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** In June 2021, Tokio Marine HCC rebranded as WorldTrips.**

Tokio Marine HCC StudentSecure Insurance

Tokio Marine HCC Atlas America Insurance Reviews

Having the opportunity to study abroad can be an excellent experience for many students. While earning your education in a different country can be thrilling, there are also many factors involved that you should be aware of before you start making travel plans. One of the most important things to keep in mind is how you will pay for health care if your current insurance policy doesn’t pay for services while traveling or studying in a foreign country.

No one wants to end up needing urgent medical care only to find out they are unable to pay for the out-of-pocket costs. That’s why there are travel insurance plans offered to and designed for students who choose to study in a different country from their own (commonly known as student travel insurance). One of the best options currently available is the StudentSecure plan provided by Tokio Marine HCC.

Click here to compare Tokio Marine HCC plans side by side with other providers


What is Tokio Marine HCC’s StudentSecure Plan?

The Tokio Marine HCC StudentSecure Plan is an excellent travel insurance option for anyone choosing to study abroad. This international health plan provides coverage for individuals under the age of 65 years who are studying, teaching, or performing educational research outside their home country. Travel health insurance is a necessity for all students and educational professionals who plan on traveling to further their education or instruct others.

To obtain a student visa or enroll in specific learning institutions, international students must have some form of health insurance coverage. The StudentSecure Plan from Tokio Marine HCC is the preferred option because it meets the majority of visa requirements. That includes requirements for the Schengen visa and student visas provided by the United States government.


What are the Benefits of the StudentSecure Plan?

The StudentSecure plan has several benefits to offer students who choose to study in foreign countries. These benefits help to guarantee that policyholders will always have the healthcare services they need, no matter where they may be located.

The travel health insurance plan has four coverage policy options available; Elite, Select, Budget, and Smart. Each plan offers exclusive benefits designed to meet your travel and financial needs.

Here are a few of the coverage limits and benefits offered through these StudentSecure Plans.

Certification Period Maximum

The maximum for each plan is

  • Elite – $5,000,000
  • Select – $600,000
  • Budget – $500,000
  • Smart – $200,000


The following deductibles are per injury or illness within the PPO network offered by the StudentSecure Plan.

  • Elite – $25 or for individuals outside of the United States or those treated at a student health care center. $50 per injury or illness.
  • Select – $35 or for individuals outside of the United States or those treated at a student health care center, $70 per injury or illness.
  • Budget – $45 or for individuals outside of the United States or those treated at a student health care center. $90 per injury or illness.
  • Smart – $50 or for individuals outside of the United States or those treated at a student health care center. $100 per injury or illness.

Emergency Room Deductibles

These deductibles are for treatment received in an emergency room.

  • Elite – $100
  • Select – $200
  • Budget – $350
  • Smart – $350

Hospital Stay and Board

All four plans cover an average semi-private hospital room that includes all necessary nursing services.

Intensive Care Services

It provides coverage up to the maximum limit offered.

Outpatient Treatment

It provides coverage up to the maximum limit offered.


The Elite plan pays up to $150 for all covered vaccinations and tests. These include vaccinations for:

  • Measles
  • Mumps
  • Rubella (MMR)
  • Tetanus/Diphtheria/Pertussis (TDAP)
  • Chicken Pox
  • Hepatitis B
  • Meningitis
  • Mental Health Treatment

The Elite, Select, and Budget Plans pay for outpatient care up to a maximum of 30 visits. It also pays for inpatient care for a maximum of 30 days.

The Smart plan pays $50 per day for outpatient care and a total of $500 maximum. It pays up to $5,000 in total for inpatient care.

Maternity Care

The plans pay the following amounts for covered pregnancies.

  • Elite – Up to $25,000
  • Select – Up to $10,000
  • Budget – Up to $5,000
  • Smart – No coverage

Severe Re-occurrence of Pre-existing Conditions

All four plans pay up to a $25,000 lifetime maximum for all eligible expenses.


What is Covered by the StudentSecure Plan?

The StudentSecure Plan offers a broad range of coverage options throughout the four plans that students and educators may choose.

Pre-Existing Conditions

Under the StudentSecure Elite and Select plans, policyholders will have benefits for pre-existing conditions if they have six months of continuous coverage. StudentSecure Budget policyholders will need to wait until they have 12 months of constant coverage.

Re-occurrence of Pre-Existing Condition

Students and educators with a StudentSecure plan may receive up to $ 25,000-lifetime maximum coverage for the re-occurrence of pre-existing conditions. That means it will cover the sudden onset or the re-occurrence of a disease previously diagnosed that occurs without any advanced warning.

Mental Health Disorders

This travel health insurance plan offers benefits for mental health disorders. Drug and alcohol abuse treatment is also covered for Elite and Budget plan holders. Treatment is only covered by the plan if it is not received at a student healthcare center.

Emergency Dental

Coverage for emergency dental treatment and emergency dental surgery that is needed to replace lost or damaged natural teeth is covered at a maximum of $250 per tooth and $500 plan maximum. Medication to resolve the sudden onset of pain is subject to a maximum amount of $100 per certificate term.

Emergency Medical Evacuation

StudentSecure covers the cost of emergency transportation, lodging, and the cost of meals if an emergency medical evacuation is necessary.


The Elite, Select, and Budget StudentSecure plans offer available medical coverage for expenses that are a result of acts of terrorism. Coverage is excluded in areas where the U.S. Department of State has issued a Level 3 or Level 4 advisory.

Organized Sports Activities

Coverage for medical expenses for injuries or illnesses which occurred after participating in interscholastic or intramural sports is covered up to a maximum of $5,000 per injury with the Elite or Select plan. The Budget plan includes coverage of up to $3,000 per injury. The Smart plan does not provide coverage for sports-related illnesses or injuries.

Repatriation of Remains

All StudentSecure plans will pay for the repatriation of your remains back to your family while you are traveling abroad.


About Tokio Marine HCC

The StudentSecure plan is one of many travel health insurance plans offered by Tokio Marine HCC. It is a subsidiary of Tokio Marine, a leading health insurance company that provides policies for individuals and groups in more than 170 countries. Tokio Marine HCC’s headquarters is in Houston, TX. They have a solid financial rating of AA- The company is re-insured by one of the oldest and largest reinsurers in the world, Lloyd’s of London.


Tokio Marine HCC Travel Insurance Plans

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