world trips international student insurance

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Global Connections on Campus The depth and scope of UT’s global academics are evident in the vast network of centers, programs and organizations dedicated to international scholarship, research, creative activity and teaching.

Global Research and Creative Activity UT faculty engage in research and creative activities on every continent, advancing UT Austin’s academic mission and global impact.

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• Global Risk and Safety

Student International Travel

The steps in this process are only for students who are NOT traveling as part of an official Education Abroad Program or Social Work Field Placement. All other student travel to international locations is subject to the Student International Travel Policy .

Please note that this travel policy is separate from the Request for Travel Authorization (RTA) process. Students who are expecting to receive reimbursement from their department for their travel expenses should complete an RTA in addition to the forms required by Texas Global. The RTA process is administered at the department level.

Before proceeding, please note that students traveling to a UT-Restricted Region must follow the Restricted Regions Travel Authorization Process for approval. Registration and insurance requirements still apply.

Note - Please see the Travel Registration FAQs for commonly asked questions.

Student International Travel Process

Request restricted regions travel approval, individual students.

Check whether the country you are traveling to is on the UT Austin  Restricted Regions list . If so, apply for and obtain travel approval from the International Oversight Committee . If your destination does not appear on the Restricted Regions list, proceed to Step 2.

Group Leaders

If you will be leading a group of students abroad, you are required to first  obtain approval from Texas Global Risk and Safety  AND complete the mandatory  Safety Assessment for International Group Experiences (SAIGE) process . All travel to locations designated as  Restricted Regions  requires approval by the International Oversight Committee.

Visit the UT Austin Group International Travel Approval Process page for more information .

Register Your Travel

As outlined in the University of Texas at Austin International Travel Process , all University of Texas international travelers (not participating in approved Education Abroad programs) must register their trips in the UT Austin International Travel Registry  (ITR). 

After completing your travel registration, create a confirmation receipt and email it to Global Risk and Safety at  [email protected] . In the file name, include your first name, last name, and EID (example: “Jon Smith JS1234 ITR”). 

Review Information About Insurance Coverage While Abroad

All UT students traveling internationally are automatically enrolled in  UT Overseas Insurance coverage  and required to pay the associated fee of $19 per week. These charges are not included in student tuition and will appear on a student's  What I Owe page .

Students will be charged for each semester of Overseas Insurance coverage individually. This means that a student studying/researching abroad for continuous academic periods will see a separate charge for each academic period on their What I Owe page .

Students who are traveling to their country of citizenship may be exempted from paying the Overseas Insurance fee. To be exempted, you will need to submit documentation of your citizenship (i.e., copy of your valid passport) and a formal request for an exception .

International Students Traveling Abroad

To determine whether or not you are eligible for a waiver of the UT Domestic (U.S.) student insurance fees while you are abroad, review the  guidelines  to find your eligibility category and deadline.

For specific questions about insurance, your quickest source for an answer is available at  Ask Us .

Review Health and Safety Information for Your Destination

Review information from resources like the U.S. Department of State and Centers for Disease Control and Prevention , as well as the health and safety resources that Global Risk and Safety has developed, including:

• Travel Safety 101
• Handouts for developing self-care plans, emergency action plans, and more
• How to use On Call International

Register your trip in the Smart Traveler Enrollment Program (STEP)

Registering in the free  Smart Traveler Enrollment Program (STEP) through the U.S. Department of State will inform the U.S. Embassy you are in-country and allow them to email you critical alerts and travel/security advice while abroad. 

Non-U.S. citizens can register their trip in their home country’s equivalent of STEP.

Complete Mandatory Export Control Documentation

If you are traveling abroad with any equipment owned by UT Austin, you must complete the TMP License Exemption form and carry a copy with you while traveling. Please note: this form does not require approval by UT Austin; it is self-effectuating upon your completion and signature of the document.

All university employees (including graduate student employees) traveling on official university business to a country of concern (China, including Hong Kong and Macau, Russia, Iran, or North Korea) are required to utilize a university provided loaner laptop while on official travel. For additional information please contact the Office of Research Support and Compliance via [email protected] .

Travel Registration FAQs

The UT Austin International Travel Registry (ITR) is the system for registering international travel for students who have not completed any action within the Education Abroad (MyAbroad) Portal, which typically means the travel or research falls outside of a traditional study abroad program. The ITR is used to locate travelers in the event of an emergency. This registry automatically enrolls travelers in the mandatory Overseas Insurance and emergency assistance coverage through On Call International .

Personal travel should not be registered in the ITR. The ITR is reserved for international travel conducted for university business purposes (e.g., study, research, internship, field work).

If you are a citizen of the country to which you will be traveling and you wish to opt out of enrollment in overseas insurance, you will need to submit documentation of your citizenship (i.e., copy of your valid passport) and a formal request for an exception .

If your travel plans change, please email the Global Risk and Safety team with updated details and we will update your travel record on your behalf.

Security Alert May 17, 2024

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Burma (Myanmar) Travel Advisory

Travel advisory june 6, 2024, burma (myanmar) - level 4: do not travel.

Updated Country Summary, to include information about implementation of a conscription law, and changes to the “ If you decide to travel to Burma” section.

Do not travel to Burma due to  civil unrest, armed conflict, and arbitrary enforcement of local laws . Reconsider travel to Burma due to  limited and/or inadequate healthcare and emergency medical resources, and areas with land mines and unexploded ordnances . Exercise increased caution due to  wrongful detentions .

COUNTRY SUMMARY:  The Burma military regime detained and deposed elected government officials in a February 2021 coup d'état. Protests and demonstrations against military rule continue, often on significant dates. The military has responded to those protests by  arbitrarily detaining individuals  and with the indiscriminate use of deadly force against protesters and bystanders.

The Department of State has determined that the  risk of wrongful detention  of U.S. nationals by the military regime exists.

The U.S. government has limited ability to provide emergency services to U.S. citizens in Burma due to security concerns amidst the ongoing armed conflict. This may be of particular concern to crime victims outside of Rangoon.

To mitigate safety and security risks, U.S. government employees’ dependents, under the age of 21, cannot reside in Burma with their U.S. government parent assigned to work in Burma.

Civil unrest and armed conflict  occur throughout Burma. The level of civil unrest and armed conflict varies significantly between and within states and regions and may change at any time.

Civil unrest and armed violence due to fighting between the military regime and various ethnic groups and militias occur particularly in parts of Chin, Kachin, Kayin, Rakhine, and Shan States, as well as in Sagaing and Magway regions.

Improvised explosive devices (IEDs) are used in the ongoing armed conflicts, including within the greater Rangoon area. From January to December 2023, the U.S. Embassy in Rangoon calculated an average of fifteen IEDs per month detonated against regime targets, while an average of eight unexploded IEDs were discovered and safely disposed of per month by security authorities. Outside of Rangoon, there have been IED attacks against checkpoints and other critical infrastructure.

While land mines and unexploded ordnance (UXO) exist throughout Burma , NGOs working on this issue state the greatest concerns are in Shan, Chin, and Kachin State. The locations of landmines and UXO are often not marked or otherwise unidentifiable.

The military regime  arbitrarily enforces local laws , including often detaining individuals without respect for their fair trial guarantees or other applicable rights . Foreigners, including U.S. citizens, are not excluded from this practice. U.S. citizens traveling or residing in Burma may be detained and regime authorities could deny access to U.S. consular services or information about the alleged crime.

Local law enforcement officials may detain and/or deport U.S. citizens for speaking out or protesting against the military regime, including on their personal social media accounts, and for sending private electronic messages critical of the military regime. Facebook and X (Twitter) are banned in Burma. Police have sought bribes from individuals using a virtual private network (VPN) to access social media sites even though VPN use is legal.

Burma has  limited and/or inadequate healthcare and emergency medical resources  due to critical staffing shortages in the public sector health workforce. Importation of medical supplies, including medicine, into Burma is not consistent and medical prescriptions and over-the-counter medicine may not be available.

Burma’s military conscription law was first introduced in 2010 but historically was not widely implemented. The military regime officially implemented the law in April 2024. In general, Burmese males aged 18 to 35 and Burmese females aged 18 to 27 will need to register for military service and report for duty if ordered by regime authorities. Burmese males aged 18 to 45 and Burmese females aged 18 to 35 in specific expert/professional occupations must serve if called upon by the regime. For more information, please refer to the Myanmar People’s Military Service Law (State Peace and Development Council Law No. 27/2010), also known as the Public Military Service Law. The military regime may refuse to acknowledge U.S.-Burmese dual nationals’ U.S. citizenship, prevent their departure from Burma, and/or conscript them into the military. U.S.-Burmese nationals should consider this issue before traveling to Burma.

Read the Country Information page for additional information on travel to Burma.

If you decide to travel to Burma:

• Enroll in the  Smart Traveler Enrollment Program (STEP)  to receive Alerts and make it easier to locate you in an emergency.
• Follow the Department of State on  Facebook  and  Twitter .
• Follow the Embassy on  Facebook  and  Twitter .
• Follow the Embassy’s Consular Section on  Facebook .
• Review the  Country Security Report  for Burma.
• Visit the CDC page for the latest  Travel Health Information  related to your travel. 
• Purchase travel medical insurance that covers Burma and includes medical evacuation. 
• Do not touch unknown metal objects and avoid traveling off well-used roads, tracks, and paths due to risk of unexploded ordnance. 
• Keep travel documents up to date and easily accessible. 
• Make contingency plans to leave the country. 
• Review local laws and conditions before traveling.  
• Review our website on Dual-Nationality . 
• Visit our website for  High-Risk Area Travelers .   
• Share important documents, login information, and points of contact with loved ones so that they can manage your affairs if you are unable to return as planned to the United States. 
• Review Ready.gov’s Financial Preparedness webpage .
• Develop a communication plan with family and/or your employer or host organization.
• Erase any sensitive photos, comments, or other materials that could be considered controversial or provocative by local groups from your social media pages, cameras, laptops, and other electronic devices prior to travel.

Travel Advisory Levels

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Humber International

Health Care at Humber

Health Insurance

To ensure that all international students at Humber have access to basic health care while studying at Humber, health care insurance is mandatory for all international students. For all full-time, fee-paying, international students, the cost of this basic health care insurance is included within the tuition fees.

Coverage Upon Arrival

Travel insurance.

Humber coverage is effective only from the first day of classes, not from your date of arrival in Canada . Therefore, if you arrive before the start of classes, it is strongly recommended that you purchase travel insurance, including health care insurance, to cover yourself until the first official day of classes.

Coverage While You Are at Humber

International students.

International students at Humber are covered by two insurance plans:

• International OHIP Alternative/Morcare
• IGNITE Extended Health and Dental

International students are covered under the college health insurance plan from the first day of classes. The insurance fee is pro-rated based on the semester you begin your studies, i.e., September, January or May. The health care insurance is a basic package that is subject to change on an annual basis. It is important to emphasize that not all health conditions are covered.

Please note: Returning students who opt to take the Fall term (September) off will not be covered until the semester they return to school.

Review Your Coverage

International students are strongly urged to review their coverage information and purchase additional insurance coverage as appropriate. If you have any questions, please contact a Humber International Student Advisor (ISA) in the International Office.

This health insurance coverage is for international students only. It does not include spouses or children. If you have a spouse and/or dependents, you may wish to pay a supplemental fee and purchase insurance. Arrangements for adding family members are made directly with Morcare, our health insurance provider. The option to add family members will not be available until the start of the semester. A link will appear on the landing page at We Speak Student for a limited time.

The Humber Health Centre

Health & Counselling services at Humber are confidential and available to all registered students. Our goal is to promote student success by providing care that supports well-being.

Health Insurance FAQ

If your semester break is during the Winter or Summer semester and you were registered for the Fall semester you might be covered for the International OHIP alternative. If your break is happening during the Fall semester; unfortunately, you won’t have health insurance coverage until you resume your studies at Humber. We encourage students to contact the International Centre to verify policy coverage.

Please contact [email protected] to learn about extended Health & Dental coverage while on semester break.

Possibly. An email will be sent after the second week of classes for students to self-identify if they have valid Ontario government-issued OHIP coverage. The email will explain the steps, documents, conditions and timeline for the process. The opt-out period is available every September for Fall intake and January for Winter intake (Students who had International OHIP alternative health insurance during the Fall semester are not eligible for Winter semester opt-out, OHIP opt outs are only offered for Fall and Winter intakes.)

Students graduating at the end of the Fall semester may be eligible for International OHIP alternative opt-out at the end of their studies and will receive a potential refund according to the left-over policy time. Eligible students will receive an email by mid-January with the instructions and steps to opt out. Graduating student opt outs are only available for Fall graduates.

For new students only, arriving to study at Humber for the first time , Morcare offers early arrival coverage at no additional cost. This benefit will be in effect one month prior to the start of the semester or your date of arrival in Canada - whichever is later. For example, if your first semester is during the Fall of 2024, your coverage will start when you arrive in Canada after August 1st, 2024. (Please note that students already in Canada and or starting a second program/ might be subject to different coverage dates) coverage always ends on August 31st every year. Please note that the early arrival coverage will only be in effect once you arrive in Canada, expenses incurred before landing are not covered.

Your International OHIP alternative portion of the insurance is active until August 31, every year. If you graduate before that date, you can use your insurance until the policy expires. After that, we encourage you to reach out to private insurance companies and compare their coverage according to your needs. Please note that the IGNITE Extended Health and Dental insurance is per semester, after you complete your program, this portion will not be active.

Humber students have travel coverage to countries other than their own for 180 days. You can review the coverage overview on the site and more details of the Travel Coverage on the Booklet .

However, to confirm that the country that you are travelling is an eligible coverage travel country, please contact Global Excel at 1-877-207-5018. They will be able to provide more information.

If you have more questions related to your International OHIP Alternative portion of the health insurance, please submit a Contact form

If you need more information about the IGNITE Extended Health and Dental portion of the health insurance, please email [email protected] .

Morcare contact information:

Live chat: Available at the bottom right corner of the Morcare website Phone: 416-216-5735 or 1-888-985-1552 (Toll Free) Email: [email protected]

Once you receive the email that confirms your International OHIP alternative insurance card is available, please follow in detail these steps depending on the device that you are using to download your card:

On your computer:

Visit the morcare website Select “Choose Your School” – Humber International Select “International Students Humber and Guelph-Humber” Select “Student Medical Card” (on the left in burgundy) Enter your Gender, Date of Birth, and Humber Student Number Select “Get My Card” (in green below "Gender") You can print off a copy of your Student Medical Card and take a screenshot to keep on your phone; we do not provide hard copies of medical cards.

On your phone: Visit the morcare website Select “Choose Your School” – Humber International Select “International Students Humber and Guelph-Humber” Select the black and white striped box on the top right of the screen. Select "Your Space" Select "Student Medical Card" in blue. Enter your Gender, Date of Birth, and Humber Student Number Select “Get My Card” (in green) You can print off a copy of your Student Medical Card and take a screenshot to keep on your phone; we do not provide hard copies of medical cards. We recommend using Google Chrome as your browser when downloading your health insurance card.

To add a family member to your insurance plan, you may do so at the beginning of your first semester or each academic year at an additional cost. You must add your family member(s) to the plan within 30 days of a life-changing event (eg. arrival in Canada or the birth of a new child).

Please follow these steps:

• Visit Morcare
• Select “Choose Your School” – Humber International
• Select “International Students Humber and Guelph-Humber”
• During the opt-in period, a "Family opt In" button will appear on the bottom right of the screen

Family Opt-in dates:

Fall 2024: September 1 – October 11, 2024 by 4 p.m. Winter 2025: January 1 – February 14, 2025 by 4 p.m. Summer 2025: May 1 – June 13, 2025 by 4 p.m.

Please be prepared to pay any additional fees when opting in family member(s) onto your plan and make sure to read the terms and conditions thoroughly when adding your family member (s) into your plan.

If you have further questions, please reach out to the insurer using the "Live Chat" on the bottom left of the screen on the morcare website ; by phone at 1.888.985.1552; or by email at [email protected]

Please be advised that Humber's insurance year runs from September 1st to August 31st and the charge is a flat fee, valid until 31 August each year. For example, if you add dependents starting for the Summer semester, the coverage will start on April 1st and end on August 31st. If you are continuing your studies in the Fall, you will have to re-enroll your dependents to the health insurance and pay the additional costs. Family enrollment starting during the Fall semester will be valid from September 1st to August 31st of the next calendar year.

Please note that the coverage for added family members is fully dependent on the main student status in the college. If the student is not enrolled or not active, the health insurance benefits for both student and dependents will also be inactive.

For International OHIP Alternative - This covers services such as hospital, x-rays and medical services: Please use the 2023-2024 International Health Claim Form . Fill out sections 1a, 2, 3 and 5. Attach all original invoices/receipts (make copies of your own records) and email them to [email protected] .

International OHIP Alternative claims must be submitted by email only.

• Your group policy number is: 100011032
• Provider: Special Market Solutions
• Your certificate number is your student ID

Please allow up to 6 weeks for processing at which time the insurer will respond to your claim directly.

For IGNITE Extended Health and Dental - This covers prescription medications, dental, vision, extended health, etc.:

You can submit the claim electronically by creating a profile with the insurer.

You will need to provide your Group number, Certificate ID number (both found on your student benefits card) and date of birth when setting up your profile. To submit the claims online with the insurer you must also set up a direct deposit account for reimbursement.

Please visit Claim Secure's Login page if you would like to create a profile. *Please remember to make a record of your username and password.

• Your Group Number is 514561
• Provider: ClaimSecure
• Your Certificate Number is: Z0_ _ _ _ _ _ _ _ (Z0 followed by the last 8 digits of your student number) All claims must be submitted to Morcare within 6 months from the expenses' date. 

The International OHIP alternative health insurance is billed in your tuition and purchased for all active/registered international students once per academic year, with an expiry date of August 31st every year. The fees vary depending on when you are starting your first semester:

The IGNITE Health and Dental Extended benefits, insurance fee is $111.12, billed with your tuition each semester that you are enrolled at Humber College. Please contact IGNITE at [email protected] if you have any questions about Extended Health and Dental coverage.

Please note that all fees related to the health insurance are subject to change.

If you are an international exchange student at Humber College, please email [email protected] to verify your health insurance coverage and information.

Yes, you can access the recorded video .

Some health providers will ask students to provide a 'Verification of Benefits (VOB) Letter'. In those cases, you must reach out to Morcare directly.

You can contact our insurer Morcare through the following methods: (Live chat is recommended)

• Live Chat: Link through the bottom left of: Humber College (International Students) - Morcare
• Phone: 1-888-985-1552
• Email: [email protected]

The representatives will verify their identity, take the VOB request and contact the student by email. In this email, they will ask certain questions and then set up an appointment based on the clinic's availability. The Morcare team will issue a benefit verification letter and send it to the student. Please note that it is not immediate and may take 24-48 business hours to contact you.

To learn about Morcare health insurance plan coverage, limits, and exceptions, please review the 2023 – 2024 International Student Insurance Booklet .

For a summary of your benefits, please visit the morcare website

• Review the tabs on the left-hand side of the screen

Important: Please note that Morcare does not cover pre-existing conditions including pregnancies with counted time prior to the start of the health insurance policy .

International OHIP Alternative: This covers services such as hospitals, walk-in clinics, emergency room visits and medical services. This insurance is bought per academic year and is managed by Humber’s International Centre.

IGNITE Extended Health and Dental: This covers prescription medications, dental, vision, extended health, etc. This insurance is bought by semester. Please contact IGNITE (Humber's student government) for more information about this portion of the coverage: [email protected]

The International OHIP alternative health insurance coverage starts on the first day of the month in which you are starting classes and ends on August 31st every year. Please keep in mind that you will not receive a new policy every semester.

If your program ends after August 31st, you will receive a new policy in September if you register for the following Fall semester.

For example, if you are beginning your program in the Fall 2024 semester, your International OHIP Alternative coverage: Begins September 1, 2024 Coverage ends August 31, 2025

A new health card will be issued after the 10th day of classes start in September 2025 if you register for classes in the Fall 2025 semester.

English for Academic Purposes (EAP) students are covered by level (eg. 2 months at a time). Please contact the International Centre to verify your Health Insurance start and end dates.

*First-semester students might be eligible for early arrival coverage, please review FAQ #12.

You will receive an email from the International Centre after the 10th day of classes after the start of your first semester with the details and instructions on how to download your health insurance card.

Even though you receive your health card after the start of your classes, you are covered from the first day. Please note that if you need medical attention before your card is available, expenses will need to be paid upfront by you, and then you can apply for a refund once you are able to download your card. We recommend students keep all receipts and invoices for claim purposes.

Registered Humber College students can visit any doctor or medical services provider in Ontario. However, not all providers will have direct billing with Morcare, in these cases, you will need to pay up-front and submit a claim. To avoid up-front payments, we encourage you to check the list of providers on the Morcare website:

Visit the morcare website

• Review the tabs on the right-hand side of the screen and click on ‘Your Space’ tab

Scroll down and you can see a map with different health providers.

Please also note that we have on-campus doctors and nurses: Health Counselling

Before visiting a medical services provider not listed on the Morcare website, we encourage students to call Morcare to verify that expenses can be claimed.

Best Overall Travel Insurance

Best travel insurance runner-up, best travel insurance for cruises, best travel insurance for reputation, best travel insurance for pre-existing conditions, best travel insurance for digital nomads, best travel insurance for affordability, best travel insurance for road trips, best for adventure traveling, get travel insurance quotes, how we reviewed the best travel insurance companies, ultimate guide to choosing the best travel insurance.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate travel insurance products to write unbiased product reviews.

Traveling is an adventure, a leap into the unknown, a story waiting to unfold. But every story needs a safety net, and that's where travel insurance comes in. In this guide to the best travel insurance, we'll embark on a journey to help you better understand travel insurance and uncover the benefits that make it an indispensable companion for any traveler.

Best Travel Insurance Companies of 2024

• Best Overall: Nationwide Travel Insurance
• Runner-Up: AXA Assistance USA
• Best for Cruises: Travel Guard
• Best Reputation:  C&F Travel Insured
• Best for Pre-existing Conditions:   Tin Leg Travel Insurance
• Best for Digital Nomads:   WorldTrips Travel Insurance
• Best Low-Cost Option:   Trawick International Travel Insurance
• Best for Road Trips: Travelex Travel Insurance
• Best for Adventure Sports :  World Nomads Travel Insurance

Best Travel Insurance Companies

The best travel insurance companies offer comprehensive coverage options for a wide range of people and needs. For this guide, we looked at coverage options, customizability, and the best companies for specific situations, such as pre-existing conditions.

Here are Business Insider's picks for the best travel insurance companies in 2024. 

Nationwide Travel Insurance

Nationwide is of the largest players in the travel insurance space, offering nearly endless options for any customer on the travel spectrum, including annual travel insurance plans which can offer frequent travelers the flexibility to "set it and forget it" on their travel insurance coverage.

Nationwide Essential also offers some of the most affordable policies in the market compared to similar plans from competitors, which makes it a great pick for just about anyone. Buyers can discuss bundling options as Nationwide also sells homeowners, auto, pet, and other insurance products. Its travel insurance quoting is just as easy as it has been with other Nationwide insurance products.

Read our Nationwide travel insurance review .

AXA Assistance USA

AXA offers consumers a great option for no-stress travel insurance: low-priced plans, generous coverage limits on key categories including primary insurance on lost luggage, and up to 150% reimbursement for qualifying trip cancellations.

While add-ons are limited and rental car coverage is not included by default on cheaper plans, AXA is a perfect fit for travelers who don't plan to drive (or who already hold a travel credit card with rental car coverage), and don't need any additional bells and whistles.

Read our AXA Assistance USA travel insurance review .

Travel Guard

AIG is well-known insurance provider, and a great fit for travelers who want to ensure that they can get their money back in the event of canceled or interrupted travel plans.

While the company's policies can be pricey compared to its competitors, the high medical and evacuation limits make AIG a solid choice for older travelers who value peace of mind and simplicity over highly customizable plans that may be bolstered with medical upgrades.

Read our AIG Travel Guard travel insurance review .

C&F Travel Insured

While every travel insurance company has negative reviews about its claims process, C&F Travel Insured 's claims process has a consistent stream of positive reviews. One customer wrote that C&F processed a claim within 48 hours. Additionally, C&F regularly responds to customer reviews within one business week, making reviews a consistent way to reach the company.

Additionally, in C&F's fine print, it mentions that any claims that take more than 30 days to pay out will begin to accrue interest at 9% APY.

C&F's reputation isn't the only thing to speak highly of. It offers an array of add-ons uncommon in the travel insurance industry, such as Interruption for Any Reason insurance and CFAR coverage for annual plans. C&F also offers discounts for children on its Protector Edge plan and free coverage on its Protector plan.  

Read our C&F Travel Insured review . 

Tin Leg Travel Insurance

Tin Leg is a great fit for travelers with medical issues in particular. Seven of Tin Leg's eight travel plans include coverage for pre-existing conditions as long as you purchase your policy within 15 days of your initial trip payment.

Thanks to coverage for pre-existing medical conditions as well as for potential COVID-19 infection while traveling, this company offers some of the best financial investment options for travelers who are or will be exposed to higher health risks and issues.

Read our Tin Leg travel insurance review .

WorldTrips Travel Insurance

WorldTrips has affordable premiums, highly customizable add-ons, and generous coverage for core categories of travel insurance. All this makes it a great option for digital nomads, students studying abroad and backpackers.

However, travelers should keep in mind that plans are not particularly flexible, and coverage amounts are limited unless you plan ahead to pay for the areas and amounts that you need.

Read our WorldTrips travel insurance review .

Trawick International Travel Insurance

Trawick offers low premiums across its five plans, most of which offer coverage for pre-existing conditions. You'll find robust medical travel insurance that can help higher-risk and anxious travelers find peace of mind while on the road. This company also offers high medical evacuation coverage limits, up to $1,000,000.

Read our Trawick travel insurance review .

Travelex Travel Insurance

Travelex offers three plans:

• Travel Basic
• Travel Select
• Travel America

The Travelex America plan is meant for trips limited to the U.S., but it has the highest coverage limits in many areas compared to its other programs. If you're flying somewhere, the lost baggage limits are higher. Its natural strengths shine for road trippers, though. Travelex America adds coverage for roadside service and rental car coverage for unexpected accidents. It also covers pets should you be involved in an accident while on the road.

While your standard auto insurance does extend to car rentals within the U.S. for a limited time, any accident would affect future rates. Travelex would eliminate the risk of reporting to your auto insurance provider for minor incidents within its purview.

Read our Travelex Travel Insurance review .

World Nomads Travel Insurance

World Nomads distinguishes itself from others by covering over 300 sports and activities, from skydiving to golf. Additionally, its one of the few travel insurance companies that allow you to purchase after departing for your destination. However, you'll have a 72-hour waiting period before coverage kicks in.

That said, World Nomads doesn't have the highest coverage limits compared to its competitors on this list, travel medical insurance capping out at $100,000. It also isn't the most flexible provider, only providing two plans to choose from with no options for pre-existing condition coverage. Yet, World Nomads still stands out for its sports coverage and post-departure coverage.

Read our World Nomads travel insurance review .

Introduction to Travel Insurance

Why travel insurance is a must-have.

The unpredictable nature of traveling – from flight cancellations to medical emergencies – can turn your dream vacation into a nightmare. Travel insurance acts as a personal safeguard, ensuring that unexpected events don't drain your wallet or ruin your trip.

Understanding Different Types of Travel Insurance

Not all travel insurance policies are created equal. From single-trip travel insurance policies to annual travel insurance plans , from minimal coverage to comprehensive protection, understanding the spectrum of options is your first step in finding the right fit for your journey.

Key Features to Look for in Travel Insurance Coverage

Travel insurance for medical emergencies.

Imagine falling ill in a foreign country; daunting, right? A robust travel insurance plan ensures you don't have to worry about how much emergency medical care while traveling will cost, even in the most remote corners of the globe. This coverage will often come in tandem with emergency medical evacuation coverage.

Trip Cancellation and Interruption Benefits

Life is full of surprises, some less pleasant than others. Trip cancellation and interruption coverage ensures that you're not left out of pocket if unforeseen circumstances force you to cancel or cut your trip short. You may also look for cancel for any reason and interruption for any reason options, which will reimburse you for a percentage of your nonrefundable fees, but expands the covered reasons you can cancel a trip. You can find our guide on the best CFAR travel insurance companies here.

Coverage for Personal Belongings and Baggage Loss

Losing your belongings is more than an inconvenience; it's losing a piece of your world. Insurance that covers personal belongings and baggage loss ensures that you're compensated for your loss, helping you to rebound and continue your adventure.

Support and Assistance Services

In times of trouble, having a lifeline can make all the difference. Look for insurance that offers 24/7 support and assistance services, giving you peace of mind that help is just a phone call away. Also, check websites that field customer reviews like Trustpilot, the Better Business Bureau, and InsureMyTrip , to see how well a company responds to customer requests.

Choosing the Best Travel Insurance

Reputation and reliability of the travel insurance provider.

A provider's reputation is not just about being well-known; it's about reliability, customer satisfaction, and the ability to deliver on promises. Researching and choosing a reputable provider is a cornerstone in ensuring your safety and satisfaction.

Understanding the Policy's Fine Print

The devil is in the details, and understanding the fine print of what your travel insurance policy covers is crucial. Be aware of coverage limits, exclusions, and the process for filing a claim to avoid any unpleasant surprises.

For example, to get coverage for a canceled trip due to work, many travel insurance companies require that you've been with that company for at least a year. 

Customer Reviews and Feedback

In the age of information, customer reviews and feedback are goldmines of insight. Learn from the experiences of others to gauge the reliability and customer service of the insurance provider you're considering. While the ratings are important, you should also look at whether or not a company responds to customer complaints.

How to Get the Most Out of Your Travel Insurance

Knowing your policy inside out.

Familiarize yourself with every aspect of your policy — what it covers, what it doesn't, how to file a claim, and who to contact in an emergency. Being informed means being prepared. At the very least, you should have the terms readily available while you're on your trip.

Steps to Take When a Problem Arises

If you face an issue during your travels, knowing the immediate steps to take can make all the difference. Your insurance company may even have a 24/7 assistance hotline that can walk you through an emergency during your trip, even issues that don't involve claims. 

When a problem arises. you'll want to document as much as possible, in case you need proof when filing a claim. Ask for receipts and invoices when possible.

How to Pick the Best Travel Insurance Company for You

There isn't a one-size-fits-all policy that works perfectly for every traveler. Young, healthy solo travelers can opt for much cheaper plans that offer bare-bones coverage, while families juggling complex itineraries will do best by investing in a robust policy that can help defray any costs associated with lost baggage, delayed transportation or other trip-impeding obstacles.

That being said, you can't go wrong with a travel insurance provider that boasts a reputable history and offers a wide range of customizable plans. In some cases, you may be comparing plans that are only a few dollars' apart from each other. In such situations, you should generally opt for the insurance company that offers the strongest customer service. It's also worth considering whether or not the travel insurance provider has been reviewed by other travelers with similar itineraries to your own. 

An insurance aggregator like InsureMyTrip or Squaremouth is one of the best tools for searching travel insurance policies. Once you input the specifics of your travel itinerary, you'll be able to see hundreds of search results to compare the ones that catch your eye. If the options are too overwhelming, use the filters to the left of your search page to eliminate as many irrelevant plans as possible.

To come up with our list of the best travel insurance companies, Business Insider evaluated each insurer based on the following factors:

Guide Methodology: What We Considered

Policy Types

Travel insurance is essential, but often underused partly because people aren't getting what they want. Business Insider's 2023 travel study showed 10.65% of travelers surveyed bought cancel for any reason insurance. Cost may be a factor, but in many cases, the coverage is more affordable than you might think. Regardless, companies must offer a diverse range of coverage options. We award five stars to companies offering all standard coverages and additional options like pet and sports equipment protection.

Our 2023 travel study indicated the majority of purchases were made through the travel provider (ex: flight protection insurance when you're purchasing your airline tickets). While these may be sufficient for some customers, we look for companies offering a more comprehensive range of services.

According to the U.S. Travel Insurance Association, the average cost of travel insurance will be between 4% and 8% of total travel expenses. Anything beyond that price point should include additional benefits beyond the standard inclusions, such as CFAR protection or upgraded medical coverage. Anything below that 4% threshold may leave you lacking important or sufficient coverage in an emergency.

Convenience and Flexibility

Whether you're an infrequent traveler or a suitcase warrior, a good travel insurance company should have you covered. In many cases, you might not even have to talk to a person in order to purchase your policy.

Many people think of travel insurance in context with specific trips, but most of these top contenders sell both single-trip and multi-trip policies, also known as annual travel insurance. Some companies also offer plans specifically designed for cruisers, students abroad, and business travelers. (Read our guide to the best cruise travel insurance companies for more details.) Finally, all of these providers offer multiple options for getting the specific areas and amounts of coverage that you want.

Claims Handling

Most travelers never have a large claim. Premiums are low, and it provides peace of mind for the just in case situations. So they leave reviews based on their reduced stress levels. But what happens if you lose your luggage or have to stay a few extra days due to an unexpected accident? Will your insurance carrier cover your claim without all the hassle? We check real customer reviews to sort this out for you.

Ease of Use and Support

When purchasing, during your trip, and throughout the claims process, you may need extra support. Does the company have a 24/7 help line? Does it have an online or mobile system allowing you to self-manage? Essentially, what are the options when you need help? We look at the big picture to evaluate the average customer experience with each company.

You can read more about how Business Insider rates travel insurance  for even more details.

Best Travel Insurance FAQs

There isn't one best travel insurance company; there are many great providers on the travel insurance market today. Our overall winner was Nationwide for its breadth of coverage options. AIG Travel Guard, AXA, Berkshire Hathaway, Tin Leg, WorldTrips and Trawick also made the cut. The best pick for you will depend on what features you value the most, like a low premium or high coverage limits.

While coverage varies by policy, common exclusions often include pre-existing medical conditions (unless you have purchased a waiver), accidents caused by high-risk activities if not specifically covered (e.g., skydiving, scuba diving), travel for medical procedures, and events known before purchasing the policy (e.g., traveling during a pandemic). Always read your policy carefully to understand the exclusions.

The average cost of travel insurance is 4% to 8% of your total trip cost, so it could vary widely depending on where you're traveling and the length of your trip. Your age, the number of people in your group, and other factors can also influence how much you'll pay.

Yes, travel insurance typically offers some coverage of canceled flights, but if this benefit is important to you, make sure you read the fine print of your policy to make sure it offers adequate reimbursement. If you think you may need to cancel your travel plans, you should consider purchasing cancel for any reason (CFAR) travel insurance .

The right amount of travel insurance depends on your trip, but $100,000 should be sufficient for most travel plans. You may want more coverage for travel medical insurance and emergency medical evacuation coverage.

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5 Best Travel Credit Cards, According to Finance Experts

If you’re someone who travels a lot , whether for business or pleasure, you may be wondering if it’s worthwhile to look into the best travel credit cards. The finance experts we spoke to agree that the right card can help with cashing in on rewards. And when it comes to choosing, it boils down to the annual fee amounts, any airline benefits, and the best options for international travel (if that’s a priority for you). Other travel perks can include elite airport lounge access, free hotel nights, and no foreign transaction fees, benefits that are sometimes even offered on cards with no annual fees. Below, experts break down what to look for in a travel card, as well as the top five picks to consider.

Your travel credit card questions, answered

What are travel credit cards, should you get a travel credit card, what to look for in a travel credit card, is a high annual fee a red flag, 1. best travel credit card for beginners: chase sapphire preferred card.

• APR: 21.49% to 28.49%
• What it offers back: Points can be transferred to airline and hotel partners or redeemed directly for travel at a rate of 1.25 cents per point through Chase Travel
• Annual fee: $95
• Rewards rate: 5 points per dollar on travel booked through Chase Travel and Lyft purchases; 3 points per dollar on dining, select streaming services, and online grocery store purchases (not including Target, Walmart, and wholesale clubs); 2 points per dollar on all other travel purchases; 1 point per dollar on everything else
• Intro offer: 75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
• What to note: Lower annual fee, high welcome offer, no foreign transaction fees
• Credit score needed: Not specified

The Chase Sapphire Preferred Card is ideal for beginners for various reasons. For starters, its $95 fee is on the low end compared with other travel cards. Perks include travel protection benefits (including trip-cancellation insurance, primary car rental insurance, and lost-luggage insurance), and annual hotel credit (through Chase Travel).

This card also has a welcome offer of 75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. For rewards, users get 5 points per dollar on travel booked through Chase Travel and Lyft purchases; 3 points per dollar on dining, select streaming services, and online grocery store purchases (not including Target, Walmart, and wholesale clubs); 2 points per dollar on all other travel purchases; and 1 point per dollar on everything else. Points can be transferred to airline and hotel partners or redeemed directly for travel at a rate of 1.25 cents per point through Chase Travel.

2. Best Credit Card for Domestic Travel: Southwest Airlines Rapid Rewards Plus Credit Card

• What it offers back: Earn 2 points per $1 spent on Southwest purchases, Rapid Rewards hotel and car rental partner purchases, local transit and commuting (including rideshare), and internet, cable, and phone services; select streaming; 1 point per $1 spent on everyday purchases, and 25% back on inflight purchases (i.e. Wi-Fi and alcoholic beverages)
• Annual fee: $69
• Rewards rate: 1 to 2 points per dollar
• Intro offer : 50,000 points after you spend $1,000 on purchases in the first three months from account opening
• What to note : Low annual fee, generous welcome and anniversary offer, no foreign transaction fees
• Credit score needed : Not specified

This travel credit card is my card of choice, and I've held it for 10 years now. Given the ability to quickly accumulate points and a generous anniversary bonus, the card’s low annual fee has paid for itself and then some every year, since I often manage to rack up enough points for a handful of one-way flights (or at least a couple of round-trip ones). Southwest also flies to several international destinations in Central America and the Caribbean—in fact, my husband and I booked our honeymoon in Belize in 2017 entirely with points. This card also has no transaction fees, and other perks include 25% back on in-flight purchases (such as Wi-Fi and alcoholic beverages, which are $8 each) and two early bird check-ins per year.

3. Best Credit Card for International Travel: Bank of America Travel Rewards Credit Card

• APR: 0% intro APR for the first 15 statement closing dates following the opening of your account; after that, 19.24% to 29.24%
• What it offers back: 3% cash back on gas and EV charging stations, online shopping,​ cable, ​streaming, Internet, ​phone plan, dining, travel, drug store or ​pharmacy, and home improvement or ​furnishings purchases; 2% cash back at grocery stores and wholesale clubs; 1% cash back on all other purchases; as well as 3% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter
• Annual fee: None
• Rewards rate: 1.5 points for every $1 spent on all purchases, everywhere, every time
• Intro offer: 25,000 online bonus points, a $250 travel or dining statement credit value, after making at least $1,000 in purchases in the first 90 days of account opening
• What to note: No annual fee, 0% intro APR, no foreign transaction fees

Bank of America’s Travel Rewards credit card is another great choice for frequent travelers, as it comes with no annual fee or foreign transaction fees, which is ideal if you intend to spend a lot of time abroad. A huge added bonus is a 0% introductory APR that applies to the first 15 statement closing dates. Additional perks include 25,000 online bonus points and a $250 travel or dining statement credit value after making at least $1,000 in purchases in the first 90 days.

Card holders can also earn unlimited points, with 1.5 points for every $1 spent on all purchases; points also don’t expire. Finally, this card doesn’t have any blackout dates, which means you can use it on any hotel or airline, at any time.

4. Best Travel Card With Lounge Access: Capital One Venture X Rewards Credit Card

• APR: 19.99%, 26.24% or 29.99%, depending on your credit score
• What it offers back: 10,000-mile anniversary bonus, $300 annual travel credit, $100 Global Entry or TSA PreCheck credit
• Annual fee: $395
• Rewards rate: 10 miles per dollar on hotels and rental cars; 5 miles per dollar on flights and vacation rentals booked through Capital One Travel using this Rewards card account; 2 miles per dollar on all other purchases
• Intro offer: 75,000 bonus miles if you spend at least $4,000 within three months of your enrollment date
• What to note: One drawback is the high annual fee, but perks include a higher rewards rate on travel-related purchases
• Credit score needed: Excellent (800 to 850)

If you like to travel in style, one of this card’s top perks is unlimited complimentary access for you and two guests at more than 1,300 airport and travel lounges. That’s huge if you don’t like the buzzkill that comes with not being able to share the finer things with your travel companions.

It’s worth noting that this card comes with a higher annual fee than most others, and you need excellent credit to qualify. But the rewards it comes with (specifically, that annual miles bonus and travel credit) will quickly make that fee pay for itself. The benefits quickly outweigh the fee as well, and include 75,000 bonus miles when you spend $4,000 on purchases in the first three months, equal to $750 in travel.

The rewards rate structure includes 10 miles for every dollar spent on hotels and rental cars that were booked through Capital One Travel, 5 miles for every dollar spent on flights booked through Capital One Travel, and 2 miles per dollar on all other purchases.

5. Best for Everyday Rewards: American Express Gold Card

• APR: 21.24% to 29.24%
• What it offers back: $120 dining credit, $120 Uber Cash, $100 travel experience credit when booking through The Hotel Collection
• Annual fee: $250
• Rewards rate: 4 points per dollar at restaurants or groceries, 3 points per dollar on flights, 1 point per dollar on all other purchases
• Intro offer: 60,000 points after you spend $6,000 in eligible purchases within the first six months of card membership
• What to note: While this card does have a higher annual fee than most, it offers a generous rewards structure and welcome bonus, as well as no foreign transaction fees

This card is great for racking up dining and grocery rewards, which are things everyone uses on a regular basis, especially if your travel volume is on the lower end. So if you’re a foodie, you’ll love the incentive to dine out more often than usual.

While it does have a hefty $250 annual fee, this card also comes with an introductory offer of 60,000 membership points after spending $6,000 in the first six months of card membership. Its points-earning ability includes 4 points for each dollar spent on dining at restaurants and US supermarkets (up to the first $25,000 in purchases per calendar year; then 1 point per dollar) and 3 points for every dollar spent on flights booked directly with an airline or with Amex Travel.

Other perks include a statement credit of up to $120 annual for dining, up to $120 in annual Uber Cash, and up to $100 in hotel credits, all of which would prove beneficial when using the card while traveling.

There are two main types of travel credit cards: cobranded hotel and airline cards and transferable-points bank cards. With both these cards, you’ll typically get a large sign-up bonus in the form of rewards points and perks that will offset several years’ worth of the annual fee.

Transferable-points cards allow you to earn rewards points on everyday purchases like dining and groceries, which ultimately go to your stockpile of points to eventually put toward travel.

According to Torres, key features of travel cards include sign-up bonuses for quick rewards; the ability to earning points across spending categories, including travel and everyday expenses; and flexible redemption options. When comparing cards, you should consider perks like airport lounge access, travel insurance, and statement credits for TSA PreCheck or Global Entry.

“If you can make the most of the rewards and perks offered by the card, it can be a savvy financial move, regardless of your travel frequency,” says Jannese Torres, host of the Yo Quiero Dinero podcast and author of Financially Lit!: The Modern Latina’s Guide to Level Up Your Dinero & Become Financially Poderosa . “Ultimately, it's about aligning the card’s features with your lifestyle and financial goals to make the most of your spending, whether you’re a frequent flyer or an occasional traveler.”

Even if your total annual travel is on the lower end, you might think about snagging a travel credit card if you find yourself booking airfare and hotel stays a few times a year, says personal finance expert Nicole Lapin , who also hosts Money Rehab podcast.

“These cards can be great for earning rewards faster on travel spending, and even if you’re not jet-setting often, using one for daily expenses to collect points or miles for an occasional lavish getaway can still be a smart move,” she says. “It’s like putting away a little extra for a future vacation every time you shop.”

Generally speaking, as with any credit card, it also makes sense to consider a travel credit card if your finances are in good standing and it would benefit your travel plans . Experts universally agree that everyone should have some type of rewards credit card, assuming they have an appropriate credit score and can pay the card off in full every month. The decision to get a travel credit card hinges on various factors, including how much you spend, the card’s rewards structure, and whether the benefits outweigh any associated fees, Torres says.

According to Lapin, you should look for a travel credit card that offers a solid rewards rate on your spending.

Sign up bonus: Look for a juicy sign-up bonus and perks that suit your travel style, she says. “Key features might include things like no foreign transaction fees, comprehensive travel insurance, and freebies like airport-lounge access or credits for Global Entry and TSA PreCheck. But be cautious of cards with unreasonable minimum-spending requirements to earn sign-up bonuses, Torres says. “Make sure you can comfortably meet the spending threshold without overspending or accruing unnecessary debt,” she says.

Rewards program: In that same vein, though, consider a rewards program with perks you will actually use—if you regularly fly in and out of an airport that doesn’t have a lounge, then a premium card with lounge access probably shouldn’t be a priority. “Other red flags include restrictive redemption options that tie you to one airline or hotel chain, unless you’re totally okay with that limitation,” Lapin says.

However, you’ll also want to avoid cards with limited redemption options or complex rewards structures that could make it challenging to maximize your rewards, and steer clear of cards with high foreign transaction fees, especially if you frequently travel internationally, Torres says: “These fees can quickly diminish the value of your rewards when using the card abroad.”

Annual fees: While many travel cards will come with an annual fee, they also typically come with a sign-up bonus worth far more than that fee, making it easily pay for itself. It’s also key to zero in on your own travel habits, so if you’re flying a specific airline multiple times a year, it can make sense to get a branded card for that airline.

Airline perks: Some airline credit cards also offer free checked bags as a benefit for holding the card, which can be a huge advantage to those who typically check bags, as this can save you around $40 per bag, per leg of your trip.

Ultimately, “balance annual fees with benefits, prioritize cards with no foreign transaction fees for international travel, and explore additional perks like concierge services,” Torres says.

At first glance, a high annual fee can send people running from signing up for a travel credit card. Experts often see them as green flags instead of red one, however, assuming you get the value out of them in points and perks. Even a no-annual-fee travel card that has no foreign transaction fees can be worthwhile for a single trip abroad, considering that foreign transaction fees can otherwise add 2% to 3% to the price of every international purchase.

“In certain cases, a high annual fee on a travel credit card can be justified by the valuable perks and benefits it offers,” Torres says. “For frequent travelers who prioritize convenience and luxury, these cards often provide access to airport lounges, elite status with airlines and hotels, and comprehensive travel insurance coverage, enhancing the overall travel experience. “

Additionally, cards with high annual fees may offer generous rewards rates, lucrative sign-up bonuses, and flexible redemption options, allowing cardholders to accumulate points or miles quickly and redeem them for premium travel rewards, Torres says.

Cards with annual fees also tend to have other big benefits, such as travel insurance, as well as some niche benefits on certain cards, for example, statement credits at Saks Fifth Avenue, Uber, or Equinox.

“Just remember to align the card with your actual travel habits and financial goals, and calculate whether you’ll use enough perks to offset any fees,” Lapin says. “Choosing the right travel credit card can really help make your travels more enjoyable and a bit more economical.”

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International student travel insurance premiums cheaper in India: Future-proof your overseas studies

I ndian students going abroad for higher education should opt for an international student travel insurance for comprehensive protection. It provides coverage for unexpected situations, such as study interruptions, sponsor protection and is issued for a longer time period, unlike traditional travel policies that are issued for up to 180 days. They should purchase the policy from India as it is much more affordable than buying it abroad.

A student travel insurance plan is designed for those between 16-40 years, enrolled in full-time courses at an accredited college or university and who have valid passports. It offers coverage for one to two years, with the option for renewal. This renewal option aligns perfectly with the extended timelines of academic programmes and offers a continuous safety net throughout a student’s course tenure.

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Wider coverage

A student travel insurance policy is designed to safeguard students from unexpected expenses that may arise during their educational journey overseas such as baggage loss, flight delays, medical costs, passport/laptop theft, and legal fees. Such a policy also covers mental health issues and maternity which are not covered by the regular travel insurance. International student travel insurance can be extended or renewed to accommodate changes in the student’s academic plans. The policy is renewable up to five years while a travel policy can be renewed up to one year only.

Beyond the tangible benefits of student travel insurance like safeguarding policyholder’s health and possessions, it also offers compassionate visit provisions, which cover emergency travel expenses for family members to the student’s host country or the student visiting their family, says Rakesh Goyal, director, Probus Insurance Broker. Additionally, such insurance plans offer round-the-clock assistance services, including help with language barriers, locating healthcare providers, and legal support. “Regular travel insurance may not offer these specific benefits. Students should opt for international student travel insurance for comprehensive coverage tailored to their unique needs while studying abroad,” he says.

Sponsor protection is an invaluable feature, particularly for those who rely on financial support from sponsors back in India. Manas Kapoor, business head, Travel Insurance, Policybazaar.com, says in the event of an unforeseen crisis, these policies can ensure that the sponsors’ financial contributions to the student’s education are safeguarded, reducing the stress on both policyholder and their sponsors. “Some student travel insurance policies even provide the option for a refund of tuition fees, covering interruptions in policyholder’s studies due to unforeseen events,” he says.

Premium and coverage

The premium depends on factors such as the country of travel (USA/Canada vs rest of world), duration of coverage, the level of coverage, the student’s age and any additional benefits or riders chosen. Students should buy the policy from India as it is less than one-third of the price they would have to pay abroad. The sum insured ranges between $50,000 to $1 million and students should choose an appropriate sum insured that will give them adequate protection during the entire duration of the stay.

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While cost is a major factor in this insurance, it is always advisable to get the best coverage possible. Sharad Bajaj, COO, InsuranceDekho, says the ideal sum insured depends on factors such as the cost of healthcare in the destination country, the student’s medical history, and the level of coverage desired. “It is advisable to opt for a sum insured that adequately covers potential medical expenses, including emergency medical evacuation and repatriation, without being excessive.”

Before buying a student travel insurance policy, the student must check with the university enrolled if they have any specific insurance mandates. For instance, some universities abroad would require medical and accidental cover and some might require cover for drug abuse, mental rehabilitation, cancer screening, etc. In case a student has a pre-existing disease, he should give high preference to pre-existing coverages and their conditions, limitations, or exclusions applicable.

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Where Kamala Harris Stands on the Issues: Abortion, Immigration and More

She wants to protect the right to abortion nationally. Here’s what else to know about her positions.

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By Maggie Astor

• Published July 21, 2024 Updated Aug. 24, 2024

With Vice President Kamala Harris having replaced President Biden on the Democratic ticket, her stances on key issues will be scrutinized by both parties and the nation’s voters.

She has a long record in politics: as district attorney of San Francisco, as attorney general of California, as a senator, as a presidential candidate and as vice president.

Here is an overview of where she stands.

Ms. Harris supports legislation that would protect the right to abortion nationally, as Roe v. Wade did before it was overturned in 2022, in Dobbs v. Jackson Women’s Health Organization.

After the Dobbs ruling, she became central to the Biden campaign’s efforts to keep the spotlight on abortion, given that Mr. Biden — with his personal discomfort with abortion and his support for restrictions earlier in his career — was a flawed messenger. In March, she made what was believed to be the first official visit to an abortion clinic by a president or vice president.

She consistently supported abortion rights during her time in the Senate, including cosponsoring legislation that would have banned common state-level restrictions, like requiring doctors to perform specific tests or have hospital admitting privileges in order to provide abortions.

As a presidential candidate in 2019, she argued that states with a history of restricting abortion rights in violation of Roe should be subject to what is known as pre-clearance for new abortion laws — those laws would have to be federally approved before they could take effect. That proposal is not viable now that the Supreme Court has overturned Roe.

Climate change

Ms. Harris has supported the Biden administration’s climate efforts , including legislation that provided hundreds of billions of dollars in tax credits and rebates for renewable energy and electric vehicles.

“It is clear the clock is not just ticking, it is banging,” she said in a speech last year , referring to increasingly severe and frequent disasters spurred by climate change. “And that is why, one year ago, President Biden and I made the largest climate investment in America’s history.”

During her 2020 presidential campaign, she emphasized the need for environmental justice , a framework that calls for policies to address the adverse effects that climate change has on poor communities and people of color. She has emphasized that as vice president as well.

In 2019, Ms. Harris, then a senator, and Representative Alexandria Ocasio-Cortez, Democrat of New York, introduced legislation that would have evaluated environmental rules and laws by how they affected low-income communities. It would have also established an independent Office of Climate and Environmental Justice Accountability and created a “senior adviser on climate justice” within several federal agencies. In 2020, Ms. Harris introduced a more sweeping version of the bill. None of the legislation was passed.

Ms. Harris was tasked with leading the Biden administration’s efforts to secure voting rights legislation, a job she asked for . The legislation — which went through several iterations but was ultimately blocked in the Senate — would have countered voting restrictions in Republican-led states, limited gerrymandering and regulated campaign finance more strictly.

This year, she met with voting rights advocates and described a strategy that included creating a task force on threats to election workers and challenging state voting restrictions in court.

She has condemned former President Donald J. Trump’s efforts to overturn the 2020 election results. In a speech in 2022 marking the anniversary of the Jan. 6, 2021, attack on the Capitol, she said that day had showed “what our nation would look like if the forces who seek to dismantle our democracy are successful.” She added, “What was at stake then, and now, is the right to have our future decided the way the Constitution prescribes it: by we the people, all the people.”

Economic policy

In campaign events this year, Ms. Harris has promoted the Biden administration’s economic policies, including the infrastructure bill that Mr. Biden signed, funding for small businesses, a provision in the Inflation Reduction Act that capped the cost of insulin for people on Medicare and student debt forgiveness.

She indicated at an event in May that the administration’s policies to combat climate change would also bring economic benefits by creating jobs in the renewable energy industry. At another event , she promoted more than $100 million in Energy Department grants for auto parts manufacturers to pivot to electric vehicles, which she said would “help to keep our auto supply chains here in America.”

As a senator, she introduced legislation that would have provided a tax credit of up to $6,000 for middle- and low-income families, a proposal she emphasized during her presidential campaign as a way to address income inequality.

Immigration

One of Ms. Harris’s mandates as vice president has been to address the root causes of migration from Latin America, like poverty and violence in migrants’ home countries. Last year, she announced $950 million in pledges from private companies to support Central American communities. Similar commitments made previously totaled about $3 billion.

In 2021, she visited the U.S.-Mexico border and said : “This issue cannot be reduced to a political issue. We’re talking about children, we’re talking about families, we are talking about suffering.”

More recently, she backed a bipartisan border security deal that Mr. Biden endorsed but Mr. Trump, by urging Republican lawmakers to kill it , effectively torpedoed. The legislation would have closed the border if crossings reached a set threshold, and it would have funded thousands of new border security agents and asylum officers. “We are very clear, and I think most Americans are clear, that we have a broken immigration system and we need to fix it,” Ms. Harris said in March .

Israel and Gaza

Ms. Harris called in March for an “immediate cease-fire” in Gaza and described the situation there as a “humanitarian catastrophe.” She said that “the threat Hamas poses to the people of Israel must be eliminated” but also that “too many innocent Palestinians have been killed.”

In an interview later that month , she emphasized her opposition to an Israeli invasion of Rafah, the city in southern Gaza to which more than a million people had fled. “I have studied the maps,” she said. “There’s nowhere for those folks to go, and we’re looking at about 1.5 million people in Rafah who are there because they were told to go there, most of them.”

She has said on multiple occasions that she supports a two-state solution.

Racial justice

Racial justice was a theme of Ms. Harris’s presidential campaign. In a memorable debate exchange in 2019 , she denounced Mr. Biden’s past work with segregationist senators and opposition to school busing mandates.

She has called for ending mandatory minimum sentences, cash bail and the death penalty, which disproportionately affect people of color.

Amid the protests that followed the police killing of George Floyd in 2020, she was one of the senators who introduced the Justice in Policing Act, which would have made it easier to prosecute police officers, created a national registry of police misconduct and required officers to complete training on racial profiling. It was not passed.

Her record as a prosecutor also came into play during her presidential campaign. Critics noted that as attorney general of California, she had generally avoided stepping in to investigate police killings.

Maggie Astor covers politics for The New York Times, focusing on breaking news, policies, campaigns and how underrepresented or marginalized groups are affected by political systems. More about Maggie Astor

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• International Student Medical Insurance

Okay, Hear Us Out... International Student Insurance

It's finally time.

After over two years of remote, hybrid, or in-person learning in their home country, many students are very ready to get out there and travel abroad for school.

Where will your study abroad trip take you this year? The United Kingdom? Australia? China? Not to be overly dramatic, but anyone who's done it before knows that studying abroad can truly change your life. The immersion into a new country and culture and the lifelong friendships are just the tip of the iceberg.

And while you're having the time of your life studying and exploring, it's smart to be aware of what could go wrong and how you can prepare. Purchasing international student health insurance can be an important but easily overlooked step in your travel preparations.

We're There for the Unexpected

What kind of "unexpected" are we talking about? We're referring to an unexpected illness, a broken ankle, or a new medical diagnosis that requires treatment and medicine abroad. With WorldTrips' international student insurance, we can be the helping hand you need when trying to manage a medical emergency in an unfamiliar healthcare system.

With many programs, schools, and visas requiring health insurance for international students, a health insurance plan created for students may be just the thing you need to help cover those unexpected expenses. Get a free quote for our WorldTrips StudentSecure ®   plan today. We're ready whenever you are!

Why Do I Need International Student Health Insurance?

There are several reasons to consider an international student insurance plan like StudentSecure for your overseas studies:

• To Meet Visa Requirements:   Most countries require international students to possess a valid student visa. Some visas require proof of insurance that meets specific requirements. StudentSecure meets the insurance requirements of most visas, including the J-1 visa. As a StudentSecure policyholder, you will have access to a visa letter you can use as proof of coverage. You can download your visa letter through the   Member Portal , where you can conveniently manage your policy online.
• To Meet Your Study Abroad Program or School Requirements:   Your program or university may require you to have valid student health insurance that meets requirements. Many programs and schools provide their own insurance plans, but oftentimes allow students to purchase alternate coverage that meets requirements. Upon purchase of a StudentSecure policy, we will help you provide proof of coverage that meets requirements to your program or school. Simply submit a request for a waiver form and/or visa letter to   [email protected] . We will send completed copies of the form(s) to you and your school.
• To Cover Unexpected Medical Expenses:   Your regular health insurance may not provide adequate coverage while you are outside of your home country. International student health insurance like StudentSecure can provide travel assistance and help mitigate unexpected medical costs.

Explore Our International Student Insurance Plans

WorldTrips’ international student medical insurance plans are called StudentSecure. Choose from four StudentSecure plans to get the right coverage at the right price for you. StudentSecure Provides:

• Benefits for unexpected injury and illness
• Recreational sports and activities coverage
• Some mental health coverage
• Travel assistance services

Select a plan to see coverage highlights:

Overall Maximum: $200,000

Maximum Per Injury or Illness: $100,000

Deductible Per Injury or Illness: $0

• Meets J-1 Visa Requirements
• Unexpected Injury and Illness
• Some Mental Health Coverage
• Recreational Sports and Activities
• No Pre-Existing Condition Coverage

Overall Maximum: $500,000

Maximum Per Injury or Illness: $250,000

• Pre-Existing Condition Coverage After 12 Months

Overall Maximum: $1,000,000

Maximum Per Injury or Illness: $500,000

• Pre-Existing Condition Coverage After 6 Months

Overall Maximum: $5,000,000

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WorldTrips is a service company and a member of the Tokio Marine HCC group of companies.

WorldTrips' Atlas Travel Series international travel medical insurance products are underwritten by Lloyd's. WorldTrips has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency, Ltd.

Student Zone | WorldTrips

As an existing client of International Student Insurance, you have access to a wealth of insurance information to help you effectively manage your insurance plan. This Student Zone is designed for WorldTrips customers who have purchased either the Student Secure or Atlas Travel insurance products.

• Inside the US: (800) 605-2282 (toll free)
• Outside the US +1 (317) 262-2132 (collect calls )

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This plan is underwritten by Lloyd's.

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StudentSecure® International Student Health Insurance

Important: StudentSecure® policies include coverage for eligible medical expenses resulting from COVID-19 (SARS-CoV-2) while traveling internationally during your effective coverage period (once the deductible is reached and up to the medical maximum on the policy).

Why do I need

International student health insurance.

Studying abroad for several months or even years at a time presents its own unique set of risks. A StudentSecure plan could reduce your personal expenses if you face an unexpected injury or illness throughout the course of your international studies.

Before studying outside your home country, check "international student health insurance" off your list and give yourself one less thing to worry about.

Meets student visa requirements for F-1 & J-1 visa

Four levels of coverage to choose from

24/7 emergency travel assistance services

Monthly payment option

US Travel Insurance

• StudentSecure Select

StudentSecure Select medical Insurance

Best Price Guaranteed

Quotes for StudentSecure Select insurance

Studentsecure select international student health insurance.

StudentSecure Select Insurance is designed specifically to meet the insurance needs of international students outside their home country. This plan meets J-1 visa requirements, covers pre-existing condition coverage after policy is in effect for 6 months and some intercollegiate, interscholastic, intramural, or club sports coverage.

• Coverage that meets or exceeds most government and visa requirements including J-1 visa requirements.
• Coverage that meets the requirements of many programs and schools at a budget-friendly rate.
• Important medical benefits, including some Outpatient Prescription Drug coverage and some Mental Health coverage.

Key benefits of StudentSecure Select Insurance

Comprehensive plan

Meets student visa requirements for F-1 & J-1 visa

Acute onset of Pre-Existing Conditions

Monthly payment option

Maternity care

Sports Coverage

StudentSecure Select Insurance Reviews

• Certificate period maximum: $600k
• Maximum benefit per injury or illness: $300k

The plan pays 80% of eligible expenses up to $5k, then 100% up to the Maximum Limit.

StudentSecure Select Insurance - Key Highlights

• The Select plan provides a policy maximum of $300k and Certificate period maximum of $600k.
• There will be a deductible of $35 per injury or sickness within the PPO, outside the US or at a student health center. Otherwise $70 deductible per injury or sickness is applicable.
• Plan provides $200 for treatment in an emergency room for claims within the US only.
• Co-insurance with this plan for the claims incurred within the US: Within the PPO, 80% of eligible expenses is covered up to the next $5k after deductible and then 100% of the expense is covered up to the overall maximum limit of the plan. For claims outside the PPO, usual, reasonable and customary charges are covered and the insured is responsible for any charges exceeding the payable amount.
• Co-insurance for claims incurred outside the US : After the deductible, 100% of the eligible expenses are covered up to the Certificate period maximum.
• Mental health disorders(Treatment not received at student health center) is covered as : Outpatient- maximum 30 visits, Inpatient - maximum 30 days.
• Acute onset of pre-existing condition is covered for $25k lifetime maximum for eligible expenses.
• Intensive Care Unit charges are covered up to the overall maximum limit.
• Outpatient prescription drugs are covered for 50% of actual charges (Not subjected to deductible or co-insurance).
• Dental treatment due to accident is covered as $250 maximum per tooth, $500 maximum per Certificate period (Not subjected to co-insurance).
• Sports activities, leisure, recreational,entertainment or fitness is covered upto overall maximum limit.
• Optional Intercollegiate, interscholastic, intramural or club sports rider is covered up to $5k maximum per injury or illness, medical expenses only.
• Emergency Medical Evacuation is covered for up to $300k lifetime maximum (Not subject to deductible or co-insurance).
• Repatriation of remains is covered for up to $50,000 lifetime maximum (Not subject to deductible, co-insurance or overall maximum limit).

StudentSecure Select related links

Studentsecure brochure links.

• StudentSecure Select student Insurance by WorldTrips covers eligible medical expenses for COVID-19.
• Full time students and research scholars registered for universities outside their home country can buy this insurance.
• This plan can be renewed online up to 4 years.
• Full refund if the policy is cancelled before the policy start date. If the policy is after the policy start date after deducting the cancellation charges refund of premium for unused months will be paid.
• It as a monthly payment option.
• Good PPO network.
• Pre-existing medical conditions are covered after a waiting period of 180 days.
• Coinsurance inside the US - Underwriters will pay 80% of the next $5,000 of eligible expenses after deductible, then 100% to certificate period maximum.
• Coinsurance outside the US - After the Deductible, Underwriters will pay 100% of Eligible Expenses to Certificate Period Maximum
• The policy pays for maternity care, routine care for a newborn baby and therapeutic termination of pregnancy.
• This policy covers for AD&D, evacuation, repatriation, emergency reunion, terrorism, intercollegiate or club sports.
• It also covers for mental health disorders, dental cover, physical therapy & chiropractic care.
• After 60 days of risk start date, there is no refund for cancellation of the policy.
• The policy holder has to wait for 6 months for the pre-existing diseases to be covered.
• No coverage for the dependents.
• Failure to get precertification of claims will result in reduction of 50% of eligible medical expenses.
• Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.
• These plans do not have benefit limits based on the type of medical expense.
• Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)

WorldTrips StudentSecure Select Plan Summary

• Individuals up to the age of 65 years.
• Individuals must be 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 must be a Full-time Scholar affiliated with an educational institution and performing work or research for at least 30 hours per week.
• The Full-time Student/Scholar status requirement is waived for Participants within the US holding a valid F-1 visa including those students on OPT or a J-1 visa. Full-time status requirements remain in force for individuals holding M-1, or other category visas
• Must be residing outside his or her Home Country for the purpose of pursuing international educational activities
• Must not have obtained residency status in the Host Country.
• Participants in the U.S. must hold a valid education related Visa. A copy of the I-20 or DS2019 may be requested.
• In ppo network : Plan pays 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum limit.
• Out of ppo network : Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
• After the deductible, plan pays 100% of eligible expenses to the certificate period maximum.

StudentSecure is not available to individuals who are physically located in the states of New York, Maryland, or Washington or in the country of Canada or Australia at time of purchase.

Compare StudentSecure insurance plans by WorldTrips

Plan benefits of studentsecure select insurance.

StudentSecure insurance

"A condition a person has been diagnosed with, is being treated for, or has with reasonable medical certainty before the start of the plan". So a person does not need to know they have the condition for it to be considered pre-existing (a diagnosis is not required).

Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition.

The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:

• The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;
• Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;
• You must be under eighty (80) years of age;
• You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;
• You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;
• You must be traveling outside your home country

WorldTrips Insurance related coverage

Cheapest visitor insurance option.

Budget friendly travel insurance plan for international travelers visiting the US.

Affordable Insurance for international students

Offers coverage for J1 Visa Scholars and F1 visa students at affordable rates.

Travel insurance for multiple overseas trips

Annual Insurance for travelers taking multiple trips of 30 days or 45 days throughout the year.

Atlas Travel Insurance for H4 visa holders

US visitors insurance covers Covid and acute on set pre-existing conditions.

StudentSecure Select insurance - Common Questions

There are several reasons to consider an international student insurance plan like StudentSecure for your overseas studies:

To Meet Visa Requirements: Most countries require international students to possess a valid student visa. Some visas require proof of insurance that meets specific requirements. StudentSecure meets the insurance requirements of most visas, including the J-1 visa. As a StudentSecure policyholder, you will have access to a visa letter you can use as proof of coverage. You can download your visa letter through the Member Portal, where you can conveniently manage your policy online.

To Meet Your Study Abroad Program or School Requirements: Your program or university may require you to have valid student health insurance that meets requirements. Many programs and schools provide their own insurance plans, but oftentimes allow students to purchase alternate coverage that meets requirements. Upon purchase of a StudentSecure policy, we will help you provide proof of coverage that meets requirements to your program or school. Simply submit a request for a waiver form and/or visa letter to [email protected] . We will send completed copies of the form(s) to you and your school.

To Cover Unexpected Medical Expenses: Your regular health insurance may not provide adequate coverage while you are outside of your home country. International student health insurance like StudentSecure can provide travel assistance and help mitigate unexpected medical costs.

Yes, International students can renew StudentSecure Select Insurance online up to 12 months.

StudentSecure Select insurance offers Maternity care for covered pregnancy up to $10k.It also offers Nursery care of new born up to $750.

StudentSecure Select insurance offers up to $5k maximum for medical expenses for treatment of injuries while taking part in Intercollegiate, interscholastic, intramural, or club sports.

Yes, StudentSecure Insurance is available for full time students and will end its coverage once you graduate. You can buy the Atlas travel insurance plan for more coverage.

StudentSecure Select insurance offers comprehensive coverage for international students. After the deductible amount. If the student seeks treatment with the provider network namely “First Health care network or United health care”. When studying outside the United States, you need to visit Equian International Provider Network to find healthcare provider or doctor nearest you outside the US. In the US, after the deductible amount, StudentSecure Select insurance pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum limit while seeking treatment in a provider network.

Outside the provider network, it is Usual, reasonable, and customary charges and the student may be responsible for any charges exceeding the payable amount. StudentSecure Select Insurance offers 100% of eligible expenses to the certificate period maximum after the deductible for claims outside the US. For detailed working example of how it works, you can review StudentSecure Select insurance working example .

StudentSecure Insurance Exclusions

• Note: A pre-existing condition is any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 12 months prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.
• Immunizations and routine medical examinations, except under StudentSecure Elite as provided for under the Vaccination benefit
• Routine prenatal care, pregnancy, childbirth, and postnatal care, unless directly related to a covered pregnancy
• Medical expenses for injury or illness resulting from participation in specifically excluded extreme sports(see Description of Coverage for full list of excluded sports).

StudentSecure Select insurance PPO network

WorldTrips maintains a wide network of health care providers.

Outside US: There is no preferred provider organization (PPO) outside the US. To find doctors and hospitals outside the US.

Resourceful links of StudentSecure insurance plan

Studentsecure student insurance forum.

Questions, answers for WorldTrips StudentSecure insurance plan.

StudentSecure student insurance Blog

Articles on StudentSecure insurance plan coverage.

Compare StudentSecure Insurance Plan

Compare and review StudentSecure insurance plan benefits.

Student Sports

Compare and buy WorldTrips Sports Student Travel Insurance.

Need help? - Willing to buy a student plan?

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WorldTrips travel insurance resourceful links

Ppo network, client zone.

•   Call : (877)-340-7910
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• Student Insurance

WorldTrips - International Student Insurance

Designed to provide key coverage that full-time students may need while studying abroad. Ideal for F-1, J-1 and OPT students. Complete your Student Secure Insurance application form to ensure you have the coverage you need while studying abroad.

Compare and buy WorldTrips Student insurance plans

Email results.

• The Elite plan provides a policy maximum of $500,000 and Certificate period maximum of $5,000,000 with deductible $0.
• Coverage is available on a daily or monthly basis.
• Plan provides $100 for treatment in an emergency room for claims within the US only.
• Mental health disorders(Treatment not received at student health center) is covered as : Outpatient- maximum 40 visits, Inpatient - maximum 40 days.
• Covers Maternity up to $15,000.
• Pre existing Condition are covered after 6 months waiting period.
• Intercollegiate, interscholastic, intramural, or club sports - $5,000 max per injury sickness.
• Covers Student health center copayment up to $10 per visit.
• Acute onset of pre-existing condition is covered for $25,000 lifetime maximum for eligible expenses.
• Select Traveler's Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65
• Maximum Coverage    $500,000
• Deductible Amount     $0
• $37.54 PER MONTH BUY
• The Select plan provides a policy maximum of $500,000 and Certificate period maximum of $1,000,000 with deductible $0.
• Plan provides $200 for treatment in an emergency room for claims within the US only.
• Mental health disorders(Treatment not received at student health center) is covered as : Outpatient- maximum 30 visits, Inpatient - maximum 30 days.
• Covers Maternity up to $10,000.
• The Budget plan provides a policy maximum of $250,000 and Certificate period maximum of $5,00,000 with deductible $0.
• Plan provides $350 for treatment in an emergency room for claims within the US only.
• Covers Maternity up to $5,000.
• Covers Student health center copayment up to $25 per visit.
• Maximum Coverage    $250,000

• The Smart plan provides a policy maximum of $100,000 and Certificate period maximum of $200,000 with deductible $0.
• Mental health disorders(Treatment not received at student health center) is covered as : physician office visit: $500 maximum inpatient - up to $5k maximum.
• Maximum Coverage    $100,000

WorldTrips International student insurance

International student medical insurance is designed to provide key coverage that full-time students may need while studying abroad. WorldTrips’ student medical insurance plans offer:

• Four Plan Levels : Compare plans to ensure you meet your school or visa requirements and budget
• Flexible Payments : Choose monthly payments or pay in full and save.
• Travel Assistance : Get 24/7 multilingual emergency assistance

Key benefits of StudentSecure Insurance

Acute onset of Pre-Existing Conditions

Montly payment option

Student Health Copayment

Maternity Care

Renewable upto 4 years

Sports coverage

StudentSecure insurance cost for International students in USA Buy Online »

The average cost of Student Secure plans are based on monthly rates.

Reasons for choosing a StudentSecure plan?

Studentsecure elite insurance - key highlights.

• This is an international student health plan which is suited for international students studying abroad outside their home country.
• Co-insurance with this plan for the claims incurred within the US: Within the PPO, 80% of eligible expenses is covered up to the next $10k after deductible and then 100% of the expense is covered up to the overall maximum limit of the plan. For claims outside the PPO, usual, reasonable and customary charges are covered and the insured is responsible for any charges exceeding the payable amount.
• Co-insurance for claims incurred outside the US : After the deductible, 100% of the eligible expenses are covered up to the Certificate period maximum.
• Acute onset of pre-existing condition is covered for $25k lifetime maximum for eligible expenses.
• Pre-existing conditions are covered after a 6 month waiting period.
• Maternity care for covered pregnancy is covered for up to $25k.
• Intensive Care Unit charges are covered up to the overall maximum limit.
• Outpatient prescription drugs are covered as Generic drugs:100% co-insurance, Brand name drugs: 50% co-insurance, Specialty drugs: No coverage.
• Emergency Dental treatment covers up to $500 maximum per Certificate period (Not subjected to co-insurance).
• Sports activities, leisure, recreational,entertainment or fitness is covered upto overall maximum limit.
• Optional Intercollegiate, interscholastic, intramural or club sports rider is covered up to $5000 maximum per injury or illness, medical expenses only.
• Emergency Medical Evacuation is covered for up to $500k lifetime maximum (Not subject to deductible or co-insurance).
• Repatriation of remains is covered for up to $50k lifetime maximum (Not subject to deductible, co-insurance or overall maximum limit).

StudentSecure Select Insurance - Key Highlights

• Co-insurance with this plan for the claims incurred within the US: Within the PPO, 80% of eligible expenses is covered up to the next $25k after deductible and then 100% of the expense is covered up to the overall maximum limit of the plan. For claims outside the PPO, usual, reasonable and customary charges are covered and the insured is responsible for any charges exceeding the payable amount.
• Outpatient prescription drugs are covered for 50% of actual charges (Not subjected to deductible or co-insurance).
• Optional Intercollegiate, interscholastic, intramural or club sports rider is covered up to $5k maximum per injury or illness, medical expenses only.
• Emergency Medical Evacuation is covered for up to $300k lifetime maximum (Not subject to deductible or co-insurance).
• Repatriation of remains is covered for up to $50,000 lifetime maximum (Not subject to deductible, co-insurance or overall maximum limit).

StudentSecure Budget Insurance - Key Highlights

• The Budget plan provides a policy maximum of $250k and Certificate period maximum of $500k with deductible of $0.
• Co-insurance with this plan for the claims incurred within the US: Within the PPO, 80% of eligible expenses is covered up to the next $45k after deductible and then 100% of the expense is covered up to the overall maximum limit of the plan. For claims outside the PPO, usual, reasonable and customary charges are covered and the insured is responsible for any charges exceeding the payable amount.
• Pre -existing condition is covered after a 12 month waiting period.
• Maternity care for covered pregnancy is covered for up to $5k.
• Emergency Medical Evacuation is covered for up to $250k lifetime maximum (Not subject to deductible or co-insurance).
• Repatriation of remains is covered for up to $25k lifetime maximum (Not subject to deductible, co-insurance or overall maximum limit).

StudentSecure Smart Insurance - Key Highlights

• This plan comes in four levels of coverage Elite, Select, Budget or Smart to suit the needs and budget of the student.
• The Smart plan provides a policy maximum of $100k and Certificate period maximum of $200k with deductible of $0.
• Co-insurance with this plan for the claims incurred within the US: Within the PPO, 80% of eligible expenses is covered up to the next $100k after deductible and then 100% of the expense is covered up to the overall maximum limit of the plan. For claims outside the PPO, usual, reasonable and customary charges are covered and the insured is responsible for any charges exceeding the payable amount.
• Emergency Medical Evacuation is covered for up to $50k lifetime maximum (Not subject to deductible or co-insurance).

Best StudentSecure insurance for students - FAQ's

WorldTrips, a member of Tokio Marine HCC group of companies since 1998 has been offering several travel insurance and trip cancellation products for international travelers across the globe. Their Student Secure plans are popular for product excellence, by giving affordable options for students to customize to meet the requirements of unique student needs.

Student Secure provides excellent insurance cover to international students and scholars outside their home country. This plan meets J-1 visa requirements, covers pre-existing conditions and some intercollegiate, interscholastic, intramural, or club sports coverage. As Student Secure insurance comes in four variants, Smart, Select, Budget and Elite. It is recommended to compare among them and buy the best student insurance as per your requirements. These affordable international student secure insurance plans satisfy most of the university requirements and also US J visa requirements.

StudentSecure Insurance is an international student health plan which is suited for international students studying abroad outside their home country.

The StudentSecure insurance for students cost will vary depending on the age of the traveler, the type of coverage, the travel destination and the duration of travel. Typically, visitors travel insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers.

You can purchase Student Secure plans on American Visitor Insurance at Student Secure Insurance . You can also call them at (877)-340-7910 to get more information on how to apply for Atlas travel health insurance from licensed insurance agents

The main requirements for applying for Student Secure is the travelers passport details and the travel dates. You can apply for Atlas travel insurance online on American Visitor Insurance or call (877)-340-7910 to get help while applying.

WorldTrips Covid19 travel insurance by StudentSecure Insurance for Covid coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

WorldTrips for over 23 years is a well-recognized company in the US and across the globe for their vast network of hospitals and healthcare support system. The company offers several student travel insurance plans for students with access to the best healthcare support and 24/7 emergency travel assistance.

WorldTrips insurance previously known as Tokio Marine HCC – Medical Insurance Services Group has received A+ rating from the from S&P Global Ratings. WorldTrips currently offers Student Secure medical insurance for international students in the USA.

WorldTrips offers coverage for international student from around the world in the US with the fully comprehensive student medical insurance. WorldTrips was acquired by Tokio Marine in 2015 and functions as a member since the acquisition. WorldTrips insurance offer some of the unique student medical insurance for foreign students worldwide.

Yes, International students can renew StudentSecure Insurance online up to 12 months.

StudentSecure insurance offers Maternity care for covered pregnancy up to $10K. It also offers Nursery care of new born up to $750.

To be eligible for WorldTrips StudentSecure medical insurance, you must:

• Be a full-time student or scholar, the spouse of the full-time student or scholar, or a dependent traveling with the full-time student or scholar
• Reside outside your country of residence for the purpose of pursuing international educational activities for a temporary period of time
• Be physically and legally residing in host country with the intent to reside there for at least 30 days on the effective date and at renewal
• Meet student visa requirements, such as F visa, J visa, or other types of visas

You can renew or extend your StudentSecure plan online before the expiration date of your current policy. You can access the online renewal system through the WorlTrips Student Zone or through the email that you will receive before your policy expires. You can renew your plan for a minimum of 30 days and a maximum of 4 years, as long as you meet the Student Secure plan eligibility requirements.

The main differences between the four levels of StudentSecure medical insurance plans are the policy maximums, deductibles, and benefits. The Elite option provides the highest policy maximum of $5M per policy period and the lowest deductible of $25 per injury or illness. It also provides the most comprehensive benefits, such as vaccination coverage, maternity coverage, and intercollegiate sports coverage. The Select option provides a policy maximum of $600K per policy period and a deductible of $35 per injury or illness. It also provides some additional benefits, such as mental health coverage and personal liability coverage. The Budget option provides a policy maximum of $500K per policy period and a deductible of $45 per injury or illness. It also provides some basic benefits, such as emergency medical evacuation and repatriation of remains. The Smart option provides the lowest policy maximum of $200K per policy period and the highest deductible of $50 per injury or illness. It also provides the least benefits, such as accidental death and dismemberment and terrorism coverage.

StudentSecure travel insurance provides benefits for eligible expenses related to emergency situations that occur during your policy period. The travel benefits include emergency medical evacuation, repatriation of remains, accidental death and dismemberment, terrorism coverage, trip interruption, lost checked luggage, and more. The amount of travel benefits depends on the plan option you choose.

The student secure plan covers injuries and illnesses resulting from participation in leisure sports and activities that are not organized or sponsored by your school. Some examples of covered sports and activities are basketball, soccer, tennis, hiking, skiing, surfing, and yoga. However, some sports and activities are excluded from coverage, such as professional or semi-professional sports, contact sports, extreme sports, and motor sports.

The WorldTrips student secure plan meets the J-1 visa requirements by providing medical benefits for sicknesses and injuries, emergency medical evacuation, repatriation of remains, accidental death and dismemberment, and medical assistance services. The plan also meets or exceeds the minimum coverage amounts required by the U.S. Department of State for J-1 visa holders.

The optional sports rider is an additional benefit that covers up to $5K per injury resulting from intercollegiate, interscholastic, intramural, or club sports. You can add this rider to your plan by paying an extra premium of $1.25 per person per month. You can add this rider at the time of application or during renewal.

The student secure plan covers vaccinations up to $150 per year for Select and Elite plans only. The plan also covers mental health disorders up to a certain amount per year depending on the level of coverage. For example, the Elite plan covers up to $2,500 per year for inpatient treatment and up to $50 per day for outpatient treatment.

The student secure health insurance plan covers pre-existing conditions after a waiting period that varies depending on the level of coverage. The Elite and Select plans have a 6-month waiting period, the Budget plan has a 12-month waiting period, and the Smart plan does not cover pre-existing conditions at all.

On American Visitors Insurance students can buy US student insurance using a paper application form either on monthly basics or yearly. Students should complete and the Student Secure proposal form and make the payment. On receiving the completed Student Secure insurance application form and the payment, the Student Secure insurance policy will be emailed to the customer.

There are several reasons to consider an international student insurance plan like StudentSecure for your overseas studies:

To Meet Visa Requirements: Most countries require international students to possess a valid student visa. Some visas require proof of insurance that meets specific requirements. StudentSecure meets the insurance requirements of most visas, including the J-1 visa . As a StudentSecure policyholder, you will have access to a visa letter you can use as proof of coverage. You can download your visa letter through the Member Portal, where you can conveniently manage your policy online.

To Meet Your Study Abroad Program or School Requirements: Your program or university may require you to have valid student health insurance that meets requirements. Many programs and schools provide their own insurance plans, but often times allow students to purchase alternate coverage that meets requirements. Upon purchase of a StudentSecure policy, we will help you provide proof of coverage that meets requirements to your program or school. Simply submit a request for a waiver form and/or visa letter to [email protected] . We will send completed copies of the form(s) to you and your school.

To Cover Unexpected Medical Expenses: Your regular health insurance may not provide adequate coverage while you are outside of your home country and very few plans pay for medical evacuation .

Contact our customer service team, we are here to help you!

Buying health insurance for international students studying in the USA

Student’s age

The student’s age is a vital factor that determines the cost of the best USA medical insurance for students. The prices vary for different age groups. The prices while buying f1 visa us health insurance will increase with the increase in the age of the student.

The duration of coverage

The price of cheap graduate student health insurance USA can be either monthly or on a daily basis. The price will be more with an increase in the duration of coverage required.

Maximum medical coverage

The cost of health insurance for international students in USA is directly proportional to the medical maximum coverage required. The cost of F1 student medical insurance is less for a budget conscious student who chooses basic coverage while higher medical maximum coverage will cost more.

Medical Evacuation and Repatriation Coverage for students

Many international students already have insurance for their time abroad but need evacuation and repatriation coverage to meet their school or visa requirements. These students choose Atlas MedEvac insurance . This supplemental plan can provide the coverage you need without the added benefits and cost. Atlas MedEvac is available for non-U.S. citizen traveling to the U.S. or anywhere else outside of your home country.

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Student Sports

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International Student Insurance

Having reliable health insurance should be a top priority for international students in case of an accident or the need to see a doctor while studying abroad. With more than 20 years of experience, you can count on our plans throughout your journey. We offer the very best health and travel insurance plans that fit the unique needs of study abroad and international students like you. Our plans are recognized around the world and provide high quality coverage, at an affordable rate. Compare international student health insurance plans in seconds by starting with our easy to use tool.

Since 1998 it’s been our mission to provide reliable health insurance options and assist students in making an informed decision. Whether you need a travel medical plan for trips five days in length up to five years, or a more long term international plan, we have coverage to meet all needs. Below are our four top suggested solutions, view the plan details and get pricing information in minutes:

Student Secure

Health insurance designed for international students and offered in four levels of coverage: Smart, Budget, Select and Elite.

• Same day coverage
• Renewable for coverage up to 4 years
• Telemedicine included
• Great for F1, J1, and OPT students

Student Health Advantage

A health insurance plan created for international students and offered in two levels of coverage: Standard and Platinum.

• Next day coverage
• Renewable for coverage up to 5 years
• Great for F1/J1 students and scholars, and their dependents

Atlas Travel

Instant travel medical insurance for purchasers that need reliable coverage around the world.

• Up to $2 million in coverage
• Deductible options: $0-$5,000
• Minimum 5 days coverage
• Great for travelers, dependents, and scholars.

Patriot Travel Medical

Flexible international medical coverage that travelers can count on when they need it most.

• Up to $8 million in coverage
• Deductible options: $0-$25,000
• Great for travelers, dependents and scholars.

Please visit our legal page for more information about our insurance licenses.

Please note that International student insurance plans are different from a student travel insurance plan because the policy duration is much longer - an academic year or longer. international student travel insurance does not necessarily include an adequate level of health insurance to cover your medical expenses as an overseas student in the United States.

The cost of medical expenses in the United States is extremely high without health insurance and there is no access to universal health care such as you might find in your home country or in countries where there is a reciprocal agreement. Depending on the type of visa you have, or the college or university you attend, there may be a requirement for you to have a certain type of international student health insurance policy.

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WorldTrips Insurance

WorldTrips – Formerly Tokio Marine HCC

WorldTrips began in 1988 and was one of the first insurers in the world to offer its plans for purchase over the Internet. It has continued to grow its leading technical capacity, and now customers can buy insurance, file claims, check their policy, and get their documents online at any time, day or night. WorldTrips International has a financial strength rating of “A+ (Strong)” from S&P Global Ratings.

WorldTrips is a division of Tokio Marine HCC, which has helped customers for over 140 years. Tokio Marine HCC has offices in countries around the world, including the U.S., Mexico, the United Kingdom and Continental Europe. Its 3,000 employees apply a unique understanding of risk and a passion for underwriting.

WorldTrips insurance plans are with you anywhere you may travel for vacation, study abroad, business and mission trips, or extreme sports adventures.

WorldTrips is one of our Top 10 Travel Insurance Companies .

WorldTrips insurance (formerly Tokio Marine HCC) provides travel medical insurance to international travelers and students so they can receive the best treatment in the case of any accidents or unexpected issues while abroad. Thousands of customers in over 130 countries trust WorldTrips to give them an extra layer of security when they are traveling outside of their home country.

Why Choose WorldTrips Travel Insurance?

Member support.

24/7 Emergency Travel Assistance

Online Policyholder Portal

Members can easily access policy information and submit and track claims through the WorldTrips online policyholder portal for their plan.

Online Provider Search

Within the U.S., members can search for a doctor or hospital in the WorldTrips PPO network using the online provider search. Outside the U.S., members can seek treatment from any provider they want, and WorldTrips offers a curated list of excellent providers in locations around the world.

WorldTrips Comprehensive Travel Medical Plans

A WorldTrips travel insurance plan gives you access to the best doctors, wherever you are. After you have purchased coverage, if you need to find a provider in an unfamiliar location, just call WorldTrips or access their online list of providers to find the right doctor for you.

The plans also offer a number of added benefits for any of life's little hiccups, including emergency travel assistance, lost luggage tracking, emergency cash transfers, legal referrals, translation assistance, medical monitoring, emergency travel arrangements and more. Their customer service representatives offer customer support in a wide array of languages around the world.

Your medical coverage in your home country is often of no help when you're overseas. The Atlas Travel plan gives you protection while you're abroad, providing international travel medical insurance for periods of travel between five and 364 days. It is also customizable, allowing you to choose the right level of coverage to suit your personal needs.

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

The Atlas Group insurance plan is available upon request for groups of 5 or more traveling abroad.

If you're studying abroad, you may need insurance to satisfy your visa requirements or your school requirements – and you will want insurance to ensure you are fully covered if any mishaps arise. The StudentSecure international student health insurance plan from WorldTrips provides comprehensive medical coverage for full-time students or full-time scholars studying outside of their home country. With four levels of coverage to choose from, you can find the plan that fits your needs and your budget.

• Provides Medical, Dental, Evacuation and other Benefits
• Keep your coverage when your studies last multiple years
• Medical providers are available in over 130 countries worldwide

The WorldTrips Provider Network

WorldTrips maintains relationships with hospitals, laboratories, and doctors throughout the world. In the U.S., WorldTrips has a vast Preferred Provider Organization (PPO). Throughout the rest of the world, it maintains an extensive list of recommended providers, although you are free to visit any provider you choose. Many of your provider selection decisions will be based on geographical location and provider specialty needs.

Areas of Coverage

Coverage is worldwide, so you can be assured that you are still protected if your travel is multinational. Customers can choose a policy that includes or excludes the United States.

How to Find a Provider

Outside the United States, members can see any doctor they like. WorldTrips also makes it easier to find a provider in an unfamiliar country with an extensive list of international providers. Once you have purchased your plan, to find a provider in your area, go to the WorldTrips website or call +1 (317) 262-2132 (collect calls accepted).

In the United States, members can access doctors and facilities from the robust WorldTrips Preferred Provider Organization (PPO) network. Once you have purchased your plan, call WorldTrips directly at (800) 605-2282 or use their easy online tools to find a provider near you.

US Provider Network

The provider network for members in the United States is contingent on when the medical policy was purchased.

If the member purchased their travel medical policy before July 2019 or the member is an EU resident who purchased a policy before May 2020, their providers are in the First Health International network.

If the member purchased their travel medical policy after July 2019 or is an EU resident who purchased a policy after May 2020, their providers are in the United Healthcare network.

How to File a Claim Inside the US

How to File a Claim Outside the US

WorldTrips Member Services

WorldTrips has customer service specialists available 24 hours a day, seven days a week to help customers in the case of a travel emergency. Their specialists are well-trained, multi-lingual, experienced people that can provide both emergency and travel assistance services.

The Customer Service area on the WorldTrips site also offers the ClientZone. In this area members can download policy documents, file and track claims, update their address, and handle renewal, extension or cancellation of their policy. This area also provides answers for frequently asked questions such as, "Where do I find my certificate ID number?" and "How do I verify the coverage area of my policy?"

WorldTrips' Customer Care Contact Information

• Within the United States: (800) 605-2282 (toll-free)
• Outside the United States: +1 (317) 262-2132 (collect calls accepted)

WorldTrips P.O. Box 2058 Farmington Hills, Michigan 48333-2005

FAQs about WorldTrips Travel Insurance

What type of insurance does worldtrips offer.

WorldTrips offers travel medical insurance and medical insurance for students studying outside their home country.

Their Student Secure plan is ideal for students coming to the USA or for US students studying abroad. The plan is also available for any student traveling abroad from any country excluding Canada and Australia.

The Atlas Travel Medical plan is for all travelers worldwide traveling abroad for 5 days or longer. 

Who is the underwriter for WorldTrips insurance?

WorldTrips’ Atlas Travel Series and StudentSecure international travel medical insurance products are underwritten by Lloyd's.

Does WorldTrips cover pre-existing conditions?

Pre-existing conditions are excluded from WorldTrips coverage. WorldTrips states that it defines pre-existing conditions as any condition:

• for which medical advice, diagnosis, care, or treatment was recommended or received within 2 years prior to your effective date of coverage
• which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 2 years prior to your effective date of coverage
• that existed (with reasonable medical certainty) with 2 years prior to your effective date of coverage, whether or not it was known to you

Is WorldTrips the new name for Tokio Marine HCC Travel Insurance?

Yes! If you were looking for Tokio Marine HCC Insurance, HCC Medical Insurance Services or HCCMIS, this is the same reliable company you have always known with a new name. The company rebranded its name to WorldTrips.

More to Read:

Comprehensive Travel Insurance

Get a fast, free, international insurance quote., global medical plans, specialty coverage, company info, customer service.

Student & Study Abroad Insurance

Collegiate care essential.

• United Healthcare PPO Network
• $150,000 per Period of Insurance
• $500,000 Lifetime maximum
• $250 per Insured Person In Network Deductible
• $250 per Insured Person Out of Network Deductible
• $45 Student Health Center Deductible
• Copayments-Emergency Room Visit $350
• Plan covers 80% of the Preferred Allowance
• Maternity coverage-restrictions apply /Conception must occur at least ten (10) months after Effective Date
• Prescription Medications 100% of charges
• COVID-19 EXPENSES are covered and treated as any other sickness
• Pre-existing Conditions Waiting Period: Student 6 months and Dependents 24 months
• See plan documents for full details
• Student must have a valid F, M, or Q visa. F1 visa holder on OPT are not eligible
• For ages 12-40 years
• Must be "actively engaged" in education, teaching, or research activities
• Must purchase for a minimum of 91 days for coverage
• Extendable for up to 364 days total or until 6/30/2025

Collegiate Care Exclusive

• Unlimited medical maximum and lifetime medical maximum
• $50, $100, or $1,000 Deductible for In Network
• $100, $200 or $1,500 Deductible Out of Network
• $0 Student Health Center Deductible
• Copayments- Physician/Specialist $25; Urgent Care Center $50 Emergency Room Visit $250 Hospital Admission $100
• Plan covers 90% of the Preferred Allowance
• Sports Activities Coverage - Interscholastic, Intercollegiate, Intramural and Club
• Maternity coverage-restrictions may apply
• Pre-existing Conditions Waiting Period: covered without a Waiting Period
• For ages 12 to 40 years
• Must purchase a minimum of 91 days coverage

Collegiate Care Enhanced

• Maximum Benefit Payable $500,000 maximum per period of insurance
• Unlimited medical maximum per lifetime
• $100 per Insured Person In Network Deductible
• $500 per Insured Person Out of Network Deductible
• Student Health Center $0 per visit not subject to Deductible
• Copayments-Physician/Specialist $30; Urgent Care Center $30; Emergency Room Visit $300; Hospital Admission $300
• 80% of Preferred Allowance/ Out of Network Provider 70% Usual & Customary
• Prescription Medications -80% of charges
• Maternity coverage-restrictions apply
• Pre-existing Conditions Waiting Period: Student and Dependents-6 months
• The plan is Primary if there is no other policy
• For ages 16 to 40 years

Collegiate Care Enhanced Plus

• $100 per Insured Person, 2x Individual per family In Network
• $500 per Insured Person, 2x Individual per family Out of Network
• Copayments-Physician/Specialist $30; Urgent Care Center $30; Emergency Room Visit $300; Hospital Admission $250
• Intramural or Club Sports Activity Coverage - 80% of Preferred Allowance
• Pre-existing Conditions Waiting Period: Student and Dependents-6 months for students and 24 months for dependents

Collegiate Care Elite

• Unlimited maximum per Period of Insurance/Unlimited per Lifetime
• $100, $500 $1,000 per Insured Person in Network
• $200, $750, $1,500 per Insured Person Out of Network
• Copayments-Physician/Specialist $25; Urgent Care Center $50; Emergency Room Visit $250; Hospital Admission $100
• Pre-existing Conditions Waiting Period: no waiting period for students, dependents covered after 24 months

Collegiate Care J1 Visa Plan

• $100,000 maximum per covered Illness or Injury
• $100 per Insured Person Out of Network Deductible
• Student Health Center Copayment $0
• Copayments- Physican/Specialist $0 Emergency Room Visit $250 Urgent Care $0 Emergency Room $250 per visit
• Plan covers 100% of the Preferred Allowance
• Maternity - Not covered
• Prescription Medications 80% of charges
• Medical Evacuation and Repatriation - Covered
• Pre-existing Conditions are covered after a 12 month Waiting Period
• Student must have a valid J1 visa
• For ages 12 to 64 years
• $1,000,000 maximum/sublimits apply
• Coinsurance: 80% of Preferred Allowance/ Out of Network Provider 60% Usual & Customary
• Copayments: Physician/Specialist Visit: $50 Urgent Care Center: $50 Hospital per Admission: $350 Emergency Room: $350
• Prescription Medications $2,000 per period of insurance/ 80% of charges
• Maternity -Not Covered
• Emergency Treatment of a Pre-Existing Conditions up to $25,000
• Medical Evacuation and Repatriation $100,000 Maximum per Period of Insurance
• Return of Mortal Remains $100,000 Maximum per Period of Insurance
• For ages 5 to 50 years

International Student and Scholar Medical Evacuation and Repatriation

• Emergency Medical Evacuation and Repatriation $50,000 or $100,000
• Repatriation of Remains or Burial $50,000
• Emergency Travel Expenses (Reunion) Up to $2,500 when in hospital for more than 3 days
• Return Home due to Family Member Death or Illness $2,500
• Medical Monitoring Included
• 24-hour Nurse Help Line Included
• Please note: plan does not offer medical coverage
• Annual plan for international students, scholars, faculty members and their families traveling to the US
• Meets US government requirements for J1, F1,H1 and other visas for this coverage in addition to a Major Medical plan

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Privacy Policy

Trawick International’s Privacy Policy

Welcome to our website.  We appreciate your interest in us.  We take the privacy of our customers very seriously and are committed to protecting your privacy. This policy explains how we collect, use, and transfer your personal data, and your rights in relation to the personal data stored by us when you use our website or otherwise engage with our services.

Effective October 3, 2023

This policy sets out the following:

• What personal data we collect about you and how;
• How the data is used;
• Our legal basis for collecting your information;
• Who we share your data with;
• Where we transfer your information;
• How long we retain your information for;
• Your rights and choices in relation to the data held by us;
• How to make a complaint in relation to the data held by us;
• How to contact us with any queries in relation to this notice, or the personal data held by us.

Who is Trawick International?

Trawick International (“we,” “us,” or “our”) provides worldwide travel medical insurance, travel insurance, trip insurance for trip cancellation or trip interruption, international student insurance, group travel insurance, and many other products designed specifically for those traveling.  Our travel insurance programs are designed for those traveling to the USA, individuals traveling abroad, US Citizens who are traveling in the USA and non US citizens traveling from their home country but not visiting the USA.  We offer an extensive worldwide network of quality physicians, hospitals, and pharmacies.  We cover employees, corporations, schools, frequent world travelers, international students, study abroad programs, missionary trips, and just the casual vacation traveler.  Our individually customized plans can cover hospital stays, doctor visits, x-rays, prescriptions, ambulance, emergency evacuation, repatriation, flight insurance, trip interruption, trip cancellation, trip delay, and lost baggage.   

For the purposes of European data protection laws, if you are visiting our  website www.trawickinternational.com (or otherwise engaging with our services from the European Economic Area (or "EEA"), the data controller of your information is Trawick International.

What is personal data?

In this privacy policy, references to "personal information" or "personal data" are references to information that relates to an identified or identifiable individual. Some examples of personal data are your name, address, email, and telephone number, but it may also include information such as your IP address and location in certain jurisdictions.

What personal data do we collect?

We collect personal data that you provide to us when you sign up for our services, such as your contact information and financial information. We may also collect commercial information based on how you interact with our services, such as the products or services you’ve purchased or other Internet or network activity, such as your website browsing history or mobile device information.

Below are some more details on the type of personal data we collect.

Information that is provided by you:

In order to provide services to you we may ask you to provide personal information. This may include, amongst other things, your name, email address, postal address, telephone number, gender, date of birth, passport number, bank account details, credit history and claims history, citizenship status, marital status depending on the service you are seeking. The personal information that you are asked to provide, and the reasons why you are asked to provide it, will be made clear to you at the point at which we ask you for it or upon request.

Some of the information that you provide may be “special category” (or “sensitive”) personal data. Sensitive personal data relates to your racial or ethnic origin, political opinions, religious or philosophical beliefs, or trade union membership, genetic data, biometric data for the purpose of uniquely identifying a natural person, data concerning health or data concerning a natural person’s sex life or sexual orientation, and can sometimes be inferred from other, non-sensitive, information that you have provided.

Information that we collect on our website:

When you visit our website, we will seek your consent to collect certain information from your device. In some countries, including countries in the EEA, this information may be considered personal information under applicable data protection laws.

Specifically, the information we are seeking to collect includes information like your IP address, device type, unique device identification numbers, browser type, broad geographic location ( e.g., country or city-level location) and other technical information. We may also collect information about how your device has interacted with our website, including the pages accessed and links clicked.

Collecting this information enables us to better understand visitors to our website, where they come from, and what content on our website is of interest to them. We use this information for our internal analytics purposes and to improve the quality and relevance of our website to our visitors.

Some of this information may be collected using cookies and similar tracking technology, as explained further under the heading “Cookies" below.

Information that we obtain from third party sources:

From time to time, we may receive personal information about you from third party sources but only where we have checked that these third parties either have your consent or are otherwise legally permitted or required to disclose your personal information to us.

For information about a third party’s usage and/or sharing of your personal data, please refer to the third party’s own privacy statement.

We may, where we are legally permitted to, also collect personal data from the following sources in order to provide services to you:

• Credit reference agencies;
• Anti-fraud and other databases;
• Government agencies;
• Electoral register;
• Court judgments;
• Sanctions lists;
• Family members; and
• In the event of an insurance claim: the other party to the claim, witnesses, experts, loss adjusters, solicitors, and claims handlers.

How is personal data used?

We may need to use your personal data in order to carry out the following activities:

• To set you up as a new client (including carrying out “know your customer” checks);
• To provide you with an insurance quote;
• To provide our products and services to you;
• To respond to your inquiries;
• To accept payments from you;
• To communicate with you about your policy;
• To renew your policy;
• To obtain reinsurance for your policy;
• To process insurance and reinsurance claims;
• For general insurance administration purposes;
• To comply with our legal and regulatory obligations;
• To model our risks;
• To defend or prosecute legal claims;
• To investigate or prosecute fraud;
• To respond to your enquiries; or
• To secure our network and our website, debug the website and repair errors;
• To conduct audits related to our interactions with you;
• To make our products and services better and to develop new products and services;
• To send you notices and information regarding our products or services, including notifying you about special promotions or offers, where we are legally permitted to do so; and
• Enforce our Terms and other usage policies and comply with legal requirements.

Our legal basis for collecting your information:

Our legal basis for collecting and using your personal data will depend on the personal data concerned and the specific context in which we collect it.

We will normally collect personal data where we need the information to provide you with our services / perform a contract with you, where the processing is in our legitimate interests and not overridden by your data protection interests or fundamental rights and freedoms, or with your consent.

In some cases, we may use your personal data for a legal obligation, e.g., in order to complete “know your customer” and money laundering checks before taking you on as a new client.

If we ask you to provide personal information to comply with a legal requirement or to perform a contract with you, we will make this clear at the relevant time and advise you whether the provision of your personal information is mandatory (as well as of the possible consequences if you do not provide your personal information). You are under no obligation to provide personal data to us. However, if you should choose to withhold requested data, we may not be able to provide you with certain services.

Similarly, if we collect and use your personal information in reliance on our legitimate interests (or those of any third party), we will make clear to you at the relevant time what those legitimate interests are.

If you are a UK resident, we may collect and use your personal information, including sensitive personal information, on the basis of the insurance derogation in the UK Data Protection Act 2018.

If you are an EU resident, we may collect and use your personal information, including sensitive personal information, on the basis of the substantial public interest of insurance purposes, as regulated in the General Data Protection Regulation (GDPR).

If you have questions about or need further information concerning the legal basis on which we collect and use your personal information, please contact us using the contact details provided under the “Contact Us" section below.

Who is your personal data shared with?

We may disclose your personal information with the following categories of recipients.

• To our group companies, third party service providers and partners who provide data processing services (for example data hosting and storage companies, email marketing affiliates, and payment and claims processing companies) or who otherwise process personal information for purposes that are described in this Privacy Policy (see “How is personal data used?”).
• To any competent law enforcement body, regulatory, government agency, court or other third party where we believe disclosure is necessary (i) as a matter of applicable law or regulation, (ii) to exercise, establish or defend our legal rights, or (iii) to protect your vital interests or those of any other person;
• To a potential buyer (and its agents and advisers) in connection with any proposed purchase, merger or acquisition of any part of our business, provided that we inform the buyer it must use your personal information only for the purposes disclosed in this privacy policy;
• To any other person with your consent to the disclosure.

We do not sell (or exchange) your personal information for monetary compensation.

If you are a US resident, from time to time we may share your personal information with third parties for a third party’s own direct benefit and this type of sharing may be considered a sale under certain applicable laws. For more information on the type of information we may share in this manner, please contact us.

International Transfers

Your personal data may be transferred to, and processed in, countries other than the country in which you are resident. These countries may have data protection laws that are different to the laws of your country.

Specifically, the servers of Trawick International are located in the United States. Trawick International partners with many other international companies.  This means that when we collect your information, we may process it in other countries.

We have taken appropriate safeguards to require that your personal data will remain protected in accordance with this privacy policy. We have also taken appropriate  safeguards with our third party service providers and partners.

How long is personal information retained?

We will keep your personal data on our records for as long as we have an ongoing legitimate business need to do so. This includes providing you with a service you have requested from us or to comply with applicable legal, tax or accounting requirements. It also includes keeping your data for so long as there is any possibility that you or we may wish to bring a legal claim concerning our services, or where we are required to keep your data for legal or regulatory reasons. Please contact us using the contact details provided under the “Contact Us" section below should you require further information on our record retention procedures.

We may also retain your personal data where such retention is necessary in order to protect your vital interests or the vital interests of another natural person.

Your Rights as a Data Subject

You have the right to opt out of marketing communications we send you at any time. You can exercise this right by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

If you are an EU resident, you will need to opt-in to receive marketing from us. If you then wish to unsubscribe at any point, you can do so by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

Similarly, if we have collected and processed your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information that was lawfully collected on grounds other than consent.

You have the right to complain to a data protection authority about our collection and use of your personal information. For more information, please contact your local data protection authority.

We respond to all requests we receive from individuals wishing to exercise their data protection rights in accordance with applicable data protection laws.

You may exercise any of your rights in relation to your personal data by contacting us using the details set out in the “Contact us” section at the bottom of this page.

If you are resident in the UK or EU, your principal rights under data protection law are as follows:

• the right to access;
• the right to rectification;
• the right to erasure;
• the right to restrict processing;
• the right to object to processing;
• the right to data portability;
• the right to complain to a supervisory authority; and
• the right to withdraw consent.

If you wish to access, correct, update or request deletion of your personal information, we will ask you to provide us with a copy of any two of the following documents: Driver’s license; Passport; Birth certificate; Bank statement (from the last 3 months); or Utility bill (from the last 3 months). With regards to your right of access, the first access request will be complied with free of charge, but additional copies may be subject to a reasonable fee.

In addition, you can object to processing of your personal information, ask us to restrict processing of your personal information or request portability of your personal information.

If we have collected and processed your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information conducted in reliance on lawful processing grounds other than consent. You have the right to complain to a data protection authority about our collection and use of your personal information. For more information, please contact your local data protection authority.

Contact details for other data protection authorities in the European Economic Area, Switzerland and certain non-European countries (including the US and Canada) are available  here .

If you are based in the UK or EU, you may exercise any of your rights in relation to your personal data by contacting us using email or you can use the details set out in the “Contact Us” section at the bottom of this page.

If you are resident in the US, applicable law may entitle you, upon verifiable request, to receive disclosures relating to:

• The categories and specific pieces of information we have collected;
• The categories of sources from which the personal information is collected;
• The business or commercial purpose for collecting personal information; and
• The categories of third parties with whom we share personal information.

If you wish to exercise any of the rights described above, we will ask you to verify your identity. We generally will not charge to reply to your request, but we may charge a reasonable fee or refuse your request if the request is unjustified or excessive.

Automated decision making

In some instances, our use of your personal information may result in automated decisions being taken (including profiling) that legally affect you or similarly significantly affect you.

Automated decisions mean that a decision concerning you is made automatically on the basis of a computer determination (using software algorithms), without our human review. For example, in certain instances we may use automated decisions to establish whether we will propose insurance coverage to a prospective insured. We have implemented measures to safeguard the rights and interests of individuals whose personal information is subject to automated decision-making.

When we make an automated decision about you, you have the right to contest the decision, to express your point of view, and to require a human review of the decision.

As mentioned above, we may use your personal data to send you marketing materials.

If you are a UK or EU resident, you will need to opt-in to receive marketing from us. If you then wish to unsubscribe at any point, you can do so by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

If you are resident in the US, you do not need to opt-in to receive marketing materials from us, and you have the right to opt-out of receiving such communications. If you would like to stop receiving marketing information from us, please unsubscribe by clicking the “unsubscribe” link in the relevant marketing email or contacting us.

Trawick International is committed to keeping our customers’ data safe. We have security measures in place designed to protect against the loss, misuse, and/or alteration of personal data under our control. Although we cannot ensure or guarantee that loss, misuse, or alteration of data will not occur, we use our best efforts to prevent this. If you have any concerns that your Trawick International account or personal data has been put at risk, please contact us.

Our sites use cookies (a small piece of information that is placed on your computer when you visit certain websites) to distinguish you from other users, to track your browsing pattern and to build a profile of how you and other users use our sites. This helps us to provide you with a good experience when you browse any of our sites and also allows us to improve our sites. If you have an online account with us, we also use cookies to recognize you to pre-fill forms to save you time. Trawick International does not mandate cookies for you to access our sites and you may freely set your browser to reject all cookies or prompt you to accept or reject them. Some of the cookies we use are session cookies and only last until you close your browser, others are persistent cookies which are stored on your computer for longer. We may collect information through web beacons about your web browsing activities such as the address of the page you are visiting, the address of the referrer page you had previously visited, the time you are viewing the page, your browsing environment, and your display settings. We do this in order to optimize your browsing experience, the use of web-based services and provide you with relevant information on Trawick International products and services when you have opted-in to receiving such correspondence.

We will not respond to Web browser “do not track” signals. If you would like additional information about online tracking and various opt-out mechanisms, please see https://youradchoices.com/

Because we may link to social media sites, and from time to time may include third-party advertisements, other parties may collect your personally identifiable information about your online activities over time and across different web sites when you visit this Site.

Please note that not all tracking will stop even if you delete cookies.

Children's Data

Our websites and applications are not directed to children under 16 and we do not knowingly collect any personal information directly from children under 16. If you believe that we are processing personal information pertaining to a child inappropriately, we ask you to contact us using the information provided under the “Contact Us” section.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time in response to changing legal, technical, or business developments. When we update our Privacy Policy, we will take appropriate measures to inform you, consistent with the significance of the changes we make. We will obtain your consent to any material Privacy Policy changes if and where this is required by applicable data protection laws.

You can see when this Privacy Policy was last updated by checking the “effective date” displayed at the top of this Privacy Policy.

Any changes will be effective only after the effective date of the change and will not affect any dispute arising prior to the effective date of the change.

If you have any questions about this Privacy Policy, please contact us using the following contact details:

Post Office Box 2284

Fairhope, Alabama USA 36533

Toll Free Telephone Number: +1 (888) 301-9289

Terms and Conditions of Use

Important information.

The information contained in this website is not intended to be an offer to sell or a solicitation in connection with any product or service by Trawick International Inc., in any jurisdiction where such an offer or solicitation would be unlawful or in which Trawick International, Inc., is not qualified to do so. Products and services described in this website may not be available in all jurisdictions. Not all insurance products described in this website are available to all persons in all States, Countries, or other jurisdictions at all times.

All products contain certain conditions, restrictions, limitations and eligibility requirements. The information contained in this website is not intended to be a complete description of all terms, exclusions and conditions applicable to the products and services. For complete terms, exclusions and conditions applicable to the products offered please contact Trawick International .

By using this website, you agree to the terms of its use. If you do not agree to these terms, PLEASE DO NOT USE THIS WEBSITE. For additional information or questions, please contact Trawick International or your independent insurance broker or agent.

TERMS & CONDITIONS OF USE

Effective Date: October 6, 2023

INTRODUCTION

THESE TERMS & CONDITIONS OF USE (“T&C”) GOVERN YOUR USE OF TRAWICK INTERNATIONAL, INC.’S (“COMPANY”, “WE”, “OUR”, OR “US”) WEBSITE LOCATED AT WWW.TRAWICKINTERNATIONAL.COM OR OTHER WEBSITES CONTROLLED BY COMPANY AND ITS AFFILIATES AS WELL AS ANY DOCUMENTS EXPRESSLY INCORPORATED BY REFERENCE AND ANY RULES AND POLICIES PUBLISHED ON THIS WEBSITE (THE “WEBSITE”).

BY ACCESSING THIS WEBSITE, YOU AGREE TO THE T&C, REVISIONS, AND MODIFICATIONS. ALL CHANGES ARE EFFECTIVE IMMEDIATELY UPON POSTING, AND APPLY TO ALL ACCESS TO AND USE OF THE WEBSITE THEREAFTER. ANY CHANGES WILL NOT EFFECT ANY DISPUTES ARISING PRIOR TO THE EFFECTIVE DATE OF THE CHANGE. WE MAY SEND YOU NOTICES WITH RESPECT TO THE WEBSITE IN VARIOUS MEDIUMS, INCLUDING BY EMAIL ADDRESS, POSTAL MAIL, AND/OR BY POSTING ON THE WEBSITE.

ARBITRATION NOTICE: EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN THE “ARBITRATION AND CLASS ACTION WAIVER” SECTION BELOW, AND IF YOU DO NOT OPT-OUT AS SET FORTH IN THAT SAME SECTION, YOU AGREE THAT DISPUTES BETWEEN YOU AND COMPANY OR ITS AFFILIATES WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION, AND YOU WAIVE YOUR RIGHT TO BRING OR RESOLVE ANY DISPUTE AS, OR PARTICIPATE IN, A CLASS, CONSOLIDATED, REPRESENTATIVE, COLLECTIVE, OR PRIVATE ATTORNEY GENERAL ACTION OR ARBITRATION.

ACCESS TO THIS WEBSITE

To access the Website or some of its resources, you may be asked to provide certain personal details or other information. It is a condition of your use of the Website that all the information you provide on the Website is correct, current, and complete.

In addition, certain other services of the Website, such as applying for coverage, may be governed by additional or different terms and conditions. You should carefully review those terms and conditions as they are referenced and/or presented to you.

We reserve the right to withdraw, amend, disable or suspend this Website, and any service or material we provide on the Website, in our sole discretion with or without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.

We have the right to disable any user name, password or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of the T&C.

Your privacy matters to us. Your use of the Website is also subject to our Privacy Policy that is available online here (“Privacy Policy”) and is incorporated into and made a part of these Terms of Use. The Privacy Policy is subject to change, and you are encouraged to review the Privacy Policy whenever you supply the Website with any information because you agree that Company can collect, use, and share your information consistent with that policy.

RESTRICTIONS ON USE

You may use this Website only for your internal, non-commercial purposes. You agree not to use this Website in any way that violates any applicable federal, state, local or international law or regulation. You further agree to maintain and update your registration data as needed to keep it accurate, current and complete. You may not use this Website or any of the content, defined below, contained on it for any other purpose, including any unpermitted commercial purpose, unless we provide our prior written consent to such use.

Uses requiring our prior written consent include the following, without limitation:

• Co-branding this Website;
• Framing this Website;
• Using any robots, scrapers, spiders, data mining tools, or any similar device, tool, software, or process;
• Hyper-linking to specific product or coverage information; or
• Reselling or remarketing the content, as defined below.

"Co-branding" means displaying a name, logo, trademark or other means of attribution or identification of any party in a manner reasonably likely to give a user the impression that the other party has the right to display, publish or distribute this Website or its content. You will cooperate fully with Company and its affiliates in causing any unpermitted or unauthorized activity of yours or a third party authorized by you to cease immediately. To the extent that such unpermitted or unauthorized use continues after notice from Company or its affiliates, you agree to pay or reimburse us for any and all costs (including attorney fees if applicable) associated with ending or terminating such use.

You agree not to impersonate or attempt to impersonate the Company, a Company employee, another user or any other person or entity (including, without limitation, by using e-mail addresses associated with any of the foregoing).

PROHIBITED USES AND ACTIONS

Additionally, you specifically agree not to:

• decompile, reverse engineer, disassemble, modify, reduce the Website to human perceivable form or create derivative works based upon the Website or any part thereof;
• disable any licensing or control features of the Website;
• “frame” the Website or any portion thereof or otherwise cause the Website or its contents to appear to be provided by anyone except Company and its affiliates;
• merge the Website or materials with another program or create derivative works based on the Website or materials;
• remove, obscure, or alter any notice of the copyright or other proprietary legends on the Website or materials;
• sublicense, assign, translate, rent, lease, lend, resell for profit, distribute or otherwise assign or transfer the materials or access to the Website to others;
• use the Website by means of any automated program, expert system, electronic agent or “bot,” and shall not give any person or entity access to the Website;
• utilize any “scraping,” copying, republishing, licensing, or selling the data or information on the Website.

PURCHASES AND PAYMENT

Company accepts a variety of payment methods as reflected on the Website. Before you can submit a request for purchase using the Website, you may be required to provide a valid card number and associated information for a payment card that you are authorized to use, including any of or all of the following: (i) your name as it appears on the card; (ii) the credit or debit card type, (iii) the card’s expiration date; (iv) any activation numbers or codes needed to charge your card; and (v) the billing address or zip code or postal codes associated with your card. You authorize Company and/or its affiliates, payment processor to use information you submit to charge your card or other payment method for the price of purchase requested, in addition to any taxes, fees, and charges as described in the T&C, at our convenience, including as early as at the time of the purchase request is submitted.

PROPRIETARY INFORMATION & TRADE SECRETS

The material and content accessible from this Website and any other website Company or its affiliates owns, operates, licenses or controls (the “content”) is the proprietary information of Company and its affiliates or the party that provided the Content to us, and Company and its affiliates or such party retains all right, title and interest in the content. Accordingly, the Content may not be copied, distributed, republished, uploaded, posted, rented, leased, distributed, modified or transmitted in any way without the prior written consent of Company and its affiliates, except that you may print out a copy of the content solely for your own personal use. In doing so, you may not remove or alter, or cause the removal or alteration of, any copyright, trademark, trade name, service mark or any other proprietary notice or legend appearing on any of the content. Modification or use of the content, except as expressly provided herein, may violate Company’s and its affiliates’ intellectual property rights or a third party’s rights. Neither title nor intellectual property rights in the content are transferred or licensed to you by these Terms or your access of this Website.

Certain information provided to you by Company or its affiliates through non-public portions of the Website may be confidential or trade secret information. You may use or disclose such information only to the extent necessary for the purposes it was disclosed to you. You may not use the Website to circumvent the terms of any referral agreement or in any other manner that is not consistent with the business purpose of the Website. When reasonable, you must return or destroy such information when you have fulfilled such purpose.

INTELLECTUAL PROPERTY

Company and its affiliates (or the party that provided to Company) are the owner or licensee of all intellectual property rights on the Website (including trademarks, service marks and logos) and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved, and we or those parties retain all rights with respect to such respective marks. In accessing the Website you agree that you will access its contents and use it solely for your personal, non-commercial use. The Website, including its contents, may not be downloaded, copied, reproduced, transmitted, stored, sold or distributed without the prior written consent of the copyright holder. This excludes downloading, copying and/or printing of pages of the Website for personal, non-commercial home use only.

The Company’s name and logo may not be used in any way, including in advertising or publicity pertaining to distribution of materials on this Website, without prior written permission. You are not authorized to use our logo as a hyperlink to this Website unless you obtain our written permission in advance, although we permit you to use certain designated features of the Website to use our logo as a hyperlink for designated purposes. You may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part without our express written consent.

Except as provided below, none of the materials of the Website may be copied, distributed, displayed, downloaded, or transmitted in any form or by any means without the prior written permission of Company and its affiliates or the intellectual property right owner. Unauthorized use of any materials contained on this Website may violate copyright laws, trademark laws, the laws of privacy and publicity, and/or other regulations and statutes. If you believe that any of the materials infringe on any of your intellectual property rights or rights of others, please contact us immediately at the address provided below. Except as expressly provided herein, Company and its affiliates and the third parties reserve all rights with respect to the Materials, and may pursue all legally available options under both civil and criminal laws (and may cooperate with law enforcement agencies) in the event of any violations, including but not limited to the right to terminate accounts of any user who has infringed a third party’s copyright. Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement should be sent to the Designated Agent. ALL INQUIRIES NOT RELEVANT TO THE FOLLOWING PROCEDURE WILL NOT RECEIVE A RESPONSE.

HYPER-LINKS

We may hyper-link from the Website to other websites that are not maintained by, or related to, Company or its affiliates. Such hyper-links are provided as a service to you, and the other websites may not be officially sponsored by or affiliated with this Website or Company and its affiliates. Such other websites are solely responsible for their content. We are under no obligation to maintain any link on this Website and may remove any such link at any time in its sole discretion for any reason whatsoever. Access hyper-links and third party websites at your own risk.

COMPANY AND ITS AFFILIATES MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE CONTENT OF HYPER-LINKED OR THIRD-PARTY WEBSITES. SUCH HYPER-LINKS ARE PROVIDED TO YOU “AS-IS” “WHERE IS,” AND WE SPECIFICALLY DISCLAIM ANY WARRANTIES WITH REGARD TO COMPLETENESS OR ACCURACY OF THESE HYPER-LINKS OR THE WEBSITES THAT ARE HYPER-LINKED TO THIS WEBSITE. THE INCLUSION OF ANY HYPER-LINK TO A THIRD-PARTY WEBSITE DOES NOT NECESSARILY IMPLY ENDORSEMENT BY OR AFFILIATION WITH COMPANY AND ITS AFFILIATES OF THAT WEBSITE.

SOCIAL MEDIA FEATURES

This Website may provide certain social media features that enable you to:

• link from your own or certain third-party websites to certain content on this Website.
• send e-mails or other communications with certain content, or links to certain content, on this Website.
• cause limited portions of content on this Website to be displayed or appear to be displayed on your own or certain third-party websites.

You may use these features solely as they are provided by us and solely with respect to the content they are displayed with and otherwise in accordance with any additional terms and conditions we provide with respect to such features. Subject to the foregoing, you must not:

• establish a link from any website that is not owned by you.
• cause the Website or portions of it to be displayed, or appear to be displayed by, for example, framing, deep linking or in-line linking, on any other site.
• link to any part of the Website other than the homepage.
• otherwise take any action with respect to the materials on this Website that is inconsistent with any other provision of these Terms of Use.

You agree to cooperate with us in causing any unauthorized framing or linking immediately to cease. We reserve the right to withdraw linking permission without notice. We may disable all or any social media features and any links at any time without notice in our discretion.

SUBMISSIONS

You hereby grant to Company and its affiliates the royalty-free, perpetual, irrevocable, worldwide, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display all stories, anecdotes, “Similes,” content, remarks, suggestions, ideas, graphics, inventions, methods, process, algorithms or other information communicated to us through this Website (collectively, the “Submission”), and to incorporate any Submission into other works in any form, media or technology now known or later developed. We may use any submission in our business (including without limitation, for products or advertising) without incurring any liability for royalties or any other additional consideration of any kind, and will not incur any liability as a result of any similarities to the submission that may appear in our future operations. By providing a Submission, you warrant that you have the right to provide the Submission and that all moral rights in the Submission have been waived.

COMPANY AND ITS AFFILIATES CANNOT AND DOES NOT GUARANTEE OR WARRANT THAT ANY FILES AVAILABLE FOR DOWNLOADING FROM THE INTERNET ARE FREE OF VIRUSES, WORMS, TROJAN HORSES OR OTHER CODE THAT MAY HAVE CONTAMINATING OR DESTRUCTIVE PROPERTIES. YOU ARE RESPONSIBLE FOR IMPLEMENTING SUFFICIENT PROCEDURES AND CHECKPOINTS TO SATISFY YOUR PARTICULAR REQUIREMENTS FOR SECURITY, FOR ACCURACY OF DATA INPUT AND OUTPUT, AND FOR MAINTAINING A MEANS EXTERNAL TO THIS WEBSITE FOR RECONSTRUCTING LOST DATA. WE DO NOT ASSUME ANY RESPONSIBILITY OR RISK FOR YOUR USE OF THE INTERNET OR THE WEBSITE.

USE THIS WEBSITE AT YOUR OWN RISK. EXCEPT AS MAY BE EXPRESSLY STATED IN OTHER APPLICABLE TERMS AND CONDITIONS OR SIMILAR AGREEMENT, THE CONTENT IS PROVIDED “AS IS” AND "AS AVAILABLE" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. WE DISCLAIM ALL WARRANTIES INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT ANY FUNCTIONS OR CONTENT CONTAINED IN THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING USE OF THE CONTENT OR RESULTS THEREOF IN TERMS OF ACCURACY, RELIABILITY OR OTHERWISE EXCEPT FOR THE PERSON AND/OR FOR THE USE INTENDED. THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND WE MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT COMPANY AND ITS AFFILIATES, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS WEBSITE OR THE CONTENT. WE MAKE NO WARRANTIES THAT YOUR USE OF THE CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUME NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.

BY ACCESSING THIS WEBSITE, YOU UNDERSTAND THAT YOU MAY BE WAIVING RIGHTS WITH RESPECT TO CLAIMS THAT ARE AT THIS TIME UNKNOWN OR UNSUSPECTED, AND IN ACCORDANCE WITH SUCH WAIVER, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND, AND HEREBY EXPRESSLY WAIVE, THE BENEFITS OF SECTION 1542 OF THE CIVIL CODE OF CALIFORNIA, AND ANY SIMILAR LAW OF ANY STATE OR TERRITORY, WHICH PROVIDES AS FOLLOWS: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR."

The descriptions of products and services contained on this Website are intended to provide a reference guide to the types of products and services offered by Company and its affiliates and are not intended to be relied upon by clients or business partners. Some products and services referenced on this Website may not be available in all areas. Please contact us directly if you wish to obtain specific information concerning the products and services referenced on this Website. All of the information in this Website, whether historical in nature or forward-looking, speaks only as of the date the information was posted on this Website, and we do not undertake any obligation to update such information or to remove such information from this Website, if it is not or is no longer accurate or complete.

LIMITATION ON LIABILITY

TO THE EXTENT PERMITTED BY LAW OR REGULATION, COMPANY AND ITS AFFILIATES, ITS SUBSIDIARIES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS AND DIRECTORS WILL NOT BE LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER DAMAGES, INCLUDING LOSS OF USE, REVENUE OR INCOME, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES THAT RELATES IN ANY WAY TO THE USE OF OUR WEBSITE OR WHICH MAY ARISE OUT OF ANY PERSON'S ACCESS OR INABILITY TO ACCESS THIS WEBSITE OR RELIANCE ON THE INFORMATION CONTAINED ON THIS WEBSITE. TO THE EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE COLLECTIVE LIABILITY OF COMPANY AND ITS AFFILIATES AND ITS SUBSIDIARIES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE GREATER OF $100 OR THE AMOUNT YOU PAID TO COMPANY OR ITS AFFILIATES FOR THE APPLICABLE CONTENT OR SERVICE OUT OF WHICH LIABILITY AROSE. BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES OR JURISDICTIONS, COMPANY’S LIABILITY SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW IN SUCH STATE OR JURISDICTION WHICH YOU HEREBY CONSENT TO.

INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Company and its affiliates, its subsidiaries, licensors, content providers, service providers, employees, agents, officers, directors and contractors (the “Indemnified Parties”) from any breach of these T&C by you, including any use of the content other than as expressly authorized herein, and any claim that your submission violates a third party’s intellectual property or other rights, including the rights of publicity and privacy, or defames a third party. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses and attorneys’ fees of the Indemnified Parties in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of the content and this Website.

INFORMATION YOU PROVIDE

You may not post, send, submit, publish or transmit in connection with the Website any material that:

• you do not have the right to post, send, submit, publish or transmit, including any proprietary material of a third party;
• advocates illegal activity or discusses an intent to commit an illegal act;
• is vulgar, obscene, pornographic or indecent;
• does not pertain directly to the Website;
• threatens or abuses others; or libels, defames, invades privacy or stalks; or is racist, harassing, threatening or offensive;
• seeks to exploit or harm minors or older adults by exposing them to inappropriate content, asking for personally identifiable details or otherwise;
• infringes any intellectual property right or other right of any entity or person, including violating anyone’s copyrights or trademarks, or their rights of privacy or publicity;
• violates any law or may be considered to violate any law;
• impersonates or misrepresents your connection to any other entity or person, or otherwise manipulates headers or identifiers to disguise the origin of the content;
• advertises any commercial endeavor (e.g., products or services) or otherwise engages in any commercial activity (e.g., conducting raffles or contests, displaying sponsorship banners or soliciting goods or services, or any combination thereof) except as may be specifically authorized on this Website;
• solicits funds, advertisers or sponsors;
• includes programs that contain viruses, worms, Trojan horses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software, hardware or telecommunications or any combination thereof;
• amounts to a "pyramid" or similar scheme;
• disobeys any policy or regulations established from time to time regarding use of this Website or any networks connected to this Website; or
• contains hyper-links to other websites that contain content that falls within any description set forth above.

WE RESERVE THE RIGHT TO MONITOR USE OF THIS WEBSITE IN ORDER TO DETERMINE COMPLIANCE WITH THESE TERMS OF USE, AND RESERVES THE RIGHT TO REMOVE OR REFUSE ANY INFORMATION FOR ANY REASON. NOTWITHSTANDING THESE RIGHTS, YOU REMAIN RESPONSIBLE SOLELY FOR THE CONTENT OF YOUR SUBMISSIONS. YOU ACKNOWLEDGE AND AGREE THAT NEITHER COMPANY AND ITS AFFILIATES NOR ANY THIRD PARTY THAT PROVIDES CONTENT TO US WILL ASSUME OR HAVE ANY LIABILITY FOR ANY ACTION OR INACTION BY US OR SUCH THIRD PARTY WITH RESPECT TO ANY SUBMISSION OF YOURS. EXCEPT AS EXPRESSLY PROVIDED HEREIN, COMPANY AND ITS AFFILIATES AND THE THIRD PARTIES RESERVE ALL RIGHTS WITH RESPECT TO THE WEBSITE, AND MAY PURSUE ALL LEGALLY AVAILABLE OPTIONS UNDER BOTH CIVIL AND CRIMINAL LAWS (AND MAY COOPERATE WITH LAW ENFORCEMENT AGENCIES) IN THE EVENT OF ANY VIOLATIONS.

ARBITRATION AND CLASS ACTION WAIVER

PLEASE READ THE FOLLOWING SECTION CAREFULLY BECAUSE IT REQUIRES YOU TO ARBITRATE CERTAIN DISPUTES AND CLAIMS AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF FROM COMPANY. Excluding claims for injunctive or other equitable relief, for all other claims related to the Website, including any goods or services purchased through the Website, any dispute or controversy arising out of or relating to this Agreement, including without limitation, any and all disputes, claims (whether in tort, contract, statutory or otherwise) or disagreements concerning the existence, breach, interpretation, application or termination of this Agreement shall be resolved by final and binding arbitration pursuant to the Federal Arbitration Act and in accordance with the JAMS Inc. Comprehensive Arbitration Rules & Procedures then in effect. There shall be no right or authority for any claims to be arbitrated on a class action basis. The arbitration shall take place in Fairhope, Alabama or at the option of the party seeking relief, by telephone, online, or via written submissions alone; however such election shall not prohibit Company from attending such an arbitration in person. Said arbitration shall be administered by JAMS. The arbitral tribunal (“Tribunal”) shall be composed of one arbitrator, who shall be independent and impartial. If the parties fail to agree on the arbitrator within twenty (20) calendar days after the initiation of an arbitration hereunder, JAMS shall appoint the arbitrator. The arbitration shall be conducted in the English language. The decision of the arbitrator will be final and binding on the parties, subject to all rights of appeal allowed by JAMS. Judgment on any award(s) rendered by the arbitrator may be entered in any court having jurisdiction thereof. The arbitrator shall have the authority to determine arbitrability of any disputes arising out of or relating to this Agreement. Nothing in this Section shall prevent either party from seeking immediate injunctive relief from any court of competent jurisdiction, and any such request shall not be deemed incompatible with the agreement to arbitrate or a waiver of the right to arbitrate. The parties undertake to keep confidential all awards in their arbitration, together with all confidential information, all materials in the proceedings created for the purpose of the arbitration and all other documents produced by the other party in the proceedings and not otherwise in the public domain, save and to the extent that disclosure may be required of a party by legal duty, to protect or pursue a legal right or to enforce or challenge an award in legal proceedings before a court or other judicial authority. The arbitrator shall award all fees and expenses, including reasonable attorney’s fees, to the prevailing party. Any judgment rendered by the arbitrator may be entered in any court of competent jurisdiction.

You may choose to opt out of the agreement to arbitrate by mailing a written opt-out notice (“Notice”) to Company. The Notice must be postmarked no later than thirty (30) days after the date you accept these T&C for the first time. The Notice must be mailed to: Trawick International, Inc., Post Office Box 2284 Fairhope, Alabama USA 36533, to the attention of General Counsel. This procedure is the only mechanism by which you can opt out of the agreement to arbitrate. Opting out of the agreement to arbitrate has no effect on any other parts of this Agreement, or any previous or future arbitration agreements that you have entered into with Company or its affiliates.

GOVERNING LAW

These Terms of Use are governed and interpreted by the laws of Alabama, United States of America notwithstanding any principles of conflicts of law. We make no representation that materials on this Website are appropriate or available for use in other locations. Those who choose to access this Website from other locations do so on their own initiative and are responsible for compliance with applicable local laws.

If you are a consumer, the provisions in these T&C are intended to be only as broad and inclusive as is permitted by the laws of your State of residence. If you are a New Jersey consumer, the terms of “Disclaimer” and “Limitation of Liability” sections above do not limit or waive your rights as a consumer under New Jersey law and the provisions in this Agreement are intended to be only as broad and inclusive as is permitted by the laws of the State of New Jersey. In any event, we reserve all rights, defenses and permissible limitations under the law of your State of residence.

At this Website, Company and its affiliates make no active effort to collect personal information from individuals under the age of eighteen (18). We require that Website users must be of legal age to enter into agreements (typically, at least eighteen (18) years of age or older).

NOT A SECURITY OFFER

The information contained on this Website is not an offer to sell or a solicitation to buy any security. No security is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction.

SEVERABILITY

If any part of the T&C is unlawful, void or unenforceable, that part will be deemed deleted and will not affect the validity and enforceability of any remaining provisions. The waiver of a breach of any provision of the T&C by a party will not operate or be construed as such party’s waiver of any other or subsequent breach. The T&C constitute the entire agreement between you and Company and its affiliates relating to this subject matter. Notwithstanding the foregoing, any additional terms and conditions on this Website will govern the items to which they pertain.

EMPLOYMENT OPPORTUNITIES

Company and its affiliates are an equal opportunity employer, dedicated to a policy of non-discrimination in employment on any basis including race, color, age, sex, religion, disability or national origin. Consistent with the American Disabilities Act, applicants may request accommodations needed to participate in the application process.

For further information, or inquiries about the T&C, please contact:

Trawick International, Inc. Attn: General Counsel Post Office Box 2284 Fairhope, Alabama USA 36533 Toll Free: (888) 301-9289

NOTICE AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT

NOTE: THE FOLLOWING INFORMATION IS PROVIDED EXCLUSIVELY FOR NOTIFYING THE SERVICE PROVIDERS REFERENCED BELOW THAT YOUR COPYRIGHTED MATERIAL MAY HAVE BEEN INFRINGED. ALL OTHER INQUIRIES WILL NOT RECEIVE A RESPONSE THROUGH THIS PROCESS.

Pursuant to Title 17, U.S. Code, Section 512(c)(2), written notification must be submitted to the following Designated Agent/Service Provider:

Trawick International, Inc. Fairhope, Alabama USA 36533

Name of Agent Designated to Receive Notification of Claimed Infringement: Daryl Trawick

Full Address of Designated Agent to Which Notification Should be Sent: Post Office Box 2284 Fairhope, Alabama USA 36533

Telephone Number of Designated Agent: (888) 301-9289

To Be Effective, the Notification Must Include the Following:

• A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
• Identification of the copyrighted work claimed to have been infringed, or if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;
• Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material;
• Information reasonably sufficient to permit the service provider to contact the Complaining Party, such as an address, telephone number, and if available, an electronic mail address at which the complaining party may be contacted;
• A statement that the Complaining Party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
• A statement that the information in the notification is accurate, and under penalty of perjury, that the Complaining Party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

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WorldTrips — MIS Group is a full service organization offering a comprehensive portfolio of international group health and travel medical insurance products designed to address the insurance needs of travelers worldwide. Backed by the insurance industry's highest available financial ratings, WorldTrips participates in more than 100 classes of Specialty Insurance. Every day from offices across the United States and in the United Kingdom, Spain, and Ireland, our 2,000 employees apply a unique understanding of risk and a passion for underwriting.

History of WorldTrips — MIS Group

WorldTrips – MIS Group (HCC Medical Insurance Services, HCCMIS®) was established in 1998 in Indianapolis, IN. We were among the first to make insurance products and services available via the internet. Our customers can review coverage options, obtain quotes, purchase insurance and receive their insurance documents – all electronically, without human intervention, 24 hours a day. Today, many thousands of international insurance professionals host our electronic tools on their websites, and this number continues to grow. We currently offer health and life insurance to customers in over 130 countries.

In June 2015, HCC Medical® was acquired by Tokio Marine Holdings Inc. The acquisition allows Tokio Marine - HCC Medical Insurance Services Group to expand its reach in the international community. WorldTrips is a leading specialty insurance group with offices in the United States, the United Kingdom, Spain, and Ireland, transacting business in approximately 180 countries, and underwriting more than 100 classes of specialty insurance. WorldTrips products and capabilities set the standard for the industry, and many of the Company’s almost 2,500 employees are industry-leading experts. WorldTrips is rated "AA- (Very Strong)" by Standard & Poor's and "AA- (Very Strong)" by Fitch Ratings. In addition, WorldTrips’s major domestic insurance companies are rated "A++ (Superior)" by A.M. Best Company.