WorldTrips (Tokio Marine HCC)Souscrire
WorldTrips StudentSecure
Four-tier student plan from Tokio Marine HCC — $0 deductible across all tiers, J-1 visa compliant from $32/month
À partir de $32–181
✓Conforme au visa
up to 64Limite d'âge
Dernière mise à jour: 27 avril 2026
Choisissez votre formule
Formules disponibles
Comparez les niveaux de couverture et choisissez la formule adaptée.
Premium
StudentSecure Elite
À partir de$181/mois
- Franchise: $0 per injury/illness
- Santé mentale: Up to 40 outpatient visits; 40 inpatient days
Comparaison des garanties
Comparer les couvertures
Découvrez en détail ce que chaque formule couvre.
| Caractéristique | StudentSecure Smart | StudentSecure Budget | StudentSecure Select | PremiumStudentSecure Elite |
|---|---|---|---|---|
| Couverture de base | ||||
| Franchise / Copaiement | $0 per injury/illness | $0 per injury/illness | $0 per injury/illness | $0 per injury/illness |
| Avantages supplémentaires | ||||
| Santé mentale | Non précisé | Non précisé | Non précisé | Up to 40 outpatient visits; 40 inpatient days |
| Rapatriement | Not included | $25,000 | $50,000 | $50,000 |
| Conforme au visa | ||||
| SouscrireStudentSecure Smart → | SouscrireStudentSecure Budget → | SouscrireStudentSecure Select → | SouscrireStudentSecure Elite → | |
StudentSecure Smart
StudentSecure Budget
StudentSecure Select
StudentSecure ElitePremium
Couverture de base
Franchise / Copaiement
$0 per injury/illness
$0 per injury/illness
$0 per injury/illness
$0 per injury/illness
Avantages supplémentaires
Santé mentale
Non précisé
Non précisé
Non précisé
Up to 40 outpatient visits; 40 inpatient days
Rapatriement
Not included
$25,000
$50,000
$50,000
Conforme au visa
Ce qui est couvert
Détails des prestations et de la couverture.
Inclus
$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
Non couvert
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
Tarifs
Tarifs par âge
Prime mensuelle nette par tranche d'âge. Aucun frais caché.
Tranche d'âgePrime mensuelle
Remplit l'obligation d'assurance
FAQ
Questions fréquentes sur 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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