The StudentSecure, our international student health insurance plan, is designed for international and study abroad students and is available in four plan levels: Smart, Budget, Select and Elite. Each plan level offers different coverage limits, with the Smart being the most affordable and the Elite the most comprehensive of the four plans. Please view the benefits below and contact us if you need further help with choosing the best plan option for you.
Doctor/Hospital Search
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Overall Maximum Limit
$200,000$200k
-
MaximumMax. per injury/illness
$100,000$100k
-
Deductible
per injury/illness Inside PPO Network, Outside USA or at Student Health Center (Except Emergency Room)
$50
-
Deductible
per injury/illness All other locations (Except Emergency Room)
$100
-
ER Deductible per visit
claims incurred in the USA
$350
-
Provider Network
Doctor/Hospital Search
-
Coinsurance
— In Network, Inside the USA
80% of eligible expenses after the deductible up to the overall maximum
-
Coinsurance
— Out of Network, Inside the USA
Usual, Reasonable, and Customary (URC)
-
Coinsurance
— Outside the USA
100% of Eligible Expenses, up to the Overall Maximum Limit, after the Deductible
-
Eligible expenses are subject to deductible, coinsurance, overall maximum limit, and are per certificate period unless specifically indicated otherwise.
-
Hospital Room & Board
Average Semi-Private Room Rate, including nursing services
-
Intensive Care Unit
Up to Overall Maximum Limit
-
Local Ambulance
per injury/ illness if hospitalized as Inpatient
Not subject to coinsurance
Up to $300
-
Outpatient Treatment
Up to Overall Maximum Limit
-
Outpatient Prescription Medication
Not subject to deductible or coinsurance
50% of Actual Charge
-
For those members with a US destination, you will be automatically enrolled into the VantageAmerica Drug Discount program — further details below
-
Vaccination
Not subject to deductible or coinsurance
No Coverage
-
Sports & Activities
Leisure, Recreational, Entertainment, or Fitness
Up to the Overall Maximum Limit
-
Mental Health
— Outpatient
Treatment must not be obtained at the Student Health Center
Up to $50 per day
$500 maximum
-
Mental Health
— Inpatient
Treatment must not be obtained at the Student Health Center
Up to $5,000
-
Maternity
Maternity care for a covered pregnancy
No Coverage
-
Newborn Care
Routine nursery care of newborn
Not subject to coinsurance
No Coverage
-
Therapeutic Termination of Pregnancy
Not subject to coinsurance
$500 MaximumMax.
-
Outpatient Physical Therapy & Chiropractic Care
Not subject to coinsurance
$25 per day
Must be ordered in advance by a physician and not obtained at a student health center
-
Dental treatment due to accident
Not subject to coinsurance
$250 per tooth / $500 MaximumMax.
-
Dental treatment to alleviate pain
Not subject to coinsurance
$100 MaximumMax.
-
Pre-existing Condition
No Coverage
-
Acute Onset of Pre-existing Condition
(See benefit description)
Up to $25,000 lifetime maximum for eligible medical expenses
-
Terrorism
Medical expenses only
No CoverageN/A
-
All other Eligible Medical Expenses
Up to the Overall Maximum
-
Emergency Medical Evacuation
Not subject to deductible coinsurance, or overall maximum limit
$50,000$50k lifetime maximum
-
Repatriation of Remains
Not subject to deductible coinsurance, or overall maximum limit
$25,000$25k lifetime maximum
-
Emergency Reunion
Not subject to deductible coinsurance, or overall maximum limit
Up to $1,000, subject to a maximum of 15 days
-
Accidental Death & Dismemberment
AD&D
Not subject to deductible coinsurance, or overall maximum limit
No Coverage
-
Personal Liability
Not subject to deductible coinsurance, or overall maximum limit
No Coverage
-
Add-Ons:
-
Optional Sports Add-On
Intercollegiate, Intramural, Interscholastic, Club sports
Medical expenses only
No Coverage
-
Overall Maximum Limit
$500,000$500k
-
MaximumMax. per injury/illness
$250,000$250k
-
Deductible
per injury/illness Inside PPO Network, Outside USA or at Student Health Center (Except Emergency Room)
$45
-
Deductible
per injury/illness All other locations (Except Emergency Room)
$90
-
ER Deductible per visit
claims incurred in the USA
$350
-
Provider Network
Doctor/Hospital Search
-
Coinsurance
— In Network, Inside the USA
80% of the next $25,000 of eligible expenses after the deductible, then 100% to the overall maximum
-
Coinsurance
— Out of Network, Inside the USA
Usual, Reasonable, and Customary (URC)
-
Coinsurance
— Outside the USA
100% of Eligible Expenses, up to the Overall Maximum Limit, after the Deductible
-
Eligible expenses are subject to deductible, coinsurance, overall maximum limit, and are per certificate period unless specifically indicated otherwise.
-
Hospital Room & Board
Average Semi-Private Room Rate, including nursing services
-
Intensive Care Unit
Up to Overall Maximum Limit
-
Local Ambulance
per injury/ illness if hospitalized as Inpatient
Not subject to coinsurance
Up to $500
-
Outpatient Treatment
Up to Overall Maximum Limit
-
Outpatient Prescription Medication
Not subject to deductible or coinsurance
50% of Actual Charge
-
For those members with a US destination, you will be automatically enrolled into the VantageAmerica Drug Discount program — further details below
-
Vaccination
Not subject to deductible or coinsurance
No Coverage
-
Sports & Activities
Leisure, Recreational, Entertainment, or Fitness
Up to the Overall Maximum Limit
-
Mental Health
— Outpatient
Treatment must not be obtained at the Student Health Center
Maximum of 30 visits.
Coverage includes drug and alcohol abuse.
-
Mental Health
— Inpatient
Treatment must not be obtained at the Student Health Center
Maximum of 30 days.
Coverage includes drug and alcohol abuse.
-
Maternity
Maternity care for a covered pregnancy
Up to $5,000
-
Newborn Care
Routine nursery care of newborn
Not subject to coinsurance
$250 MaximumMax.
-
Therapeutic Termination of Pregnancy
Not subject to coinsurance
$500 MaximumMax.
-
Outpatient Physical Therapy & Chiropractic Care
Not subject to coinsurance
$50 per day
Must be ordered in advance by a physician and not obtained at a student health center
-
Dental treatment due to accident
Not subject to coinsurance
$250 per tooth / $500 MaximumMax.
-
Dental treatment to alleviate pain
Not subject to coinsurance
$100 MaximumMax.
-
Pre-existing Condition
12-monthmo. waiting period
-
Acute Onset of Pre-existing Condition
(See benefit description)
Up to $25,000 lifetime maximum for eligible medical expenses
-
Terrorism
Medical expenses only
$50,000$50k MaximumMax.
-
All other Eligible Medical Expenses
Up to the Overall Maximum
-
Emergency Medical Evacuation
Not subject to deductible coinsurance, or overall maximum limit
$250,000$250k lifetime maximum
-
Repatriation of Remains
Not subject to deductible coinsurance, or overall maximum limit
$25,000$25k lifetime maximum
-
Emergency Reunion
Not subject to deductible coinsurance, or overall maximum limit
Up to $1,000, subject to a maximum of 15 days
-
Accidental Death & Dismemberment
AD&D
Not subject to deductible coinsurance, or overall maximum limit
No Coverage
-
Personal Liability
Not subject to deductible coinsurance, or overall maximum limit
No Coverage
-
Add-Ons:
-
Optional Sports Add-On
Intercollegiate, Intramural, Interscholastic, Club sports
Medical expenses only
$3,000 per injury/illness
-
Overall Maximum Limit
$600,000$600k
-
MaximumMax. per injury/illness
$300,000$300k
-
Deductible
per injury/illness Inside PPO Network, Outside USA or at Student Health Center (Except Emergency Room)
$35
-
Deductible
per injury/illness All other locations (Except Emergency Room)
$70
-
ER Deductible per visit
claims incurred in the USA
$200
-
Provider Network
Doctor/Hospital Search
-
Coinsurance
— In Network, Inside the USA
80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum
-
Coinsurance
— Out of Network, Inside the USA
Usual, Reasonable, and Customary (URC)
-
Coinsurance
— Outside the USA
100% of Eligible Expenses, up to the Overall Maximum Limit, after the Deductible
-
Eligible expenses are subject to deductible, coinsurance, overall maximum limit, and are per certificate period unless specifically indicated otherwise.
-
Hospital Room & Board
Average Semi-Private Room Rate, including nursing services
-
Intensive Care Unit
Up to Overall Maximum Limit
-
Local Ambulance
per injury/ illness if hospitalized as Inpatient
Not subject to coinsurance
Up to $750
-
Outpatient Treatment
Up to Overall Maximum Limit
-
Outpatient Prescription Medication
Not subject to deductible or coinsurance
50% of Actual Charge
-
For those members with a US destination, you will be automatically enrolled into the VantageAmerica Drug Discount program — further details below
-
Vaccination
Not subject to deductible or coinsurance
No Coverage
-
Sports & Activities
Leisure, Recreational, Entertainment, or Fitness
Up to the Overall Maximum Limit
-
Mental Health
— Outpatient
Treatment must not be obtained at the Student Health Center
Maximum of 30 visits.
Coverage includes drug and alcohol abuse.
-
Mental Health
— Inpatient
Treatment must not be obtained at the Student Health Center
Maximum of 30 days.
Coverage includes drug and alcohol abuse.
-
Maternity
Maternity care for a covered pregnancy
Up to $10,000
-
Newborn Care
Routine nursery care of newborn
Not subject to coinsurance
$750 MaximumMax.
-
Therapeutic Termination of Pregnancy
Not subject to coinsurance
$500 MaximumMax.
-
Outpatient Physical Therapy & Chiropractic Care
Not subject to coinsurance
$50 per day
Must be ordered in advance by a physician and not obtained at a student health center
-
Dental treatment due to accident
Not subject to coinsurance
$250 per tooth / $500 MaximumMax.
-
Dental treatment to alleviate pain
Not subject to coinsurance
$100 MaximumMax.
-
Pre-existing Condition
6-monthmo. waiting period
-
Acute Onset of Pre-existing Condition
(See benefit description)
Up to $25,000 lifetime maximum for eligible medical expenses
-
Terrorism
Medical expenses only
$50,000$50k MaximumMax.
-
All other Eligible Medical Expenses
Up to the Overall Maximum
-
Emergency Medical Evacuation
Not subject to deductible coinsurance, or overall maximum limit
$300,000$300k lifetime maximum
-
Repatriation of Remains
Not subject to deductible coinsurance, or overall maximum limit
$50,000$50k lifetime maximum
-
Emergency Reunion
Not subject to deductible coinsurance, or overall maximum limit
Up to $5,000, subject to a maximum of 15 days
-
Accidental Death & Dismemberment
AD&D
Not subject to deductible coinsurance, or overall maximum limit
Lifetime Maximum — $25,000
Death or Loss of 2 Limbs — $25,000
Loss of 1 Limb — $12,500
-
Personal Liability
Not subject to deductible coinsurance, or overall maximum limit
No Coverage
-
Add-Ons:
-
Optional Sports Add-On
Intercollegiate, Intramural, Interscholastic, Club sports
Medical expenses only
$5,000 per injury/illness
-
Overall Maximum Limit
$5,000,000$5M
-
MaximumMax. per injury/illness
$500,000$500k
-
Deductible
per injury/illness Inside PPO Network, Outside USA or at Student Health Center (Except Emergency Room)
$25
-
Deductible
per injury/illness All other locations (Except Emergency Room)
$50
-
ER Deductible per visit
claims incurred in the USA
$100
-
Provider Network
Doctor/Hospital Search
-
Coinsurance
— In Network, Inside the USA
100% of eligible expenses after the deductible to the overall maximum
-
Coinsurance
— Out of Network, Inside the USA
Usual, Reasonable, and Customary (URC)
-
Coinsurance
— Outside the USA
100% of Eligible Expenses, up to the Overall Maximum Limit, after the Deductible
-
Eligible expenses are subject to deductible, coinsurance, overall maximum limit, and are per certificate period unless specifically indicated otherwise.
-
Hospital Room & Board
Average Semi-Private Room Rate, including nursing services
-
Intensive Care Unit
Up to Overall Maximum Limit
-
Local Ambulance
per injury/ illness if hospitalized as Inpatient
Not subject to coinsurance
Up to $750
-
Outpatient Treatment
Up to Overall Maximum Limit
-
Outpatient Prescription Medication
Not subject to deductible or coinsurance
- 100% coverage for generic
- 50% coverage for brand
- Specialty Drugs: No coverage
-
For those members with a US destination, you will be automatically enrolled into the VantageAmerica Drug Discount program — further details below
-
Vaccination
Not subject to deductible or coinsurance
$150 maximum
see plan wording for list of covered vaccinations
-
Sports & Activities
Leisure, Recreational, Entertainment, or Fitness
Up to the Overall Maximum Limit
-
Mental Health
— Outpatient
Treatment must not be obtained at the Student Health Center
Maximum of 30 visits.
Coverage includes drug and alcohol abuse.
-
Mental Health
— Inpatient
Treatment must not be obtained at the Student Health Center
Maximum of 30 days.
Coverage includes drug and alcohol abuse.
-
Maternity
Maternity care for a covered pregnancy
Up to $25,000
-
Newborn Care
Routine nursery care of newborn
Not subject to coinsurance
$750 MaximumMax.
-
Therapeutic Termination of Pregnancy
Not subject to coinsurance
$500 MaximumMax.
-
Outpatient Physical Therapy & Chiropractic Care
Not subject to coinsurance
$75 per day
Must be ordered in advance by a physician and not obtained at a student health center
-
Dental treatment due to accident
Not subject to coinsurance
$250 per tooth / $500 MaximumMax.
-
Dental treatment to alleviate pain
Not subject to coinsurance
$100 MaximumMax.
-
Pre-existing Condition
6-monthmo. waiting period
-
Acute Onset of Pre-existing Condition
(See benefit description)
Up to $25,000 lifetime maximum for eligible medical expenses
-
Terrorism
Medical expenses only
$50,000$50k MaximumMax.
-
All other Eligible Medical Expenses
Up to the Overall Maximum
-
Emergency Medical Evacuation
Not subject to deductible coinsurance, or overall maximum limit
$500,000$500k lifetime maximum
-
Repatriation of Remains
Not subject to deductible coinsurance, or overall maximum limit
$50,000$50k lifetime maximum
-
Emergency Reunion
Not subject to deductible coinsurance, or overall maximum limit
Up to $5,000, subject to a maximum of 15 days
-
Accidental Death & Dismemberment
AD&D
Not subject to deductible coinsurance, or overall maximum limit
Lifetime Maximum — $25,000
Death or Loss of 2 Limbs — $25,000
Loss of 1 Limb — $12,500
-
Personal Liability
Not subject to deductible coinsurance, or overall maximum limit
Up to $250,000 lifetime maximum
-
Add-Ons:
-
Optional Sports Add-On
Intercollegiate, Intramural, Interscholastic, Club sports
Medical expenses only
$5,000 per injury/illness
Please note: The benefit table listed above is a consolidated version of the full plan benefits. Please
view the Student Secure plan certificate for the full benefits and limitations of the plan. Limits apply to all benefits.
Cancellation
Premiums will be refunded in full if cancellation request is received prior to the certificate effective date.
Premiums may be refunded after the certificate effective date subject to the following provisions:
-
A $25 cancellation fee will apply for administrative costs incurred by us; and
-
Only premium for unused whole-months, if paying in monthly installments, or unused days, if paid in full, of the plan will be refunded; and
-
You cannot have filed any claims to be eligible for premium refund; and
-
No refund of premium shall be granted after 60 days.
Eligibility
-
You must be under age 65; and
- A full-time student at a college or university (excluding online colleges and universities); or
- Within 31 days of being a full-time student at a college or university; or
- A student under age 19 enrolled in a secondary school; or
-
A full-time scholar affiliated with an educational institution and performing work or research for at least 30 hours per week;
- You must be residing outside your home country for the purpose of pursuing international educational activities; and
- You must not have obtained residency status in your host country; and
- If in the U.S., you must hold a valid education-related visa. A copy of the I-20 or DS2019 may be requested.
J-1 and F-1 visa holders: The full-time student/scholar status requirement is waived within the U.S. if you have a valid F-1 visa (including OPT) or a J-1 visa. Full-time status requirements remain in force for individuals holding M-1, or other category visas.
Certificate Effective Date
Insurance hereunder is effective on the later of:
- The moment we receive application and correct premium if application and payment is made online or by fax; or
-
12:01am U.S .Eastern Time on the date we receive application and correct premium if application and payment is made by mail; or
- The moment you depart from your home country; or
- 12:01am U.S. Eastern Time on the date requested on the application.
Certificate Termination Date
Insurance hereunder terminates on the earlier of:
-
11:59pm U.S. Eastern Time on the last day of the period for which premium has been paid; or
-
11:59pm U.S. Eastern Time on the date requested on the application; or
-
12:01am U.S. Eastern Time on the date you no longer meet eligibility requirements; or
-
The moment of arrival upon your return to your home country (unless you have started a benefit period or are eligible for home country coverage).
Benefit Period
While the certificate is in effect, the benefit period does not apply. Upon termination of the certificate, we will pay eligible medical expenses for up to 60 days beginning on the first day of diagnosis or treatment of a covered injury or illness while you are outside your home country and while this certificate is in effect. The benefit period applies only to eligible medical expenses related to a condition for which you are hospitalized as an inpatient on the termination date of the certificate.
In the event you begin a benefit period while the certificate is in effect, and the certificate terminates because you return to your home country, we will pay eligible medical expenses which are incurred in your home country during the benefit period. Home country coverage applies only to eligible medical expenses for which you are hospitalized as an inpatient on the termination date of the certificate.
Incidental Home Country Coverage
You must have purchased three months of coverage for the Incidental Home Country Coverage to be in effect.
For every three-month period during which you are covered, eligible medical expenses are covered up to a maximum of 15 days for any three-month period.
Any benefit accrued under a single three-month period does not accumulate to another period. Failure to continue your international trip or your return to your home country for the sole purpose of obtaining treatment for an illness or injury that began while traveling shall void any incidental home country coverage.
For all non-U.S. citizens electing coverage “Excluding the U.S.” and for all U.S. citizens or residents, no coverage is provided within the U.S., except for U.S. citizens or residents during an eligible incidental home country visit or an eligible benefit period.
VantageAmerica Discount Card
Your nationally recognized VantageAmerica Solutions Discount Pharmacy Card provides discounts on most FDA approved prescription drugs. There are no limited drug lists, no waiting periods and your card is active the moment you present it to the pharmacy saving an average from 5%-15% off the cash price for brand drugs and an average 15%-40% off the price of generic drugs. In the event a pharmacy's price is lower than our discounted price, you will always receive the lowest price available.
Your VantageAmerica Solutions Discount Pharmacy Card is widely accepted at over 54,000 participating pharmacies across the United States, including most national and regional chains, pharmacy associations, and many local community pharmacies.
Once you have received your instant discount, the remaining prescription expenses can still be submitted for reimbursement as usual.
Please note:
- Card NOT Valid in AK, MA, MN, MT, VT, and Canada
- Pharmacy discounts are NOT insurance and are NOT intended as a substitute for insurance.
- The discount is only available at participating pharmacies
Quote/Buy
This plan is underwritten by Lloyd's.
Find out if this plan is right for you in this short one minute video!