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The Best Travel Insurance for Students

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Table of Contents

What does travel insurance for students cover?

How much does travel insurance for students cost, travel guard: best for budget travelers, world nomads: best for adventurers, allianz: best for premier travel benefits at a lower cost, geoblue navigator for students: best study abroad health insurance, more tips for purchasing study abroad travel insurance.

If you’re a student who’s planning to travel internationally or study abroad, it’s a good idea to go prepared with comprehensive student travel insurance. But where do you find plans tailored to your unique needs?

These companies offer some of the best options for travel insurance for students, whether you’re globe-trotting for a week, a semester or a whole year.

Student travel insurance can vary from plan to plan. But there are a few things you should look for whether you’re an exchange student, studying abroad or simply planning an international trip between classes.

Trip cancellation insurance : This coverage reimburses you for any prepaid, nonrefundable costs of your trip should you have to cancel for any unexpected circumstances covered by your selected policy. 

Travel medical coverage : If you become ill or get injured while traveling, travel medical coverage can help pay for medical expenses and even emergency travel back home.

Travel delay insurance : In the event of rescheduled or canceled flights that result in painfully long layovers, this coverage will reimburse you for personal items, food and lodging you may have to pay for as you wait for a rescheduled flight.

Delayed baggage : Just as it sounds, this coverage reimburses you for luggage (including necessities you might have to purchase while you wait for your luggage to arrive) if it’s delayed or lost by a travel provider in transit.

» Learn more: When to buy travel insurance

As with travel insurance for more general travelers, there are several factors that affect the cost of travel insurance for study abroad students and other young travelers, including:

Traveler age.

Overall trip cost.

Trip duration.

Specific coverage selected.

Because there are so many factors involved, and because every travel insurance company is different, it’s often wise to compare a number of plans to decide which is best for you and your travel plans. That said, these are some of the best student travel insurance options.

» Learn more: Best annual travel insurance this year

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

What Travel Guard covers

There are several options available from Travel Guard for travel insurance for students studying abroad or simply exploring on break: Deluxe, Preferred and Essential.

They all include trip cancellation and interruption, medical coverage, and lost or delayed baggage insurance. Bonus: They even come with dental coverage. Add-ons like car rental coverage and “cancel for any reason coverage” are also available with some plans.

There is also an annual plan available, but coverage automatically expires if any single trip lasts longer than 90 days, so it wouldn’t likely be sufficient for more than a semester abroad.

Multiple price points for a wide range of coverage options.

Dental coverage included.

24/7 emergency assistance available with all plans.

If you plan on participating in adventure sports, the Adventure Sports Bundle is only available as an add-on on some Preferred and Deluxe plans.

» Learn more: Read our full review of Travel Guard

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

What World Nomads covers

Designed for independent, often more adventurous travelers, World Nomads offers several travel insurance options for students of any age.

While plans may seem more expensive than some other options, it’s important to remember that these plans include medical treatment and evacuation if you are injured while participating in some adventure sports. Plans also cover medical expenses, trip cancellation and interruption, baggage loss and delay, and include 24/7 travel assistance.

Many adventure sports are covered.

Some plans include car rental coverage.

Dental is covered.

Pre-existing conditions aren’t covered.

» Learn more: Best adventure sports travel insurance

• Annual or single-trip policies are available.
• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

What Allianz covers

A well-known travel insurance company, Allianz offers a number of travel insurance plans that may appeal to students.

All plans include epidemic coverage, trip cancellation and interruption, medical and dental coverage, baggage loss and delay, and 24-hour assistance. And premium plans tend to offer similar coverage as other insurance companies but at a lower price.

There’s also an annual plan available called AllTrips, but it doesn’t cover individual trips longer than 45 consecutive days.

Includes epidemic coverage (including for COVID-19).

Covers 100% of prepaid costs if you cancel your trip for a covered reason.

The cost to change flights or other transportation is covered on some plans if you have to change or cancel bookings because of a covered reason.

Rental car coverage not included on any plan.

» Learn more: NerdWallet's Allianz review

• Flexible deductible options.
• Wide ranging medical coverage.
• Low prices for medical only needs.
• Lacks in traditional travel insurance coverage options such as trip Interruption, bag delays, etc.
• Better when paired with travel credit card insurance coverage.

What GeoBlue covers

Designed for students staying in one place for more than a week or even a whole semester, GeoBlue’s Navigator for Students plan is perfect for students studying abroad who are more concerned with health care coverage than travel-related benefits.

It’s designed more like traditional health insurance with deductibles, monthly payment plans and unlimited annual maximums when it comes to medical care. It covers medical care inside and outside the U.S., making it a good overall health insurance if you plan to travel back and forth. Travel vaccinations, emergency medical transportation and repatriation are even covered.

What’s not covered are more typical travel-related expenses like lost baggage, delayed flights and trip cancellation. But the medical coverage is so comprehensive that if you want travel-specific coverage, you could opt to purchase a more budget-friendly plan for each specific trip.

Unlimited annual maximum for medical benefits.

Sliding payment scale to customize your deductible-to-monthly premium payments.

Preventive care is covered.

Dental and vision benefits are extra.

Coverage for most travel-related snafus isn’t included.

» Learn more: GeoBlue travel insurance review : Is it worth the cost?

The best travel insurance for students studying abroad or traveling between semesters or even on holiday breaks is insurance that’s best suited to you and your travel plans.

Before you hit “Add to cart,” compare several plans, make sure to read the fine print and understand what’s covered (and, just as importantly, what’s not ). Select a plan that offers the coverage required to help you feel safe, secure and protected wherever you roam.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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Get the reassurance you need to travel with School Trip Travel Insurance with Just Travel Cover.

School trips are exciting for all children, and with annual ski trips, outings to the zoo, educational trips abroad, or fun end-of-term visits to the theme park, there’s no wonder! School trips give children the opportunity to get out of the classroom and explore different places. They give young people the chance to bring the things they’ve learned to life, discover new environments and cultures, and have fun. 

After the disruption brought about by the Coronavirus pandemic, one thing children and young people missed out on was their annual school trip.

Depending on the age of the children, the types of school trips will vary. However, no matter where your school is headed, the right School Trip Travel Insurance is essential.

Our School Trip Travel Insurance provides Teachers and Heads with peace of mind that staff and children are covered for unexpected medical emergencies while away, as well as cover for lost or stolen baggage and cancellation, should something stop the trip going ahead*.

We can cater for UK and overseas day trips, adventure holidays, educational and winter sport/ski trips. Call us on 0800 294 2969 for a bespoke quote, or get your own quote online using the link below.

School Trip Travel Insurance FAQs

Frequently Asked Questions about School Trip Travel Insurance.

What is School Trip Travel Insurance, and why is it important?

School trip Travel Insurance is designed for educational trips. It provides peace of mind to teachers, students, and their parents should something unexpected occur while away. School Trip Travel Insurance may cover unexpected medical emergencies, lost or stolen luggage, and trip cancellation. Terms apply. Having School Trip Travel Insurance is essential and will allow you to confidently travel.

Are teachers and staff covered under the School Trip Travel Insurance policy?

Yes, teachers and staff are covered by the School Trip Travel Insurance policy which includes teacher liability cover up to £5 million. Terms apply.

What types of school trips does the School Trip Travel Insurance cover?

At Just Travel Cover, our School Trip Travel Insurance policy caters to many school trip types. This includes in the UK, overseas day trips, ski holidays, or educational trips. We also offer quotes tailored to your specific school trip requirements. To learn more about our School Trip Travel Insurance policy, speak with one of our experts today. We are experienced in helping schools find a School Trip Travel Insurance policy that suits them, and we can help you too.

Does the School Trip Travel Insurance policy cover sports and activities?

Yes, our School Trip Travel Insurance policy includes sports and activities cover. While we don’t like to think that a child will become injured while away, it is best to be prepared. Our School Trip Travel Insurance policy will ensure peace of mind.

Our School Trip Travel Insurance 

• Medical and Repatriation cover up to £10m
• Cancellation cover (including for Covid-19*)
• 24 hour emergency medical assistance
• Teacher liability up to £5m
• Group Equipment and Money cover
• Sports and activities cover available (including tournaments)

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The Best Student Travel Insurance: How To Choose, Tips, and Policies [2024]

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‌Best Cheap Student Travel Insurance: Battleface

‌best student travel insurance for international students: img, ‌best student travel insurance for medical coverage: john hancock insurance agency, best student travel insurance for exchange students: berkshire hathaway, best student travel insurance for covid-19: aegis, is travel insurance for students worth it, student travel insurance costs, types of student travel insurance, what to look for in a student travel insurance policy, getting insurance with a student program, getting insurance at the time of booking, getting insurance after booking, final thoughts.

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Whether you’re planning to study abroad, backpacking through continents, or just going on a quick adventure, student travel can be both exciting and nerve-wracking. If you’re an inexperienced traveler or have family members at home who need some reassurance, you could benefit from the security that student travel insurance provides, whether it’s financial support or a 24/7 travel assistance hotline.

Let’s explore your options in student travel insurance, from trip cancellation and medical insurance to what you need to know about finding the best prices and coverage.

The 5 Best Travel Insurance Policies for Students

The best student travel insurance might be cheaper than you think. Students can get affordable travel insurance coverage for trip cancellations, emergency medical benefits, and more. We’ve run the numbers to get policy quotes based on age, benefits, and trip length so you can get an idea of what to expect from travel insurance for students.

Consider these student travel insurance policies:

Student travelers on a budget likely want extensive coverage at a low price.

Travel insurance is often cheap for students, considering companies usually offer good rates for young adult travelers. The Battleface Discovery Plan has limited benefits but comes in strong where it really counts, with $100,000 in emergency medical coverage and $500,000 for emergency medical evacuation benefits. Trip cancellation coverage is available for up to your full trip cost, but there is no trip interruption benefit.

We were quoted $33.41 for this plan for a 19-year-old visiting Mexico.

International students traveling to the U.S. may be limited in choices with trip cancellation and interruption coverage, but medical coverage is often generous. The IMG Patriot America Platinum policy has no benefits for trip cancellation and just $10,000 for trip interruption, but it offers $2 million each for emergency medical and emergency evacuation benefits.

This $2 million in coverage was quoted to us for just $25.76 for a 20-year-old student visiting the U.S. from China.

Medical coverage is key when traveling far from home, and the John Hancock Insurance Agency Silver plan offers good emergency medical benefits. This plan provides $500,000 in medical evacuation coverage and $100,000 in primary emergency medical benefits. While primary coverage costs more, it’s also more helpful because you don’t have to go through any other insurance coverage before it kicks in. This plan also offers up to 100% reimbursement for trip cancellation and 150% for trip interruption.

We got a quote on this plan for $68 for an 18-year-old visiting Germany.

Travel insurance for longer, more costly student travel, such as exchange programs, is more expensive than what you’d get for a week or 2 abroad. Still, the Berkshire Hathaway Travel Protection ExactCare Value plan offers a reasonable rate for up to 100% trip cancellation and interruption insurance, $15,000 in secondary emergency medical benefits, and $150,000 in emergency medical evacuation coverage.

Our quote for a 17-year-old on a 6-month exchange program in the U.K. was $189.

Concerns about COVID-19 can interfere with your travel plans, whether you get sick before your trip or pick it up along the way. Most travel insurance policies include COVID-19 in trip cancellation and interruption coverage as well as emergency medical benefits, and the Aegis Go Ready Choice plan is no exception. You can get up to 100% reimbursement for trip cancellation or 150% for trip interruption with COVID-19 as a covered reason. You’ll also get $50,000 in secondary emergency medical coverage, including COVID-19, and $250,000 in emergency medical evacuation.

We got a quote for $35 to cover a 21-year-old visiting China.

Travel insurance is often worth it, especially if you can’t afford to lose your nonrefundable travel expenses or you’re traveling internationally. As young travelers, students in particular may find having a 24/7 assistance hotline helpful. If it’s your first time traveling abroad, knowing that assistance is just a phone call away can be reassuring.

Student travelers may run into issues such as language barriers, not understanding cultural norms, getting sick from food, or overdoing it with alcohol. You may get support for these challenges from a student travel insurance policy.

Traveling to a country where you’re old enough to drink? Be careful not to overdo it, and check your travel insurance coverage. Some emergency medical benefits limit or exclude coverage for medical care related to intoxication or drug use.

Students who have saved up to be able to take a trip may be concerned about losing nonrefundable trip costs. If your bookings aren’t refundable and you’re not willing to risk your travel investment, travel insurance can give you some reassurance. Travel insurance policies offering trip cancellation or interruption coverage will reimburse you if you need to cancel or cut short your travel due to covered circumstances. That way, you can get your money back and take your trip later.

Health coverage is also a major reason why students might choose to get travel insurance. You shouldn’t expect your U.S.-based health insurance to cover medical treatment when traveling abroad. Most travel insurance policies offer emergency medical benefits that can help you get the medical care you need without worrying about how you’re going to pay for it. Student visa holders may be required to hold health insurance.

Emergency medical evacuation coverage can help you get medical care if your destination doesn’t have adequate medical facilities to treat you. This coverage can save you money — and potentially your life — with 6-figure benefits available to connect you with care.

While cancellation and medical coverage are the most important benefits you can get from student travel insurance, you may find additional benefits helpful. Some travel insurance policies offer coverage for financial default, which is when your tour operator goes out of business. You may also be covered if you’re laid off from work and need to cancel for financial reasons. Canceled flights, lost bags, and missed connections may also be covered, so you can get reimbursement if you have to deal with these travel mishaps.

Another benefit that may make student travel insurance worthwhile is a 24/7 travel assistance hotline . A travel assistance hotline can help you with travel needs, from destination information to emergency cash, roadside assistance, or getting local medical care. In an emergency, the hotline can help keep loved ones updated at home, offering reassurance and peace of mind to family members who might be anxious about your safety while you travel.

Some international study programs require travel insurance. Make sure your policy meets the requirements, or consider purchasing from the program’s recommended provider.

Generally, student travel insurance costs about 5% to 10% of your total trip cost if you’re purchasing a comprehensive plan. Limited plans like those just for trip cancellation or medical coverage may cost less. 

If you’re taking a $2,000 trip, that 5% to 10% breaks down to about $100 to $200, though your rates may be less as a young traveler. Comprehensive travel insurance policies usually include trip cancellation and interruption coverage, emergency medical benefits, and emergency medical evacuation — in addition to roadside assistance and a travel assistance hotline.

While you can generally expect to pay between 5% and 10% of your trip cost, how much student travel insurance costs depends on factors influencing your policy quote. These include:

• Coverage options you choose
• How long your trip is
• How much your trip costs
• How old you are
• Policy deductibles and limits
• Where you’re going
• Additional benefits, such as Cancel for Any Reason (CFAR)

Get more information on what you can expect to pay for student travel insurance in our guide to the average cost of travel insurance .

What Student Travel Insurance Covers

Though each coverage plan may vary, most comprehensive student travel insurance includes these benefits:

• Emergency Medical: Your insurance can pay for emergency medical treatment whether you get sick with a virus, break a leg, or need serious medical care.
• Emergency Evacuation: If you need serious medical care that’s not available at your destination, your travel insurance may offer coverage that can evacuate you to a medical facility that can care for you appropriately.
• Trip Cancellation: If you cancel your trip for covered reasons, such as severe illness or a natural disaster, you can get 100% reimbursement for your nonrefundable travel costs. However, keep in mind that this coverage typically won’t cover refunds for educational programs, such as deposits you’ve made for tuition or room and board.
• Trip Interruption: Similar to trip cancellation, trip interruption may offer 100% or 150% reimbursement for nonrefundable travel costs if you need to cut your trip short due to covered reasons.
• 24/7 Travel Assistance Hotline: You can call or chat with your travel insurance company’s assistance hotline to get help with travel needs, such as replacing lost credit cards or identification, finding a medical facility, or keeping your family updated in an emergency.
• Travel Delay: Your travel insurance coverage may offer benefits if your travel is delayed significantly, such as a flight that’s several hours late. Missed connection benefits may also be available.
• Baggage Delay or Loss: With this coverage, you can get reimbursed for lost baggage or for items you needed to buy while your baggage was delayed.
• Rental Car Damage: If you’re renting a car and have this coverage, you can decline the rental car company’s insurance and use your travel insurance coverage for damages instead.

Some of the expenses your student travel insurance may cover include plane tickets, hotel bookings, prepaid car rentals, tour tickets, meals, clothing, toiletries, and medical costs.

Read the details of your travel insurance policy’s medical benefits. Coverage details you may want to confirm include emergency contraceptives, COVID-19 testing and treatment, mental health care, and intoxication-related incidents.

Many travel insurance policies include coverage for COVID-19. Look for COVID-19 coverage in trip cancellation and interruption benefits as well as in emergency medical and evacuation benefits.

Comprehensive travel insurance policies are a common choice for students, but you can generally customize your travel insurance coverage to fit your needs. Some policies allow you to just get emergency medical coverage or opt for trip cancellation only. 

Additional coverage options may allow you to add CFAR coverage, allowing you to cancel your trip for any reason — not just the covered reasons in your standard coverage. With CFAR, you won’t get full reimbursement, but you’ll generally get 50% to 75% reimbursement, depending on the policy you choose. 

Some student travel insurance policies may offer additional coverage for adventure sports . For example, suppose you’d like to do some rock climbing, sky diving, or bungee jumping on your trip. In that case, most student travel insurance policies won’t cover those activities unless you add adventure sports coverage .

If you’re taking a gap year, participating in a student exchange program, or otherwise taking an extended trip as a student, you may want to consider an annual travel insurance policy . With an annual travel insurance policy, you can get insured for all of the trips you take within the covered year, whether you’re doing long trips or multiple short ones.

Although student travel insurance policies frequently offer many of the same coverage types, there are variables that should influence which policy you choose. These factors can change how much you pay, how much coverage you get, and ultimately, the experience you have if you need to use your student travel insurance. 

Consider these factors as you compare student travel insurance plans:

• Cost: Students on a tight budget may primarily consider cost. You can find the best deal on student travel insurance by getting multiple quotes from insurance companies. Just be sure to compare coverage, too, as the cheapest student travel insurance policy may not have all the benefits you need.
• Benefits: Look at the list of benefits and coverage to see what’s included, such as emergency medical treatment and evacuation, trip cancellation, and baggage delay. If you want CFAR or adventure sports coverage, confirm it’s available.
• Deductibles and Limits: You’ll find the most variables in how much a student travel insurance policy covers. For example, a policy may only offer $50,000 in secondary emergency medical insurance, but you might want a policy that offers $100,000 or more in primary emergency medical coverage.
• Exclusions: Understand what’s included and what’s not. Some policies may allow you to cancel your trip and receive reimbursement if you have work or school commitments you can’t get out of, but that’s not the case for all, so you should read the fine print.
• Requirements and Details: Details such as how long your travel has to be delayed before you can get trip delay benefits or how close to your trip you can cancel and still get a refund.
• Eligibility: Some student travel insurance policies may have restrictions on ages, destinations, trip duration, and other criteria that make you or your trip ineligible for coverage.
• Company Reviews and Ratings: Before you purchase your student travel insurance policy, consider what other customers have to say. Look for expert and customer ratings and read reviews to get an idea of the experience you can expect from the travel insurance company you’re purchasing coverage from.

If you’re traveling on a student visa, such as an F-1, J-1, or J-2 visa, you may have health insurance requirements. Check your coverage to make sure the student travel insurance policy you’re considering will offer the health insurance benefits you need. 

Travel insurance policies may exclude competitive sports, so check each policy’s fine print to make sure any sports activities you’ve planned are covered. For example, if you’re traveling for a collegiate sports activity.

How To Get Student Travel Insurance

There are a few ways to get student travel insurance: at booking, with your student travel program, or independently by shopping directly with travel insurance companies.

If you’re planning to travel with a student exchange program or on a student group trip, the organizer or travel agent may offer travel insurance policies you can purchase when you plan your travel. The benefit of going this route is you can get coverage from a travel insurance company that the program trusts, and it may offer the right coverage for the trip you’re planning.

Even when you’re booking travel on your own, you may get offers for travel insurance. Some airlines and hotels offer travel insurance at checkout. Online travel agencies (OTAs) such as Expedia and Booking.com typically offer travel insurance when you make a booking.

Purchasing the travel insurance policies offered to you from your travel program or at booking may make sense, but it’s still a good idea to compare these policies with other options. Consider student travel insurance you can get directly from a travel insurance company.

If you’re shopping on your own for travel insurance companies , you can visit travel insurance company websites to get quotes. If you want to save some time, you can use a travel comparison website such as Squaremouth that can give you quotes for policies from travel insurance companies that meet your search criteria.

In any case, it’s best to purchase student travel insurance shortly after booking. You can make the most of your coverage if you buy travel insurance within 2 weeks of making your first trip payment.

You may have travel insurance from a credit card , such as the Chase Sapphire Preferred ® Card . Look carefully at your card’s travel protection benefits to consider whether it’s enough to cover your needs for an upcoming trip. If your card coverage isn’t enough, see where a student travel insurance policy can fill in the gaps.

Traveling as a student can be a thrilling experience, though not without risks. If you want to travel more confidently and quell anxieties, student travel insurance might be just the ticket. You can get covered for medical care, travel assistance, cancellations, and even evacuation if you need it. Just be sure to shop around to find the best coverage at a good price to meet your student travel needs.

Frequently Asked Questions

What does student travel insurance cover.

Actual coverage depends on the plan you select, but student travel insurance generally covers emergency medical treatment and evacuation, trip cancellation and interruption, travel delays, baggage delay or loss, rental car damage, and 24/7 travel assistance.

Do international students need health insurance in the U.S.?

If you have a J-1 or J-2 visa, the U.S. Department of State requires that you have medical insurance for the length of your program. However, the U.S. government doesn’t require F-1 visa holders to have medical insurance. Still, universities may require international students to carry health insurance regardless of visa requirements. Even if you’re not required by the government or educational programs to carry medical insurance, it’s still a good idea because medical care in the U.S. can be very costly without insurance coverage.

What type of travel insurance do college students need?

Most college students will find a comprehensive travel insurance policy adequate for their needs. This type of coverage offers a broad array of benefits ranging from trip cancellation to emergency medical care.

Do I need health insurance to study abroad?

It’s likely you’ll need health insurance to study abroad. Your host country, study abroad program, or school may require it. Even if health insurance isn’t required, you should consider getting medical coverage so you can get the care you need if an emergency pops up while you’re overseas.

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About Jessica Merritt

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

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Studying abroad? Here are the best international student travel insurance companies

Travel insurance can not only save students money when studying abroad, but many schools also require it..

Studying abroad is a valuable educational and cultural experience and could give you an advantage in the job market after graduation. Buying travel insurance is a way to protect yourself financially while studying abroad. 

Many international programs require travel insurance , and some offer it through a predetermined provider. But if you're on the hunt for a comprehensive travel insurance plan on your own, CNBC Select has made it a little easier. We compared dozens of top travel insurance companies for students and narrowed down the five best options that stood out for their strong coverage and affordability . (See our methodology for more information.)

Best student travel insurance

• Best overall: AXA Assistance USA Travel Insurance
• Best for medical expenses: USI Affinity Travel Insurance
• Best for trip interruptions: Travel Guard Travel Insurance
• Best for customizable coverage: Allianz Travel Insurance
• Best for students on a budget: Berkshire Hathaway Travel Protection

Best overall

Axa assistance usa travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

AXA Assistance USA offers several travel insurance policies that include travel interruption, trip cancellation, and the option of cancel for any reason (CFAR) coverage.

24/7 assistance available

• Three tiers of plans available
• Highly rated for financial strength
• Cancel for any reason only available on highest-tier coverage

AXA Assistance USA 's most basic plan, the Silver Plan, includes all of the essentials a student will likely need while studying abroad: coverage for emergency medical expenses (up to $25,000 for accident or sickness and up to $100,000 for evacuation), baggage loss (up to $750) trip interruption and trip cancellation. 

It's budget-friendly as well and is one of the most affordable yet comprehensive travel insurance plans on the market. If you're interested in higher coverage limits, AXA offers two more premium plans, one of which includes a cancel for any reason (CFAR) option. 

[ Jump to more details ]

Best for medical expenses

Usi affinity travel insurance.

USI Affinity has travel medical policies in addition to trip cancellation policies. Travel medical plans include an option for frequent travelers to cover multiple trips. Trip cancellation options include coverage for road trips and group travel.

• Wide variety of plans for both trip cancellation coverage and travel medical insurance
• CFAR only covers up to 70% of non-refundable trip costs

USI Affinity is a good choice for students primarily concerned about potential medical expenses abroad. The company offers only one trip cancellation plan but offers a wide variety of travel medical plans tailored to specific situations.

Best for trip interruptions

Travel guard® travel insurance.

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

• A variety of plans are available to help cover different types of trips
• Not all products are available for purchase online

Students who are concerned about trip interruptions should consider Travel Guard , which offers last-minute coverage. There are three base packages available online, with more options available through a representative. Its most basic plan includes typical coverage for travel medical expenses (up to $15,000 in medical expenses and $150,000 for evacuation), but robust coverage for trip cancellation, trip interruption, baggage theft as well as per-day compensation for trip delays.

Best for customizable coverage

Allianz travel insurance.

10 travel insurance plans make it possible to customize your coverage. For families, Allianz's OneTrip Prime package covers children age 17 and younger when traveling with a parent or grandparent.

• Trip cancellation benefits can reimburse your prepaid, nonrefundable trip payments if you have to cancel your trip for one of the covered reasons stated in your plan documents. 
• Limited coverage for risky sports

Allianz offers a whopping 10 different travel insurance policies. While many premium insurers offer cancel for any reason coverage that can cover up to 75% of prepaid, non-refundable trip costs, Allianz's Cancel Anytime upgrade can reimburse up to 80% of your prepaid, nonrefundable trip payments if you have to cancel your trip for one of the covered reasons stated in your plan documents. If you're planning to be adventurous during your study abroad experience, Allianz has a variety of add-ons to cover rental cars, hazardous sports and more. 

Best for students on a budget

Berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

• Wide variety of policies available
• Strong financial strength rating by AM Best
• Cancel for any reason only provides reimbursement for up to 50% of non-refundable trip payments

Berkshire Hathaway Travel Protection is a strong choice for students on a tight budget looking for strong coverage. Its most basic plan (the ExactCare Value plan) earned one of the cheapest quotes reviewed by CNBC Select and includes moderate-limit coverage for everything a student might need while studying internationally. 

More on our top travel insurance for studying abroad

AXA's travel insurance offers medical coverage for emergencies and accidents while traveling for up to $250,000. It offers three different plans for travelers starting as low as $16 according to its website.

CFAR coverage available

24/7 assistance?  

[ Return to summary ]

USI Affinity offers a number of travel plans, including travel medical plans for those traveling outside of the U.S. Its InterMedical Insurance plan has three levels of medical coverage available ranging from $50,000 to $150,000, and starts at $1.35 per day, according to the company's website.

Travel Guard Travel Insurance

Travel Guard's travel insurance could be a fit for students studying abroad with three levels of coverage. Its travel medical expense coverage can go up to $100,000 with the brand's deluxe plan.

Allianz offers several types of travel insurance for students, including its OneTrip Emergency Medical Plan with up to $50,000 in emergency medical benefits and $250,000 in evacuation benefits. Its OneTrip Prime and Premier plans offer cancellation and trip interruption benefits on top of emergency medical benefits up to $50,000.

Berkshire Hathaway Travel Insurance

Berkshire Hathaway Travel Protection offers several travel insurance plans that could be a fit for student travelers, including its ExactCare Value and ExactCare plans, offering both trip cancellation and interruption coverage in addition to medical coverage.

What does travel insurance cover for studying abroad? 

Medical expenses and emergency evacuation.

Stan Sandberg, a co-founder of the online marketplace TravelInsurance.com , said medical coverage is the most important area of coverage for students studying abroad. 

Most travel insurance plans, regardless of whether they are designed for students, cover medical expenses incurred abroad. Medical expense coverage can help to cover injuries or illnesses you may incur while abroad. Emergency evacuation coverage generally includes transportation to the nearest adequate facility or transportation home.

Travel medical coverage can exclude some situations that are relevant for students studying abroad — namely, intoxication. "If the individual is either beyond a certain intoxication level or under the influence of illegal substances, those things are very often excluded from coverage," Sandberg said. "So, a student traveling to a country that doesn't have a drinking age, for instance, that would be something to keep in mind."

Because of cultural alienation and homesickness, studying abroad can be an emotionally difficult time for many students. If you are shopping for student travel insurance, you should consider searching for a plan that covers mental health services. Read your travel policy carefully to understand the coverage offered and any requirements for coverage.

If medical expenses are the only cost you wish to insure, then you might instead consider an international health plan, which Sandberg recommends for students on a budget . 

Trip cancellation and interruption 

If your circumstances change at the last minute, you'll be grateful to have a travel insurance plan with trip cancellation coverage, which will reimburse you for your non-refundable trip costs, like flights and hotels , for covered events. 

This coverage will not, however, cover any non-refundable costs of your study abroad program, such as tuition, room and board, which are likely to be much more expensive than the flights to and from. So to Sandberg, this coverage is slightly less important for students.

Travel assistance

It's possible that studying abroad will be a student's first time out of the country. Traveling internationally , especially in areas with a language barrier, can be confusing. Many travel insurance plans, and all five policies we chose as our top picks , offer a 24/7 helpline to assist you along your journey. 

Lost or stolen baggage

Along with travel assistance, baggage loss and baggage delay coverage are examples of post-departure benefits. Study abroad programs typically last an entire semester or a summer, so you'll likely pack a lot of luggage. 

If you're traveling with valuables, you should consider searching for a plan that includes baggage insurance. Sandberg recommends reading the fine print, though, as many plans exclude electronic items in luggage and items above a certain value. 

And of course, make sure any policy is worth your money and aligns with your coverage goals before purchasing it. Many travel insurance policies offer free look periods that include time to read over the policy and cancel coverage with a refund.

What is travel insurance for studying abroad? 

For students and adults alike, travel insurance is a flexible type of coverage designed to protect you when you're far from home. By purchasing a policy, you can prevent financial hardship related to international medical expenses or travel mishaps like interruptions, delays and lost luggage. Some premium travel insurance plans offer cancel for any reason (CFAR) coverage, which allows you to recoup some of your expenses should you cancel your trip for any reason.

Is travel insurance worth it for studying abroad?

Travel insurance is a wise investment for travelers who will be abroad for a while, including students studying abroad. Most domestic medical plans do not cover international hospital bills, so in case of an emergency, having travel insurance with medical expense coverage could be crucial.

How much does travel insurance cost for students studying abroad?  

Travel insurance costs vary depending on the length of the trip, the age of the travelers and the extent of the coverage. You can expect to pay around 4% to 10% of your trip's total cost, according to travel insurance comparison site InsureMyTrip . Keep in mind though that your trip's "total cost" does not include the cost of your study abroad program itself. Most travel insurance companies are only interested in the cost of flights and non-program lodging like hotels. The best way to estimate the cost of insuring your trip is to get quotes from multiple companies.

What is international health insurance?

International health insurance is a health coverage plan that covers your medical expenses anywhere in the world. An international health insurance plan provides very similar medical coverage to that provided by a travel insurance plan.

Do I need travel insurance if my credit card has it already?

Some of the best travel credit cards on the market provide some travel protection. For example, the  Chase Sapphire Reserve®  card offers trip cancellation and interruption insurance up to $10,000 per covered person up to $20,000 per trip, travel accident insurance, emergency evacuation insurance and coverage for baggage delays and loss. Ask your issuer if your card has any travel protection benefits. If not, or if the coverage is minimal, you should consider purchasing travel insurance from a third party.

Bottom line

Not only is it a smart idea to purchase travel insurance to study abroad, but it is also required by a lot of international programs. With travel insurance, students can worry less about the unexpected and make the most of their experience abroad. If your academic program does not have a pre-existing partnership with a certain provider, then consider using one of these top travel insurance companies for students. 

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Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every travel insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best cheap travel insurance.

Our methodology 

To determine the best travel insurance companies for students studying abroad, CNBC Select analyzed dozens of U.S. travel insurance companies that come with a wide variety of policies and offer coverage for a number of situations. 

When narrowing down the best travel insurance companies, we focused on the coverage available, including the number of plans available, 24/7 assistance availability and cancel for any reason (CFAR) coverage availability. We also considered financial strength ratings from AM Best and Better Business Bureau ratings for customer satisfaction.

To consider costs, we gathered quotes from the top travel insurance companies for four sample trips, which included:

1. A semester-long (January 15 to June 15) study-abroad trip to the United Kingdom:

• $3,000 per person (flights to and from JFK and non-program hotels)
• New York residents
• Traveler aged 20

2. A summer (June 15-August 15) study-abroad trip to Italy:

• $2,000 per person (flights to and from JFK and non-program hotels)

Sample quotes assumed that payments were made on the date of quoting.

Note that the premiums and policy structures advertised for travel insurance companies are subject to fluctuate in accordance with the company's policies.

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Your group is covered with our educational trip insurance

Group travel insurance for school tours and residentials

We believe that safety and education are equally important when booking an educational tour with Voyager School Travel. It is therefore why it is a condition of booking with us that you have obtained adequate insurance that covers your school group for the duration of your trip.

For schools that don't have insurance cover for their trips, Voyager School Travel has partnered with Endsleigh Insurance to create a bespoke school group travel insurance policy that covers students and adults on your trip against a variety of unforeseen risks.

Cover includes loss of personal items, cancellation and curtailment of the trip due to illness or injury including the cost of any repatriation back home following a medical emergency. Additionally, cover for over 100 sports and activities is included as standard under this group policy.

The group insurance policy has been arranged for the benefit of students and accompanying adults travelling on a trip with Voyager School Travel. 

Support for teachers & group leaders while abroad

• A 24 hour helpline for medical emergencies
• Emergency medical expenses in the event of illness or injury
• Protection against cancellation or curtailment charges
• Cover for loss or damage to baggage and personal money
• A wide range of sports and activities covered including winter sports

What's included?

• Cover for baggage, including valuables, money, and passports
• Cover for all the types of school trip activities e.g. watersports, ski, adventure activities and team sports
• Up to £5 million medical cover per person
• Up to £5,000 cancellation cover per person
• Up to £2 million personal liability cover per event

Full details of what is and is not included can be found in the Insurance Product Information Document

Choose Voyager School Travel to ensure your trip has the best insurance protection  

All Voyager School Travel’s  school trip packages , including UK residentials , are fully protected by our School Trip Insurance with Endsleigh Insurance.

Download Endsleigh's Insurance Policy document, or check out the cover limits in the Policy Information Document, below. 

Insurance documents and resources:

Get a quote ✅

Receive a no-obligation quote for your group from one of our educational travel experts.

Why choose Voyager School Travel?

Learn how our own overseas teams, residential properties, escorted trips & coach company will support you every step of the way

Frequently Asked Questions

Making a claim or request assistance in the event of medical emergency:

All medical claims are handled by our emergency assistance service (CEGA) who operate a 24/7 operation for medical emergencies.

Emergency medical claim:

- Contact the emergency assistance service on telephone number: +44 (0)1243 621058.

Making a non-medical claim:

- All non-medical claims are handled by CEGA– telephone number +44(0) 1202 038 946.

Alternatively:

Email:         [email protected] or Web:          The travel claim form - Form | Endsleigh

When to make a claim:

Claims should be made as soon as possible after the date of the incident for which the beneficiary is claiming. Claims MUST be made within 31 days of the incident.

Yes, as with all insurance policies there are a number of general exclusions listed in the group policy wording under ‘general exclusions’ which should be read carefully in addition to the ‘What is not covered’ sections of the group policy . Please note, most sections of the policy will be subject to an excess.

 It is your responsibility to read and ensure that you understand the group policy.

Whilst in the care of a carrier, transport company, authority, hotel or your accommodation provider

You must report to them, in writing, details of the loss, theft or damage and obtain (at your own expense) written confirmation of the loss. If baggage is lost, stolen or damaged whilst in the care of an airline you must:

a) obtain a Property Irregularity Report from the airline. b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy). c) retain all travel tickets and tags for submission if a claim is to be made under this group policy.

In all other situations

You must report to the local Police in the country where the incident occurred within 24 hours of discovery wherever possible, and obtain (at your own expense) a written report of the loss, theft or attempted theft of all baggage.

You must provide (at your own expense) an original receipt or proof of ownership for items lost, stolen or damaged to help substantiate your claim.

Cancellation cover is operative from the time you are accepted for cover prior to the commencement of your trip. For all other sections of the group policy, the insurance commences when you leave your home to commence the trip and terminates at the time of your return to your home in your home country on completion of the trip. Any trip that had already begun at the time of being accepted for cover will not be covered.

You may withdraw from participation in the group policy at any time by giving notice of that intention to your tour operator.

If the cover does not meet your needs, there is a ‘cooling off’ period of 14 days from the date of receipt for first deposits during which you may cancel the insurance in writing to your tour operator. 

If you decide to cancel your insurance after the 14 days, any return of premium will be calculated from the date such participation ceases, provided you have not travelled or been the subject of a claim during any period for which cover was provided, in which case no refund will be due. We reserve the right to charge a reasonable administration fee.

(Please note: Cancellation cover is operative from the time you are accepted for cover. Therefore, if you withdraw from participation in the group policy you will be charged for the period between being accepted for cover and your travel departure date).

Please see full terms and conditions for cancelling your insurance with the policy documentation .

Why choose Voyager School Travel for your school trip?

You are in specialist hands

Our team use their teaching, language & destination experience to organise educational trips that are not only enriching but hassle-free.  Read more →

Safety assured, bonded & accredited

As a member of the School Travel Forum & protected through ABTA & ATOL you can be sure of our high standards.  Read more →

Trusted by teachers

Schools trust Voyager School Travel to organise the educational trips for over 32,000 passengers a year.  Read more →

We deliver the educational elements

Signature educational experiences with our own language & activity instructors allow  teachers to enjoy the trip too.  Read more →

Stay at our own residential centres

Groups staying at our own residential centres in France will benefit from high quality learning, safety & service. Read more →

Our own overseas teams

Peace of mind knowing our French m anagers, instructors, coach drivers & support team will look after your every need. Read more →

For teachers who are serious about the educational outcomes of their school trip.

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

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Student Travel Insurance Benefits

Study-abroad and student travel programs are an incredible opportunity for young people to experience the wide world. But as any chaperone can tell you, there's always one student who misses the plane, loses their passport or ends up in the hospital after eating bad pineapple. What will you do if it's your son or daughter?

Three Things You Need To Know Before Buying Student Travel Insurance

School travel coordinators will do their best to help, but what you really need is a student travel insurance  policy that includes emergency medical services coverage and trip cancellation coverage . Whether your student is embarking on domestic travel or a long international vacation , you need to get student travel insurance first. Here are the three reasons why.

1. Student travelers take more risks.

Sometimes, the thrill of studying abroad erases young travelers' good judgment. They may leave their bag on the beach while snorkeling, only to find someone has stolen their passport. Or they may sprain an ankle while learning to dance the Merengue. It's all part of the adventure - and it's okay, as long as they have student travel insurance.

Look for a student policy that includes things like medical coverage, trip interruption coverage, emergency medical evacuation coverage, 24/7 travel assistance services and more.

2. In an emergency, student travel insurance may provide valuable guidance.

For student travelers who have never left home before, traveling overseas can be scary because they don't know what to do in an emergency. That's when a student travel insurance policy with access to a 24-hour hotline can help. No matter where students are in the world, a multilingual specialist can offer guidance for all kinds of problems, from tracking down lost baggage to getting emergency medical care.

3. Student travel insurance gives you peace of mind.

It's hard enough to wave goodbye to your daughter before she boards an international flight for the first time. Do you really want to be worrying about her every minute she's overseas? A student travel insurance policy lets you know she's covered in case the unexpected happens. Look for a policy that offers coverage for illness, accidents, lost baggage, missed flights, theft or other international emergencies. Make sure you review your insurance plan carefully before you buy, because not all plans offer the same coverage.

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Trip Insurance

Travel for teens requires all participants to purchase a travel protection plan..

Each year, at least one family typically loses the money they’ve invested in their child’s program because he/she was unable to travel at the last minute due to medical/family emergencies or other unforeseeable situations. Travel insurance is required on all of our programs. You may choose your own plan or the Travel for Teens travel protection plan offered through Travel Insured International. Travel For Teens has partnered with Travel Insured International (TII) to offer the Travel For Teens Protection Plan, which can help give you some peace of mind that your investment is protected against many unexpected events. Your plan can be purchased directly through us and is included on your invoice. The cost of your plan is calculated based on the total non-refundable cost of your trip, including all non-refundable airfare you may have purchased through Travel For Teens that appears on your invoice.

Protection Plan Options and Prices

The Travel for Teens Protection Plan includes many benefits, such as Trip Cancellation coverage, which reimburses non-refundable trip expenses if you cancel your trip with Travel For Teens due to a covered reason, such as Sickness. The plan also includes missed connection, trip interruption, and travel delay coverages. In addition, you have the option to add on the Cancel For Any Reason (CFAR) benefit for an additional cost. The Travel For Teens Protection plan allows cancellation and reimbursement for covered reasons per the plan details, while the optional Cancel For Any Reason (CFAR) benefit allows for cancellation and reimbursement for any non-covered reasons per the plan details.

Download Pricing Details above as a PDF

Download Full Plan Details

If you would like to purchase a plan, use any of the three options below! You can make payment by credit card with no additional fee.

• Calculate the tier that your teen’s tuition falls into and make a payment . We will add the plan and send you an updated statement
• Email [email protected] with the plan you want, and we will send you an updated statement with a link to make payment
• Schedule a quick call at a time that is convenient for you and we can discuss the pricing for your plan.

NY RESIDENTS

Please note, NY residents cannot add CFAR coverage to this plan. However, residents of NY can purchase an individual plan with a non-insurance CFAR waiver from TII. Visit this link for a direct quote.   Parents who purchase this plan may increase the level of coverage once the plan is purchased to cover additional costs such as airfare or a more expensive trip.

Trip Protection Plans for International Residents

Canadian Residence

If your permanent residence is in Canada, you have options but you must purchase the insurance directly from the insurance provider. Travel For Teens partners with TripMate.

Use this link to get a quote, review policy benefits, and buy your travel insurance policy directly from TripMate.  

Note: For the Standard Plan Policy or Premium (w/ Cancel For Any Reason) Plan Policy, the policy must be purchased for the traveler within 21 days of the initial deposit and before the final payment has been made to TFT. Travel For Teens cannot sell this policy directly to Canadian residents.

International Residence

For those living outside the USA and Canada, you have options but you must purchase the insurance directly on your own. TFT can only sell insurance policies within the United States. We suggest that families who reside outside of the United States or Canada contact a local Travel Agent for guidance on a suitable policy for their traveler.

If you purchased a policy from Travel For Teens in the calendar year 2023, please reference this page for the policy details.

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School Trip Travel Insurance

• Insurance Documents

Further information on your school trip travel insurance, including the insurance statement and FAQs.

When planning your school trip, it’s vital that you arrange suitable travel insurance.

We can provide you with comprehensive school travel insurance that, as well as the usual cover also includes individual Covid cover.

What does this travel insurance cover?

This travel insurance provides cover for all the usual things, such as medical expenses should a member of the group fall ill or be injured on the trip, loss of money or belongings, travel delay, missed departure and cancellation, curtailment or change of itinerary. For further details on what’s covered, please see the insurance statements below.

The policy also covers reasonable additional costs to account for a family member to come across or a group leader/teacher to stay with the individual.

Insurance statements

If you’ve arranged your insurance through us here at Halsbury, please see below for your insurance statement.

Full Policy

Policy Summary

Personal Accident & Endorsement Schedule

Frequently Asked Questions

Do we have to take this school trip travel insurance.

This group travel insurance is an optional extra and it is not compulsory for your group to purchase it through Halsbury providing you have other travel insurance arrangements in place.

Can members of our group choose to opt out of the school travel insurance?

Individuals cannot opt out of the policy, as Aviva are providing cover for the entire group, i.e. either the whole group is covered by Aviva or the entire group opts out.

At what point does this school travel insurance cover start?

Cover begins from the moment that the booking is made and ends when the group returns to the school or the individual's home (whichever comes first).

We all have a valid GHIC, do we still need to arrange school trip travel insurance?

GHICs do not provide comprehensive medical cover and so we strongly advise that school trip travel insurance is also arranged.

Do you need to know if anyone in the group has pre-existing medical conditions?

Aviva do not require the declaration of any pre-existing medical conditions. The only exclusion for medical conditions is if the individual is travelling against the advice of a medical practitioner. If you are unsure if you should be travelling, please contact your doctor/consultant/practitioner for confirmation.

Do you need to know if someone in the group develops a new medical condition between arranging cover and trip departure?

Aviva do not need to be informed unless the individual is travelling against medical advice. The policy's only exclusion for medical conditions is if the individual is travelling against the advice of a medical practitioner. If you are unsure whether you should be travelling, please contact your doctor/consultant/practitioner for confirmation.

If we need to replace members of the group between arranging cover and trip departure, will the replacements be covered by the school trip travel insurance?

As Aviva are covering the group as a whole, they do not need to be informed of any changes to members and cover automatically extends to replacements.

Does the school travel insurance cover a replacement adult if the adult to child ratio is compromised due to one of the teachers becoming unwell on the trip?

The insurance policy will cover the reasonable travel and accommodation costs of a replacement teacher in this scenario. Please ensure that you contact Aviva/CEGA before any arrangements are made.

Does the school trip travel insurance cover the cost of hiring substitute teachers to cover classes if any of the teachers on the trip are required to remain abroad for any reason (e.g. to accompany an injured student)?

The policy does not cover the cost of hiring substitute teachers who may be required for any reason.

Does the school travel insurance cover group cancellation if the trip becomes unviable due to the number of students contracting Covid-19 or having to self-isolate?

The covid cancellation cover under the policy is for each specific individual, so cancellation cover is only in place for those who comply with the covid notes on page 1 of the policy.

Are we still covered by the school trip travel insurance if we have chosen not to take the available Covid-19 vaccines?

Aviva do not require any individual to be vaccinated. However, please note that if you are not vaccinated and are refused entry due to being unable to fulfil entry requirements, then there is no cover under the school travel insurance policy.

What happens if a group member becomes ill, is injured or is instructed to self-isolate while on the trip?

Please contact Aviva/CEGA on the emergency contact number provided on the Emergency Assistance card as soon as possible.

If a passenger drops out of the trip due to contracting Covid, are they covered by the school travel insurance?

With regards to Covid-19, the policy will offer cover in the following circumstances:

• The insured person being admitted to hospital due to a positive Covid-19 test up to 28 days before the commencement of their Insured Journey
• The insured person being diagnosed by a Qualified Medical Practitioner as having tested positive with Covid-19 up to 14 days before the commencement of their insured journey
• The insured person is contacted by a representative of the UK Government’s Test and Trace service due to the probability of having contracted COVID-19, and are instructed to self-isolate for a period of time which prevents the insured person from the commencement of their insured journey

The policy also covers reasonable additional costs to account for a family member to come across or a group leader/teacher to stay with the individual, subject to prior authorisation by Aviva/CEGA.

If we decide to cancel the school trip because Covid-19 becomes a concern, are we covered by the school travel insurance policy?

Fear of covid (or any other incident) is not covered by the insurance policy.

Are we covered by the school travel insurance if the FCDO changes its advice to 'all but essential travel' after we've arrived in the country?

Cover remains in place in this scenario.

With the NHS no longer providing PCR or lateral flow tests, what type of test should a member of the group take in order to prove that they have tested positive for Covid-19 within 14 days of the departure date?

While Aviva do not request a specific type of test, the recommendation is to try to adhere to the standards that were being asked during the main Covid period, i.e. a PCR or LFT. This can come from one of the high street stores that sell these tests. We would recommend that you take a picture of the positive test, including the serial number and, if possible, the test’s terms and conditions or the packaging, so that Aviva have evidence of the test brand.

Are costs incurred from having to take a test to prove that a member has contracted Covid recoverable?

As with any proof of illness, the cost/burden falls to the individual who is providing the proof. For example, if you contract norovirus, you would require a doctor’s note as evidence of illness, and the individual cancelling would bear the cost of the doctor’s note. Therefore, if a member of the group contracts Covid-19 and needs to cancel, they must bear the cost of the test and this is not recoverable from Aviva, whether the result is positive or negative.

The Halsbury Difference

School trips designed by teachers for teachers.

Originally founded by teachers in 1986 and with several former teachers in our team, we understand the pressures on you as Group Leader and work hard to relieve them.

Trips tailored to your curriculum and learning objectives

We’ll design your trip around your specific learning objectives and curriculum, to ensure it meets your particular requirements.

Rewarding loyalty scheme

Work together with other teachers in your school to save thousands of pounds on future school trips with our multi-trip loyalty scheme!

A Specialist in Worldwide Educational School Tours & School Ski Trips

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Travel Insurance

Working in Partnership with Aviva for our European Tours and AXA for our North America Tours

Our aim to ensure safe and secure school trips has not wavered.

We have sourced the market leading insurance policies, providing substance and protection around COVID 19.

You must have valid travel insurance in place at time of making a booking. If you are intending to use our policy, please check before paying deposits that it provides sufficient cover for your particular needs.

We are excited to partner with Aviva for our travel insurance needs at Select School Travel. This collaboration allows us to offer tailored comprehensive coverage for educational trips, school ski trips, and visits to our Chateau du Baffy in Normandy, France. Our commitment to prioritising the safety and well-being of students and educators remains unwavering. For more information about our services and this insurance partnership, please refer to the documents below.

Download policy documents by clicking on the links below:

Travel Summary (Aviva) Travel Policy Schedule (Aviva) Travel Policy Wording (Aviva)

Experience the difference

Call us on:  01444 870100

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Selectschooltravel.com

Specialists in School Ski & Educational School Tours

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School Ski Trips to Europe & Beyond

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Visit our Chateau in Normandy, France

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Travel Specialist to Europe and Beyond

School Travel Abroad

Telephone: 01444 870100

Email: [email protected]

Opening hours: Monday – Friday 09:00-17:15

Select School Travel Limited, Second Floor, 30 Church Road, Burgess Hill, West Sussex, RH15 9AE

© Select School Travel. All rights reserved. Select School Travel Copyright.

Company Reg. No.09388257. VAT No.208830611

100% Protected School Trips

About School Trip Cover

School Trip Cover provides travel insurance for school groups.

Our aim is to make buying good quality school travel insurance much easier for teachers and organisers of school trips.

• Instant quotes and cover are available online
• Pay by credit card or download an invoice
• There is no need to provide a list of pupil names and dates of birth
• We only need to the know the number of pupils

School Trip Cover is brought to you by Ancile Insurance Group Limited, an industry leading travel insurance intermediary. Ancile Insurance has been selling travel insurance to UK travellers since 2007.

Authorised and Regulated by the Financial Conduct Authority

Ancile Insurance Group Limited is authorised and regulated by the Financial Conduct Authority. Our Financial Services Register number is 471641.

You can check this on the Financial Services Register by visiting the FCA's website or by contacting the FCA on 0800 111 6768.

Underwritten by Red Sands Insurance Company

Our travel insurance is Underwritten by Red Sands Insurance Company (Europe) Ltd.  Red Sands Insurance Company (Europe) Limited is registered in Gibraltar Reg. No: 87598. Registered office: Level 3 Ocean Village Business Centre, 23 Ocean Village Promenade, Gibraltar.  

Red Sands Insurance Company (Europe) Limited is authorised and regulated by the Gibraltar Financial Services Commission and is subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority in respect of business underwritten in the UK (No: 231635). 

Red Sands Insurance Company (Europe) Limited is a member of the UK's Financial Services Compensation Scheme and Association of British Insurers. 

Covered by the Financial Services Compensation Scheme

The school travel insurance policies we sell are covered by the Financial Services Compensation Scheme, which means that if the insurer was unable to meet its liabilities compensation may be available.

For more information about the Financial Services Compensation Scheme visit www.fscs.org.uk

British Insurance Broker’s Association

We are a member of The British Insurance Brokers Association.

The British Insurance Brokers’ Association (BIBA) is the UK’s leading general insurance intermediary organisation representing the interests of insurance brokers, intermediaries and their customers.

Association of Travel Insurance Intermediaries

Ancile Insurance is a member of the Association of Travel Insurance Intermediaries, an industry body which encourages best practice in the selling of travel insurance to promote trust and consumer satisfaction within the industry.

Information

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Buy With Confidence

Authorised and regulated by the financial conduct authority.

School Trip Cover is a trading name of Ancile Insurance Group Ltd.

Ancile Insurance Group Ltd, Registered Office: undefined, is authorised and regulated by the Financial Conduct Authority. Our Financial Services Register number is 471641.

You can check this on the Financial Services Register by visiting the FCA website or by contacting the FCA on 0800 111 6768.

Covered by the Financial Services Compensation scheme

The travel insurance policies we sell are covered by the Financial Services Compensation scheme, which means that if the underwriter was unable to meet its liabilities to you compensation may be available.

For more information about the Financial Services Compensation Scheme visit www.fscs.org.uk .

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Important Notice

If you have an existing policy and have a query or need to get in touch please contact us on 0330 094 5789 or email us at [email protected]

If you need to make a claim please use the contact details in your policy wording, or visit our claims page to find out more. Claims Information »

the school travel people

Explore. Educate. Enjoy.

Group tours for schools, colleges and other institutions, created with a passion for creating life-changing learning experiences for young people.

Find your perfect trip

A passion for travel....

They say travel broadens the mind. That’s why at Equity, we’ve made it our mission to encourage young people to embrace world travel – and learn from it.

We have specialists covering a range of curriculum subjects, sports and destinations. From English to history, music to modern languages, and skiing to football, we organise itineraries that cover the UK, Europe and the world.

Let us be your guide in school travel abroad, and embark on your next adventure with your students confident in the knowledge that our travel experts will be with you every step of the way.

Enhancing the lives of young people...

...through experiences that inspire

Euro space center.

Discover the wonders of the universe and watch your students train to become astronauts at the Euro Space Centre. With science workshops, simulators, rockets, and fun activities, this is a brilliant option for STEM students to learn about space, and solve problems across a range of disciplines.

You can choose from a multi-day residential at the center, or include it in a multi-day STEM trip to Brussels with plenty of other science-focused activities, including the Atomium, the Planetarium, Technopolis, the Museum of Natural Sciences, and more.

Cannon & Waterville, USA

Two resort for the price of one. Ski New Hampshire's highest skiable mountain at Cannon, and the high-quality, world-cup hosting resort of Waterville. Make it extra special and talk to our experts about adding a city stopover in New York or Boston.

New York is a city that always makes a great impression, and you are bound to leave with fantastic memories for life – this city really does have something to offer everyone! 

Aprica, Italy

Welcoming and well-equipped, Aprica’s compact resort is a popular option for schools who enjoy its friendliness and excellent snow cover. 

Speaking French in Normandy

Normandy is a fantastic choice for schools looking for a unique cultural experience. From the Bayeux Tapestry to a traditional goat’s cheese farm, students can discover so much just across the Channel.

Enhance linguistic skills and discover traditional French culture in picturesque towns like Honfluer, where students can improve conversational French in local markets.

Effortless group travel

• Before you depart
• On your tour
• When you get back

Extensive Product Range

Our long-standing product range has been built with input from education leaders to ensure curriculum links and subject-specific itineraries are maintained

Destination Specialist

You will be assigned a dedicated destination specialist with the support of an entire team to ensure your tour is a success

Health & Safety

Thorough health & safety documents are supplied with information on policies and securities to ensure the best possible trip

Travel Support

Our ‘Before You Go’ booklet includes essential travel information which is particularly useful when travelling in a large group

Value Led Price

All of your tour inclusions are included in the final price, meaning there are no hidden costs

24/7 Contact

Our in-house support team provides around-the-clock care, in case you need anything while you’re away

Tour Support

Equity representatives (where included) offering guidance and support for the duration of your tour

Tailored for Groups

Our accommodation, transport and excursion providers have all been hand-picked for their suitability for schools

Years of Experience

You’re in capable hands. We’ve been delivering exceptional school trips since 1933

Our coaches are well established, reliable and all undergo an audit to ensure a high standard of vehicles and drivers

We believe that our travel insurance policy is one of the best available

Lasting Benefits

See increased engagement back in the classroom

Loyalty Discount

Rebook your trip at preferential rates with your dedicated account manager

Bespoke Itinerary

Want to make a few changes from your last tour? No problem, your personal advisor can guide you through your next trip whilst keeping the best bits of your last one

Recommend Us

Multi-tour discounts ensure you receive the best possible price for all of your school trips by encouraging your colleagues to book with us

Your Opinion Matters

We are active with your feedback. Working with industry experts we make it easy for you to provide comments and ensure it is acted upon to help us improve our service and tours

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100% Financially Protected School Trips

For the latest travel advice from the Foreign, Commonwealth & Development Office covering health, security, local laws, passport and visa information as well as much more visit Foreign travel advice . This advice can change so make sure to regularly check for updates or sign up for email alerts for your destination(s).

Complete the form below and we’ll send you your quote as soon as possible. Should you wish to discuss any part of your proposed trip, do give us a call on 01935 816920 .

Travel Insurance

Our travel insurance with endsleigh.

For your safety and security, you must have insurance when travelling with us, whether it be your own school’s policy or the insurance we provide through Endsleigh. We highly recommend our insurance because it is tailored specifically for schools with specialist insurance policies for individual tour types.

If you’re unsure about any aspect of the cover provided, or you or any of your group member’s circumstances are such that you think the cover will not be valid, please contact us on 01935 816920 as soon as you become aware of this.

All insurance is a single trip policy valid only for your booking with Kipling Tours.

Visit the following links to review the policy documentation:

• Policy Wording
• Covid Enhancement
• Product Summary – Tours Costing Up To £1500
• Product Summary – Tours Costing Up To £3000
• Statement of Insurance – Tours Costing Up To £1500
• Statement of Insurance – Tours Costing Up To £3000

If your tour includes any sport or adventure activity, an additional endorsement certificate will be issued to identify this. Sports and activities are separated into two categories, identified on the endorsements. Please contact us if you need further guidance.

• Sports and Activities – Category 1
• Sports and Activities – Category 2

Pre-Existing Medical Conditions

It is a special feature of this policy that all pre-existing medical conditions for students under the age of 18 and travelling to Europe are covered as standard under the terms of the policy and there is no additional premium to pay nor declaration to be made.

Pre-existing medical conditions are not covered for the following participants or tour destinations:

• Any students who are aged 18 years or over on the day of departure,
• Any staff or adult tour members,
• Any tours to destinations outside of Europe, irrespective of whether participants are aged under or over 18 years

Please carefully read page 9 of the Policy Wording ‘Important Conditions Relating to Health’ for further details about pre-existing medical conditions.

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Travel Insurance for School Trips

Any parent wants their child to be safe at all times, but when it comes to school organised trips, both in Australia and internationally, travel insurance could easily be overlooked. You might assume that the school has insurance policies in place to protect the institution, teachers, and students, but these seldom extend to activities off school property, and certainly not to any trips involving long-distance travel.

When your child travels locally or internationally – both for educational trips, and extra curricular activities – you could take out a travel insurance policy for them, but this only covers them individually. And if all the children in the group end up with individual travel insurance, making claims becomes a nightmare to manage properly, increasing the possibility of mistakes being made, and claims being denied.

A collective school travel insurance policy offers several benefits over individual policies, including:

• Affordability  – a group school travel insurance policy could work out considerably cheaper than individual policies.
• Same benefits  – individual policies would see everyone having access to different types of benefits, while a group policy sees everyone having the same benefits, leading to much less confusion, or the possibility of inadequate cover.
• Convenience  – a single school travel insurance policy brings with it a single policy document, making it easier to manage and travel with. And the claim process remains the same, no matter who the claim is for.

School travel insurance policies are available for both travel within Australian borders, and international travel involving 10 or more learners, accompanied by one or more adults, where everybody is following the same itinerary.

We’re able to assist with finding the best, and cheapest school travel insurance quotes for you to compare, tailored for your exact needs. And requesting these quotes – and buying the insurance – is incredibly simple, and can be done online. All we need to get started are the details of the contact person, travel dates, main destinations, and the number of adults and children under the age of 21 in the group. Information such as pre-existing medical conditions of anyone in the group, along with additional cover requirements will ensure we are able to find the right cover for your school trip. All that’s left for the school to do is assess the quotes we provide, and then select the one that matches their needs.

Depending on the level of cover you select, everyone on your school trip can expect benefits that may include:

• Any cancellation fees or lost deposits for full cancellations or delays.
• Lost, stolen, or delayed luggage, including sporting equipment and any other special luggage your group travels with.
• Most medical and in-hospital expenses.
• Costs associated with travel delays, depending on the cause of the delay.
• Accidental death or disability.
• Emergency evacuations.
• Liability for damage to property, or injury or death of a third party.
• Loss of or damage to declared special equipment, including cameras and laptops.

Once you have selected and bought a school travel insurance policy, it is very important that you distribute a copy of the policy to all parents with children going on the trip. This will ensure that they are aware of the precise benefits of the policy, along with specific exclusions, along with the process for initiating a claim. If any special documents are needed, check that each child has these, and that you have a backup copy for added security. It is also important for the person accompanying the children to have a detailed understanding of the claims process, should the need arise.

We can help you get the right school travel insurance and save money, whether you’re travelling to the other side of Australia, or the other side of the world.

• Best overall
• Best for expensive trips
• Best for exotic trips
• Best for annual plans

How we reviewed travel insurance for seniors

Best travel insurance for seniors of may 2024.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you have travel insurance that covers any health-related issues arise while you travel.

Our top picks for the best senior travel insurance

• Best overall: Allianz Travel Insurance
• Best for expensive trips: John Hancock Travel Insurance
• Best for exotic trips: World Nomads Travel Insurance

Best for annual plans: Travel Guard

How we rate the best senior travel insurance companies »

Compare travel insurance for seniors

Your health gets more unpredictable as you age, which makes travel insurance more important for seniors. Unfortunately, it's also more expensive. The best travel insurance for seniors won't have too steep of a price hike compared to rates for younger travelers. It will have high coverage limits for emergency medical coverage, trip cancellations, and and emergency medical evacuation. It's also important that your travel insurance offers pre-existing condition waivers , ideally at no extra cost to the traveler. 

Here are our picks for the best travel insurance coverage for seniors in 2024.

Best overall: Allianz

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

Allianz Travel Insurance is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies , for example, cover any trip you make during your policy period, even if they aren't yet planned, making it an excellent option for seniors who vacation multiple times per year.

Read our Allianz Travel Insurance review here.

Best for expensive trips: John Hancock

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3 travel insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason rider available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable travel insurance premiums
• con icon Two crossed lines that form an 'X'. Reviews of claims process are mixed
• con icon Two crossed lines that form an 'X'. Buyers may not get specialty coverage for sports equipment and other high value items
• Trip cancellation for 100% of the trip cost
• Trip interruption insurance for up to 150% of the trip cost
• Emergency medical coverage of up to $250,000 per person
• Medical evacuation coverage of up to $1,000,000

John Hancock Travel Insurance plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason) . Plus, getting a free online quote is a quick and straightforward process.

Read our John Hancock Travel Insurance review here.

Best for exotic trips: World Nomads

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance is a great choice for active senior citizens under 70 who want comprehensive travel insurance. The key difference between World Nomads and many other providers is that it covers 200+ adventurous activities like scuba diving, mountain biking, surfing, skiing, and even bungee jumping. In addition, World Nomads' trip cancellation and emergency medical coverage includes COVID-19-related issues. Many other insurers are excluding that type of coverage now.

For adventurous senior citizens over the age of 70 years, World Nomads suggests working with its partner, TripAssure .

Read our World Nomads Travel Insurance review here.

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
• con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

• Trip cancellation coverage for up to 100% of the trip cost
• Trip interruption coverage for up to 150% of the trip cost
• Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
• Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Travel Guard  offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan.

This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a preexisting medical condition waiver, meaning those with certain medical issues can still gain coverage.

Read our AIG Travel Guard Insurance review here.

Understanding travel insurance for seniors

Before diving into the specifics, it's essential to understand what travel insurance is and why it's particularly important for senior travelers. The best travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.

Types of coverage

• Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
• Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
• Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.

Benefits of travel insurance for seniors

• Peace of Mind: Knowing you're covered in case of emergencies can make your travel stress-free.
• Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
• Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.

Making the most of your plan

After choosing a plan, it's crucial to understand your policy fully and know what services are available to you in case of an emergency.

Understanding your policy

• Read the fine print and understand the claims process to avoid surprises.

Emergency assistance services

• Familiarize yourself with the emergency assistance services offered by your plan and keep all necessary contact information handy.

How to pick senior travel insurance

It's wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you're a senior citizen include:

• Travel medical coverage - This coverage will pay for your medical bills outside the US.
• Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
• Preexisting conditions - Coverage for known health conditions. You'll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a preexisting condition waiver .
• Cancel for any reason (CFAR) - The name says it all! It'll cost extra and you'll need to purchase insurance early, but it's the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
• Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
• Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
• Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers preexisting conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover preexisting conditions. You'll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You'll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:

• Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
• Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers .
• Coverage for preexisting conditions: Preexisting conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for preexisting conditions.
• Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
• Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about our insurance rating methodology here.

Seniors should look for travel insurance policies that offer comprehensive medical coverage, including for preexisting conditions and emergency medical evacuation. They should also consider policies with higher coverage limits to ensure adequate protection. Additionally, seniors should seek travel insurance plans that provide 24/7 assistance services, as well as coverage for trip cancellations, interruptions, and baggage protection.

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. However, assuming all other factors are the same, you'll pay more for travel insurance at 70 than at 30.

All travel insurance companies, except World Nomads, included in this guide offer coverage for pre-existing medical conditions as long as you buy your policy within the qualifying period from when you placed your trip deposit.

Allianz is the best travel insurance for seniors due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies , which could make sense for seniors who travel frequently.

In some instances, travel insurance companies will have age eligibility restrictions, often only insuring people 80 years old and younger.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Is travel insurance worth it?

April 30, 2024 | 2 min read

Planning a trip and wondering if you need a travel insurance policy? Keep reading to learn more about travel insurance to decide whether it’s right for you.

Key takeaways

• Travel insurance can provide financial protection if things go wrong before or during a trip.
• You might get travel insurance to cover potential losses from trip cancellations or delays, lost baggage or medical issues.
• Factoring in details specific to your trip and balancing with existing coverage might help you decide whether travel insurance is right for you.

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What does travel insurance do?

Travel insurance is a type of specialized protection that might help protect against financial losses from airline delays, medical issues or other unexpected occurrences. Some travel insurance plans focus on specific things, like lost baggage or health care. Others offer a wide range of benefits under a single plan. It’s a good idea to make sure you understand the terms and conditions, because coverage varies.

When might travel insurance be beneficial?

Some of the situations where it can help to have travel insurance include:

Interruptions and cancellations

Trip delay insurance covers food and lodging expenses if you experience an airline delay. Trip cancellation insurance can reimburse your prepaid costs if an illness forces you to cancel entirely.

Baggage issues

Baggage loss coverage can reimburse you if your luggage is lost, stolen, damaged or delayed.

Medical emergencies

Travel health or medical insurance can cover everything from medication to emergency medical evacuation if you become sick or injured when traveling abroad .

When might travel insurance be unnecessary?

There’s no right or wrong time for travel insurance. It depends on your circumstances. But when deciding whether travel insurance is worth it, you can consider things like:

• Type and length of trip: If the trip’s refundable, you might not need extra protection. And a short or cheap trip might not be worth the cost of coverage.
• Your existing coverage: Check existing policies and agreements. If you have coverage through your health insurance provider, credit card issuer or card network, you may not need more.

Considering travel insurance in a nutshell

Travel insurance can offer peace of mind if anything goes wrong before or during a trip. But it may not always be worth it. If you’re considering travel insurance coverage, looking at your situation, your trip and the terms and conditions of your existing insurance policies could help you determine whether the benefits outweigh the costs.

If you’re interested in getting insurance coverage from a credit card, you can check out the benefits that come with Capital One rewards credit cards .

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You must have valid travel insurance in place at time of making a booking. If you are intending to use our policy, please check before paying deposits that it provides sufficient cover for your particular needs.

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