Growing up, I was always afraid to travel. The ‘what-ifs’ usually find their way into my mind. What if I get sick? What if I break an arm? What if I lose my bags? The list is endless.
To fuel those thoughts, I once had an accident while traveling as a student. I lost a bag, was seriously injured and had to spend extra money to treat myself.
All of this would have been taken care of if I had student travel medical and AT&T insurance.
Many students cherish their travel and study experiences abroad and wouldn’t want to miss out on all the fun. A good way to indemnify yourself and remove extra costs that can be incurred by purchasing general travel and health insurance for students.
The 5 best travel insurance agencies for college students for both local and international students that cover different health packages, we will be discussing in this post.
Stay with us!
Best Student Travel Insurance
As a guardian, do not allow any of your pupils who are a school student to travel without student travel insurance. It’s just too risky!
The student travel insurance policies are;
#1 Travel Guard
Lost your bag? We can help you track it with Bag Trak. Or we can cover your losses if it is not found. We are Travel Guard!
Travel Guard is one of America’s top travel insurance agencies for students.
The insurance plans include student travel insurance and student medical travel insurance.
Actually, you can use these insurance policies for both domestic and international travel.
They cover medical care, travel interruptions, optional upgrades to emergency medical evacuation and 24/7 travel assistance services.
Whether for a week, a semester abroad or for a longer period of time, we are here for you.
#2 Allianz Travel Insurance
Allianz student travel insurance is another scheme that has many plans.
Basically, there are three travel insurance plans and they have primary emergency medical benefits. These are the OneTrip Emergency Medical Plan, OneTrip Prime Plan and OneTrip Premier Plan.
OneTrip Medical Emergency PlanThis plan is a very flexible and affordable travel insurance plan. This covers your lost luggage, missed connections and travel delays.
You get up to $50,000 in emergency medical benefits if there is illness or injury during the trip. Also up to $250,000 in case of medical evacuation.
Most importantly, it’s great for free-spirited students traveling for 180 days with no set itinerary. Why? Because it does not cover trip cancellation or interruption.
OneTrip Prime Subscription
Because most students are fast-paced, in the moment, and able to change plans in the blink of an eye, this plan includes the ability to cancel or interrupt travel.
So you get money back for any emergency that requires you to cancel or interrupt your trip. In addition, lost luggage, missed connections or travel delays will be charged.
You will receive benefits worth up to $25,000 for emergency medical services and emergency medical assistance for transportation up to $500,000.
OneTrip Premier Subscription
Here, students get very unique benefits of up to $50,000 in emergency medical benefits and up to $1 million in emergency medical care.
Specifically, there is the benefit for travel delay up to $1,600, loss or damage to baggage up to $2,000, baggage delay up to $600, and missed connections benefits up to $1,600.
#3 World Nomads
Travel Insurance for Students Studying Abroad is a simple and flexible travel insurance policy for students studying and traveling abroad.
Students can purchase the standard or discovery plans for medical emergencies, evacuation, cancellation, luggage, and many other fun activities.
As students, we love to explore. With World Nomads you are covered in snow, water, air, land, sports and experiences. Your safety is assured!
So whether you need medical or dental assistance or advice, emergency evacuation or travel assistance, our team is available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you an aspiring travel photographer, filmmaker or writer? This is your chance to turn your passion into your profession. Apply for the creative travel grant.
#4 Seven corners
The Student Medical Travel Insurance is for full-time students, teachers and their families. These persons must be at least 12 years of age and under 65 years of age.
Because this is one, if not the best medical travel insurance policy for students, it does come with some rules.
The Liaison Student Plan is for US citizens traveling to other countries. It cannot be used to travel within the US as a student in the US. Also for non-US citizens it covers both travel to and from the US.
Liaison Student offers comprehensive medical coverage, an extensive network of medical providers and 24-hour travel assistance.
There are other seven-tier insurance plans that cover medical expenses as well as property, but Liaison is best for college students.
#5 International Student Protection ISP Protection
This scheme has two categories of insurance plans.
Firstly, insurance for international students and scientists studying in the US.
Under this scheme, there are four plans for international students to apply. The Patriotic Exchange Plans are available for one month to four years. Likewise, the Pioneer student plan has an unlimited lifespan.
Again, there are the pioneer sports plans and the patriot plans that CPT uses for short-term medical insurance with terms ranging from 5 days to 2 years.
Second, insurance for US students and scientists studying abroad. This is done under the student health benefit. It provides accident and illness coverage for U.S. students studying abroad.
What should you pay attention to with student travel insurance?
The problem with getting student travel insurance is not going to the wrong agency, but not knowing what the right plans are and what to look for in those plans.
If you want to travel internationally, the most important thing to consider with travel insurance is primary emergency medical benefits.
Another important factor to consider is the benefits of emergency medical transportation. This covers the cost of medical evacuation for a covered illness or injury that may occur while travelling.
Why you need student travel insurance
If you have been traveling, you will notice that things happen. They just do it. And when they do, you’ll be happy, there’s a company behind you.
If you haven’t traveled, we’ll show you why taking out student travel insurance is essential.
First, for educational purposes. You cannot travel to many countries without student travel insurance. How do you take out travel insurance as an international student? Visit the above sites and apply.
Second, it protects against additional costs that may arise while traveling. For example, if you become ill, you may want to go home as soon as possible and that means extra international travel costs. But with emergency/medical evacuation coverage, this is taken care of.
The other reason that is often overlooked is to cover for missed connections. You just don’t lose money if an unforeseen circumstance stops your travel.
Finally, loss of bags and belongings are other reasons to purchase student travel and health insurance.
How do you choose the right student travel insurance?
Here are the best tips for finding the right student travel insurance.
#1 The kind of insurance coverage you need
What do you cover if something goes wrong? Injury, illness, theft of personal belongings, cancellation of the trip? Is insurance required for an international student trip? Whatever you need, make sure student insurance covers medical expenses and all other necessities.
#2 Duration of the trip
Check the details of your trip. Is it a one way trip or multiple trips?
How many days does the journey take? Is there still room for an expansion? These determine which insurance you choose.
#3 Compare quotes
Compare different quotes and find the right one for you. Please check the restricted countries, age limits and amount before making your choice.
It is very essential that students have health insurance for any trip be it interstate or out of country.
That’s why we haven’t just written about the 5 best student travel insurance policies for healthcare and international students. We also showed you what to look for in insurance plans and how to choose the right plans. Be safe!