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The Best Travel Insurance for Students

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Table of Contents

What does travel insurance for students cover?

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

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

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

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

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

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

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

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

» Learn more: When to buy travel insurance

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

Traveler age.

Overall trip cost.

Trip duration.

Specific coverage selected.

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

» Learn more: Best annual travel insurance this year

Travel Guard by AIG

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

What Travel Guard covers

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

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

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

Multiple price points for a wide range of coverage options.

Dental coverage included.

24/7 emergency assistance available with all plans.

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

» Learn more: Read our full review of Travel Guard

World Nomads

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

What World Nomads covers

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

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

Many adventure sports are covered.

Some plans include car rental coverage.

Dental is covered.

Pre-existing conditions aren’t covered.

» Learn more: Best adventure sports travel insurance

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

What Allianz covers

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

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

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

Includes epidemic coverage (including for COVID-19).

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

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

Rental car coverage not included on any plan.

» Learn more: NerdWallet's Allianz review

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

What GeoBlue covers

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

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

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

Unlimited annual maximum for medical benefits.

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

Preventive care is covered.

Dental and vision benefits are extra.

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

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

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

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

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

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

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℠.

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℠.

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.

Probus Insurance

Health Insurance Star Health Insurance Student Travel Protect Policy

Compare Individual Health Insurance Plans

Select Suffering Disease

Star health student travel protect insurance policy.

Star Student Travel Protect Insurance Policy is an exclusive policy for students who want to study abroad. It covers expenses incurred due to any medical emergencies, travel inconveniences, and study interruptions during the travel or stay abroad. This policy is available under three plan options, namely Gold, Silver, and Standard. In addition, this policy provides separate cover for travel to USA & Canada and travel worldwide other than USA & Canada. To know more about this policy, have a look at the following mentions.

Eligibility Criteria

Key highlights of the star student travel protect insurance policy.

The followings are the important benefits of this policy that help the students get rid of their financial burden.

Cover for Travel Inconveniences –  This policy covers the loss incurred due to Travel inconveniences such as Flight Delay, Trip Cancellation, Loss of Passport, Loss or Delay of Checked-in Baggage, Missed Flight/Connection, and Hijack Distress.

Repatriation of Mortal Remains –  In case of the death of the insured person abroad, this policy covers the transportation of the mortal remains of the insured person or compensates the equivalent amount for a local burial or cremation in the country where the death occurred.

Personal Accident Cover –  In case of death or disablement of the insured person due to an accident, then the company will provide a lump sum to the insured person or his/her legal representatives up to the specified limits. 

Emergency Medical Expenses Cover –  This policy indemnifies the expenses incurred for medical emergencies during the insured person’s stay abroad.

Dental Emergency Cover –  This policy provides cover for expenses incurred on acute anaesthetic treatment to treat dental problems arising out of injury during the trip. 

Compassionate Visit –  If the insured person gets hospitalized abroad for more than 7 consecutive days and is not in a condition to be moved back to the home country, then the company will cover the expenses incurred for a round trip by air/train of one immediate family member to assist the insured person. 

Emergency Medical Evacuation –  This policy provides cover for emergency medical evacuation of the insured person on the advice of the medical practitioner. It also covers associated transportation and medical treatment expenses.

Personal Liability Cover –  If the insured person is either legally liable for illness/injury (fatal or non-fatal) to any person or damage to property during the period of insurance, then the Insurance Company will indemnify the insured person against all sums which he/she becomes legally liable to pay. 

Bail Bond –  In case of false arrest or wrongful detention of the insured person by police or judicial authorities at a place as specified in the proposal form, then the Insurance Company will pay up to the specified Sum Insured towards the cost of the bail bond.

Premium Illustration of Star Student Travel Protect Insurance Policy

For a better understanding, here is an example of how this plan works. Pinak Bose, a 15-year-old boy, purchased Star Student Travel Protect Insurance Policy for his upcoming studies in abroad. Let us find out how much premium amount he has to pay for this policy for different numbers of days and different sum insured options.

How To Purchase Star Student Travel Protect Insurance Policy?

One can buy this policy online by following the below easy steps.

• Visit the official website of Star Health Insurance Company.
• Go to the plans section. There will be a travel tab. Select the view all option.
• Look for the Star Student Travel Protect Insurance Policy, and click on that.
• On the landing page, there will be the buy now option on the right side of the page. click on that.
• Put the necessary details such as name, phone number, and pin code, and submit.
• On the next page, put the other necessary policy-related credentials.
• Be careful while putting the data. On the basis of the given data, the premium amount for the policy will be displayed.
• Check it again. If satisfied pay the amount online securely.
• you have purchased the policy. A notification regarding the same will be sent to the registered email ID and/or phone number.
• Download the policy document or take a printout of that for better convenience.

Claim Procedure of Star Student Travel Protect Insurance Policy

Follow the below steps.

• The insured must call the concerned assistance company as per their jurisdiction and intimate regarding their claim details along with the name of the hospital where they are treated within 24 hours of hospitalization.
• The assistance company will guide him/her further for cashless treatment. The documents called for by the assistance company must be produced immediately to enable the company to process cashless claims.
• Once the company receives all the required documents, it will evaluate and do the scrutiny. Once they get satisfied, the claim amount will be settled down within the stipulated period.

Frequently Asked Questions

The policy term can be further extended once for another 365 days upon the insured person’s request before the expiration of the policy.

If an insured person loses his/her passport during the trip, then the company will cover the expenses incurred in obtaining a new passport or valid travel documents to return to the home country.

If the insured person happens to discontinue his/her studies in the event of hospitalization of the insured for more than one consecutive month due to injury, sickness, or terminal sickness, then the company will compensate the tuition fee that has already been paid.

If the insured person’s study gets disrupted due to the accidental death of any immediate family member or the sponsor during the entire policy period, then the company will compensate the tuition fee that has already been paid.

In case of accidental death of the sponsor of the insured person, then upon submitting the death certificate, the company will reimburse the tuition fees incurred for the remaining period of the education of the insured up to the specified limits. Therefore, you can continue studying without any interruption. 

The following documents will be required.

• Copy of Police Complaint
• Copy of intimation to the Passport Office
• Copy of the Lost Passport
• Expenses incurred in obtaining a Duplicate Passport/Alternative travel documents
• Policy copy
• Copy of E-ticket

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

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

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

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

Best student travel insurance

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

Best overall

Axa assistance usa travel insurance.

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

Policy highlights

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

24/7 assistance available

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

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

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

[ Jump to more details ]

Best for medical expenses

Usi affinity travel insurance.

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

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

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

Best for trip interruptions

Travel guard® travel insurance.

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

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

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

Best for customizable coverage

Allianz travel insurance.

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

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

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

Best for students on a budget

Berkshire hathaway travel protection.

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

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

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

More on our top travel insurance for studying abroad

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

CFAR coverage available

24/7 assistance?  

[ Return to summary ]

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

Travel Guard Travel Insurance

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

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

Berkshire Hathaway Travel Insurance

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

What does travel insurance cover for studying abroad? 

Medical expenses and emergency evacuation.

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

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

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

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

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

Trip cancellation and interruption 

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

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

Travel assistance

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

Lost or stolen baggage

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

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

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

What is travel insurance for studying abroad? 

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

Is travel insurance worth it for studying abroad?

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

How much does travel insurance cost for students studying abroad?  

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

What is international health insurance?

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

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

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

Bottom line

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

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Why trust CNBC Select?

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

Our methodology 

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

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

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

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

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

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

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

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

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

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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Star Health Student Travel Insurance

Star Health and Allied Insurance Co Ltd is a joint venture between Oman Insurance company, ICICI Ventures Funds Management, M/s.Sequoia Capita1, M/s.Alpha TC Holdings Pte Ltd, Singapore and M/s.Tata Capital Growth Fund.

Toll Free - 1800 425 2255/1800 102 4477

Star Health Student Travel is a policy that covers students against any uncertainties that could interrupt their education. The policy offers protection against trip hospitalization, loss of baggage, study interruption, etc.

Unique Features of Star Health Student Travel Insurance

Faster and hassle-free claim settlement

Tie up with reputed overseas assistance companies to render policy services abroad.

Free Health magazines are issued to policy holders at regular intervals.

Facility for maintaining personal health records in electronic format.

Cover for Loss of checked in baggage, Loss of Passport.

Eligibility Criteria for Star Health Student Travel Insurance

Product benefits of star health student travel insurance, exclusions for star health student travel insurance.

• Insured Person is traveling against the advice of a Physician; or is travelling for the purpose of obtaining treatment.
• Any Pre-existing Condition or any complication arising from it
• While under the influence of liquor or drugs.
• Through deliberate or intentional, unlawful or criminal act, error, or omission.
• Whilst participating as the driver, co-driver or passenger of a motor vehicle during motor racing or trial runs.
• Any pre-existing injury or condition
• Pregnancy except from ectopic pregnancy
• Racing on wheels or horseback, winter sports, canoeing in white water rapids and bodily contact sports
• Treatment rendered by a doctor who shares the same residence as the insured or who is a member of the insured persons family
• Mental illness, stress, psychiatric or psychological disorders

Here’s a list of things your policy won’t cover:

• Pre-existing medical conditions, unless it’s a life-threatening condition
• Expenses incurred due to suicide, self inflicted injury, mental disorder, alchohol/drug abuse, HIV/AIDS
• Issues faced due to theft or loss of passport when left unattended, or unreported to local police authorities
• Traveling against the advice of a physician
• Loss of checked baggage - no partial loss or damage shall become payable
• War or nuclear threat in the country where you’re travelling
• Claims arising from pregnancy
• Delibrate exposure to exceptional danger (except in attempt to save human life)
• Congenital anomalies or any complications or conditions arising therefrom

Claim Process for Star Health Student Travel Insurance

Service provider is to be informed in each & every medical treatment. Non Intimation may invalidate the claim.

Service Provider details

US & Canada (+1 877 536 7264 & +1 800 358 9105) Europe (+ 800 41 41 44 44) Within India (1800 22 4004) (+91 (22) 6127 3891) Fax : (+1 305 698 0176 & +1 305 891 7840) Email: [email protected] [email protected] [email protected]

• Bonus History / Fund Performance
• Latest News
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• Call Us: 86559 86559
• Select City* Mumbai Delhi Bangalore Hyderabad Pune Chennai Kolkata Nashik Others

Star Health Travel Insurance Review – Should I buy it?

According to data published by Statista , approximately 20.38 million Indian nationals departed on outbound trips in 2015, representing growth of 2.05 million in just one year. In fact, the number of Indian travelers has only been increasing since then, with more and more people are traveling abroad for work and leisure.

When it comes to traveling abroad, most people pay first attention to the things they need to pack and planning the places they’ll visit, rather than planning for their health by checking out options for overseas travel insurance . This should actually be the first step to take while planning an international trip to make the most out of your travels. Star Health has come up with a simple and safe overseas travel insurance called Star Travel Protect Insurance Polic y, which protects you against unfortunate events and medical emergencies that might take place in a foreign land.

Tip: Don't forget insurance. Check out the best plans here.

In this article…

Single Trip Policy

The original policy period is 180 days. On payment of an additional premium and declaration of good health by you, extension of the policy is possible, but only twice.

Eligibility

Any person who is a permanent resident of India, aged between 6 months and 70 years and traveling outside India for business or personal leisure is eligible for this overseas travel plan.

Medical tests are not required in general. However, a pre-acceptance medical screening would be required for individuals above 65 years of age.

Cover Starting Amount

Star Health’s Travel Protect Insurance Policy is available for travel worldwide, with the option of including or excluding USA and Canada. The four sum insured limits for this travel insurance policy are US$50,000 US$1,00,000, US$2,50,000 and US$5,00,000.

Also read: How to choose a good travel insurance plan?

Star Travel Protect provides you the following coverage on your travel abroad either for business or holiday purposes:

• Coverage of emergency medical expenses and repatriation to own country.
• Repatriation of mortal remains to India.
• Coverage for expenses incurred for a dental emergency due to an accident .
• Compensation for injuries caused by personal accidents.
• Compensation for the loss of checked in baggage up to the pre-specified limit.
• Coverage for expenses incurred on buying emergency items due to any delay in checked in baggage.
• Pre-decided compensation for expenses incurred for obtaining a new passport.
• Coverage for flight delay, missed departure and inconvenience due to missing a connecting flight.
• Cover for any third party legal liability, involving any property damage and bodily injury to a third party.
• Hijack distress allowance.

The policy does not cover for your trip if your travel is against a physician’s medical advice, especially for treatment of a pre-existing condition. Those who are engaged in organized sports like mountaineering or rock climbing and any kind of winter sports are also excluded for this policy.

Moreover, the company will not be answerable for any claim arising from pregnancy, self-inflicted injury, suicide and attempted suicide, and any kind of mental disorder and depression.

Turnaround Time for Claim Settlement

For the claim procedure, you need to contact Star Health’s assistance company, Heritage Health TPA Pvt. Ltd., informing them of your policy reference number and claim.

Other Features

Star Health travel insurance has tied up with reputed overseas assistance companies to render policy services to the policyholder abroad.

The policy offers you storage facility for preserving medical records in electronic form, for free.

The policyholder is issued free health magazines at regular intervals.

Covering all possible possibilities of inconvenience one can face in a foreign land, Star Health Travel Insurance is a good product overall.

I recommend you also check out other Travel insurance products and plans I’ve reviewed here before making a decision.

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• What is covered in Visitors Insurance?
• 3 Best Travel Insurance for Cuba

About the Author

Mani Karthik

Entrepreneur, Mentor & Blogger. I help business grow & scale. Have helped 15+ companies scale in US, Middle East and India. I share everything I learned on this blog, so that you benefit. Here’s more about me .

2 responses to “Star Health Travel Insurance Review – Should I buy it?”

There is no one insurance that fits all. I recommend you choose one that fits your requirements more than what’s the popular one.

which travel insurance is the best considering all? Please recommend.

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• Star Travel Protect

Star Travel Protect insurance

Best quotes for star travel insurance, key highlights of star travel protect overseas insurance.

• Emergency Medical Expense following both Accidents & Sickness
• Emergency Medical Transportation (Evacuation)
• Repatriation of Mortal Remains to India, upon death
• Dental Treatment following an accident
• Flight delay
• Checked In Baggage Loss / Delay
• Missed Departure / Connection.
• Hijack Distress
• Any Legal Liability falling on the insured traveller, arising from bodily injury or property damage caused to any third party.

Star Travel Insurance review

Key features of Star Travel Protect insurance

• Star Health and Allied Insurance Co Ltd commenced its operations in 2006 with the business interests in Health Insurance, Overseas Mediclaim Policy and Personal Accident and thereby had the distinction of being the First Stand Alone Health Insurance company in India with a pan India Presence With More Than 450+ Branch Offices.
• Hassle-free and customer-friendly direct claim settlement through their TPA partnership with Heritage India, which is globally in collaboration with WTA Services.
• Over 5.4 lac claims settled in the financial year 2017-2018 across Health, Travel and Personal Accident policies.
• Star Health Travel insurance plans offer coverage for travellers between the ages of 6 months to 70 years travelling abroad on Business / Leisure – they also offer coverage upto any age at an appropriate loading of the base premium.
• Like most other travel insurance plans in the market, Star Health also does insist on Medical Tests prior to Purchasing the travel insurance policy / and while travelling.
• Single Policy Duration upto a maximum duration of 180 days with a provision for extension for another 180 days at the company’s terms & conditions.

Star Health Insurance – Overview

• World Health Organisation (WHO) Award Of Excellence 2017
• Best Health Insurance Provider of the year - Business Today, Money Today Financial Awards 2018-2019
• Claims Service Company Of The Year, 2014, Beating 28 General Insurance Companies At The Indian Insurance Award
• Rated Best Claim Settlement Insurer – Hindustan MaRs Survey

Why Should One insure themselves through Star Health?

• They were India’s First Stand-Alone Health Insurance Company
• Pan India Presence With More Than 550+ Branch Offices
• Cashless Hospitalization And Reimbursement Facility In Our Large Network Base With More Than 9900+ Hospitals Across India
• Hassle-free and customer-friendly direct claim settlement without intervention of TPA
• Wide Range Of Health Insurance Products From Individual Plans to Family Floater Schemes To Senior Citizen Health Coverage with sum insured from ₹1 lac to ₹100 lacs
• 16.9 crore lives insured since inception
• 4.9 million (49 lacs) claims settled till date to insureds across India
• 90% of cashless claims settled in less than 2 hours

Star Travel Protect Insurance review

• Eligibility
• Claims Procedure

Eligibility Criteria of Star Travel Protect insurance

• Any person who is permanent resident of India between the ages of 6 months to 70 years travelling abroad on Business / Leisure
• Any persons between the ages of 70-75 years can also be covered with the same benefits and with a premium loading of 50%. For persons above 75 years of age the premium loading is 100% *  T&C Apply.
• No Medical Tests are required to purchase the policy *  T&C Apply.
• Single Policy Duration upto a maximum duration of 180 days with a provision for extension for another 180 days at the company’s terms & conditions

Coverages under this Plan are as follows

Assistance alarm centres across the world for star health overseas mediclaim policies.

Review Star Travel Protect insurance brochure to understand coverage details.

Proposal form

Fill the online Star Travel Protect insurance proposal form.

Policy wordings

Review Star Travel Protect insurance policy wordings which explains the terms and conditions.

Get quotes for Star Travel Insurance!

India travel insurance blogs and articles.

Tips to find good and adequate international travel health insurance Click here to read more

Comparison of overseas Healthcare cost and popular tourist destinations. Click here to read more

How to use Indian visitor insurance in case of sudden sickness and accidents. Click here to read more

Star travel insurance useful links

How to buy online.

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.

Already outside India

Travelers who have already traveled from India and do not have insurance can buy Star travel medical insurance after approval.

Star Travel Insurance Online Renewal

Insurance customers can renew their existing policy online before the exipry date at any time.

Star Travel Insurance Claims & Customer care

In case of a claim or reimbursement of treatment expenses, notify Star by contacting them.

Star Travel Insurance Policy Wordings

Kindly refer the Travel Policy Insurance Wordings for complete coverage details along with terms and conditions.

How are Claims settled?

Are travel insurance directly billed or is it reimbursement basis, is there a hospital network.

Resourceful Indian travel insurance links

Why do you need travel insurance plan?

Benefits of buying travel insurance plans

Star Overseas Travel Insurance Premium Calculator

FAQ's on buying travel insurance policy

Search for Star Travel insurance

Star travel insurance links.

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Star Student Travel Protect Insurance

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