Student Secure - Elite is a Travel Medical insurance plan that provides health coverage for international students. The plan is designed to provide basic medical coverage, emergency services, evacuation and repatriation, and more for International Students, Scholars while abroad.
Student Secure - Elite can cover COVID-19 like any other covered medical condition if the virus was contracted after the policy effective date.
Please review Student Secure - Elite policy documents for complete coverage and exclusions.
Student Secure - Elite
Comprehensive Coverage,
Lloyd's of London
Learn more about 2 optional add-on benefits available on this plan.
How Student Secure - Elite Works
In Network
80%
After deductible, 80% of first $10000, 100% thereafter
Out of Network
100%
After deductible, 100% of URC
Key Travel Medical Insurance Benefits
Here are some of the top benefits, for your convenience*
Acute Onset of Pre-Existing Conditions
up to $25000
Emergency Dental Coverage
Up to $500
Physician Visits
Included
Prescription
Included
Pre-Existing Condition
6month waiting period
Medical Evacuation
Up to $300000
Hospitalization
Average semi-private room and rate
Mental or Nervous Disorder
Included
Acute Onset of Pre-Existing Conditions
up to $25000
Pre-Existing Condition
6month waiting period
Emergency Dental Coverage
Up to $500
Medical Evacuation
Up to $300000
Physician Visits
Included
Hospitalization
Average semi-private room and rate
Prescription
Included
Mental or Nervous Disorder
Included
*Note: Benefit amounts shown are based on In-Network coverage. Please consult your specific policy documents for precise coverage limits, benefits and exclusions. Optional add-on benefits are available for an additional charge.
Eligibility
- 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 for up to 364 days
- Plan can be purchased after arrival at the destination
How COVID-19 is Covered Under Student Secure - Elite
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COVID-19 Medical Expenses
Medical treatment and services related to COVID-19 can be covered in the event that the virus was contracted after the policy effective date.
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COVID-19 Testing
Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date.
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COVID-19 Vaccination/Booster
COVID-19 vaccination/booster can be covered under the vaccination benefit in the policy for up to $150.
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Quarantine Benefit
No Coverage
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Emergency Medical Evacuation
Emergency Medical Evacuation for COVID-19 treatment can be covered if the virus is contracted after the policy effective date.
Similar Plans
Student Health Advantage - Platinum
Comprehensive Coverage
Underwriter: SiriusPoint Speciality Insurance Corporation
In Network:90% of first $1000, 100% thereafter.
Out of Network:80% up to policy maximum.
Direct Billing: Through United Healthcare PPO Network
In Network:90% of first $1000, 100% thereafter.
Out of Network:80% up to policy maximum.
Direct Billing: Through United Healthcare PPO Network
- After the deductible, plan pays 90% of eligible medical expenses up to $1,000, then 100% thereafter within the United Healthcare PPO network; Outside the PPO network, plan pays 80% of eligible medical expense up to the policy maximum
- Long-term medical coverage up to 5 years
- Coverage for $500,000 per incident for individuals and groups, $100,000 for their dependents
- Repatriation for Medical Treatment
- Maternity coverage
- Pre-existing Conditions
- $25 Deductible per Injury or Illness (Outside U.S. and in U.S. PPO Network)
- Optional Adventure Sports Rider
- COVID-19 Coverage
Optional add-on benefits
Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.
Adventure Sports Rider
The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes:any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; whitewater kayaking or whitewater rafting in water less than Class V difficulty; wildlife safaris; and windsurfing. The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes:any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling; amusement/theme park activities; BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; wakeboarding; water skiing; wildlife safaris; and windsurfing.
| Age | Lifetime Maximum |
| 0-49 | $50,000 |
| 50-59 | $30,000 |
| 60-64 | $15,000 |
Device Protection Rider
The optional Device Protection Rider offers coverage for replacement or reimbursement for Loss, theft, or repair services for damages, including accidental damage, liquid damage, malfunction, and/or screen break, of an Insured PersonâÃÂÃÂs cellular phone during normal usage of the Insured PersonâÃÂÃÂs cellular phone during the period of coverage. Replacement parts will be new, rebuilt, or non-original manufacturer's parts that perform to the factory specifications of the device at the Service ProviderâÃÂÃÂs sole discretion.
Disclaimer:
Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
Student Secure - Budget
Comprehensive Coverage
Underwriter: Lloyd's of London
In Network:80% of first $45000, 100% thereafter.
Out of Network:100% of URC.
Direct Billing: Through United Healthcare PPO Network
In Network:80% of first $45000, 100% thereafter.
Out of Network:100% of URC.
Direct Billing: Through United Healthcare PPO Network
- After the deductible, plan pays 80% up to $45,000 and 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
- Acute Onset of Pre-Existing Condition Coverage
- Pre-Existing Condition: 12-month waiting period
- Outpatient Treatments
- Maternity Care for Covered Pregnancies
- Mental Health Disorders
- Sports & Activities
- Emergency Medical Evacuation
- Coverage up to 364 days (Renewal for up to 4 years of continuous coverage)
- Optional Intercollegiate, Interscholastic, Intramural, or Club Sports Rider
- COVID-19 Coverage
- No optional add-on benefits available
Optional add-on benefits
Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.
Disclaimer:
Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
Disclaimer
Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.
