What is Student Travel Insurance? Why do you need one? 

What is Student Travel Insurance Why do you need one

Student travel insurance provides coverage to students traveling for academic purposes. These plans are designed to protect students from unfortunate events, including medical emergencies, COVID-19 treatment, medical evacuations, repatriation, hospital visits, trip-related risks, and more that can occur while travelling. 

Depending on the policy, it may also provide benefits such as mental health, pregnancy, acute onset of pre-existing conditions, and other add-on benefits. Student travel insurance can be bought by students going abroad for studies or going on a study trip inside the US. There are plenty of plans offered by us, Nriol.net. You can check our site and find a suitable one. 

So, why do you need a student travel insurance plan? 

1. To protect you from medical emergencies. 

Insurance coverage for medical emergencies refers to the benefits and protection provided by an insurance policy when an unexpected medical emergency occurs. In case you become severely ill or have a fatal accident, you need to be taken to the hospital. Medical expenses can be exorbitantly high, which is unaffordable for many. 

Students travelling to and in the US for studies may go bankrupt if they start paying for medical expenses from their pockets. This is when you need a student travel insurance plan. The plan covers you up to the chosen policy maximum so that you do not worry about paying the bills for hospitals, urgent care, doctor’s visits., lab and diagnostic tests, surgeries, and prescription drugs. 

2. To cover you against travel-related adversities. 

Trip cancellation, trip interruption, trip delays, rental car and theft coverage, lost or delayed baggage, loss of passport and personal belongings, and other travel-related risks can occur anytime. If you are not lucky abroad, you may face huge monetary loss, followed by stress and anxiety. To avoid these circumstances, you can buy a student travel insurance plan and keep yourself protected. 

You can use trip cancellation coverage to protect your non-refundable trip costs in case you must cancel the trip for a covered reason as mentioned in the policy. Trip interruption insurance provides coverage if you need to cut your trip short due to unforeseen circumstances, such as a family emergency or a natural disaster. Your plan can help reimburse you for the costs of returning home early and any non-refundable insured costs of your trip that were unused. 

Lost or delayed baggage insurance provides coverage if your luggage is lost, stolen, or delayed during your trip. Your plan can reimburse you for the cost of replacing necessary items and can provide coverage for the cost of temporary items or as stated in the policy. 

3. To utilize coverage for emergency services. 

Emergency local ambulance, medical evacuation, emergency reunion, interfacility ambulance transfer, political evacuation, and repatriation, and return of mortal remains are some emergency services that you may need coverage for. There can be events where you need an emergency local ambulance to take you to the nearest qualified medical facility, which can cost you thousands of dollars. 

When you have a student travel insurance plan, you can utilize the emergency service coverage and get yourself financially covered. In case you need to be transferred to your home country, you can utilize repatriation coverage. However, not all plans will offer the same emergency services coverage. Check the brochure to understand the schedule of benefits. 

4. To get yourself covered for mental disorders. 

Student travel insurance plans offer mental and psychological disorders coverage so that students can visit a psychiatrist if they go through any kind of mental trouble. The plan can cover you for medical treatment, doctor’s visits, drugs, and follow-ups. There can be limitations, which you can find in the plan’s document. 

Being away from your family and support system can be challenging for students, and they can face severe panic and anxiety while living in an unfamiliar land. Hence, these plans can act as your support. Some plans can also provide virtual counseling and therapy. 

5. To get coverage for dental pain. 

Typically, the policies cover dental pain or traumatic injury to a sound natural tooth. The policies do not cover dental issues that you already have been worked on, or you are taking medications for it. For instance, if you lose a sound natural tooth or need dental surgery for an accident, the policy may cover it. 

Apart from these abovementioned points, there are endless reasons why you need a student travel insurance plan abroad. The plans can also help you with additional benefits such as travel assistance services, emergency medical referrals, and translation services. As the schedule of benefits and coverage differ in each plan, reviewing the brochure is recommended. Choose a policy that meets your travel and medical needs so that you are financially protected in an unknown destination. For more queries and concerns, get in touch with us.