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,Rated A (Excellent)
Lloyd's of London
How It Works
100%
In Network
100% up to policy maximum
100%
Out of Network
100% of URC
Key Benefits
COVID-19 Included
Acute onset of Pre-Existing Conditions
Extendable & Cancelable
PPO
Medical Evacuation
Urgent Care
Medical Coverage During Travel
Comprehensive Coverage Plan
Coverage from 30 days to 364 days
How COVID-19 is Covered Under Student Secure - Elite
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.
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 Vaccination/Booster
COVID-19 vaccination/booster is not covered under the policy.
Quarantine Benefit
No Coverage
Emergency Medical Evacuation
Emergency Medical Evacuation for COVID-19 treatment can be covered if the virus is contracted after the policy effective date.
Eligibility
- Available For: M, F, J, and OPT visa holders
- For ages 1 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
Restrictions
- Not Available for the following Destination Countries: Iran (IRN), North Korea (PRK), Russia (RUS) & Ukraine (UKR)
- Not available if Home Country/Country of Residences are: Cuba (CUB), Iran (IRN) & North Korea (PRK)
- Not available for Citizens of: Cuba (CUB) & Iran (IRN)
- Not available to individuals who are physically located in the states of: Maryland (MD), New York (NY) & Washington (WA)
- Not available to individuals who are physically located in the country of Australia (AUS) & Canada (CAN)
Similar Plans
Student Health Advantage - Platinum
Comprehensive Coverage, Rated A- (Excellent)
Underwriter: Sirius Specialty Insurance Corporation
Benefits
- COVID-19 Coverage
- After the deductible, plan pays 100% of eligible medical expenses within the PPO network; outside the PPO network, plan pays 80% for first $5,000, and 100% thereafter
- Long-term medical coverage up to 5 years
- Coverage for $500,000 per incident for individuals and groups, $100,000 for their dependents
- Maternity coverage
- Pre-existing Conditions
- $25 Deductible per Injury or Illness (Outside U.S. and in U.S. PPO Network)
- Optional Adventure Sports Rider
Eligibility
- For J1, M1, F1 or A1 visa holders
- For ages 31 days old to 64 years
- Be a participant: a student, scholar, intern, teacher, or trainee enrolled in an educational or cultural exchange program for the purposes of teaching, study, research, or receiving on the job training for a temporary period of time
- Be the spouse of a participant or children of a participant and residing outside his/her primary country of residence for a temporary period of time. Primary applicant must hold a J1, M1, F1 or A1 visa, and spouse must apply with primary applicant - they cannot apply alone
- Be physically and legally residing in the destination country with the intent to reside there for at least 30 days on the effective date and at renewal
- Not be hospitalized, disabled, pregnant, or HIV+ on the initial effective date
- Meets student visa requirements
- Premiums for this plan are charged per 30 days of coverage and do not work on a prorated basis. Please note that coverage is valid only for the specific travel dates selected
Restrictions
- Not Available for the following Destination Countries: Belarus (BLR), Russia (RUS) & Ukraine (UKR)
- Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Sierra Leone (SLE), Syria (SYR), Venezuela (VEN) & Virgin Islands (USA) (VIR)
- Not Available for Addresses from the Following U.S. States/Territories: Maryland (MD) & New York (NY)
- Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Kosovo (XKX), Niger (NER), Nigeria (NGA) & Sierra Leone (SLE)
Student Secure - Budget
Comprehensive Coverage, Rated A (Excellent)
Underwriter: Lloyd's of London
Benefits
- COVID-19 Coverage
- After the deductible, plan pays 80% up to $25,000 and then 100% of eligible medical expenses within the 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
Eligibility
- Available For: M, F, J, and OPT visa holders
- For ages 1 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
Restrictions
- Not Available for the following Destination Countries: Iran (IRN), North Korea (PRK), Russia (RUS) & Ukraine (UKR)
- Not available if Home Country/Country of Residences are: Cuba (CUB), Iran (IRN) & North Korea (PRK)
- Not available for Citizens of: Cuba (CUB) & Syria (SYR)
- Not available to individuals who are physically located in the states of: Maryland (MD), New York (NY) & Washington (WA)
- Not available to individuals who are physically located in the country of Australia (AUS) & Canada (CAN)
Benefits
- COVID-19 Coverage
- After the deductible, plan pays 85% up to $10,000 then 100% within the PPO network; outside the PPO network, plan pays the URC for eligible medical expenses
- $500,000 per policy period, $500,000 per incident
- Deductible - Inside PPO: $25, Outside PPO: $100 (Emergency Room deductible - $100)
- 6-month pre-existing condition waiting period
- Emergency Room Services
- Wellness Benefit Coverage
- Maternity Care for a Covered Pregnancy
- Sports & Activities Coverage
- Optional Intercollegiate, Interscholastic, Intramural, or Club Sports Rider
- Optional Vaccination Benefit Rider
Eligibility
- For U.S. and Non-U.S. Citizens
- Full-time students at secondary schools, colleges or universities (excluding those online), those who will be full-time students at a college or university within 31 days
- Full-time scholars affiliated with an educational institution and performing work or research for at least 30 hours per week
- For ages 1 to 64 years
- Meets J-Visa requirements
- Students residing outside their home country for the purpose of pursuing international educational activities
- Those who have not obtained residency status in the host country
- The Full-time Student/Scholar status requirement is waived for Participants within the US holding a valid F-1 or J-1 visa. Full-time status requirements remain in force for individuals holding M-1, or other category visas
Restrictions
- Not Available for the following Destination Countries: Cuba (CUB), Iran (IRN), North Korea (PRK) & Syria (SYR)
- Not available if Home Country/Country of Residences are: Cuba (CUB), Iran (IRN), North Korea (PRK) & Syria (SYR)
- Not available for Citizens of: Cuba (CUB), Iran (IRN), North Korea (PRK) & Syria (SYR)
- Not available to individuals who are physically located in the country of: Cuba (CUB), Iran (IRN), North Korea (PRK) & Syria (SYR)
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.
