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Feb 18, 2023

If You Are a Student, Travel Insurance is the First Thing You Need to Buy When Going Abroad for Higher Education

For many Indian students, going abroad for their higher studies is one of their primary academic aspirations. Better living conditions, a chance to earn a better income and the opportunity to explore a new country are some of the reasons why many students wish to go abroad. Most of them take a loan to fund this opportunity. If you are a student who is planning to go abroad for their higher studies, there is one vital element that you should include in your itinerary: travel insurance. Here’s how it could benefit you.

Benefits of student travel insurance

You should consider getting student travel insurance for the following reasons:

1. Your medical expenses are covered

Moving to a new country can be a task in itself. Adjusting to the local weather and cuisine takes time for many. While you get acclimatised to your new surroundings, there are chances of getting sick during that process. Nothing can be scarier than falling sick in a foreign country with no familiar faces around you. The cost of medical treatment in such locations are also quite high. You need not worry, however, as your travel insurance is designed to provide financial assistance to you during your period of treatment. *

2. Your baggage is secured

When going abroad for your education, there are a lot of things on your itinerary that you might take along with you. These may include clothes specific to the region, all the important documents you require, your medication, and electronic accessories among other things. If by any misfortune, your baggage gets stolen or lost, it could really cause you to panic. * However, your student travel insurance ensures that you are provided with sufficient financial compensation to purchase the items that you have lost. Alternatively, you may get reimbursed with the actual amount of the items which you lost.*

3. Compassionate visits are paid for

There is no predicting when you might get sick. If serious hospitalisation is required, you would wish for someone to look after you, like a family member. Due to the expensive air travel, it might not be possible for a family member to simply come to visit and look after you while you recover. However, with the help of travel insurance, their cost of travel is covered by the policy. To avail this facility, you need to be hospitalised for seven consecutive days, following which your family member can travel to your current location. Similarly, if you are required to go back home due to a medical emergency in your family, the policy will cover your cost of travel given that the member has also been hospitalised for seven days or more.*

4. You are compensated for the loss of semester

Imagine this: you are preparing for your semester which is soon approaching. You are busy with your preparations when you are informed that someone in your family has breathed their last. As this was a close family member, your presence is required back home. However, travelling back home means having to miss your exams and reappearing for them in the next term. This is also a financial loss for the fees which have already been paid. With your student travel insurance, you do not have to worry about this loss. If any sort of emergency arises that causes you to miss a semester, your policy will reimburse for the fees which you have paid.*

What is not included in student travel insurance?

The following are some of the exclusions of the policy:
  1. Harm to health due to consumption of substances that are banned or illegal as per the local law
  2. Falling sick due to undisclosed sickness
  3. Injury caused on purpose
  4. Participating in an adventure sport not covered by the policy


Planning for education abroad can be a very vexing task. However, you should not overlook the importance of online travel insurance before you depart for your destination. The benefits mentioned above are just a handful of them. You can get in touch with your insurance advisor to know about its benefits. *Standard T&C apply Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.  

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