StudentSecure Insurance

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, StudentSecure covers medical expenses for injuries or illnesses sustained while participating in leisure, recreational, entertainment, or fitness activities, up to the overall maximum limit. For details on excluded sports and activities, please refer to the StudentSecure Description of Coverage.

Coverage for organized sports varies by plan:

• Elite and Select: Include up to $5,000 per injury or illness for intercollegiate, interscholastic, intramural, or club sports.
• Budget and Smart: Do not provide coverage for intercollegiate, interscholastic, intramural, or club sports.

Be sure to check the plan details to find the right fit for your needs.

The StudentSecure plan does not provide any coverage for vision. Accidental dental is covered if you suffer an accident to your teeth and need to have dental surgery with coverage of $250 per tooth up to a maximum of $500 on all plans. Regular dental check-ups or visits are not covered. However if you do have unexpected dental pain the plan will pay $100 towards expenses for treatment for this pain. If you require a more comprehensive dental insurance plan, please see our dental plans.

Usual Reasonable and Customary is a term that insurance companies use to describe a limitation on their responsibility to pay for eligible medical expenses. Basically, URC refers to the fee typically charged by a provider for a specific procedure in a specific geographic area. So if a particular procedure typically costs $5,000 in the New York City area, and most providers customarily charge about $5,000 for that procedure, the insurance company will not pay your provider in New York City $10,000 for the same exact procedure. Instead, they will limit their payment amount to “Usual Reasonable and Customary” – in this example, $5,000.

For every three months of coverage, the StudentSecure provides you with coverage for up to 15 days for medical expenses if you return to your home country for an incidental visit. To receive the benefit, once you have arrived home, you must return abroad within 15 days – either to the host country or another country en route to your host country. Please also note that the return to your home country cannot be taken for the purpose of receiving medical treatment for an injury or illness that began when you were abroad. This coverage does not roll over; for each three-month period you have 15 days of home country coverage

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
• 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.

Claims will be paid depending on where you are located and where you seek treatment:

• In-network while inside the USA – When you visit a provider that is part of the plan network your insurance bill is typically paid directly, without the need for an insurance claim form. This setup will depend on the particular provider you go to. You will need to ask the provider before you seek treatment.
• Out-of-network while inside the USA – When you visit a provider that is outside the network, you will need to pay for all services upfront and then submit a claim form for reimbursement.
• Outside the USA – When visiting a provider around the world, please pay for the services upfront and then submit a claim form for reimbursement.

If you have a planned hospitalization are hospitalized for an emergency, call the 24-hour emergency assistance number located on the back of your insurance ID card. WorldTrips customer service will assist you with settling the hospital bills.

Lloyd’s, the largest and oldest insurance market in the world, is the insurer of StudentSecure. Rated A (Excellent) by AM Best Company and ‘A+’ (Strong) by Standard and Poor’s, Lloyd’s provides financial strength and security that is unparalleled in the worldwide insurance market and is recognized as a market leader in the accident and health insurance arena for its stability, innovative products and services. Presently, Lloyd’s provides accident and health insurance to millions of individuals in almost every country of the world.

The StudentSecure plan will cover you as an international student or study abroad student anywhere in the world, as long as you are outside of your home country.

If you are a student in the USA on an F-1 or J-1 visa, you are automatically eligible for StudentSecure Insurance. Outside of those visa categories, or if you are using the plan anywhere in the world, you need to be a full-time student or scholar, or within 31 days of being a full-time student. You also must not have residency status in your host country.

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.

Full-time Scholars who are outside their home country and affiliated with an educational institution and performing work or research for at least 30 hours per week are eligible for the StudentSecure plan. These activities may include but not be limited to performing research in an area of specialty or teaching for a temporary period of time. This requirement is waived for participants within the US holding a valid F-1 visa.

You can purchase your plan six months in advance of when you would like your policy to begin. The first premium will be charged immediately upon applying to the policy. If you pay monthly, the first premium will be charged when you apply and the second premium will be charged one month after your plan has begun.

Yes, when you apply online through our website and make sure the “online fulfillment” option is selected, 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, within a few hours of applying online, your account will be available through the Student Zone, so you can log in and access all your documents again anytime you need.

You can apply for StudentSecure insurance coverage to start from today’s date or any date in the future. Just select your date on the application form.

The StudentSecure Elite and Select plans include benefits that provide payments in the event you should pass away while covered under the plan. The beneficiary is the person who you designate to receive these funds should this happen. Typically you would name your mother, father, brother, sister or husband or wife as a beneficiary. However, you can put any name you wish to be your beneficiary, including your estate.

After your initial purchase, you may extend your coverage through the Student Zone on the WorldTrips site.

You can renew your plan within the last 6 months of a 12-month Certificate Period. Deductible and Coinsurance must be re-satisfied as of each renewal date.

Extensions and renewals must be made online with payment by credit card. For additional information on extending or renewing your plan, please visit the Student Zone.

To be eligible for a full refund, the request for cancellation must be received prior to the effective date. Cancellation requests received after the effective date will be subject to the following conditions:

A $25 cancellation fee will apply.

Only the unused full months of the plan cost will be refunded.

Only members who have no claims are eligible for a premium refund.

After 60 days, no refunds are granted.

If you have only purchased 1 month's coverage and cancel within that month, no refund will be due.

StudentSecure Insurance from WorldTrips offers the option of using a Preferred Provider Organization (PPO) network in the United States. Subscribers in the US who use a PPO will find a reduction in cost.