How to get cheap student travel insurance?

For students traveling or studying abroad, having travel insurance is essential. At Travelner Insurance, we understand the need to optimize costs. In this article, let's explore the types of travel insurance students can choose, discover discounts available for students, and learn how to find cheap student travel insurance options.

Learn how to find cheap student travel insurance with our guide

1. What type of travel insurance can a student get? 

Students can choose from various types of travel insurance depending on their needs and purposes of the trip. Here are some types of insurance that students should know:

1.1 Based on duration: Single trip travel insurance vs. Annual travel insurance

If students plan to take short-term trips such as a semester abroad, a holiday vacation, or a short-term study program, single trip insurance is a suitable option. Single trip travel insurance provides coverage for the duration of a specific journey, including benefits like medical expenses, trip cancellation, baggage loss, and emergency assistance services. Moreover, students can customize their coverage based on the length of their trip and the activities they plan to engage in.

For students planning multiple trips within a year, choosing annual travel insurance makes more sense in terms of cost-effectiveness. With annual travel insurance, students only need to purchase insurance once per year and can undertake multiple trips including educational trips, vacations, family visits, etc. They can enjoy benefits such as medical coverage, trip cancellation, trip interruption, baggage protection, and emergency assistance services for all their travels throughout the year.

Annual travel insurance is suitable with students planning multiple trips within a year

1.2 Based on coverage: Travel medical insurance vs. Travel health insurance

Travel medical insurance focuses on covering emergency medical expenses that may arise during the trip. The benefits may include doctor visits, hospitalization, emergency medical evacuation, repatriation of remains, and emergency dental treatment. Therefore, this type of insurance is well-suited for students taking short-term trips.

For students going on long-term study abroad programs, lasting from 3 months to 1 year or more, travel health insurance is more suitable. Firstly, travel health insurance helps meet student visa requirements. Secondly, travel health insurance replaces the need for health insurance while the student is abroad. In addition to emergency medical expenses, travel health insurance also covers other necessary medical costs such as maternity care, mental health treatment, visits to student health centers, participation in organized sports, etc. 

For students going on long-term study abroad programs, travel health insurance is more suitable

2. Is travel insurance cheaper for students? 

You can answer this question by considering factors affecting insurance prices such as: age, trip duration,... 

• Age: The older you are, the higher the insurance cost. Therefore, travel insurance may be cheaper for students because they are younger.
• Trip duration: Longer trips mean higher insurance costs due to increased risks. So, if students take short trips, the price is lower. However, if they go abroad for studies or exchange programs lasting from 3 months to 1 year, insurance fees will be higher. 
• Pre-existing conditions: Insurance covering pre-existing conditions usually results in higher costs. So, students with fewer risks of pre-existing conditions may not need this feature, and they can enjoy lower expenses.

3. How to get cheap travel insurance? 

Securing affordable travel insurance without compromising on coverage is a priority for many students. Here are some strategies to help students find cheap travel insurance:

• Compare Quotes: Shop around and obtain quotes from multiple insurance providers. Websites and comparison platforms allow students to compare prices, coverage options, and policy features to find the best value for their budget.
• Consider Annual Plans: For students planning multiple trips within a year, opting for an annual travel insurance plan may be more cost-effective than purchasing separate policies for each trip. Annual plans offer continuous coverage for all trips taken during the policy period, providing convenience and potential savings.
• Opt for Basic Coverage: Assess your travel insurance needs and opt for a basic coverage plan that includes essential benefits such as medical expenses, trip cancellation, and baggage loss. Avoid unnecessary add-ons and extra features that may inflate premiums.

Opt for a basic coverage plan if you want to reduce costs.

• Look for Discounts: Many insurance providers offer discounts and promotional deals, especially for students. Explore student discounts, special offers, and loyalty programs to secure cheaper insurance rates.
• Travel Off-Peak: Consider traveling during off-peak seasons or avoiding peak travel times to reduce insurance costs. Traveling during less busy periods may result in lower premiums due to decreased demand for travel insurance.
• Maintain Good Health: Health factors can influence insurance premiums. Students can lower their insurance costs by maintaining good health, avoiding risky behaviors, and staying up-to-date with vaccinations and preventive healthcare measures.
• Review Deductibles and Coverage Limits: Adjusting deductibles and coverage limits can affect insurance premiums. Students should carefully review their policy options and consider higher deductibles or lower coverage limits to reduce premiums while still maintaining adequate protection.

By implementing these strategies and conducting thorough research, students can find affordable travel insurance options that provide peace of mind and financial protection during their travels.

4. Explore student discount on travel insurance from Travelner Insurance 

At Travelner Insurance, we understand the importance of making travel insurance accessible and affordable for students. That's why we offer exclusive discounts tailored specifically for students. When students purchase travel insurance from Travelner Insurance, they can enjoy the following discounts:

• Group Discounts: Students traveling in groups, such as on school trips, study abroad programs, or group vacations, may qualify for additional group discounts from Travelner Insurance.

• Seasonal and Holiday Discounts: Throughout the year, Travelner Insurance introduces seasonal and holiday discounts to provide additional savings for students. Whether it's a summer vacation, New Year's trip, or Christmas getaway, students purchasing travel insurance during specific seasons or holidays can enjoy discounted rates. These seasonal promotions allow students to make the most of their travels while enjoying affordable and comprehensive insurance coverage from Travelner Insurance.

5. Cheap travel insurance international 

If you're a student seeking cheap student travel insurance options, Travelner Insurance offers several plans that may be suitable for you. Many of our insurance plans cater specifically to students, providing affordable coverage without compromising on quality. Here're student travel insurance that Travelner Insurance highly recommend: 

5.1 Patriot Exchange Program

The Patriot Exchange Program is designed for individuals actively participating in a study or exchange program, including those holding student visas, exchange visas, visitor visas, as well as spouses or dependents accompanying the participant. This specialized insurance plan offers comprehensive medical coverage for students studying abroad or participating in cultural exchange programs, ensuring they meet the travel insurance requirements of U.S. J1 and J2 visas. Key features of the Patriot Exchange Program include:

5.2 Student Health Advantage

If you're a full-time student or scholar, the spouse of a full-time student or scholar, or a dependent traveling with them, the Student Health Advantage plan is the ideal option for you. This comprehensive insurance plan offers extensive medical coverage for international students or scholars participating in sponsored study abroad programs. Designed to meet student visa requirements, the Student Health Advantage plan includes a range of benefits to ensure the well-being of participants during their time abroad. Key features of the Student Health Advantage plan include:

6. Conclusion

In conclusion, travel insurance is crucial for students while abroad. When searching for cheap student travel insurance, prioritize plans that offer coverage to protect you in case of emergencies. Travelner Insurance hopes this article has provided helpful tips for selecting the best option. If you have any questions about student travel insurance, feel free to contact us. Our consultants are available 24/7 to provide personalized assistance and support at all times.