International Student Insurance – StudentSecure Select Plan
StudentSecure Select Plan
Studying abroad offers endless benefits, from personal growth to academic advancement. But there are other types of benefits to consider, too—international student insurance benefits.
WorldTrips’ StudentSecure® Select international student medical insurance offers the second highest coverage limits of our StudentSecure plans. This plan may be an option for students looking for higher benefit limits who don’t want the Elite plan’s coverage for vaccines, preventative care, and personal liability. StudentSecure Select meets J-1 visa requirements, includes a $0 deductible, and offers savings for paying in full.
Here are some highlights that set StudentSecure Select international student insurance apart from the other StudentSecure international student travel health plans:
- Overall maximum limit of $1,000,000
- Higher coverage limits than Budget and Smart for many benefits
- Medical coverage for intercollegiate, interscholastic, intramural, or club sports
- Accidental Death & Dismemberment (AD&D) benefit of up to $25,000
Discover the Benefits of StudentSecure Select International Student 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 | $1,000,000 |
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Overall Maximum Benefit $1,000,000
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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) | $200 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) $200 for the emergency room facility fee for treatment received in an emergency room
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| Physician Office Visit Copayment | $50 per visit within the PPO network or outside the U.S.; otherwise, $100 per visit |
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Physician Office Visit Copayment $50 per visit within the PPO network or outside the U.S.; otherwise, $100 per visit
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| Urgent Care Copayment | $50 per visit within the PPO network or outside the U.S.; otherwise, $100 per visit |
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Urgent Care Copayment $50 per visit within the PPO network or outside the U.S.; otherwise, $100 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 | $100 per visit within the PPO network or outside the U.S.; otherwise, $200 per visit |
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Hospital Copayment – Inpatient and Outpatient $100 per visit within the PPO network or outside the U.S.; otherwise, $200 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 $25,000 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 $25,000 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 | 50% of actual charges - not subject to coinsurance
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Outpatient Prescription Drugs 50% of actual charges - not subject to coinsurance
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| Vaccinations (not subject to coinsurance) | No coverage |
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Vaccinations (not subject to coinsurance) No coverage |
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| Preventative Care | No coverage |
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Preventative Care No coverage
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| Maternity Care for Covered Pregnancy | Up to $10,000 lifetime maximum |
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Maternity Care for Covered Pregnancy Up to $10,000 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 30 visits Inpatient: Maximum of 30 days |
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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 |
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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 $50 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 $50 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) | No coverage |
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Personal Liability (not subject to coinsurance or overall maximum limit) No coverage |
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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 Select 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. |
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Pre-Existing Conditions Certain types of medical expenses are excluded from coverage under StudentSecure Select 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. |
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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 | $1,000,000 |
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Overall Maximum Benefit $1,000,000
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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) | $200 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) $200 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 |
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Physician Office Visit Copayment $50 per visit within the PPO network or outside the U.S.; otherwise, $100 per visit
|
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| Urgent Care Copayment | $50 per visit within the PPO network or outside the U.S.; otherwise, $100 per visit |
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Urgent Care Copayment $50 per visit within the PPO network or outside the U.S.; otherwise, $100 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 | $100 per visit within the PPO network or outside the U.S.; otherwise, $200 per visit |
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Hospital Copayment – Inpatient and Outpatient $100 per visit within the PPO network or outside the U.S.; otherwise, $200 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 $25,000 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 $25,000 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 | 50% of actual charges - not subject to coinsurance
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Outpatient Prescription Drugs 50% of actual charges - not subject to coinsurance
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| Vaccinations (not subject to coinsurance) | No coverage |
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Vaccinations (not subject to coinsurance) No coverage |
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| Preventative Care | No coverage |
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Preventative Care No coverage
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| Maternity Care for Covered Pregnancy | Up to $10,000 lifetime maximum |
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Maternity Care for Covered Pregnancy Up to $10,000 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 30 visits Inpatient: Maximum of 30 days |
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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 |
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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 $50 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) | No coverage |
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Personal Liability (not subject to coinsurance or overall maximum limit) No coverage |
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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 Select 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 Select 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:
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Why You Need International Student Insurance
The StudentSecure Select international student insurance plan from WorldTrips is designed to:
- Help you satisfy your school or visa requirements. The StudentSecure Select plan meets the requirements of many programs and universities and meets or exceeds requirements for most visas, including the J-1 visa. You can download a visa letter to use as proof of coverage.
- Provide higher coverage limits. StudentSecure Select’s overall maximum coverage limit is $1,000,000—the second highest of the StudentSecure plans. Select offers some coverage that StudentSecure Budget and StudentSecure Smart do not, including an Accidental Death and Dismemberment (AD&D) benefit and an Intercollegiate, Interscholastic, Intramural, or Club Sports benefit.
- Provide support. Your international student insurance plan comes with travel assistance services available 365 days a year. Give us a call if you need a doctor, hospital, or pharmacy referral or help navigating a travel or health emergency.
Quick Comparison: Make Sure StudentSecure Select 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 Choose WorldTrips?
WorldTrips has been in the international student insurance business for over 25 years. We understand that a study abroad trip may be a student’s first time away from home for an extended period. That’s why we offer the coverage that programs and universities require alongside the customer experience that you would want.
Our multilingual team of client service representatives can help you find a doctor or hospital, arrange for translation assistance if necessary, and even consult with physicians during a hospitalization to provide medical status updates to your family back home. We know that studying abroad has its challenges, and we’re here to provide support as you navigate the unknown.
Our travel experts have been featured in several national publications, including Forbes, CNBC, Condé Nast Traveler, USA Today, Nerd Wallet, and CNN Underscored. Forbes Advisor even included us as a “best travel insurance company” in 2024.
“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
- While studying abroad, you come down with a severe case of pneumonia that lands you in a hospital intensive care unit (ICU).
Your StudentSecure Select international student health insurance plan includes an Intensive Care Unit benefit with coverage up to your overall maximum limit. That means that you have up to $1,000,000 of coverage for eligible expenses resulting from your stay in the ICU, which could include daily room and board charges, nursing services, and more.
- You seek treatment for a sinus infection and your physician writes you a prescription for outpatient antibiotics.
You head to the local pharmacy to pick up your prescription, knowing that your StudentSecure Select health plan will cover 50% of actual charges for an outpatient prescription stemming from a covered injury or illness.
- You’re playing a game of intramural basketball at one of the university gyms when you fall and fracture your wrist.
Your StudentSecure Select international student health insurance plan includes an Intercollegiate, Interscholastic, Intramural, or Club Sports benefit that provides up to $5,000 of coverage for medical expenses resulting from a covered injury.
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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.