Guide to Student Travel Insurance for Study Abroad Aspirants


Subhashri Roy
Updated on Jun 26, 2023 07:26 PM IST

Set out on your study abroad journey with confidence. Our student travel insurance guide provides you with the knowledge you need to protect yourself from unexpected disasters, providing a worry-free experience while exploring new horizons and achieving your academic aspirations. 

Guide to Student Travel Insurance for Study Abroad Aspirants

Guide to Student Travel Insurance for Study Abroad Aspirants: Studying abroad is an exciting and transforming experience that allows you to immerse yourself in a new culture, acquire international exposure, and achieve academic goals. However, in the middle of the excitement, it is important to prioritise the practical aspects of such an endeavour, such as student travel insurance.

This thorough student travel insurance guide is intended to assist study abroad applicants with important information and insights into obtaining suitable coverage. Having trustworthy insurance gives peace of mind and protection against unforeseen occurrences whether you are travelling to a crowded metropolis, secluded countryside, or tranquil campus.

In this article, we will look at the importance of student travel insurance, as well as its benefits and several coverage alternatives. We will discuss the most important elements to consider while choosing insurance, such as medical coverage, emergency help, trip cancellation/interruption, and luggage protection. We will also discuss the distinctions between domestic and foreign insurance, as well as the special needs and advice for study abroad students.

Hence, allow this guide to student travel insurance for study abroad aspirants to serve as your compass as you navigate the world of student travel insurance and start on an extraordinary journey of personal development and academic improvement.

What is Travel Insurance for Overseas Students?

Student travel insurance policy is designed for prospective international students in India in order to provide them with financial protection against unforeseen circumstances that a student may be prone to. A student travel insurance makes sure that international travel expenses do not burn a hole in your pocket and disrupt your dream to pursue higher education abroad.

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What are the Benefits of Student Travel Insurance?

Here are the reasons why you should consider applying for student travel insurance:

  • It acts as a financial cushion in case travel-related issues crop up such as health hazards.

  • If you fall ill or meet with an accident, a comprehensive travel insurance plan will make sure that your medical expenses are covered.

  • You are free to pick a plan according to your requirements and budget.

  • It covers a wide range of facilities including bail bonds, sponsor protection, two-way flight tickets of family members travelling to support while you are facing medical issues, cost of medical treatment, medical evaluation, loss of baggage, personal liability, and more. Find the detailed list below.

  • In some countries, possessing valid student travel insurance is mandatory.

  • Healthcare costs in top study destinations such as the US, UK, and Europe, among others, will be way higher than in India.

  • Travel insurance will also help protect your personal savings, which you would have to otherwise spend in case of an emergency.

Overall, it makes sure that any sudden medical emergency does not lead to any financial catastrophe.

How Much Does Medical Treatment Cost Across the World?

Here is a summary of how much medical treatments cost in India and how much they cost in the US, Malaysia, Africa, Korea and Thailand:

Medical Treatment







Dental Implant














Heart Bypass







Hip Replacement







Knee Replacement





Not Available


Spinal Fusion





Not Available


IVF Treatments







Gastric Bypass






Not Available

Heart Valve Replacement







Source: Economic Times/

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What Does Student Travel Insurance Cover?

Travel insurance for a student travelling abroad for higher studies usually covers the following:

  • Medical emergency-related expenses in a foreign country may include a sudden injury, illness or death.

  • Checked baggage loss or delay by the insured students' carrier.

  • In case of death or permanent disablement, a student's travel insurance will reimburse the tuition fee incurred for the remaining period of studies.

  • The transport expenses to transfer the insureds remain back to the home country, in case of his/her untimely demise.

  • Dental treatment, if required.

  • Compensation in case of a personal accident whilst overseas which causes a permanent disability or death.

  • Expenses related to loss of passport and replacement of the same.

  • Return ticket fare of a family member visiting the insured who has been hospitalized for 7 days or more will be reimbursed.

  • In case the sponsor of the insured student dies due to an injury, his/her tuition fees will be reimbursed.

  • The bail amount for someone who has been arrested or detained in a foreign country will be taken care of.

Note: Every student travel insurance plan will vary from one another. One must make sure that they are well informed about the same before they buy one.

What Student Travel Insurance Policy May Not Cover

A typical student travel insurance plan in India may exclude the following from its coverage list:

  • Loss of baggage sent separately or in advance and any baggage delay while in India will not be compensated for.

  • Delay of flight due to a hazard made public before buying the insurance.

  • Claims arising from high-risk adventure activities such as scuba diving, rock climbing, paragliding, etc.

  • Death or illness of a pet.

  • Losses arise from being drunk or being under the influence of drugs.

  • Missing flights due to local agitations, war, nuclear threat or protests.

  • Expenses incurred due to suicide, mental disorder, HIV/AIDS, or any venereal disease.

  • Expenses incurred when travelling without the consent of the insured students' physician, travelling to get prescribed medical treatment, or suffering from a terminal disease.

  • Undeclared pre-existing illness or disease.

Finding the right universities starts with preparing your academic and co-curricular profile so that you can stand out of the crowd in front of the admission committee. Our team of experts can help you navigate the various aspects of university admission.

How to Purchase Student Travel Insurance Policy?

With everything right at the tip of our fingertips, days are gone when students would have to visit a travel insurance company to purchase travel insurance. The ideal way today is to research what all plans are available for students studying abroad and explore if they meet all of our requirements.

The student should always understand the coverage of the insurance, compare them along with their prices with at least 30 other similar travel insurance providers and eventually go for the one that seems like the right fit.

Notably, one should also have a look at at least 25,000 customer reviews and pick the one that managed to get at least 50% of its customers to post a positive review.

Things to Remember Before Buying Student Travel Insurance

Listed below are some important points that one should remember while purchasing student travel insurance:

  • University Guidelines for Student Travel Insurance: Many foreign universities have specific preset guidelines that the travel insurance should be in line with. In case the guidelines do not meet the travel insurance coverage, the university may reject the application or cancel the admission.

  • Be Sure of the Amount of Medical Coverage: One should get all the details from the company from which they buy the travel insurance and make sure that they are well aware of what all the plan will cover.

  • Find Out the Minimum Sum Insured and Premium: International students usually opt for a sum insured ranging between US$250,000 and US$ 500,000. Having said that, it should comply with the university guidelines, if any.

  • Study Destination: The insurance plan will vary based on the country the student will be studying in. This is because of the variation in the cost of medical treatment in different countries.

More than simply packing your luggage is involved in preparing for your study abroad experience. Understanding the significance of student travel insurance and making smart coverage decisions allows you to completely enjoy your overseas adventure while protecting your well-being and financial stability. Furthermore, by selecting the correct insurance, you may begin your educational path with confidence, knowing that you are fully protected against unforeseen situations. Remember that student travel insurance is an investment in your well-being and peace of mind throughout your study abroad experience, not just an expense.

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What is student travel insurance, and why is it important to study abroad?

Student travel insurance is a type of insurance policy developed specifically for students studying abroad. It includes medical coverage, emergency help, travel cancellation/interruption coverage, and baggage protection. Student travel insurance is essential for studying abroad since it gives financial stability and peace of mind by protecting students from unforeseen occurrences, accidents, and emergencies while they are abroad.

What does student travel insurance typically cover?

Medical expenses for illness or injury while abroad, emergency medical evacuation and repatriation of remains, trip cancellation or interruption due to unforeseen events, baggage loss or delay, personal liability coverage, and sometimes dental care or emergency dental treatment are all covered by student travel insurance. However, coverage varies between insurance providers and plans, so it is important to read the fine print to understand the degree of coverage given by a certain policy.

How do I choose the right student travel insurance policy for my study abroad program?

Consider coverage, limitations, deductibles, exclusions, and additional benefits when selecting the best student travel insurance policy for your study abroad programme. Examine your requirements, including medical coverage, travel cancellation/interruption, luggage protection, and emergency support. Compare several insurance companies, thoroughly study policy details, and take into account reviews or suggestions. Choose a policy that meets your needs and offers comprehensive coverage at a fair price.

What are the specific insurance requirements for study abroad students?

Specific insurance needs for international students might differ based on the destination location and the host institution's policy. Minimum coverage amounts for medical bills, emergency medical evacuation, repatriation of remains, and liability coverage are some frequent insurance needs. Furthermore, the insurance coverage should be valid for the period of the study abroad programme. To guarantee compliance with the specific insurance needs, verify with the host university and examine their instructions.

Can I use my existing health insurance for studying abroad, or do I need separate travel insurance?

It is determined by your current health insurance coverage. Some insurance may give limited coverage for medical emergencies when travelling overseas, while others may not provide any coverage at all. To understand the scope of coverage, see the terms and conditions of your insurance. In most circumstances, having separate travel insurance that covers medical emergencies, trip cancellation, luggage loss, and other travel-related risks is suggested.

What is the cost of student travel insurance, and what factors affect the premium?

The cost of student travel insurance varies depending on parameters such as trip duration, destination, policy limitations, student age, and desired level of coverage. Other factors that might influence the premium include the deductible amount, add-on choices, and the pricing structure of the insurance provider. It is recommended that you compare quotes from several insurance companies to get coverage that meets your demands and budget.

Are pre-existing medical conditions covered by student travel insurance?

Pre-existing medical condition coverage varies based on the policy and insurance provider. Some student travel insurance policies may cover pre-existing conditions, while others may have exclusions, more verification, or a higher price. It is critical to read the policy terms carefully and talk with the insurance provider to understand their particular criteria for pre-existing medical issues and any extra requirements or coverage choices that may be available.

Do I need student travel insurance if my host university provides health insurance?

While some host universities abroad may provide health insurance, it is nevertheless recommended that students obtain student travel insurance for added protection. Certain scenarios, such as travel cancellation, luggage loss, or emergency medical evacuation, may be limited, excluded, or not covered by host university insurance. Student travel insurance provides complete coverage and peace of mind throughout your study abroad experience.

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