Studentsecure Insurance

StudentSecure® Insurance

Health Insurance for International Students

StudentSecure is international student health insurance designed to meet the needs of full-time students and scholars studying outside of their home country. We offer four levels of coverage—Elite, Select, Budget, and Smart—so you can choose the plan that best fits your client’s needs and budget.

All four plan levels meet or exceed most government and visa requirements, including J-1 visa requirements. (Note that F-1 visas do not have a health insurance requirement.)

StudentSecure plans also meet the requirements of many schools.

Why Do International Students Need Health Insurance?

If your client is planning to study abroad, there are three key reasons why they may need international student health insurance:

  • Visa/Proof of Subsistence: Most countries require incoming international students to possess a visa. Many visas require proof of subsistence for expenses incurred while traveling.

  • School or Program Requirements: Many schools and study abroad programs require students to purchase health insurance for their time abroad.

  • Unexpected Medical Costs: Your client’s domestic health plan may provide little or no coverage abroad. A student health plan can reduce expenses resulting from unexpected medical costs.

Market Size

Over 5 million higher education students studied abroad in 2018, according to the Project Atlas 2018 initiative from the Institute of International Education (IIE).

Data from the institute’s 2018 Open Doors Report reveals that 1,094,792 of these international students studied in the U.S. from 2017-2018.

Who Can Purchase StudentSecure Insurance?

StudentSecure applicants must be residing outside their home country for the purpose of pursuing an international education. They must not have obtained residency status in their host country.

Applicants must also meet one of the following conditions:

  • Applicant is a full-time student at a college, university, or secondary school abroad – excluding online colleges and universities
  • Applicant is within 31 days of being a full-time student at a college, university, or secondary school abroad
  • Applicant is a full-time scholar affiliated with an educational institution abroad who spends at least 30 hours per week working or researching

Note for Applicants Visiting the United States:

Applicants traveling to the U.S. must hold a valid education-related visa. We may require proof of the I-20 or DS-2019.

The full-time student/scholar requirement is waived for participants within the U.S. who hold a valid F1 or J1 visa (this includes students on OPT). Full-time status requirements remain in effect for individuals holding M-1 or other category visas.

Four Levels of StudentSecure Coverage

StudentSecure Elite

OVERALL MAXIMUM BENEFIT: $5,000,000

Maximum Per Injury or Illness: $500,000

Deductible Per Injury or Illness: $25

StudentSecure Select

OVERALL MAXIMUM BENEFIT: $600,000


Maximum Per Injury or Illness: $300,000

Deductible Per Injury or Illness: $35

StudentSecure Budget

OVERALL MAXIMUM BENEFIT: $500,000


Maximum Per Injury or Illness: $250,000

Deductible Per Injury or Illness: $45

StudentSecure Smart

OVERALL MAXIMUM BENEFIT: $200,000

Maximum Per Injury or Illness: $100,000

Deductible Per Injury or Illness: $50


Helping Your Client Choose a Plan

Discuss your client’s school or visa requirements, planned activities, and budget to help them choose the best plan for their needs.

Here’s a brief overview of the key differences between coverage levels:

StudentSecure Elite and StudentSecure Select

The Elite and Select plans offer the lowest deductibles, highest maximum benefits, and greatest coverage for select benefits.

Both plans also provide Accidental Death and Dismemberment (AD&D) coverage, whereas the Budget and Smart plans do not. However, your client will pay a higher premium.

Both StudentSecure Elite and StudentSecure Select cover eligible *pre-existing conditions after the policy is in effect for 6 months.

Note that StudentSecure Elite is the only plan that includes Personal Liability Coverage.

StudentSecure Budget and StudentSecure Smart

The Budget and Smart plans have the highest deductibles, lowest maximum benefits, and fewer benefits than Select and Elite. However, your client will pay a lower premium while still getting some coverage.

StudentSecure Budget covers eligible *pre-existing conditions after the policy is in effect for 12 months. StudentSecure Smart only covers **acute onset of a pre-existing condition.

Note that StudentSecure Smart is the only plan that does not provide any coverage for intercollegiate, interscholastic, intramural, or club sports.

Why Should I Recommend StudentSecure?

  • Budget-Friendly Options. Four levels of coverage offer four different price levels. Members can make monthly payments or save money by paying their full premium in advance.

  • Essential Coverage. Plans meet most government and visa requirements, as well as the requirements of many schools.

  • Financial Help for Unforeseen Medical Expenses. Members will be covered for eligible hospitalizations, emergency medical evacuation, some outpatient prescription drugs, some mental health disorders, and more.

  • Applicants can get free quotes and buy online. Policy documents and visa letters are sent immediately after purchase.

  • U.S. PPO Network. Members receive discounted rates within the PPO network.

  • International Provider Search Engine. Members can find qualified medical providers worldwide in seconds.

  • Student Zone. This portal allows members to easily manage their policy, extend or renew coverage, reprint ID cards, and download forms. 

*We define a pre-existing condition as any condition:

  • for which medical advice, diagnosis, care, or treatment was recommended or received within the 12 months prior to the member’s effective date of coverage
  • which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within the 12 months prior to the member’s effective date of coverage
  • that existed (with reasonable medical certainty) in the 12 months prior to the member’s effective date of coverage, whether or not it was known to him or her

**We define acute onset of a pre-existing condition as a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning in the form of physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care.

The acute onset of a pre-existing condition must occur after the effective date of the policy. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic or congenital conditions or pre-existing conditions that gradually become worse over time will not be considered acute onset.

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