StudentSecure Smart

WorldTrips

Student Secure Smart is an outstanding policy that safeguards students (under the age of 65) while studying abroad. Smart handles 80% of all eligible expenses up to $100,000 per injury or illness with an Overall Maximum of $200,000.

This international protection safeguards you from inpatient and outpatient medical charges experienced while away from home.  Smart coverage also handles a few of 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 $50,000. StudentSecure Smart provides reasonably priced protection while you pursue international education.

General

Coinsurance
Coinsurance - Claims incurred inside U.S. - Within the PPO: Pays 80% of eligible expenses after the deductible up to the overall maximum limit. Outside the PPO: Usual, reasonable, and customary. Claims incurred outside of U.S. - After the deductible, 100% of eligible expenses to the certificate period maximum.
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
50% of actual charge (not subject to deductible or coinsurance)
Diagnostic Procedures
Up to the Maximum Limit (Usual, reasonable and customary charges, subject to coinsurance & deductible)
Pre-Existing Conditions
Pre-existing condition - No Coverage. Acute Onset of Pre-existing Condition only (excludes chronic and congenital conditions) $25,000 lifetime maximum
Maternity
No coverage
Routine physical examination
No coverage
Physical Therapy
Up to $25 per visit per day
Ambulance
Up to $300 per injury / illness if hospitalized as inpatient
Emergency Room
Up to the Maximum Limit. Claims incurred in the U.S. only - Deductible $350
Hospital Indemnity
Dental Benefits

Unexpected pain to sound natural teeth
Emergency dental (Acute onset of pain) - 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
No coverage
Common Carrier Accidental Death
No coverage
Other Travel Benefits

Emergency Medical Evacuation
Up to $50,000 lifetime maximum
Return of Mortal Remains or Cremation/Burial
Repatriation of remains - Up to $25,000 lifetime maximum
Emergency Reunion
Up to $1,000, subject to a maximum of 15 days
Return of Minor Children
Not Covered
Trip Interruption
Not Covered
Loss Luggage
Not Covered
Terrorism
No coverage
Coverage Information
Plan Type
Comprehensive
Acute Onset
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.