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You’ve secured a flight and hotel, scheduled every activity you’ll partake in while you’re in town, and are all set to fly and pursue your studies abroad. But have you purchased travel insurance? Why not, if not? In that case, why do you require it? Here are five reasons why international students who are studying abroad require travel insurance.
1. Why do you need travel insurance?
I once went on a trip with 80 classmates, and none of us had travel insurance. When they were in Europe, a select few ended up needing medical attention, and their bills ranged from $40,000 to $60,000. This is not intended to scare you into buying travel insurance, but to serve as a reminder that emergencies can happen at any time and any place (for example, you could get food poisoning while studying abroad).
Without both travel and domestic health insurance, you run the risk of accruing significant medical expenses in addition to paying for your trip and school. So be sure to purchase travel insurance if you’re going abroad! even if you believe it to be needless
In fact, even if you believe it is unneeded, doing so will guarantee there are no unpleasant surprises if something does go wrong! There are numerous travel insurance providers, but the majority have relatively similar plans, so compare them all until you find one that fits your needs at an affordable price. Also keep in mind that not all policies cover all countries, so verify before you buy!
2. Types of travel insurance policies
There are numerous different types of travel insurance policies from which to choose when making your purchase. Do you also want medical coverage, for instance? What about protection against travel delay or trip cancellation?
Do you require coverage for missing luggage or travel delays brought on by civil unrest? It’s crucial to comprehend all of your selections and select the one that suits your needs the most.
Following are some popular forms of travel insurance: Emergency Medical Coverage: If required, it will pay for the costs of emergency care while traveling abroad, including any necessary air ambulance transportation.
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Trip Cancellation/Interruption: Offers payment in the event that you have to cut short or cancel your trip due to unforeseeable events outside of your control (like sudden illness). reimburses costs associated with more than 12-hour travel delays brought on by events beyond your control (like bad weather). Lost Baggage/Delayed Luggage: Pays for necessities like clothing and toiletries that aren’t covered by typical baggage-loss compensation programs.
3. What does student travel insurance cover?
The majority of us have heard at least one horror story about students who travel and need medical care only to discover that their health insurance does not extend outside of their native country. When studying abroad, you should think about getting travel insurance even if you have health insurance at home because it can offer far more coverage than simply medical. The majority of standard policies normally do not cover cancellations, lost bags, or stolen property; however, travel insurance does.
Having travel insurance for your vacation ensures that everything will go according to plan and that you are insured for more than just your physical health. Travel insurance is not something it’s worth taking a chance on.
Before you leave, cover yourself with student travel insurance to avoid having to foot high medical fees when you return from your trip. Passing up travel insurance could be expensive. Many students believe that they do not need travel insurance if they already have access to health care at home. While having a policy in place is undoubtedly crucial, even a small amount of coverage—say, a few hundred dollars—could end up saving you thousands of dollars should an accident happen while you’re travelling abroad. If you were to fall on some ice in France and break your arm, the cost of the ambulance transport to the hospital would be several hundred euros!
4. How much does it cost?
The price of travel insurance varies according on your needs and the length of your trip. There are two primary types of insurance: annual travel and single trip (unlimited duration) (90-day limit). The latter is more expensive, but it might work for students visiting their home nations over the summer. Make careful to thoroughly review your policy before you depart because there are no hard and fast rules on what is covered what. You could be surprised at what is covered! Theft, loss, or damage to luggage, as well as medical costs, emergency help, and personal liability, are typically covered by travel insurance.
If you have to cancel a flight because of illness, it might also pay the cancellation expenses. Don’t panic if you haven’t arranged for travel insurance yet; you may do it at any moment before departing for your vacation. However, it’s important to confirm that your current health insurance will cover you while you’re away from home.
Many policies won’t, so it’s important to double-check. Finally, keep in mind that travel insurance cannot take the place of a traditional emergency fund. Travel insurance does its best to protect against situations like cancelled flights or lost luggage, but it cannot reimburse you for expenses like hotel stays when there are unanticipated delays. Be sure to keep enough cash on hand for instances like these, especially if you’re going on an adventure in a developing nation where there might not be many ATMs available.
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5. Purchase travel insurance with no or few medical questions.
Being ready for everything is always a good idea, and traveling abroad is no different when it comes to insurance. Since many foreign nations don’t have rules governing international students, you might not be covered by your travel insurance if you become sick or hurt while studying abroad.
Customers can get travel insurance from companies that must offer policies with a medical questionnaire that asks 0 or fewer questions; these plans will cover you wherever you chose to study abroad, regardless of the currency rate. A 24/7 contact with insurance can, in some circumstances, mean the difference between life and death, so it’s worth looking into before your travel.
What transpires, for instance, if you find yourself in a foreign country’s emergency room? Since you’ll likely be thousands of miles away from home, your local health plan won’t be much help, so look into travel insurance UK providers that require no medical history. You might save hundreds of dollars in medical expenses if you do this. Before your travel, it’s absolutely worth checking out! According to studies, most people overestimate their life expectancy (they think they’ll live longer than average), but few are aware of the potential financial risks.
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