Student travel insurance

If you’re heading overseas to study or for a work placement, it’s important to get student travel insurance for peace of mind and financial security.

If you’re heading overseas to study or for a work placement, it’s important to get student travel insurance for peace of mind and financial security.

Josh Daniels
From the Travel team
3
minute read
Do you know someone who could benefit from this article?
Posted 18 JANUARY 2021

Why do I need travel insurance when studying abroad?

Travel insurance for students studying abroad will ensure you're covered for the cost of medical treatment if you fall ill or have an accident. It may also cover lost, stolen and damaged baggage and other travel-related problems, which can also be very costly in other countries.

If you're the victim of crime, you may be able to claim on your travel insurance for the value of the items that are taken. How long you'll be away for and what you'll be doing will have an impact on the type of cover you need.

CORONAVIRUS UPDATE

Following the UK’s most recent national restrictions, you can only travel internationally or within the UK if you're legally permitted to do so while the UK is under full lockdown restrictions.

This means that, unfortunately, we’re unable to provide any new single trip price comparisons within or outside the UK, with a start date that falls within the national lockdown. You’re still able to purchase annual multi-trip policies, however, if you choose to travel against FCDO advice and current restrictions, you won’t be covered for your trip.

The Foreign, Commonwealth & Development Office (FCDO), currently advises British nationals against all but essential international travel. See latest FCDO advice for further information.

Any insurance policy purchased to cover a trip to a destination where the local authority, or the FCDO, has instructed citizens not to travel, will not be valid.

For more information, please see our coronavirus and travel insurance page.

Until then, stay safe.

Customers with more serious pre-existing medical conditions

Our panel includes insurance providers who quote cover for all medical conditions declared on our website, with no exclusions.

On its Money Advice Service website, The Money and Pensions Service (MaPs) has launched a directory of insurance providers who may be able to provide quotes over the phone, if you have more serious medical conditions. Find more information at the Money Advice Service or by calling the British Insurance Brokers’ Association on 0370 950 1790.

What type of cover do I need?

When deciding on a student travel insurance policy, you’ll need to consider the specifics of your itinerary, as well as your study or work placement requirements, to ensure you’re opting for a policy that meets your needs.

If you’re going to work abroad then you’ll need to disclose this when getting a quote, as it will affect your policy.

  • Single trip  covers you for one trip (for one or multiple destinations). Cover starts when you leave your home in the UK and ends when you return home. There’s a maximum amount of time that you can be away on one trip for – this is typically 31 days

 

  • Annual cover  can also be known as a multi-trip policy. It’s normally purchased on an annual basis and will commence from your selected start date. During your multi-trip policy, you’re able to travel multiple times to your selected destination(s) over the course of a year, with the cover starting and finishing in the UK
  • Backpacker trip  offers cover for a single trip, usually spreading across many months to the destination(s) selected
  • Sports travel insurance  can cover more extreme or adventurous sports, such as horse-riding and scuba diving
  • Extreme sports travel insurance  is perfect for adrenaline junkies who love to take part in high action sporting activities. Each insurance provider has their own terms and will have different classifications for which sports are classed as extreme. 

What does student travel insurance cover?

Travel insurance policies vary from provider to provider, but can cover a variety of circumstances, including:

  • emergency medical treatment costs  – policies usually cover the cost of getting you home after medical treatment abroad too (if you can’t use your original ticket). Plus, some policies cover the cost of a friend or relative flying out from home to support you and staying with you while you’re receiving treatment. An EHIC/GHIC** entitles you get medical treatment on the same basis (maybe free or at a low cost) as local people in countries within the EU

 

  • Lost, stolen or damaged baggage or other possessions - baggage cover covers you if your bag gets lost, stolen, or damaged. It’s usually included with standard travel insurance, but it’s always a good idea to check your policy
  • Delayed or cancelled flights - if you experience travel delays that cause you to miss something important on your itinerary that you have paid for in advance, your policy may cover the cost.
  • Holiday cancellation - this will cover the cost of your holiday, should you need to cut your trip short or abandon it altogether due to an emergency or event such as bereavement.

**After Brexit, and the UK officially left the EU with a deal in place, things have changed. You won’t be able to apply for an EHIC anymore, but, if you have one already, issued before the end of 2020, then it’ll still be valid until the expiry date.

However, the UK government has introduced a replacement called the Global Health Insurance Card (GHIC). If you don’t have an EHIC, or once yours expires, you can apply for a GHIC here, and it should arrive within 10 days. The GHIC will offer the same cover as the EHIC did in EU countries.

Where can I compare student travel insurance?

If you’re thinking about a student policy, it’s worth using our travel insurance comparison service to compare multiple student travel insurance policies all in one place. You can compare features and prices, to see which policy suits your needs. 

Looking for a quote?

Get a new travel insurance quote in minutes and you could start saving

Get a quote
Compare travel insurance Get a quote