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Student Travel Insurance

Backpacking through the balkans interrailing around the swiss alps.

Don’t forget Admiral Travel Insurance when you plan your trip of a lifetime.

Travel insurance  might be the last thing on your mind when organising your epic trip. But when you’re carrying all your belongings in a backpack and intend to be away for a while, having the right cover in place should be a vital part of your plans.

Covid-19 - what our travel insurance covers

Our travel insurance now covers you for certain events related to Coronavirus (COVID-19), provided you have proof of a positive Covid-19 test and your cover is active at the time of the event.

What we cover

We provide cover for some costs related to Covid-19: please see Section 1 'emergency medical costs and repatriation' and Section 2 'cancelling or cutting short your trip' in your policy book for full details on what's covered.

We'll cover you if:

  • you were diagnosed with Covid-19 before your trip was due to start
  • a close relative died or became seriously ill as a result of Covid-19 before your trip was due to start
  • you weren't allowed to board your pre-booked outbound travel due to symptoms of Covid-19
  • an insured person or a close relative died during the trip because of Covid-19
  • you couldn't take part in an excursion due to you self-isolating after getting Covid-19

What we don’t cover

You won't be covered if:

  • you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or started your trip
  • any government or public authority imposes travel restrictions or quarantine on a community, location, or vessel because of Covid-19 (this includes, but is not limited to, local lockdowns, entry requirements, being denied entry and airspace closures)
  • you have to quarantine after arriving in the UK or abroad
  • the Foreign Commonwealth & Development Office (FCDO) change their advice to avoid ‘all travel’ or ‘all but essential travel’ to your destination because of Covid-19

For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page . And remember to check the policy booklet carefully before you buy to make sure our cover meets your needs.

What kind of student travel insurance will I need?

The policy you need depends on how long you'll be travelling for. If you're lucky enough to be taking a few months – or even a year – to travel, then you'll need a policy that covers you for the full duration.

Unlike many single trip policies that cover you for up to 31 days away, our single trip policy covers you for 365 days, as long as you don't come back to the UK at all during that period.

If you're breaking up your travels over the course of a year, or studying abroad as part of your university course and planning to return to the UK after each term, then an annual policy – which allows multiple trips abroad, up to 31 days per trip as standard – could be right for you.

Admiral Student Travel Insurance comes with three tiers to choose from – Admiral, Admiral Gold and Admiral Platinum – with increasing coverage and product benefits.

Read the full list of benefits in the policy summary booklet .

student travel insurance uk

Which countries does student travel insurance cover?

Your student travel insurance needs to cover you in all the countries you're visiting, as well as every stop you make on the way (even if you're only passing through the country on an interrailing trip).

If you're heading to Europe, a  European travel policy  should meet your needs. We also include the following countries in our European travel insurance:

If your student travels are taking you further afield – to America,  Australia  or the Caribbean for instance – you'll need to look at a  worldwide insurance policy  instead.

We offer two options:

  • Worldwide excluding USA, Canada, Caribbean and Mexico

What's the difference between standard and student travel insurance?

Most travel insurance policies will cover you for things like:

  • Loss or theft of personal belongings
  • Travel delay

But if your student trip is going to last longer than the average holiday and you'll be trying out some extreme sports along the way, then you may need to look at some additional or specialist cover. Check the  policy booklet  or  contact us  to find out if the activity you want to do is covered.

Volunteering or working abroad

Whether providing childcare in a developing country's orphanages, helping on sustainability projects in a rainforest in Peru or feeding pandas at a conservation project in China, volunteering for a great cause abroad is a fantastic thing to do when you're a student.

It's a feel-good and do-good experience you'll treasure forever.

Maybe you're planning on working your way through your travels, taking on temporary jobs to help cover the cost of your adventures.

Our  travel policies  will cover you for your trip as long as you're not doing manual work. We define this as ‘paid or unpaid manual work or physical labour of any kind’.

For example, we won’t cover activities that require any heavy lifting or risk physical injury. If you’re unsure if what you plan to do is considered manual work,  call our team  to double check.

Student ski travel insurance for skiing and adventure holidays

We know relaxing on a beach isn't everyone's idea of fun. If you're planning to try new experiences and activities on your travels, make sure you check your  travel insurance policy booklet  first.

While our standard travel insurance covers you for active pursuits such as sail-boarding and surfing, anything riskier like diving with sharks or canyon swinging (yes, it's a thing!) will require a ‘hazardous activity' upgrade to your policy.

And if you're hitting the slopes, you'll need our  winter sports insurance  upgrade to cover your ski equipment and activities from skiing to snowmobiling. Without this upgrade, your trip won’t be covered at all.

Accidents and illness can happen, of course, so don't forget your European Health Insurance Card (EHIC) if it’s still in date. Otherwise you should apply for a new Global Health Insurance Card (GHIC) . These cards aren’t a substitute for travel insurance, though.

They entitle you to emergency care but treatment may not be free, and the cards won't cover extra costs such as those of getting you back to the UK in a medical emergency.

What about gadget travel insurance?

We know you won't want to be parted from your tech on your travels – how else will you Skype your family or Instagram your latest location?

But accidents happen, and expensive gadgets can get lost or stolen, so check your policy covers things such as smartphones, cameras or tablets.

If the value of your tech adds up to more than the valuables limit under your personal belongings cover in your travel insurance, you can add on gadget cover.

Admiral's gadget travel insurance pays up to £1,500 for gadgets that are lost, stolen or damaged on your trip.

What if I have a pre-existing condition?

A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance. This includes having symptoms, tests, diagnosis or medical treatment for a condition.

You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913 .

Your pre-existing conditions won’t be covered unless you’ve:

  • Declared them all on your policy
  • Received written confirmation that we’ll cover your medical condition
  • Paid any additional premium in full

Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on your policy.

If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.

For a quote with us, click the green button above.

The MoneyHelper directory

If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medical directory.

If you wish to get in touch with them you can call them on 0800 138 7777 or find them online . (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)

Need help with your quote? Give us a call.

  • Monday to Friday: 8am - 10pm
  • Saturday: 9am - 6pm
  • Sunday: 10am - 6pm

Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines.

Getting the most out of your trip

Going anywhere nice.

Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.

Travel insurance that suits you

Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.

Family Travel Insurance

Travelling while pregnant, travel insurance over 65, travelling with medical conditions, travel insurance upgrades.

Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy.

Cruise Travel Insurance

Ski travel insurance, gadget travel insurance, adventurous sports insurance, single trip insurance, annual trip insurance.

HelloSafe » Travel Insurance » What Are The Best Student Travel Insurances?

What Are The Best Student Travel Insurances?

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Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.

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Table of Contents

Your are student and you would like to buy the right travel insurance that’s tailored to your age range and kind of trip?

You’ve come at the right place.

In the below guide, we will tell you everything you need to know about student travel insurance: is it compulsory, which cover should you get, what travel insurance terms you should pay attention to, etc.

Why does students need travel insurance?

Students need travel insurance just like anybody else to be covered for unexpected event that can go wrong such as:

  • medical treatment abroad
  • lost or stolen baggage
  • repatriation in emergency
  • accident while practicing sport etc.

Additionnaly, students are frequent travellers and are therefore even more likely to need assistance abroad.

Just to show you how important applying for travel insurance is, here are a few examples of what an unfortunate and unexpected event might cost you during an example holiday:

Good to know

Did you know that a survey conducted by Which in 2018 showed that of 10 000+ UK travellers of all age ranges, 64% had medical treatment while they were travelling abroad? The average medical spend abroad is around £1300 but it can be much more.

Depending on your trip destination, the medical expenses or trip cancellation fees you may have to face as a student could really leave you out of pocket. This is why a comprehensive travel insurance – providing you with financial compensation and assistance – is a must-have.

Compare best travel insurances for students

In order to save you time (and money!), we’ve came up with a non-exhaustive list of companies to help you finding the right student travel insurance, that is tailored for your age range and kind of trip (study abroad, gap year, single trip to discover the world with uni friends etc.):

Always carefully check insurers’ policy booklets before leaving your child alone on a trip. Understand the exclusions of the travel insurance you applied for.

Which student travel insurance policy should I go for?

It depends on what you are planning to do:

  • your destination(s)
  • the length of your stay
  • your activities abroad.

What travel insurance should I get for backpacking around the world?

As mentioned above, if you are a student leaving UK to discover the world, you should get a specific backpacker travel insurance plan.

If you are a student backpacking, you may want to use your money in booking flights rather than hotels and fancy restaurants. You are more likely to stay in hostels, order affordable foodtrucks meals etc. You may want to get flexible travel insurance in line with your flexible itinerary. You therefore represent a higher risk than standard family travellers for example.

Backpackers dedicated travel insurance plans usually take that into account offering extras such as flexible cancellation cover, gadget cover or adventurous activities cover as standard.

Many insurers offer dedicated plan tailored for this kind of trip as mentioned above.

How much is student holiday insurance?

Student single trip travel insurance are often very affordable policies. For as cheap as £1 per day, you could let your child travel alone with peace of mind.

The table below shows indicative quotes for students travel insurance:

* Prices above are for a 25 years old student .

It is, however, quite difficult to give precise ranges of how much a travel insurance will cost as prices are based on a wide range of criteria. It will mainly depend on:

  • If you are travelling alone on a single trip or as a couple, as a group, on multi-trips etc.
  • If you’re subscribing to students upgrades such as gadget cover
  • If you have pre-existing medical conditions (epilepsy travel insurance for example)
  • The duration and destination of your stay
  • The financial limits you’d like to get in case of a claim
  • The excess amount you’re willing to pay
  • What you will be doing abroad (winter, extreme sports).

Is student travel insurance compulsory?

No, travel insurance is not a legal requirement no matter your age range.

However, although not compulsory, we strongly advise you to apply for a travel insurance policy to cover any trip cancellation, repatriation expenses, loss of baggages you may have to face while travelling.

What travel insurance for students should cover?

Each travel insurance policy is different, since it is the insurer who determines the content of the contracts it offers: guarantees, compensation limits, deductibles, travel insurance prices, etc.

However, all contracts on the market must include at least the following guarantees, applicable in Europe or worldwide:

  • Medical expenses: compensation by the insurer for your health expenses during your stay (consultation, analysis, emergency treatment, longer hospital stay, etc.)
  • Repatriation assistance to the UK: financial and logistical support by a dedicated 24/7 team for your early return to your country of residence if it proves necessary
  • Trip cancellation and cover for delayed or missed departure: compensation if you need to cancel your trip for whatever reason or if you missed your departure
  • Personal liability: compensation for any damage or injury made to a third party (consider adding it as extra if not included in standard cover)
  • Baggage: compensation for any lost or theft of baggage while travelling(consider adding it as extra if not included in standard cover)

Most of the time, travel insurers offer different formulas. Cover types involved are usually the same but the compensation limits and deductibles vary.

When applying for under 16s holiday insurance abroad, you should pay close attention to:

Always carefully check the age limit and compensation amounts as well as deductibles you’ll have to pay in case you need to make a claim. For medical expenses, always get your insurer to accept them before paying if you need to advance fees.

As nice-to-have features, you may want to get:

  • dental emergency treatment abroad
  • money and cash stolen (although it is often included in standard policies)
  • loss of passport or official documentation.

What does student travel insurance not cover?

Most student travel insurers will not give financial compensation for:

  • Any claim made as a result of a pre-existing medical condition or pending diagnosis undeclared at the time of purchase
  • Any claim made as a result of you being under the influence of drugs or alcohol
  • Difficulties due to natural disaster, war, civil unrest (look out for strikes)
  • Any claim made as a result of a terrorist act (except if you took out this cover as an option)
  • Any claim made as a result of extreme sport practice not disclosed at the time of applying.

We would strongly advise you to carefully check your policy booklet for the main exclusions before leaving home. 

What travel insurance options for students can I get?

We’ve noticed that insurers emphasizes on the following extras for the under 16s age range:

Tips for students travel insurance

  • Always pay attention to destination, maximum number of days and exclusions (sports, strike, cancellation trip due to carrier default, etc.) in your insurer policy booklet before choosing one.
  • If you are away practicing sport, always check that the activity you're doing is covered by your travel insurance policy.
  • Always take with you your European Health Insurance Card if you are travelling to Europe . It will cover you for any routine medical treatment as a local resident. That is not, in any case, a substitute for travel insurance though.
  • Carefully check the claim process of each insurer before choosing one : do you have to pay fees upfront? How many days does it take to be reimbursed? Can I claim online?
  • Protect all your items (gadgets, laptops, smartphones, camera, sunglasses, music instruments etc.) and check the valuable limits for each included in your travel insurance.

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications. In this sense, his role leads him to carry out steering and support work with all HelloSafe editors and contributors so that the editorial line defined by the company is fully respected. and declined through the texts published daily on our platforms. As such, Alexandre is responsible for implementing and maintaining the strictest journalistic standards within the HelloSafe editorial staff, in order to guarantee the most accurate, up-to-date information on our platforms. and expert as possible. Alexandre has in particular undertaken for two years now the implementation of a system of systematic double-checking of all the articles published within the HelloSafe ecosystem, able to guarantee the highest quality of information.

Navigator Travel Insurance

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Student Travel Insurance for Holidays or Studying Abroad

Students aren’t usually the most thorough when looking into things like travel insurance. There’s more emphasis on the entertainment side of things than the boring, administrative tasks. However, it’s just as important that students get the right travel insurance policy as anyone else so they are covered when they head out on their holidays. At Navigator, we want to make the process as easy as possible so students can focus on what they do best: having fun.

If you are studying at an overseas university, you may encounter problems getting travel insurance for students in your second or third year, due to a residency requirement on many UK travel insurance policies. Many of these long stay policies have a rule in the small print, which states that, to be eligible to buy this policy, you must not have been out of the UK for more than 6 months during the 12 month period prior to buying the policy. Obviously, if you have been at an overseas university for most of the previous year, you cannot buy this type of cover. However, the long stay versions of our Silver or Gold policies do not have this wording. To be eligible under the residency requirements of these two policies, you just need to have a home in the UK or EU and be registered with a GP here. There are no restrictions on the amount of time that you have spent out of the UK/EU in the previous year.

The range of insurance policies we have, cater for any student travel insurance requirements, whether you’re heading out on a 3 month , extended summer trip or a 5-day tour with your sports team. We know students are looking for cheap student travel insurance, though it’s still important to have all your activities covered. If you go on football tour and don’t have a travel insurance policy which covers sporting activities then you’ll be in trouble if you suffer an injury on your trip. Likewise, there’s no point getting a hugely expensive adventure policy if you only plan on going on a beach holiday for a week .

The last thing students want to spend time doing is reading the small print on a complicated travel insurance policy, though it is important to understand exactly which one is best for you so you don’t end up finding out the hard way that the cheap cover that you found online won’t cover half of the things that you want to do. If you take expensive belongings away with you like iPods or mobile phones then you need to be aware of the limitations on cover for these items. You should look carefully at the Single Item Limit and Total Valuables Limit on travel insurance policies. These electrical items are classed as “valuables” and cover is always very limited for these. Navigator Travel’s  Travel Insurance Tips & Advice  page provides a breakdown of the pitfalls when selecting a policy so that you don’t get stung like this when you should be enjoying yourself.

Our aim at Navigator is to help you find the perfect travel insurance for students, with the least hassle possible, offering all the information up front in a simple and easy to understand format. We are also available to discuss any issues personally with you  via phone or email  if necessary.

Depending on the nature of your travel throughout your years of studying, we have a number of policies to choose from which fall into 3 main categories:

  • Annual Multi Trip Travel Insurance
  • Long Stay Single Trip Travel Insurance
  • Short Stay Single Trip Travel Insurance

Whatever your travel plans, you will get the cover you need right here. If you can’t find the information or the policy you are searching for then call us direct on 0161 973 6435 and we will do our best to find the perfect policy for your needs.

Annual Multi-Trip

Cover for multiple trips.

  • Up to 45 days each trip
  • Option to extend to 62 days
  • Special deals for couples and families

Long Stay Single Trip

Cover from 2 to 18 months.

  • Extended backpacking
  • Career breaks
  • Volunteering
  • Working holidays abroad

Short Stay Single Trip

Cover for up to 45 days.

  • Single holiday
  • Business trip
  • Special rates for families
  • Accompanied kids go free

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  • Travel Insurance Policies
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Check out our blog below:

When Can You Fly With A Newborn?

When Can You Fly With A Newborn from the UK?

Can you Fly with a Catheter Bag?

Can you Fly with a Catheter Bag from the UK?

Can you Fly with Heart Arrhythmia?

Can you Fly with Heart Arrhythmia from the UK?

Can You Fly With Varicose Eczema?

Can you Fly with Varicose Eczema from the UK?

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Holiday Makers

Families, couples or individuals.

Families, couples or individuals on holiday or business trips for shorter durations.

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gap years, Backpackers and Career break

Usually couples or individuals requiring cover for longer term overseas trips of 2 months or more.

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We offer four policies for people travelling overseas, requiring cover for specific sports and activities.

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Student Travel Insurance

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At Holidaysafe we understand that studying at College or University can be extremely stressful, which is why students should take full opportunity of their breaks to take holidays with friends/family and unwind.

Students have enough to worry about without finding cheap travel insurance to protect them during the trip. Our award-winning policies offer multiple levels of cover so you can choose travel insurance which suits your need and your budget.

Benefits of Holidaysafe’s Travel Insurance policies include:

  • Featured on the Which? Best Rate tables ☆
  • Cover starts from just £6.32¹
  • European and Worldwide options available
  • We offer automatic cover for over 100 sports and activities. We also offer an affordable winter sports extension for any skiing or snowboarding enthusiasts
  • Gadget cover included as standard
  • Cover if your personal possessions or cash are lost, stolen or damaged, plus much more including cancellation, mugging, medical emergencies and travel delay
  • We aim to make our policy wordings as clear and concise as possible, ensuring you know what you’re covered for up-front
  • To find out more benefits of our travel insurance, read our dedicated travel insurance benefits page

If you’re looking for cover for a longer trip up to 24 months in duration for a gap year or a backpacker adventure, visit our dedicated Gap Year Travel Insurance page for more information .

Our student travel insurance is ideal if you are:

  • A student taking a gap year trip
  • Studying abroad
  • Taking a working holiday
  • Volunteering abroad

Working abroad can be an amazing way to enhance your CV and stand out from the crowd. It allows you to experience various other cultures, test out places to live and careers, or simply use the money that you are earning to purchase your next plane ticket.

However, going abroad doesn’t have to be all about working or saving money. You could also simply go away and spend money experiencing new things by going interrailing around Europe or backpacking around Asia. To ensure that you and your trip are protected against any unexpected holiday disasters such as medical emergencies or lost possessions, it’s important to invest in quality travel insurance!

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Award Winning Travel Insurance

  • Featured in the Which? Best Rate tables since 2010 ⱽ
  • Finalists - 'Best Travel Insurance Provider' in the 2022 Insurance Choice Awards

Travel Insurance Recommended Provider of the Year

¹ Pricing based on a 21 year old travelling to ‘Europe excluding Spain’ for three days, if the policy is taken out within 93 days of travelling on a Holidaysafe Standard Single Trip policy. Prices correct as of 01/12/20233

☆ The Which? Best Rate feature applies to Holidaysafe’s Premier cover, based on a 24-day Single Trip policy with Worldwide excluding Mexico cover. The table was last updated on Which?’s website on 30/06/2023.

Ɨ Please note, Holidaysafe’s online price automatically includes a 15% online discount against our Customer Service Centre prices. This is discounted from our core policy price before you add any additional cost of optional extensions or additional medical premium.

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Holidaysafe is a trading name of Travel Insurance Facilities Plc, which is authorised and regulated by the Financial Conduct Authority FRN 306537. Registered Office: 1 Tower View, Kings Hill, West Malling, ME19 4UY. Travel Insurance Facilities Plc registered in England No. 3220410. All rights reserved. All policies offered are on a non-advised basis.

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Embarking on a journey as a student can be an exciting and enriching experience, whether it is studying abroad, participating in an exchange program, or simply traveling during school breaks. However, along with the thrill of exploration comes the need for protection against unforeseen circumstances that may disrupt your plans or pose financial risks. This is where student travel insurance comes into play. In this comprehensive guide, we’ll delve into the intricacies of student travel insurance, covering everything from what it is and why it is essential, to the benefits, coverage options, costs, and more.

Understanding Student Travel Insurance

Why is student travel insurance essential, benefits of student travel insurance, coverage options, importance of student travel insurance, cost of student travel insurance, how to purchase student travel insurance.

Student travel insurance is a specialized type of insurance designed to provide coverage and protection to students traveling domestically or internationally for educational purposes. Whether you’re studying abroad for a term, participating in a student exchange program, or taking a gap year to travel and explore the world, having the right insurance coverage is crucial. Student travel insurance offers peace of mind by mitigating the financial risks associated with unforeseen events such as medical emergencies, trip cancellations, baggage loss, and more.

Traveling as a student can be an exciting and rewarding experience, but it also comes with its share of risks and uncertainties. Medical emergencies, trip cancellations, lost baggage, and other unforeseen events can not only disrupt your plans but also result in significant financial losses. Student travel insurance provides a safety net by offering financial protection and assistance when you need it most. Whether you’re studying abroad or traveling for leisure, having the right insurance coverage ensures that you can focus on your education or exploration without worrying about the what-ifs.

Student travel insurance offers a range of benefits tailored to the unique needs of students. One of the primary benefits is medical coverage, which includes reimbursement for emergency medical expenses, hospitalization, doctor visits, prescription medications, and medical evacuation. This ensures that students receive necessary medical treatment without incurring exorbitant out-of-pocket expenses. Additionally, student travel insurance typically covers trip cancellation or interruption due to reasons such as illness, injury, death of a family member, natural disasters, or other emergencies. Other benefits may include coverage for lost or delayed baggage, emergency evacuation and repatriation, personal liability, and more.

Student travel insurance policies vary in coverage options and benefits, so it is essential to carefully review the policy terms and conditions before purchasing. Some policies may offer comprehensive coverage, including medical expenses, trip cancellation, baggage loss, and more, while others may provide more limited coverage tailored to specific needs or budgets. Additionally, students may have the option to customise their coverage by adding optional benefits, such as adventure sports coverage, Cancel For Any Reason (CFAR) coverage, or coverage for pre-existing medical conditions. Understanding the coverage options available and selecting the right policy for your needs is key to ensuring adequate protection while traveling as a student.

The importance of student travel insurance cannot be overstated, as it serves as a crucial safeguard for students embarking on educational journeys abroad or domestically. Traveling as a student often involves unique risks and uncertainties, ranging from medical emergencies to trip cancellations and lost baggage. Student travel insurance provides essential coverage and protection against these unforeseen events, ensuring that students can focus on their studies or exploration without worrying about potential financial setbacks. Additionally, student travel insurance offers peace of mind to students and their families with the knowledge that they have access to assistance and support in the event of emergencies while away from home. By investing in student travel insurance, students can mitigate risks and enjoy their educational experiences with greater confidence and security.

The cost of student travel insurance varies depending on factors such as the duration of coverage, destination, coverage limits, and optional benefits selected. Generally, student travel insurance is relatively affordable compared to other types of insurance, making it accessible to students on a budget. Premiums may range from a few pounds per day for basic coverage to much more for more comprehensive policies with additional benefits. While cost is undoubtedly a consideration, it is essential for students to prioritize adequate coverage and protection when choosing a travel insurance policy.

Purchasing student travel insurance is a relatively straightforward process, offering students peace of mind as they embark on their educational journeys. To begin, students can explore various insurance providers online, comparing policies, coverage options, and premiums to find the best fit for their needs and budget. Many insurance companies offer user-friendly online platforms where students can easily enroll by providing essential information such as travel dates, destination, and any optional benefits desired.

It’s crucial for students to accurately disclose relevant details, including medical history, to ensure they receive adequate coverage. Once enrolled, students should carefully review their policy documents to understand the terms and conditions, as well as any exclusions or limitations. If there are any questions or concerns, students can reach out to their insurance provider for clarification before embarking on their journey. With the right student travel insurance in place, students can travel confidently, knowing they have protection against unforeseen events that may disrupt their plans or pose financial risks.

Student travel insurance is a valuable investment for students traveling domestically or internationally for educational purposes. It provides essential coverage and protection against unforeseen events that may disrupt your plans or pose financial risks. From medical emergencies to trip cancellations, lost baggage, and more, student travel insurance offers peace of mind, allowing you to focus on your education or exploration without worrying about the what-ifs. By understanding the benefits, coverage options, costs, and how to purchase student travel insurance, students can ensure they have the right protection in place for their journey ahead.

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Globelink

Student Travel Insurance

  • Student Travel Insurance with Covid Cover
  • Ideal Travel Insurance for Students studying abroad
  • Turing Scheme
  • Student Gap Year
  • Over 100 Adventure Activities as standard
  • Medical Expenses and Repatriation Cover
  • 24-hour / 365 Multi-lingual Assistance
  • Trip durations up to 15 months, plus extensions to 18 months
  • What’s covered
  • Geographical limits

What is student travel insurance?

International student travel insurance is similar to any other travel insurance but it's suitable for students. This Travel Insurance with Covid cover is a perfect way to stay protected while travelling as a student and seeing the world whilst studying and experiencing new sites and cultures. You should get this policy if you’re going abroad to study, or work as part of your study, you're on a turing programme, volunteering, or if you're taking a gap year, or time out before you start study or work abroad.

The main difference with travel insurance for students is that it usually covers you for a long stay trip abroad.

Travel Insurance coverage for Students studying abroad is essential. You never know what might happen and thing you want to worry about is getting ill or having an accident and not having medical cover or any local help. With Globelink you'll get Student Travel Insurance with Covid cover included as standard, so you're protected if you get Covid and need medical treatment while you're away.  Students who study abroad are particularly vulnerable because they may not have easy access to the local healthcare system; nor the support of family close by. With more educational opportunities available worldwide, make sure you're protected by reliable travel insurance if you opt for a study adventure. 

Globelink's international student health insurance is perfect if you are on a budget but still looking for reliable, comprehensive insurance. Choose a policy that suits your requirements. This could be one of our Globetrekker options or our Regular or Comprehensive policies. International Student Health Insurance is available wherever you plan to travel. You can buy one of our policies as long as your usual place of residence is UK, EU and EEA. Our products are all also available to Australian, New Zealand and South African passportholders currently living in the UK or EU.

Student Travel Insurance and international health insurance are general terms we use to describe our products that can cover students travelling abroad. Always check that the policy you chose suits your particular requirements by checking thoroughly whats covered and the terms that apply.

The Main Benefits:

Buy your International Student Travel Insurance as soon as you book your trip. That way you will be protected for certain cancellation risks even before you travel, such as an accident or illness (including catching Covid with 14 days of your trip and while you are away). You can choose which Travel Insurance for students studying abroad from all of our products as they can all be suitable for you depending on your particular travel needs and trip length. Just chose the benefit package that best suits you. Key Benefits include:

  • Emergency Medical and Repatriation Home Cover
  • Over 100 Adventure Activities covered for Free
  • 24 hour 365 multi-lingual Assistance Service for free
  • Cancellation and Curtailment cover
  • Personal Liability Cover

Attention! The European Health Insurance Card (EHIC) / Global Health Insurance Card (GHIC) provides some emergency healthcare within the EU, but it does not cover Repatriation costs, or a doctor or nurse escort home; nor lost or stolen property. You need Travel Insurance for that.

Is International Student Travel Insurance a legal requirement?

A travel insurance policy for those studying abroad, or students working abroad is not a legal requirement, but it may be part of your course entry requirements, or visa entry requirements to have travel insurance in place. Most travel experts and the FCDO agree that travel insurance is important to protect you while abroad. Travel Insurance cover for Students will give you financial security and peace of mind.

What's in a good Travel Insurance Policy for Studets?

This depends on what you need and the good news is study abroad travel insurance can cover all sorts of eventualities. Think about what you might need if something goes wrong, but as a minimum you should ensure cover for:

Injury or illness : including Covid cover. Your insurance should cover medical expenses (at least 5 Million) if you fall ill or have an accident while abroad.

Repatriation : if you need a medical repatriation home this could cost thousands, so ensure a good level of cover.

Baggage & personal possessions: if luggage is lost or stolen.

Trip cancellation, curtailment or delays : with Globelink this means you will have cover before you travel for certain risks including catching covid within 14 days of your trip.  You can claim if you are unable to travel to your destination for certain reasons such as serious illness or injury preventing you from travelling, or jury service. You will also be covered for the same reasons if you have to cut your trip short.

Top Tip: Remember to check behind the headlines and be aware of standard exclusions that usually apply, such as Pre-existing medical conditions (unless accepted by your insurance); Extreme sports; incidents linked to alcohol or drugs; any unlawful acts; some manual labour (if you plan to work while away).

Types of Student Travel Insurance available?

Backpacker / Globetrekker Travel Insurance cover - covers longer trips, for younger travellers on a budget. Globelink Backpacker policies cover people up to age 50 for up to 15 months (and the option to extend to 18 months subject to approval).  It’s ideal for students studying abroad, or gap years, or volunteering abroad. It's a good option for students. All policies include over 100 Adventure Activities for free plus 50 pre-existing medical conditions.

Single Trip Travel Insurance - covers one trip - whether its for a few days or up to 15 months, for people aged 89 yrs. Good for one trip overseas and you can choose from no frills budget options like Economy Cover, to full cover with a Comprehensive policy.

Multi-trip cover - covers you for multiple trips per year up to 120 days at a time.

Can I travel anywhere with international student health insurance?

Our backpacker student travel insurance gives worldwide cover, or you can choose a different geographical area as long as your destination is included.

Top Tip: Think about other places you may visit or pass through while you're away. It may be cheaper to opt for a worldwide Globetrekker policy to give you flexibility to travel while you are studying abroad.

Always check and comply with your local Government advice on travel. For UK residents this is the FCDO.

It’s always a good idea to take out travel insurance as soon as you know you’re going away, but remember to take care of yourself and your belongings - especially while you are away and never leave your belongings unattended.

Globetrekkers Standard Cover

Don`t just travel on budget, get insured on budget too! Ideal for people aged under 51.

Ideal for people aged under 51 years old and backpackers on a tight budget but looking for an Emergency Medical Travel Insurance policy without the frills.

  • Cancellation or Curtailment - up to £2,000 in total
  • Emergency Medical Expenses - up to £5,000,000 in total
  • Baggage - Nil

Globetrekkers Standard Plus Cover

Gives you the essential backpacker cover plus protects your Baggage, Money, Passport etc.

Provides you excellent Emergency Medical Expenses cover plus the added protection of Baggage cover, Money, Passport, Personal Accident etc.

  • Baggage - up to £1,000 in total

Single Trip Travel Insurance

Single Trip Travel Insurance is designed for people aged up to 89 travelling independently or on a package holiday with a maximum trip duration of up to 15 months.

  • Cancellation or Curtailment - up to £6,000 in total
  • Emergency Medical Expenses - up to £10,000,000 in total
  • Baggage - up to £3,000 in total

Annual Multi-Trip Travel Insurance

Travelling more than once a year? Take as many holidays as you wish and be covered all year long! 17 days Winter Sports Cover FREE if you take out the 45 days policy.

Designed for most Individuals, Couples or Families who undertake several trips of up to 120 days within a 12 months period. For people aged up to 79 years!

  • Baggage - up to £3,000 in total

Backpacker Travel Insurance

Career breaker? Globetrekker? Globelink Insurance offer the budget solution for long stay journeys.

Aimed at under 51 years old backpackers on a tight budget up to a maximum of 18 months. Most adventure sports covered for free.

  • Cancellation or Curtailment - up to £2,000 in total
  • Emergency Medical Expenses - up to £5,000,000 in total
  • Baggage - up to £1,000 in total

J1 Basic Policy

Gives you the essential J1 cover for people aged up to 50.

Globelink J1 Basic Travel Insurance provides all the essentials if you are on a tight budget but still need a policy that exceeds the requirements of the US J-1 Visa exchange programme set by the U.S Department of State.

  • Cancellation or Curtailment - up to £1,500
  • Emergency Medical Expenses - up to £5,000,000
  • Personal Liability - up to £2,000,000

J1 Regular Policy

All the J1 essentials, plus baggage, money, exam failure cover and more, for people aged up to 50.

Globelink J1 Regular Travel Insurance provides all the essentials and much more. It exceeds the requirements of the US J-1 Visa exchange programme set by the U.S Department of State.

Frequently Asked Questions

What is overseas student travel insurance.

Study abroad insurance is similar to any other travel insurance but its suitable for students, so usually its available for long trip durations. Its  designed to prtect you while are on a trip, or studying abroad.

How much does International Student travel insurance cost?

It depends on what type of travel insurance policy you choose. The no frills, cheapest option for students is Single Economy (£ ) for short trips (check it covers what you need), or Backpacker cover (£ ) for longer stays.

See also: J1 visa travel insurance , gap year travel insurance , international travel insurance , travel insurance for working abroad , budget travel insurance , expat travel insurance , cruise travel insurance , annual travel insurance to Europe , best travel insurance , best value travel insurance , business travel insurance , camping insurance , cheap European travel insurance , cheap holiday insurance for over 65 , cheap travel insurance couples travel insurance , Easter travel insurance , essential travel insurance , extended travel insurance , extreme sports insurance , family travel insurance , fcdo travel advice , global travel insurance , group travel insurance , holiday travel insurance , last minute travel insurance , long stay travel insurance , long term travel insurance , one way travel insurance , worldwide travel insurance , yearly travel insurance , quick quote travel insurance , travel insurance for children , travel insurance for Europe , travel insurance for non UK residents , travel insurance to America , travel insurance for UK residents

Still have questions?

Globelink team will assist solving any of your questions over the phone 00 44 (0) 1353 699082.

Summary of the Cover Student Travel Insurance

Schedule of Cover and Limits of Indemnity per Insured Person (All Benefits are stated in UK Pounds)

Travel Insurance

Please read your Policy Wording carefully to ensure that it meets with your precise requirements. View and download the relevant Policy Wording* from the links below. If you purchased a Globelink policy previously while you were an EU RESIDENT, or you need to view the Policy Wording we issue to EU Residents, please click here to visit our Globelink EU site.

*If you purchased your Travel Insurance policy prior to Jan 2022, you can view your policy wording by reviewing your Globelink Travel Insurance Documents Purchase email, or obtain a copy by contacting [email protected] with your name and address details.

*if you purchased a STAYCATION Policy please see the *last PDF at the bottom of this page – for the Staycation Policy Wording

Policy Wording for Policies issued to UK residents (Living in the UK only) from from 29th November onwards .

Policy wording for policies issued to uk residents (living in the uk only) from 1st october 2023 to 28th november ., policy wording for policies issued to uk residents (living in the uk only) from 1st june 2022 to 30th september 2023 ., policy wording for policies issued to uk residents (living in the uk only) from 1st feb 2022 to 31st may 2022., policy wording for policies issued to uk residents (living in the uk only) from 30th dec 2020 to 31st january 2022, policy wording for policies issued to uk residents (living in the uk only) from 29th oct - 29th dec 2020, policy wording for policies issued to uk residents (living in the uk only) from 1st oct - 28th oct 2020, policy wording for policies issued to uk residents (living in the uk only) from 1st feb – 10th august 2020.

For reliable Travel Insurance, simply complete 5 quick & easy steps. Pay with your Visa, MasterCard, or PayPal and receive your policy documents by email in seconds.

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The Best Travel Insurance for Students

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Alisha is a freelance writer and photographer. She is the creator of travel and adventure site Terradrift.com and has written about travel and rewards for many publications, including American Way and Johnny Jet.

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Megan Lee joined the travel rewards team at NerdWallet with over 12 years of SEO, writing and content development experience, primarily in international education and nonprofit work. She has been published in U.S. News & World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Megan has built and directed remote content teams and editorial strategies for websites like GoAbroad and Go Overseas. When not traveling, Megan adventures around her Midwest home base where she likes to attend theme parties, ride her bike and cook Asian food.

student travel insurance uk

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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

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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

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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

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  • 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

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  • 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 some of the best travel credit cards of 2024 :

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

Chase Sapphire Reserve 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.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Chase Sapphire Preferred Credit Card

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.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Chase Southwest Rapid Rewards® Plus Credit Card

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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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..

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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 for affordability: 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 for affordability

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 track luggage and cover lost or delayed baggage.

Read our AIG Travel Guard review

  • Adult policies comes with coverage for one child under 17
  • 24/7 customer assistance
  • Emergency medical care and evacuation limits can be doubled
  • Cancel For Any Reason policy only reimburses up to 50% of trip cost.
  • Standard medical emergency coverage limit is lower than some competitors
  • 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.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money . And follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

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Student travel insurance plan

What's covered under travel insurance.

Trips can often take a long time to plan, and an even longer time to save up for, but only moments to be put into jeopardy. Whilst there's nothing anyone can do to prevent ash clouds or unexpected storms from closing airports, you can ensure you're travel plans are protected with a travel insurance plan.

To highlight the importance of getting yourself a travel insurance policy, we've detailed seven common examples of what could go wrong and where your travel insurance would step in to cover you:

It's 8 p.m. and you arrive at the airport for a connecting flight, only to find that your flight has been cancelled. Who can assist you with finding new flights to catch up with your trip? If you are delayed overnight, who will reimburse your expenses for meals and accommodations for the night?

Your bag was lost with your insulin inside. You need help to locate your bag as soon as possible and have an emergency prescription filled. Who do you call?

You arrive at your destination without your wallet. Where do you turn for emergency cash, and who will help you get your travel documents replaced?

If your sister becomes seriously ill and you must cancel your trip, what happens to your non-refundable deposits or pre-payments?

You arrive on time, but your luggage doesn't. If it's lost, who will help you find it? If it's delayed, who will reimburse your purchase of necessities? If it's stolen, who will reimburse the loss?

You slip and fall and twist your knee. Who can help you find an orthopedic doctor that specializes in knee injuries?

Already purchased travel insurance?

You can view/print your Policy details and FAQ's, review your claim status or report a new claim at Triple IP

For general questions relating to your plan or to file a claim by phone, please email Triple-IP at: e-mail:[email protected]

InsureandGo

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Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, student travel insurance.

  • Unlimited medical emergency expenses¹
  • Up to £10K cancellation cover
  • 24/7 emergency medical helpline

student travel insurance uk

Covered 27 million+ travellers

Trusted for 20+ years

24/7 emergency helpline

Whether you’re going on a quick getaway to take your mind off your studies, spending a term at a foreign university, or travelling the world on post-finals extravaganza, InsureandGo will have a student savvy insurance policy for you.

What is student travel insurance?

Students often want travel insurance that is as cheap as possible, but this can be a mistake if it doesn’t cover everything you need.

Our Budget policy is designed with travellers such as students in mind, being cheap but still covering the essentials – so you won’t get caught out. The policy can cover everything from short city breaks to backpacking odysseys! 

What does student travel insurance cover?

All of our student travel insurance policies include:

  • Cover for cancellation of your trip
  • Over  50 sports and activities  covered as standard (see policy wording for a full list)
  • Emergency dental treatment
  • Personal belongings and baggage cover
  • Personal money, passports and travel documents cover
  • Accommodation cover
  • Legal expenses cover

The excess and cover limits will vary depending on the policy chosen. Find out more in our  policy wordings . Cover for additional activities, or any particularly valuable belongings, can be added to your travel insurance policy, making sure you’re covered for your specific needs.

What are you covered for with student travel insurance?

Depending on the type of trip you’re planning, we can cover a wide range of possibilities. Our single trip  Budget policy  will cover you for up to 365 days, more than enough for most student getaways. Alternatively, an annual multi-trip policy might work out cheaper if you’ll be going away more than once this year.

Both policies include medical expenses cover, insurance for your luggage, and cover for an extensive list of over 50 different activities – so you can enjoy whatever your destination has to offer.

Have a look through the  policy documents  to see which type suits you. Or  get a quote  to see how our policies and prices compare.

Does my student travel insurance cover adventurous sports?

Yes! For many students, joining the college or university sports team can be one of the top priorities when studying abroad. With our  travel insurance  policies we cover over  50 adventurous sports  and activities as standard so you’re free to have fun knowing you’re covered should something unfortunate occur.

If you happen to be an adrenaline junkie and plan on taking part in an activity not covered as standard, additional  extreme sports cover  can be added to any of our policies.  This covers you if you’re planning on  skydiving ,  rock climbing , swimming with sharks and many other extreme sports.

Take a look at our  policy wording  for full details of the cover provided.

Student travel insurance with medical conditions

We’ll consider covering any diagnosed  medical condition  you might be travelling with – just let us know before you go! Our Budget policies don’t offer medical screening, so if you do have a condition just choose Silver, Gold or Black and answer a few simple questions. We can cover many medical conditions at no extra cost, but for others there may be an additional premium to pay.

You can check through our insurance  policy documents  for further details, or  get in touch  for more information.

What to pack for your student trip

We all end up forgetting something when we’re packing last minute, be it your toothbrush, underwear or some other unmentionables. Here are a few items that are frequently forgotten, but a godsend to have in your bag:

  • The ever-important travel plug You do not want your phone, tablet, iPod, e-reader, or other electrical essentials going dead!You may need to contact someone in an emergency, but more importantly you’ll need something to keep you entertained during those long flights (or those long nights when your travelling companions’ snoring just will not quit).
  • Waterproof bags It doesn’t have to be anything more than a supermarket carrier bag (really, it doesn’t), but putting your toiletries and liquids inside a plastic bag can make all the difference. Especially if your bag takes a bump getting on or off the plane – nobody wants to open their luggage to find a suntan lotion explosion.
  • Drugs Remember painkillers, tummy-settlers, and any other medication you might need. Nothing ruins a party or even a hike more than a sudden, untreatable headache. Taking a mini first aid pack could save your day or night out. Include bits like plasters, paracetamol and protection (insect repellent or otherwise).
  • Somewhere clever to put emergency cash Unfortunately, young people can often be an easy target for crime. Whether you’ve fallen asleep on a beach in Magaluf, or simply let your guard down backpacking, having a secret pocket or hidden compartment in your clothing or shoes could be the one thing that gets you back to safety.

For great student travel insurance,  get a quote online  or  get in touch . We’re happy to answer any questions you may have, no matter how simple.

*Discount excludes any premium generated to cover medical conditions or optional extras & is automatically applied. This offer cannot be used in conjunction with any other offer. Discount tiers of 5% for premiums between £0-49, 10% for £50-249, & 20% for £250+ apply. Offer ends at 23:59 on 02/09/24. T&Cs apply.

  • Unlimited emergency medical expenses available on Black level policies.
  • InsureandGo’s Gold achieved a Which? Best Buy.

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Student Travel Insurance, Health & Safety

Student travel insurance.

If you plan to travel outside the UK during your studies, it is highly advisable to buy a comprehensive travel insurance policy. The good news is that there are a number of options for special student travel insurance. This protects you if you have an accident or become ill and need medical treatment. You should make sure that it is effective from the morning of your departure day to the time you return home and that it covers you for everything from lost luggage to medical care and repatriation.

The price you will pay for the insurance premium will be very small in comparison to what you would have to pay in the event of an unfortunate incident. You may have to pay for the treatment at the time, and later be reimbursed by your insurance company. Remember to keep all prescriptions and doctor's bills as proof.

If you already have medical or personal property insurance, you may already be covered, so call the company to check how the policies work abroad. If you are not covered, ask your travel agent or flight operator if they can offer a policy.

Travel Medication & Health

If you are travelling somewhere exotic then chances are you are going to need some sort of medication. Either vaccinations before you leave, or tablets to take during your stay are the common types of medication. However, wherever you are going there are essentials like paracetamol, insect repellent and allergy relief you should also make sure you have.

Staying Safe Whilst Travelling

  • When travelling abroad, always bring any prescription medication with you. If you are highly allergic to anything, have something on hand to counteract an allergy attack.
  • Never, never do anything that you perceive to be dangerous in a foreign country. Taking chances is just not worth it! 
  • Whenever taking public transportation, keep an eye on your belongings. Thieves like to operate in crowded areas like train stations and the underground. 
  • Never get into the car of someone you do not know, unless it is a registered Black Cab or Mini-Cab driver that has confirmed your booking by addressing you by name. 
  • If you see someone drunk or disorderly on public transportation, try to avoid them as much as possible. 
  • Report any suspicious activity to a member of transport staff. 
  • If you are travelling with luggage, make sure your most valuable possessions are not left unattended. On most trains, you will not be allowed to bring luggage to your seat; instead you will have to put them on racks near the door. Make sure anything of value is in your carry-on. 
  • Do not accept to deliver or travel with any package that is not yours and that you have not packed yourself. If you are found with something you should not be carrying, it will be your responsibility and you will be liable for any punishment according to the law. 
  • Always know where you are going. When you are lost, your mind is not free to focus on your surroundings and you may become an easy target.

student travel insurance uk

June 1, 2020

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Your first study-abroad trip is an experience you'll never forget, but student travel has its challenges. You've got to stay healthy, be safe and manage your money well. Here's how.

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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.

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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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student travel

The Best Student Travel Insurance Plans for 2024

Companies like Faye, Travelex and Seven Corners can provide affordable options for student travel insurance if you’re planning to travel or study abroad.

with our comparison partner, TravelInsurance.com

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Sarah Horvath is a finance writer and researcher based in New York City. She specializes in writing about home warranties, insurance and home financial protection.

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Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

If you’re a college student planning an international excursion, you may decide to protect your investment with travel insurance. Travel insurance compensates you if you need to cancel your trip for a covered reason, get injured abroad, or lose your luggage or other personal belongings while traveling.

Our top recommended travel insurance provider for college students is Faye , thanks to its easy sign-up process, fair pricing and comprehensive coverage.

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Compare Travel Insurance for Students

Our top picks for student travel insurance are Travelex, Faye and Nationwide, which offer a blend of affordability and a range of coverage options.

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Top 6 Travel Insurance Companies for Students

Here are our top picks for companies that offer student travel insurance:

  • Faye: Our top pick for students
  • Travelex: Our pick for affordable plans
  • Seven Corners : Our pick for international travelers
  • AXA Assistance USA : Our pick for leisure travelers
  • Nationwide: Our pick for cruise travel
  • Generali Global Assistance: Our pick for emergency assistance

To help you get a better idea of what you might pay for travel insurance as a student, we requested quotes from each of the above providers, as listed in the table below. We collected sample quotes for seven trip types, outlined in our methodology.

Faye

Why We Chose Faye

If you’re a digital native, you may enjoy how Faye leverages insurance tech to help you get a policy quickly and file a claim on the go. Benefitting from a digital underwriting process, Faye allows you to view policy options and start comparing quotes in seconds.

Launched in 2022 , Faye may be a newcomer to the travel insurance industry, but its seamless online experience has already earned the company hundreds of positive online customer reviews.

Faye features an all-online quote process with just a handful of questions, enrollment and claims-filing process. You can enroll in coverage and file claims directly through its mobile app, and even be reimbursed on approved claims to your phone’s Faye wallet. Faye also offers real-time alerts and 24/7 customer service before and during your trip.

We recommend Faye to travelers who want a quick, all-online experience that doesn’t require wading through complicated coverage options.

Pros & Cons

Coverage & add-ons.

Faye offers one plan with several optional add-on options.

Optional Add-Ons 

  • Cancel for any reason (CFAR) 
  • Rental car damage or theft
  • Adventure and extreme sports protection 
  • Vacation rental damage protection

*Coverage limits and availability may vary by state of residence.

A 30-year-old traveler planning a $4,000, five-day trip to the Bahamas would pay about $187 for travel insurance with Faye. Unlike competitors, this company offers only one policy for international travelers.

Travelex

We We Chose Travelex

As a student, price may be a main focus when shopping for travel coverage. Travelex is Our pick for families for affordable student travel insurance thanks to its low rates. It offers two policies — the Travel Select and Travel Basic plans — with coverage available from just $30 for most low-value trips. Travel Basic plans include limited coverage but can provide peace of mind for students traveling on a budget.

Each plan also includes access to the company’s 24-hour assistance services, a hotline you can call for help with a variety of travel-related issues, such as medical emergencies and lost passports. Note that you will need to purchase the higher-cost Travel Select to cover a trip longer than 30 days (like a semester abroad).

Coverage & Cost

Add-On Options

Travelex offers the following add-on coverages with its travel insurance plans.

  • CFAR coverage:  Reimburses you up to 50% for nonrefundable expenses if a trip is canceled for a covered reason.
  • Additional medical expense coverage:  Extends your emergency medical expense coverage to $500,000 depending on your plan.
  • Accidental death and dismemberment (AD&D):  Offers your family members up to $25,000 in death benefits if you die or are dismembered while traveling. Coverage excludes airline accidents.
  • Adventure sports riders:  Travelex’s policies exclude injuries from adventure sports from your emergency medical coverage. This waiver eliminates that exclusion, extending your coverage to sporting accidents.

To help you get an idea of how much you might pay for a travel insurance policy, we requested a few sample quotes directly from Travelex. Browse the table below to learn more about coverage costs.

Seven Corners Travel Insurance

We We Chose Seven Corners

Seven Corners is a travel insurance provider offering a range of affordable options for students living both in the U.S. and abroad. The Basic and Choice RoundTrip plans will be the most useful for students who are residents of the U.S., providing protections for trip cancellation and interruption, emergency medical expenses, emergency evacuation and repatriation, and lost or stolen baggage.

It’s important to note that the coverage provided by the RoundTrip plan may be subject to certain limits and exclusions, so it’s important to read the policy details carefully and contact Seven Corners with any questions. However, with affordable rates and comprehensive plan inclusions, Seven Corners offers a great policy selection for students.

Seven Corners allows you to enhance travel insurance policies with the following add-ons:

  • Cancel for any reason (CFAR) coverage:  Extends up to 75% reimbursement for nonrefundable travel expenses. You must add CFAR coverage within 20 days of your initial trip payment deposit.
  • Rental car damage:  Extends coverage to include up to $35,000 in collision coverage for rental cars you use abroad.
  • Trip interruption for any reason (IFAR) coverage:  Like CFAR coverage, this add-on extends up to a 75% reimbursement if you need to leave your vacation early. You must purchase IFAR coverage within 20 days of your initial trip payment.

To help you get an idea of how much you might pay for a travel insurance policy, we requested a few sample quotes directly from Seven Corners. Browse the table below to learn more about coverage costs.

AXA Assistance USA

We We Chose AXA

AXA’s travel insurance policies are comprehensive and provide higher-than-average coverage limits compared to some providers. AXA offers three plan choices — and its most inclusive policy, the Platinum Plan, is ideal for adventure travelers. It includes coverage for lost skiing days, rounds of golf and even up to $1,000 in sports equipment rentals.

Overall, AXA’s plans are highly inclusive and offer a range of benefits. However, pricing is higher than competitors, which can be a particularly large consideration for students.

AXA offers two add-on options.

  • CFAR coverage:  Provides reimbursements of up to 75% of your trip costs, but you must purchase coverage within 14 days of your initial trip payment.
  • Collision coverage:  Extends up to $50,000 in collision coverage if you rent a car abroad.

Browse the table below to learn more about what you might pay for an insurance plan with AXA.

Nationwide Travel Insurance

We We Chose Nationwide

If you’re a student saving up for a cruise, you probably want to do everything you can to protect your investment. Nationwide is one of the only travel insurance providers to offer policies specifically for cruise vacations. Cruise policies from Nationwide include coverage for all of the following: trip cancellation and interruption, missed connections, itinerary changes, and emergency medical expenses and evacuations.

All Nationwide cruise insurance plans include coverage for weather, work and school-related schedule changes. Coverage even extends to international terrorism that forces you or your cruise liner to cancel. Nationwide also offers standard round-trip insurance plans, which cover all of the standard protections you’d expect from competing insurance providers.

You can add the following optional coverages to Nationwide’s travel plans:

  • AD&D:  Policies include up to $25,000 in add-on coverage for events that result in AD&D.
  • CFAR coverage:  Reimburses you for up to 75% of nonrefundable trip expenses.
  • Preexisting conditions waiver:  Select plans allow you to extend your medical insurance coverage to include preexisting medical conditions present at the time that you apply for coverage.
  • Rental car collision coverage:  Extends up to $35,000 in rental car collision coverage depending on your plan choice.

Browse the table below to learn more about what you might pay for an insurance plan with Nationwide. Quotes are for standard roundtrip travel insurance policies.

Generali Global Assistance

We We Chose Generali

Generali is our top choice for travel insurance that includes 24/7 emergency service — an important consideration if you’re a student traveling abroad for the first time. Generali customers receive access to a 24/7 emergency hotline to contact international travel or telemedicine experts. If you’re traveling to a country where the native language is not English, this can provide peace of mind if you need translation services during an emergency.

Generali’s plans include all the standard coverages one would expect from travel insurance, with three policies available. All policies also include access to emergency transportation, telemedicine assistance and identity theft protection.

You can add the following optional coverages to Generali’s travel insurance plans.

  • Rental car damage:  You can add up to $25,000 worth of rental car collision coverage on most trips.
  • CFAR coverage:  Generali allows you to add CFAR coverage to select plans, which provide you with reimbursements of up to 60% for prepaid expenses.

Browse the table below to learn more about what you might pay for an insurance plan with Generali Global Assistance.

What Does Student Travel Insurance Cover?

As a student, most of your money likely goes towards tuition, housing expenses, textbooks and other costs associated with furthering your education. This can make it especially important to protect your financial investments when traveling.

Student travel insurance can provide coverage if you are traveling abroad for educational or cultural purposes. This type of insurance typically covers a range of risks that students may encounter while traveling domestically or abroad, including medical emergencies, trip cancellations or interruptions, lost or stolen luggage, and emergency medical evacuation.

You can purchase travel insurance for a single trip or for multiple trips over a specified period of time. Travel insurance coverage can vary widely depending on your policy details and provider, but if your trip is interrupted or canceled, most plans provide reimbursements for the following nonrefundable expenses:

  • Plane tickets
  • Reserved car deposits
  • Lodging expenses
  • Event tickets and excursions you’re unable to use
  • Meals, clothing, toiletries and other necessities if your luggage is lost or stolen
  • Medical expenses if you are hurt while traveling

While travel insurance is not mandatory for most trips, it can provide peace of mind if you want protection from unexpected trip expenses or disruptions. But keep in mind that travel insurance only provides reimbursements for nonrefundable trip expenses under certain cancellation circumstances — unless you opt for CFAR coverage .

Common Add-Ons

Travel insurance companies commonly allow you to upgrade your plan with add-on coverages. Some of the most common travel insurance add-ons include the following:

  • CFAR coverage: Allows you to cancel your trip for any reason and still receive partial reimbursement.
  • Rental car coverage: If you’re renting a car abroad, you may need collision coverage. Many travel insurers allow you to add this coverage for an additional cost.
  • Umbrella policies: If you’re traveling to a country with particularly high medical expenses, you may want to extend medical coverage using an umbrella rider.

Specific add-on availability will vary by the insurance provider.

Should Students Consider COVID-19 Coverage?

Students may be concerned about whether travel insurance will cover cancellations and interruptions due to COVID-19 . While the specific details of each policy will vary depending on the insurance provider, most travel insurance plans treat COVID-19 as a standard illness when considering reimbursements.

Under the terms of most travel insurance cancellation policies, if you become sick with COVID before traveling and must cancel your trip, you’d be entitled to a reimbursement. Policies may also include medical coverage that extends to a COVID diagnosis you receive abroad. However, plans do not cover trip cancellations due to new COVID-19 outbreaks or strains that develop, nor fear of international travel due to COVID-19.

How Much Does Student Travel Insurance Cost?

According to our research, the average cost of student travel insurance is $154. However, the total cost of your trip will be the primary factor that influences the price of your travel insurance policy. As the value of your trip increases, so does the expense your insurer will need to cover if you file a claim.

This can make travel insurance cheaper for students who tend to travel on a budget. Medical coverage can also be more affordable for younger travelers, as they are less likely to incur major treatment bills abroad.

For accurate sample pricing, our team collected quotes for the following trips:

  • A 19-year-old taking a 7-day, $4,000 trip to Mexico
  • A 21-year-old taking a 5-day, $1,200 cruise in the Bahamas
  • A 20-year-old taking a 9-day, $5,000 trip to Italy
  • A 22-year-old taking a 2-week, $6,000 trip to France
  • A 20-year-old taking a month-long trip to Europe (visiting the UK, Ireland, France, Spain and Greece) costing $8,000

Explore the table below to learn more about how age, trip cost and trip length influence price.

As you can see, trip cost influences the price of travel insurance the most for students.

What Impacts the Cost of Student Travel Insurance?

Several factors can affect the cost of student travel insurance, including:

  • Destination: The cost of travel insurance can vary based on where you’re traveling. Some destinations may have higher medical care or evacuation expenses, affecting your premium.
  • Length of trip: The length of your trip can affect the cost of travel insurance. The longer your trip, the higher your premium will be.
  • Age: The age of the traveler can also impact the cost of travel insurance. Older travelers may have higher premiums due to an increased risk of health issues.
  • Preexisting medical conditions: If you have preexisting medical conditions, it can affect the cost of travel insurance. Depending on the severity of your condition, you may need to pay a higher premium.
  • Trip cost: More expensive trips will come with higher insurance costs since potential reimbursements depend on the price you paid for the trip.
  • Deductible: If you choose a travel insurance plan with a deductible, it can lower your premium. However, you’ll be responsible for paying the deductible before insurance coverage kicks in.

Before you buy travel insurance, it’s important to compare companies carefully and select a plan that offers the coverage you need at a price you can afford. You can also check out our guide to the cheapest travel insurance for more coverage options.

Use the dropdown menu below to select your country of travel for a more in-depth guide on travel insurance for that specific location.

student travel insurance uk

Is Student Travel Insurance Worth It?

Student travel insurance is often affordable, as students are more likely to be younger and insure less expensive trips. Both of these factors make students less likely to need to file a claim, which lowers the price of your insurance premium. If you’re planning a more valuable trip or you’re investing a significant amount of time putting your trip together, it can be worth it to consider travel insurance .

Finding the most affordable student coverage starts by defining your needs. If you are traveling abroad for more than a few weeks to study abroad , be sure to review your visa requirements before buying coverage. Read each company’s policy documentation before you buy, and get a quote from at least three providers to see which offers the best deal for your trip.

Frequently Asked Questions About Student Travel Insurance

Can i get travel insurance for a school trip.

Yes, travel insurance companies do provide insurance coverage for school-sponsored trips. If you’re planning on joining a class trip and have non-refundable expenses, it can be a good idea to consider a travel insurance policy.

Do I need travel insurance to study abroad?

Travel insurance is not usually legally required by international governments for students studying abroad. However, your college or university may have its own requirements you must meet in order to qualify for international study. Consult with your student advisor after selecting a study abroad destination to learn more about travel insurance program requirements.

How can college students afford to travel?

College students can afford to travel by taking trips during off seasons, saving money regularly throughout the year, and by taking advantage of study abroad programs. Students traveling internationally may also want to explore budget accommodations like hostels and low-cost airlines to travel without spending as much money.

What does student travel insurance cover?

Student travel insurance provides coverage for unexpected events that can occur during a trip to other U.S. states or a foreign country. These events may include trip cancellations, trip delays or interruptions, emergency medical bills, lost or stolen luggage, and other unforeseen circumstances.

Do I need student health insurance to travel or study abroad?

While U.S. residents do not legally need health insurance to travel, some schools require students to have health insurance while studying abroad. If your medical coverage does not extend outside your home country, you can purchase travel medical insurance to cover you abroad. While standard travel insurance only covers costs related to medical emergencies, some companies offer specific international health insurance plans for routine healthcare costs and medical treatments while traveling.

Methodology: Our System for Rating Travel Insurance Companies

  • A 30-year-old couple taking a $5,000 vacation to Mexico.
  • A family of four taking an $8,000 vacation to Mexico.
  • A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
  • A 30-year-old couple taking a $7,000 trip to the United Kingdom.
  • A 19-year-old taking a $2,000 trip to France.
  • A 27-year-old couple taking a $1,200 trip to Greece.
  • A 51-year-old couple taking a $2,000 trip to Spain.
  • Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
  • Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
  • Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
  • Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

If you have feedback or questions about this article, please email the MarketWatch Guides team at  editors@marketwatchguides. com .

Other Travel Insurance Resources

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Fly Finance

Student Travel Insurance for UK: Top Companies, Eligibility, How to Claim

Shekhar Suman

May 29, 2024

Student Travel Insurance

Travel insurance is a mandatory thing you must purchase before moving to the UK for academic purposes. Travel and health insurance covers incidents such as accidents, personal illness, legal fees, loss of baggage etc. Student travel insurance for the UK can be purchased through a lot of renowned service providers such as Bajaj Allianz, Tata AIG, Reliance General Insurance etc. All these insurance companies offer different policies designed especially for international students travelling to the UK for studies. Let’s check and understand the major features and benefits of student travel insurance for the UK.

student travel insurance uk

Table of contents

Student travel insurance: top insurance companies, eligibility criteria for student travel insurance, how to purchase student travel insurance policy for uk, how to claim student travel insurance policy, important guidelines.

When you get admission to any college in the UK, the university will make it mandatory to have travel and health insurance.  International Student Insurance  is mandatory in almost all major countries and universities. This is done to assure that the student shall not suffer any financial stress in case of any unfortunate incidents or unforeseen circumstances. Below are the details of some major insurance companies for student travel insurance:

There are certain eligibility criteria determined by the insurance companies in line with IRDAI (Insurance Regulatory and Development Authority of India). All the students buying an insurance policy from any company must fulfil all the listed eligibility criteria. If you are not eligible and still have a policy, it will be declared null and void as insurance requires complete transparency. Check some of the mandatory eligibility criteria below:

  • The minimum and maximum age for buying a student travel insurance policy shall be 16 and 35 years respectively
  • The admission must have been confirmed in a university abroad
  • Students shall disclose if there is a pre-existing disease

Also Read: Interest Rate is one of the factors to be considered while taking a loan. Check here  how to calculate education loan interest rate

Purchasing a student travel insurance policy for UK is simple. You can buy the policy online or on a phone call. All you have to do is visit the official website of the preferred insurance company and submit the enquiry mentioning your exact requirements. Check the steps below for purchasing a student travel insurance policy for UK:

  • Visit the official website of the insurance company
  • Go to the student travel insurance section and select the plan that suits your requirement
  • Go through the features mentioned on the website and submit the enquiry
  • Wait for the call from a representative of the company
  • Pay the premium and download the policy documents

Claiming an insurance policy is very easy these days. Every single process is available just a click away. However, most insurance companies provide cashless hospitalisation services in which you don’t need to spend a single penny and you will get the treatment just by showing the card or by getting assisted by the on-spot representative. In case you want to raise a claim for any other incident, follow the below-mentioned steps:

  • Visit the official website or call the company on the toll-free number
  • Explain the situation to the representative and enquire about further steps
  • Upload the supporting documents on the portal (if required) as directed by the representative
  • The claim will be processed after verification and the claim amount will be settled in the registered bank account

Also Read: Loan refinance is one of the best options to reduce interest rates. Check here all about  SBI Takeover of Education Loan

Student travel insurance policies are offered by a lot of companies and since it is mandatory the students are required to buy the policy before arrival. However, it is very important to understand the policy terms and compare the different policies offered by the insurance companies. Check some important guidelines below:

  • Read the entire detail of the policy and check what’s included and excluded in the policy.
  • Never try to make a false claim against the policy as it may land you in trouble and legal actions may be initiated
  • Keep the contract of insurance safely with you for future reference so that you can use it at the time of making an insurance claim
  • Renew the policy at least 10-15 days before the expiry date

This was all about Student Travel Insurance for UK. Check some of the common FAQs based on the same below:

Student travel insurance is mandatory for students moving to the UK to ensure they are financially protected against unforeseen incidents such as accidents, personal illness, legal fees, or loss of baggage.

Major features offered by insurance companies for student travel insurance include Tata AIG’s coverage in around 200 destinations, on-the-spot travel insurance service, and a large customer base whereas Reliance General Insurance offers no medical checkup policy, cashless hospitalisation, and hassle-free claim settlement

The eligibility criteria for purchasing student travel insurance include: – The student must be between the ages of 16 and 35. – Admission must be confirmed in a university abroad. – Disclosure of any pre-existing diseases is required. Meeting these criteria ensures the validity of the insurance policy, as transparency is crucial for its effectiveness.

To purchase a student travel insurance policy for the UK, follow these steps: -Visit the official website of the preferred insurance company. -Go to the student travel insurance section and select a suitable plan. -Review the features and submit an enquiry with your requirements. -Wait for a call from a company representative. -Pay the premium and download the policy documents.

To claim your student travel insurance policy, follow these steps: -Visit the official website of the insurance company or call their toll-free number. -Explain your situation to the representative and ask for further instructions. -Upload the required supporting documents on the portal as directed. -The claim will be processed after verification, and the claim amount will be settled in your registered bank account.

To know more about  education loans , the best  bank accounts for students , forex and banking experience for global students or  international money transfers , reach out to our experts at 1800572126 to help ease your study abroad experience.

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About Shekhar Suman

Shekhar is a versatile writer with a passion for sharing knowledge and creativity. With expertise in crafting informative blogs on study abroad and finance, Shekhar helps readers navigate the complexities of education and financial planning. Most of his writings blend the practicality of finance and the beauty of language, making a meaningful impact in both spheres. Beyond his professional pursuits, he finds solace in the writing Shayari.

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Traveling abroad for your Studies? We have you covered

Student Travel Insurance

Follow your dreams, safely.

Every year, thousands of young Indians decide to leave the nest while pursuing their education. You might want to travel to America, Germany or the UK to follow your passion and get the education you want. But, studying abroad can be expensive. Apart from your tuition fee and cost of living, it’s entirely possible that a sickness or unpredictable situation ends up burning a massive hole in your pocket. To keep you and your family’s finances safe, it’s always best to get student travel insurance before heading off to broaden your mind.

TATA AIG’s student travel insurance has been built keeping the unique needs of every student in mind. Apart from providing cover against lost baggage and medical emergencies, like other travel insurance policies , your student travel insurance will also reimburse you if you’re forced to interrupt your studies due to a medical emergency, you can compare travel insurance plans to pick the one that suits you the most, in terms of coverage amount & premium. What’s more, our plans can be customised so you only pay for the days when you’re out of India instead of for the whole year.

Offering safety, security and care-free travel, a student travel insurance policy is a must-have in every Indian student’s carry-on!

*Tata AIG offers coverage for medical expenses related to COVID – 19 when the insured is outside India. Policy T&C apply

Features Of TATA AIG Student Travel Insurance

Your international student travel insurance policy provides you with safety and comfort while you’re studying abroad. here’s a look at the features you can enjoy when you purchase a tata aig overseas student travel insurance plan:, cover for accidents and illnesses.

Falling sick is always a terrible experience, but falling ill abroad is overwhelming. Our policy will help take care of the costs associated with getting treatment when you’re ill. But that isn’t all. An accident could lead to a short hospitalisation or end up being fatal. Whatever happens, our international student travel insurance plan will help you deal with the costs. From emergency medical treatment to medical evacuation and the repatriation of the insured’s remains, we’ll take care of everything. Our student travel insurance policy will even provide cover for emergency dental services, if required.

Compassionate Visits

Being away from your family can be difficult, especially when somebody’s sick. If you’re hospitalised for more than seven consecutive days, your student travel insurance policy will help look after the cost of having a family member fly down to be with you. If a family member is ill back home and has been hospitalised for more than seven consecutive days, your travel insurance policy will help you cover the cost of flying down to be with them.

Study Interruption

There are a number of difficult situations that you might have to deal with while studying abroad. You could end up terminally ill or have to be hospitalised for treatment for more than a month. You might not want to think about it, but a family member may pass away, requiring you to travel back home immediately. If you end up unable to complete a semester for which you’ve already paid due to these unfortunate circumstances, your student travel insurance policy will help reimburse you for unused tuition fee.

Travel Assistance

Studying in a foreign country and experiencing the culture can be thrilling. But if something goes wrong, it can be downright scary. If you need any help to identify where you can get medical treatment or how to go about applying for a new passport if yours is lost or stolen, our international student travel insurance plan will be there for you.

Hijack Cover

If you’re the victim of a hijacking, our international travel insurance policy will provide you with distress allowance. We know it can’t make up for the trauma you experience, but we hope it helps.

Personal Liability

If you’re involved in an accident where another individual is hurt or another person’s property is damaged, you won’t have to pay for it out of your own pocket. Our student travel insurance policy will help take care of the cost of necessary medical expenses or repairs.

Baggage Loss or Delay

If your bag is stolen, lost or delayed because it was sent to another location or unintentionally left behind, you don’t need to break a sweat. Our overseas student travel insurance policy will help you deal with the cost of purchasing necessary personal items or reimburse you for the cost of your lost luggage.

Advantages Of TATA AIG International Student Travel Insurance

We’ll reimburse your semester fee if you’re unable to continue your studies due to a medical emergency.

Sponsor Protection

If your sponsor is fatally injured or left permanently disabled, your student travel insurance policy will help take care of your tuition fees for the remainder of your course.

Pay In Rupees Get Cover In Dollars

When you opt for a student travel insurance policy, your premiums are in Indian Rupees, but you’re covered in USD. So, you can rest easy knowing you’ll get the cover you need at an affordable cost.

Affordable Policies

Our student travel insurance policies start at just INR 41.33 per day! That’s a small price to pay for care-free semesters abroad!

What Our Customers Are Saying

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The website is friendly and easy to use.

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Trust in TATA product. Keep the faith in the Indian customer.

First name is not taking middle name .. need to mention first name and middle name without space

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What’s Covered Under TATA AIG International Student Travel Insurance?

Our overseas travel insurance policy will help you take care of a number of situations, covid-19 covers.

Accident & Sickness Medical Expense Under the Accident & Sickness Medical Expense, Student travel insurance with COVID-19 covered compensates for the medical expenses incurred by the insured because of being diagnosed with COVID-19 outside the Republic of India during the trip duration & is hospitalized. The policy provides coverage against Medical expenses upto the limit mentioned in the policy schedule.

Baggage Covers

Landing up somewhere without your personal belongings can be a harrowing experience. We make it easier to manage with these covers:

Delayed Checked-In Baggage Almost everybody has a story about a time when they travelled and their luggage was unnecessarily delayed. If this happens and you have our student travel insurance policy, you can rest easy. Your overseas student travel insurance plan will help cover the cost of any necessary personal items that you need to purchase until your bag can reach you.

Lost Checked-In Baggage Having your bag delayed is one thing, but if your bag is lost or stolen, managing the situation can be incredibly difficult. Luckily, our student travel insurance policy can help you deal with this issue. Depending on the travel insurance policy terms, we will help reimburse you for the items in your luggage.

Journey Covers

Travelling to study abroad can be an exhilarating experience. You can enjoy stress-free semesters abroad with our travel insurance policy that will provide cover for:

Sponsor Protection We understand that an unfortunate accident could mean that your sponsor, or the person who helps pay for your fees, is no longer able to do so. This can leave you in an uncertain position and may force you to withdraw from your course. With our student travel insurance policy, you don’t have to worry. We’ll help you pay the tuition for the rest of your course so you can continue to follow your dreams.

Lost Passport Obtaining a new passport in a foreign country isn’t always easy. Your international student travel insurance policy will help you with the necessary and reasonable expenses that are attached to getting a new passport made.

Missed Flights Bad weather, a strike of some kind or equipment failure could mean that you miss your departure or connecting flights. If this is the case, you don’t have to worry. Our international student travel insurance policy will help you deal with any additional expenses you may incur while trying to get home.

Hijack Help Our international student travel insurance policy will offer something known as distress allowance in case the flight that you’re travelling on is hijacked.

Personal Liability Accidents can happen at any time under any circumstance. If you happen to be involved in an accident where somebody else is harmed or injured, it could cost you quite dearly. Our overseas student travel insurance policy will help cover damage caused to any third-party individual or property while you’re abroad.

Fraudulent Charges Most often, our loved ones will tell us to be careful with our belongings while travelling abroad. In case your cards are stolen or used to make unauthorised purchases, our student travel insurance policy will reimburse you for the fraudulent charges, as long as you report the issue within 12 hours of the event.

Bail Bond If you’re wrongfully detained or arrested by a foreign government, your student travel insurance plan will help you pay for the bail bond.

Medical Covers

We can’t think of anything worse than having to get emergency medical treatment while you’re abroad. Luckily, our overseas student travel insurance plan will help you deal with:

Medical Emergencies Your international student travel insurance policy will help you deal with the financial implications that come with meeting with an accident or falling ill while you’re abroad. The policy will cover everything right from a regular illness that requires hospitalisation to dental emergencies and even fatalities.

Emergency Evacuation If the company providing assistance feels that you need to be moved to another location or return to India for better medical treatment, your student travel insurance policy will help cover the cost of such a journey.

Continuing Treatment Your student travel insurance policy will help take care of medical expenses that arise due to an injury or illness for which a successful and valid claim has already been settled.

Accidental Death and Repatriation We don’t want to think about it, but it’s possible that an accident or medical emergency abroad could end up being fatal. TATA AIG’s international student travel insurance policy will provide your nominee with the full sum insured amount if this happens. We will also take care of the cost of repatriating the insured individual’s remains back to India.

Study Interruption If you happen to be hospitalised for more than a month due to a covered illness or injury, or have to travel back to India because a family member is ill or passes away, you don’t have to worry about losing out on your tuition fee. Your student travel insurance policy will help reimburse you for any unused tuition if you have to interrupt your studies.

Compassionate Visit If you’re hospitalised for over seven consecutive days and cannot be repatriated back to India, we’ll take care of the cost of having an adult family member travel to you and help look after you.

Maternity Benefit After a waiting period of 10 months, your international student travel insurance policy will help you take care of in-patient maternity treatment costs as well as the cost of one month of post-natal care.

Childcare Benefits Looking after an infant is difficult. If your child is between the ages of 7 and 90 days and is hospitalised for two or more days, we’ll help you deal with the costs.

Cancer Screening Your health is always our topmost priority. While you’re studying abroad, we’ll help cover the cost of any cancer screening or mammography exams if a qualified physician recommends the tests. If these tests are part of a routine check-up, we won’t be able to cover the cost.

Physiotherapy The cost of any medically necessary physiotherapy that you require after an accident will be taken care of by your student travel insurance policy.

*Kindly check the policy wordings for a complete understanding of the product offerings, inclusions and exclusions.

What’s Not Covered By TATA AIG's Student Travel Insurance Plans?

Unfortunately, Some Things Are Out Of Our Hands. Here’s A Look At A Few Situations Where We’ll Be Unable To Help:

Journey Exclusions

  • If your flight is delayed due to a reason that you were already aware of before you purchased the policy, we will not be able to help.
  • Participation in adventure sports, like skydiving, scuba diving, or mountain climbing will not be covered under our international student travel insurance plans.
  • We will not entertain refund requests if you’ve missed your flight due to a local protest or agitation.
  • Any losses experienced while drunk or under the influence of other drugs will not be covered.
  • If you cancel your trip because a pet is ill or passes away, your student travel insurance policy will not cover the cost of cancellation or refunds. Instead, you can reschedule your trip and travel once you’re ready.

Medical Exclusions

  • If you have travelled against the advice of your doctor, we will not be able to provide you with overseas student travel insurance cover.
  • If you suffer from a complication or require assistance due to a pre-existing health condition, the medical bills will not be covered.
  • Damages or loss caused by a nuclear reaction, radiation, radioactive contamination or through the dispersal of pathogenic or poisonous materials will not be covered.
  • Any injuries sustained while serving as a member of the armed forces will not be covered.
  • The medical costs of dealing with self-inflicted injuries, sexually-transmitted diseases, and mental or nervous disorders will not be covered.
  • Any treatment required due to injuries sustained under the influence of alcohol, drugs, hallucinogens or other intoxicants will not be covered.

Baggage Exclusions

  • Loss of baggage will not be covered in cases where you have shipped the items separately or before your travel date.
  • We cannot provide cover if your baggage is delayed while you’re in India while you’re leaving for your trip or once you return.

When Is Student Travel Insurance Required?

Deciding to go abroad to further your education is not an easy decision to make. as a student, you’ll likely be travelling and living alone in a foreign country for the first time in your life. you may not have any family or support where you’re heading. as a parent, letting your child leave the nest and move to a foreign country is a scary thought. you won’t be there to help take care of them and any number of things could go wrong. this is precisely why student travel insurance is a must. let’s take a look at a few instances in which a good overseas student travel insurance policy will come in handy:, for admission.

Depending on where you’re headed, you may have to purchase a travel insurance policy to get the requisite visa and confirm your seat in your chosen college. Several educational institutions today require students to have student travel insurance so that they’re safeguarded from all kinds of issues in the future.

In Medical Emergencies

Getting quality medical treatment in a foreign country could lead to hefty medical bills. Often, students may not be able to get the healthcare they need without a good insurance policy. This is why student travel insurance is so crucial. It will help you get the quality treatment you need in case of an emergency. The policy will look after the cost, leaving you free to focus on your health.

When You Need Family

Some medical issues are more serious than others. If you’re sick or injured and hospitalised for over a week, we’re sure you don’t want to weather that storm alone. With a student travel insurance plan, you won’t have to. The policy will ensure that a family member can come and be with you until you’re discharged. The reverse is also true. If a family member is hospitalised for a long time and you need to be with them, your student travel insurance policy will pay for you to go home.

When Your Studies Are Interrupted

We may not want to think about it, but it’s entirely possible that a critical or terminal illness may need you to be hospitalised for over a month. In more severe cases, you may have to suspend your course entirely. Since you pay the fee for the entire semester in advance, you could end up losing money while dealing with a difficult time. When you have a student travel insurance plan, you won’t have to worry about losing out on the fees you’ve paid. We’ll reimburse you for the fee you’ve paid in advance.

Self Service Options

A convenient way to register your claim & track your status.

Make changes to your policy & update your contact details.

Print policy document and view renewal notice

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Frequently Asked Questions

Policy related, service related, what is a free-look period, what is evacuation and repatriation coverage, is there an age limit for the student travel insurance policy, what situations will be covered under compassionate travel, what happens if i fall ill and am unable to continue with my studies, will i get cover for pre-existing illnesses, does my policy cover dental treatment, what happens if my claim is rejected, how do i raise a claim against my student travel insurance policy, top study destinations.

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BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS / FRADULENT OFFERS IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint. Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to TATA Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. 2008, TATA AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CIN: U85110MH2000PLC128425. IRDA of India Regn. No. 108. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] . Category of Certificate of Registration: General Insurance.

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