The Best Travel Insurance for Student Travel
Choosing an insurance for student travel depends on numerous factors, including whether the student is traveling with a group — such as a school group — or alone or with friends. Basic coverage will include emergency medical and evacuation, trip cancellation and interruption, and baggage loss and delay.
But fine print defines what’s coverable as it does with all policies. And some student policies have special coverages such as emergency reunion with a family member and bail bonding.
Access to Help
For students and their parents, access to help when you need it is possibly the most crucial aspect of travel insurance. A policy for a student should include 24-hour assistance from a live person who speaks English.
Some policies that include this provision include Student Guard from Travel Guard, Travel Insure’s comprehensive student policy and Atlas International. Some policies also pay, under certain emergency circumstances, for a parent or other relative to fly to join the student.
This coverage is called “emergency reunion,” and “Good Neighbor” website lists several travel insurance policies that offer it.
Special Student Coverage
Both Travel Guard and Travel Insured offer pre-trip assistance with things such as passport and vaccination information and contact information at embassies. Both offer emergency cash advances. Travel Insured offers eyeglass replacement.
Student Guard by Travel Guard offers translation and interpretation services and emergency message relay to the student’s family. It also offers legal referral information and bail bonding.
Depending on where your student is going and what he might do, you might want to consider extra coverages that often come as riders on your basic policy. If your student might engage in sports activities, you probably want to get a sports rider since many insurance policies won’t cover injuries incurred in such activities.
Other possible coverages include terrorism coverage and political evacuation coverage. You might want to look into rental car insurance since domestic insurers seldom cover rental cars abroad, but many will not cover drivers under 25. Make sure your student knows what’s covered.
Generally speaking, travel insurance costs between four and 10 percent of the cost of the trip, including transportation, hotels and other tickets and not including food. The more expensive plans generally cover more.
They might have lower or no deductibles. They might cover more extensive medical care. They might provide primary insurance instead of secondary insurance, meaning they will pay if anything happens rather than seeking payment from your primary insurance providers before they fork out any money.
When it comes to student travel, the more comprehensive plans probably will provide the most peace of mind. You can check prices and coverage at Squaremouth.