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Comprehensive guide when buying overseas student travel insurance

Comprehensive guide when buying overseas student travel insurance

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May 08, 2024 (UTC +04:00)

Purchasing overseas student travel insurance is an essential step in ensuring a safe and worry-free study abroad experience. In this article, Travelner Insurance will help you understand what overseas student travel insurance is, what it covers, and explore some plans that are suitable for you.

Explore useful guide to buy overseas student travel insurance

Explore useful guide to buy overseas student travel insurance

1. What is overseas student travel insurance?

Overseas student travel insurance is a type of insurance designed to provide comprehensive coverage for students traveling abroad for educational purposes. It offers protection against various unforeseen events that students may encounter during their time overseas, including medical emergencies, trip cancellations, trip interruptions, trip delay, loss baggage, and more.

2. What does travel insurance for students studying overseas cover?

Overseas student travel insurance typically offers coverage tailored to the specific needs of students studying abroad. Here are some key benefits this insurance provide:

Medical Expenses: Overseas student travel insurance covers medical expenses incurred due to illness or injury while abroad. This includes doctor's visits, hospitalization, prescription medications, and emergency medical treatments.
Emergency Medical Evacuation: In the event of a serious medical emergency where adequate treatment is unavailable locally, travel insurance for students studying overseas provides coverage for emergency medical evacuation to the nearest suitable medical facility or repatriation to the student's home country.
Trip Cancellation or Interruption: If a student's trip is canceled or interrupted due to unforeseen circumstances such as illness, injury, or death of a family member, travel insurance reimburses prepaid and non-refundable trip expenses, including airfare, accommodations,...

Travel insurance can help If a student's trip is canceled or interrupted

Travel insurance can help If a student's trip is canceled or interrupted

Loss of Baggage: Overseas student travel insurance offers coverage for lost, stolen, or damaged baggage and personal belongings during the trip. This includes reimbursement for the value of lost items and expenses incurred due to delayed baggage delivery.
Personal Liability: In the unfortunate event that a student causes injury to a third party or damages someone's property while abroad, travel insurance provides coverage for legal expenses and compensation for damages claimed against the insured student.

3. Why is overseas student travel insurance important?

Travel insurance for students studying overseas is crucial for several reasons:

Medical Protection: Traveling to a foreign country exposes students to unfamiliar environments and potential health risks. Overseas student travel insurance ensures that students have access to necessary medical care without worrying about exorbitant medical expenses, ensuring their health and well-being during their time abroad.
Financial Security: Unexpected events such as trip cancellations, interruptions, or loss of baggage can result in significant financial losses for students. Travel insurance offers financial protection by reimbursing prepaid and non-refundable trip expenses, covering medical expenses, and compensating for lost or damaged belongings, providing students with peace of mind and financial security

Travel insurance provides students with peace of mind and financial security.

Travel insurance provides students with peace of mind and financial security.

Peace of Mind: Studying abroad is a unique opportunity for personal growth and cultural exchange. Having overseas student travel insurance gives students peace of mind knowing that they are protected against unforeseen events and emergencies, allowing them to fully immerse themselves in their academic pursuits and cultural experiences without worrying about what might happen in case of an emergency.

In summary, overseas student travel insurance is a vital investment for students studying abroad, offering comprehensive coverage, financial protection, and peace of mind throughout their educational journey overseas. It ensures that students can focus on their studies and cultural experiences without worrying about the potential risks and challenges of international travel.

4. Types of overseas student travel insurance you can get

When it comes to student travel insurance, there are several types available to cater to different needs and circumstances. Here are the main types:

Annual Travel Insurance:
Annual travel insurance, also known as multi-trip insurance, is designed for students who plan to travel frequently throughout the year. This type of insurance provides coverage for multiple trips within a specified period, typically one year. It offers convenience and cost-effectiveness for students who travel frequently for educational purposes or leisure activities. Annual travel insurance typically includes benefits such as medical coverage, trip cancellation, baggage loss, and emergency assistance.

Travel Medical Insurance:
Travel medical insurance is specifically tailored to provide coverage for medical expenses incurred during travel. It is essential for students studying abroad as it ensures access to necessary medical care in case of illness or injury while away from home. Travel medical insurance typically covers expenses such as doctor's visits, hospitalization, prescription medications, emergency medical evacuation, and repatriation. It offers peace of mind to students knowing that they are protected against unexpected medical costs while pursuing their studies overseas.

Travel medical insurance is specifically tailored to provide coverage for medical expenses

Travel medical insurance is specifically tailored to provide coverage for medical expenses

International Health Insurance:
International health insurance provides comprehensive medical coverage for students studying abroad for an extended period, such as a semester or academic year. It offers a wide range of benefits, including hospitalization, outpatient care, prescription drugs, preventive services, and emergency medical evacuation. International health insurance is designed to meet the specific healthcare needs of students living and studying in a foreign country. It ensures access to quality healthcare services and financial protection against high medical expenses, giving students peace of mind during their time abroad.

Each type of student travel insurance offers distinct benefits and coverage options, allowing students to choose the policy that best suits their individual needs and circumstances. Whether it's annual travel insurance for frequent travelers, travel medical insurance for basic medical coverage, or international health insurance for comprehensive healthcare protection, students can find the right insurance solution to ensure a safe and enjoyable experience while studying abroad.

5. Explore overseas medical insurance for students

When it comes to ensuring comprehensive medical coverage for students studying abroad, one notable option to consider is the Patriot Travel Series. This series of insurance plans is specifically designed to meet the unique healthcare needs of students traveling internationally for educational purposes.

Patriot Travel Series
1	Age	14 days to 99 years
2	Period of coverage	5 days to 12 months
4	Sumary	Each plan within the Patriot Travel Series provides various levels of coverage for individuals, families, and groups who need temporary medical insurance while traveling for business or pleasure anywhere outside of their home country.

HIGHLIGHTS
	Patriot Lite Travel Medical InsuranceSM	Patriot Platinum Travel Medical InsuranceSM
Maximum Limit	Up to $1,000,000	Up to $8,000,000
Medical Expenses	Up to the maximum limit	Up to the maximum limit
Covid-19 Medical Expenses	Covered and treated as any other Sickness	Covered and treated as any other Sickness
Emergency Medical Evacuation	$1,000,000	Up to the maximum limit
Emergency Reunion	$100,000 maximum limit	$100,000 maximum limit
Identity Theft	$500 maximum limit	$500 maximum limit
Lost Luggage	$500 maximum limit, $50 per item	$500 maximum limit, $50 per item
Personal Liability	$25,000 combined maximum limit	$25,000 combined maximum limit
Return Travel	$10,000 maximum limit	$10,000 maximum limit
24-Hour Accidental Death and Dismemberment	$50,000 principal sum	$50,000 principal sum

6. Explore overseas health insurance for students

For students seeking health insurance coverage while studying abroad, one exceptional option to consider is the Student Health Advantage plan. This comprehensive insurance plan is specifically tailored to meet the healthcare needs of students pursuing their education in foreign countries.

Student Health AdvantageSM
1	Age	be at least 31 days out but not yet 65 years old
2	Period of coverage	1 month up to 12 months - renewable up to 60 months
3	Subject	Be a full-time student or scholar, the spouse of the full-time student or scholar, or a dependent traveling with the full-time student or scholar
4	Sumary	Comprehensive medical insurance for international students or scholars participating in a sponsored study abroad program This plan meets student visa requirements, includes benefits for maternity, mental health, organized sports and international emergency care.

HIGHLIGHTS
	Student Health AdvantageSM	Student Health AdvantageSM Platinum
Maximum Limit	Student: $500,000; Dependent: $100,000	Student: $1,000,000 & Dependent: $100,000
Medical Expenses	In-Network: 90% Out-of-Network: 80% International: 100%	In-Network: 90% Out-of-Network: 80% International: 100%
Covid-19 Medical Expenses	Covered and treated as any other Sickness	Covered and treated as any other Sickness
Emergency Medical Evacuation	$500,000 maximum limit	$500,000 maximum limit
Emergency Reunion	$50,000 maximum limit	$50,000 maximum limit
Student Health Center	Copayment per visit: $5	Copayment per visit: $5
Mental/ nervous	Maximum Limit: $10,000	Maximum Limit: $10,000
Intercollegiate/Interscholastic/Intramural or Club Sports	Period of Coverage Limit per illness or injury: $5,000	Period of Coverage Limit per illness or injury: $5,000
Maternity	x	Maximum Limit: $5,000
Personal Liability	Combined Maximum Limit: $10,000	Combined Maximum Limit: $10,000
Incidental Trip	Maximum 14days In-Network: 90% Out-of-Network: 80% International: 100%	Maximum 14days In-Network: 90% Out-of-Network: 80% International: 100%
24-Hour Accidental Death and Dismemberment	US$ 25,000	US$ 25,000

7. Buy overseas student travel insurance from Travelner Insurance

To purchase overseas student travel insurance from Travelner Insurance, follow these simple steps:

Visit the Travelner Insurance Website: Go to the official website of Travelner Insurance using your web browser.
Navigate to the Student Travel Insurance Section: Look for the section specifically dedicated to student travel insurance on the Travelner Insurance website.
Choose the Desired Plan: Browse through the different insurance plans offered by Travelner Insurance and select the one that best fits your needs and budget. Consider factors such as coverage limits, benefits, and premium costs.
Enter Your Personal Information: Once you've chosen a plan, you'll need to provide some basic personal information to complete the enrollment process. This may include your name, date of birth, contact information, and travel details.
Review the Policy Details: Take the time to carefully review the policy details, including coverage benefits, exclusions, and terms and conditions. Make sure you understand what is covered under the policy and any limitations that may apply.

Carefully review the policy details before get travel insurance

Carefully review the policy details before get travel insurance

Make Payment: After reviewing the policy details and confirming your information, proceed to make the payment for your chosen insurance plan. Travelner Insurance may offer various payment options, such as credit card, debit card, or online bank transfer.
Receive Confirmation: Once your payment has been processed successfully, you will receive a confirmation email or electronic document containing your policy details and proof of insurance. Make sure to keep this document safe and accessible during your travels.
Contact Customer Service (Optional): If you have any questions or need assistance with your overseas student travel insurance purchase, don't hesitate to contact Travelner Insurance's customer service team for support. They will be happy to assist you with any inquiries you may have.

By following these steps, you can easily purchase overseas student travel insurance from Travelner Insurance and ensure that you're adequately protected during your study abroad experience. Safe travels!

8. Conclusion

In summary, overseas student travel insurance provides students with the security and support they need to fully immerse themselves in their study abroad adventure. It offers peace of mind, financial security, and access to essential services, ensuring that students can make the most of their educational journey abroad without compromising on their health and safety.

Don't wait until it's too late! Ensure a worry-free study abroad experience by purchasing travel insurance for students studying overseas now. Explore your options from Travelner Insurance’s website and choose the plan that's right for you. Get protected and make the most of your time studying abroad!