Student/ Scholar

Like any travel insurance product, student universe UK is also covered all of the following terms:

• Trip Cancellation or Interruption: If you have to cancel or cut short your trip due to unforeseen circumstances, such as illness, injury, or the death of a family member, travel insurance can provide reimbursement for non-refundable trip expenses.
• Medical Expenses: Travel insurance covers medical costs incurred due to illness or injury while traveling. This includes doctor visits, hospitalization, prescription medications, and emergency medical evacuation if needed.
• Baggage and Personal Belongings: If your baggage is lost, stolen, or damaged during your trip, travel insurance can reimburse you for the cost of replacing essential items and belongings.
• Emergency Assistance and Evacuation: If you encounter an emergency situation during your trip, such as a natural disaster or political unrest, travel insurance can help with emergency evacuation and repatriation to your home country.
• Personal Liability: Travel insurance can cover legal expenses and compensation if you are held legally responsible for causing injury to someone or damaging their property during your travels. 
• Pre-existing Medical Conditions: Some travel insurance policies offer coverage for pre-existing medical conditions if certain criteria are met.
• 24/7 Assistance: Many travel insurance providers offer round-the-clock assistance services, such as travel advice, medical consultations, and help with lost documents

Student travel insurance costs vary according to:

• How much protection you desire. You will spend more if you select a health insurance plan with a higher policy maximum. It will cost considerably more if you add coverage for "add-ons" that are optional, like liability.
• The location you are going to. Due to the extremely high cost of healthcare, travel insurance for the US, for instance, is more expensive than in most other nations.
• how long you need to have insurance. It will cost more to purchase travel insurance for a month than for only two weeks.

If you are confused about how to get a travel insurance plan, you can consult one of the following ways: 

• You can buy a travel insurance company directly in your home country. 
• You can buy it on an online platform  through international insurance companies offering student travel insurance plans. You can go to their website or download their app to read clearly through the plans they offer, and purchase one.
• You can also buy travel insurance through online travel insurance brokers, which let you compare policies from many providers before choosing one. The dates and locations during which you want to be covered must also be entered.

>> Read more: Who is eligible for student travel insurance?

Student travel insurance with personal liability cover provides financial protection for students traveling abroad if they are legally responsible for causing injury or property damage to someone else. This coverage also applies to household relatives, so you may be covered if your child accidentally damages your neighbor's property.

Some factors below apply for student travel insurance personal liability: 

• Damage to a third party’s property during your careless case.
• Damage to a third party’s vehicle while you are driving. 
• Expenses associated with submitting a claim and, if necessary, employing legal counsel; the extent of your plan's coverage will determine these costs.
• Your insurance company will cover the third party's medical bills and any connected expenditures if you are at fault.
• The third-party accidental death benefit depends on the coverage amount in your plan.
• Payment for a third party's lost wages as a result of your negligence, however, is subject to the terms and conditions and policy limits.

As an international student, travel insurance is a valuable investment for you. It protects you in unfortunate cases: Cancellation and interruption coverage, lost luggage, medical treatment in case of an illness or accident,...

The best student travel insurance based on your specific needs and circumstances to choose the suitable category. Some factors to consider when selecting a student travel insurance policy: Coverage, medical coverage, pre-existing conditions, destination, duration, additional benefits

You can consider some suppliers that offer student travel insurance: Seven Corners, Travelex Insurance, AXA Assistance USA, Nationwide, Generali Global Assistance.

Besides, you can buy student travel insurance with Travelner. We are proud of providing various categories, 24/07 customer service and suitable pricing policy. Let’s invest student travel insurance to have a peace of mind through study abroad life.

When it comes to choosing the best travel insurance for students visiting the USA, there are several factors to consider, such as coverage, affordability, and specific needs. Here are two travel insurance packages that are highly recommended for students:

• Patriot Exchange Program: It includes coverage of accidents, illnesses, and mental disorders. This plan is designed specifically for students studying abroad or engaged in educational activities in the United States. Most plan options are designed to meet the U.S. J1 and J2 visa travel insurance requirements. 
• Student Health Advantage Platinum: The plan increased benefit limits and it provides enhanced coverage for medical expenses, emergency medical evacuation, and other medical services. This plan is suitable for students who want extra peace of mind and a higher level of financial protection during their stay in the USA.

Before making a final decision, students should consider their specific needs and the requirements of their academic institution while selecting the best travel insurance plan for their stay in the USA. Consulting with the Travelner's insurance representative can also be beneficial in understanding the nuances of each plan and making an informed choice.

Student travel insurance typically provides coverage for various risks and emergencies that students may encounter while studying abroad. The specific coverage can vary depending on each insurance package and the policy chosen, but here are the common elements that support students. 

This insurance plan not only meets the essential visa requirements but also goes above and beyond to address the diverse needs and concerns of international students. By offering benefits for mental health, and international emergency care, it aims to create a safe and conducive environment for students to make the most of the educational experiences abroad.

Moreover, it's crucial for students to carefully read and understand the policy's terms and conditions to know precisely what is covered and what exclusions may apply. Coverage may vary depending on the insurance plan, so comparing different policies and choosing one that aligns with the student's specific needs and destination is essential to ensure comprehensive protection while studying abroad.

>> Read more: Is travel insurance mandatory for UK student visa?

Yes, students can get discounts on travel insurance. Many travel insurance plans for students may offer more affordable premiums and tailored coverage to suit students studying abroad. The discounts available to students can vary depending on each insurance package and the specific policy. Here are some common ways students may qualify for discounts on travel insurance:

• Exploring the seasonal promotions for student travel insurance
• Choosing the suitable student travel insurance plan
• Buying travel insurance well in advance of the trip may entitle students to early bird discounts

Remember that the availability of these discounts may vary over a period, so it's essential for students to compare the policies and travel insurance to find the most suitable and cost-effective travel insurance to get an early purchase.