Student Travel Insurance – A Complete Guide

The excitement and the nervousness kick in the moment you think about studying abroad. In the beginning, it feels like a far-fetched dream but as the preparations begin, the reality snaps in. You have to maintain a huge checklist of things that you’d need when you land. And once you’ve landed on the other side, you’ve to be a lone wolf. Hence, it is better to be insured in advance to build a secure foundation for your future. Among the essential things on the checklist is Student Travel Insurance. 

Every international student must have travel insurance just in case. If you don’t have much information about the same, you’ve landed in the right place. In this guide, we have covered all the necessary mentions of insurance for you to refer to.

An Overview of Student Travel Insurance

There are many companies that offer international student travel insurance and hence there are tons of plans to choose from. Now, before selecting the best policy for your foreseeable future abroad, you must know the criteria of the policy and what is exactly covered in it. 

The eligibility criteria of the travel insurance policy state that –

• The applicant must be between 16-35 years of age. 
• Each applicant is eligible for only one travel insurance per course. 
• The applicant must be enrolled in a prominent and registered institution on a full-time basis. 
• There are certain universities that have made travel insurance a must. To apply for one, you need to have the following – 

1. Proposal Form 
2. Unconditional Offer Letter from the University 
3. Photocopy of a valid Passport 
4. Photocopy of the Visa

Now that you know about the eligibility criteria, we can proceed further to learn the terms of the student travel insurance policy. 

Below, we have mentioned the list of factors covered under the policy. The factors included in the policy are as follows.

• Medical Expenses 
• Travel-Related Issues
• Miscellaneous Issues 

Medical Expenses

the expenses covered in the policy to understand it correctly. The medical expenses insured under the student travel insurance are as follows.

• The insurance covers the expenses of any accident or injury inflicted upon the applicant or for accidents that cause permanent disability. 
• In an unfortunate scenario, if the insured were to suffer a critical condition or an untimely death, the policy covers the costs incurred during transporting the insured or the belongings to their respective country. 
• The policy insures the applicant in case of dental care. 
• Interruptions in the applicant’s academic progress due to a medical emergency are also covered under the policy. 
• Similarly, if the family members of the insured were to visit, the traveling cost shall also be covered. However, the applicant must be hospitalized for over a week.

Travel-Related Issues

Coming to the travel-related issues covered in the policy, they are mentioned below. –

• The policy covers the cost incurred to the insured in case the passport is lost. 
• Compensates for the loss of registered baggage or luggage. 
• It also insures the applicant if the flight is delayed or canceled due to a valid reason.

Miscellaneous Issues

Under the miscellaneous expenses, the policy secures the applicant from unforeseen incidents that might occur on the foreign land. Read further to know more.

• If the applicant causes damage to a person or property, the policy will cover the expenses. 
• In case the applicant is arrested overseas for a bailable offense, the bail amount shall be transferred to the concerned authorities. 
• If the applicant were to pass away during the semester, the remaining fees shall be refunded to the family, guardian, or sponsor of the insured.

These were the points that are included in the student travel insurance. Now, learn about the exceptions of the factors in the travel insurance for students studying abroad. 

International Student Travel Insurance Exception

Here we have mentioned the terms that are not included in the student travel insurance. Kindly go through them to avoid any further confusion on your end.

• If the applicant has a pre-existing medical condition, it won’t be covered under the policy. 
• In case the applicant ignores the physician’s caution regarding traveling to a certain area, the consequences will not be insured. 
• Any kind of sexually transmitted disease isn’t insured. 

• The terms of the policy will not apply if the applicant is serving in the Military services. 
• If the applicant is arrested for a non-bailable offense, the terms won’t be applied. 
• In case the applicant is addicted to an intoxicating substance, the expenses won’t be insured. 
• If the loss is incurred due to war, political unrest in the country, or invasion of foreign forces, the expenses won’t be covered under the policy. 
• Loss of life or damage inflicted under radioactive radiation won’t be covered in the policy.

Now that you’ve learned about the policy, you can proceed with planning your secured future by choosing the best student travel insurance. 

No matter how prepared you are, you always have some last-minute queries lingering in your mind. To help you solve those queries, we have answered some frequently asked questions about study abroad travel insurance.

FAQs Related To Student Travel Insurance

1.Does the student travel insurance policy serve a student attending a short course abroad? 

The policy covers a student traveling abroad from a minimum period of 30 days to a maximum period of 2 years. 

2.Does the policy cover the expenses incurred due to COVID-19? 

Yes. However, you have to specify that before you pick your policy. 

3.What if the student couldn’t travel and missed the start date of the policy? 

You can cancel the policy at any time and issue a full refund. Though you have to share the necessary documents with the policy provider as evidence.