Student TravelTravel

Travel Insurance Tips For Students You Should Know Before Travel

By 15 September 2021 No Comments

When a person is going to move to another country, it’ll be necessary to consider several important things. If it’s a student, the list of the most important things will be longer.


First, students need to think about the visa type that will fit their age. If students are below the ID age, there must be someone who has to take care of them.

Second, the purpose also matters. Visa for mere travelling differs from an educational one.

Joan Young, a professional essay writer in AdvancedWriters, shared her travelling story in one of her blog articles. She said that her biggest mistake was to make a list of the required clothes, medicine, cosmetics, and not include a tip about the insurance.

“I had everything ready, but suddenly remembered about my health insurance, and that was a disaster. I had to pay extra fees for the speed and was afraid to forget some details”

Joan Young

 As such, we hope this article will help students create a plan to follow without a hurry before they travel and avoid any costly mistakes.

Student Travel Insurance Tips To Prepare Yourself From Any Mishaps

Tip 1. Procrastination Is Always Against You

graffiti, street art, amsterdam famous for, Visiting Amsterdam for the First Time
Walking through Amsterdam’s graffiti neighbourhood 🙂

It doesn’t matter whether a student has to write research papers or plan a trip, procrastination will always be against them.

If you’re moving to complete your internships or study, you must have health insurance. As a rule, it’s the requirement of an educational institution or a company. 

It’s a bad idea to buy it in a fuss because you’ll lack time to read all conditions and warranties. As a result, students get new problems such as the inability to get first aid or a lack of compensation because of a different law system (some guarantees do not work in a foreign country, so it must be an international insurance coverage).

Tip 2. Think What Visa You Need

Each visa type has different requirements. They have different valid periods, health check details and, of course, insurance.

For example today, some countries do not accept learners who were not vaccinated or were vaccinated with the wrong vaccine.

Most European countries provide travel permits only to those who got Pfizer, Moderna, Janssen, and AstraZeneca shots. Students vaccinated with Covishield and CoronaVac cannot enter France and similar countries.

So, it’s necessary to regard not only details that one would like to get included, but also the international standards or requirements of the destination country.

Tip 3. Requirements Of The Organization And Waiver Form

Stroud, The Cotswolds, U.K. | Bel Around The World
Stroud, The Cotswolds, U.K. | Bel Around The World

It often happens that the university or an internship company requires a waiver form. A waiver form is an agreement between two sides about the possible threat and a student’s awareness of them.

For example, schools warn that they are not responsible for the personal possessions of learners and their safety when participating in after-class activities.

Another demand might be the prohibition of vehicle use without a driving license. Everything depends on a country and the status of a concrete institution.

Tip 4. Eligibility Is To Be Checked

When students select their insurance plan, you should pay attention to the requirements of the insurance.

Sometimes, it’s impossible to get it without a social security number or specific health testing. Moreover, most international insurance companies demand the visa number, so it must be ready before students apply for it.

Tip 5. Pros And Cons Of the Insurance Plan

Eze, France | Bel Around The World
Eze, France | Bel Around The World

Each insurance plan has its pros and cons. The cheaper it is, the fewer advantages it provides.

Paper writers often chat with students who live abroad. They complain of having the simplest and the cheapest variant because it doesn’t cover even basic needs.

One should make sure that it makes regular and emergency doctor visits affordable.

It’s hard to get adapted to foreign culture, learning environment and traditions, much less the healthcare system from a foreign county.

Students would have to change their doctors for new ones. It’s hard to entrust one’s health to a stranger. So, the insurance should at least reduce the worries by letting international students forget about expenses and concentrate on recovery. 

Many international students have to pay extra taxes for emergency examinations because their insurance plan covers only the basic ones. That is why one should search for a plan that prevents these troubles and extra stress.

Tip 6. Expensive Plan Is Not Obligatory

If students are young and healthy, there’ll be no need to buy the pro version of health insurance. What for? Such students often don’t utilize even all basic services. Nevertheless, it’s essential to consider a student’s personality.

If they adore extreme sports, experiments, fast driving or have chronic diseases, it’ll be better to find a better insurance plan that will cover possible bills. 

For example, the basic plan covers a GP consultation and blood and urine testing, but has nothing to do with a deeper examination like ultrasound diagnostics, barium swallow, x-ray check of organs, etc.

Premium insurance covers everything, including fractures, health complications, and others. 

Tip 7. Think Not Only About Health

jump skydive taupo new zealand
Me skydiving in Taupo, New Zealand

Some students like being trendy and always take expensive things to another country.

It can be a camera, an expensive smartphone, jewellery, a smartwatch, a laptop or branded clothes. If the item’s very expensive, it’s better to ensure it. The most typical insurance is the luggage insurance that’s sometimes included in the flight ticket and hotel booking price.

Make sure to equip yourself with these tips to prevent pickpockets when travelling in a foreign country.

It’s worth contacting students who already study abroad to get more information about the security level and the need for luggage insurance. 

Tip 8. Check The Expiry Date

Students often go back home for the summer holidays and can prolong the period of the plan validity. Thus, it’s necessary to pay attention to its duration, especially if a person is going to travel during the vacation.

Average insurance is taken for the whole learning period (4 years), though it can be valid for 6 months or a year only. It’s necessary to discuss this question with the insurance company before leaving the country.

Tip 9.  Consider The Cancellation Conditions

Couchsurfing in Brussels, Belgium | Bel Around The World
Couchsurfing in Brussels, Belgium

Life is unpredictable. Students might fail their exams, have family problems, or just change their life plans. In this case, one doesn’t require the received insurance anymore. So, it’s important to read the rules about the cancellation of the agreement.

Most companies return money partially. They deduct the fees for the contract termination. Some companies do not return anything and demand extra fees. That is why each detail matters.

Tip 10.  Read Testimonials About The Chosen Insurance Company

Not all insurance companies are fair and transparent. It often happens that students get sick, but the company refuses to cover treatment expenses because of the reasons that were not mentioned in the agreement.

As a result, students spend many months trying to return the money. Experienced international students recommend reading feedback about different insurance companies to know that one has selected the reliable one.

For example, the most trustable and dependable American providers are AETNA, Compass Student Insurance, and ISO.  

You have only one life, and you should take care of it. When something unprecedented happens, students should not have to worry about financial support.

The insurance company is the only one who should consider financial expenses connected with medical checks, lab tests, and hospitalization. Students should think only about the full recovery and security of their luggage if it wasn’t insured.