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Student Secure - Smart

Comprehensive | A++ (Superior) | WorldTrips

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COVID-19 Included

Acute Pre-Existing Condition Condition

Medical Coverage During Travel

Cancelable & Renewable

After the deductible, plan pays 80% of the first $100,000 then 100% of eligible medical expenses within the United Healthcare PPO network; outside the PPO network, plan pays URC of eligible medical expense up policy maximum

Available For: M, F, J, and OPT visa holders

For ages 14 days to 64 years

Must be residing outside home country for the purpose of pursuing international educational activities

Must be a full-time student

The Full-time Student / Scholar status requirement is waived for valid F1 (including those students on OPT) or J1 visa holders in the U.S.

Monthly Coverage Durations

Not applicable for dependents

Extendable in 30–365 day periods, up to a maximum of 4 years

Plan can be purchased after arrival at the destination

Residents & Citizens of UK may purchase coverage for a maximum of 119 days

Not available for following home countries: Cuba, Iran, North Korea, Ukraine

Not available for citizens of: Cuba, Ukraine

Not Available for the following Destination Countries:: Belarus, Congo, The Democratic Republic of, Cuba, Iran, Israel, Lebanon, North Korea, Palestinian Terr., Russia, South Sudan, Uganda, Ukraine

Not available to individuals who are physically located in the country of: Australia, Austria, Belgium, Bulgaria, Canada, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovak Republic, Slovenia, Spain, Sweden, United Kingdom

Plan Brochure | Description of Coverage | Plan FAQs | See Complete Benefits

Student Secure - Smart (A.M. Best Rating: A) is a travel medical insurance plan created for international students studying abroad. It provides affordable medical coverage, emergency assistance, and student-focused healthcare benefits, making it an excellent entry-level option for students who need dependable protection while keeping monthly costs low. Coverage is available from 30 days to 365 days.

While in the U.S., after the deductible is satisfied within the United Healthcare PPO network, the plan will pay 80% of eligible medical expenses up to $100,000, then 100% thereafter, up to the policy maximum. Outside of the PPO network, the plan will pay 100% of the URC in eligible medical expenses, up to the policy maximum.

Student Secure - Smart does not cover pre-existing conditions. Student Secure - Smart includes acute onset coverage of pre-existing conditions up to $25,000 lifetime maximum for eligible medical expenses.

Review the Student Secure - Smart policy documents for complete coverage details, exclusions, and limitations.

Eligible Medical Expenses

In-Network

80% of first $100,000, 100% thereafter

Out-Network

100% of URC

Pre-Existing Conditions

Pre-existing conditions are not covered unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions:

  • Diabetes: Not Covered
  • Hypertension: Not Covered
  • Heart Conditions: Not Covered

    Please review your policy document for any other limits or exclusions.

    • Acute onset Pre-Existing Condition

    up to $25,000

    Dr. / Physician Visit

    In-Network

    80% of first $100,000, 100% thereafter

    Out-Network

    URC up to policy maximum

    Urgent Care

    In-Network

    80% of first $100,000, 100% thereafter

    Out-Network

    urc up to Policy Maximum

    Surgical Treatment

    In-Network

    80% of first $100,000, 100% thereafter

    Out-Network

    URC up to policy maximum

    Prescription Drugs / Medicines

    In-Network

    50% of actual charges

    Out-Network

    50% of actual charges

    Lab & X-rays

    Out-Network

    URC up to policy maximum

    Hospital Room and Board

    In-Network

    Average semi-private room and rate

    Out-Network

    Average semi-private room and rate

    Dr. / Physician Visit

    In-Network

    80% of first $100,000, 100% thereafter

    Out-Network

    URC up to policy maximum

    Surgical Treatment

    In-Network

    80% of first $100,000, 100% thereafter

    Out-Network

    URC up to policy maximum

    Ambulance Expenses

    In-Network

    Up to $300

    Out-Network

    Up to $300

    Emergency Room

    In-Network

    80% of first $100,000, 100% thereafter

    Out-Network

    URC up to policy maximum

    Dental Emergency

    Up to $500

    US Border Entry Protection

    Not covered

    Emergency Medical Evacuation / Repatriation

    Up to $50,000

    Return of Mortal Remains

    Up to $25,000

    Trip Interruption

    No Coverage

    Trip Delay

    No coverage

    Lost Luggage

    No coverage

    Terrorism

    No coverage

    Personal Liability

    No coverage

    Identity Theft

    No coverage

    Legal Fees

    No coverage

    Lost or Stolen Passport

    No coverage

    Missed Connection

    No coverage

    COVID-19 Medical Coverage

    This plan covers COVID-19 like any other covered medical condition up to the policy maximum. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions.

    COVID-19 Testing

    Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date

    COVID-19 Vaccine/Booster

    No Coverage

    COVID-19 Quarantine Coverage

    No Coverage

    Plan Administrator Company

    WorldTrips

    Carrier / Underwriter

    TMHCC Insurance SPC Ltd and Houston Casualty Company

    AM Best Rating

    A++ (Superior)