StudentSecure Smart Insurance starts at Just $1/day (2026), Affordable Student health insurance for international students

Name: StudentSecure Smart International Student Insurance
Brand: WorldTrips
Availability: InStock

What Is StudentSecure Smart Insurance?

StudentSecure Smart by WorldTrips is an affordable international student health insurance plan designed for eligible students studying outside their home country. The plan provides coverage for eligible medical expenses related to illnesses and injuries, including doctor visits, hospitalization, emergency medical evacuation, repatriation of remains, outpatient prescription drugs, and eligible mental health services. StudentSecure Smart is designed to help international students manage unexpected healthcare costs and meets J-1 visa insurance requirements while providing essential medical protection during their studies.

StudentSecure Smart Insurance Is Designed for International Students Seeking:

Affordable student health insurance coverage with essential medical benefits for students studying abroad
Coverage for eligible medical expenses, including physician visits, hospital treatment, emergency services, and ambulance services
Emergency travel protection benefits, including emergency medical evacuation and repatriation of remains coverage
Additional healthcare benefits, including outpatient prescription drug coverage and eligible mental health services
Budget-friendly coverage options that allow students to select a plan based on their healthcare needs while studying internationally

How Much is StudentSecure Smart Insurance Coverage?

StudentSecure Smart insurance offers a policy maximum, which is the total cumulative amount of benefits available during the certificate period. Once this maximum is reached, no further benefits are payable.

Certificate period maximum: $200,000
Maximum benefit per injury or illness: $100,000

What is the Coinsurance in StudentSecure Smart Health Insurance?

Coinsurance is the percentage of eligible medical expenses that StudentSecure Smart pays after the deductible (if any) has been met.

Inside the PPO Network: StudentSecure Smart pays 80% of eligible expenses up to $100,000 , then 100% of eligible expenses up to the plan’s maximum limit.
Outside the PPO Network: Eligible expenses are paid based on Usual, Reasonable, and Customary (URC) charges. The insured student is responsible for any costs that exceed the payable amount.

Why Should I Buy StudentSecure Smart Insurance?

StudentSecure Smart Insurance from WorldTrips provides affordable international student health insurance coverage for full-time students and scholars studying outside their home country. The plan is designed to help cover eligible medical expenses related to unexpected injuries and illnesses, including hospitalization, physician visits, emergency medical evacuation, and other covered healthcare services. StudentSecure Smart meets J-1 visa insurance requirements and offers essential medical protection for students seeking budget-friendly coverage while studying abroad.

Top reasons to choose the StudentSecure Smart plan include:

Designed for international students and scholars studying outside their home country, including eligible participants who require J-1 visa insurance coverage.
Provides coverage for eligible medical expenses, including physician visits, hospitalization, and treatment for covered injuries and illnesses.
Offers a $0 deductible, allowing eligible students to receive covered benefits without paying a deductible before coverage applies.
Provides an overall maximum benefit of $200,000 and a maximum benefit of $100,000 per injury or illness, based on the selected plan terms.
Includes coverage for eligible acute onset of pre-existing conditions subject to plan terms, conditions, and limitations.
Provides emergency medical evacuation benefits to help cover transportation expenses for covered medical emergencies.
Includes repatriation of remains benefits in the event of a covered death while traveling or studying abroad.
Offers some mental health coverage and outpatient prescription drug benefits as outlined in the plan certificate.
Provides access to a PPO provider network to help students locate participating healthcare providers in the United States.

Who Is Eligible for StudentSecure Smart Travel Insurance?

Eligible participants must be up to 65 years of age.
Applicants must be full-time students enrolled at an accredited college or university (excluding online-only institutions), within 31 days of becoming a full-time student, or a full-time scholar affiliated with an educational institution and performing at least 30 hours per week of academic work or research.
The full-time student or scholar requirement is waived for participants in the U.S. holding a valid F-1 visa, including students on Optional Practical Training (OPT), or a valid J-1 visa. Full-time status requirements continue to apply for individuals with M-1 or other visa categories.
Participants must be residing outside their home country while pursuing international education or academic activities.
Participants must not have obtained permanent residency or residency status in their host country.
Students studying in the U.S. must hold a valid education-related visa. A copy of the I-20 or DS-2019 document may be requested for verification.

How Much Does StudentSecure Smart Insurance Cost Per Month?

The StudentSecure Smart insurance cost per month is starting at just $53 to $236 per month for students studing in USA. premiums varying based on the traveler's age, trip duration, selected coverage limit, and deductible. The Student Secure Budget plan offers medical maximum of $500,000 with $0 deductible. Both monthly and annual payment options are available.

Below is the monthly cost of StudentSecure Smart insurance of coverage with a $0 deductible

Student age	18 - 24 years	25 - 30 years	31 - 40 years
Medical maximum $200,000	$32	$67	$167
Sports coverage	Covers recreational sports and activities
Repatriation of remains	covered for up to $25k lifetime maximum
Maternity coverage	Not available
Pre-existing condition	Covers acute onset of pre-existing condition up to $25,000

Student Secure Smart student insurance cost ranges from $25 to $ 148 for students studying outside USA. This is dependent on the factors namely age of the student, the plan maximum and the deductible. Student Secure Smart student insurance offers $200,000 medical maximum with $0 deductible.

For example here we are showing Student Secure Smart cost per month with $0 deductible.

Student age	Medical Maximum $200,000
14 days to 24 years	$25
25 – 30 years	$34
31 – 40 years	$83
41 – 50 years	$148

What Are the Benefits of StudentSecure Smart Insurance?

Hospital Room & Board help	Average semi-private room rate, including nursing services
Intensive Care help	Up to the overall maximum limit
Outpatient Treatment	Up to the overall maximum limit
Outpatient Prescription Drug	50% of actual charge (not subject to coinsurance)
Outpatient Physical Therapy & Chiropractic Care	Up to $25 per visit per day
Therapeutic Termination of Pregnancy	Up to $500. (Not subject to coinsurance)
Emergency Dental Treatment	Up to $500
Emergency local ambulance	Up to $300 per injury / illness only when covered illness/ injury results in hospitalization as inpatient
Mental Health Disorders help	Physician Office Visit: $500 maximum Inpatient: : Up to $5,000(excludes drug abuse and alcohol abuse)

Student Health Center Copayment	$25 per visit
Physician Office Visit Copayment	$75 per visit within the PPO network outside the U.S.; otherwise, $150 per visit
Urgent Care Center Copayment	$100 per visit within the PPO network or outside the U.S.; otherwise, $200 per visit
Emergency room co-payment (Claims incurred in the U.S. only)	$350 for the emergency room facility fee for treatment received in an emergency room
Hospital Copayment Inpatient and Outpatient	$200 per visit within the PPO network or outsidethe U.S.; otherwise, $400 per visit

Emergency medical evacuation help Up to $50,000 lifetime maximum

Emergency Reunion help Up to $1,000, subject to a maximum of 15 day

Repatriation of remains Up to $25,000 lifetime maximum
Pre-Existing Conditions Covered after 12 months of waiting period
Sports & Activities - Leisure, Recreational, Entertainment or Fitness Up to the overall maximum limit

StudentSecure Smart Insurance – PPO Network

Provider network and how to find hospital or doctor?

A Preferred Provider Organization (PPO) is a network of highly qualified doctors, well-recognized hospitals, medical providers/facilities who are contracted by WorldTrips to offer services to insureds. This will help reduce the insured’s out-of-pocket costs. StudentSecure Smart travel medical insurance PPO Network is United Healthcare network.

When seeking treatment within the U.S., you may reduce your out-of-pocket costs by visiting a doctor within your preferred provider organization (PPO). A PPO is a network of hundreds of thousands of established, highly qualified medical practitioners and well-recognized hospitals in the U.S.

StudentSecure Smart Insurance for International Students - FAQ's

Can F-1 visa students purchase StudentSecure® Smart?

Eligible F-1 visa students may purchase StudentSecure Smart if they meet the plan eligibility requirements.

Is it possible to renew StudentSecure Smart Insurance?

Yes, International students can renew StudentSecure Smart Insurance online up to 12 months.

Does StudentSecure Smart Insurance cover students studying abroad?

If the plan is designed for overseas education, it may provide coverage while studying abroad, subject to policy conditions.

Is StudentSecure Smart accepted for student visa requirements?

StudentSecure plans meet or exceed many government and visa requirements and are accepted by many educational institutions. Students should confirm specific requirements with their university or visa authority.

Does StudentSecure Smart cover students outside their home country?

Yes. The plan is specifically designed for students and scholars pursuing education outside their home country.

What Are the Exclusions of StudentSecure Smart Insurance?

Pre-existing conditions are generally not covered, except for eligible acute onset of pre-existing conditions as specifically defined and limited by the plan.
Medical treatment that is not considered medically necessary or is not related to a covered injury or illness is excluded.
Routine or preventive care, including regular physical examinations, vaccinations, and wellness checkups, is not covered unless specifically included in the plan benefits.
Elective or cosmetic procedures, including treatments that are not medically necessary, are excluded.
Dental treatment is generally excluded except for eligible emergency dental treatment covered under the plan terms.
Eye examinations, routine vision care, and corrective lenses are not covered except for eligible conditions specified in the plan.
Pregnancy, maternity, and childbirth-related expenses are subject to plan limitations and exclusions.
Injuries or illnesses resulting from illegal activities, self-inflicted injuries, or participation in excluded hazardous activities may not be covered.
Treatment received outside the plan’s coverage area or after the coverage period has ended is excluded.
Expenses related to war, military service, terrorism, or certain acts of violence may be excluded according to the plan certificate.
Medical treatment that is experimental, investigational, or not approved according to accepted medical standards is excluded.

StudentSecure Smart Medical Insurance