Student Secure - Smart

Comprehensive Coverage, A.M. Best Rating: A
Underwriter: TMHCC Insurance SPC Ltd and Houston Casualty Company

Student Secure - Smart (A.M. Best Rating: A) is a travel medical insurance plan created for international students studying abroad. It provides affordable medical coverage, emergency assistance, and student-focused healthcare benefits, making it an excellent entry-level option for students who need dependable protection while keeping monthly costs low. Coverage is available from 30 days to 365 days.

While in the U.S., after the deductible is satisfied within the United Healthcare PPO network, the plan will pay 80% of eligible medical expenses up to $100,000, then 100% thereafter, up to the policy maximum. Outside of the PPO network, the plan will pay 100% of the URC in eligible medical expenses, up to the policy maximum.

Student Secure - Smart does not cover pre-existing conditions. Student Secure - Smart includes acute onset coverage of pre-existing conditions up to $25,000 lifetime maximum for eligible medical expenses.

Review the Student Secure - Smart policy documents for complete coverage details, exclusions, and limitations.

No optional add-on benefits on this plan.

How Student Secure - Smart Works

In Network

80%

After deductible, 80% of first $100,000, 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

Lab & X-Rays

100% up to Policy Maximum

Medical Evacuation

Up to $50000

Hospitalization

Average semi-private room and rate

Mental or Nervous Disorder

Included

Acute Onset of Pre-Existing Conditions

up to $25000

Lab & X-Rays

100% up to Policy Maximum

Emergency Dental Coverage

Up to $500

Medical Evacuation

Up to $50000

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 in 30–365 day periods, up to a maximum of 4 years
Plan can be purchased after arrival at the destination
Residents & Citizens of UK may purchase coverage for a maximum of 119 days

Optional add-on benefits No Optional add-on benefits
Extend Online
Cancellation & Refund Info
Claim Information
PPO Network
What is Not Covered (Exclusions)
Plan Brochure
Sample Description of Coverage

Eligible Medical Expenses

In-Network

80% of first $100,000, 100% thereafter

Out-Network

100% of URC

Available Policy Maximums

$200K

Limits may vary based on age or destination of traveler

Available Deductibles

Limits may vary based on age or destination of traveler

Pre-Existing Conditions

Pre-existing conditions are not covered unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions:

Diabetes: Not Covered

Hypertension: Not Covered

Heart Conditions: Not Covered

Please review your policy document for any other limits or exclusions.

Acute onset Pre-Existing Condition

up to $25,000

Dr. / Physician Visit

In-Network

80% of first $100,000, 100% thereafter

Out-Network

URC up to policy maximum

Urgent Care

In-Network

80% of first $100,000, 100% thereafter

Out-Network

urc up to Policy Maximum

Surgical Treatment

In-Network

80% of first $100,000, 100% thereafter

Out-Network

URC up to policy maximum

Prescription Drugs / Medicines

In-Network

50% of actual charges

Out-Network

50% of actual charges

Lab & X-rays

Out-Network

URC up to policy maximum

Hospital Room and Board

In-Network

Average semi-private room and rate

Out-Network

Average semi-private room and rate

Dr. / Physician Visit

In-Network

80% of first $100,000, 100% thereafter

Out-Network

URC up to policy maximum

Surgical Treatment

In-Network

80% of first $100,000, 100% thereafter

Out-Network

URC up to policy maximum

Ambulance Expenses

In-Network

Up to $300

Out-Network

Up to $300

Emergency Room

In-Network

80% of first $100,000, 100% thereafter

Out-Network

URC up to policy maximum

Dental Emergency

Up to $500

US Border Entry Protection

Not covered

Emergency Medical Evacuation / Repatriation

Up to $50,000

Return of Mortal Remains

Up to $25,000

Trip Interruption

Not covered

Trip Delay

Not covered

Lost Luggage

Not covered

Terrorism

Not covered

Personal Liability

Not covered

Identity Theft

Not covered

Legal Fees

Not covered

Lost or Stolen Passport

Not covered

Missed Connection

Not covered

COVID-19 Medical Coverage

This plan covers COVID-19 like any other covered medical condition up to the policy maximum. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions.

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 Vaccine/Booster

Not covered

COVID-19 Quarantine Coverage

Not covered

Please refer to the following article concerning the claim process:
Visitor Insurance Claim Process

You must meet the following criteria to be eligible for Student Secure - Smart:

Be a Full-time Student at a college or university, excluding online colleges and universities, or within 31 days of being a Full-time Student at a college or university; or be a Full-time Scholar affiliated with an educational institution and performing work or research for at least 30 hours per week. The Full-time Student/Scholar status requirement is waived for Participants within the US holding a valid F-1 visa. Full-time status requirements remain in force for individuals holding M-1, J-1, or other category visas.
Be residing outside Home Country for the purpose of pursuing international educational activities.
Not have obtained residency status in the Host Country.

Student Secure - Smart does not provide benefits for pre-existing condition. A pre existing condition is any Injury or Illness which, within the 12 months prior to the Effective Date of Coverage, manifested itself, exhibited symptoms, or required medical treatment or medication, or for which a Physician was consulted.

You can go to any doctor or hospital of your choice. If you would like, you can choose to go in the PPO network for Student Secure - Smart plan, which is the United Healthcare PPO Network.

You can search for doctors or hospitals in this Provider Directory.

Please refer to the following article about the policy usage:
How to Use Your Visitor Insurance

Each insurance company may have their own state-specific regulations on where plans can be sold. These state restrictions only impact residents from those specific states from purchasing these plans. However, if you are traveling to the United States, you will be covered in all 50 states during your active policy period.

Extensions must be completed within 30 days prior to the scheduled expiration date. Extensions may be transacted at any time after the initial effective date. Extensions are available up to 12 months at a time and the deductible and coinsurance must be re-satisfied every 12 months unless there is a break in coverage. Extensions must be made online with payment by credit card

To be eligible for a full refund, the request for cancellation must be received prior to the effective date. Cancellation requests received after the effective date will be subject to the following conditions:

A $25 cancellation fee will apply
Only premium for unused whole-months of the plan will be refunded
Only members who have no claims are eligible for premium refund
After 60 days, no refunds are granted

You cannot remove one person from the policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.

You will need names, coverage duration, date(s) of birth, home country address, and a valid credit card.

Student Secure - Smart is Administrated by WorldTrips. Visit WorldTrips's plan provider page for more information.

If you apply online, the application process generally takes about 10 minutes. If you submit an application by e-mail, fax or mail, it will be processed by the second business day that the completed application and correct premium are received.

Your fulfillment is your policy information. When you apply online for your policy, your fulfillment will be available in your Web browser immediately following the successful purchase of the plan. A copy of the fulfillment will also be sent to the e-mail address you provided on the application. Your fulfillment will include: a summary of benefits, name(s) of policy member(s), ID cards, receipt, and the description of coverage.

Coverage will be provided in all eligible countries visited with the exception of your Home Country and any restricted countries listed in the policy documentation. Coverage will only be offered within the policy start and end dates. Please note: If any part of your trip includes the United States, please select it as your destination country.

Student Secure - Smart can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.

Coverage will begin on the date selected and once the policyholder has left their home country. The policy will cover for new conditions that occur after the policy effective date. For pre-existing condition coverage, there may be a specified waiting period before coverage is provided. Please review the policy documents for any limits or exclusions.

No, however, your policy can go into effect as soon as one day after you enroll online.

No, your Student Secure - Smart plan won't be extended or renewed automatically. You have to sign into your account online and activate the extension or renewal yourself. Not all plans are extendable or renewable, so be sure to review your policy terms and conditions for eligibility.

The Student Secure - Smart plan does not cover for the COVID-19 vaccine/booster, but will cover COVID-19 treatment and services the same as any other eligible condition if contracted after the policy effective date. Preventative care related to COVID-19, like vaccines/boosters is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.

Student Secure - Smart will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered.

The Student Secure - Smart plan does not offer any coverage for quarantine.

Yes; to be eligible for Student Secure - Smart you must be a full-time student at a college or university excluding online colleges and universities, within 31 days of becoming a full-time student, or a full-time scholar affiliated with an education institution performing work or research for at least 30 hours per week.

Student Secure plans are available only for the primary visa holder. Dependents may purchase a separate standard travel medical insurance plan for the travel duration.

Yes. You can enroll in Student Secure - Smart Insurance plan regardless of how long you have been studying outside your home country, as long as you fulfill the eligibility requirements.

Yes. Student Secure - Smart Insurance covers the insured worldwide, except in your home country, as long as you fulfill the eligibility requirements.

No. Once you graduate and are no longer attending school, you are no longer eligible for Student Secure - Smart. You should instead enroll in a Visitors insurance Plan.

No, it does not provide pregnancy coverage.

The insurance provider recommends that you submit any correction requests in writing as your policy is a legally enforceable document. Following receipt of the correction, we send the request to the insurance provider; normally, the updates require 3-5 business days. They are processed in the order that they are received. We advise double-checking the information on the application before completing the purchase to prevent any errors and corrections.

Student Secure - Smart can cover Monkeypox and will treat it the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed your home country. For more information regarding Monkeypox and travel insurance, review the blog about Monkeypox.

The Student Secure - Smart plan does not cover for the Monkeypox vaccine, but will cover Monkeypox treatment and services the same as any other eligible condition if the virus was contracted after the policy effective date. Preventative care related to Monkeypox is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.

If your original payment method is invalid, please contact the insurance administrator directly at 800-605-2282 to update/edit your account details for a smooth refund process during cancellation.

The Air Doctor Benefit is a service that connects travelers with trusted medical professionals abroad, offering up to two cashless and claimless medical visits. Plans effective for more than six months are allocated three visits.

Through the Air Doctor platform, travelers can easily locate nearby doctors, book appointments, and choose between in-person or video consultations. Payments are handled directly, eliminating the need to pay upfront or file claims for reimbursement, making healthcare access abroad seamless and stress-free. This applies to policies purchased on or after January 15, 2025. Please review your plan's specific documents for any limits or exclusions.

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How COVID-19 is Covered Under Student Secure - Smart

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.

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Acute Onset of Pre-Existing Condition Coverage
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Outpatient Treatments
Maternity Care for Covered Pregnancies
Mental Health Disorders
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Base AD&D Coverage	Additional AD&D Coverage Available	Total AD&D Coverage Amount
$25,000	$25,000	$50,000

Crisis Response Benefit Rider

This rider allows you to purchase an additional $90,000 in Crisis Response coverage. As Atlas Travel provides $10,000 in Crisis Response coverage in the base plan, purchasing this rider would increase the total Crisis Response benefit to $100,000 for only $1.40 / person / day.

Base CR Coverage	Additional CR Coverage Available	Total CR Coverage Amount
$10,000	$90,000	$100,000

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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.

Age	Lifetime Maximum
0-49	$50,000
50-59	$30,000
60-64	$15,000

Student Secure - Smart

How Student Secure - Smart Works

In Network

Out of Network

Key Travel Medical Insurance Benefits

Eligibility

Medical Coverage

Pre-existing Conditions

Out-Patient

In-Patient

Emergency Services

Dental Coverage

Travel Coverage

COVID-19 Benefits