FAQs

The Student Secure plan will cover you anywhere in the world, as long as you are outside of your home country.

Yes, students on OPT or CPT are eligible for the Student Secure, even while on post-completion OPT, as long as you maintain valid F1 status.

Yes, full-time scholars who are outside of their home country and affiliated with an educational institution and performing work or research for at least 30 hours per week are eligible for the Student Secure plan. These activities may include but are not limited to performing research in an area of specialty or teaching for a temporary period of time. This requirement is waived for participants in the US with a valid F1 or J1 visa.

No, spouses and children are not eligible for the Student Secure plan, however if you need dependent coverage please see our other insurance options.

Coverage can be purchased online from anywhere up to 6 months before your chosen start date, right up until the very same day you are traveling.

Yes, you will receive an electronic PDF version of your insurance ID card immediately by email, and you can also choose to receive a physical ID card in the mail by selecting the “Email and Regular Mail” option on the application.

Yes. If you purchase your policy for less than 364 days, you can extend the plan up until you have a full 364 days of coverage. Once you have a full 364 days of coverage, you can then renew your plan for another year. If you continue to meet the eligibility requirements and don’t have any breaks in coverage, you can extend and renew your policy for up to a total of 4 years. Please note that there is an additional $5 fee per extension or renewal.

To be eligible for a full refund, the request for cancellation must be received prior to the effective date of your policy.

Cancellation requests received after the effective date will be subject to the following conditions:

1. A $25 cancellation fee will apply.
2. Only the unused full months of the plan cost will be refunded.
3. Only members who have no claims are eligible for premium refund.
4. After 60 days, no refunds are granted.
5. If you have only purchased 1 months coverage and cancel within that month, no refund will be due.

All cancellation requests must be submitted in writing. No cancellation requests can be accepted over the phone.

Yes, the Student Secure Budget, Select and Elite do cover pregnancies if conception occurs after the policy effective date. Benefits include, but are not limited to, pre-natal, delivery, and post-natal care as well as expenses for miscarriage and complications of pregnancy. Routine nursery care of newborns is also covered.

The Student Secure plan does not provide any coverage for vision.

Accidental dental is covered if you suffer an accident to your teeth and need to have dental surgery with coverage of $250 per tooth up to a maximum of $500 on the Budget, Select and Elite plans only. Regular dental check-ups or visits are not covered – however if you do have unexpected dental pain the plan will pay $100 towards expenses for treatment for this pain if you are on the Budget, Select or Elite plans. The Smart level does not provide any dental coverage.

You are free to visit any doctor or hospital (known as providers) that you wish to seek treatment from. However we do suggest you visit these providers as they are typically better placed to treat you: