WorldTrips StudentSecure Insurance

Updated on 4 min read

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Table of contents

Key Takeaways

  • Choose from four coverage levels. WorldTrips StudentSecure offers Smart, Budget, Select, and Elite plans for eligible students and scholars studying outside their home country.
  • Check your school’s requirements before buying. WorldTrips describes all four tiers as meeting J-1 insurance requirements, but school acceptance and waiver approval vary.
  • Compare more than the premium. All four plans have a $0 deductible, but copayments, coinsurance, coverage limits, and exclusions affect what you pay for care.
  • Benefits vary by tier. Maternity, organized sports, vaccinations, and pre-existing condition coverage differ, with waiting periods and limits applying to certain benefits.

Travel Medical Insurance for Students and Scholars

Studying abroad is an exciting opportunity, and the right medical insurance can help you prepare for the unexpected. The StudentSecure Insurance Plan from WorldTrips provides coverage for eligible international students and scholars studying outside their home country.

Choose from four plan levels, Smart, Budget, Select, and Elite, with different benefits and coverage limits to suit your needs and budget. All four include multilingual travel assistance, while benefits such as maternity care, organized sports, vaccinations, and pre-existing condition coverage vary by plan.

StudentSecure offers options that meet J-1 visa insurance requirements, but school requirements can differ. Before you buy, check that your chosen plan meets your school or program’s coverage and waiver requirements.

StudentSecure Plan Highlights

J-1 Coverage and School Waiver Guidance

All four plan levels meet J-1 insurance requirements. Check your school’s coverage and waiver requirements before buying.

Four Coverage Level Options

Choose from the Elite, Select, Budget, or Smart level of coverage to find a plan that suits your budget.

Medical Benefits

Coverage includes eligible medical expenses, prescriptions, and mental health treatment. Maternity, vaccination, and preventive care benefits vary by plan.

Sports Coverage

All plans include coverage for leisure and recreational sports, as well as intercollegiate and interscholastic sports on the Elite and Select plans.

StudentSecure Travel Health Coverage

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StudentSecure Medical Benefits

StudentSecure helps cover eligible medical expenses while you study abroad. Compare the four plan levels below, including coverage limits, doctor visit copayments, and the share of medical costs you may need to pay.

Benefit
Elite
Select
Budget
Smart
Coverage Maximums
$5 million overall; $500,000 per injury or illness
$1 million overall; $500,000 per injury or illness
$500,000 overall; $250,000 per injury or illness
$200,000 overall; $100,000 per injury or illness
Deductible
$0
$0
$0
$0
Physician Visit Copayment¹
$20 / $40
$50 / $100
$50 / $100
$75 / $150
U.S. In-Network Coinsurance²
Plan pays 80% of the first $10,000, then 100%
Plan pays 80% of the first $25,000, then 100%
Plan pays 80% of the first $45,000, then 100%
Plan pays 80% of the first $100,000, then 100%
Mental Health Treatment³
Up to 40 physician visits and 40 inpatient days
Up to 30 physician visits and 30 inpatient days
Up to 30 physician visits and 30 inpatient days
Up to $500 for physician visits and $5,000 for inpatient care
Pre-Existing Condition
Covered after 6 months of continuous coverage
Covered after 6 months of continuous coverage
Covered after 12 months of continuous coverage
Not covered, except qualifying acute onset
Maternity Care for a Covered Pregnancy
Up to $15,000 lifetime maximum
Up to $10,000 lifetime maximum
Up to $5,000 lifetime maximum
No coverage
Organized Sports⁴
Up to $7,500 per injury or illness
Up to $5,000 per injury or illness
Not covered
Not covered
Emergency Medical Evacuation
Up to $300,000 lifetime maximum
Up to $300,000 lifetime maximum
Up to $250,000 lifetime maximum
Up to $50,000 lifetime maximum
Repatriation of Remains
Up to $50,000 lifetime maximum
Up to $50,000 lifetime maximum
Up to $25,000 lifetime maximum
Up to $25,000 lifetime maximum

1 The first copayment applies within the U.S. PPO network or outside the U.S.; the second applies outside the PPO network within the U.S. Other copayments apply to services such as urgent care and hospital treatment. Amounts are per visit.

2 Applies to eligible expenses after copayments, up to applicable coverage limits. You pay the remaining 20% during the coinsurance period.

3 Mental health treatment must not be provided at a student health center. Smart’s inpatient benefit excludes drug and alcohol abuse.

4 Covers eligible medical expenses for intercollegiate, interscholastic, intramural, and club sports.

Selected benefits only. Coverage is subject to policy terms, exclusions, and limits. Unless stated otherwise, limits apply per certificate period.

How Much Does a StudentSecure Plan Cost?

For eligible students under age 25, StudentSecure rates start at $0.95 per day for coverage excluding the USA or $1.15 per day for coverage including the USA on the Smart plan. Your price depends on your age, plan level, coverage area, and coverage dates.

Coverage Including the USA

Compare daily rates by age group and plan level.

Maximum Limit
Elite
$5,000,000
Select
$1,000,000
Budget
$500,000
Smart
$200,000
Under 18 years
$6.54
$3.75
$2.01
$1.15
18-24 years
$6.54
$3.75
$2.01
$1.15
25-30 years
$13.48
$8.52
$3.78
$2.47
31-40 years
$29.03
$19.04
$8.94
$6.08
41-50 years
$51.32
$33.83
$17.46
$10.68
51-64 years
$68.81
$45.63
$23.54
$14.43

Daily rates per participant, effective April 1, 2026. Rates are subject to change.

Coverage Excluding the USA

Compare daily rates by age group and plan level.

Maximum Limit
Elite
$5,000,000
Select
$1,000,000
Budget
$500,000
Smart
$200,000
Under 18 years
$4.73
$2.83
$1.78
$0.95
18-24 years
$4.73
$2.83
$1.78
$0.95
25-30 years
$4.77
$2.99
$2.04
$1.25
31-40 years
$11.24
$7.23
$4.41
$3.09
41-50 years
$25.22
$16.34
$12.16
$5.49
51-64 years
$32.09
$20.68
$16.50
$7.96

Daily rates per participant, effective April 1, 2026. Rates are subject to change.

Which StudentSecure Plan Should You Choose?

The Select plan level offers a balance of cost and coverage, with higher coverage limits than Budget and Smart, plus benefits for eligible organized sports.

Consider the Elite plan level if you want lower out-of-pocket costs and additional benefits, including limited vaccination and preventive care coverage.

The Budget and Smart plan levels offer lower premiums, but come with lower coverage limits and greater cost sharing. Before choosing, check your school’s insurance requirements and compare the benefits that matter to you.

StudentSecure Travel Health Coverage

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Who Can Apply for a StudentSecure Plan?

To qualify for StudentSecure insurance, you must:

  • Be under age 65.
  • Be studying or conducting research abroad as one of the following:
    • A full-time student at a college or university, excluding online institutions.
    • Someone within 31 days of being a full-time college or university student.
    • A student under age 19 enrolled in a secondary school.
    • A full-time scholar affiliated with an educational institution, working or conducting research for at least 30 hours per week.
  • Live outside your home country to pursue international educational activities.
  • Not have obtained residency status in your host country.

Location Restrictions: StudentSecure is not available to individuals who are physically located in the states of New York, Maryland, or Washington or in the country of Canada or Australia at time of purchase.

If you are studying in the United States, you must hold a valid education-related visa. WorldTrips may request a copy of your I-20 or DS-2019.

The full-time student or scholar requirement is waived while you are in the U.S. with a valid F-1 visa, including OPT, or J-1 visa. Full-time status requirements still apply to M-1 and other visa categories. A copy of the I-20 or DS-2019 may be requested.

FAQs

  • Yes, the StudentSecure plan covers maternity care, but the extent of coverage depends on the selected plan level:

    • Elite: Up to $15,000 lifetime maximum
    • Select: Up to $10,000 lifetime maximum
    • Budget: Up to $5,000 lifetime maximum
    • Smart: No coverage

    In addition to maternity care, nursery care for newborns is also covered (if the delivery is covered) with the following limits:

    • Elite and Select: Up to $750
    • Budget: Up to $250
    • Smart: No coverage

    Please note that maternity care is only covered if the pregnancy begins after the effective date of the policy.

  • Yes. All four StudentSecure plans cover eligible medical expenses for recreational sports and fitness activities, subject to coverage limits and exclusions.

    Coverage for organized sports, including school, college, intramural, and club sports, depends on your plan:

    • Elite: Up to $7,500 per injury or illness for eligible medical expenses.
    • Select: Up to $5,000 per injury or illness for eligible medical expenses.
    • Budget and Smart: Organized sports are not covered.

    Some sports and activities are excluded. Check your plan’s Description of Coverage before taking part.

  • Emergency Dental Treatment: The plan pays up to $500 per certificate period for emergency dental care to relieve tooth pain or repair or replace natural teeth damaged or lost in a covered accident.

    Routine vision care, including eye exams, glasses, and contact lenses, is not covered.

  • You are free to visit any provider or facility you would like when seeking treatment under the StudentSecure plan. However, within the USA, you will see cost savings if you visit:

    • Student Health Center – most schools offer a student health center which should be your first option in seeking treatment (excluding mental health treatment
    • Your Preferred Provider Organization (PPO) network – WorldTrips will give you information about the preferred network, which will accept the StudentSecure Insurance plan

    When visiting the Student Health Center and PPO Network your insurance payments will be less, as per the full table of benefits.

  • Yes, students on OPT or CPT are eligible for the StudentSecure, even while on post-completion OPT, as long as you maintain valid F-1 status.

  • Yes, when you apply online through our website, WorldTrips will send all your documents to you immediately via email. You will then need to download these documents, print them off and show them as proof of coverage.

    Also, your account will be available through the Member Portal, so you can log in and access all your documents again anytime you need.

  • Yes. To receive a full refund, WorldTrips must receive your cancellation request before your coverage starts.

    After your coverage starts:

    • A $25 cancellation fee applies.
    • If you pay monthly, refunds cover unused full months.
    • If you paid in full, refunds cover unused days.
    • You cannot receive a refund if you have filed a claim.
    • No refunds are available after 60 days.

    Check your policy documents for the cancellation terms that apply to your plan.