If you are a student, then you know how important it is to have travel insurance. The cost of an overseas education can quickly mount up and before you know it, you have barely paid for all your classes. This is why you need to be prepared ahead of time. While the cost of student travel insurance is high, there are several student travel insurance options out there that may suit your needs just fine.
Student travel insurance comes in two different types. There is a regular insurance and then there is special travel insurance for students. Of course, the type that you choose will depend on your financial situation. If you are in good health and you do not have any major medical bills then you should probably stick with regular insurance.
What is covered with the regular coverage? Well, this depends entirely on your destination and the school at which you are attending. For example, if you are going to study in South America, you need to get coverage that covers you throughout the continent. Coverage includes airfare, travel expenses, and even insurance for a hotel stay. Most student policies have such wide coverage because they understand how difficult it can be to plan a semester away from home.
However, if you have a more specific destination in mind, you need to look for student coverage that specifically covers that destination. For example, if you are headed off to the Caribbean, you need coverage that includes airfare to the island of St. Lucia and back. You also need to get insurance for a rental car, meals, and other expenses that are related to traveling. This is especially important if your parents are footing the bill for your trip.
Special coverage for students is a bit trickier. It is generally offered through a college or university-sponsored organization. Usually, you have to apply for the coverage, and depending on your status, you may not be approved. This can be very expensive, but there are some organizations that will cover the expense out of their own funds. Others require an application fee, which can be very burdensome.
When you’re dealing with a college or university, it is imperative that you ask what kind of coverage is offered through them. They will likely have different policies, but there’s a good chance that you’ll be able to find one that meets your needs. Typically, you’ll need to get pre-existing medical conditions covered under your student policy. Just make sure you read the fine print.
You should also inquire about coverage when you are getting ready to depart for your travels. Usually, the medical needs that you are seeking will be covered under your student medical insurance. On the other hand, if you are going to be flying or shipping internationally, you’ll want to ensure you get coverage that covers both the trip itself and any medical needs you may have. This way you won’t have to worry about whether or not you’ll be taken care of once you arrive at your destination.
Student travel insurance is something that is extremely important, no matter what kind of student you are. It is very easy to get coverage in most places today, and you’ll likely find a policy that suits your needs. Once you have it, you’ll be able to focus on enjoying your time abroad rather than worrying about whether or not you’ll be able to get the care you need when you get home. Just remember to always check your coverage as each school may have different requirements for medical treatment. This way you can ensure that you get the best care possible, and you can arrive at your destination feeling refreshed and ready to face your new surroundings.
