Monday, 13 January 2014

Which Insurance Is Good For A Student Overseas Travel?

Studying abroad is considered a great opportunity and brings many benefits. To make sure you can focus on your purpose, getting student international travel insurance is a priority as it can offer you coverage against medical costs, accidents and other situations. Most students must manage on a tight budget and it is necessary to find student international travel insurance that is both affordable and reliable.

Student international travel insurance coverage is valid when you travel study or reside anywhere in the world outside your own country. Renewable health insurance is available for various durations depending on your stay. Most of these plans come with comprehensive travel insurance benefits that cover unexpected events and doctors visits, hospitalization, medications, evacuation, repatriation, maternity coverage, sports, mental health, terrorism, lost baggage, travel breaks that are out of your control, and much more. 

Take stock of your medical history

Before you go abroad, it is a good idea to review your medical history and go for a complete health check so that in case you need special care, your doctor can advise you. If you happen to have special needs, you should find out what facilities are available at the university you plan to enroll in.

Based on your current health condition and needs, you need to know exactly what your student international travel insurance covers and what it excludes. Some policies may not cover high risk sports injuries, eye care and dental care. In case you have a pre-existing condition, get details of whether you are covered since the definition of pre-existing can vary between insurance companies.

Ask your insurance provider the extent of the policys financial cover, which countries are included and whether there are stipulations related to your travel. You will also want to double check whether repatriation and evacuation, property, motor vehicle coverage, accidental death and dismemberment are covered. While these can sound depressing and unlikely, student international travel insurance has to take all these into account and cover the risk properly.

The elements of your overseas travel insurance policy 

While you are finalizing your travel insurance policy, confirm whether you have access to twenty four hour emergency services. In case you need to return home for a short time because of a temporary injury or illness, make sure your insurance cover continues when you go back overseas. Check the insurance policy's conditions about paying first and then claiming reimbursement as some companies have specific procedures for payments and claims.

You may also want to get all the information you can about the type of insurance plans acceptable to the university you are headed to.There are plenty of options available with your student international travel insuranceplans and it is important to ensure that the one you choose offers you the maximum benefits when you are in a foreign country. 

Author:  Insurance good for student overseas travel. For further details visit International Student Protection or email us at

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