Student Travel Insurance

Having insurance for any vital thing in your life is, well, important. No questions asked. It could be your life, a vehicle you love so much, your house that you bought with a lot of struggle, or your studies, especially if you are travelling abroad to pursue higher education. 

Imagine jetting off somewhere far away with a life full of hopes and dreams to make it big, to live your life to the fullest and make the most of your youth, getting your phone swiped off, losing your important documents, missing a flight or even falling sick. Not something you’d want to face, especially without insurance.

That’s where student travel insurance enters. Read our guide to learn more about its inclusions and exclusions and why it’s vital.

As the title says, it’s mandatory. Several countries across the globe have it as a mandatory requirement to even apply for a visa. Just in the case of European countries, the minimum required coverage is €30,000 for medical expenses.

Not just embassies, but some universities might also require you to have student travel insurance to study on their campuses.

Medical: Due to the nature of their economies, medical costs are generally unbearable without insurance. If you were to get sick, more often than not, travel insurance is what saves your day.

Emergency Evacuation: In case of a serious medical complication or a civil situation that demands evacuating the country, students with insurance covering evacuation can get back home safely.

Trip Cancellation or Interruption: In a student's life, everything follows a schedule. But events that disrupt can pop up at any moment, such as flight cancellations or delays, which are what travel insurance covers.

Lost or Stolen Belongings: The risk of losing one's luggage is something that every student carries. So, having student travel insurance for stolen or lost baggage is important. 

Personal Liability Coverage: Nobody wants to cause damage to others willfully. But accidents do happen, and sometimes you could be the one who causes them. In such cases, to save you from severe financial burdens and legal costs, student travel insurance is the only way out.

Academic Interruption: You will spend a hefty amount on tuition fees to make your dreams come true. But there could be some reasons why you may have to cut your trip short and go home. If you happen to have insurance that covers your reasons, you’ll save yourself from losing those academic expenses.

Natural Disasters: In life, nothing is certain. So, unforeseen natural disasters such as earthquakes, floods, or hurricanes can disrupt travel plans anytime. But dealing with the unexpected is what international student travel insurance excels at. 

Travel Assistance Services: If you are someone who’s travelling for the first time and feels like you may need additional assistance once you reach your destination, do not forget to get yourself a student travel insurance that offers assistance services. These policies offer 24/7 emergency assistance services, providing support for issues like language barriers, finding local healthcare providers, or assistance in case of lost travel documents.

Legal Assistance: When studying abroad, considering legal hardships is a must. We’ll never know what turn life takes, and if it’s a legal one, travel insurance can provide coverage for legal expenses, ensuring students have the necessary support in unfamiliar legal systems.

Adventure Activities Coverage: What’s life if there’s no adventure in it? Especially a student's life! After all, it’s part and parcel of your overseas odyssey. And for those who are planning to take the risky route, it is compulsory to have coverage that enables you to take part in an adventure. 

Peace of Mind for Parents: After everything is said and done, a parent's most important worry is their child’s safety. So, travel insurance student provides parents with peace of mind, knowing that their children are financially protected in case of emergencies while studying in a foreign country.

When students buy travel plans, they usually have to meet certain requirements before they can get the benefits. In most cases, it's open to students between the ages of 12 and 40 who are registered at a recognised school.

To get the insurance, students might have to:

There may also be specific eligibility requirements set by some insurance companies based on the length of your trip, the country of your location, and any medical conditions that you already have. To make sure you meet the requirements and can use the benefits of the student travel plan, carefully read over the policy terms and enrollment requirements.

Here’s a list of all the documents you’ll need to get your student travel insurance:

While most policies come with a pretty solid list of coverages, few are generally not covered. Below is a table that’ll give you a rough idea.

Due to digitisation, it’s pretty easy to file a claim if you need to. Here are the steps you need to take:

Getting student travel insurance is the most important thing you can do to make sure your school trip abroad is safe and stress-free. Insurance like this gives students and their families peace of mind because it covers things like medical situations, lost belongings, and travel problems. By knowing what you need for your study abroad and picking the right insurance, you can focus on your studies, knowing they are covered in case something unexpected comes up during your exciting academic adventures.