Student Travel Health Insurance

Travel Health Insurance Coverage for Students Studying Abroad

Student travel health insurance plans provide healthcare coverage for students who are studying outside of their home country. Students have two options choosing a university-sponsored health plan or a private travel healthcare plan. A private plan is typically more affordable than university-provided plans while still offering similar coverage. If you choose a plan from a private provider your university may require proof of coverage during enrollment to deduct the health insurance premium from your tuition fees.

Who is it for?

Student travel health insurance is available to international students studying abroad. Private insurance companies often offer international student insurance plans that are more cost-effective compared to those provided by universities. It is of the utmost importance to purchase a travel medical insurance policy if you are studying outside your home country.

What is covered?

Student travel health insurance covers a range of medical expenses, including doctor visits, hospitalization, surgery, prescription medication, and emergency medical evacuation. In addition to medical, this insurance also provides trip cancellation, delay, and interruption protection plus coverage for your personal belongings.

What are the benefits?

The key benefits of student travel medical insurance is that it protects you against high out-of-pocket expenses if you require medical treatment while studying in another country. Many countries have nationalized healthcare systems but they don’t cover you outside your home country so medical costs while studying abroad are not covered.

Travel Insurance
for Students

Up to $8 Million
Medical Coverage

COVID 19 Coverage
Included

NO Medical Exams
Required

Pre-Existing
Condition Coverage

Lowest Price
Guaranteed

What is Covered?

Our comprehensive travel insurance plans provide coverage for your health, your trip, and your personal luggage and possessions.

Emergency Medical

Travel health insurance primarily provides medical coverage while traveling outside your home country as domestic health insurance provides limited or no coverage away from home. International travel medical insurance provides coverage for emergency medical expenses, emergency medical evacuation, and more while traveling outside the home country.

Maximum Coverage Up to $8 Million

COVID-19 Illness

COVID-19 treatment will be covered just like any other eligible sickness that occurs after the effective date of the policy and while on your trip. The coverage is up to the selected policy maximum in most plans, which can vary based on the persons age and the plan selected.

Treated Like Any Other Illness

Pre-Existing Conditions

Many travel insurance plans provide coverage for acute onset of pre-existing conditions up to certain limit. This benefit is immensely helpful for elderly travelers who may be suffering from pre-existing conditions. It is meant to cover sudden and unexpected emergencies and not meant to cover routine maintenance of pre-existing conditions.

Acute Onset of a Pre-Existing Condition

Emergency Medical Evacuation

In case you were to become seriously sick or injured in a remote location while on your trip, emergency medical evacuation would transport you to the nearest medical facility where adequate care can be given. Once you are stable enough to travel, it may also pay for you to return to your home country.

Maximum Coverage Up to $8 Million

Accidental Death & Dismemberment

This coverage would provide lump sum amount to you or your family if you were to become dismembered or passed away in an accident. Some plans provide coverage only while traveling in a common carrier, such as a plane, bus, or train.

Up to $100,000 Coverage

Virtual Visit/Telemedicine

Virtual Visit or Telemedicine is a remote consultation that is conducted over the internet or phone between a patient and a physician. The virtual physician or telemedicine medical provider can give the patient a plan for necessary medical treatment of their symptom or condition, and/or a referral to a nearby physician for treatment of their condition.

Included in Most Plans

Trip Cancelation

If you need to cancel your trip for covered reasons, including if you get sick, contract COVID-19, or a travel provider goes bankrupt. We can cover flights, hotel bookings, tickets & activities, and quarantine accommodation.

100% Reimbursement

Trip Delay or Interruption

When you’re stranded in transit due to reasons outside of your control such as flight delay or theft of passport or when you must unexpectedly cut your trip short or extend it for covered reasons, including if you contract COVID-19.

Up to $25,000 Coverage

Lost or Damaged Belongings

Reimbursement for lost, stolen, or damaged luggage, including clothing, personal items and professional equipment like a phone or laptop.

Up to $5,000 Coverage

Student Travel Health Insurance FAQ’s

Finding the best travel health insurance for you during your international study can be complicated and confusing, that’s why we have put together this list of frequently asked questions. If we do not answer your question here, our expert team is available below to answer any questions you might have.

You are eligible for student travel health insurance if you are a full-time student at a college or university, excluding online colleges and universities and you are studying outside of your home country.
Some colleges and universities require international students to purchase health insurance through the school with the cost added to your tuition. Other schools allow students to purchase their own private travel health insurance. You will need to check with your school’s requirements before purchasing a policy.
Travel insurance is short-term medical insurance that would generally cover any medical conditions, injuries or accidents, that may occur after the effective date of the policy. It is primarily designed to cover unexpected and primarily new medical conditions that may usually occur to a person who is traveling abroad. In some plans, it may cover acute onset of pre-existing conditions that occur after the effective date of the policy. However, it does not cover pre-existing conditions, maternity, preventive checkups, routine visits related to pre-existing conditions, cosmetic surgery, elective surgery, birth control, immunization, dental, vision and so on.
Yes! Unlike other products on the market, there are no exclusions related to travel advisories, CDC Warnings, U.S. Department of State Warnings, or any specific exclusions related to COVID-19. Therefore, COVID-19 is covered just like any other new medical condition that occurs after the effective date of the policy. Please note that if you already have symptoms, or if you are already infected and still in the incubation period, or even asymptomatic initially, if you contracted COVID-19 before the effective date of the policy, it will NOT be covered.
Yes, you can purchase travel insurance if you have already left your home country, but the sooner you purchase, the better, as you want to make sure your insurance will cover you for any expected illness or injury during your visit. When filling out the application, enter the “trip start date” as the date you would like your coverage to begin. Most coverage can begin as soon as the next day.
Travel medical insurance provides coverage for prescription medication for new illness and injuries. Most of the time, you will need to pay for prescriptions out of pocket and file a claim for reimbursement, so be sure to keep all receipts.
Yes, most policies provide coverage for travel throughout multiple countries worldwide. You only need to select one destination you are traveling to on the quote form. If a policy does exclude certain countries, this will be shown on the quote page.
You can visit any doctor or hospital of your choice. Depending on what plan you have, you may have a choice of using a PPO network specific to your insurance policy.