WorldTrips (Tokio Marine HCC) Apply Now
WorldTrips StudentSecure
Four-tier student plan from Tokio Marine HCC — $0 deductible across all tiers, J-1 visa compliant from $32/month
From $32–181
✓ Visa Compliant
up to 64 Age Limit
Last updated: April 27, 2026
Choose Your Plan
Available Plans
Compare coverage tiers and pick the plan that fits your needs.
Premium
StudentSecure Elite
From $181 /month
- Deductible: $0 per injury/illness
- Mental health: Up to 40 outpatient visits; 40 inpatient days
Coverage Comparison
Compare Plan Coverage
See exactly what each plan covers side by side.
| Feature | StudentSecure Smart | StudentSecure Budget | StudentSecure Select | Premium StudentSecure Elite |
|---|---|---|---|---|
| Core Coverage | ||||
| Outpatient Treatment | Not covered | Not covered | Not covered | Not covered |
| Hospital (Inpatient) | Not covered | Not covered | Not covered | Not covered |
| Medication | Not covered | Not covered | Not covered | Not covered |
| Deductible / Co-pay | $0 per injury/illness | $0 per injury/illness | $0 per injury/illness | $0 per injury/illness |
| Dental & Vision | ||||
| Dental Care | Not covered | Not covered | Not covered | Not covered |
| Dental Budget | Not covered | Not covered | Not covered | Not covered |
| Vision | Not covered | Not covered | Not covered | Not covered |
| Additional Benefits | ||||
| Mental Health | Not covered | Not covered | Not covered | Up to 40 outpatient visits; 40 inpatient days |
| Pregnancy & Maternity | Not covered | Not covered | Not covered | Not covered |
| Telemedicine | | | | |
| Repatriation | Not included | $25,000 | $50,000 | $50,000 |
| Visa Compliant | | | | |
| ApplyStudentSecure Smart → | ApplyStudentSecure Budget → | ApplyStudentSecure Select → | ApplyStudentSecure Elite → | |
StudentSecure Smart
StudentSecure Budget
StudentSecure Select
StudentSecure Elite Premium
Core Coverage
Outpatient Treatment
Not covered
Not covered
Not covered
Not covered
Hospital (Inpatient)
Not covered
Not covered
Not covered
Not covered
Medication
Not covered
Not covered
Not covered
Not covered
Deductible / Co-pay
$0 per injury/illness
$0 per injury/illness
$0 per injury/illness
$0 per injury/illness
Dental & Vision
Dental Care
Not covered
Not covered
Not covered
Not covered
Dental Budget
Not covered
Not covered
Not covered
Not covered
Vision
Not covered
Not covered
Not covered
Not covered
Additional Benefits
Mental Health
Not covered
Not covered
Not covered
Up to 40 outpatient visits; 40 inpatient days
Pregnancy & Maternity
Not covered
Not covered
Not covered
Not covered
Telemedicine
Repatriation
Not included
$25,000
$50,000
$50,000
Visa Compliant
What's Covered
Benefits and coverage details.
Included
$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
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
Pricing
Pricing by Age
Monthly net premium by age group. No hidden fees.
Age Group Monthly Premium
Fulfills insurance obligation
FAQ
Frequently Asked Questions about 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.
Ready to Get Insured?
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