Compare StudentSecure Insurance Plans

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StudentSecure is an excellent international student insurance for foreign students studying in the USA.

There are four variations of StudentSecure to choose from, Elite, Select, Budget and Smart; each plan differs in price as well as benefits.

All 4 of the StudentSecure international student medical insurance plans are widely accepted by many universities and all plans meet the requirements for J1 Visa holders. When deciding which plan is best for you, start with the specific requirements set by your university; you should choose the plan that meets their requirements and meets your needs.

While these plans have many similarities, they also have many differences. Review this detailed comparison to easily see the differences between the plan variations.

General

StudentSecure® Elite
Comprehensive
Comprehensive
US - Within PPO/Outside US: After deductible, 100% to policy maximum. Otherwise: After deductible, plan pays Usual, Reasonable and Customary to policy maximum.
$25 per injury or illness
StudentSecure® Select
Comprehensive
Comprehensive
US - Within PPO: After deductible, pays 80% to $5,000, then 100% to policy maximum. US - Outside PPO: After deductible, plan pays Usual, Reasonable and Customary to policy maximum. Outside US: After deductible, plan pays 100% to policy maximum.
$35 per injury or illness
StudentSecure® Smart
Comprehensive
Comprehensive
US - Within PPO: After deductible, pays 80% to policy maximum. US - Outside PPO: After deductible, plan pays Usual, Reasonable and Customary to policy maximum. Outside US: After deductible, plan pays 100% to policy maximum.
$50 per injury or illness
StudentSecure® Budget
Comprehensive
Comprehensive
US - Within PPO: After deductible, pays 80% to $25,000, then 100% to policy maximum. US - Outside PPO: After deductible, plan pays Usual, Reasonable and Customary to policy maximum. Outside US: After deductible, plan pays 100% to policy maximum.
$45 per injury or illness

Medical - Outpatient

To policy maximum
To policy maximum
To policy maximum In US: $100 deductible/visit
Generic: 100% coinsurance Brand Name: 50% coinsurance
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum In US: $200 deductible/visit
50% of actual charges
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum In US: $350 deductible/visit
50% of actual charges
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum In US: $350 deductible/visit
50% of actual charges
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum

Medical - Inpatient

To policy maximum, average semi-private room including nursing services.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
To policy maximum, average semi-private room including nursing services.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
To policy maximum, average semi-private room including nursing services.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
To policy maximum, average semi-private room including nursing services.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum

Medical - Other Treatment And Services

60 days
Standard basic hospital bed and/or standard wheelchair rental up to purchase prices
Recreational: Included. Optional: School/Club Sports - $5,000 per injury/illness.
$750 per injury/illness, if covered injury/illness results in hospital admission.
$25,000. Pregnancy must begin after effective date.
Maximum of 30 days. Cannot be provided at a Student Health Center.
Maximum of 30 visits. Cannot be provided at a Student Health Center.
Included in the Mental & Nervous Disorder benefit
Physical Therapy and Chiropractic Care: $75 per day

Must be ordered in advance by a physician.
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
On effective date, $25,000 for Acute Onset only. After 6 month waiting period, same as any other eligible expense.
$750
$500
-
-
Included
60 days
Standard basic hospital bed and/or standard wheelchair rental up to purchase prices
Recreational: Included. Optional: School/Club Sports - $5,000 per injury/illness.
$750 per injury/illness, if covered injury/illness results in hospital admission.
$10,000. Pregnancy must begin after effective date.
Maximum of 30 days. Cannot be provided at a Student Health Center.
Maximum of 30 visits. Cannot be provided at a Student Health Center.
Included in the Mental & Nervous Disorder benefit
Physical Therapy and Chiropractic Care: $50 per day

Must be ordered in advance by a physician.
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
On effective date, $25,000 for Acute Onset only. After 6 month waiting period, same as any other eligible expense.
$750
$500
-
-
Included
60 days
Standard basic hospital bed and/or standard wheelchair rental up to purchase prices
Recreational: Included
$300 per injury/illness, if covered injury/illness results in hospital admission.
-
$5,000. Cannot be provided at a Student Health Center.
$50 per day, $500 maximum. Cannot be provided at a Student Health Center.
-
Physical Therapy and Chiropractic Care: $25 per day

Must be ordered in advance by a physician.
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
$25,000 for Acute Onset only.
-
$500
-
-
Included
60 days
Standard basic hospital bed and/or standard wheelchair rental up to purchase prices
Recreational: Included. Optional: School/Club Sports - $3,000 per injury/illness.
$500 per injury/illness, if covered injury/illness results in hospital admission.
$5,000. Pregnancy must begin after effective date.
Maximum of 30 days. Cannot be provided at a Student Health Center.
Maximum of 30 visits. Cannot be provided at a Student Health Center.
Included in the Mental & Nervous Disorder benefit
Physical Therapy and Chiropractic Care: $50 per day

Must be ordered in advance by a physician.
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
On effective date, $25,000 for Acute Onset only. After 12 month waiting period, same as any other eligible expense.
$250
$500
-
-
Included

Dental

$100 - Not subject to deductible or coinsurance
$250 per tooth; $500 maximum
$100 - Not subject to deductible or coinsurance
$250 per tooth; $500 maximum
$100 - Not subject to deductible or coinsurance
$250 per tooth; $500 maximum
$100 - Not subject to deductible or coinsurance
$250 per tooth; $500 maximum

Travel

-
-
-
$5,000, maximum of 15 days
$500,000
$50,000
-
-
-
-
-
$5,000, maximum of 15 days
$300,000
$50,000
-
-
-
-
-
$1,000, maximum of 15 days
$50,000
$25,000
-
-
-
-
-
$1,000, maximum of 15 days
$250,000
$25,000
-
-

Life

$25,000 Optional: up to $50,000
$25,000 Optional: up to $50,000
$25,000 Optional: up to $50,000
$25,000 Optional: up to $50,000
-
-
-
-

Other

-
Incidental: 15 days per 3 month period
-
-
-
$250,000
$50,000 Eligible medical expenses only
Outside Home Country
-
Incidental: 15 days per 3 month period
-
-
-
-
$50,000 Eligible medical expenses only
Outside Home Country
-
Incidental: 15 days per 3 month period
-
-
-
-
-
Outside Home Country
-
Incidental: 15 days per 3 month period
-
-
-
-
$50,000 Eligible medical expenses only
Outside Home Country

Plan Features

Before effective date, full refund. After effective date, must be within first 60 days, pro-rated refund for whole months minus $25 cancellation fee, as long as no claims have been filed since the effective date; form required.
1 month up to 1456 days
$0
Vaccination Coverage: Up to $150 Optional Crisis Response Rider: $100,000
Email
Postal Mail
Courier
Per Incident
$25 0-64
Per Incident
$500,000 0-64
WorldTrips
Lloyd's
Before effective date, full refund. After effective date, must be within first 60 days, pro-rated refund for whole months minus $25 cancellation fee, as long as no claims have been filed since the effective date; form required.
1 month up to 1456 days
$0
Optional: Crisis Response Rider $100,000
Email
Postal Mail
Courier
Per Incident
$35 0-64
Per Incident
$300,000 0-64
WorldTrips
Lloyd's
Before effective date, full refund. After effective date, must be within first 60 days, pro-rated refund for whole months minus $25 cancellation fee, as long as no claims have been filed since the effective date; form required.
1 month up to 1456 days
$0
-
Email
Postal Mail
Courier
Per Incident
$50 0-64
Per Incident
$100,000 0-64
WorldTrips
Lloyd's
Before effective date, full refund. After effective date, must be within first 60 days, pro-rated refund for whole months minus $25 cancellation fee, as long as no claims have been filed since the effective date; form required.
1 month up to 1456 days
$0
-
Email
Postal Mail
Courier
Per Incident
$45 0-64
Per Incident
$250,000 0-64
WorldTrips
Lloyd's
  • Home country - If you are a U.S. citizen, your home country is the United States, regardless of the location of your principal residence. If you are not a U.S. citizen, your home country is where you principally reside and receive regular mail.
  • For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
  • Whenever there is a difference in benefits levels within PPO network and outside PPO network, the benefits shown above are applicable when availing treatment within PPO network.
  • Coverages shown are per person unless noted otherwise.
  • The dash (-) in the fields above means Not Applicable (N/A).

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

Learn More

Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

Learn More

New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

Learn More

Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

Learn More

Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

Learn More

Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

Learn More

International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

Learn More