Student travel insurance

We could help you find travel insurance quotes for students from a wide range of top providers, making sure you get the right cover for your needs.

  • Choose your extras
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  • Compare student travel insurance from leading providers
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Compare student travel insurance from leading providers

Looking through a range of options gives you more chance of securing a great deal. You'll only find results from genuine companies. Our data experts check each company before we add them to our comparisons.

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How to compare student travel cover

1

Enter your details

Let us know what you need so that we can find our best student travel cover policies for your trip. Declare any medical conditions and also any extras such as extreme or winter sports cover.

2

Compare your options

Have a look through the options as cost can vary significantly between providers. The cheapest travel insurance option might catch your eye however check the terms to ensure you're fully protected if you need to make a claim.

3

Apply and save

Many insurers offer discounts for applying online, while some only ever operate digitally, so to make sure you find the best travel insurance deals comparing quotes on the internet is a must. Once you've decided on the provider you want, simply apply.

What is student travel insurance?

Student travel insurance is tailored especially for students. It can be valuable if you’re going abroad to study, work as part of a course, or volunteer. 

You can also use it when travelling for pleasure providing you’re still registered as a student. You can usually go away for longer on a student policy than you could with regular travel insurance cover.

Travel insurance isn’t a legal requirement for students studying or working abroad, but it’s something you should consider getting for your own protection. Having student travel insurance in place can give you both peace of mind and financial security.

What does student travel insurance cover?

Your policy can cover all sorts of eventualities, including:

  • Injury or illness: pays out for any medical costs if you fall ill or have an accident while you’re abroad

  • Baggage claims: reimburses the cost of any luggage that goes missing or gets damaged in transit – this doesn’t include unattended luggage

  • Lost or damaged possessions: covers the cost of any personal belongings that go missing or are broken while you’re abroad

  • Trip cancellation, curtailment or delays: lets you claim if you are unable to travel or your trip gets cut short

  • Repatriation: pays the cost of getting you home in an emergency

Check quotes carefully to make sure the cover you need is included before you sign up.

What does student travel insurance not cover?

Typical exclusions on travel insurance for students include:

  • people with pre-existing medical conditions

  • those who fall outside the age limits

  • certain destinations

  • participation in extreme sports

  • accidents linked to alcohol or drugs

  • specific jobs, whether they are paid or unpaid – usually manual labour

Can I travel anywhere with student travel insurance?

Some travel insurance for students may only cover Europe, while other policies may also cover destinations like the USA, Australia or further afield.

It is important to check that all the countries you plan to visit on your trip are included in your policy. Don’t forget to check any countries that you’re stopping over in or passing through.

Check your trip details

Your policy can last as long as you need it to. Work out how many days you’ll be overseas, and then check if your quotes will cover the full duration of your trip.

There are different types of cover available:

  • Single-trip covers just one trip of a specific length, such as up to 100 days

  • Multi-trip or annual cover multiple destinations, usually over a 12-month period

  • Backpacker covers longer trips: it’s ideal for people taking a gap year and may suit students studying or working abroad

  • Sports travel or extreme sports travel cover you for sporting trips, which could include skiing, horse riding or scuba diving

Find out more about whether you should get single-trip or annual student travel insurance?

How to find the best student travel insurance

When looking for the best student travel insurance policy, you should think about:

  • what type of cover you will need

  • what you want to cover

  • how much cover you require

  • where you’re travelling to

  • the length of your trip

  • the price – try comparing quotes to find the best deal

Double-check the policy you’re looking at to make sure it covers you for study, work, volunteering or whatever else you plan to do on your travels.

Compare student travel insurance quotes to find the right one for you. Read the terms and conditions carefully so you’re aware of any exclusions.

What else to look out for when it comes to student travel insurance

  • Check current advice from the UK Government’s Foreign and Commonwealth Office – if they deem any of your destinations unsafe and you decide to travel anyway, you could invalidate your insurance

  • If you plan to work, double-check that your policy covers you for the type of work or volunteering you plan to do while you’re away

  • Ensure you can afford any excess that needs to be paid if you make a claim; if you can’t afford it, it’s likely that your claim will be rejected

  • If you have any pre-existing medical conditions, make sure you declare these before you take out insurance

  • Check your policy documents carefully to make sure your details are correct otherwise your policy may be invalid

  • Take out student travel insurance as soon as you know you’re going away, because having it in place means you can claim if the trip is cancelled

  • Remember to look after yourself and your belongings – travel insurance doesn’t mean you can be careless

Pre-existing medical conditions

You can still get a quote through money.co.uk if you have a pre-existing condition, including cancer or severe heart or respiratory complaints. People who have had strokes or are terminally ill can also get a quote.

Some insurers might not cover you if you already have a severe medical disorder or a number of conditions, and others may only offer insurance at a much higher price. If you’re unable to find suitable cover, talk to the Money and Pension Service (MaPS). It has a directory of insurers willing to cover customers with pre-existing medical conditions.

You can contact the Money and Pensions Service (MaPS) through its website or telephone the team on 0800 138 7777.

Student travel insurance FAQs

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What you need to know to get as much holiday for your money as you possibly can - from where to go, how to get there, the best way to spend while away and your rights if anything goes wrong

Last updated: 13 April, 2022