Memphis Theological Seminary
Our Student Secure plan is a great option for students at Memphis Theological Seminary, as it provides comprehensive coverage designed specifically for international students.
The plan comes in four levels; Smart, Budget, Select and Elite and offers inpatient and outpatient medical coverage up to $200,000 (smart), $500,000 (budget), $600,000 (select) or $5 million (elite). You can purchase the plan for up to 364 days initially, with renewability options for up to 4 years while still a student.
Highlights of the Student Secure plan include:
- Up to $5,000,000 policy maximum
- As low as $25 deductible
- Prescription Medication
- Mental Health/ Maternity
- Pre-Existing Conditions
- COVID-19, covered as any other illness
- Direct payment in the UnitedHealthcare Network
- 24-hour emergency multilingual support
- Worldwide coverage outside your home country
- Same day coverage available
Need your documents now? If you need your insurance documents quickly, you can Buy your coverage and receive all your insurance documents online and to your email address in PDF format immediately. Simply download and print these documents for instant proof of coverage.
Student Secure | Benefits
| Benefits | Smart | Budget | Select | Elite |
|---|---|---|---|---|
| Overall Maximum Limit Overall Maximum Limit. | $200,000$200k | $500,000$500k | $600,000$600k | $5,000,000$5M |
|
MaximumMax.
per injury/ illness |
$100,000$100k | $250,000$250k | $300,000$300k | $500,000$500k |
|
Deductible
per injury/ illness Inside PPO Network, Outside USA or at Student Health Center (Except Emergency Room) |
$50 | $45 | $35 | $25 |
|
Deductible
per injury/ illness All other locations (Except Emergency Room) |
$100 | $90 | $70 | $50 |
|
ER Deductible
claims incurred in the USA |
$350 | $350 | $200 | $100 |
| Provider Network | Doctor/Hospital Search | |||
|
Coinsurance
Co-Ins.
– In Network, Inside the USA |
80% Coverage after the Deductible | 80% Coverage up to $25,000$25k, then 100% up to the Overall Maximum LimitMax., after the Deductible | 80% Coverage up to $5,000$5k, then 100% up to the Overall Maximum LimitMax., after the Deductible | 100% of Eligible Expenses, up to the Overall Maximum Limit, after the Deductible |
|
Coinsurance
Co-Ins.
– Out of Network, Inside the USA |
Usual, Reasonable, and Customary (URC) | |||
|
Coinsurance
Co-Ins.
– Outside the USA |
100% of Eligible Expenses after the Deductible | |||
| Hospital Room & Board | Average Semi-Private Room Rate, including nursing services | |||
|
Local Ambulance
per injury/ illness if hospitalized as Inpatient Not subject to coinsurance |
Up to $300 | Up to $500 | Up to $750 | Up to $750 |
| Intensive Care Unit | Up to Overall Maximum Limit | |||
| Outpatient Treatment | Up to Overall Maximum Limit | |||
|
Outpatient Prescription Medication
Not subject to deductible or coinsurance |
50% of Actual Charge | 50% of Actual Charge | 50% of Actual Charge |
|
| For those members with a US destination, you will be automatically enrolled into the VantageAmerica Drug Discount program — further details below | ||||
|
Vaccination
Not subject to deductible or coinsurance |
No Coverage | No Coverage | No Coverage | $150 maximum applies to inbound coverage only |
|
Mental Health
– Outpatient Treatment must not be obtained at the Student Health Center |
Up to $50 per day $500 maximum |
Maximum of 30 visits.
Coverage includes drug and alcohol abuse. † |
Maximum of 30 visits.
Coverage includes drug and alcohol abuse. † |
Maximum of 30 visits.
Coverage includes drug and alcohol abuse. † |
|
Mental Health
- Inpatient Treatment must not be obtained at the Student Health Center |
Up to $5,000 |
Maximum of 30 days.
Coverage includes drug and alcohol abuse. † |
Maximum of 30 days.
Coverage includes drug and alcohol abuse. † |
Maximum of 30 days.
Coverage includes drug and alcohol abuse. † |
|
Dental treatment due to accident
Not subject to coinsurance |
$250 per tooth / $500 MaximumMax. | |||
|
Dental treatment to alleviate pain
Not subject to coinsurance |
$100 MaximumMax. | |||
| Pre-existing Condition | No Coverage | 12-monthmo. waiting period | 6-monthmo. waiting period | 6-monthmo. waiting period |
|
Acute Onset of Pre-existing Condition
(Excludes chronic and congenital conditions) |
Up to $25,000 lifetime maximum for eligible medical expenses | |||
|
Maternity
Maternity care for a covered pregnancy |
No Coverage | Up to $5,000 | Up to $10,000 | Up to $25,000 |
|
Newborn Care
Routine nursery care of newborn Not subject to coinsurance |
No CoverageN/A | $250 MaximumMax. | $750 MaximumMax. | $750 MaximumMax. |
|
Therapeutic Termination of Pregnancy
Not subject to coinsurance |
$500 MaximumMax. |
|||
|
Outpatient Physical Therapy & Chiropractic Care
P.T. & Chiro.
Not subject to coinsurance |
$25 per day | $50 per day | $50 per day | $75 per day |
|
Sports & Activities
Leisure, Recreational, Entertainment, Fitness |
Up to the Overall Maximum Limit | |||
|
Terrorism
Medical expenses only |
No CoverageN/A | $50,000$50k MaximumMax. | $50,000$50k MaximumMax. | $50,000$50k MaximumMax. |
|
Emergency Medical Evacuation
Emerg. Med. Evac. Not subject to deductible coinsurance, or overall maximum limit |
$50,000$50k | $250,000$250k | $300,000$300k | $500,000$500k |
|
Emergency Reunion
Emerg. Reun. Not subject to deductible coinsurance, or overall maximum limit |
$1,000 lifetime, subject to a maximum of 15 days | $1,000 lifetime, subject to a maximum of 15 days | $5,000 lifetime, subject to a maximum of 15 days | $5,000 lifetime, subject to a maximum of 15 days |
|
Accidental Death & Dismemberment
AD&D
Not subject to deductible coinsurance, or overall maximum limit |
No CoverageN/A | No CoverageN/A |
Principal Sum $25,000 Death or Loss of 2 Limbs — Principal Sum Loss of 1 Limb — Half of Principal Sum |
Principal Sum $25,000 Death or Loss of 2 Limbs — Principal Sum Loss of 1 Limb — Half of Principal Sum |
|
Repatriation of Remains
Not subject to deductible coinsurance, or overall maximum limit |
$25,000$25k | $25,000$25k | $50,000$50k | $50,000$50k |
|
Personal Liability
Not subject to deductible coinsurance, or overall maximum limit |
No CoverageN/A | No CoverageN/A | No CoverageN/A | $250,000$250k |
| Add-Ons: | ||||
|
Optional Sports Add-On
Intercollegiate, Intramural, Interscholastic, Club sports Max. per injury/illness - medical expenses only |
No CoverageN/A | $3,000 | $5,000 | $5,000 |
† Where indicated, coverage includes drug and alcohol abuse.
Pre-Existing Medical Conditions
Charges resulting directly or indirectly from any pre-existing conditions are excluded from this insurance during the first six (6) months of coverage on the Elite and Select, during the first twelve (12) months on the Budget, except charges resulting directly from an Acute Onset of Pre-existing Condition, an Emergency Medical Evacuation, or Repatriation of Remains, subject to the limits set forth in the Schedule of Benefits and Limits.
The Smart level does not cover pre-existing conditions, except charges resulting directly from an Acute Onset of Pre-existing Condition, an Emergency Medical Evacuation, or Repatriation of Remains, subject to the limits set forth in the Schedule of Benefits and Limits.”
Pre-existing Condition means any- condition for which medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received during the 12 months immediately preceding the certificate effective date
- condition that had manifested itself in such a manner that would have caused a reasonably prudent person to seek medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) within the 12 months immediately preceding the certificate effective date;
- injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 12 months immediately preceding the certificate effective date.
Acute Onset of Pre-Existing Condition
- Occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms; and
- Is of short duration; and
- Is rapidly progressive; and
- Requires urgent care.
- The Acute Onset of a Pre-existing Condition(s) occurs before the certificate effective date; or
- The pre-existing condition is a chronic or congenital condition or that gradually becomes worse over time; or
- The charges are for known, scheduled, required, or expected f care, drugs or treatments existent or necessary prior to the certificate effective date; or
- Expenses arise directly or indirectly from anything in the General Exclusions.
Medical Expenses
- Charges made by a hospital for:
- Daily room and board and nursing services not to exceed the average semi-private room rate; and
- Daily room and board and nursing services in Intensive Care Unit; and
- Use of operating, treatment or recovery room; and
- Services and supplies which are routinely provided by the hospital to persons for use while inpatients; and
- Emergency treatment of an injury or illness, even if hospital confinement is not required. However, charges for use of the emergency room itself within the U.S. will be subject to deductible as provided under the Schedule of Benefits and Limits.
- Surgery at an outpatient surgical facility, including services and supplies.
- Charges made by a physician for professional services, including surgery. Charges for an assistant surgeon are covered up to 20% of the usual, reasonable and customary charge of the primary surgeon, but standby availability will not be deemed to be a professional service and therefore is not covered hereunder.
- Dressings, sutures, casts or other supplies which are medically necessary and administered by or under the supervision of a physician, but excluding nebulizers, oxygen tanks, diabetic supplies, supplies that are available over the counter or without prescriptions, and support or brace appliances.
- Diagnostic testing using radiology, ultrasonographic or laboratory services (psychometric, intelligence, behavioral and educational testing are not included).
- Artificial limbs, eyes or larynx, breast prosthesis or basic functional artificial limbs, but not the replacement or repair thereof.
- Reconstructive surgery when the surgery is directly related to surgery which is covered hereunder.
- For radiation therapy or treatment and chemotherapy.
- Hemodialysis and the charges by the hospital for processing and administration of blood or blood components but not the cost of the actual blood or blood components.
- Oxygen and other gasses and their administration by or under the supervision of a physician.
- Anesthetics and their administration by a physician.
- Drugs which require prescription by a physician for treatment of a covered injury or illness, but excluding drugs: prescribed for the treatment of diabetes, replacement of lost, stolen, damaged, expired or otherwise compromised drugs.
- Care in a licensed extended care facility upon direct transfer from an acute care hospital.
- Home nursing care in bed by a qualified licensed professional, provided by a home health care agency upon direct transfer from an acute care hospital and only in lieu of medically necessary inpatient hospitalization.
- Emergency local ambulance transport necessarily incurred in connection with injury or illness resulting in inpatient hospitalization.
- Emergency dental treatment and dental surgery necessary to restore or replace sound natural teeth lost or damaged in an accident which was covered under this insurance.
- Emergency dental treatment necessary to resolve acute onset of pain, provided treatment is obtained within 24 hours of the acute onset of pain.
- Medically necessary rental of durable medical equipment (consisting of a standard basic hospital bed and or a standard basic wheelchair) up to the purchase prices.
- Physical therapy if prescribed by a physician for treatment of a covered injury or illness.
- Routine and medically necessary care of newborns as provided in the Schedule of Benefits, provided that the delivery of the newborn is covered hereunder.
- Pre-natal care, delivery of newborn, and post-natal care related to a covered pregnancy which began after the effective date of coverage with the Budget, Select and Elite.
- For treatment of mental health disorders (including drug abuse and alcohol abuse with the Budget, Select and Elite).
Emergency Medical Evacuation
- Emergency air transportation to a suitable airport nearest to the hospital where you will receive treatment; and
- Emergency ground transportation necessarily preceding emergency air transportation; and from the destination airport to the hospital where you will receive treatment.
- The illness or injury giving rise to the expense are covered under this insurance; and
- Medically necessary treatment, services and supplies cannot be provided locally; and
- Transportation by any other method would result in the loss of your life or limb; and
- Recommended by the attending physician who certifies to the above; and
- Agreed upon by you or your relative; and
- The condition giving rise to the Emergency Medical Evacuation occurred spontaneously and without advance warning, either in the form of physician recommendation or symptoms which would have caused a prudent person to seek medical attention prior to the onset of the emergency.
- Travel arrangements, excluding Emergency Local Ambulance, that are not approved in advance and coordinated by us; and
- Anything mentioned in the General Exclusions.
We will provide Emergency Medical Evacuation only to the nearest hospital that is qualified to provide the medically necessary treatment, services and supplies to prevent your loss of life or limb.
The timeliness of arrangements can be affected by circumstances which are not within our control such as: availability of transportation equipment and staff, delays or restrictions on flights caused by mechanical problems, government officials, telecommunications problems, weather and other acts of God. We shall not be held liable for any delays that are not within our direct and immediate control.
Notwithstanding the foregoing, and if you are visiting the U.S., we will pay for expenses to return you to your home country if the attending physician and our medical consultant agree that transfer to the home country is more appropriate than transfer to the nearest qualified hospital.
Repatriation of Remains
- Air or ground transportation of bodily remains or ashes to the airport or ground transportation terminal nearest your principal residence; and
- Reasonable costs of preparation of the remains necessary for transportation.
- Travel arrangements that are not approved in advance and coordinated by us; and
- Anything mentioned in the General Exclusions.
We are held harmless and shall not be held liable for loss of or any damage or other impairment to bodily remains incurred during the repatriation process or otherwise.
The timeliness of arrangements can be affected by circumstances which are not within our control such as:
availability of transportation equipment and staff, delays or restrictions on flights caused by mechanical problems, government officials, telecommunications problems, weather and other acts of God. You agree to hold us harmless and we shall not be held liable for any delays that are not within our direct and immediate control.
Emergency Reunion
- The cost of an economy round-trip air or ground transportation ticket for one relative for transportation to the terminal serving the area where you are hospitalized or are to be hospitalized following Emergency Medical Evacuation; and
- Reasonable expenses for lodging and meals for the relative, which are incurred in the area where you are hospitalized for a period not to exceed 15 days.
- Only following a covered Emergency Medical Evacuation, or
- You are hospitalized as an inpatient for at least five days due to a life-threatening covered condition.
Accidental Death and Dismemberment (Select and Elite only)
- Death — we will pay the amount indicated in the Schedule of Benefits to the beneficiary.
- Loss of 2 or more Limbs or eyes — we will pay the amount indicated in the Schedule of Benefits to you.
- Loss of 1 Limb or eye — we will pay one-half of the amount indicated in the Schedule of Benefits to you.
- Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease; and
- In no event will our payment under this benefit total more than the principal sum.
- Accidents or loss caused by or contributed to by any of the following:
- Terrorism, war or act of war, whether declared or undeclared.
- Your participation in a riot, insurrection or violent disorder.
- Your service in the armed forces of any country.
- Suicide or attempted suicide or self-inflicted injury, while sane or insane.
- The voluntary use of any chemical compound, poison or drug, unless used according to the directions of a physician.
- Committing or attempting to commit a felony.
- Sickness, mental health disorder, or pregnancy.
- As the result of intoxication as defined by the laws of the jurisdiction in which the accident occurred, whether directly or indirectly,
- Myocardial infarction or cerebrovascular accident (CVA / Stroke).
- Infection, except infection through a wound caused solely by an accident.
- Injury while riding, boarding, or alighting from an aircraft if you were operating the aircraft, learning to operate the aircraft, serving as a member of the aircraft crew, or if the aircraft was being used for any purpose other than passenger transportation.
- Medical or surgical treatment for any of the above.
- Any non-covered sports activities.
- Anything mentioned in the General Exclusions.
Accidental Death means a sudden, unintentional and unexpected occurrence caused solely by external, visible means resulting in physical injury to you and your subsequent death. Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease.
Accidental Dismemberment means a sudden, unintentional and unexpected occurrence caused solely by external, visible means and resulting in complete severance from the body of one or more limbs or eyes and not contributed to by illness or disease. For purposes of the Accidental Death and Dismemberment benefit, the term “limb” shall mean: the arm when the severance is at or above (toward the elbow) the wrist, or the leg when the severance is at or above (toward the knee) the ankle. Loss of eye(s) shall mean: complete, permanent, irrevocable loss of sight.
Beneficiary means the individual named in your application to be the recipient of any accidental death benefit.
Sports and Activities
-
Intercollegiate, Interscholastic, Intramural, or Club Sports Add-On (Budget, Select and Elite only)
We will paySubject to the limit set forth in the Schedule of Benefits and Limits, you are covered for injury or illness sustained while taking part in sanctioned intercollegiate, interscholastic, intramural, or club sports.We will not pay for claims arising directly or indirectly from
- Sports or athletics not sanctioned by your school; or
- Any activity performed in a professional capacity or for any wage, reward, or profit; or
- The injury or illness is sustained while you are not actively covered hereunder; or
- Anything mentioned in the General Exclusions.
-
Leisure, Recreational, Entertainment, or Fitness Sports and Activities
We will pay
Subject to the overall maximum limit, you are covered for injury or illness sustained while taking part in sports and activities, unless it is excluded below.
You must ensure the activity is adequately supervised and that appropriate safety equipment (such as protective headwear, life jackets etc.) are worn at all times.We will not pay for claims arising directly or indirectly from- Sports or athletics involving regular or scheduled practice and/or games; and
- Any activity performed in a professional capacity or for any wage, reward, or profit; and
- Anything mentioned in the General Exclusions; and
-
Any of the excluded items listed below:
- Aviation (except when traveling solely as a passenger in a commercial aircraft)
- Base Jumping
- BMX freestyle
- Bungee Jumping
- Free-Diving
- Hang-Gliding
- Jet Skiing
- Mountaineering where a reasonably prudent person would use ropes or guides or at elevations of 4,500 meters or higher
- Parachuting
- Racing by any Animal, Motorized Vehicle, or BMX
- Skateboarding
- Sky Diving
- Sky Surfing
- Snow Skiing and Snowboarding, except recreational downhill and/or cross country snow skiing or snowboarding (no cover provided while skiing away from prepared and marked in-bound territories and/or against the advice of the local ski school or local authoritative body)
- Spelunking
- Sub Aqua Pursuits involving underwater breathing apparatus unless accompanied by a certified instructor at depths less than 10 meters, or PADI/NAUI certified
- Surfing
- Whitewater Kayaking and Rafting
Personal Liability (Elite Only)
Up to the sum insured shown in the Schedule of Benefits and Limits (inclusive of legal costs and expenses) if you become legally liable to pay damages in respect of:
- Accidental bodily injury, including death, illness and disease to a third person; and/or
- Accidental loss of or damage to a third person’s material property (property that is both material and tangible); and/or
- Accidental loss of or damage to a related third person’s material property (property that is both material and tangible);
- Intentionally committed acts, or arising from the influence of alcohol or drugs not medically prescribed by a licensed physician;
- Bodily injury, illness or disease of any person under a contract of employment, service or apprenticeship with you when the bodily injury, illness or disease arises out of and in the course of their employment to you, or in connection with any trade, business or profession;
- Loss or damage to property belonging to or held in trust by or in the custody or control of you other than temporary accommodation occupied by you in the course of the trip;
- Bodily injury or damage caused directly or indirectly in connection with the ownership, possession or use by you or on behalf of you of: aircraft, hovercraft, watercraft, motorized vehicles, parachute, parasail, glider, firearms, fireworks, explosives, deadly weapons, or any racing activity;
- Any damages, losses or claims caused in whole or in part by you during any hunt or as a result of hunting;
- Bodily injury caused directly or indirectly in connection with the ownership, possession or occupation of land or buildings, immobile property or caravans or trailers;
- Damages resulting from any fire, flood, wind, hail, waterleak, gas leak, explosion or other catastrophe;
- Fraudulent, dishonest or criminal acts of you or any person authorised by you;
- The consequences of any breach, violation or failure to perform any contractual undertakings or obligations, whether verbal or in writing;
- Punitive or exemplary damages, or fines, penalties, assessments or claims by any governmental authorities or regulatory bodies;
- Gambling, gaming, or betting of any kind;
- Animals or pets belonging to you, or in your care, custody or control;
- Anything mentioned in the General Exclusions.
Specific Conditions
- You or your legal representatives will give us written notice immediately if you have received notice of any prosecution or inquest in connection with any circumstances which may give rise to liability under this section.
- No admission, offer, promise, payment or indemnity shall be made by or on behalf of you without our prior written consent.
- Every claim notice, letter, writ or process or other document served on you shall be forwarded to us and immediately upon receipt.
- We shall be entitled to take over and conduct in your name the defense or settlement of any claim or to prosecute in your name for our own benefit any claim for indemnity or damages against all other parties or persons.
- We may at any time pay you in connection with any claim or series of claims the sum insured (after deduction of any sums already paid as compensation) or any lesser amount for which such claim(s) can be settled. Once this payment is made we shall relinquish the conduct and control and be under no further liability in connection with such claim(s) except for the payment of costs and expenses recoverable or incurred prior to the date of such payment.
-
We will consider paying or advancing, but without any obligation or contractual duty to do so, up to $2,500 to you or for your benefit to settle and compromise an asserted claim against you so long as:
- The asserted claim is one that may be eligible for coverage under this insurance;
- A lawsuit has not yet been filed, or, if already filed, no response has been filed;
- You obtain a full written release and/or covenant-not-to-sue satisfactory to us; and
- A full proof of claim and other necessary documentation is satisfactorily provided to us.
Third Person means any individual, natural person, or other legal entity or person, other than you or a related third person.
Related Third Person means any individual or natural person who is your relative, your traveling companion a relative of such traveling companion, and any other person, individual or family member with whom you are residing or being hosted.
Terrorism (Budget, Select and Elite only)
- The injury or illness does not result from the use of any biological, chemical, cyber, radioactive or nuclear agent, material, device or weapon; and
- You have no direct or indirect involvement in the Act of Terrorism; and
- The Act of Terrorism is not in a country or location where the United States government has issued a travel warning that has been in effect within the 6 months immediately prior to your date of arrival; and
- You have not failed to depart a country or location within 10 days following the date a warning to leave that country or location is issued by the United States government.
-
Loss, damage, cost or expense directly or indirectly caused by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss, damage, cost or expense:
- war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power; and
- the use of any biological, chemical, radioactive or nuclear agent, material, device or weapon; however, this exclusion shall not apply where you are exposed to nuclear radioactive and/or radioactive material for the purpose of medical treatment; and
- any Act of Terrorism, not specifically covered above; and
- coverage for loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to (a), (b) or (c) above; and
- Anything mentioned in the General Exclusions.
If we allege that by reason of this exclusion, any loss, damage, cost or expense is not covered by this insurance, the burden of proving the contrary shall be upon you.
In the event any portion of this exclusion is found to be invalid or unenforceable, the remainder shall remain in full force and effect.
Cancellation
We hope you are happy with the cover this policy provides. However, if after reading it, this insurance does not meet with your requirements, please notify us of your wish to cancel and we will refund your premium.
Premiums will be refunded in full if cancellation request is received prior to the certificate effective date.
Premiums may be refunded after the certificate effective date subject to the following provisions:- A $25 cancellation fee will apply for administrative costs incurred by us; and
- Only premium for unused whole-months, if paying in monthly installments, or unused days, if paid in full, of the plan will be refunded; and
- You cannot have filed any claims to be eligible for premium refund; and
- No refund of premium shall be granted after 60 days.
Eligibility
-
You must be under age 65; and
- 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
- A student under age 19 enrolled in a secondary school; or
- A full-time scholar affiliated with an educational institution and performing work or research for at least 30 hours per week;
- You must be residing outside your home country for the purpose of pursuing international educational activities; and
- You must not have obtained residency status in your host country; and
- If in the U.S., you must hold a valid education-related visa. A copy of the I-20 or DS2019 may be requested.
J-1 and F-1 visa holders: The full-time student/scholar status requirement is waived within the U.S. if you have a valid F-1 visa (including OPT) or a J-1 visa. Full-time status requirements remain in force for individuals holding M-1, or other category visas.
Certificate Effective Date
Insurance hereunder is effective on the later of:- The moment we receive application and correct premium if application and payment is made online or by fax; or
- 12:01am U.S .Eastern Time on the date we receive application and correct premium if application and payment is made by mail; or
- The moment you depart from your home country; or
- 12:01am U.S. Eastern Time on the date requested on the application.
Certificate Termination Date
Insurance hereunder terminates on the earlier of:- 11:59pm U.S. Eastern Time on the last day of the period for which premium has been paid; or
- 11:59pm U.S. Eastern Time on the date requested on the application; or
- 12:01am U.S. Eastern Time on the date you no longer meet eligibility requirements; or
- The moment of arrival upon your return to your home country (unless you have started a benefit period or are eligible for home country coverage).
Benefit Period
While the certificate is in effect, the benefit period does not apply. Upon termination of the certificate, in accordance with this provision, we will pay eligible medical expenses for up to 60 days beginning on the first day of diagnosis or treatment of a covered injury or illness while you are outside your home country and while this certificate is in effect. The benefit period applies only to eligible medical expenses related to a condition for which you are hospitalized as an inpatient on the termination date of the certificate.
Home Country Coverage
Benefit Period — In the event you begin a benefit period while the certificate is in effect, and the certificate terminates because you return to your home country, we will pay eligible medical expenses which are incurred in your home country during the benefit period. Home country coverage applies only to eligible medical expenses for which you are hospitalized as an inpatient on the termination date of the certificate.
Incidental Home Country Coverage –For every three month period during which you are covered, eligible medical expenses are covered up to a maximum of 15 days for any three month period.
Any benefit accrued under a single three month period does not accumulate to another period. Failure to continue your international trip or your return to your home country for the sole purpose of obtaining treatment for an illness or injury that began while traveling shall void any home country coverage provided under the terms of this agreement.
For all non-U.S. citizens electing coverage “Excluding the U.S.” and for all U.S. citizens or residents, no coverage is provided within the U.S., except for U.S. citizens or residents during an eligible incidental home country visit or an eligible benefit period.
Except for a benefit period, coverage provided under this Master Policy is for a maximum duration of 364 days. Any extension is based upon the eligibility rules in force and is solely at our discretion.
Notwithstanding the foregoing, coverage under all plans shall terminate on the date we, at our sole option, elect to cancel all members of the same sex, age, class or geographic location, provided we give no less than 30 days advance written notice by mail to your last known address.
What Travel Assistance Services are Included?
The following Assistance Services are included this plan:
- Pre-Trip Destination Information
- Up-to-date information regarding the required vaccinations, health risks, travel restrictions, and weather conditions specific to your destination country.
- Medical Monitoring
- Consultations with attending medical professionals during your hospitalization and establishment of a single point-of-contact for family members to receive ongoing updates regarding your medical status.
- Provider Referrals
- Contact information for Western-style medical facilities and medical and dental practices and pharmacies in your destination country where English is spoken
- Travel Document Replacement
- Assistance with obtaining replacement passports, birth certificates, visas, airline documents, and other travel-related documents
- Lost Luggage Assistance
- Tracking service to assist in locating luggage or other items lost in transit.
- Prescription Drug Replacement
- Emergency Travel Arrangements
- Dispatch of Physician
- Translation Assistance
- Credit Card/Traveler Check Replacement
The Travel Assistance Services are not insurance benefits and provision of any travel Assistance Service is not a guarantee of any other benefit under the plan.
VantageAmerica Discount Card
Your nationally recognized VantageAmerica Solutions Discount Pharmacy Card provides discounts on most FDA approved prescription drugs. There are no limited drug lists, no waiting periods and your card is active the moment you present it to the pharmacy saving an average from 5%-15% off the cash price for brand drugs and an average 15%-40% off the price of generic drugs. In the event a pharmacy's price is lower than our discounted price, you will always receive the lowest price available.
Your VantageAmerica Solutions Discount Pharmacy Card is widely accepted at over 54,000 participating pharmacies across the United States, including most national and regional chains, pharmacy associations, and many local community pharmacies.
Once you have received your instant discount, the remaining prescription expenses can still be submitted for reimbursement as usual.
Please note:- Card NOT Valid in AK, MA, MN, MT, VT, and Canada
- Pharmacy discounts are NOT insurance and are NOT intended as a substitute for insurance.
- The discount is only available at participating pharmacies
Student Secure | Exclusions
Charges for the following conditions, treatments (including diagnoses, tests, and examinations), services, supplies, acts, omissions, and/or events are excluded from coverage hereunder:
- Pre-existing conditions, whether known or unknown, are excluded during the first 6 months of coverage under the Elite and Select levels, during the first 12 months of coverage under the Budget level, and are excluded throughout coverage under the Smart level, except charges resulting directly from an Acute Onset of Pre-existing Condition, an Emergency Medical Evacuation, or Repatriation of Remains, subject to the limits set forth in the Schedule of Benefits and Limits.
- Congenital illnesses.
- Immunizations, routine physical exams, and other diagnostic labs, x-rays, and procedures for screening or preventative purposes, except as provided under the Vaccination benefit on the Elite level only.
- Dental treatment and treatment of the temporomandibular joint, except for emergency dental treatment necessary to replace sound natural teeth lost or damaged in an accident covered hereunder or for the emergency relief of acute onset of pain.
- Mental health disorders if treatment is obtained at a student health center.
- Physical therapy if treatment is obtained at a student health center.
- Chiropractic treatment, unless ordered in advance by a physician for medically necessary treatment related to a covered injury or illness, and not obtained at a student health center.
- Routine pre-natal care, pregnancy, child birth, post-natal care, and nursery care of a newborn, unless directly related to a covered pregnancy under the Budget, Select and Elite levels.
- Elective termination of pregnancy.
- Promotion or prevention of conception including but not limited to: artificial insemination, treatment for infertility, sterilization or reversal of sterilization.
- Venereal disease, including all sexually transmitted diseases and conditions.
- HIV, AIDS, or ARC, and all diseases caused by and/or related to HIV.
- Organ or tissue transplants or related services.
- Injury sustained that is due wholly or partially to the effects of intoxication or drugs other than drugs taken in accordance with treatment prescribed by a physician and except drugs prescribed for the treatment of substance abuse.
- Voluntarily using any drug, narcotic or controlled substance, unless as prescribed by a physician.
- Charges resulting from or occurring during the commission of a violation of law, including without limitation, the engaging in an illegal occupation or act, but excluding minor traffic violations.
- Eye surgery, such as corrective refractory surgery, when the primary purpose is to correct nearsightedness, farsightedness or astigmatism.
- Corrective devices and medical appliances, including eyeglasses, contact lenses, hearing aids, hearing implants, eye refraction, visual therapy, and any examination or fitting related to these devices, dentures or dental appliances, and all vision and hearing tests and examinations.
- Orthoptics and visual eye training.
- Orthopedic shoes, orthopedic prescription devices to be attached to or placed in shoes, treatment of weak, strained, flat, unstable or unbalanced feet, metatarsalgia or bunions, and treatment of corns, calluses or toenails.
- Hair loss including wigs, hair transplants or any drug that promises hair growth, whether or not prescribed.
- Acne, moles, skin tags, diseases of sebaceous glands, seborrhea, sebaceous cyst, hypertrophic and atrophic conditions of skin, nevus.
- Sleep apnea or other sleep disorders.
- Speech, vocational, occupational, biofeedback, acupuncture, recreational, sleep or music therapy, holistic care of any nature, massage and kinestherapy.
- Psychometric, intelligence, competency, behavioral and educational testing.
- While confined primarily to receive custodial care, educational or rehabilitative care, or any medical treatment in any establishment for the care of the aged, except rehabilitative care received upon direct transfer from an acute care hospital.
- Cosmetic or aesthetic reasons, except for reconstructive surgery when such surgery is directly related to and follows a surgery which was covered hereunder.
- Modifications of the physical body intended to improve the psychological, mental or emotional well-being, including but not limited to sex-change surgery.
- Obesity or weight modification, including but not limited to wiring of the teeth and all forms of intestinal bypass surgery.
- Exercise programs, whether or not prescribed or recommended by a physician.
- Incurred as a result of exposure to non-medical nuclear radiation and/or radioactive material(s).
-
Any illness or injury incurred as a result of epidemics, pandemics, public health emergencies, natural disasters, or other disease outbreak conditions that may affect a person’s health when, prior to your effective date, any of the following were issued:
- The United States Centers for Disease Control & Prevention had issued a Warning/Alert Level 3 or higher for a location or destination, including common carriers; or
- The United States Centers for Disease Control & Prevention had issued a Global or Worldwide Warning/Alert Level 3 or higher.
- This exclusion is applicable when 1) any of the above were in effect within 6 months immediately prior to your effective date or 2) within 10 days following the date the alert/warning is issued you have failed to depart the country or location. This exclusion does not apply to charges resulting from COVID-19/SARS-CoV-2.
- Investigational, experimental or for research purposes.
- Complications or consequences of a treatment or condition not covered hereunder.
- Incurred outside your certificate period.
- Submitted to us for payment more than 60 days after the last day of the certificate period.
- Exceeding usual, reasonable and customary.
- Not medically necessary.
- Not administered by or ordered by a physician.
- Provided by a relative, family member or any person who ordinarily resides with you.
- Provided at no cost to you.
- Telephone consultations or failure to keep a scheduled appointment.
- When departure from the home country is to obtain treatment in the destination country/countries.
- Travel or accommodations, except as provided for in the Local Ambulance, Emergency Medical Evacuation, Repatriation of Remains, and Emergency Reunion sections of this insurance.
- Payable under any government system, including the Australian Medicare system.
- War, military action or while on duty as a member of a police or military force unit.
- Not included as Eligible Expenses as described herein.
Student Secure | FAQ
- When can I apply for the plan online?
- Will I get an ID Card?
- When will I get my documents?
- What form of payment do you accept?
- What is a beneficiary?
- Where will this plan cover me?
- Am I eligible for the StudentSecure?
- Will this plan work for me while on OPT/ CPT?
- Does this plan work for scholars?
- Are my spouse and children eligible for the plan?
- Does my plan cover pre-existing conditions?
- What is the difference between Smart, Budget, Select and Elite plan?
- Does this plan cover maternity?
- Are sports covered under this policy?
- Does this plan have dental or vision care?
- What does Usual, Reasonable and Customary (URC) mean?
- What is the copay or out of pocket cost on this plan?
- What is a deductible?
- What is coinsurance?
- Will I get home country coverage?
- What is the VantageAmerica Discount Card?
Underwriter
Who underwrites the Student Secure plan and what is their rating?
Lloyd's is the underwriter of the StudentSecure plan. They are rated A (Excellent) by AM Best Company and A+ (Strong) by Standard and Poor's, meeting visa requirements for the USA and countries around the world.Eligibility
Where will this plan cover me?
The StudentSecure plan provides worldwide coverage, as long as you are outside of your home country.Am I eligible to apply for the StudentSecure?
- If you are a student in the USA on an F1 or J1 visa, you are automatically eligible for the StudentSecure plan.
- For those on other visa types, or those studying outside of the US, you will need to be a full-time student or scholar, or within 31 days of being a full-time student.
Will this plan work for me while on OPT/CPT?
Yes, students on OPT or CPT are eligible for the StudentSecure, even while on post-completion OPT, as long as you maintain valid F1 status.Does this plan work for scholars?
Yes, full-time scholars who are outside of their home country and affiliated with an educational institution and performing work or research for at least 30 hours per week are eligible for the StudentSecure plan. These activities may include but are not limited to performing research in an area of specialty or teaching for a temporary period of time. This requirement is waived for participants in the US with a valid F1 or J1 visa.Are my spouse and children eligible for the plan?
No, spouses and children are not eligible for the StudentSecure plan, however if you need dependent coverage please see our other insurance options.Application Help
When can I apply for the plan online?
Will I get an ID card?
Yes, you will receive an electronic PDF version of your insurance ID card immediately by email, and you can also choose to receive a physical ID card in the mail by selecting the “Email and Regular Mail” option on the application.When will I get my documents?
When applying online, you will receive all your insurance documents, including your ID card and receipt of purchase, immediately by email. These documents can be printed out as proof of coverage.
If you would like physical documents to be mailed, make sure you choose the “Email and Regular Mail” option on the online application. Physical delivery time will depend on the postal service, with delivery to a US address taking about one week and international addresses may take about 2-3 weeks. Express delivery is also available for an additional $20 if your address is in the US or an additional $30 if your address is outside the US.
What forms of payment do you accept?
We accept all major credit or debit cards including Visa, MasterCard, Discover and American Express. You are also welcome to use a friend or family member’s credit or debit card with their permission to purchase the plan. If you would prefer to pay using a check and wire transfer, please contact us for more information.What is a Beneficiary?
In case of a covered/eligible accidental death, the StudentSecure Select and Elite plan has a death benefit that could be paid out to the beneficiary. The beneficiary is the name of the person who would receive this death benefit. The beneficiary is the name of the person who would receive this death benefit. Most students put the name of their mother, father, brother, sister, husband or wife — however you can put any name you wish, including your estate.Renewability, Extensions and Cancellations
Can I extend or renew my insurance plan?
Yes. If you purchase your policy for less than 364 days, you can extend the plan up until you have a full 364 days of coverage. Once you have a full 364 days of coverage, you can then renew your plan for another year. If you continue to meet the eligibility requirements and don’t have any breaks in coverage, you can extend and renew your policy for up to a total of 4 years. Please note that there is an additional $5 fee per extension or renewal. All extensions and renewals can be done quickly and easily through your Student Zone account.My plan has expired, how can I reinstate it?
Once a plan has expired or lapsed, it cannot be reinstated. You can instead purchase a new plan and begin coverage as soon as the same day. Please click here to apply online again.Can I cancel my StudentSecure plan?
To be eligible for a full refund, the request for cancellation must be received prior to the effective date of your policy.
Cancellation requests received after the effective date will be subject to the following conditions:
- A $25 cancellation fee will apply, if paid in full.
- Only premium for unused whole-months, if paying in monthly installments, or unused days, if paid in full, of the plan will be refunded.
- Only members who have no claims are eligible for premium refund.
- After 60 days, no refunds are granted.
- If you have only purchased 1 months coverage and cancel within that month, no refund will be due.
Understanding Your Coverage
Does this plan cover maternity?
Yes, the StudentSecure Budget, Select and Elite do cover pregnancies if conception occurs after the policy effective date. Benefits include, but are not limited to, pre-natal, delivery, and post-natal care as well as expenses for miscarriage and complications of pregnancy. Routine nursery care of newborns is also covered.
Are sports covered under this policy?
The StudentSecure Budget, Select and Elite levels have an optional rider that will cover medical expenses for injuries and illnesses that result from participation in intercollegiate, interscholastic, intramural, or club sports up to a maximum of $5,000 per Injury or Illness with the Select and Elite levels and $3,000 per injury or Illness with the Budget level.Does this plan have vision or dental coverage?
The StudentSecure plan does not provide any coverage for vision.
Accidental dental is covered if you suffer an accident to your teeth and need to have dental surgery with coverage of $250 per tooth up to a maximum of $500 on the Smart, Budget, Select and Elite plans. Regular dental check-ups or visits are not covered — however if you do have unexpected dental pain the plan will pay $100 towards expenses for treatment for this pain on all four levels of the plan. If you require a more comprehensive dental insurance plan, please see our dental plans.What does Usual Reasonable and Customary (URC) mean?
URC — which stands for Usual Reasonable and Customary — is either the lesser of 150% of the charges payable under the United States Medicare program for claims incurred outside the PPO network within the U.S., or the average cost charged by a provider for a specific procedure in a specific geographic area. For example, if a particular procedure costs $5,000 on average in the New York City, the insurance company will not pay your provider in New York City $10,000 for the same exact procedure. Instead, they will limit their payment to "Usual Reasonable and Customary" — in this example, $5,000.Does my plan cover pre-existing conditions?
A Pre-existing Condition is any condition for which medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received during the 12 months immediately preceding the certificate effective date; a condition that had manifested itself in such a manner that would have caused a reasonably prudent person to seek medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) within the 12 months immediately preceding the certificate effective date; or a injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 12 months immediately preceding the certificate effective date.
The StudentSecure plan will over coverage for eligible pre-existing conditions after a 6 month waiting period on the Select and Elite levels and after a 12 month waiting period on the Budget level. The Smart level does not offer coverage for pre-existing conditions, except charges resulting directly from an Acute Onset of a Pre-Existing Condition, an Emergency Medical Evacuation, or Repatriation of Remains, subject to the limits set forth in the Schedule of Benefits and Limits.What is the difference between the Smart, Budget, Select and Elite plans?
The StudentSecure plan comes in four plan options; Smart, Budget, Select and Elite. The main differences between the four plans falls into two main areas 1) Differences in benefit levels and 2) Out of Pocket expenses you will need to pay.
The main benefit differences are as listed in our benefits table, where the Elite typically has higher coverage levels for each benefit, and then the Smart, Budget and Select plans are more restricted or may not cover all benefits. For the out of pocket differences, please see the Frequently Asked Questions listed below as they deal with the deductible and coinsurance differences on each plan level.
What is the copay or out of pocket cost on this plan?
The StudentSecure plan does not have a copay but the plan does have two out of pocket expenses: the deductible and the coinsurance.What is a deductible?
The deductible is the amount you are required to pay to the doctor or hospital before the insurance company will pay toward your eligible expenses. On the StudentSecure plan, it is paid once for every new illness or injury — not per visit. If you became ill or injured and went to the doctor you would pay the deductible, but if you went for a follow-up visit on that same condition you would not need to pay the deductible again since you’ve already paid it for that condition.
| Treatment Received: | Inside the PPO Network in the USA, or Outside the USA, or At a Student Health Center | Outside the PPO Network in the USA |
|---|---|---|
| Smart Plan | $50 | $100 |
| Budget Plan | $45 | $90 |
| Select Plan | $35 | $70 |
| Elite Plan | $25 | $50 |
What is coinsurance?
After the deductible, coinsurance applies to your benefits, and this is the cost sharing between you and the insurance plan. This is typically referred to as a percentage that the plan will pay, for example if there is 80% coverage — the insurance plan will pay 80% and you will need to pay the remaining 20%.
The coinsurance on the StudentSecure plan when seeking treatment in the network inside the United States is as follows:
- Smart plan is 80% coverage, up to the overall maximum limit.
- Budget plan is 80% coverage for the first $25,000 of your medical costs, then 100% after, up to the overall maximum limit.
- Select plan is 80% coverage for the first $5,000 of your medical costs, then 100% after, up to the overall maximum limit.
- Elite plan is 100% coverage, up to the overall maximum limit.*
Will I get home country coverage?
The StudentSecure will cover you up to 15 days for medical expenses ONLY if you return back to your home country for an incidental visit. To receive the benefit, once you have arrived home, you must return abroad within 15 days — either to the host country or another country en route to your host country. Please also note that the return to your home country cannot be taken for the purpose of receiving medical treatment for an injury or illness that began when you were abroad.What is the VantageAmerica Discount Card?
For policies purchased with a United States destination, you will be provided with a VantageAmerica Discount Pharmacy Card. This card will provide discounts on most FDA approved prescription drugs at over 54,000 participating pharmacies across the United States, and will save you an average 5%-15% off the cash price for brand drugs and an average 15%-40% of the price of generic drugs.
Once you have received your instant discount, the remaining prescription expenses can still be submitted for reimbursement as usual.
Please note:- Card NOT Valid in AK, MA, MN, MT, VT, and Canada.
- Pharmacy discounts are NOT insurance and are NOT intended as a substitute for insurance.
- The discount is only available at participating pharmacies.
Seeking Treatment
Which doctors or hospitals can I go to?
You are free to visit any doctor or hospital (known as providers) that you wish when seeking treatment. However, we do suggest you visit the providers mentioned below, as you will generally have less out of pocket expenses.
- Student Health Center
- Most schools offer a student health center which should be your first option in seeking treatment.
- Preferred Provider Organization
-
The StudentSecure plan uses a Preferred Provider Organization (PPO), and we strongly recommend utilizing this network of doctors when seeking treatment. Your plan uses the following network depending on the following conditions:
First Health Network
- EU citizens purchased a plan prior to April 1, 2020
- Any policy purchased before July 1, 2019
United Healthcare Network
- Non-EU citizens that purchased coverage between July 1, 2019 - March 31, 2020
- Any policies purchased on or after April 1, 2020
How do I know which network my plan uses?
Depending on when you purchased your plan, and where you are from, your StudentSecure plan will either use the First Health Network or the UnitedHealthcare Network when seeking treatment in the United States. The network logo will be included on your insurance ID card, but please also keep in mind the following:
If your plan was purchased prior to July 1st, 2019, or, if your Home Country or Citizenship is in the European Union, your plan uses the First Health Network as the Preferred Provider Organization.
If your Home Country or Citizenship is in the following countries, your plan will use the First Health Network.
- EU Countries
- Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovak Republic, Slovenia, Spain, Sweden and the United Kingdom.
- EU Territories
- Azores, Canary Islands, Guadeloupe, French Guiana, Madeira, Martinique, Mayotte, Reunion, and Saint Martin
- EU Economic Area Countries
- Iceland, Lichtenstein, and Norway
If your plan was purchased as of July 1st, 2019, and, if you Home Country is not in the European Union as listed above, your plan uses the UnitedHealthcare Network as the Preferred Provider Organization.
For more help finding a provider in your area that accepts your insurance plan, please contact us.How are claims paid?
Claims are paid depending on where you are located and where you seek treatment:
- In-network while inside the USA
- When you visit a provider that is part of the Preferred Provider Organization, your insurance bill is typically paid directly. You will need to complete a claim form and email this to service@hccmis.com for processing.
- Out-of-network while inside the USA
- When you visit a provider that is outside the network, you will need to pay for all services up front and then submit your bills and receipts, along with a claim form for reimbursement.
- Outside the USA
- When visiting a provider around the world, please pay for the services up front and then submit a claim form for reimbursement.
Student Secure | Premiums
The StudentSecure plan provides coverage for international students and study abroad students around the world outside of their home country.
- Worldwide including the USA – for international students in the USA
- Worldwide excluding the USA – for study abroad and international students around the world
Monthly Rates
Worldwide Including the USA
| Smart | Budget | Select | Elite | |
|---|---|---|---|---|
| Under 18 | $31 | $43 | $97 | $179 |
| 18–24 | $31 | $43 | $97 | $179 |
| 25–30 | $66 | $94 | $216 | $368 |
| 31–40 | $164 | $223 | $484 | $793 |
| 41–50 | $288 | $436 | $860 | $1,400 |
| 51–64 | $389 | $586 | $1,160 | $1,878 |
Worldwide Excluding the USA
| Smart | Budget | Select | Elite | |
|---|---|---|---|---|
| Under 18 | $26 | $38 | $72 | $125 |
| 18–24 | $26 | $38 | $72 | $125 |
| 25–30 | $34 | $50 | $76 | $126 |
| 31–40 | $83 | $110 | $184 | $296 |
| 41–50 | $148 | $303 | $414 | $665 |
| 51–64 | $214 | $412 | $526 | $846 |
Monthly Rates with Sports Rider
Worldwide Including the USA
| Budget | Select | Elite | |
|---|---|---|---|
| Under 18 | $53 | $117 | $199 |
| 18–24 | $53 | $117 | $199 |
| 25–30 | $104 | $236 | $398 |
| 31–40 | $233 | $504 | $813 |
| 41–50 | $446 | $880 | $1,420 |
| 51–64 | $596 | $1,180 | $1,898 |
Worldwide Excluding the USA
| Budget | Select | Elite | |
|---|---|---|---|
| Under 18 | $48 | $92 | $145 |
| 18–24 | $48 | $92 | $145 |
| 25–30 | $60 | $96 | $146 |
| 31–40 | $120 | $204 | $316 |
| 41–50 | $313 | $434 | $685 |
| 51–64 | $422 | $546 | $866 |
Daily Rates
Worldwide Including the USA
| Smart | Budget | Select | Elite | |
|---|---|---|---|---|
| Under 18 | $1.02 | $1.41 | $3.19 | $5.88 |
| 18–24 | $1.02 | $1.41 | $3.19 | $5.88 |
| 25–30 | $2.17 | $3.09 | $7.10 | $12.10 |
| 31–40 | $5.39 | $7.33 | $15.91 | $26.07 |
| 41–50 | $9.47 | $14.33 | $28.27 | $46.03 |
| 51–64 | $12.79 | $19.27 | $38.14 | $61.74 |
Worldwide Excluding the USA
| Smart | Budget | Select | Elite | |
|---|---|---|---|---|
| Under 18 | $0.85 | $1.25 | $2.37 | $4.11 |
| 18–24 | $0.85 | $1.25 | $2.37 | $4.11 |
| 25–30 | $1.12 | $1.64 | $2.50 | $4.14 |
| 31–40 | $2.73 | $3.62 | $6.05 | $9.73 |
| 41–50 | $4.87 | $9.96 | $13.61 | $21.86 |
| 51–64 | $7.04 | $13.55 | $17.29 | $27.81 |
Daily Rates with Sports Rider
Worldwide Including the USA
| Budget | Select | Elite | |
|---|---|---|---|
| Under 18 | $1.74 | $3.85 | $6.87 |
| 18–24 | $1.74 | $3.85 | $6.87 |
| 25–30 | $3.42 | $7.76 | $13.09 |
| 31–40 | $7.66 | $16.57 | $27.06 |
| 41–50 | $14.66 | $28.93 | $47.02 |
| 51–64 | $19.60 | $38.80 | $62.73 |
Worldwide Excluding the USA
| Budget | Select | Elite | |
|---|---|---|---|
| Under 18 | $1.58 | $3.03 | $5.10 |
| 18–24 | $1.58 | $3.03 | $5.10 |
| 25–30 | $1.97 | $3.16 | $5.13 |
| 31–40 | $3.95 | $6.71 | $10.72 |
| 41–50 | $10.29 | $14.27 | $22.85 |
| 51–64 | $13.88 | $17.95 | $28.80 |
- You can choose to pay upfront or in monthly installments with your debit or credit card
- Coverage is available from 15 days up to 364 days with the option to renew for up to four years in total
- US Citizens can ONLY purchase coverage that excludes the United States
- There is a $5 administrative fee added to the monthly rate if you choose to pay with a monthly installment
