WorldTrips (Tokio Marine HCC)
WorldTrips StudentSecure
Four-tier student plan from WorldTrips (Tokio Marine HCC group) — $0 deductible on all tiers, meets J-1 visa requirements, from $40/month (under 25, U.S. included)
At a glance WorldTrips (Tokio Marine HCC)
Monthly premiumFrom $40–204/mo
Age Limitup to 64
Visa Compliant Yes
Last updatedOctober 1, 2026
01Choose Your Plan
Available Plans
Compare coverage tiers and pick the plan that fits your needs.
StudentSecure Select
From$119/mo
- Deductible: $0 per injury/illness
Premium
StudentSecure Elite
From$204/mo
- Deductible: $0 per injury/illness
- Mental health: Up to 40 outpatient visits; 40 inpatient days
02Coverage Comparison
Compare Plan Coverage
See exactly what each plan covers side by side.
| Feature | StudentSecure Smart | StudentSecure Budget | StudentSecure Select | PremiumStudentSecure Elite |
|---|---|---|---|---|
| Core Coverage | ||||
| Deductible / Co-pay | $0 per injury/illness | $0 per injury/illness | $0 per injury/illness | $0 per injury/illness |
| Additional Benefits | ||||
| Mental Health | Not specified | Not specified | Not specified | Up to 40 outpatient visits; 40 inpatient days |
| Repatriation | $25,000 | $25,000 | $50,000 | $50,000 |
| Visa Compliant | ||||
| Visit StudentSecure Smart→ | Visit StudentSecure Budget→ | Visit StudentSecure Select→ | Visit StudentSecure Elite→ | |
StudentSecure Smart
StudentSecure Budget
StudentSecure Select
StudentSecure ElitePremium
Core Coverage
Deductible / Co-pay
$0 per injury/illness
$0 per injury/illness
$0 per injury/illness
$0 per injury/illness
Additional Benefits
Mental Health
Not specified
Not specified
Not specified
Up to 40 outpatient visits; 40 inpatient days
Repatriation
$25,000
$25,000
$50,000
$50,000
Visa Compliant
03Coverage
What's Covered
Benefits and coverage details.
Included
$0 deductible on all four tiers (copays still apply)
Part of the Tokio Marine HCC group, which WorldTrips describes as 'a leading specialty insurer' (rated A++ by A.M. Best, A+ by S&P)
Smart tier from $40/month (under 25, U.S. included) and meets J-1 visa requirements
Elite tier offers $5M maximum and full benefits including mental health, dental, prescriptions
Renewable up to 4 years — covers full undergraduate or graduate program
Not Covered
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
04Pricing
Pricing by Age
Monthly net premium by age group. No hidden fees.
Age GroupMonthly Premium
Fulfills insurance obligation
05FAQ
Frequently Asked Questions about WorldTrips StudentSecure
For most full-time U.S. graduate students staying 12 months, Select is the sweet spot — $1M coverage, 6-month pre-existing waiting period, $300K evacuation. Budget works for healthier students on a tight budget. Smart is for short stays only — its $200K max may not meet strict universities. Elite is for those needing maximum protection or with university requirements above $1M. Monthly-payment rates for ages under 25 with U.S. coverage: Smart $40, Budget $66, Select $119, Elite $204; rates are higher from age 25.
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 — WorldTrips asks you to email your school's waiver form to worldtrips-waivers@worldtrips.com so it can complete it.
No. StudentSecure does not allow dependents. If you need spouse or family coverage, look at IMG Patriot Exchange, where coverage can be bought for a spouse and dependent children travelling with the student, or ISO, where dependents are eligible for coverage under your plan.
Ready to Get Insured?
Check the latest terms and prices for WorldTrips StudentSecure on the provider's official website.