What To Check Before Buying Student Insurance (Travelers Insurance) For Travelling Abroad?

Updated on: 2023-10-20 - 5 mins read
What To Check Before Buying Student Insurance (Travelers Insurance) For Travelling Abroad?

When planning to study abroad as a student, it's crucial to be well-informed about student travel insurance policies. Many educational institutions not only recommend but also require students to have comprehensive travel insurance coverage for the entire duration of their studies overseas.

The preparation process for sending a child to study abroad can span several months and involve numerous tasks, such as obtaining prospectuses, filling out application forms, pursuing scholarships, taking exams, estimating expenses, and booking flights. Amid these tasks, arranging for insurance coverage can often be overlooked or pushed down the priority list.

Countries renowned for global education, such as the UK, the US, Australia, New Zealand, and Canada, continuously attract international students throughout the year. However, before embarking on a journey to any of these prominent international education hubs for higher education, having a thorough understanding of student travel insurance is of utmost importance.

Key Points:

  • Student travel insurance is crucial when studying abroad, often recommended or required by educational institutions.
  • Understanding coverage needs, policy duration, destination, age, and eligibility is vital when choosing a student travel insurance policy.
  • Key features of student travel insurance include medical coverage, emergency evacuation, trip interruption, and assistance services.
  • To save on premiums, compare insurance providers, tailor coverage to your needs, and seek out student discounts.
  • Student travel insurance covers medical expenses, accidental death, study materials, and offers extensions and emergency assistance, with exclusions for self-inflicted injuries, illegal activities, and losses due to negligence.

What Is Student’s Travel Insurance?

Student travel insurance is a policy designed to provide coverage and protection to students traveling abroad for educational purposes. This insurance is specifically tailored to meet the unique needs of students studying in foreign countries and typically offers a range of benefits and coverage options.

Suppose you're heading overseas for higher education. In that case, securing the best student insurance plan is essential to safeguard yourself against the financial risks of unexpected or unfortunate events. Student travel insurance is a specialized policy crafted to cater to the unique needs of students studying abroad, offering various benefits and coverage options.

Things To Keep In Mind Before Buying Student's Travel Insurance

Before purchasing student travel insurance, there are several important factors and considerations to remember to ensure that you choose the right policy for your needs. Here are some key things to consider:

  • Coverage Needs: Determine the specific coverage you need. Consider medical coverage, trip cancellation and interruption, baggage loss, and personal liability. Your coverage requirements may vary depending on your destination and personal circumstances.
  • Policy Duration: Check the duration of coverage. Make sure the policy covers your entire period of study abroad, including any breaks or holidays you plan to spend in your home country.
  • Destination: Confirm that the insurance policy covers your destination country. Some guidelines have geographical limitations or may exclude coverage for some high-risk regions.
  • Age and Eligibility: Ensure you meet the age and eligibility requirements specified by the insurance provider. Some policies have age restrictions, and eligibility may depend on your student status and educational institution.

Eligibility Of Getting A Student's Travel Insurance

  • Student Status: You typically need to be a student to be eligible for student travel insurance. This includes high school, undergraduate, graduate, or vocational students pursuing full-time or part-time education.
  • Age: Many student travel insurance policies have age restrictions, often covering individuals between 16 and 35 years old. Some providers may offer approaches for older students as well.
  • Visa or Study Permit: You may need the appropriate visa or study permit for your destination country to be eligible for student travel insurance.
  • Citizenship/Residency: Your eligibility may depend on your citizenship or residency status. Some policies are available only to students of certain nationalities or residents of specific countries.

Key Features Of Student's Travel Insurance Policy

  • Medical Coverage: Provides coverage for medical expenses incurred due to illness or injury while studying abroad. This can include doctor's visits, hospitalization, surgery, prescription medications, and emergency medical evacuation if necessary.
  • Emergency Medical Evacuation: This covers the cost of emergency evacuation to the nearest suitable medical facility in case of a severe illness or injury that cannot be treated locally.
  • Trip Cancellation and Interruption: Reimburses non-refundable trip expenses if the insured student has to cancel or interrupt their trip due to covered reasons, such as a family emergency or illness.
  • Baggage and Personal Belongings: Provides coverage for the loss, theft, or damage of luggage and personal belongings during the trip.
  • Emergency Assistance Services: Offers 24/7 access to a helpline for emergency assistance, including medical advice, legal support, and help with lost travel documents.
  • Dental Coverage: This may include coverage for dental emergencies and treatments abroad.

Tips To Save On Student’s Travel Insurance Premium

  • Shop Around: Don't settle for the first insurance policy you come across. Compare quotes and coverage from multiple insurance providers to find the best deal. Use online comparison tools or consult with an insurance agent for assistance.
  • Choose the Right Coverage: Tailor your coverage to your specific needs. If you don't require certain types of coverage, such as trip cancellation or baggage insurance, consider excluding them to reduce your premium.
  • Student Discounts: Look for insurance providers that offer discounts specifically for students. Some insurers offer students lower rates because they understand student travelers' unique needs and budget constraints.

Inclusions Of Student’s Travel Insurance

  • Medical Expenses: Coverage for medical expenses incurred due to illness or injury while studying abroad. This includes doctor's visits, hospitalization, surgery, prescription medications, and emergency dental treatment.
  • Accidental Death and Dismemberment: Provides a benefit in case of accidental death or the loss of limbs or sight due to an accident while abroad.
  • Study Materials and Laptop Coverage: Some policies cover the loss or theft of study materials, textbooks, and laptops used for educational purposes.
  • Extension of Coverage: Policies often allow for extensions if your study period is longer than planned.
  • Emergency Assistance Services: Access to a 24/7 helpline for emergency assistance, including medical advice, legal support, and help with lost travel documents.

Exclusions Of Student’s Travel Insurance

  • Self-Inflicted Injuries: Injuries or illnesses that result from self-inflicted harm, suicide attempts, or drug or alcohol abuse may not be covered.
  • Illegal Activities: Injuries or losses resulting from unlawful activities or participation in criminal acts are typically excluded from coverage.
  • Losses Due to Negligence: Losses that result from negligence on the part of the insured, such as leaving belongings unattended and subsequently stolen, may not be covered.
  • Pre-Existing Travel Conditions: Travel-related issues or delays unknown or foreseeable when purchasing the policy, such as strikes, natural disasters, or travel advisories, may be excluded.

How To Claim Student’s Travel Insurance?

  • Contact your insurance provider immediately to report any losses related to your claim. You can achieve this by dialing their helpline number or emailing.
  • If an unforeseen accident or sudden illness occurs, making it impractical to notify the insurer well ahead of time, reach out to your insurance provider as expeditiously as possible.
  • If deemed necessary by your insurance provider, you may be required to undergo a medical examination, a cost typically covered by your insurer.
  • Today, the process of filing a claim for most student travel insurance policies can be conveniently completed online or via a dedicated mobile application.

Student’s Travel Insurance Cancellation Procedure

  • Contact the insurance provider's customer service or contact them through their designated channels.
  • When you contact the insurance provider, be ready to provide your policy number, personal information, and the reason for the cancellation.
  • State your intention to cancel the policy and explain the reason for doing so.
  • Inquire about the refund process and the amount you can expect to receive. Some insurance policies have a cooling-off period during which you can cancel and receive a full refund, while others may have a sliding scale for refunds based on the timing of cancellation.
  •  Follow the cancellation procedures as instructed by your insurance provider.
  • Once the cancellation is processed, request confirmation in writing or via email. This confirmation should include details of the cancellation, any refund amounts, and the effective date of cancellation.
  • Be aware of any cancellation fees that may apply. Some policies may have non-refundable fees or administrative charges for canceling.


Student travel insurance is optional, but numerous international universities, particularly those in Canada and Germany, have instituted compulsory travel insurance requirements for all students.

It is crucial to verify the insurance prerequisites with your specific university, as some institutions may recommend purchasing insurance policies directly from them. Therefore, exercise prudence in selecting your insurance provider and ensure you obtain student travel insurance before embarking on your journey abroad.

Related Blogs

Is Your Money at Risk? Safeguard Your Global Finances with
Sending money internationally online is a convenient and efficient way to transfer
Views 2
Are Your Foreign Funds at Risk? Unveiling the RBI's Repatriation
The Reserve Bank of India (RBI), India's central banking institution, has recently
Views 2
H-1B Lottery Non-Selected Applicants: Don't Give Up on Your Dreams,
Day 1 CPT (Curricular Practical Training) is a program offered by some
Views 2
A Comprehensive Guide To the Understanding of Remittance: Definition, Types,
There are two main types of remittances: formal and informal. Formal remittances
Views 2