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Student travel insurance

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.

Patrick Ikhena
From the Travel team
3
minute read
posted 14 OCTOBER 2019

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

As of 23rd Match 2020, the UK Government announced a series of restrictions to travel, public spaces and gatherings. For a minimum of three weeks, people are being instructed to stay at home whenever possible. For this reason, travel insurance policies purchased from this date, for trips within the UK with a start date before 13th April 2020, will not be valid.
 
The UK Government also instructed all British tourists and travellers, that are currently abroad, to return to the UK as soon as possible.
 
As of 17th March 2020, the Foreign and Commonwealth Office (FCO) have advised against all non-essential travel abroad for an initial period of 30 days. This means that any travel insurance purchased from this date, for trips outside of the UK with a start date before 16th April 2020, will not be covered by the provider.
 
Coronavirus was declared a pandemic on 11th March 2020, so this may also affect your policy, particularly those taken out on or after that date. Please check any existing policies carefully, to find out what you’re covered for.
 
For more information please see our coronavirus and travel insurance page.

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. A European Health Insurance Card (EHIC)** 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.

**UK residents can use their EHIC after the 31 January during the transition phase of the UK leaving the EU. This means that the EHIC can continued to be used in the same way until the 31 December 2020. What happens to the status of the EHIC after the transition phase will be decided as part of the negotiations on the future UK-EU relationship.

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. 

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