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
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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 

From 17 May 2021, a travel traffic light system has been introduced and trips to green listed countries will be legally permitted if you live in England and Scotland. If you live in Wales and Northern Ireland, you still need to follow the rules for your relevant local authority, which can be found here.

If a country is on the green list, you still need to check the latest travel advice and entry requirements for each country you visit or transit through. This is to ensure you're aware of any specific requirements relating to entry and to check travellers from the UK are permitted. Countries can have their traffic light status changed at short notice and you should take this into consideration when looking to travel. Please check the Foreign, Commonwealth & Development Office (FCDO) advice for the latest information.

The FCDO advises against all but essential travel to most amber and red listed countries. Should you choose to travel against the FCDO rules, you will not be covered by any travel insurance policy you purchase. Some providers do offer cover for international travel if you’re travelling for essential purposes, however most do not. In all cases, should you have any queries please check the policy wording or contact your chosen provider before purchasing to ensure the cover meets your needs.

Travel within England, Scotland and Wales is permitted under the current guidelines. However, public health rules and lockdown restrictions continue to vary, including entry restrictions for Northern Ireland. Check the latest guidance from the official tourism boards for England, Scotland, Wales and Northern Ireland.

Find out more here

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.

The Money and Pensions Service (MaPs) has launched a directory of insurance providers on its Money Advice Service website that 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. 

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