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

  • The cover you need

  • The length of your trip

  • Comparing quotes

Decide what to cover

Think about what you want covered if something went wrong abroad. Student travel insurance usually covers:

  • Injury or illness: Your insurer covers your medical costs if you fall ill or have an accident.

  • Personal possessions: Your insurer reimburses you for replacing lost or damaged items.

  • Trip cancellation: You can claim if you are unable to travel, for example if you're having an emergency medical procedure.

Check your quotes carefully to make sure the cover you need is included.

Check your trip details

Knowing the length of your trip will help you find the right student travel insurance policy.

Work out how many days you will be overseas and then check if your quotes will cover the full duration of your holiday.

Also consider how often you will travel as there are different levels of cover available, such as:

  1. 1.

    Single trip cover, which covers only one trip of a certain length e.g. up to 100 days

  2. 2.

    Multi-trip cover, covers you for several trips made in a 12 month period

Find the right deal

Compare several quotes to find the right one for you. Check the terms and conditions carefully and be aware of any exclusions. Typical exclusions include:

  • Pre-existing medical conditions

  • Age

  • Restricted countries

  • Extreme sports

Make sure you can afford any excess that needs to be paid if you make a claim, because your insurer may reject your claim if you're unable to pay.

Make sure your details are correct, otherwise your policy may be invalid

Student travel insurance FAQs

Q

Are all countries covered?

A

No, certain countries may be excluded. Check your quote or contact your insurer to find out if your destination is covered.

Q

Do I need to take my policy documents with me when I travel?

A

Yes, having your documents with you is useful as they contain information about your cover and instructions for making a claim.

Q

Do I legally need to have student travel insurance?

A

No, student travel insurance is not a legal requirement. However, it can protect you against expensive bills if something happens abroad.

Q

Do I need travel insurance if I'm going to Europe and have an EHIC?

A

Yes, European Health Insurance Cards only cover medical treatment while in the European Economic Area (EEA).