Deciding where to go and what to see is an exciting part of preparing your trip; whilst on the other hand, making student travel insurance plans are somewhat less thrilling.

If you are a bit strapped for cash, you could well be tempted to skip the student holiday insurance and take your chances - after all, what could possibly go wrong?

Unfortunately, you don't need to be elderly or infirm to fall ill overseas. Different climates, food and activities can all take their toll and even something as simple as an ear infection - easily caught from a swimming pool or the sea - can cost around 300 to treat if you're not insured. And of course, the risk of losing vital documents or even your baggage being stolen is impossible to completely eliminate, no matter how vigilant you are.

However, no matter whether you are planning on going to Australia, USA, Canada, Asia or even sticking closer to home and exploring Europe, it's possible to get insured without spending all of your cash. We explain how to carry out a student travel insurance comparison to get the best results.

Type of cover

Before you even start to compare student travel insurance quotes, you will need to decide what kind of cover is going to be most appropriate for your circumstances.

If you are just taking an extended holiday and don't plan on being away for more than 31 days, single trip student travel insurance will be perfect. The exact maximum number of days varies between providers so make sure you check the fine print before signing up.

Alternatively, if you think you are going to be away for longer or are going to be having a few trips, getting annual student travel insurance won't just make things less hassle, you will also save money too.

Another option to consider is backpacker travel insurance as some companies offer cover for more than 700 days, and many come with the flexibility that you need when you have no fixed plans.

Comparing quotes

You may well be keen to crack on with your student travel insurance comparison and get the cover in place, but it's worth taking a few extra minutes to check what you will actually get.

For example, if you plan on being away for several months, how will you be funding yourself during your trip? Many students on a gap year pick up casual work whilst they are overseas which is not only a great way to meet new people from all around the world, but also helps to boost the bank balance.

If this is likely, you will need to ensure that you take out travel insurance for students working abroad. Check whether there are any exclusions which apply; some insurers won't cover you if you do manual work.

Trying new sports and activities is something many students also plan for their travels. Standard travel insurance often excludes this; but it is possible to find student travel insurance with sports cover.

Checking the features on a student insurance comparison table will help you identify the packages which offer the most comprehensive cover for the lowest premium.

Don't pay for what you don't need

You need to make sure you are properly protected as being stranded overseas or left with a bill you have no way of paying will ruin your memories of the trip. However, that doesn't mean you should simply opt for the most comprehensive cover on the market.

Think about what you actually need and what you will use. For example, when you arrange your student travel insurance Europe only cover can be purchased. If you don't plan on going further afield, why have world-wide protection as this will only increase your premium?

By cutting out benefits which are of no use and making sure you have everything you do need, you will be able to come up with a quote for the most competitive price without compromising on your cover consequently finding you cheap student travel insurance.