Student Secure - Smart 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 - Smart can cover COVID-19 like any other covered medical condition if the virus was contracted after the policy effective date.
Please review Student Secure - Smart policy documents for complete coverage and exclusions.
Student Secure - Smart
Comprehensive Coverage, A.M. Best Rating: A
Lloyd's of London
How It Works
80%
In Network
80% 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 - 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.
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
Similar Plans
Collegiate Care Essential
Comprehensive Coverage, A.M. Best Rating: A
Underwriter: C&F Crum & Forster
Benefits
- COVID-19 Coverage
- After the deductible, within the United Healthcare PPO network plan pays 100% of the Preferred Allowance; outside the PPO network, plan pays 75% of URC
- $150,000 coverage per Injury or Illness
- Emergency Room Services
- Maternity & Pre-Natal Care Expense
- Sports Activities
- Pre-Existing Conditions
Eligibility
- For F1/J1 visa holders
- For ages 16 years to 40 years
- Must purchase for a minimum of 91 days for coverage
- You are "actively engaged" in education, teaching, or research activities if you are one of the following:
-Undergraduate - registered for and attending classes on a full-time basis
-Graduate Student
-Scholar or researcher who is invited by an educational organization
-Students involved in education, educational activities, or research-related activities - Extendable for up to 364 days
- Not Eligible for OPT
Purchase Restrictions
- Not available if Home Country/Country of Residences are: Antarctica (ATA), Nigeria (NGA) & United States (USA)
- Not available for Citizens of: United States (USA)
Plan FAQs
Student Health Advantage - Standard
Comprehensive Coverage, A.M. Best Rating: A
Underwriter: SiriusPoint Speciality Insurance Corporation
Benefits
- COVID-19 Coverage
- 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 $300,000 per incident for individuals and groups, $100,000 for their dependents
- Repatriation for Medical Treatment
- Maternity coverage
- Optional Adventure Sports Rider
Eligibility
- For J1, M1, F1 or A1 visa holders
- For ages 31 days 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
- Extendable for up to 365 days
Purchase 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)
- Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Niger (NER), Nigeria (NGA) & Sierra Leone (SLE)
- Not Available for Purchase from the Following U.S. States/Territories: Maryland (MD) & New York (NY)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.
Plan FAQs
Benefits
- After the deductible, plan pays 80% up to the policy maximum within the United Healthcare PPO network; outside the PPO network, plan pays URC for eligible medical expenses
- $200,000 per policy period, $100,000 per incident
- Deductible - Inside PPO: $250, Outside PPO: $500 per injury/illness
- Emergency Room Services
- Sports & Activities Coverage
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 14 days 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
- Extendable for up to 364 days
Purchase 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 states of: Maryland (MD), New York (NY) & Washington (WA)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states. - Not available to individuals who are physically located in the country of: Canada or Australia
Plan FAQs
Benefits
- COVID-19 Coverage
- After the deductible, plan pays 80% of first $25,000 within the United Healthcare PPO network, then 100%; outside the PPO network, plan pays URC up to the policy maximum
- $600,000 per policy period, $300,000 per incident
- Deductible - Inside PPO: $50, Outside PPO: $150 (Emergency Room deductible - $250)
- 12 months pre-existing condition waiting period
- Emergency Room Services
- Wellness Benefit Coverage
- Maternity Care for a Covered Pregnancy
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 14 days 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
- Extendable for up to 364 days
Purchase 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 states of: Maryland (MD), New York (NY) & Washington (WA)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states. - Not available to individuals who are physically located in the country of: Canada or Australia
Plan FAQs
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.
