfies requirements of many programs and universities. You’ll get a visa letter you can use as proof of coverage.
- Provides the most overall coverage. StudentSecure Elite’s overall maximum coverage limit is $5,000,000—the highest of the StudentSecure plans. It also provides the most benefits and higher benefit limits.
- Help you find a doctor, hospital, or pharmacy. Your plan comes with travel assistance services available 365 days a year. Give us a call if you need a referral or help navigating a travel or health emergency.
Quick Comparison: Make Sure StudentSecure Elite Is the Right Plan for You
| 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 | |
Why WorldTrips
Since 1998, WorldTrips has provided international student medical insurance and travel assistance to help students navigate the challenges they may experience as they study abroad. Facing a sudden emergency in an unfamiliar healthcare system can be overwhelming. That’s where the WorldTrips team can assist.
Our multilingual customer support representatives can help you find a doctor or hospital, arrange for translation assistance if necessary, and even consult with physicians during your hospitalization to provide medical status updates to your family members back home. These are just a few reasons why so many students buy international student insurance from WorldTrips.
Our travel experts have been featured in several national publications, including Forbes, CNBC, Condé Nast Traveler, USA Today, Nerd Wallet, and CNN Underscored. We were even listed as a “best travel insurance company” for 2024 by Forbes Advisor.
“WorldTrips is the best travel insurance company of 2024, based on our in-depth analysis of travel insurance policies."
How International Student Insurance Works in Action
- Before discharging you from the hospital following treatment for a severe allergic reaction, your doctor writes you a prescription for steroids that you need to take for the next week.
You head to the local pharmacy to pick up your prescription, knowing that your elite-level international student health insurance plan provides 100% coverage for eligible generic, outpatient prescription drugs.
- You’re exploring a busy marketplace when you accidentally bump into a vendor’s stall and knock over a pottery display. Several pieces of pottery are damaged beyond repair, resulting in a financial loss for the vendor.
You purchased the StudentSecure Elite plan—the only StudentSecure plan that provides coverage for personal liability. This means you will be covered for up to $250,000 of eligible expenses resulting from damage to third-person property.
- You’ve been studying abroad for nearly a year, and your mom encourages you to get a wellness exam to ensure you’re healthy.
StudentSecure Elite is the only StudentSecure international student insurance plan that offers preventative care benefits. After 6 months of continuous coverage, you are covered for up to $200 of eligible expenses resulting from preventative care, which could include a checkup at a local doctor’s office.
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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.