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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.

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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.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 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.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 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.

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology .

The Best Student Travel Insurance: How To Choose, Tips, and Policies [2024]

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Editor & Content Contributor

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Table of Contents

The 5 best travel insurance policies for students, is travel insurance for students worth it, student travel insurance costs, what student travel insurance covers, how to get student travel insurance, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Whether you’re planning to study abroad, backpacking through continents, or just going on a quick adventure, student travel can be both exciting and nerve-wracking. If you’re an inexperienced traveler or have family members at home who need some reassurance, you could benefit from the security that student travel insurance provides, whether it’s financial support or a 24/7 travel assistance hotline.

Let’s explore your options in student travel insurance, from trip cancellation and medical insurance to what you need to know about finding the best prices and coverage.

The best student travel insurance might be cheaper than you think. Students can get affordable travel insurance coverage for trip cancellations, emergency medical benefits, and more. We’ve run the numbers to get policy quotes based on age, benefits, and trip length so you can get an idea of what to expect from travel insurance for students.

Consider these student travel insurance policies:

‌Best Cheap Student Travel Insurance: Battleface

Student travelers on a budget likely want extensive coverage at a low price.

Travel insurance is often cheap for students, considering companies usually offer good rates for young adult travelers. The Battleface Discovery Plan has limited benefits but comes in strong where it really counts, with $100,000 in emergency medical coverage and $500,000 for emergency medical evacuation benefits. Trip cancellation coverage is available for up to your full trip cost, but there is no trip interruption benefit.

We were quoted $33.41 for this plan for a 19-year-old visiting Mexico.

‌Best Student Travel Insurance for International Students: IMG

International students traveling to the U.S. may be limited in choices with trip cancellation and interruption coverage, but medical coverage is often generous. The IMG Patriot America Platinum policy has no benefits for trip cancellation and just $10,000 for trip interruption, but it offers $2 million each for emergency medical and emergency evacuation benefits.

This $2 million in coverage was quoted to us for just $25.76 for a 20-year-old student visiting the U.S. from China.

‌Best Student Travel Insurance for Medical Coverage: John Hancock Insurance Agency

Medical coverage is key when traveling far from home, and the John Hancock Insurance Agency Silver plan offers good emergency medical benefits. This plan provides $500,000 in medical evacuation coverage and $100,000 in primary emergency medical benefits. While primary coverage costs more, it’s also more helpful because you don’t have to go through any other insurance coverage before it kicks in. This plan also offers up to 100% reimbursement for trip cancellation and 150% for trip interruption.

We got a quote on this plan for $68 for an 18-year-old visiting Germany.

Best Student Travel Insurance for Exchange Students: Berkshire Hathaway

Travel insurance for longer, more costly student travel, such as exchange programs, is more expensive than what you’d get for a week or 2 abroad. Still, the Berkshire Hathaway Travel Protection ExactCare Value plan offers a reasonable rate for up to 100% trip cancellation and interruption insurance, $15,000 in secondary emergency medical benefits, and $150,000 in emergency medical evacuation coverage.

Our quote for a 17-year-old on a 6-month exchange program in the U.K. was $189.

Best Student Travel Insurance for COVID-19: Aegis

Concerns about COVID-19 can interfere with your travel plans, whether you get sick before your trip or pick it up along the way. Most travel insurance policies include COVID-19 in trip cancellation and interruption coverage as well as emergency medical benefits, and the Aegis Go Ready Choice plan is no exception. You can get up to 100% reimbursement for trip cancellation or 150% for trip interruption with COVID-19 as a covered reason. You’ll also get $50,000 in secondary emergency medical coverage, including COVID-19, and $250,000 in emergency medical evacuation.

We got a quote for $35 to cover a 21-year-old visiting China.

Travel insurance is often worth it, especially if you can’t afford to lose your nonrefundable travel expenses or you’re traveling internationally. As young travelers, students in particular may find having a 24/7 assistance hotline helpful. If it’s your first time traveling abroad, knowing that assistance is just a phone call away can be reassuring.

Student travelers may run into issues such as language barriers, not understanding cultural norms, getting sick from food, or overdoing it with alcohol. You may get support for these challenges from a student travel insurance policy.

Traveling to a country where you’re old enough to drink? Be careful not to overdo it, and check your travel insurance coverage. Some emergency medical benefits limit or exclude coverage for medical care related to intoxication or drug use.

Students who have saved up to be able to take a trip may be concerned about losing nonrefundable trip costs. If your bookings aren’t refundable and you’re not willing to risk your travel investment, travel insurance can give you some reassurance. Travel insurance policies offering trip cancellation or interruption coverage will reimburse you if you need to cancel or cut short your travel due to covered circumstances. That way, you can get your money back and take your trip later.

Health coverage is also a major reason why students might choose to get travel insurance. You shouldn’t expect your U.S.-based health insurance to cover medical treatment when traveling abroad. Most travel insurance policies offer emergency medical benefits that can help you get the medical care you need without worrying about how you’re going to pay for it. Student visa holders may be required to hold health insurance.

Emergency medical evacuation coverage can help you get medical care if your destination doesn’t have adequate medical facilities to treat you. This coverage can save you money — and potentially your life — with 6-figure benefits available to connect you with care.

While cancellation and medical coverage are the most important benefits you can get from student travel insurance, you may find additional benefits helpful. Some travel insurance policies offer coverage for financial default, which is when your tour operator goes out of business. You may also be covered if you’re laid off from work and need to cancel for financial reasons. Canceled flights, lost bags, and missed connections may also be covered, so you can get reimbursement if you have to deal with these travel mishaps.

Another benefit that may make student travel insurance worthwhile is a 24/7 travel assistance hotline . A travel assistance hotline can help you with travel needs, from destination information to emergency cash, roadside assistance, or getting local medical care. In an emergency, the hotline can help keep loved ones updated at home, offering reassurance and peace of mind to family members who might be anxious about your safety while you travel.

Some international study programs require travel insurance. Make sure your policy meets the requirements, or consider purchasing from the program’s recommended provider.

Generally, student travel insurance costs about 5% to 10% of your total trip cost if you’re purchasing a comprehensive plan. Limited plans like those just for trip cancellation or medical coverage may cost less. 

If you’re taking a $2,000 trip, that 5% to 10% breaks down to about $100 to $200, though your rates may be less as a young traveler. Comprehensive travel insurance policies usually include trip cancellation and interruption coverage, emergency medical benefits, and emergency medical evacuation — in addition to roadside assistance and a travel assistance hotline.

While you can generally expect to pay between 5% and 10% of your trip cost, how much student travel insurance costs depends on factors influencing your policy quote. These include:

• Coverage options you choose
• How long your trip is
• How much your trip costs
• How old you are
• Policy deductibles and limits
• Where you’re going
• Additional benefits, such as Cancel for Any Reason (CFAR)

Get more information on what you can expect to pay for student travel insurance in our guide to the average cost of travel insurance .

Though each coverage plan may vary, most comprehensive student travel insurance includes these benefits:

• Emergency Medical: Your insurance can pay for emergency medical treatment whether you get sick with a virus, break a leg, or need serious medical care.
• Emergency Evacuation: If you need serious medical care that’s not available at your destination, your travel insurance may offer coverage that can evacuate you to a medical facility that can care for you appropriately.
• Trip Cancellation: If you cancel your trip for covered reasons, such as severe illness or a natural disaster, you can get 100% reimbursement for your nonrefundable travel costs. However, keep in mind that this coverage typically won’t cover refunds for educational programs, such as deposits you’ve made for tuition or room and board.
• Trip Interruption: Similar to trip cancellation, trip interruption may offer 100% or 150% reimbursement for nonrefundable travel costs if you need to cut your trip short due to covered reasons.
• 24/7 Travel Assistance Hotline: You can call or chat with your travel insurance company’s assistance hotline to get help with travel needs, such as replacing lost credit cards or identification, finding a medical facility, or keeping your family updated in an emergency.
• Travel Delay: Your travel insurance coverage may offer benefits if your travel is delayed significantly, such as a flight that’s several hours late. Missed connection benefits may also be available.
• Baggage Delay or Loss: With this coverage, you can get reimbursed for lost baggage or for items you needed to buy while your baggage was delayed.
• Rental Car Damage: If you’re renting a car and have this coverage, you can decline the rental car company’s insurance and use your travel insurance coverage for damages instead.

Some of the expenses your student travel insurance may cover include plane tickets, hotel bookings, prepaid car rentals, tour tickets, meals, clothing, toiletries, and medical costs.

Read the details of your travel insurance policy’s medical benefits. Coverage details you may want to confirm include emergency contraceptives, COVID-19 testing and treatment, mental health care, and intoxication-related incidents.

Many travel insurance policies include coverage for COVID-19. Look for COVID-19 coverage in trip cancellation and interruption benefits as well as in emergency medical and evacuation benefits.

Types of Student Travel Insurance

Comprehensive travel insurance policies are a common choice for students, but you can generally customize your travel insurance coverage to fit your needs. Some policies allow you to just get emergency medical coverage or opt for trip cancellation only. 

Additional coverage options may allow you to add CFAR coverage, allowing you to cancel your trip for any reason — not just the covered reasons in your standard coverage. With CFAR, you won’t get full reimbursement, but you’ll generally get 50% to 75% reimbursement, depending on the policy you choose. 

Some student travel insurance policies may offer additional coverage for adventure sports . For example, suppose you’d like to do some rock climbing, sky diving, or bungee jumping on your trip. In that case, most student travel insurance policies won’t cover those activities unless you add adventure sports coverage .

If you’re taking a gap year, participating in a student exchange program, or otherwise taking an extended trip as a student, you may want to consider an annual travel insurance policy . With an annual travel insurance policy, you can get insured for all of the trips you take within the covered year, whether you’re doing long trips or multiple short ones.

What To Look for in a Student Travel Insurance Policy

Although student travel insurance policies frequently offer many of the same coverage types, there are variables that should influence which policy you choose. These factors can change how much you pay, how much coverage you get, and ultimately, the experience you have if you need to use your student travel insurance. 

Consider these factors as you compare student travel insurance plans:

• Cost: Students on a tight budget may primarily consider cost. You can find the best deal on student travel insurance by getting multiple quotes from insurance companies. Just be sure to compare coverage, too, as the cheapest student travel insurance policy may not have all the benefits you need.
• Benefits: Look at the list of benefits and coverage to see what’s included, such as emergency medical treatment and evacuation, trip cancellation, and baggage delay. If you want CFAR or adventure sports coverage, confirm it’s available.
• Deductibles and Limits: You’ll find the most variables in how much a student travel insurance policy covers. For example, a policy may only offer $50,000 in secondary emergency medical insurance, but you might want a policy that offers $100,000 or more in primary emergency medical coverage.
• Exclusions: Understand what’s included and what’s not. Some policies may allow you to cancel your trip and receive reimbursement if you have work or school commitments you can’t get out of, but that’s not the case for all, so you should read the fine print.
• Requirements and Details: Details such as how long your travel has to be delayed before you can get trip delay benefits or how close to your trip you can cancel and still get a refund.
• Eligibility: Some student travel insurance policies may have restrictions on ages, destinations, trip duration, and other criteria that make you or your trip ineligible for coverage.
• Company Reviews and Ratings: Before you purchase your student travel insurance policy, consider what other customers have to say. Look for expert and customer ratings and read reviews to get an idea of the experience you can expect from the travel insurance company you’re purchasing coverage from.

If you’re traveling on a student visa, such as an F-1, J-1, or J-2 visa, you may have health insurance requirements. Check your coverage to make sure the student travel insurance policy you’re considering will offer the health insurance benefits you need. 

Travel insurance policies may exclude competitive sports, so check each policy’s fine print to make sure any sports activities you’ve planned are covered. For example, if you’re traveling for a collegiate sports activity.

There are a few ways to get student travel insurance: at booking, with your student travel program, or independently by shopping directly with travel insurance companies.

Getting Insurance With a Student Program

If you’re planning to travel with a student exchange program or on a student group trip, the organizer or travel agent may offer travel insurance policies you can purchase when you plan your travel. The benefit of going this route is you can get coverage from a travel insurance company that the program trusts, and it may offer the right coverage for the trip you’re planning.

Getting Insurance at the Time of Booking

Even when you’re booking travel on your own, you may get offers for travel insurance. Some airlines and hotels offer travel insurance at checkout. Online travel agencies (OTAs) such as Expedia and Booking.com typically offer travel insurance when you make a booking.

Purchasing the travel insurance policies offered to you from your travel program or at booking may make sense, but it’s still a good idea to compare these policies with other options. Consider student travel insurance you can get directly from a travel insurance company.

Getting Insurance After Booking

If you’re shopping on your own for travel insurance companies , you can visit travel insurance company websites to get quotes. If you want to save some time, you can use a travel comparison website such as Squaremouth that can give you quotes for policies from travel insurance companies that meet your search criteria.

In any case, it’s best to purchase student travel insurance shortly after booking. You can make the most of your coverage if you buy travel insurance within 2 weeks of making your first trip payment.

You may have travel insurance from a credit card , such as the Chase Sapphire Preferred ® Card . Look carefully at your card’s travel protection benefits to consider whether it’s enough to cover your needs for an upcoming trip. If your card coverage isn’t enough, see where a student travel insurance policy can fill in the gaps.

Traveling as a student can be a thrilling experience, though not without risks. If you want to travel more confidently and quell anxieties, student travel insurance might be just the ticket. You can get covered for medical care, travel assistance, cancellations, and even evacuation if you need it. Just be sure to shop around to find the best coverage at a good price to meet your student travel needs.

Frequently Asked Questions

What does student travel insurance cover.

Actual coverage depends on the plan you select, but student travel insurance generally covers emergency medical treatment and evacuation, trip cancellation and interruption, travel delays, baggage delay or loss, rental car damage, and 24/7 travel assistance.

Do international students need health insurance in the U.S.?

If you have a J-1 or J-2 visa, the U.S. Department of State requires that you have medical insurance for the length of your program. However, the U.S. government doesn’t require F-1 visa holders to have medical insurance. Still, universities may require international students to carry health insurance regardless of visa requirements. Even if you’re not required by the government or educational programs to carry medical insurance, it’s still a good idea because medical care in the U.S. can be very costly without insurance coverage.

What type of travel insurance do college students need?

Most college students will find a comprehensive travel insurance policy adequate for their needs. This type of coverage offers a broad array of benefits ranging from trip cancellation to emergency medical care.

Do I need health insurance to study abroad?

It’s likely you’ll need health insurance to study abroad. Your host country, study abroad program, or school may require it. Even if health insurance isn’t required, you should consider getting medical coverage so you can get the care you need if an emergency pops up while you’re overseas.

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About Jessica Merritt

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

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International Student Insurance (ISI)

ISI is the leader in reliable and affordable international student insurance plans, with a 5-Star customer service rating. Find your plan below:

Find your plan

International Student Insurance Plans

International Student Insurance is the premier destination online for international student health insurance and international student travel insurance plans. Our plans are not only comprehensive, but they are affordable for any budget, and are specially designed to provide health insurance for international students.

Comprehensive but affordable, international student health insurance plans are designed to meet visa requirements and provide key coverage that schools want, like mental health, sports and maternity. With multiple plans and levels offered, we have a plan for every international student budget and need.

For international travelers around the world, travel medical plans offer instant coverage up to $5 million for trips from 5 days to a year outside of your home country. With your choice of deductibles and plan levels, travel medical insurance is very flexible to meet the needs of travelers and students.

For expatriates, families and students that need long-term, more permanent coverage, we offer international major medical plans. Once purchased, you can renew these benefit-rich plans annually for as long as you remain eligible.

ISI offers a range of international student insurance options to meet school and country requirements, including for those on F (includes OPT), M, or J visas as well as for students studying abroad. Our commitment to outstanding customer service and support sets us apart and ensures that our clients always have the information they need to make informed decisions.

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Our coverage is worldwide, but visit our country guide if you are studying in or traveling to:

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Latest international student insurance posts.

In addition to our range of health insurance plans for international students, we also provide:

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Learn more about our plan options and free school resources including videos, presentations, insurance best practice guide, and more.

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Would you like to offer international insurance and travel insurance plans to your clients around the world? Find out more about becoming an insurance producer.

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Student Travel Insurance Benefits

Study-abroad and student travel programs are an incredible opportunity for young people to experience the wide world. But as any chaperone can tell you, there's always one student who misses the plane, loses their passport or ends up in the hospital after eating bad pineapple. What will you do if it's your son or daughter?

Three Things You Need To Know Before Buying Student Travel Insurance

School travel coordinators will do their best to help, but what you really need is a student travel insurance  policy that includes emergency medical services coverage and trip cancellation coverage . Whether your student is embarking on domestic travel or a long international vacation , you need to get student travel insurance first. Here are the three reasons why.

1. Student travelers take more risks.

Sometimes, the thrill of studying abroad erases young travelers' good judgment. They may leave their bag on the beach while snorkeling, only to find someone has stolen their passport. Or they may sprain an ankle while learning to dance the Merengue. It's all part of the adventure - and it's okay, as long as they have student travel insurance.

Look for a student policy that includes things like medical coverage, trip interruption coverage, emergency medical evacuation coverage, 24/7 travel assistance services and more.

2. In an emergency, student travel insurance may provide valuable guidance.

For student travelers who have never left home before, traveling overseas can be scary because they don't know what to do in an emergency. That's when a student travel insurance policy with access to a 24-hour hotline can help. No matter where students are in the world, a multilingual specialist can offer guidance for all kinds of problems, from tracking down lost baggage to getting emergency medical care.

3. Student travel insurance gives you peace of mind.

It's hard enough to wave goodbye to your daughter before she boards an international flight for the first time. Do you really want to be worrying about her every minute she's overseas? A student travel insurance policy lets you know she's covered in case the unexpected happens. Look for a policy that offers coverage for illness, accidents, lost baggage, missed flights, theft or other international emergencies. Make sure you review your insurance plan carefully before you buy, because not all plans offer the same coverage.

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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.

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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The Best Student Travel Insurance Companies of 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

Sarah Horvath is one of the home service industry’s most accomplished writers. Her specialties include writing about home warranties, insurance, home improvement and household finances. You can find her writing published through distributors like HouseMethod, Architectural Digest, Good Housekeeping and more. When not writing, she enjoys spending time in her home in Orlando with her fiance and parrot.

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 Travelex , thanks to its budget-friendly policies and quick applications.

Compare Student Travel Insurance Companies

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.

Pros & Cons

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.

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.

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.

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.

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.

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.

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.

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.

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.

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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 questions about this page, please reach out to our editors at [email protected] .

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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 .

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.

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Student Health Insurance

Empower your academic journey with Student Health Insurance – a comprehensive shield for your well-being, ensuring you can focus on learning, growing, and thriving.

WHAT IS IT?

Student health insurance provides essential medical coverage for students studying abroad.

Student health insurance provides financial protection for students who are studying outside their home countries, ensuring that they receive necessary medical care in case of illness or injury. Compared to the medical insurance plans provided by universities, which may not have as many to choose from, student health insurance has several options to fit your budget.

Moreover, it acts as a vital document for visa applications, especially for Schengen and American visas. With this comprehensive coverage, you can embarking on your educational journey abroad with confidence.

Student Health Insurance Plans Are Great For:

Individuals and groups participating in international student programs

Cultural exchange participants

International graduate students

Scholars and educators

Dependents of those participating in international study programs

What are the Benefits of Student Health Insurance?

Medical coverage.

Provides crucial support for mental health, maternity care, and injuries sustained during sports and activities, in addition to standard medical coverage.

Comprehensive Healthcare

Visa application support.

Facilitates your visa application process by providing evidence of comprehensive coverage, particularly as a required document for Schengen and America visas for student.

Eligible Medical Expenses

Hospitalization

COVID-19 / SARS-CoV-2

Physician Visits/Services

Prescription Drugs and Medications

Student Health Center

Mental or Nervous

Sports & Activities

Dental treatment

Personal Liability

Emergency Medical Evacuation

Emergency Local Ambulance

Emergency Reunion

Accidental Death & Dismemberment

* Note : The benefits of travel insurance will depend on the specialized coverage package you choose.

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An easy step-by-step process. The traveller consultants are fast and friendly. The total cost is adequate.

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What is international student travel insurance?

International student travel insurance is a type of insurance designed to provide financial protection and assistance to students traveling abroad for educational purposes. It offers coverage for various travel-related risks, including medical emergencies, trip cancellations, baggage loss, and other unforeseen events during their time abroad.

Traveling to a foreign country for education exposes students to new experiences and opportunities, but it also comes with certain risks. International student travel insurance is essential to safeguard students from potential financial burdens arising from medical emergencies, accidents, or other travel-related mishaps that can occur while studying abroad.

Moreover, the cost of international student travel insurance varies depending on factors such as the student's age, destination country, coverage limits, duration of coverage, and the chosen insurance provider. Generally, the cost is a fraction of the overall expenses associated with studying abroad, making it a worthwhile investment for students' safety and peace of mind.

Can students get a discount on travel insurance?

Yes, students can get discounts on travel insurance. Many travel insurance plans for students may offer more affordable premiums and tailored coverage to suit students studying abroad. The discounts available to students can vary depending on each insurance package and the specific policy. Here are some common ways students may qualify for discounts on travel insurance:

• Exploring the seasonal promotions for student travel insurance
• Choosing the suitable student travel insurance plan
• Buying travel insurance well in advance of the trip may entitle students to early bird discounts

Remember that the availability of these discounts may vary over a period, so it's essential for students to compare the policies and travel insurance to find the most suitable and cost-effective travel insurance to get an early purchase.

Does travel insurance cover medical expenses abroad?

Yes, travel insurance typically covers medical expenses abroad. This coverage ensures that if you become ill or injured while traveling internationally, your insurance can help with hospitalization, doctor's visits, prescription medications, and even emergency medical evacuations if needed. It provides peace of mind knowing that you can access necessary healthcare without facing substantial out-of-pocket costs. However, coverage specifics can vary, so it's essential to review your policy to understand the limits, deductibles, and any exclusions related to medical expenses while abroad.

When Should You Buy a Travel Insurance Plan?

In general, you have the flexibility to purchase travel insurance at any time before your trip. However, it's strongly recommended to do so as soon as you've confirmed and paid for your journey. Securing coverage early ensures you're protected against unforeseen disruptions in your travel plans. Moreover, travel insurance frequently serves as a vital document during the visa application process. So, buying it soon helps simplify administrative procedures, contributing to your smoother journey.

Helpful articles

Student insurance

How to choose the right Travel Insurance for F1 Visa?

Obtaining an F1 visa is a crucial step for international students studying in the United States. If you consider “Is travel insurance mandatory for F1 visa”, we’ll help you clear this question.

Tips for Finding the Best Study Abroad Insurance for International Students

Studying abroad is an exciting and life-changing experience. And travel insurance comes in to offer the safety net during this journey.

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Let’s Travelner discover the importance of student travel health insurance, its coverages, and how to choose the right plan in our comprehensive guide. Stay protected while studying abroad!

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Are you an international student coming to study in Canada?

Or are you a Canadian student planning to study out-of-province or out-of-country?

From a viral infection to a dental emergency, anything can happen. Getting sick or injured away from the comforts of home can be especially stressful, so you’ll want to know you’re taken care. That’s where student travel insurance comes in. At TuGo, we’re here to help. We’ll make sure you get the best possible medical care so you can concentrate on what matters most, like getting your assignments in on time and making new friends!

Student Insurance for International Students Studying in Canada

Medical and dental treatments are expensive in Canada and international students often can’t get provincial healthcare. That means if you experience an emergency, you’ll be responsible to pay for any medical care costs while you’re here.

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Student Insurance for Canadian Students Studying Abroad

Did you know that the full benefits of your provincial medical health plan don’t travel with you? That means if you experience an emergency abroad, you could be stuck with costly medical bills. In fact, most schools require you to have a medical insurance plan before you begin your classes.

Homestay student well taken care of here in Canada

14-year-old homestay student Huan was playing basketball and injured his ankle. X-rays showed a hairline fracture, requiring Huan to use a walking boot for 4 weeks. A month later, he came down with a severe cough, requiring antibiotics. It took several clinic visits and 3 different antibiotics to make him well again.

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What’s in it for you?

Medical expenses & accident cover

Unique features like Family visit, Sponsor accident cover

One policy for whole year

WHY DO I NEED STUDENT TRAVEL INSURANCE?

Leaving the nest is hard. Not only are you leaving behind the familiar comfort of your home but also the constant support of your family. It can get especially difficultat first because you are expected to focus on your education while adjusting to a new country all by yourself.

In a situation like this, you could use a solid support system that looks after your needs and our Student Travel Insurance does just that.

While studying in foreign universities gives you an edge in your career, a Student Travel Insurance takes care of unexpected expenses that might crop up anytime. Be it a medical emergency, loss of passport, loss of baggage or a visit from a family member in case of an emergency, a Student Travel Insurance is one of your most trusted friends in a foreign country.

Offering financial help in these situations, our customised Student Travel Insurance Policies give you the peace of mind in case of an eventuality. Thus, it allows you to focus on your studies and achieve your goals.

Our global expertise combined with local knowledge help us know your needs and we have tailored our Student Travel Insurance packages accordingly. Hassle free and quick disbursement of claims coupled with in-house international toll free and fax numbers ensure instant support whenever you need.

• Policy Information
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SPECIAL FEATURES OF BAJAJ ALLIANZ STUDENT TRAVEL INSURANCE

Our policies offer coverage for :.

1. Medical expenses due to hospitalisation

2. Loss of checked baggage

3. Bail bonds and tuition fees (Offered with Student Elite and Student Prime plans)

4. Loss of passport (Offered with Brilliant Minds and Student Prime plans)

5. Family visit

6. Accident to sponsor and other incidental expenses

7. Emergency dental pain relief (Offered with Study Companion, Student Elite and Student Prime plans)

Why Travel Insurance?

Instant On-call Support Anywhere in the World

Just like your loved ones at home, we are yourbest companions abroad. For any query or support just give us a missed call on our toll-free number +91-124-6174720 and we will connect with you on priority. Quick, fast, and hassle-free, we are by your side whenever you need us.

GOT A QUESTION? HERE ARE SOME ANSWERS THAT MIGHT HELP

What is student travel insurance.

A Student Travel Insurance is a kind of insurance policy offered by insurance companies tailored for students who wish to study abroad.

Who can buy Student Travel Insurance?

Any student who wishes to pursue higher studies abroad or need to travel abroad for higher academics in a foreign country can buy a Student Travel Insurance.

Is it absolutely necessary to have a Student Travel Insurance?

No. It’s not necessary to have a Student Travel Insurance. However, some Universities across the globe where you enrol for higher education make it mandatory for every foreign student to have a Student Travel Insurance. 

Also, it’s financially prudent to opt for it when you go abroad to protect yourself financially in case of any unpleasant event such as loss of passport, medical emergency, loss of baggage, etc.

How can I avail a Student Travel Insurance?

You can avail a Student Travel Insurance online. Just visit our website, fill up the online application form, make the payment and you are done. It’s quick, seamless and hassle free.

When should I buy a Student Travel Insurance?

Ideally, you should buy a Student Travel Insurance when you go abroad and need to stay for a certain period of time for your education. Depending on the course you choose, a foreign stay can range anything between a year to three years. In other words, you should get this insurance for the number of years you are abroad.

How does a Student Travel Insurance Policy benefit me?

A Student Travel Insurance policy has multiple benefits. Medical expenses are much higher in a foreign country than they are in India. In case you face a medical emergency abroad, it can burn a big hole into your pocket. Having this policy takes care of the hospitalisation expenses.

It also covers up for financial losses incurred due to loss of baggage or passport during your stay. In case you suffer any bodily injury, the policy bears the cost of your treatment. These are some of the readily available benefits of having this policy.

Which type of Student Travel Insurance should I buy?

To cater to your unique needs while staying abroad, we, at Bajaj Allianz, have come up with three different types of Student Travel Insurance Policies - Student Companion Plan, Student Elite Plan, and Student Prime Plan. Each of these plans has further variants with a pre-defined benefit.

You can choose any of these plans and its variants as per your choice. 

On what factors do the premium amount depend?

The premium amount depends on the type of plan you choose, the sum insured, and the add-on features. Ideally, you should choose a plan that best suits your needs and gives you an all-round protection.

Can I be issued more than one policy for the same trip?

No. You will only be issued one policy for your journey.

What’s the minimum and maximum age for buying a Student Travel Insurance?

●        Minimum age: 16 years of age.

●        Maximum age: 35 years of age.

What is the policy period?

Generally, the policy period ranges from 1-3 years. This can be further extended for 1 more year.

What is deductible?

Deductible is a cost-sharing model whereby the insurer is not liable to pay a specified monetary amount or the benefits of the policy kick-in after a specified time period. Note that a deductible doesn’t reduce your sum insured.

It simply means that you will have to bear a certain portion of the expenses out of your own pocket. Our Student Prime Plan has deductibles under certain sections. 

How do I make a claim on my policy?

Making a claim is really easy. All you need to do is call our helpline number and intimate us regarding your claim. Our executives start the claim initiation process as soon as it’s received. Do remember to keep your policy details, passport number etc., with you while raising a claim.

Our executives will tell you about the documents you need to substantiate your claim. We settle your claim within Y hours.

What happens in case the overseas stay is extended?

In case your overseas stay is extended for reasons beyond your control, you must immediately reach out to us. We will accommodate the extension, for which you need to pay an additional premium.

What if I want to cancel my policy?

If you feel you don’t want the policy and wish to cancel it, you can easily do so. Cancelling your policy will fall under three sections:

1.       Before the commencement of the policy period

2.       After the commencement of the policy period during which you haven’t travelled

3.       After the commencement of the policy period during which you have travelled

The rules for cancellation are a little different under each of these sections. While in the first case you just need to email us, in the second case you need to send/email us certain documents. In the third case, refer to the table given above to know about refunds.

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Payal Nayak

Very user friendly and convenient. Appreciate Bajaj Allianz team a lot.

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Very nice services with affordable premium of Travel insurance.

BAJAJ ALLIANZ STUDENT TRAVEL INSURANCE OFFERINGS

TWe offer a gamut of Student Travel Insurance Policies for you to choose from as per your needs. Our offerings include:

STUDENT COMPANION PLAN

Student elite plan, student prime plan.

The Student Companion Plan covers the cost of any medical treatment or exigency that you may face while studying abroad. We offer you three plans to choose from – Standard, Silver, and Gold - based on the sum insured and the premium amount.

* All figures are in USD

Buy Student Companion Plan Today!

Our customised Student Elite Plan covers your trip abroad and takes care of health-related needs during your stay in a foreign country. This plan gives you three plans to choose from – Standard, Silver, and Gold.

Buy Student Elite Plan Today!

Loaded with premium features, our Student Prime Plan covers any medical emergency including hospitalisation and other expenses for a fraction of the amount that you would need otherwise to shell out. The Student Prime Plan offers you seven options to choose from – Standard, Gold, Silver, Platinum, Super Gold, Super Platinum, and Maximum.

Buy Student Prime Plan Today!

Going abroad to study? Bajaj Allianz is with you!

Mora than 6 lakh Indian students studying abroad

IMPORTANT POINTS TO NOTE BEFORE BUYING STUDENT TRAVEL INSURANCE

Medical expenses, evacuation and repatriation

Emergency dental pain relief

Tuition fee cover

Personal accident

Accident cover to sponsor

Family visit

Personal liability

Bail bond insurance

Though each of our Student Travel Insurance is tailored to meet your unique needs, there are certain exclusions under our policies. 

Any existing medical condition or complication arising from it before the commencement of the travel insurance plan period, or for which care, treatment or advice was sought, received or recommended by the physician

Routine physical or other examination where there’s no objective indication or impairment of normal health

Medical expenses incurred after the end of the policy period

 Suicide, attempted suicide or wilful self-inflicted injury or illness, anxiety/stress/depression/nervousness having no underlying physical illness as a cause

Losses suffered due to venereal disease, alcoholism, drunkenness or the abuse of drugs

Manual work or risky and hazardous occupation, self-exposure to an unnecessary danger (barring in an attempt to save human life), involving in any illegal or criminal act

Pregnancy, resulting in childbirth, abortion, miscarriage, or complication arising out of any of the foregoing

Medical expenses incurred due to experimental, unproven or non-standard treatment

Treatment by any other means other than modern medicine (Allopathy)

Cost of spectacles, hearing aids, crutches, contact lenses and all other external appliances and/or devices whether for diagnosis or treatment

Late arrival of baggage when said destination is India

Loss or damage to your passport as a result of the confiscation or detention by the concerned authorities

Loss which is not reported to the concerned police officials within 24 hours of the discovery of the loss, and in respect of which an official report has not been obtained

Damages suffered due to your failure to take reasonable steps to guard against the loss of passport

Set Renewal Reminder

Thank you for your interest. We will send you a reminder when your policy is due for renewal.

Download Student Travel Insurance Documents

• Policy wordings
• Proposal form

WHAT IF I NEED TO CANCEL MY TRAVEL INSURANCE POLICY?

Just as it’s easy to avail our Student Travel Insurance Policy, so is the way to cancel it. Given below is the cancellation procedure under three possible situations:

• Send us an email requesting cancellation.
• Give us the policy number or schedule number, which’s required to take the process further.

Note that you need to pay Rs 250/- as cancellation charges in this case.

In this scenario, you need to send us the following documents to cancel the policy:

• Proof that you’ve not travelled to a foreign country.
• Photocopy or scan copy of all the pages of your passport, including the empty ones.
• Reason for policy cancellation.
• Visa rejection letter in case the embassy has rejected your visa.

Based on the approval from our underwriters, we will cancel the policy within one working day after receiving your email and the passport copy post start date.

In this case, an early return before the expiry of the policy period, we will retain the premiums as shown the table given below, and return the rest, subject to no claims incurred on the policy.

Customer Reviews & Ratings

Average Rating:

(Based on 5,340 reviews & ratings)

David Williams

Pretty smooth process. Hassle free process while buying travel insurance

Satwinder Kaur

I like your online service. I am happy with that.

Madanmohan Govindarajulu

Straight forward online travel insurance quote and price. Easy to pay and buy

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• Introduction
• What's included?
• What's not included?
• Why Choose HDFC ERGO?

International Student Travel Insurance

Studying abroad is a dream come true for many students as it opens millions of opportunities for them to explore and carve a niche in their careers. It is a life-changing decision and brings many expectations, fun and lessons for life. However, leaving one’s family and friends behind and living in a faraway land for the sake of your career isn’t easy. With all the joys and jubilation comes a decent amount of risk, like medical emergency, study disruption, loss of documents or other unfortunate events. This is why getting a student travel insurance policy is essential to secure your stay if you are planning to study abroad. If you wish to go for a short stay to the country where you plan to study, get International travel insurance to ensure you are geared up to face any challenge that might disrupt your stay.

Once you have decided on the country and the university of your choice, select the right student travel insurance policy to give you the requisite support during your stay. HDFC ERGO offers Student Overseas Travel Insurance Plan, which seamlessly covers medical expenses, stay disruption, baggage-related and travel-related risks.

Wherever you choose to pursue your overseas education, we will cover you!

What’s included medical related coverage.

Being a student in a foreign land, sudden sickness or injury may take a toll on your finances, with our insurance we provide cashless medical treatment in case of hospitalisation.

Maintain that smile as we reimburse for dental expenses in case of injury or acute pain.

We will literally get you out of distressing situations with emergency medical evacuation via air/surface to the nearest hospital.

In case of death, we’ll bear the cost to transfer the mortal remains to the home country.

We will pay you a lump sum amount in case of an unfortunate accidental event leading to the death.

While we cannot compensate for your loss, we promise to help by compensating in case of permanent disability in an accident.

If an unfortunate accident causes permanent disability, we’ll provide a lump-sum compensation to make things a little easier for you.

What’s Covered?

Baggage-related coverage.

Don’t let lost luggage slow you down as you embark upon a new journey in life. Let us compensate for the loss.

Kick start your classes even without your luggage with funds for emergency purchases in case of baggage delay.

Stay-related

In a foreign land, if you are accidentally liable for any third party damage, we will compensate you for the same.

We would help you out of a legal difficulty by paying the bail amount on arrest/detention for a bailable offense.

Refund of tuition fees in case your study gets interrupted due to prolonged hospitalisation or death of immediate family member/sponsor.

Your guardian became an angel? We’ll pay tuition fees in the event of accidental death of your sponsor.

Nothing better than a familiar face in a foreign country. Any immediate family member’s visit is on us in case you are hospitalized for more than 7 days.

Fret not! We’ll reimburse you for a new one.

What’s Not Included?

Any sickness or health issues caused to due to war related injury, or a breach of the law.

If you consume intoxicant or banned substance, the policy shall not entertain any claims.

If you’re suffering from a disease travelling or undergo treatment for an illness which already exists, we do not cover it.

If you or your family member choose to undergo cosmetic or obesity treatment, it stands uncovered.

We apologise but if you hurt yourself or get hospitalised due to suicide attempt we shall not be able to cover you

Any injury caused due to an adventure sport remains uncovered.

International Travel Insurance for Most Visited Countries

Secured Over 1 Crore+ Smiles!

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Pay only for the days you travel

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We specialize in International Travel and Major Medical Insurance.

We provide foreign visitors to the United States and U.S citizens traveling or living abroad with high quality and low cost Medical Insurance plans. We are here to provide you with the proper resources to ease the stress of an unfamiliar culture and medical system. Our plans are designed to guarantee that you obtain proper medical care and coverage for the associated costs. StudentTravelInsurance.com provides thousands of travelers with the highest quality International Travel Insurance available. Our travel insurance plans cover a wide array of expenses for the international traveler. This coverage can span from 5 days up to two years. The benefits may include a choice of deductibles ranging from $100 to $2,500, out of pocket maximum of $1,000, medical expenses, inpatient and outpatient expenses, emergency reunion and evacuation, ambulance, intensive care, accidental death and dismemberment and repatriation expenses.

At StudentTravelInsurance.com you can buy the best in travel insurance, international medical insurance, travel protection, emergency evacuation & repatriation, and assistance services with 24-hour worldwide medical coverage that transcends all borders. We offer a variety of products to suit all your travel health and safety needs.

On this site, you can buy travel insurance right out of your home or office conveniently without having to call an insurance agent or company for medical insurance quotes. This site offers an online purchase facility and instant approval and coverage. This facility is open for 365 days, 24 hours a day.

StudentTravelInsurance.com is an interactive web site from Vision Financial Services. Providing the internet-savvy customer with a simple straight forward way to browse the web for some of the best products available in International Medical Insurance. Vision Financial Services is uniquely positioned to offer convenient solutions to almost any family, individual or group searching for the added security found only through International Medical Coverage.

It is our goal to offer the fastest and most efficient way to identify, evaluate and purchase the right international insurance policy that fits your needs. This site is structured to provide you with all the information and answers you will need to make a buying decision. However, if you need personal assistance at any time, please do send us an email to [email protected] or give us a call at Phone: 1-516-417-5678 Fax: 1-516-932-0998 Vision Financial Services, Inc. 26 Princeton Drive, Syosset, New York 11791

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Student Travel Insurance

Medical & trip-related coverage for worry-free studies abroad

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• Worldwide excluding USA or Canada This field is required.
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Second Form Come Here

Why our customers love us.

And, we think you will too.

Comprehensive coverage

at pocket-friendly prices

Cashless hospitalisation worldwide

facilitated by United Health Group and Falck

Tailor-made plans

to suit your university requirements

What is Globetrotter – Overseas Individual Student Travel Insurance?

Studying abroad comes with a host of challenges for young students. Firstly, you’re struggling to adjust to all the differences in the country that you’ll be calling home for a few months or years. Secondly you’re always on a tight budget, and you have to manage your living expenses wisely. In such a situation, if a health issue crops up or if some other concern interrupts your study abroad, it can cause unnecessary stress.

Globetrotter – Overseas Individual Student Travel Insurance can be a life saver in case an unforeseen emergency affects you while you’re studying abroad. Moreover, most universities overseas have a mandate of medical insurance for fulfilling the admission criteria. Our policy keeps you safe in case of unexpected medical costs and helps you meet such admission criteria too. You can purchase this policy in India and pay the premium in INR while availing coverage in your destination country, with the added convenience of prompt claim settlements.

Why should you buy Globetrotter – Overseas Individual Student Travel Insurance?

Here’s why this policy should be a critical part of your checklist before you move abroad.

Cost effective

You can buy the policy in India and pay the premium in INR. This turns out to be very affordable, if you compare buying similar insurance overseas.

Meets admission criteria

Since most foreign universities require student travel insurance as a must-have before joining, this policy can help you meet their necessary admission criteria.

Holistic coverage

This policy doesn’t just cover your hospitalisation expenses in case of an accident or illness. It also covers loss of checked-in baggage, personal liability, study interruption and various other events.

What is covered under Globetrotter – Overseas Individual Student Travel Insurance?

Here’s what’s covered and what’s not.

Medical coverage

1.  health cover.

In case you fall ill or meet with an accident on your trip abroad, we cover your medical expenses. These include in-patient and outpatient treatment, medical aid, X-rays and other diagnostic tests. You need to consult with our Third Party Administrator to get authorisation in advance for any medical treatment. We also cover your costs of coming back to India in case it’s medically necessary. Please read our policy wordings for all the terms and conditions.

2.  Dental treatment

We compensate your expenses in treating any tooth or teeth during your trip abroad. This is applicable only for your natural teeth.

3.  Compassionate visit

Suppose you are hospitalised for more than 7 days and your medical condition does not permit you to travel back to your home country. Moreover, no adult family member is present with you abroad. In such a scenario, we will pay for a round trip economy class air ticket, or first class railway ticket, to allow an immediate family member, to be at your bedside at the hospital.

4.   Treatment for mental and nervous disorders*

We cover treatment of mental disorders, including alcoholism and drug dependency, subject to a maximum limit of US$ 1,000. This is limited to inpatient hospitalisation (24 hours or more), provided by a hospital / nursing home.

5.   Pregnancy-related hospitalisation*

We take care of in-patient medical expenses related to pregnancy, subject to a maximum limit of US$ 500, after a waiting period of 10 months.

6.  Sports injuries*

As per of the medical cover, we also take care of medical expenses for inter-collegiate sports injuries. These expenses will be treated as any other medical expenses for an accident, and will be subject to the terms of conditions mentioned in the policy.

7.  Cancer screening*

If a physician recommends cancer screening and mammographic examinations, we pay out the expenses for the same, subject to a maximum limit of US$ 2,000. Any tests you undergo as a part of preventive health check-up will not be covered under this benefit.

8.  Childcare benefits*

Suppose your child is hospitalised for more than 2 days, for any ailment. In such a scenario, we provide a hospital cash benefit of US$ 100, subject to a maximum of 7 days. This is applicable provided the child is above 90 days of age.

Stay-related coverage

1.  personal liability.

Suppose you are involved in an incident which leads to the death, injury or damage to someone’s health/property and you are legally liable for the same. In that case, we compensate you for the liability expenses up to the sum insured in your policy.

2.  Personal accident

We provide coverage to the insured or nominee (as applicable) in case of death or permanent disablement due to an accident abroad. The compensation depends on the nature of the claim; for e.g. 20% of sum insured is given in case of a lost thumb, whereas 70% is given for an arm lost from the shoulder joint.

3.  Bail bond

In case of an arrest or detainment by the police/judicial authorities abroad, we cover the bail amount. We provide this amount to the appropriate authority/court, only in case of a bailable offence. The coverage under this benefit will be up to the amount mentioned in the selected plan.

4.  Study interruption

If your study abroad is interrupted because you are hospitalised, or because your sponsor or an immediate family member passed away. In that case you need to make a written request to the institution, asking for a tuition fee refund. We reimburse the remaining fees (which are not refunded by the institute), up to your policy sum insured.

5.  Sponsor protection

If the sponsor is injured and loses his life, we reimburse the insured student his/her tuition fee for the remaining period of study. The fees covered under this benefit will be up to the maximum limited mentioned in the policy.

Travel-related coverage

1.  total loss of checked in baggage.

If your airline loses your checked-in baggage, we compensate you with its market value under this benefit. In case of a single checked-in bag, we pay out your entire sum insured. In case of more than one checked-in bag, we pay out 50% of the applicable sum insured.

2.  Loss of passport

We compensate you in case you lose your passport during your trip abroad. Under this benefit, we will reimburse you for the expenses you need to obtain a duplicate or fresh passport.

Trip taken for the sole purpose of getting medical treatment abroad

Pre-existing medical conditions; orthopaedic, degenerative or oncological diseases; cancer treatment; mental or psychiatric disorders

Cosmetic or plastic surgery (except as a result of an accident)

Loss of passport due to delay or confiscation or detention by the customs, police or public authorities.

Loss of valuables and money in the checked-in baggage; complete/partial damage of the checked-in baggage; loss of only certain items in the checked-in baggage

Liability claims that arise due to your contractual liability, professional activities, use of firearms, unlawful acts, or use of any alcohol/ drugs.

Documents: Globetrotter – overseas individual student travel insurance Policy Wordings

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Get answers to common queries about Globetrotter – Overseas Individual Student Travel Insurance

Why do i need travel insurance.

Foreign universities around the world make it mandatory for all students to be insured with a plan that fulfils the university guidelines. Students ensured with such a policy do not have to worry about medical emergencies and other untimely situations. It covers a variety of medical and non-medical risks to ensure an easy transition for the student travelling abroad. For e.g. checked in baggage loss is not uncommon during an overseas travel. This insurance plan not only covers loss of baggage but also covers loss of passport.

I am planning to pursue higher education abroad. Do I need to purchase student travel insurance?

Some universities make it mandatory for students to have a travel/ health insurance policy . You can check with the university you’re applying to. However, even if such a policy is not compulsory, we recommend you purchase one. It acts as a safety net you can fall back on if something goes wrong during your course.

I wish to buy student travel insurance in India, online. What paperwork would be required?

You can apply for our Globetrotter - Overseas Individual Student Travel Insurance policy online, fill out the proposal form and make the payment to complete your purchase. There is no additional paperwork or documentation required.

How will overseas student travel insurance benefit me?

Overseas student travel insurance has a wide range of benefits. It helps cover unexpected medical expenses, personal liabilities, study interruption and much more. In the absence of such a policy, you need to take care of all these expenses out of your own pocket, which can be tough when you’re studying overseas.

Is it mandatory to buy student travel insurance?

In some scenarios, yes. Certain universities overseas make it mandatory for students to have a travel/health insurance policy. Buying such a policy in India helps you save on premium and also gives you peace of mind during your education abroad.

Will my university abroad recognize/accept my international travel insurance?

You need to check with the respective university authorities before applying for any student travel policy. If the coverage matches the requirements specified by the university, then you can proceed with policy purchase.

• Policy number
• Policy start and end date
• Policy type (Comprehensive/OD only/TP only)
• Engine & chassis number

What is an endorsement?

An endorsement is written evidence of an agreed change in the policy. It is a document that incorporates changes in the policy terms.

Do I need a valid PUC to drive in India?

Yes, you need to hold a valid and effective PUC, and/or fitness certificate, to drive your vehicle and stay compliant with the law.

Do I need to have a valid insurance policy to get my new vehicle registered?

Yes, you need to have an active and valid insurance policy while registering your new vehicle. Even a valid third party (TP) policy will work for registering your vehicle at the RTO.

Will the policy cover me for the hospitalisation expenses if I fall sick when studying overseas?

Yes in case you fall ill while studying abroad, we cover your medical expenses under Overseas Student Travel Insurance. These include in-patient and outpatient treatment, medical aid, X-rays and other diagnostic tests.

• Any permanent injury/death to a person caused by your insured vehicle
• Any damage caused to the property of some other individual, by your insured vehicle

Does the Globetrotter – Overseas Individual Student Travel Insurance policy cover dental treatment expenses?

Yes, we compensate your expenses in treating any tooth or teeth during your trip abroad. This is applicable only for your natural teeth.

If I get injured or suffer a loss while travelling in a ship or metro abroad, will my Overseas Student Travel Insurance policy cover me?

Yes, accidental injuries are covered while traveling in local modes of transport abroad, as per policy terms and conditions.

Will I be covered if my final examinations are delayed and rescheduled after the expiry of the policy?

You will need to extend the Globetrotter – Overseas Individual Student Travel Insurance (before the expiry of the policy) to avail the coverage.

If I lose my newly issued passport after returning back to India, will my student insurance policy cover the expenses involved?

Your policy covers the expenses involved in obtaining duplicate or fresh passport when you’re abroad. It does not cover the expenses if you lose the passport in India.

What is covered under ZD?

The following costs are covered under ZD: Repair and replacement costs of fiber part, rubber, batteries, air bags, nylon and plastic parts, denting, painting, and fibre glass.

Do we cover engine in ZD?

Yes, we do. However, this benefit is applicable in case of accidental damage to the engine only. In order to cover consequential losses to the engine, you can opt for the Engine Protect Plus add-on.

What is Engine Protect Plus?

It is an add-on, available by paying additional premium. It pays for repair or replacement of an engine, damaged due to water ingression/leakage of lubricating oil.

What is Key Protect cover?

This add-on cover secures your car keys and locks against theft or damage. It pays for repair or replacement of lost or damaged keys and locks, including locksmith charges. You can opt for this cover in your policy by paying a nominal additional premium.

What is Garage Cash cover?

It is an add-on, available by paying additional premium. If your car is under repair in an authorised garage after an accident, we pay a fixed daily allowance. You can use it for alternative transport. Please refer to the policy wordings for terms and conditions.

Do you cover rat bites in the policy?

Yes, we do cover as per terms and conditions.

Do you cover damage due to a hit by a coconut or cricket bat?

Yes, we do cover these damages.

Will I get a refund if my university does not accept the Globetrotter – Overseas Individual Student Travel Insurance?

You would be given a period of 15 days (free look period), starting from the day you receive the policy, to review it. If you find out that your university is not accepting this policy, you can return it quoting the reasons for cancelation. We will refund your premium, after deducting any expenses we incurred for medical examination and stamp duty charges. If you cancel the policy 30 days after the policy period start date, you’ll receive a refund on pro-rata basis.

What are the different modes of payment on icicilombard.com?

• Credit Card – Make secure premium payment with your VISA, Master, AMEX, RuPay or Diners Club card.
• Net banking - Transfer the premium amount online through ICICI Bank or any of the other 50+ banks.
• Debit Card – Just enter your bank’s debit card details to pay your insurance premium directly.
• UPI and e-wallets - Pay through UPI apps such as Google Pay, BHIM UPI & PhonePe, or an online wallet.
• EMI - Use the credit/debit card EMI facility to pay your premium in instalments.

Is there any discount on premium if I install an anti-theft alarm and locking system?

Yes, you can avail a 2.5% discount on Own Damage (OD) premium, subject to a maximum of ₹500. This is applicable if your vehicle is fitted with an anti-theft device approved by the Automobile Research Association of India (ARAI), Pune as per GR 28 of IMT.

When I meet with an accident in a foreign land, who should I contact?

If you meet with an accident and need treatment, you can get assistance via the below contact numbers:

USA & Canada toll-free number +18448711200

Rest of the world (call-back facility) + 91 124 4498778

In case of an accident or sudden illness where it is not possible to contact us before consulting a physician or going to the hospital, contact us as soon as possible. In either case, when being admitted as a patient, you need to show the concerned physician or personnel the policy copy if requested.

How do I register my claim?

Contact our toll-free helpline 1800 2666 or use IL Take Care app to register your claim and get a claim number/ reference number. You can also directly register your request online*, with our Lodge A Motor Claim service. *Please note that as of now, we can process only accidental damage claims through the 'Lodge A Motor Claim' interface.

How many times can we claim under car insurance in a year?

You can make any number of claims in the year.

What is a cashless claim and a non-cashless/reimbursement claim?

Cashless claim: Under the cashless claim facility, we pay our share of the vehicle repair charges directly to the garage, provided the vehicle is repaired in our network garage. Non-cashless/Reimbursement: If the vehicle is repaired in a garage outside our network's purview, you will have to pay the repair charges to the garage. You can get your claim amount reimbursed by submitting the original bills and payment receipts to our office.

What is the meaning of deductible?

Deductible refers to the minimum deduction stipulated under motor insurance regulations to be deducted for each claim. This amount is deducted from the claim amount.

How many times can I claim for Roadside Assistance service during the policy period?

You can avail this service for a maximum of four times. You would be able to claim only for the services opted by you at the time of policy issuance.

Will my NCB be impacted if I claim for Loss of Personal Belongings (LOPB) & Key Protect?

No, NCB will not be impacted, in case you have only raised LOPB or Key Protect claims in the year.

What is the maximum number of days for which I can take the policy?

You can take the Globetrotter – Overseas Individual Student Travel Insurance policy for a maximum of 730 days.

• Third party car insurance - This policy covers legal liabilities arising out of an accident. If your car causes injuries to a third party or damages surrounding property, then this policy will cover resulting legal expenses.
• Stand-alone own-damage car insurance - This policy covers your car against accidental damages, theft and natural/manmade disasters. To buy this insurance, you should have an active third party insurance policy of the vehicle.
• Private car package policy This is a comprehensive car insurance policy that covers: - Your own vehicle’s damages/theft - Third party legal liability expenses
• Bundled policy - This type of insurance is available in case of a new car. It includes a 3 year third party cover and one year own damage cover, bundled together in a single plan. You can opt to renew your own damage insurance on a yearly basis after the first year.

If I have not travelled during the policy period, would I get any reimbursement?

You can cancel the overseas student travel insurance policy by informing us, and we will refund the premium on pro rata basis.

Which countries are restricted territories and not covered by the Globetrotter – Overseas Individual Student Travel Insurance?

This policy does not include the following countries:

China, Antarctica, Belarus, Cuba, Democratic Republic of the Congo, Iran, Iraq, Ivory Coast, Liberia, Myanmar, North Korea, Sudan, Syria and Zimbabwe.

Is there any grace period applicable for renewal?

If you need to renew the Globetrotter – Overseas Individual Student Travel Insurance and couldn’t do so before the expiry date, you get a grace period of 30 days. You can pay the premium before 30 days from the date of expiry and renew your policy.

How can I cancel my Globetrotter – Overseas Individual Student Travel Insurance policy?

You may cancel this policy by giving us 15 days written notice. In such a case we refund your premium on short term basis for the unexpired policy period. Refund is applicable as long as we didn’t pay out any claim under the policy.

• You need to fill 29/30 form from RTO and get the acknowledgement slip to get the new policy on your name.
• You need to submit this to the insurance company along with fresh proposal form along with vehicle inspection.

I am an existing IL customer. Can I renew my policy online?

When should i renew car insurance.

Car insurance is available in annual and long-term (3 years) options. Irrespective of the policy term, you need to renew car insurance before it expires, so that there is no break in coverage. In case of a gap between expiry and renewal, you may lose out on claims and your accumulated NCB.

What do I do with my car insurance policy, if I sell my car?

You can transfer your car insurance to the new owner.

How can I transfer car insurance to the buyer of my car?

Under Section 157 (2) of the Motor Vehicles Act, the new car owners will have to apply to us within 14 days of the transfer. We shall make the necessary changes and get the policy transferred in their name.

Is my No Claim Bonus (NCB) transferable?

Yes, if you are our customer, or are switching to ICICI Lombard from any other insurance company, and have accrued some NCB from your previous insurer. You can get the same transferred if you renew car insurance within 90 days after expiry (subject to no claim). The same applies if you are switching from ICICI Lombard to other insurance company.

I have bought a new car and want to transfer my old car's NCB (from another insurer) on to the new policy (ICICI Lombard). What will be the process?

• Get NCB reserving letter of your old car from the previous insurance company.
• After this, you can book your new car's fresh policy, with NCB benefit, through ICICI Lombard.

Disclaimers:

• Globetrotter – Overseas Individual Student Travel Insurance

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Money blog: Loud budgeting - the taboo-busting money hack you can do without giving up daily coffee

Created accidentally by a comedian, "loud budgeting" is breaking down the taboo of speaking about money. Read this and the rest of our Weekend Money features, and leave a comment, and we'll be back with rolling personal finance and consumer news on Monday.

Saturday 11 May 2024 20:15, UK

Weekend Money

• 'Loud budgeting': The money-saving trend that has nothing to do with giving up your daily coffee
• What is most in-demand period property?
• £12m tea advert, downsizing, £320 tasting menus and job interview mistakes: What readers have said this week
• Free childcare applications about to open for new age band
• Where has huge week for UK economy left us?

Best of the week

• How to avoid a holiday data roaming charge (while still using the internet)
• Mortgage rates up again this week - here are the best deals on the market
• My daughter discovered undeclared £600 management fee after buying her flat - can we complain?
• Best of the Money blog - an archive

Ask a question or make a comment

By Jess Sharp , Money team 

Money saving trends are constantly popping up on social media - but one in particular has been gaining huge amounts of attention.

Created accidentally by a comedian, loud budgeting is breaking down the taboo of speaking about money.

The idea is based on being firmer/more vocal about your financial boundaries in social situations and setting out what you are happy to spend your money on, instead of "Keeping up with the Joneses". 

On TikTok alone, videos published under the hashtag #loudbudgeting have garnered more than 30 million views - and that figure is continuing to climb. 

We spoke to Lukas Battle - the 26-year-old who unintentionally created the trend as part of a comedy sketch. 

Based in New York, he came up with the term in a skit about the "quiet luxury" hype, which had spread online in 2023 inspired by shows like Succession. 

The term was used for humble bragging about your wealth with expensive items that were subtle in their design - for example, Gwyneth Paltrow's  £3,900 moss green wool coat from The Row, which she wore during her ski resort trial...

"I was never a big fan of the quiet luxury trend, so I just kind of switched the words and wrote 'loud budgeting is in'. I'm tired of spending money and I don't want to pretend to be rich," Lukas said. 

"That's how it started and then the TikTok comments were just obsessed with that original idea." 

This was the first time he mentioned it...

Lukas explained that it wasn't about "being poor" but about not being afraid of sharing your financial limits and "what's profitable for you personally". 

"It's not 'skip a coffee a day and you'll become a millionaire'."

While talking money has been seen as rude or taboo, he said it's something his generation is more comfortable doing. 

"I've seen more debate around the topic and I think people are really intrigued and attracted by the idea," he said. 

"It's just focusing your spending and time on things you enjoy and cutting out the things you might feel pressured to spend your money on."  

He has incorporated loud budgeting into his own life, telling his friends "it's free to go outside" and opting for cheaper dinner alternatives.

"Having the terminology and knowing it's a trend helps people understand it and there's no awkward conversation around it," he said. 

The trend has been a big hit with so-called American "finfluencers", or "financial influencers", but people in the UK have started practising it as well. 

Mia Westrap has taken up loud budgeting by embarking on a no-buy year and sharing her finances with her 11.3k TikTok followers. 

Earning roughly £2,100 a month, she spends around £1,200 on essentials, like rent, petrol and car insurance, but limits what else she can purchase. 

Clothes, fizzy drinks, beauty treatments, makeup, dinners out and train tickets are just some things on her "red list". 

The 26-year-old PHD student first came across the idea back in 2017, but decided to take up the challenge this year after realising she was living "pay check to pay check". 

She said her "biggest fear" in the beginning was that her friends wouldn't understand what she was doing, but she found loud budgeting helped. 

"I'm still trying my best to just go along with what everyone wants to do but I just won't spend money while we do it and my friends don't mind that, we don't make a big deal out of it," she said. 

So far, she has been able to save £1,700, and she said talking openly about her money has been "really helpful". 

"There's no way I could have got this far if I wasn't baring my soul to the internet about the money I have spent. It has been a really motivating factor."

Financial expert John Webb said loud budgeting has the ability to help many "feel empowered" and create a "more realistic" relationship with money.

"This is helping to normalise having open and honest conversations about finances," the consumer affair manager at Experien said. 

"It can also reduce the anxiety some might have by keeping their financial worries to themselves." 

However, he warned it's important to be cautious and to take the reality of life into consideration. 

"It could cause troubles within friendship groups if they're not on the same page as you or have different financial goals," he said.

"This challenge isn't meant to stop you from having fun, but it is designed to help people become more conscious and intentional when it comes to money, and reduce the stigma around talking about it." 

Rightmove's keyword tool shows Victorian-era houses are the most commonly searched period properties, with people drawn to their ornate designs and features.

Georgian and Edwardian-style are second and third respectively, followed by Tudor properties. Regency ranked in fifth place.

Rightmove property expert Tim Bannister said: "Home hunters continue to be captivated by the character and charm of properties that we see in period dramas.

"Victorian homes remain particularly popular, characterised by their historic charm, solid construction, and spacious interiors. You'll often find Victorian houses in some of the most desirable locations which include convenient access to schools and transport links."

Throughout the week Money blog readers have shared their thoughts on the stories we've been covering, with the most correspondence coming in on...

• A hotly contested debate on the best brand of tea
• Downsizing homes
• The cost of Michelin-starred food

Job interview mistakes

On Wednesday we reported on a new £12m ad from PG Tips in response to it falling behind rivals such as Twinings, Yorkshire Tea and Tetley....

We had lots of comments like this...

How on earth was the PG Tips advert so expensive? I prefer Tetley tea, PG Tips is never strong enough flavour for me. Shellyleppard

The reason for the sales drop with PG Tips could be because they increased the price and reduced the quantity of bags from 240 to 180 - it's obvious. Royston

And then this question which we've tried to answer below...

Why have PG Tips changed from Pyramid shape tea bags, to a square? Sam

Last year PG Tips said it was changing to a square bag that left more room for leaves to infuse, as the bags wouldn't fold over themselves.

We reported on data showing how downsizing could save you money for retirement - more than £400,000, in some regions, by swapping four beds for two.

Some of our readers shared their experiences...

We are downsizing and moving South so it's costing us £100k extra for a smaller place, all money from retirement fund. AlanNorth

Interesting read about downsizing for retirement. We recently did this to have the means to retire early at 52. However, we bought a house in the south of France for the price of a flat in our town in West Sussex. Now living the dream! OliSarah

How much should we pay for food?

Executive chef at London's two-Michelin-starred Ikoyi, Jeremy Chan, raised eyebrows when he suggested to the Money blog that Britons don't pay enough for restaurant food.

Ikoyi, the 35th best restaurant in the world, charges £320 for its tasting menu. 

"I don't think people pay enough money for food, I think we charge too little, [but] we want to always be accessible to as many people as possible, we're always trying our best to do that," he said, in a piece about his restaurant's tie up with Uber Eats... 

We had this in... 

Are they serious? That is two weeks' worth of food shopping for me, if the rich can afford this "tasting menu" then they need to be taxed even more by the government, it's just crazy! Steve T

If the rate of pay is proportionate to the vastly overpriced costs of the double Michelin star menu, I would gladly peel quail eggs for four-hour stints over continuing to be abused as a UK supply teacher. AndrewWard

Does this two-star Michelin star chef live in the real world? Who gives a toss if he stands and peels his quails eggs for four hours, and he can get the best turbot from the fishmonger fresh on a daily basis? It doesn't justify the outrageous price he is charging for his tasting menu. Topaztraveller

Chefs do make me laugh, a steak is just a steak, they don't make the meat! They just cook it like the rest of us, but we eat out because we can't be bothered cooking! StevieGrah

Finally, many of you reacted to this feature on common mistakes in job interviews...

Those 10 biggest mistakes people make in interviews is the dumbest thing I've ever read. They expect all that and they'll be offering a £25k a year job. Why wouldn't I want to know about benefits and basic sick pay? And also a limp handshake? How's that relevant to how you work? Jre90

Others brought their own tips...

Whenever I go for an interview I stick to three points: 1. Be yourself 2. Own the interview 3. Wear the clothes that match the job you are applying Kevin James Blakey

From Sunday, eligible working parents of children from nine-months-old in England will be able to register for access to up to 15 free hours of government-funded childcare per week.

This will then be granted from September. 

Check if you're eligible  here  - or read on for our explainer on free childcare across the UK.

Three and four year olds

In England, all parents of children aged three and four in England can claim 15 hours of free childcare per week, for 1,140 hours (38 weeks) a year, at an approved provider.

This is a universal offer open to all.

It can be extended to 30 hours where both parents (or the sole parent) are in work, earn the weekly minimum equivalent of 16 hours at the national minimum or living wage, and have an income of less than £100,000 per year.

Two year olds

Previously, only parents in receipt of certain benefits were eligible for 15 hours of free childcare.

But, as of last month, this was extended to working parents.

This is not a universal offer, however.

A working parent must earn more than £8,670 but less than £100,000 per year. For couples, the rule applies to both parents.

Nine months old

In September, this same 15-hour offer will be extended to working parents of children aged from nine months. From 12 May, those whose children will be at least nine months old on 31 August can apply to received the 15 hours of care from September.

From September 2025

The final change to the childcare offer in England will be rolled out in September 2025, when eligible working parents of all children under the age of five will be able to claim 30 hours of free childcare a week.

In some areas of Wales, the Flying Start early years programme offers 12.5 hours of free childcare for 39 weeks, for eligible children aged two to three. The scheme is based on your postcode area, though it is currently being expanded.

All three and four-year-olds are entitled to free early education of 10 hours per week in approved settings during term time under the Welsh government's childcare offer.

Some children of this age are entitled to up to 30 hours per week of free early education and childcare over 48 weeks of the year. The hours can be split - but at least 10 need to be used on early education.

To qualify for this, each parent must earn less than £100,000 per year, be employed and earn at least the equivalent of working 16 hours a week at the national minimum wage, or be enrolled on an undergraduate, postgraduate or further education course that is at least 10 weeks in length.

All three and four-year-olds living in Scotland are entitled to at least 1,140 hours per year of free childcare, with no work or earnings requirements for parents. 

This is usually taken as 30 hours per week over term time (38 weeks), though each provider will have their own approach.

Some households can claim free childcare for two-year-olds. To be eligible you have to be claiming certain benefits such as Income Support, Jobseeker's Allowance or Universal Credit, or have a child that is in the care of their local council or living with you under a guardianship order or kinship care order.

Northern Ireland

There is no scheme for free childcare in Northern Ireland. Some other limited support is available.

Working parents can access support from UK-wide schemes such as tax credits, Universal Credit, childcare vouchers and tax-free childcare.

Aside from this, all parents of children aged three or four can apply for at least 12.5 hours a week of funded pre-school education during term time. But over 90% of three-year-olds have a funded pre-school place - and of course this is different to childcare.

What other help could I be eligible for?

Tax-free childcare  - Working parents in the UK can claim up to £500 every three months (up to £2,000 a year) for each of their children to help with childcare costs. 

If the child is disabled, the amount goes up to £1,000 every three months (up to £4,000 a year).

To claim the benefit, parents will need to open a tax-free childcare account online. For every 80p paid into the account, the government will top it up by 20p.

The scheme is available until the September after the child turns 11.

Universal credit  - Working families on universal credit can claim back up to 85% of their monthly childcare costs, as long as the care is paid for upfront. The most you can claim per month is £951 for one child or £1,630 for two or more children.

Tax credits -  People claiming working tax credit can get up to 70% of what they pay for childcare if their costs are no more than £175 per week for one child or £300 per work for multiple children.

Two big economic moments dominated the news agenda in Money this week - interest rates and GDP.

As expected, the Bank of England held the base rate at 5.25% on Wednesday - but a shift in language was instructive about what may happen next.

Bank governor Andrew Bailey opened the door to a summer cut to 5%, telling reporters that an easing of rates at the next Monetary Policy Committee meeting on 20 June was neither ruled out nor a fait accompli.

More surprisingly, he suggested that rate cuts, when they start, could go deeper "than currently priced into market rates".

He refused to be drawn on what that path might look like - but markets had thought rates could bottom out at 4.5% or 4.75% this year, and potentially 3.5% or 4% next.

"To make sure that inflation stays around the 2% target - that inflation will neither be too high nor too low - it's likely that we will need to cut Bank rate over the coming quarters and make monetary policy somewhat less restrictive over the forecast period," Mr Bailey said.

You can read economics editor Ed Conway's analysis of the Bank's decision here ...

On Friday we discovered the UK is no longer in recession.

Gross domestic product (GDP) grew by 0.6% between January and March, the Office for National Statistics said.

This followed two consecutive quarters of the economy shrinking.

The data was more positive than anticipated.

"Britain is not just out of recession," wrote Conway. "It is out of recession with a bang."

The UK has seen its fastest growth since the tailend of the pandemic - and Conway picked out three other reasons for optimism.

1/ An economic growth rate of 0.6% is near enough to what economists used to call "trend growth". It's the kind of number that signifies the economy growing at more or less "normal" rates.

2/ 0.6% means the UK is, alongside Canada, the fastest-growing economy in the G7 (we've yet to hear from Japan, but economists expect its economy to contract in the first quarter).

3/ Third, it's not just gross domestic product that's up. So too is gross domestic product per head - the number you get when you divide our national income by every person in the country. After seven years without any growth, GDP per head rose by 0.4% in the first quarter.

GDP per head is a more accurate yardstick for the "feelgood factor", said Conway - perhaps meaning people will finally start to feel better off.

For more on where Friday's figures leaves us, listen to an Ian King Business Podcast special...

The Money blog is your place for consumer news, economic analysis and everything you need to know about the cost of living - bookmark news.sky.com/money .

It runs with live updates every weekday - while on Saturdays we scale back and offer you a selection of weekend reads.

Check them out this morning and we'll be back on Monday with rolling news and features.

The Money team is Emily Mee, Bhvishya Patel, Jess Sharp, Katie Williams, Brad Young and Ollie Cooper, with sub-editing by Isobel Souster. The blog is edited by Jimmy Rice.

If you've missed any of the features we've been running in Money this year, or want to check back on something you've previously seen in the blog, this archive of our most popular articles may help...

Loaves of bread have been recalled from shelves in Japan after they were found to contain the remains of a rat.

Production of the bread in Tokyo has been halted after parts of a "small animal" were found by at least two people.

Pasco Shikishima Corp, which produces the bread, said 104,000 packages have been recalled as it apologised and promised compensation.

A company representative told Sky News's US partner network, NBC News, that a "small black rat" was found in the bread. No customers were reported to have fallen ill as a result of ingesting the contaminated bread.

"We deeply apologise for the serious inconvenience and trouble this has caused to our customers, suppliers, and other concerned parties," the spokesman said.

Pasco added in a separate statement that "we will do our utmost to strengthen our quality controls so that this will never happen again. We ask for your understanding and your co-operation."

Japanese media reports said at least two people who bought the bread in the Gunma prefecture, north-west of Tokyo, complained to the company about finding a rodent in the bread.

Record levels of shoplifting appear to be declining as fewer shopkeepers reported thefts last year, new figures show. 

A survey by the Office for National Statistics shows 26% of retailers experienced customer theft in 2023, down from a record high of 28% in 2022.

This comes despite a number of reports suggesting shoplifting is becoming more frequent. 

A  separate ONS finding , which used police crime data, showed reports of shoplifting were at their highest level in 20 years in 2023, with law enforcements logging 430,000 instances of the crime.

Let's get you up to speed on the biggest business news of the past 24 hours. 

A privately owned used-car platform is circling Cazoo Group, its stricken US-listed rival, which is on the brink of administration.

Sky News has learnt that Motors.co.uk is a leading contender to acquire Cazoo's marketplace operation, which would include its brand and intellectual property assets.

The process to auction the used-car platform's constituent parts comes after it spent tens of millions of pounds on sponsorship deals in football, snooker and darts in a rapid attempt to gain market share.

The owner of British Airways has reported a sharp rise in profits amid soaring demand for trips and a fall in the cost of fuel.

International Airlines Group said its operating profit for the first three months of the year was €68m (£58.5m) - above expectations and up from €9m (£7.7m) during the same period in 2023.

The company, which also owns Aer Lingus, Iberia and Vueling, said earnings had soared thanks to strong demand, particularly over the Easter holidays.

The prospect of a strike across Tata Steel's UK operations has gained further traction after a key union secured support for industrial action.

Community, which has more than 3,000 members, said 85% voted in favour of fighting the India-owned company's plans for up to 2,800 job losses, the majority of them at the country's biggest steelworks in Port Talbot, South Wales.

Tata confirmed last month it was to press ahead with the closure of the blast furnaces at the plant, replacing them with electric arc furnaces to reduce emissions and costs.

In doing so, the company rejected an alternative plan put forward by the Community, GMB and Unite unions that, they said, would raise productivity and protect jobs across the supply chain.

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