StudentSecure Elite

WorldTrips

StudentSecure Elite is an outstanding policy that protects students (under the age of 65) while studying abroad. Elite handles 100% of all eligible expenses up to a $500,000 maximum benefit per injury or illness. This international protection safeguards you from inpatient and outpatient medical charges experienced while away from home.

Elite coverage also handles the big costs that you may not be prepared to cover. For example, your policy will include an Emergency Medical Evacuation benefit of up to $500,000, a Terrorism benefit up to $50,000, and an AD&D benefit of $25,000.

Student Secure Elite takes care of all the troublesome medical costs you risk incurring while pursuing your academic dreams away from home.

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General

Coinsurance
Claims incurred inside U.S - Within the PPO: Pays 100% of eligible expenses, after the deductible, up to the overall maximum limit. Claims incurred outside of U.S - After the deductible, 100% of eligible expenses to the certificate period maximum.
Brochure
student-secure-brochure
Medical Benefits

Hospital Room and Board
Average semi-private room rate, including nursing services
Surgical Treatment
Up to the Maximum Limit (Usual, reasonable and customary charges, subject to coinsurance & deductible)
Intensive Care
Up to the Maximum Limit (Usual, reasonable and customary charges, subject to coinsurance & deductible)
Physician Visits
Up to the Maximum Limit (Usual, reasonable and customary charges, subject to coinsurance & deductible)
Surgical Treatment (Outpatient)
Up to the Maximum Limit (Usual, reasonable and customary charges, subject to coinsurance & deductible)
Prescription Medication
Outpatient prescription drugs - Generic Drugs: 100% coinsurance | Brand Name Drugs: 50% coinsurance | Specialty Drugs: No coverage.
Diagnostic Procedures
Up to the Maximum Limit (Usual, reasonable and customary charges, subject to coinsurance & deductible)
Pre-Existing Conditions
6-month waiting period | Acute Onset of Pre-existing Condition (excludes chronic and congenital conditions) $25,000 lifetime maximum
Maternity
Maternity care for a covered pregnancy, Up to $25,000
Routine physical examination
Not Covered
Physical Therapy
Up to $75 per visit per day
Ambulance
Up to $750 per injury / illness if hospitalized as inpatient
Emergency Room
Up to the Maximum Limit. Claims incurred in the U.S. only - Deductible $100
Hospital Indemnity
Dental Benefits

Unexpected pain to sound natural teeth
Up to $100. Not subject to coinsurance.
Accident related Emergency
Up to $250 maximum per tooth; $500 maximum per certificate period. Not subject to coinsurance.
Life Insurance

Accidental Death & Dismemberment
Lifetime Maximum - $25,000
Common Carrier Accidental Death
Other Travel Benefits

Emergency Medical Evacuation
Up to $500,000 lifetime maximum
Return of Mortal Remains or Cremation/Burial
Repatriation of remains - Up to $50,000 lifetime maximum
Emergency Reunion
Up to $5,000, subject to a maximum of 15 days
Return of Minor Children
Not Covered
Trip Interruption
Not Covered
Loss Luggage
Not Covered
Terrorism
Up to $50,000 lifetime maximum. Eligible medical expenses only.
Coverage Information
Plan Type
Comprehensive
Underwriter
TMHCC (CI) Insurance SPC Ltd and Houston Casualty Company (HC)
PPO Network
Covid-19 Coverage
Yes
Cancelable
Yes
Extendable
Yes
Adventure
No
Dependent Eligible
No

Disclaimer
Before making a final purchase, you must thoroughly read the policy information published by the insurance carrier, including their policy brochure and certificate. The insurance company's documents provide the definitive explanation of plan features, benefits, exclusions, limitations, claims handling, and other critical details. If you find any conflicts between our website and the insurance carrier’s documents, be advised the insurer’s documents take precedence.