| Q1: How do I file a claim? Please refer to the following article concerning the claim process:
Visitor Insurance Claim Process |
| Q2: Who is eligible to buy Student Secure - Elite Insurance? You must meet the following criteria to be eligible for Student Secure - Elite: - Be a Full-time Student at a college or university, excluding online colleges and universities, or within 31 days of being a Full-time Student at a college or university; or be a Full-time Scholar affiliated with an educational institution and performing work or research for at least 30 hours per week. The Full-time Student/Scholar status requirement is waived for Participants within the US holding a valid F-1 visa. Full-time status requirements remain in force for individuals holding M-1, J-1, or other category visas.
- Be residing outside Home Country for the purpose of pursuing international educational activities.
- Not have obtained residency status in the Host Country.
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| Q3: Does Student Secure - Elite Insurance cover pre-existing conditions? After 6 months of continuous coverage, Student Secure - Elite will provide benefits for pre-existing condition. A pre existing condition is any Injury or Illness which, within the 12 months prior to the Effective Date of Coverage, manifested itself, exhibited symptoms, or required medical treatment or medication, or for which a Physician was consulted. |
| Q4: Which doctor or hospital can I go to? You can go to any doctor or hospital of your choice. If you would like, you can choose to go in the PPO network for Student Secure - Elite plan, which is the United Healthcare PPO Network. You can search for doctors or hospitals in this Provider Directory. |
| Q5: How do I use this insurance? Please refer to the following article about the policy usage:
How to Use Your Visitor Insurance |
| Q6: Why are there state restrictions and will it impact me if I visit one of those states? Each insurance company may have their own state-specific regulations on where plans can be sold. These state restrictions only impact residents from those specific states from purchasing these plans. However, if you are traveling to the United States, you will be covered in all 50 states during your active policy period. |
| Q7: How do I extend my coverage? Extensions must be completed within 30 days prior to the scheduled expiration date. Extensions may be transacted at any time after the initial effective date. Extensions are available up to 12 months at a time and the deductible and coinsurance must be re-satisfied every 12 months unless there is a break in coverage. Extensions must be made online with payment by credit card |
| Q8: Can I cancel my coverage? 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 premium for unused whole-months of the plan will be refunded
- Only members who have no claims are eligible for premium refund
- After 60 days, no refunds are granted
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| Q9: Can I cancel only one person from the policy? You cannot remove one person from the policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms. |
| Q10: What information do I need to purchase this insurance?
You will need names, coverage duration, date(s) of birth, home country address, and a valid credit card.
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| Q11: How will my proof of insurance be sent to me? If you apply online, the application process generally takes about 10 minutes. If you submit an application by e-mail, fax or mail, it will be processed by the second business day that the completed application and correct premium are received. |
| Q12: When I apply online, when do I get my fulfillment? Your fulfillment is your policy information. When you apply online for your policy, your fulfillment will be available in your Web browser immediately following the successful purchase of the plan. A copy of the fulfillment will also be sent to the e-mail address you provided on the application. Your fulfillment will include: a summary of benefits, name(s) of policy member(s), ID cards, receipt, and the description of coverage. |
| Q13: What if I am traveling to multiple countries, will I be covered? Coverage will be provided in all eligible countries visited with the exception of your Home Country and any restricted countries listed in the policy documentation. Coverage will only be offered within the policy start and end dates. Please note: If any part of your trip includes the United States, please select it as your destination country. |
| Q14: Does Student Secure - Elite cover coronavirus? Student Secure - Elite can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub. |
| Q15: Is there a waiting period for coverage to begin on my travel medical plan? Coverage will begin on the date selected and once the policyholder has left their home country. The policy will cover for new conditions that occur after the policy effective date. For pre-existing condition coverage, there may be a specified waiting period before coverage is provided. Please review the policy documents for any limits or exclusions. |
| Q16: I need coverage to begin as soon as possible. Is it possible for my Student Secure - Elite policy to go into effect the day I enroll? No, however, your policy can go into effect as soon as one day after you enroll online. |
| Q17: Will my Student Secure - Elite plan be extended /renewed automatically? No, your Student Secure - Elite plan won't be extended or renewed automatically. You have to sign into your account online and activate the extension or renewal yourself. Not all plans are extendable or renewable, so be sure to review your policy terms and conditions for eligibility. |
| Q18: Does the Student Secure - Elite plan cover for the coronavirus vaccine/boosters? The Student Secure - Elite plan can cover up to $150 for the COVID-19 vaccine/booster. The Student Secure - Elite plan will cover COVID-19 treatment and services the same as any other eligible condition if contracted after the policy effective date. Please sign in to your account to view your plan specific documents for any limits or exclusions. |
| Q19: Does the Student Secure - Elite plan cover for coronavirus testing? Student Secure - Elite will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered. |
| Q20: Does the Student Secure - Elite plan provide quarantine coverage? The Student Secure - Elite plan does not offer any coverage for quarantine. |
| Q21: Do I have to be a full-time student to purchase your Student Secure - Elite Insurance? Yes; to be eligible for Student Secure - Elite you must be a full-time student at a college or university excluding online colleges and universities, within 31 days of becoming a full-time student, or a full-time scholar affiliated with an education institution performing work or research for at least 30 hours per week. |
| Q22: Are student dependents eligible for coverage? Student Secure plans are available only for the primary visa holder. Dependents may purchase a separate standard travel medical insurance plan for the travel duration. |
| Q23: Can I buy Student Secure - Elite Insurance if I am already studying outside my home country? Yes. You can enroll in Student Secure - Elite Insurance plan regardless of how long you have been studying outside your home country, as long as you fulfill the eligibility requirements. |
| Q24: Will my Student Secure - Elite Insurance cover me if I travel outside the U.S.? Yes. Student Secure - Elite Insurance covers the insured's worldwide, except in your home country, as long as you fulfill the eligibility requirements. |
| Q25: After graduation, I plan to remain in the U.S. for practical training. Am I still eligible for coverage under Student Secure - Elite? No. Once you graduate and are no longer attending school, you are no longer eligible for Student Secure - Elite. You should instead enroll in a Visitors insurance Plan. |
| Q26: Does Student Secure - Elite cover pregnancy? Yes, it covers the pregnancy of an insured student or enrolled spouse if the pregnancy begins during the coverage period up to $25,000. It does not cover the pregnancy of a dependent child. |
| Q27: Who is the plan administrator for Student Secure - Elite? Student Secure - Elite is Administrated by WorldTrips. Visit WorldTrips's plan provider page for more information. |
| Q28: Why do corrections take 3-5 business days and can't be a quick fix? The insurance provider recommends that you submit any correction requests in writing as your policy is a legally enforceable document. Following receipt of the correction, we send the request to the insurance provider; normally, the updates require 3-5 business days. They are processed in the order that they are received. We advise double-checking the information on the application before completing the purchase to prevent any errors and corrections. |
| Q29: What is the Intercollegiate, Interscholastic, Intramural, or Club Sports benefit and what does it cover? The Intercollegiate, Interscholastic, Intramural, or Club Sports benefit provides coverage up to $7,500 for new injuries or illnesses sustained while participating in sanctioned sports. |
| Q30: What is the Accidental Death & Dismemberment Rider and what does it cover? The Accidental Death & Dismemberment rider is available for policyholders between the ages of 18 to 69 and must be purchased at the time of application. The rider increases the base amount of AD&D coverage in a policy. The AD&D benefit is not subject to the overall policy maximum. AD&D coverage provides benefits in the event of your death or loss of limb due to an accident. As Atlas Travel provides $25,000 in AD&D coverage to Members aged 18 to 69 in the base plan, this rider would increase the total AD&D benefit to $50,000 for only $0.35 / person / day. PLEASE NOTE: It does not cover certain activities and conditions, as listed in the policy. Please review policy documents for limits and restrictions. |
| Q31: What is the Crisis Response Rider and what does it cover? The Crisis Response Rider allows a policyholder to purchase an additional $90,000 in Crisis Response coverage and must be purchased at the time of application. As Atlas Travel provides $10,000 in Crisis Response coverage in the base plan, purchasing this rider would increase the total Crisis Response benefit to $100,000 for only $1.40 / person / day. |
| Q32: Does Student Secure - Elite cover Monkeypox? Student Secure - Elite can cover Monkeypox and will treat it the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed your home country. For more information regarding Monkeypox and travel insurance, review the blog about Monkeypox. |
| Q33: Does Student Secure - Elite cover for the Monkeypox vaccine? The Student Secure - Elite plan does not cover for the Monkeypox vaccine, but will cover Monkeypox treatment and services the same as any other eligible condition if the virus was contracted after the policy effective date. Preventative care related to Monkeypox is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions. |
| Q34: My credit card expired how do I receive my refund? If your original payment method is invalid, please contact the insurance administrator directly at 800-605-2282 to update/edit your account details for a smooth refund process during cancellation. |
| Q35: What is the Air Doctor Benefit, and how does it work? The Air Doctor Benefit is a service that connects travelers with trusted medical professionals abroad, offering up to two cashless and claimless medical visits. Plans effective for more than six months are allocated three visits.
Through the Air Doctor platform, travelers can easily locate nearby doctors, book appointments, and choose between in-person or video consultations. Payments are handled directly, eliminating the need to pay upfront or file claims for reimbursement, making healthcare access abroad seamless and stress-free. This applies to policies purchased on or after January 15, 2025. Please review your plan's specific documents for any limits or exclusions. |