Important things you need to know about International student insurance 


Moving to a foreign country isn’t always easy. But it is exciting and can be full of life-changing opportunities. To get the most easy and stress-free experience, you should consider getting travel/health insurance. Our website includes an explanation of insurances, as well as some lifestyle tips for moving abroad. Whatever type of insurance plan you select has to be weighed based on factors such as your financial situation, destination country, and university study program. This article will give you more detailed information about how to do that.

1. What is international student insurance?

As a student, international travel can sometimes be full of uncertainties. International student insurance policies provide coverage for baggage-related risks, medical expenses, and other travel-related issues that you may come across when on a trip abroad. It’s not always necessary to get insurance at university, but it can be a smart precautionary measure.


Student health insurance policies are comprehensive and tailored to meet your needs. They are designed to meet the requirements needed by your school, such as coverage for mental health, pregnancy, and sports. There are many different levels of plans offered by insurance companies and they vary in price. Find the one that meets your budget and needs!

2. Why do you need international student insurance?


International student insurance can protect you against the numerous financial risks that most international students face. Medical expenses are not exactly the same worldwide and many students from the USA and Europe find them very costly.


Knowing that you’ll be covered for medical expenses is an extremely important part of being a student, no matter what your academic or geographic location. It’s essential to get the right plan that meets your needs. With international student insurance, no matter where you are enrolled in school, you can get the best balance of cost and coverage to fit your lifestyle abroad.


A Student medical insurance policy benefits users by covering the cost of medical treatment and reimbursement for non-medical expenses like passport and baggage loss, theft, legal prosecution, delay in take-off, cancellation of flight, etc.

3. What does an international student insurance policy cover?

International student health insurance is essential when you plan to study abroad because it helps to reduce the financial risk associated with travel emergencies and medical bills. Plans vary, but the average coverage includes basic elements like:


  • Medical evacuation
  • Dental treatment expenses.
  • Reimbursement of emergency medical expenses.
  • reimbursement of loss of luggage, passport, baggage, etc.
  • Missed departure.


Student travel insurance benefits can include the ability to suspend studies if you need to take time off and continue covering you for damages such as those for property damage and loss of income due to study interruption.

4. Is it mendatory to have international student insurance?

Student travel insurance will cover you for delayed flights, cancellations, lost luggage, and more.


Most colleges and universities in countries like Australia, Canada, UAE, Malaysia, Germany, UK and others have student insurance as a mandatory requirement. You have the choice to either purchase international student insurance through your country or opt for the insurance provided by your university.


Remember to compare the rates of plans in your home country versus what your university recognizes. You’ll most likely find that insurance plans are cheaper and recognized in your home country.

5. What does a student insurance policy not cover?

Some situations are not eligible for coverage by student insurance. This is a list of those situations:


  • Traveling without a doctor’s consent.
  • If your passport is lost or stolen and you’ve lost control over it is because of negligence, or if you do not report it to the local police on time, we can provide assistance.
  • Expenses due to a pre-existing medical condition.
  • Self-inflicted injuries or illnesses.
  • Use Alcohol or drug.
  • Claims arising from pre-existing medical conditions that were not disclosed before the policy was issued.
  • Treatments received by going abroad.
  • Venereal diseases.

6. Determine the cost of your insurance

When you’re considering student insurance, you should clarify the factors that will affect the costing, such as-


Age plays a big part in determining the cost of the student insurance plan. There are different costs for those at different age groups, but those aged 65-69 will have the highest premium.


Health Reimbursement plans for students range from preliminary and budget-friendly to complete with enhanced coverage for pre-existing conditions and maternity. You can also choose the desired level of policy coverage that meets your needs.


Another factor that affects the cost of insurance is the length of coverage. You can choose how many months of coverage you want for an international student health insurance plan. It isn’t cheap to add more months, so this will ultimately affect your premium.

7. How to save on student insurance premiums?

Once you know the best insurance policies, it’s easy to compare them and find the best one for your needs.


Analyze the risks involved


Calculate the health and safety risks associated with the country you’re visiting before choosing a coverage plan. If the country is safer, you might be able to get away with a cheaper insurance coverage plan. Even just buying a basic plan will help protect you in case of issues.

Think about purchasing student insurance online

Buying student health insurance online is a convenient and easy process. Online shopping is now more accessible than ever with big benefits like discounts and offers that can save you money.

Choose the right deductible

Depending on how much you are willing to pay in the initial deductible, this will dictate the value of your insurance in years following, and can also affect your premiums over that time. So make sure you do your research before choosing a deductible amount that fits your personal needs.

8. How to do a claim of a student insurance?

First, you should report any claims or losses to your insurance provider. Registering with them is easy and can be done by speaking with their customer service team on their toll-free customer support number. If you have questions, reach out to them for help.


We understand that accidents happen. Sometimes you just might find yourself sick and can’t get in contact with your insurer ahead of time. In case of an emergency, you’ll need to get in touch with them without delay. Therefore, it’s best if you reach out as soon as possible.


If your insurance provider requires it, you’re likely to be subjected to a medical examination.

9. Important facts to keep in mind

It’s important to know about the matters and facts related to student health insurance before you buy it. This will help you determine what kind of coverage is right for your needs.


When it comes to choosing a travel insurance policy, many insurers will only cover those under the age of 35. However, you may be able to buy one if your main reason for going on a trip is education. In particular, you’ll need to note that the reason you are going on a trip must be related to education.


If you already have a student health plan from your local insurer, you can claim a refund from your foreign university. If the premium is included in your fees, they will help cover their share to help ensure you get the maximum value for your tuition fees and financial aid.


While some universities mandate insurance coverage for risk factors associated with the urban lifestyle, many take risks further by instituting mandatory cancer screening, drug dependency and alcoholism coverage, as well as sports injury coverage.


If you get hospitalized for more than a month due to injury, illness, or medical repatriation, the University will cover the cost of your tuition while you’re away. You are also able to get reimbursed if your sponsor or immediate family member passes away during a period of study interruption.


Many travel insurances offer a slight premium refund in case of early return. If you end your trip and haven’t made any claims, the insurer will deduct money from the premium refund you’re entitled to.



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