Are you heading off to study abroad? Finding the right student travel insurance doesn’t have to be complicated. With just a few simple steps, you’ll be covered and ready to enjoy every moment of your adventure!
Keep reading to discover the top 10 tips for choosing the best student travel insurance.
1. Check with Your University First
Some study abroad programs have specific insurance requirements or recommendations. Checking with your university early will help you narrow down your options and ensure you meet all necessary guidelines.
2. Don’t Wait Until the Last Minute
Choosing the right insurance takes time. If you leave it for the last minute, you may end up buying a policy without much consideration. Also, you’ll be busier with final arrangements before your Erasmus. So, consider getting insured as soon as you book your transportation.
3. Understand the Limits of the EHIC
Even if you have a European Health Insurance Card (EHIC), it only covers state-provided healthcare. That means you won’t be covered for things like repatriation, flight delays, lost luggage, or trip cancellations. Travel insurance fills these gaps to ensure you’re fully protected.
4. Medical Coverage Is a Must
Beyond basic travel protection, make sure your policy includes:
- Emergency medical care
- Hospitalization
- Repatriation (not included with EHIC)
5. Look for Personal Liability Coverage
Accidents happen, whether it’s spilling coffee on your team’s laptop or a flowerpot falling from your flat balcony. Look for insurance that includes Personal Liability Coverage to protect you in case you accidentally damage property or injure someone.
6. Check the Coverage Limits
Pay close attention to the coverage limits, which are the maximum amounts the insurance provider will pay for claims. This can be a deal-breaker when deciding on the best policy for your needs.
7. Look for Extra Benefits
A good travel insurance policy should offer additional benefits that make your time abroad easier, such as:
- 24/7 emergency assistance
- Multilingual support
- Video medical consultations
- Coverage for lost or stolen items
8. Consider Sports Coverage
If you’re an adrenaline junkie or plan to practice sports during your stay, look for a plan that offers optional sports coverage.
9. Compare Cost vs. Coverage
Consider all the above factors and balance cost against coverage to make sure you’re getting the best value for your money. Always pay attention to the coverage limits.
10. Ask Questions Before You Buy
If you have any questions, don’t hesitate to contact the insurance company. Clear up any doubts to ensure you’re choosing the best travel insurance for your study abroad experience.
Need The Right Insurance to Back You Up?
Get covered with OnCampus Abroad Student Travel Insurance and enjoy your study abroad journey worry-free.
