May 29, 2022
Travel Insurance 101 for International Students

Travel Insurance 101 for International Students

 

How much does international travel insurance cost? Can I get my flights and hotel covered by my parents’ travel insurance? What’s the best travel insurance plan for me? These are all common questions students have about getting travel insurance before studying abroad, and we have answers! Here’s everything you need to know about international student travel insurance, including what to look out for and how to save on your policy.

What to look for in travel insurance
If you’re an international student, there are a few important things to look out for when shopping around for travel insurance. First, make sure your travel insurance covers areas of risk that apply to students such as terrorist acts, civil war and social unrest, industrial accidents and transportation problems. Also, don’t forget to check if your coverage includes emergency medical care and hospitalization abroad in case of illness or injury. Finally, be sure to read through all fine print—and ask questions—to ensure you understand exactly what is covered under your policy.

Why you need it
Travel insurance is highly recommended for all international students, not just during their period of study but before and after as well. If you’re planning to visit home in between semesters, make sure your travel insurance policy covers you while in transit; if your trip is delayed or even canceled because of inclement weather or a volcano erupting, travel insurance will come to your rescue and reimburse you for expenses like food, shelter and clothing.

How much does it cost?
While travel insurance is an essential part of any student’s budget, some policies don’t fit everyone’s situation. It’s important to note that travel insurance isn’t a one-size-fits-all product. Premiums can vary greatly between different companies, so it pays to compare prices before you buy. Also consider that your needs and coverage levels might change as you transition from student status to working professional.

When is the best time to buy?
Travel insurance is an investment, not a purchase. You will never know when you might need it, and travel can be pricey enough as it is. So when should you buy? As soon as you know you’re going on your trip. This way, if anything goes wrong with your plans, you’ll have coverage to help get things back on track. What if it takes weeks or months to find out that your visa application was denied?

What’s Covered?
Before purchasing a travel insurance policy, you’ll want to know exactly what is and isn’t covered. Whether you’re planning on studying abroad in Europe or exploring South America by bus, there are plenty of things that could go wrong. For example, if your luggage gets lost or stolen, will it be covered? Will certain activities be excluded? Before you buy a plan, carefully read through each policy and make sure you understand exactly what is covered.

What are Exclusions?
Before you buy travel insurance, it’s important to know what kinds of things aren’t covered under your policy. For example, damage to items caused by your own carelessness is not typically covered.

Is there anything else I should know?
Travel insurance can be a complicated and confusing process, especially if you’re an international student. But it doesn’t have to be! Here are three things all students should know about travel insurance before they buy.

Conclusion
Learning how to plan and purchase travel insurance is a process. But there are tools to help. To get started, figure out what type of coverage you need and where you will be traveling. Also, know when it’s best to buy travel insurance in order to save on premium costs. Additionally, it’s important to shop around for your travel insurance policy; different companies offer different types of coverage with their policies, so do your research and find one that meets your needs at a good price.

3 thoughts on “Travel Insurance 101 for International Students

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