As with any international student health insurance plan insurance plan, there will most likely be questions about the finer details of the plan benefits and exclusions. Our Frequently Asked Questions section provides you with the most common questions we receive so you can learn more about the plan. If you would like further clarification on these or any other questions you may have, please don't hesitate to contact our friendly customer support team.
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 have applied for a plan and haven't received your policy documents, be sure to check your spam or bulk folder.
Once you have applied online, within an hour you will be able to log into the "Student Zone" to download your ID card, visa letter, or get claims information. If you are still not able to locate your policy documents after purchase, you can contact us for further assistance.
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.
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:
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.
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.
The StudentSecure plan will offer 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.
Pre-existing Condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 12 months prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.Acute Onset of Pre-existing Condition means a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is a chronic or congenital, or that gradually becomes worse over time is not acute onset of a pre-existing condition. An Acute Onset of Pre-existing Condition does not include any condition for which, as of the Effective date, the Insured Person (i) knew or reasonably foresaw he/she would receive, (ii) knew he/she should receive, (iii) had scheduled, or (iv) was told that he/she must or should receive, any medical care, drugs or treatment.
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.
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.
The StudentSecure plan also includes an Emergency Room deductible that you are required to pay for each visit to the ER when in the United States.
|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||Emergency Room in the USA|
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:
Yes, the plan provides the following home country coverage options:
You must have purchased three months of coverage for the Incidental Home Country Coverage to be in effect. 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 incidental home country coverage.
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.
While the certificate is in effect, the benefit period does not apply. Upon termination of the certificate, WorldTrips 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.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, WorldTrips 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.
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:
Yes, the Student Secure plan - Elite level offers coverage for certain vaccinations up to a maximum of $150. The following vaccinations will be covered under this benefit:
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.
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
United Healthcare Network
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.
If your plan was purchased as of July 1st, 2019, or later, and if your 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.
Claims are paid depending on where you are located and where you seek treatment:
This plan is underwritten by Lloyd's.