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A Quick Guide To Student Travel Insurance

Student Travel Insurance

If you want to study abroad, you must start planning right away, such as applying to the right college/university, selecting the right accommodation, making travel plans, applying for a visa, and so on. However, students and parents frequently overlook one of the most important aspects of studying abroad: ‘Student Travel Insurance.’

When you plan to study abroad, planning to buy the right travel Insurance plan should be your primary concern. This article is your one-stop shop for everything you need to know about international Student Travel Insurance Plans.

What Is Student Travel Insurance? 

Travelling and living in a foreign country can be an overwhelming and difficult experience, especially for first-timers. Studying abroad comes at a high cost in terms of living expenses and unforeseen situations, and navigating a new environment can be challenging. As a result, purchasing Student Travel Insurance is the best way to protect yourself.

An international Student Travel Insurance policy is designed specifically for students travelling abroad to further their education. As a result, it covers expenses such as hospitalization due to a medical emergency caused by an illness or accident, flight and baggage delays, study interruptions, and so on. Because the policy is designed for students, the premiums are significantly lower than those for regular health insurance or travel insurance.

Student Travel Insurance

Who Can Take The Insurance Policy? 

  • In general, anyone between the ages of sixteen and thirty-five is eligible to apply.
  • He/she must be enrolled in a course at a recognised educational institution of higher learning and be attending classes full-time in a foreign country.
  • For the duration of the policy, each student may only have one student travel insurance policy.

Benefits And Features Of The Travel Insurance Policies 

  • Covers a variety of expenses, including baggage loss, hospitalisation, family visits, accidents to sponsors, and other incidentals

Comprehensive coverage options include 

  • Interrupted study
  • Bail bonds are available
  • Two-way flight coverage for a sympathetic visit from family
  • Sponsor defence

What Is Covered Under A Student Plan Of Travel Insurance? 

While Student Travel Insurance coverage varies by insurer, it typically covers the following expenses:

  • Medical expenses incurred while abroad as a result of illness or accident
  • A medical emergency evacuation to India is being planned
  • In the event of the insured’s untimely death, the policy will cover the costs of transporting the mortal remains to India or the costs of cremation abroad
  • Acute dental care as a result of an injury
  • Personal accident insurance pays a lump sum to the insured or nominee in the event of permanent disability or death
  • Compensation for long-term disability or accidental death while riding in a public transportation vehicle
  • The cost of obtaining a new passport in the event that one is lost or misplaced
  • Compensation for checked baggage loss while travelling on a common carrier
  • Loss of personal belongings such as a phone, laptop, bank debit and/or credit cards, licences, and so on while travelling on a common carrier
  • Flight delays or cancellations are compensated
  • In the event that the insured is admitted to the hospital for more than a week, reimbursement for a family member’s sympathetic visit is provided
  • Coverage for any detention or arrest by judicial authorities while abroad for a non-international and bailable offence
  • Settlement of semester fees in the event that the semester is interrupted due to a medical case of emergencies
  • Any emergency medical expenses, including transportation and evacuation, as well as the repatriation of mortal remains
  • Tuition fee reimbursement if the guardian or parent who was sponsoring the education dies in an accident

Exclusions Applicable To The Policies Of The Student Insurance

Exclusions in Student Travel Insurance plans vary depending on the insurer. The following are the most common exclusions from the travel insurance policies:

  • While most Student Travel Insurance plans do not cover pre-existing diseases and illnesses, some insurance firms have begun to offer coverage of up to 5% to 10% of the total sum insured
  • The policy does not cover any unregistered pre-existing diseases
  • Loss or damage caused by the theft or loss of baggage, passports, or personal belongings that are not reported to local police authorities within 24 hours of the occurrence
  • Any self-inflicted injury or suicidal attempt caused by a mental disorder, hypertension, depression, stress, venereal diseases, or intoxication from alcohol or drugs
  • HIV/AIDS and other sexually transmitted diseases
  • Expenses for medical treatment incurred if insured travel against the doctor’s advice
  • If the insured is travelling specifically to receive medical treatment in another country
  • Expenses incurred for a disease that has already been treated
  • Expenses incurred for medical treatment for a medical condition with a terminal prognosis
  • Any claim arising from a breach of security and the law of the land
  • Any claim arising from acts of war, invasion, rebellion, terrorism, military exercises, and so on
  • Any claim arising from participation in risky sports or games, such as parasailing, paragliding, bungee jumping, skiing, scuba diving, rock climbing, and so on
  • Any claim arising from an accident involving radiation, nuclear waste, aircraft pressure waves, and so on
  • Holistic care is provided in long-term institutions such as rehabilitation centres and convalescent homes


Purchasing travel insurance for students studying overseas will secure you against financial losses resulting from any untoward event while studying abroad. Make certain that you thoroughly compare different policies and purchase the policy that best suits your needs.


What are the requirements for purchasing student travel insurance?

  • Indian students between the ages of 18 and 35 are eligible for the insurance policy. The age requirement varies depending on the insurance company. Simply put, if you are going to study abroad, you are eligible for a student plan.

How will international student travel insurance help?

  • You are covered for your health, travel, and education abroad if you have an overseas student travel insurance plan. It is a safety net that protects you in the event of an unexpected monetary loss and includes many benefits such as a common carrier delay, daily hospital cash allowance, loss of baggage and personal belongings, study interruption, and so on.

Is travel insurance necessary for students?

  • Yes, in some cases. Certain international universities require students to have travel/health insurance. Purchasing such a policy in India allows you to save money on premiums while also providing you with peace of mind while studying abroad.

Is it really necessary to purchase travel insurance?

  • Though travel insurance may cost 5 to 10% of your trip cost, it is often worth the investment because it has the potential to reimburse you for hundreds of thousands of dollars in covered travel-related expenses such as emergency evacuation, medical bills, and trip cancellation costs.

Is it legal to travel without insurance?

  • While travel insurance is not a legal requirement for drivers, a good travel insurance policy can help to protect your vacation, your belongings, and yourself if something goes wrong.

We hope that this guide on ‘Student Travel Insurance’ has helped you resolve all your queries, you can also read some of our blogs:

A Complete Guide To Student Housing In Liverpool

A Complete Guide To Student Housing In Manchester

An Overview Of The Cost Of Living In Australia 

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Student Travel Insurance

A Quick Guide To Student Travel Insurance

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