WorldTrips (Tokio Marine HCC)Solicitar ahora
WorldTrips StudentSecure
Four-tier student plan from Tokio Marine HCC — $0 deductible across all tiers, J-1 visa compliant from $32/month
Desde $32–181
✓Cumple requisitos de visa
up to 64Límite de edad
Última actualización: 27 de abril de 2026
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Planes disponibles
Compara los niveles de cobertura y elige el plan que mejor se adapte.
Premium
StudentSecure Elite
Desde$181/mes
- Deducible: $0 per injury/illness
- Salud mental: Up to 40 outpatient visits; 40 inpatient days
Comparación de cobertura
Comparar coberturas
Descubre exactamente qué cubre cada plan.
| Característica | StudentSecure Smart | StudentSecure Budget | StudentSecure Select | PremiumStudentSecure Elite |
|---|---|---|---|---|
| Cobertura básica | ||||
| Deducible / Copago | $0 per injury/illness | $0 per injury/illness | $0 per injury/illness | $0 per injury/illness |
| Beneficios adicionales | ||||
| Salud mental | No especificado | No especificado | No especificado | Up to 40 outpatient visits; 40 inpatient days |
| Repatriación | Not included | $25,000 | $50,000 | $50,000 |
| Cumple requisitos de visa | ||||
| SolicitarStudentSecure Smart → | SolicitarStudentSecure Budget → | SolicitarStudentSecure Select → | SolicitarStudentSecure Elite → | |
StudentSecure Smart
StudentSecure Budget
StudentSecure Select
StudentSecure ElitePremium
Cobertura básica
Deducible / Copago
$0 per injury/illness
$0 per injury/illness
$0 per injury/illness
$0 per injury/illness
Beneficios adicionales
Salud mental
No especificado
No especificado
No especificado
Up to 40 outpatient visits; 40 inpatient days
Repatriación
Not included
$25,000
$50,000
$50,000
Cumple requisitos de visa
Qué está cubierto
Detalles de prestaciones y cobertura.
Incluido
$0 deductible across all four tiers — rare in the U.S. student market
Backed by Tokio Marine HCC, one of the largest specialty insurers globally
Smart tier starts at $32/month — among the cheapest J-1-compliant plans
Elite tier offers $5M maximum and full benefits including mental health, dental, prescriptions
Renewable up to 4 years — covers full undergraduate or graduate program
No cubierto
Smart tier excludes pre-existing conditions entirely — only acute onset covered
Cannot add dependents (spouse, children) — single coverage only
Smart tier $200,000 maximum may not satisfy strict university waiver criteria
U.S. healthcare costs can quickly exceed lower-tier limits in serious cases
Precios
Precios por edad
Prima mensual neta por grupo de edad. Sin costes ocultos.
Grupo de edadPrima mensual
Cumple la obligación de seguro
FAQ
Preguntas frecuentes sobre WorldTrips StudentSecure
For most full-time U.S. graduate students staying 12 months, Select ($106/month) is the sweet spot — $1M coverage, 6-month pre-existing waiting period, $300K evacuation. Budget ($53) works for healthier students on a tight budget. Smart ($32) is for short stays only — its $200K max may not meet strict universities. Elite ($181) is for those needing maximum protection or with university requirements above $1M.
WorldTrips designed StudentSecure with zero deductible to compete on simplicity — you don't pay anything upfront before insurance kicks in (other than copays). This is unusual for U.S. plans and helps students predict costs more easily.
Universities require minimum coverage that varies by school. Smart ($200K max) often does NOT meet waiver requirements. Budget ($500K), Select ($1M) and Elite ($5M) typically do. Always check your school's specific waiver criteria — and remember WorldTrips will provide a waiver form on request.
No. StudentSecure does not allow dependents. If you need spouse or family coverage, look at IMG Patriot Exchange or ISO instead — both let dependents apply independently.
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