Going abroad for higher education may seem to be a thrilling experience, but a little carelessness in the planning can run this otherwise pleasant trip into hot weathers. When planning for the admission process, managing the finances, procuring documents – tickets, currency exchange, visa, passport, etc., the one thing that’s often sidelined in the entire drill is travel insurance. But it should be on top of one’s priority list.

Undoubtedly, getting admission in a foreign university could easily be a lifetime opportunity and a dream come true for any student. As lucrative as it may sound, going to study abroad might impose a lot of risk, especially if you don’t have an adequate student travel insurance cover.

Why is Student Travel Insurance Important?

Any unexpected illness or medical expenses on foreign soil can easily make a dent in your savings. Huge disparity in currency makes it even more exorbitant. If you are planning to go to a foreign country without an adequate insurance policy in hand, then you need to rethink. Even working professionals cannot imagine meeting hefty medical expenses on their own in a foreign country just think how exhausting would it be for a student, with limited budget, travelling to pursue education.

Ever thought, how will a student manage alone during any unforeseen circumstances away from family? If you have student travel insurance handy, you will be covered against any loss or damage arising due to personal and medical emergencies. This is the reason why we recommended student travel insurance to you in first place.

Have a Quick Rundown of Some of the Crucial Coverages Offered by Student Travel Insurance  Policies:

In India, it might not be that costly, but medical treatment overseas is highly expensive. Why repent later, when you have the option to protect yourself against such unforeseen situation with a good student travel insurance policy. All you need to pay is a small sum of premium once a year and you’ll get all the benefits in return.

Here are just some of the many benefits offered by student travel insurance policies:

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  1. Coverage for Lost Passport – What will you do in case your passport is lost or misplaced? Yes, it can be as daunting as it sounds, but if you have your travel insurance policy in place, your insurer will assist you in acquiring a duplicate passport and will help you arrange important travel documents.
  2. Hospitalization Cover – In case, there is any medical emergency arising in between your semester, your insurer will recompense or settle your tuition fee that has already been paid by you for that particular semester. The student insurance will reimburse for interruption of studies due to emergency hospitalization or permanent disability or any fatal injury caused to the insured student. However, the claim amount should be within the policy limit.
  3. Accidental Death or Disability Coverage – In case your sponsor succumbs to an accidental death or permanent disability, then the insurer would compensate the remaining school fees. The claim amount will be based on the sum assured. Unfortunate events like accidental injuries and death are also covered. Any impairment or damage to eyes or limbs resulting from any of such incident, within duration of 1 year from the event or travel date, will be take care off.
  4. Emergency Evacuation – Imagine a situation, where you have fallen sick, or you meet with serious accidental injuries that requires compassionate visit by one of your family members – parents, spouse, children or in laws. The cost of the flights will be an added burden. And if you have student travel insurance handy, the flight costs (economy class) will be borne by the insurer.
  5. Coverage for Detention on Foreign Soil – Every year, a number of cases are registered with international universities, where students are detained for inadvertently breaking the law. However, if you have secured yourself with a student travel insurance plan, the bail amount will be compensated. Though any criminal act or deliberate over speeding of the vehicle, will not be considered.
  6. Dental Treatment Coverage – Getting a dental treatment overseas can cost you a fortune. But if you were smart enough to get yourself covered, your expenses on dental treatment will be reimbursed by your travel insurance company.

Some of the Features of Student Travel Insurance That You Should Not Miss –

  • You can enjoy your peace of mind, as you are not required to run from pillar to post in case of an emergency situation, that too in a foreign country.
  • You do not need to face any hassle of getting complex paperwork​
  • You can customize these travel insurance plans as per the duration of your studies or the courses you are planning to undertake.
  • Usually, the claims are settled in a convenient and timely manner.
  • You can easily purchase your policy online and even pay though online mediums using net banking, debit or credit cards as per your convenience.

We are sure, you must be wondering about the numerous benefits that you can get if only you are insured and how you will be calling for troubles, if you happen to give it a miss.

Here’s why

Studying abroad requires your fulltime involvement. If you want to achieve your goals, it’s imperative that you do not let any unforeseen health or travel related troubles interrupt your academic schedule. Student travel insurance sorts all this and much more for you, and helps you focus on your studies by keeping all the worries and woes at bay.

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Travel Tips