Travel insurance must haves
All good insurance policies will have some common features regardless of whether you’re specifically looking for the best travel insurance for students or otherwise. Things like:
Medical expenses – “the greatest wealth is health” as the saying goes but you’re going to have to cough up in the first place in order to keep it. Make sure you’re covered for treatment and emergency flights back home (repatriation). If you’re heading off to Europe, make sure you have an EHIC card which will give you the same healthcare that locals get and can be used in conjunction with your travel policy.
Cancellation and curtailment – you might want to have a policy that protects you against the cancellation or curtailment (cutting short) of your holiday. Your policy should cover you for the cost of your holiday, so if you’re only off to Spain for a week then you probably won’t need a policy that covers a trip worth £10,000 – unless you’re holidaying in some serious style. Check you’re protected if your holiday provider goes bust too as you don’t want to lose out.
Delays and missed departures – no one wants a delayed flight. But if your insurance covers you for this, it may cover the cost of extra meals or a night in a hotel whilst you wait for the airline to sort it out. Check your policy covers you for missed departures too although providers tend to be very specific about what counts as a good reason for a ‘missed departure’ – spending too much time browsing in Duty Free isn’t usually one of them.
Abandon ship – not literally. But if you do need to cancel your travel plans for a good reason then your provider may cover at least some of the cost.
Personal liability – it wasn’t me, honest. But it could be you that unwittingly causes an accident, in which case you’ll heave a sigh of relief at the personal liability clause in your travel policy.