Travelner

Student travel insurance for Europe

Share post on
May 08, 2024 (UTC +04:00)

Planning and preparing to study in Europe? Let Travelner Insurance guide you through understanding student travel insurance for Europe. Discover if it's compulsory, what it covers, and why you should buy it before studying abroad in Europe. Additionally, if you're wondering about the differences between travel insurance and health insurance, this article will explain it all for you

Understanding student travel insurance for Europe with Travel Insurance

Understanding student travel insurance for Europe with Travel Insurance

1. Is student travel insurance for Europe compulsory? 

No, student travel insurance for Europe is not always compulsory, but it is highly recommended. While some European countries may not have specific requirements for student travel insurance, many educational institutions and visa programs may mandate it as a condition of enrollment or visa approval. Even if it's not mandatory, having travel insurance provides financial protection and peace of mind in case of medical emergencies, trip cancellations, or other unforeseen events during your stay abroad. Therefore, it's wise to check the requirements of your educational institution or visa program and consider purchasing student travel insurance regardless of compulsion.

2. What conditions must student travel insurance meet when applying for a visa to Europe?

The conditions for suitable student travel insurance to apply for a visa to Europe can vary depending on the specific country you're applying to and the type of visa you're seeking. However, there are some general requirements that student travel insurance typically needs to meet for visa application purposes in Europe:

  • Schengen Coverage: If you're applying for a Schengen visa to visit countries in the Schengen Area, your student travel insurance policy should provide coverage for the entire duration of your stay in the Schengen Zone. The coverage should be valid in all Schengen countries and meet the minimum requirements set by the Schengen visa guidelines.
  • Minimum Coverage Amount: The student travel insurance policy should have a minimum coverage amount of at least €30,000 (or equivalent in the local currency) for medical expenses, including emergency medical treatment, hospitalization, and repatriation of remains.

When applying for a visa to Europe, student travel insurance needs to meet certain conditions.

When applying for a visa to Europe, student travel insurance needs to meet certain conditions.

  • Validity Period: The policy should cover the entire duration of your intended stay in the Schengen Area, including any planned extensions or additional travel within the Schengen Zone. It should also be valid from the day of entry into the Schengen Area until the day of departure.
  • Coverage for Emergency Medical Evacuation: The insurance policy should include coverage for emergency medical evacuation to your home country or a nearby medical facility in case of serious illness or injury that requires specialized treatment.

It's essential to carefully review the visa application guidelines provided by the consulate or embassy of the European country you're applying to and ensure that your student travel insurance policy meets all the necessary requirements. Failure to comply with these requirements could result in visa application rejection.

3. What types of study abroad insurance Europe students can get?  

When it comes to study abroad insurance in Europe, there are typically two main categories to consider: travel medical insurance and international health insurance.

 

Travel medical insurance Europe 

International student health insurance Europe

Purpose

Travel medical insurance provides coverage for medical emergencies and related expenses while you're traveling abroad. It's designed to protect you against unforeseen medical issues that may arise during your trip.

International health insurance provides more comprehensive coverage for healthcare needs beyond just emergencies. It's designed to offer broader coverage for routine medical care, preventive services, and ongoing healthcare needs.

Coverage

This type of insurance typically includes benefits such as coverage for doctor visits, hospitalization, emergency medical treatment, prescription medications, and emergency medical evacuation.

In addition to covering medical emergencies, international health insurance may include benefits such as coverage for routine doctor visits, specialist consultations, diagnostic tests, prescription medications, and chronic condition management.

Duration

Travel medical insurance is usually purchased for a specific duration, such as the duration of your trip or study abroad program.

International health insurance policies can be purchased for longer periods, making them suitable for students studying abroad for extended periods or those planning to travel frequently within Europe.

Scope

It's suitable for short-term stays and offers basic medical coverage for accidents and illnesses that occur while you're away from your home country.

This type of insurance offers comprehensive healthcare coverage and may include additional benefits such as dental care, vision care, mental health services, and maternity care, depending on the policy.

When choosing between travel medical insurance and international health insurance for studying abroad in Europe, consider factors such as the duration of your stay, your healthcare needs, budget, and any specific requirements set by your educational institution or visa regulations. Additionally, review the coverage details, limitations, and exclusions of each type of insurance policy to ensure it meets your specific needs and provides adequate protection during your study abroad experience in Europe.

4. Explore International student insurance Europe

When exploring international student insurance options in Europe, one notable choice for students studying abroad or participating in cultural exchange programs is the Patriot Exchange Program offered by Patriot Travel Medical Insurance. Here’re the key benefits of this plan: 

Patriot Exchange ProgramSM

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 48 months

3

Subject

Be an active participant in a study or exchange program (i.e. student visa, exchange visa, visitor visa), the spouse of the participant, or a dependent traveling with the participant

4

Sumary

Medical insurance for students studying abroad or participants of cultural exchange programs

 

Most plan options are designed to meet the U.S. J1 and J2 visa travel insurance requirements

HIGHLIGHTS

 

Maximum Limit

5,000,000

Medical Expenses

In-Network: 90%

Out-of-Network: 80%

International: 100%

Covid-19 Medical Expenses

Covered and treated as any other Sickness

Student Health Center

Copayment per visit: $5

Emergency Medical Evacuation

$50,000 maximum limit

Emergency Reunion

Up to US$ 15,000 for a max of 15 days

Incidental Trip

Maximum 14days

 

In-Network: 90%

Out-of-Network: 80%

International: 100%

24-Hour Accidental Death and Dismemberment

US$ 25,000

5. How to buy student travel insurance for europe from Travelner Insurance 

To buy student travel insurance for Europe from Travelner Insurance, follow these steps:

  • Visit the Website: Start by visiting the Travelner Insurance website. You can easily find it by searching for "Travelner Insurance" in your preferred search engine.
  • Navigate to Student Travel Insurance: Once on the website, navigate to the section that offers student travel insurance.
  • Get a Quote: Use the online quote tool provided on the website to get an estimate for your student travel insurance. You'll likely need to enter details such as your age, trip duration, and any specific coverage preferences.
  • Review Coverage Options: After receiving your quote, carefully review the coverage options available. Pay attention to the benefits included, coverage limits, exclusions, and any optional add-ons that may be offered.
  • Fill Out Application Form: If you're satisfied with the coverage and pricing, proceed to fill out the online application form. You'll need to provide personal information such as your name, contact details, travel dates, and possibly some health-related information.
  • Make Payment: Once you've completed the application form, you'll typically be prompted to make a payment for the insurance policy. Travelner Insurance may offer various payment methods, such as credit/debit card or online bank transfer.

Buy Europe travel insurance from Travelner Insurance and travel with confidence

Buy Europe travel insurance from Travelner Insurance and travel with confidence

  • Receive Confirmation: After making the payment, you should receive a confirmation email or documentation from Travelner Insurance confirming your coverage details and policy information. Keep this documentation safe, as you may need it for reference during your trip.
  • Contact Customer Service (Optional): If you have any questions or encounter any issues while purchasing the insurance policy, don't hesitate to contact Travelner Insurance's customer service team for assistance. 

By following these steps, you can easily purchase student travel insurance for Europe from Travelner Insurance and ensure you have comprehensive coverage for your upcoming trip.

6. Conclusion

In conclusion, student travel insurance for Europe is an essential investment for international students embarking on academic journeys or participating in cultural exchange programs abroad. While it may not always be compulsory, having adequate insurance coverage provides peace of mind and financial protection against unforeseen events such as medical emergencies, trip cancellations, or loss of belongings. By choosing Travelner Insurance and selecting a policy that meets your specific needs and budget, you can enjoy your study abroad experience in Europe with confidence. 

Remember to carefully review the coverage details, exclusions, and policy terms before making a purchase. With the right student travel insurance in place, you can focus on making the most of your educational and cultural experiences while exploring the diverse landscapes and rich heritage of Europe.