You definitely need student travel insurance because you don’t want to worry about unforeseen expenses ruining your whole study abroad experience. For instance, if you get sick unexpectedly or get into an accident, then travel insurance would cover the necessary costs of your treatment. If your flight gets delayed for some reason, and you’re stuck in the airport waiting for a plane to take off, then it’ll pay for your hotel and meals until the next available flight.
In addition to medical emergencies, student travel insurance also covers other problems you may encounter while abroad. Suppose you become seriously ill and are unable to travel, and your family has to leave you in their care. Well, this problem could be solved by getting the necessary prescription drugs from your local pharmacy. That would save you hundreds, perhaps thousands of dollars. So, medical coverage is a definite must-have. It’s worth it to get just one point of coverage, right?
The second thing you should look for in a student travel insurance coverage is mental health coverage. Can you imagine going into a foreign country and spending your time there without having any type of mental health care? Of course not! It’s very important that you know you’ll be taken care of in a timely manner if ever you become ill or disabled while you’re abroad. You wouldn’t wish this on any member of your family, so it makes sense that you’ll need the coverage as well. You don’t want to think about what might happen to you in a foreign hospital – you’d rather be recovering in a warm, comfortable place where you can be around people who love and care for you.
Now, let’s discuss student travel insurance that covers medical expenses you might incur in another country. Usually, these policies cover the cost of hospital rooms, ambulances, and doctor’s appointments you might need while you’re out of the country. However, there are some policies that cover only part of these expenses. Be sure to read the fine print to make sure the policy fully pays for any medical services you might need while you’re abroad.
Another type of student travel insurance policy covers extended stays in a foreign country beyond the duration of your intended student trip abroad. These policies usually charge you a processing fee whenever you apply for an extension to your original visa. Be sure you get everything you’re entitled to when you extend your visa.
Probably the most common reason for obtaining student travel insurance covers unexpected incidents. Suppose, for instance, you paid for airline tickets but got lost at an airport and had to pay all the money for the remaining ticket amount? Or what if a trusted co-worker unexpectedly dies in your family? It can be heartbreaking to think about all those costs, but it’s also a good idea to take the necessary precautions to make sure you’ll be financially protected.
Student insurance policies also usually have some type of personal liability coverage. This kind of coverage is necessary if something happens to you as a result of an accident. If your luggage is stolen, or if you get hurt in a foreign country, your travel insurance company should pay for any medical expenses you incur. The insurance company will also cover your legal costs in the case of legal action against them. Of course, this kind of coverage isn’t available if the policy is purchased independently from an insurance company. If you purchase this coverage independently from your student travel insurance, be sure to mention it to your insurance agent.
In addition, student international student health insurance plans usually covers pre-existing conditions. This means that coverage won’t begin until your trip has actually begun, which could mean waiting until you get to your destination. However, most plans do cover pre-existing conditions for up to six months. So you can get protection while you’re figuring out your international health insurance plan. As long as you take time to read the fine print, you can find a plan that will meet your needs and coverage requirements.