Student International Travel Insurance

What does a typical student travel insurance policy should cover?
Is it possible to get cheap student travel insurance online?
Is it possible to get adventure/hazardous sports cover under student international travel insurance?

Student international travel insurance is a means of ensuring your financial safety when you travel abroad for study purposes. Study abroad has innumerable benefits, an internship abroad is still better. Cultural Shock has its effects on the students mind, sometimes beneficial other times adverse. Some study abroad programs require extensive travel as a part of the program and if any mishap happens in addition to the cultural shock the consequences could be disastrous.

A recent study on the effects of the cultural shock has found that the personality of the student undergoes a sea of change which is for the betterment of the student in terms of their confidence and personal development, enhanced academic interests and goals and better intercultural development. All of this is obtained through hardship and depressing times as well. Being safe is the best advice we give you. The government advises you the same:

Plan your itinerary
Know most of the aspects of travel, law and health of the country to which you are traveling.
Be in constant touch with folks back home and the Consular in the country you are traveling.
Be aware of travel warning/advisories
Also have respect for local laws and customs
Be careful of drug peddlers, violent demonstrations, thefts etc.
Learn the most and make the best use of the opportunity you have.

Some times it is better to avail professional services as well. Many travel insurance companies have a 24 hour advisory line. This is in addition to the medical expenses cover and personal belonging cover.

Travel Abroad

Presently there are 2 million students who travel abroad and there is an enormous increase in this number every year. Whether it is study, training and internship many US students go to many European countries and even to Asia. Many of the Asian students now study in the US, UK, Australia or other countries. Cheap student travel insurance can be obtained by looking at the variety of offers online. Some are very specific where as others are general. Whatever be it, choosing a travel insurance policy is extra protection when you travel abroad to study. Some students take a year of from studies to travel to a foreign country, for a semester or a year, either on a cultural exchange basis by their respective universities or on their own accord. The student gap insurance policy is best suited for their needs. Depending on the mode of travel you could avail different plan options. There are many plans that give you options of winter sport cover in case you are going in winter to these places so as to enjoy the other sights or the country. Some insurance companies provide adventure/hazardous sports cover that covers eventualities that could occur in case you participate in any of these. If you plan to travel extensively over the country and use common transport facilities and even hitch hike to reach destinations then we advise you to look for backpackers insurance.

Student Health Insurance

This is mandatory in the US (F1, H1, J1 visas) as well as for travelers to the European Union (EHIC/E-111 card). This insurance provides essential medical cover. The compensation may be low and it is better to obtain a travel insurance policy. The cover you need to look at is Medical evacuation and expense in case of out/inpatient treatment. Personal injuries cover in case of permanent disability. Many plans offered by insurance companies are renewable yearly in case you are not sure of the period of stay or else you have the option of choosing cover from 5days up to 2 years. Sports and maternity cover is provided as additional cover in some plans.

Continue to: Comprehensive Travel Insurance

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