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Student travel insurance
Whether you’re going on a quick getaway to take your mind off your studies, spending a term at a foreign university, or travelling the world on post-finals extravaganza, InsureandGo will have a student savvy insurance policy for you.
What is student travel insurance?
Students often want a policy that is as cheap as possible, but these can sometimes be a false economy if they don’t cover what you need them to.
Our Budget policy is designed with travellers such as students in mind, being cheap but still covering the essentials – so you won’t get caught out. We also offer a very competitive backpackers policy, so from short city breaks to activity-packed adventures, we’ll have you covered.
What does student travel insurance cover?
All of our student travel insurance policies include:
- Cover for cancellation of your trip
- Over 50 sports and activities covered as standard (see policy wording for a full list)
- Emergency dental treatment
- Personal belongings and baggage cover
- Personal money, passports and travel documents cover
- Accommodation cover
- Legal expenses cover
The excess and cover limits will vary depending on the policy chosen. Find out more in our policy wordings. Cover for additional activities, or any particularly valuable belongings, can be added to your travel insurance policy, making sure you’re covered for your specific needs.
What are you covered for with student travel insurance?
Depending on the type of trip you’re planning, we can cover a wide range of possibilities. Unless you’re a very mature student, our single trip Budget policy will cover you for up to 365 days (31 days if you’re over 65), while our backpacker policy is great if you’re going away for up to 18 months – more than enough for most student getaways.
Both policies include medical expenses cover, insurance for your luggage, and cover for an extensive list of over 50 different activities – so you can enjoy whatever your destination has to offer.
What else is included in student travel insurance?
If you’re planning on spending a semester or two abroad for your studies, the policy you choose could depend on how long you plan on being away for. For example, our backpacker policy can pause cover for a trip home so you don’t have to take out two separate policies.
Our backpacker policies also include cover for student loan payments – if you make a successful personal accident claim, we’ll help cover loan repayments you miss through being unable to return to work. See our policy wording for full details.
Does my student travel insurance cover adventurous sports?
Yes! For many students, joining the college or university sports team can be one of the top priorities when studying abroad. With our travel insurance policies we cover over 50 adventurous sports and activities as standard so you’re free to have fun knowing you’re covered should something unfortunate occur.
If you happen to be an adrenaline junkie and plan on taking part in an activity not covered as standard, additional extreme sports cover can be added to any of our policies. This covers you if you’re planning on skydiving, rock climbing, swimming with sharks and many other extreme sports.
Take a look at our policy wording for full details of the cover provided.
We consider all conditions
If you have a pre-existing medical condition, you don't need to worry - you can declare them online quickly and easily.
Student travel insurance with medical conditions
We’ll consider covering any diagnosed medical condition you might be travelling with – just let us know before you go! Our Budget policies don’t offer medical screening, so if you do have a condition just choose Silver, Gold or Black (or any backpacker policy) and answer a few simple questions. We can cover many medical conditions at no extra cost, but for others there may be an additional premium to pay.
What to pack for your student trip
We all end up forgetting something when we’re packing last minute, be it your toothbrush, underwear or some other unmentionables. Here are a few items that are frequently forgotten, but a godsend to have in your bag:
- The ever-important travel plug
You do not want your phone, tablet, iPod, e-reader, or other electrical essentials going dead!You may need to contact someone in an emergency, but more importantly you’ll need something to keep you entertained during those long flights (or those long nights when your travelling companions’ snoring just will not quit).
- Waterproof bags
It doesn’t have to be anything more than a supermarket carrier bag (really, it doesn’t), but putting your toiletries and liquids inside a plastic bag can make all the difference. Especially if your bag takes a bump getting on or off the plane – nobody wants to open their luggage to find a suntan lotion explosion.
Remember painkillers, tummy-settlers, and any other medication you might need. Nothing ruins a party or even a hike more than a sudden, untreatable headache. Taking a mini first aid pack could save your day or night out. Include bits like plasters, paracetamol and protection (insect repellent or otherwise).
- Somewhere clever to put emergency cash
Unfortunately, young people can often be an easy target for crime. Whether you’ve fallen asleep on a beach in Magaluf, or simply let your guard down backpacking, having a secret pocket or hidden compartment in your clothing or shoes could be the one thing that gets you back to safety.