Student Travel Insurance – All You Need to Know

Student travel insurance helps you and your family enjoy the trip of a lifetime. It can protect against unforeseen emergencies, such as medical costs and lost or delayed baggage, so you can focus on your purpose there. The most significant advantage of student travel coverage is that it protects against unforeseen events that may occur while traveling abroad. This policy covers emergency medical care if something goes wrong during your trip.

If you’re getting ready for an Inter-railing escapade, a gap year experience, or a short getaway to a European city, having student travel insurance is absolutely crucial. This type of insurance can provide financial protection in case of a medical crisis, if your luggage goes missing, or if you have to unexpectedly cancel your travel plans.

It is highly recommended for International students to obtain student travel insurance before embarking on their journey, so as to cover any unforeseen medical or travel-related expenditures that may arise while studying abroad. In many circumstances, student travel coverage is required to apply for a visa or enroll in a university. Read along to find out all you need to know and do about Student Travel Insurance.

What is Student travel insurance?

Student travel insurance specifically provides support while you’re pursuing your education overseas. It acts as a protective shield against unexpected issues such as unexpected medical expenses and the unfortunate event of misplacing or having your luggage delayed. This means you can focus wholeheartedly on your academic journey without unnecessary distractions. This insurance offers a sense of security, ensuring that even if things don’t go as planned during your time abroad, you won’t be burdened with hefty medical bills or the cost of replacing lost belongings due to unforeseen circumstances.

If you are looking for where to get students travel insurance, try INSURETOSTUDY. insure To Study insures your stay abroad, simple and fast. In five minutes you can take out the insurance online and immediately receive your preliminary policy by e-mail. Afterwards you receive your insurance card. Students make it easy for themselves!

What does student travel insurance cover?

Student travel insurance policy should cover the following at a minimum:

  • Medical expenses and repatriation
  • Personal liability
  • Cancellation or curtailment (having to cut short your trip). Make sure this section of the policy covers the total cost of your trip or more
  • Lost or stolen baggage
  • Lost or stolen cash
  • Delay cover.

Note that, if you’re planning on taking part in extreme sports, or other sporting activities, it’s worth checking what is covered as standard.

Recommended: 10 Best Life Insurance to Use for Seniors in 2023

Benefits of Student Travel Insurance

Student travel insurance offers several valuable benefits that can provide peace of mind during your academic journey abroad. Some of the key advantages include:

  • Medical Expenses Coverage: The travel insurance typically covers medical expenses arising from illnesses or accidents, ensuring you receive proper healthcare without financial burden.
  • Emergency Evacuation: In case of a medical emergency, the insurance can cover the costs of evacuating you to a medical facility or back to your home country for treatment.
  • Trip Cancellation and Interruption: If your study plans get disrupted due to unforeseen events like illness, family emergencies, or travel restrictions, the insurance can help recover non-refundable costs.
  • Baggage and Personal Belongings: Coverage for lost, stolen, or damaged baggage and personal items helps you replace essential belongings, ensuring minimal disruption to your studies.
  • Accidental Death and Disability: In unfortunate events, insurance may provide financial support to your family or cover expenses if you become disabled during your studies.
  • Legal Assistance: If you face legal issues in a foreign country, student travel insurance might offer legal support and advice.

Where Can You Get Student Travel Coverage

Student travel insurance can be obtained from various insurance providers, both local and international. Many universities also partner with insurance companies to offer comprehensive coverage for their students studying abroad. It’s essential to research and choose a reputable insurance provider that meets your specific needs and the requirements of your host country.

Cost of Student Travel Coverage

The cost of student travel coverage varies based on factors like your destination, duration of stay, coverage limits, and the level of protection you choose. Generally, the premium can be a percentage of the total trip cost or a fixed fee. While the cost may seem like an additional expense, the benefits far outweigh the investment, especially considering potential healthcare expenses and unforeseen disruptions.

Things to Note When Buying a Student Travel Plan

Coverage Details: Carefully review the coverage offered by the insurance plan. Ensure it includes essential elements such as medical coverage, emergency evacuation, trip interruption, and baggage protection.

Pre-Existing Conditions: Understand how pre-existing medical conditions are addressed by the insurance. Some plans may provide limited coverage or exclude certain conditions.

Policy Limits: Be aware of coverage limits, deductibles, and any restrictions on specific activities or destinations.

Claim Procedures: Familiarize yourself with the claim filing process, required documentation, and the time frame for claims processing.

Duration and Renewal: Determine whether the insurance covers the entire duration of your studies or requires renewal. Some plans offer the flexibility to extend coverage if needed.

Exclusions: Take note of any activities, situations, or regions that are excluded from coverage.

Investing in student travel insurance is a prudent step to ensure a smooth and secure educational experience abroad. Thoroughly research your options, understand the coverage, and choose a plan that aligns with your needs and circumstances.

Eligibility Criteria for Student Travel Insurance

If you are asking the question of who is eligible for a student travel plan; here is all you need to know.

  • You are a student who is studying or taking a course at a university or school in another country.
  • You are doing an internship with a corporation in another country (paid or unpaid).
  • You are participating in an international vocational training program.
  • You are participating in a working holiday program.
  • You are an international volunteer.
  • You work as an “au pair” in another country.

The specific eligibility conditions vary depending on the firm from which you purchase the plan. Furthermore, there is an age limit beyond which you are no longer eligible for this travel insurance (usually 30 or 35).

Differences between Student travel insurance and International Student Health Insurance

Student travel insurance and international student health insurance are two types of insurance coverage designed to address the needs of students studying abroad. However, they serve different purposes and provide varying levels of coverage. Here are the key differences between the two:

1. Purpose and Coverage Focus:

  •   Student Travel Insurance: This type of insurance primarily focuses on providing coverage for unexpected events that might occur during travel, such as trip cancellations, lost baggage, flight delays, emergency medical expenses, and personal liability. It is suitable for students who are planning short-term trips or vacations abroad.
  •  International Student Health Insurance: This type of insurance is specifically designed to cover the medical and health-related needs of international students studying abroad. It provides comprehensive coverage for medical expenses, hospitalization, prescription drugs, doctor’s visits, and other healthcare services. It is essential for students who will be studying abroad for an extended period.

2. Duration of Coverage

  • Student Travel Insurance: Typically offers coverage for a short duration, usually for the duration of the trip or vacation.
  • International Student Health Insurance: Provides coverage for a more extended period, often matching the duration of the student’s academic program or visa.

Medical Coverage:

  •   Student Travel Insurance: While it may include some medical coverage for emergencies or accidents, its primary focus is not on comprehensive medical care. Medical coverage may be limited and may not provide long-term health support.
  • International Student Health Insurance: Offers comprehensive medical coverage, including preventive care, routine check-ups, vaccinations, and ongoing medical treatment for chronic conditions. It ensures that students have access to quality healthcare during their entire stay abroad.

Cost and Premiums:

  •  Student Travel Insurance: Generally, travel insurance premiums are lower than international student health insurance premiums since the coverage is more limited in scope and duration.
  • International Student Health Insurance: Premiums for health insurance are typically higher due to the comprehensive and longer-term coverage it offers.

Visa and University Requirements:

  • Student Travel Insurance: Some countries or universities may require students to have travel insurance as a condition of entry or enrollment, but it is often less stringent in terms of coverage requirements.
  •   International Student Health Insurance: Many countries and universities have specific health insurance requirements for international students, which may include a minimum level of coverage for medical expenses and other healthcare services.

Student travel insurance is more focused on providing coverage for unforeseen events during travel. It’s important for students to carefully review the coverage details, terms, and conditions of each type of insurance before making a decision based on their individual circumstances and needs.




What is student travel insurance and its importance?

Student travel insurance helps you and your family enjoy the trip of a lifetime. It can protect against unforeseen emergencies, such as medical costs and lost or delayed baggage, so you can focus on your purpose there. The most significant advantage of student travel coverage is that it protects against unforeseen events that may occur while traveling abroad. This policy covers emergency medical care if something goes wrong during your trip.

What is necessary in travel insurance?

Your travel insurance should always include the following cover: medical expenses and cover for getting you home if you’re injured or fall ill abroad. personal injury and cover for accidents or damage caused by you. It cover for lost or damaged items.

What is usually covered by travel insurance?

Comprehensive travel insurance

The comprehensive policy usually covers delays, cancellation due to sickness or death, lost luggage and some emergency medical costs.

Do you need a paper copy of travel insurance?

No, it’s not essential to take copies of your travel insurance documents with you. It’s always a good idea to have a copy in your bag or on your phone. More importantly save the link to our travel claims hub so you can report a claim to us online 24 hours a day 7 days a week.

Is travel insurance mandatory for Canada student visa?

International students in Canada are required to obtain health insurance for the duration of their stay in Canada. Certain provinces offer provincial health coverage to certain international students, either for free or for a premium. In these cases, international students are usually required to apply to the province.

What is the importance of travel plan?

Planning a trip in advance gives everyone time to thoughtfully consider where they’d like to go and what they’d like to experience, as well as what their ideal time frame is for traveling. The same applies even if you’re planning travel in advance for just yourself.

How do I use my travel insurance?

Travel insurance works like most insurance policies. You purchase coverage for a period of time to protect against certain risks. When a covered event occurs, you file a claim with the insurance company to request payment or reimbursement for financial losses.

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