If you are an international student you need to have student travel insurance before you depart from your country to cover the unexpected medical or travel-related expenses in your new adventure.
Sometimes student travel insurance is mandatory to apply before you apply at your university. You need to have it in other to have peace of mind during your journey abroad.
Also, you need to know that student travel insurance is different from international student health insurance.
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Why Do You Need Student Travel Insurance?
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You need student travel insurance in another not to worry about unexpected costs ruining your study experience abroad.
For instance, when you fall sick suddenly or involve in an accident, your travel insurance will cover the costs of your medical bills.
Maybe your flight is delayed and you are stuck at the airport, this will cover food and accommodation until your next flight.
If your passport, luggage or any of your items is stolen, damaged or got missing during the trip, student travel insurance will reimburse you for your loss.
Best Travel Insurance For Students Studying Abroad
Seven Corners Travel Insurance
It is excellent travel insurance that enhances your plan for safe travel as you meet up with the requirement of your school, Visa, program and host nation.
The plans are all about medical expenses for illnesses or injuries that can occur unexpectedly and also for existing diseases.
You can access the network medical provider with 24-hour multilingual travel assistance.
WorldTrips Travel Health Insurance
This travel health insurance is available for students studying abroad. They help students to secure a series of levels of coverage that include: Select, Elite, Budget, and Smart to allow you to select the plan that best meets your budget. Maybe you sustain an unexpected illness when studying this insurance will reduce your cost.
Generali Global Assistance
They are known for rendering travel assistance services which include concierge services, telemedicine and support with theft resolution.
These policies are active for 24 hours as they provide support for any concerns that happen when travelling. Also, there is a 24-hour emergency hotline for those travellers to help them with medical problems and identity theft resolution. It gives replacements for missing medicine, emergency cash transfers and searches for lost or listen items.
World Nomads
This insurance has policies which cover more than 200 different sports activities. As most travel insurance try to avoid covering adventure sports and other activities, World Nomads create it expressly for more students that love sports.
This is a standard exploration plan for skiing, surfing, motorcycling, scuba diving and other 200 activities. The insurance has the provision of $100,000 coverage for illnesses or accidents as well as 24-hour emergency assistance to help you to locate your medical facilities or local physicians.
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Travel Insurance For Students Studying Abroad What Does It Cover?
The travel insurance for students studying and travelling abroad covers their medical expenses and trip disturbance as it takes the students to travel and settle abroad.
It includes trip interruption, delay or cancellation, unexpected sickness, accidents, evacuation, missing items, emergency evacuation etc.
A typical plan (such as the one that us is given by MondialCare) includes:
- It covers your medical treatment in case of any unexpected illness or accident.
- Reimbursement of surgical, medical, pharmaceutical and hospital expenses when you need medical assistance abroad.
- Reimbursement of medical expenses in your residential country in case you need it.
- For dental emergency expenses.
- It covers bringing someone to be with you when you are hospitalized. The insurance company will pay for the travel ticket and hotel expenses for many days.
- Also, there is insurance for luggage and personal items. Reimbursement (up to a certain amount) of the loss, damage or destruction of your items that includes sports equipment, electronics and valuables.
- There is insurance for trip disruption. For instance, when you have a connecting flight and it was delayed then your travel insurance will pay for your fold and accommodation during that waiting period if it is necessary.
- Insurance for personal liability. For instance, if you have any personal injury or property damage to someone else then the insurance company will pay for the losses with a certain amount.
How Much Does This Travel Insurance Cover?
You can choose the amount of coverage you want. There are various policy maximums, which means the maximum amount of money the insurance company will pay for a claim.
Also, they are usually different amounts for diverse things like medical bills and loss of items. The certain amount the insurance company pays for the occasion is shown clearly in the online policy details.
How To Get Student Travel Insurance?
You can get student travel insurance in the following ways:
- You can get it from the insurance company in your country.
- You can easily visit their website, write down where and for how long you want to be covered, also read about the plans they offer and purchase one.
- Through online insurance, brokers will allow you to compare plans from different companies before you select one. Also, you’ll need to enter the dates on which you want to be covered and where.
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Conclusion
It is always a nice thing for an international student to be covered by the best insurance companies in case of any casualties or missing belongings happen in other to have rest in mind. Join Us Here for more.
