travel insurance for a student

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Studying abroad? Here are the best international student travel insurance companies

Travel insurance can not only save students money when studying abroad, but many schools also require it..

Studying abroad is a valuable educational and cultural experience and could give you an advantage in the job market after graduation. Buying travel insurance is a way to protect yourself financially while studying abroad. 

Many international programs require travel insurance , and some offer it through a predetermined provider. But if you're on the hunt for a comprehensive travel insurance plan on your own, CNBC Select has made it a little easier. We compared dozens of top travel insurance companies for students and narrowed down the five best options that stood out for their strong coverage and affordability . (See our methodology for more information.)

Best student travel insurance

• Best for affordability: AXA Assistance USA Travel Insurance
• Best for medical expenses: USI Affinity Travel Insurance
• Best for trip interruptions: Travel Guard Travel Insurance
• Best for customizable coverage: Allianz Travel Insurance
• Best for students on a budget: Berkshire Hathaway Travel Protection

Best for affordability

Axa assistance usa travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

AXA Assistance USA offers several travel insurance policies that include travel interruption, trip cancellation, and the option of cancel for any reason (CFAR) coverage.

24/7 assistance available

• Three tiers of plans available
• Highly rated for financial strength
• Cancel for any reason only available on highest-tier coverage

AXA Assistance USA 's most basic plan, the Silver Plan, includes all of the essentials a student will likely need while studying abroad: coverage for emergency medical expenses (up to $25,000 for accident or sickness and up to $100,000 for evacuation), baggage loss (up to $750) trip interruption and trip cancellation. 

It's budget-friendly as well and is one of the most affordable yet comprehensive travel insurance plans on the market. If you're interested in higher coverage limits, AXA offers two more premium plans, one of which includes a cancel for any reason (CFAR) option. 

[ Jump to more details ]

Best for medical expenses

Usi affinity travel insurance.

USI Affinity has travel medical policies in addition to trip cancellation policies. Travel medical plans include an option for frequent travelers to cover multiple trips. Trip cancellation options include coverage for road trips and group travel.

• Wide variety of plans for both trip cancellation coverage and travel medical insurance
• CFAR only covers up to 70% of non-refundable trip costs

USI Affinity is a good choice for students primarily concerned about potential medical expenses abroad. The company offers only one trip cancellation plan but offers a wide variety of travel medical plans tailored to specific situations.

Best for trip interruptions

Travel guard® travel insurance.

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

• A variety of plans are available to help cover different types of trips
• Not all products are available for purchase online

Students who are concerned about trip interruptions should consider Travel Guard , which offers last-minute coverage. There are three base packages available online, with more options available through a representative. Its most basic plan includes typical coverage for travel medical expenses (up to $15,000 in medical expenses and $150,000 for evacuation), but robust coverage for trip cancellation, trip interruption, baggage theft as well as per-day compensation for trip delays.

Best for customizable coverage

Allianz travel insurance.

10 travel insurance plans make it possible to customize your coverage. For families, Allianz's OneTrip Prime package covers children age 17 and younger when traveling with a parent or grandparent.

• Trip cancellation benefits can reimburse your prepaid, nonrefundable trip payments if you have to cancel your trip for one of the covered reasons stated in your plan documents. 
• Limited coverage for risky sports

Allianz offers a whopping 10 different travel insurance policies. While many premium insurers offer cancel for any reason coverage that can cover up to 75% of prepaid, non-refundable trip costs, Allianz's Cancel Anytime upgrade can reimburse up to 80% of your prepaid, nonrefundable trip payments if you have to cancel your trip for one of the covered reasons stated in your plan documents. If you're planning to be adventurous during your study abroad experience, Allianz has a variety of add-ons to cover rental cars, hazardous sports and more. 

Best for students on a budget

Berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

• Wide variety of policies available
• Strong financial strength rating by AM Best
• Cancel for any reason only provides reimbursement for up to 50% of non-refundable trip payments

Berkshire Hathaway Travel Protection is a strong choice for students on a tight budget looking for strong coverage. Its most basic plan (the ExactCare Value plan) earned one of the cheapest quotes reviewed by CNBC Select and includes moderate-limit coverage for everything a student might need while studying internationally. 

More on our top travel insurance for studying abroad

AXA's travel insurance offers medical coverage for emergencies and accidents while traveling for up to $250,000. It offers three different plans for travelers starting as low as $16 according to its website.

CFAR coverage available

24/7 assistance?  

[ Return to summary ]

USI Affinity offers a number of travel plans, including travel medical plans for those traveling outside of the U.S. Its InterMedical Insurance plan has three levels of medical coverage available ranging from $50,000 to $150,000, and starts at $1.35 per day, according to the company's website.

Travel Guard Travel Insurance

Travel Guard's travel insurance could be a fit for students studying abroad with three levels of coverage. Its travel medical expense coverage can go up to $100,000 with the brand's deluxe plan.

Allianz offers several types of travel insurance for students, including its OneTrip Emergency Medical Plan with up to $50,000 in emergency medical benefits and $250,000 in evacuation benefits. Its OneTrip Prime and Premier plans offer cancellation and trip interruption benefits on top of emergency medical benefits up to $50,000.

Berkshire Hathaway Travel Insurance

Berkshire Hathaway Travel Protection offers several travel insurance plans that could be a fit for student travelers, including its ExactCare Value and ExactCare plans, offering both trip cancellation and interruption coverage in addition to medical coverage.

What does travel insurance cover for studying abroad? 

Medical expenses and emergency evacuation.

Stan Sandberg, a co-founder of the online marketplace TravelInsurance.com , said medical coverage is the most important area of coverage for students studying abroad. 

Most travel insurance plans, regardless of whether they are designed for students, cover medical expenses incurred abroad. Medical expense coverage can help to cover injuries or illnesses you may incur while abroad. Emergency evacuation coverage generally includes transportation to the nearest adequate facility or transportation home.

Travel medical coverage can exclude some situations that are relevant for students studying abroad — namely, intoxication. "If the individual is either beyond a certain intoxication level or under the influence of illegal substances, those things are very often excluded from coverage," Sandberg said. "So, a student traveling to a country that doesn't have a drinking age, for instance, that would be something to keep in mind."

Because of cultural alienation and homesickness, studying abroad can be an emotionally difficult time for many students. If you are shopping for student travel insurance, you should consider searching for a plan that covers mental health services. Read your travel policy carefully to understand the coverage offered and any requirements for coverage.

If medical expenses are the only cost you wish to insure, then you might instead consider an international health plan, which Sandberg recommends for students on a budget . 

Trip cancellation and interruption 

If your circumstances change at the last minute, you'll be grateful to have a travel insurance plan with trip cancellation coverage, which will reimburse you for your non-refundable trip costs, like flights and hotels , for covered events. 

This coverage will not, however, cover any non-refundable costs of your study abroad program, such as tuition, room and board, which are likely to be much more expensive than the flights to and from. So to Sandberg, this coverage is slightly less important for students.

Travel assistance

It's possible that studying abroad will be a student's first time out of the country. Traveling internationally , especially in areas with a language barrier, can be confusing. Many travel insurance plans, and all five policies we chose as our top picks , offer a 24/7 helpline to assist you along your journey. 

Lost or stolen baggage

Along with travel assistance, baggage loss and baggage delay coverage are examples of post-departure benefits. Study abroad programs typically last an entire semester or a summer, so you'll likely pack a lot of luggage. 

If you're traveling with valuables, you should consider searching for a plan that includes baggage insurance. Sandberg recommends reading the fine print, though, as many plans exclude electronic items in luggage and items above a certain value. 

And of course, make sure any policy is worth your money and aligns with your coverage goals before purchasing it. Many travel insurance policies offer free look periods that include time to read over the policy and cancel coverage with a refund.

What is travel insurance for studying abroad? 

For students and adults alike, travel insurance is a flexible type of coverage designed to protect you when you're far from home. By purchasing a policy, you can prevent financial hardship related to international medical expenses or travel mishaps like interruptions, delays and lost luggage. Some premium travel insurance plans offer cancel for any reason (CFAR) coverage, which allows you to recoup some of your expenses should you cancel your trip for any reason.

Is travel insurance worth it for studying abroad?

Travel insurance is a wise investment for travelers who will be abroad for a while, including students studying abroad. Most domestic medical plans do not cover international hospital bills, so in case of an emergency, having travel insurance with medical expense coverage could be crucial.

How much does travel insurance cost for students studying abroad?  

Travel insurance costs vary depending on the length of the trip, the age of the travelers and the extent of the coverage. You can expect to pay around 4% to 10% of your trip's total cost, according to travel insurance comparison site InsureMyTrip . Keep in mind though that your trip's "total cost" does not include the cost of your study abroad program itself. Most travel insurance companies are only interested in the cost of flights and non-program lodging like hotels. The best way to estimate the cost of insuring your trip is to get quotes from multiple companies.

What is international health insurance?

International health insurance is a health coverage plan that covers your medical expenses anywhere in the world. An international health insurance plan provides very similar medical coverage to that provided by a travel insurance plan.

Do I need travel insurance if my credit card has it already?

Some of the best travel credit cards on the market provide some travel protection. For example, the  Chase Sapphire Reserve®  card offers trip cancellation and interruption insurance up to $10,000 per covered person up to $20,000 per trip, travel accident insurance, emergency evacuation insurance and coverage for baggage delays and loss. Ask your issuer if your card has any travel protection benefits. If not, or if the coverage is minimal, you should consider purchasing travel insurance from a third party.

Bottom line

Not only is it a smart idea to purchase travel insurance to study abroad, but it is also required by a lot of international programs. With travel insurance, students can worry less about the unexpected and make the most of their experience abroad. If your academic program does not have a pre-existing partnership with a certain provider, then consider using one of these top travel insurance companies for students. 

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Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every travel insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best cheap travel insurance.

Our methodology 

To determine the best travel insurance companies for students studying abroad, CNBC Select analyzed dozens of U.S. travel insurance companies that come with a wide variety of policies and offer coverage for a number of situations. 

When narrowing down the best travel insurance companies, we focused on the coverage available, including the number of plans available, 24/7 assistance availability and cancel for any reason (CFAR) coverage availability. We also considered financial strength ratings from AM Best and Better Business Bureau ratings for customer satisfaction.

To consider costs, we gathered quotes from the top travel insurance companies for four sample trips, which included:

1. A semester-long (January 15 to June 15) study-abroad trip to the United Kingdom:

• $3,000 per person (flights to and from JFK and non-program hotels)
• New York residents
• Traveler aged 20

2. A summer (June 15-August 15) study-abroad trip to Italy:

• $2,000 per person (flights to and from JFK and non-program hotels)

Sample quotes assumed that payments were made on the date of quoting.

Note that the premiums and policy structures advertised for travel insurance companies are subject to fluctuate in accordance with the company's policies.

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The Best Student Travel Insurance: How To Choose, Tips, and Policies [2024]

Jessica Merritt

Editor & Content Contributor

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Table of Contents

The 5 best travel insurance policies for students, is travel insurance for students worth it, student travel insurance costs, what student travel insurance covers, how to get student travel insurance, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our  Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Whether you’re planning to study abroad, backpacking through continents, or just going on a quick adventure, student travel can be both exciting and nerve-wracking. If you’re an inexperienced traveler or have family members at home who need some reassurance, you could benefit from the security that student travel insurance provides, whether it’s financial support or a 24/7 travel assistance hotline.

Let’s explore your options in student travel insurance, from trip cancellation and medical insurance to what you need to know about finding the best prices and coverage.

The best student travel insurance might be cheaper than you think. Students can get affordable travel insurance coverage for trip cancellations, emergency medical benefits, and more. We’ve run the numbers to get policy quotes based on age, benefits, and trip length so you can get an idea of what to expect from travel insurance for students.

Consider these student travel insurance policies:

‌Best Cheap Student Travel Insurance: Battleface

Student travelers on a budget likely want extensive coverage at a low price.

Travel insurance is often cheap for students, considering companies usually offer good rates for young adult travelers. The Battleface Discovery Plan has limited benefits but comes in strong where it really counts, with $100,000 in emergency medical coverage and $500,000 for emergency medical evacuation benefits. Trip cancellation coverage is available for up to your full trip cost, but there is no trip interruption benefit.

We were quoted $33.41 for this plan for a 19-year-old visiting Mexico.

‌Best Student Travel Insurance for International Students: IMG

International students traveling to the U.S. may be limited in choices with trip cancellation and interruption coverage, but medical coverage is often generous. The IMG Patriot America Platinum policy has no benefits for trip cancellation and just $10,000 for trip interruption, but it offers $2 million each for emergency medical and emergency evacuation benefits.

This $2 million in coverage was quoted to us for just $25.76 for a 20-year-old student visiting the U.S. from China.

‌Best Student Travel Insurance for Medical Coverage: John Hancock Insurance Agency

Medical coverage is key when traveling far from home, and the John Hancock Insurance Agency Silver plan offers good emergency medical benefits. This plan provides $500,000 in medical evacuation coverage and $100,000 in primary emergency medical benefits. While primary coverage costs more, it’s also more helpful because you don’t have to go through any other insurance coverage before it kicks in. This plan also offers up to 100% reimbursement for trip cancellation and 150% for trip interruption.

We got a quote on this plan for $68 for an 18-year-old visiting Germany.

Best Student Travel Insurance for Exchange Students: Berkshire Hathaway

Travel insurance for longer, more costly student travel, such as exchange programs, is more expensive than what you’d get for a week or 2 abroad. Still, the Berkshire Hathaway Travel Protection ExactCare Value plan offers a reasonable rate for up to 100% trip cancellation and interruption insurance, $15,000 in secondary emergency medical benefits, and $150,000 in emergency medical evacuation coverage.

Our quote for a 17-year-old on a 6-month exchange program in the U.K. was $189.

Best Student Travel Insurance for COVID-19: Aegis

Concerns about COVID-19 can interfere with your travel plans, whether you get sick before your trip or pick it up along the way. Most travel insurance policies include COVID-19 in trip cancellation and interruption coverage as well as emergency medical benefits, and the Aegis Go Ready Choice plan is no exception. You can get up to 100% reimbursement for trip cancellation or 150% for trip interruption with COVID-19 as a covered reason. You’ll also get $50,000 in secondary emergency medical coverage, including COVID-19, and $250,000 in emergency medical evacuation.

We got a quote for $35 to cover a 21-year-old visiting China.

Travel insurance is often worth it, especially if you can’t afford to lose your nonrefundable travel expenses or you’re traveling internationally. As young travelers, students in particular may find having a 24/7 assistance hotline helpful. If it’s your first time traveling abroad, knowing that assistance is just a phone call away can be reassuring.

Student travelers may run into issues such as language barriers, not understanding cultural norms, getting sick from food, or overdoing it with alcohol. You may get support for these challenges from a student travel insurance policy.

Traveling to a country where you’re old enough to drink? Be careful not to overdo it, and check your travel insurance coverage. Some emergency medical benefits limit or exclude coverage for medical care related to intoxication or drug use.

Students who have saved up to be able to take a trip may be concerned about losing nonrefundable trip costs. If your bookings aren’t refundable and you’re not willing to risk your travel investment, travel insurance can give you some reassurance. Travel insurance policies offering trip cancellation or interruption coverage will reimburse you if you need to cancel or cut short your travel due to covered circumstances. That way, you can get your money back and take your trip later.

Health coverage is also a major reason why students might choose to get travel insurance. You shouldn’t expect your U.S.-based health insurance to cover medical treatment when traveling abroad. Most travel insurance policies offer emergency medical benefits that can help you get the medical care you need without worrying about how you’re going to pay for it. Student visa holders may be required to hold health insurance.

Emergency medical evacuation coverage can help you get medical care if your destination doesn’t have adequate medical facilities to treat you. This coverage can save you money — and potentially your life — with 6-figure benefits available to connect you with care.

While cancellation and medical coverage are the most important benefits you can get from student travel insurance, you may find additional benefits helpful. Some travel insurance policies offer coverage for financial default, which is when your tour operator goes out of business. You may also be covered if you’re laid off from work and need to cancel for financial reasons. Canceled flights, lost bags, and missed connections may also be covered, so you can get reimbursement if you have to deal with these travel mishaps.

Another benefit that may make student travel insurance worthwhile is a 24/7 travel assistance hotline . A travel assistance hotline can help you with travel needs, from destination information to emergency cash, roadside assistance, or getting local medical care. In an emergency, the hotline can help keep loved ones updated at home, offering reassurance and peace of mind to family members who might be anxious about your safety while you travel.

Some international study programs require travel insurance. Make sure your policy meets the requirements, or consider purchasing from the program’s recommended provider.

Generally, student travel insurance costs about 5% to 10% of your total trip cost if you’re purchasing a comprehensive plan. Limited plans like those just for trip cancellation or medical coverage may cost less. 

If you’re taking a $2,000 trip, that 5% to 10% breaks down to about $100 to $200, though your rates may be less as a young traveler. Comprehensive travel insurance policies usually include trip cancellation and interruption coverage, emergency medical benefits, and emergency medical evacuation — in addition to roadside assistance and a travel assistance hotline.

While you can generally expect to pay between 5% and 10% of your trip cost, how much student travel insurance costs depends on factors influencing your policy quote. These include:

• Coverage options you choose
• How long your trip is
• How much your trip costs
• How old you are
• Policy deductibles and limits
• Where you’re going
• Additional benefits, such as Cancel for Any Reason (CFAR)

Get more information on what you can expect to pay for student travel insurance in our guide to the average cost of travel insurance .

Though each coverage plan may vary, most comprehensive student travel insurance includes these benefits:

• Emergency Medical: Your insurance can pay for emergency medical treatment whether you get sick with a virus, break a leg, or need serious medical care.
• Emergency Evacuation: If you need serious medical care that’s not available at your destination, your travel insurance may offer coverage that can evacuate you to a medical facility that can care for you appropriately.
• Trip Cancellation: If you cancel your trip for covered reasons, such as severe illness or a natural disaster, you can get 100% reimbursement for your nonrefundable travel costs. However, keep in mind that this coverage typically won’t cover refunds for educational programs, such as deposits you’ve made for tuition or room and board.
• Trip Interruption: Similar to trip cancellation, trip interruption may offer 100% or 150% reimbursement for nonrefundable travel costs if you need to cut your trip short due to covered reasons.
• 24/7 Travel Assistance Hotline: You can call or chat with your travel insurance company’s assistance hotline to get help with travel needs, such as replacing lost credit cards or identification, finding a medical facility, or keeping your family updated in an emergency.
• Travel Delay: Your travel insurance coverage may offer benefits if your travel is delayed significantly, such as a flight that’s several hours late. Missed connection benefits may also be available.
• Baggage Delay or Loss: With this coverage, you can get reimbursed for lost baggage or for items you needed to buy while your baggage was delayed.
• Rental Car Damage: If you’re renting a car and have this coverage, you can decline the rental car company’s insurance and use your travel insurance coverage for damages instead.

Some of the expenses your student travel insurance may cover include plane tickets, hotel bookings, prepaid car rentals, tour tickets, meals, clothing, toiletries, and medical costs.

Read the details of your travel insurance policy’s medical benefits. Coverage details you may want to confirm include emergency contraceptives, COVID-19 testing and treatment, mental health care, and intoxication-related incidents.

Many travel insurance policies include coverage for COVID-19. Look for COVID-19 coverage in trip cancellation and interruption benefits as well as in emergency medical and evacuation benefits.

Types of Student Travel Insurance

Comprehensive travel insurance policies are a common choice for students, but you can generally customize your travel insurance coverage to fit your needs. Some policies allow you to just get emergency medical coverage or opt for trip cancellation only. 

Additional coverage options may allow you to add CFAR coverage, allowing you to cancel your trip for any reason — not just the covered reasons in your standard coverage. With CFAR, you won’t get full reimbursement, but you’ll generally get 50% to 75% reimbursement, depending on the policy you choose. 

Some student travel insurance policies may offer additional coverage for adventure sports . For example, suppose you’d like to do some rock climbing, sky diving, or bungee jumping on your trip. In that case, most student travel insurance policies won’t cover those activities unless you add adventure sports coverage .

If you’re taking a gap year, participating in a student exchange program, or otherwise taking an extended trip as a student, you may want to consider an annual travel insurance policy . With an annual travel insurance policy, you can get insured for all of the trips you take within the covered year, whether you’re doing long trips or multiple short ones.

What To Look for in a Student Travel Insurance Policy

Although student travel insurance policies frequently offer many of the same coverage types, there are variables that should influence which policy you choose. These factors can change how much you pay, how much coverage you get, and ultimately, the experience you have if you need to use your student travel insurance. 

Consider these factors as you compare student travel insurance plans:

• Cost: Students on a tight budget may primarily consider cost. You can find the best deal on student travel insurance by getting multiple quotes from insurance companies. Just be sure to compare coverage, too, as the cheapest student travel insurance policy may not have all the benefits you need.
• Benefits: Look at the list of benefits and coverage to see what’s included, such as emergency medical treatment and evacuation, trip cancellation, and baggage delay. If you want CFAR or adventure sports coverage, confirm it’s available.
• Deductibles and Limits: You’ll find the most variables in how much a student travel insurance policy covers. For example, a policy may only offer $50,000 in secondary emergency medical insurance, but you might want a policy that offers $100,000 or more in primary emergency medical coverage.
• Exclusions: Understand what’s included and what’s not. Some policies may allow you to cancel your trip and receive reimbursement if you have work or school commitments you can’t get out of, but that’s not the case for all, so you should read the fine print.
• Requirements and Details: Details such as how long your travel has to be delayed before you can get trip delay benefits or how close to your trip you can cancel and still get a refund.
• Eligibility: Some student travel insurance policies may have restrictions on ages, destinations, trip duration, and other criteria that make you or your trip ineligible for coverage.
• Company Reviews and Ratings: Before you purchase your student travel insurance policy, consider what other customers have to say. Look for expert and customer ratings and read reviews to get an idea of the experience you can expect from the travel insurance company you’re purchasing coverage from.

If you’re traveling on a student visa, such as an F-1, J-1, or J-2 visa, you may have health insurance requirements. Check your coverage to make sure the student travel insurance policy you’re considering will offer the health insurance benefits you need. 

Travel insurance policies may exclude competitive sports, so check each policy’s fine print to make sure any sports activities you’ve planned are covered. For example, if you’re traveling for a collegiate sports activity.

There are a few ways to get student travel insurance: at booking, with your student travel program, or independently by shopping directly with travel insurance companies.

Getting Insurance With a Student Program

If you’re planning to travel with a student exchange program or on a student group trip, the organizer or travel agent may offer travel insurance policies you can purchase when you plan your travel. The benefit of going this route is you can get coverage from a travel insurance company that the program trusts, and it may offer the right coverage for the trip you’re planning.

Getting Insurance at the Time of Booking

Even when you’re booking travel on your own, you may get offers for travel insurance. Some airlines and hotels offer travel insurance at checkout. Online travel agencies (OTAs) such as Expedia and Booking.com typically offer travel insurance when you make a booking.

Purchasing the travel insurance policies offered to you from your travel program or at booking may make sense, but it’s still a good idea to compare these policies with other options. Consider student travel insurance you can get directly from a travel insurance company.

Getting Insurance After Booking

If you’re shopping on your own for travel insurance companies , you can visit travel insurance company websites to get quotes. If you want to save some time, you can use a travel comparison website such as Squaremouth that can give you quotes for policies from travel insurance companies that meet your search criteria.

In any case, it’s best to purchase student travel insurance shortly after booking. You can make the most of your coverage if you buy travel insurance within 2 weeks of making your first trip payment.

You may have travel insurance from a credit card , such as the Chase Sapphire Preferred ® Card . Look carefully at your card’s travel protection benefits to consider whether it’s enough to cover your needs for an upcoming trip. If your card coverage isn’t enough, see where a student travel insurance policy can fill in the gaps.

Traveling as a student can be a thrilling experience, though not without risks. If you want to travel more confidently and quell anxieties, student travel insurance might be just the ticket. You can get covered for medical care, travel assistance, cancellations, and even evacuation if you need it. Just be sure to shop around to find the best coverage at a good price to meet your student travel needs.

Frequently Asked Questions

What does student travel insurance cover.

Actual coverage depends on the plan you select, but student travel insurance generally covers emergency medical treatment and evacuation, trip cancellation and interruption, travel delays, baggage delay or loss, rental car damage, and 24/7 travel assistance.

Do international students need health insurance in the U.S.?

If you have a J-1 or J-2 visa, the U.S. Department of State requires that you have medical insurance for the length of your program. However, the U.S. government doesn’t require F-1 visa holders to have medical insurance. Still, universities may require international students to carry health insurance regardless of visa requirements. Even if you’re not required by the government or educational programs to carry medical insurance, it’s still a good idea because medical care in the U.S. can be very costly without insurance coverage.

What type of travel insurance do college students need?

Most college students will find a comprehensive travel insurance policy adequate for their needs. This type of coverage offers a broad array of benefits ranging from trip cancellation to emergency medical care.

Do I need health insurance to study abroad?

It’s likely you’ll need health insurance to study abroad. Your host country, study abroad program, or school may require it. Even if health insurance isn’t required, you should consider getting medical coverage so you can get the care you need if an emergency pops up while you’re overseas.

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About Jessica Merritt

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

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Student Travel Insurance Benefits

Study-abroad and student travel programs are an incredible opportunity for young people to experience the wide world. But as any chaperone can tell you, there's always one student who misses the plane, loses their passport or ends up in the hospital after eating bad pineapple. What will you do if it's your son or daughter?

Three Things You Need To Know Before Buying Student Travel Insurance

School travel coordinators will do their best to help, but what you really need is a student travel insurance  policy that includes emergency medical services coverage and trip cancellation coverage . Whether your student is embarking on domestic travel or a long international vacation , you need to get student travel insurance first. Here are the three reasons why.

1. Student travelers take more risks.

Sometimes, the thrill of studying abroad erases young travelers' good judgment. They may leave their bag on the beach while snorkeling, only to find someone has stolen their passport. Or they may sprain an ankle while learning to dance the Merengue. It's all part of the adventure - and it's okay, as long as they have student travel insurance.

Look for a student policy that includes things like medical coverage, trip interruption coverage, emergency medical evacuation coverage, 24/7 travel assistance services and more.

2. In an emergency, student travel insurance may provide valuable guidance.

For student travelers who have never left home before, traveling overseas can be scary because they don't know what to do in an emergency. That's when a student travel insurance policy with access to a 24-hour hotline can help. No matter where students are in the world, a multilingual specialist can offer guidance for all kinds of problems, from tracking down lost baggage to getting emergency medical care.

3. Student travel insurance gives you peace of mind.

It's hard enough to wave goodbye to your daughter before she boards an international flight for the first time. Do you really want to be worrying about her every minute she's overseas? A student travel insurance policy lets you know she's covered in case the unexpected happens. Look for a policy that offers coverage for illness, accidents, lost baggage, missed flights, theft or other international emergencies. Make sure you review your insurance plan carefully before you buy, because not all plans offer the same coverage.

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Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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International Student Insurance

International student medical insurance is designed to provide key coverage that full-time students may need while studying abroad.

WorldTrips’ student medical insurance plans offer:

• Four Plan Levels – Compare plans to ensure you meet your school or visa requirements and budget
• Flexible Payments – Choose monthly payments or pay in full and save
• Travel Assistance – Get 24/7 multilingual emergency assistance
• Ease of Use – Your policy documents will be emailed immediately upon purchase, and you can manage your plan via our online Member Portal

Why Do You Need International Student Insurance?

Easy. In many cases, it’s required.

• Your visa may require student medical insurance. StudentSecure meets or exceeds most visa requirements (including the J-1 visa ). You’ll get a visa letter you can use as proof of coverage.
• Your program or school may require student medical insurance. StudentSecure meets the requirements of many universities. Opting out of school-sponsored coverage? We can send a completed waiver form to you and your school.
• Your regular health insurance may not cover you for unexpected injury or illness abroad. And very few plans pay for medical evacuation .

Why WorldTrips?

Who is insuring you is just as important as the insurance plan you choose. For the past 25 years, WorldTrips has provided travel insurance and compassionate service to help our customers travel fearlessly. Our knowledgeable customer representatives are available 24/7 to respond to your travel emergencies, no matter the situation, time zone, or spoken language.

“Of the top eight travel insurance companies in our review, WorldTrips’ underwriting company is the only one to have an A++ (Superior) financial strength rating from AM Best.”

Explore Our International Student Insurance Plans

WorldTrips’ international student medical insurance plans are called StudentSecure. Choose from four StudentSecure plans to get the right coverage at the right price for you. StudentSecure Provides:

• Benefits for unexpected injury and illness
• Recreational sports and activities coverage
• Some mental health coverage
• Travel assistance services

Select a plan to see coverage highlights:

Overall Maximum: $200,000

Maximum Per Injury or Illness: $100,000

Deductible Per Injury or Illness: $0

• Meets J-1 Visa Requirements
• Unexpected Injury and Illness
• Some Mental Health Coverage
• Recreational Sports and Activities
• No Pre-Existing Condition Coverage

Overall Maximum: $500,000

Maximum Per Injury or Illness: $250,000

• Pre-Existing Condition Coverage After 12 Months

Overall Maximum: $1,000,000

Maximum Per Injury or Illness: $500,000

• Pre-Existing Condition Coverage After 6 Months

Overall Maximum: $5,000,000

I Need Medical Evacuation and Repatriation Coverage for My Visa

Many international students already have insurance for their time abroad but need evacuation and repatriation coverage to meet their school or visa requirements. These students choose Atlas MedEvac insurance . This supplemental plan can provide the coverage you need without the added benefits and cost.

You’re eligible for Atlas MedEvac if you’re a non-U.S. citizen traveling to the U.S. or anywhere else outside of your home country.

Here’s what you’ll get:

• Lifetime Maximum – $75,000
• Deductible – $0
• Emergency Medical Evacuation – Up to $50,000
• Repatriation of Remains – Up to $25,000
• Local Burial or Cremation – Up to $5,000

FAQs: WorldTrips’ International Student Insurance Plans

How Do I Register for a Member Portal Account?

1. Visit Member Portal at  https://worldtrips.my.site.com/MemberPortal . 2. Under “Continue Sign In” click “First-time user? Register for an account.”

3. On the Register page, enter the email address you wish to use to sign into your account. This email does not need to match the email address associated with your policy. Enter your policy number and select whether or not you are the insured or the insured’s legal guardian. Enter the insured’s first and last name as entered on the policy. (You can see how the insured’s name was entered on your ID card and fulfillment documents that were sent to you upon purchase.) Enter the insured’s date of birth. Then choose a password. Follow the password instructions noted on the page.

Read and agree to the terms and conditions by checking the box. Then click the “Continue” button.

  4. You will be taken to the Sign In page. Enter the email address and password you used to register your account and click “Sign In.”

5. To add an additional layer of security when signing into your account, you will be prompted to choose your preferred multifactor authentication method.

Options Include: a.  Okta Verify  - Click "Setup" if you wish to use a push notification sent to the mobile app

b.  SMS Authentication*  - Click "Setup" if you wish to enter a single-use code that is sent to your mobile phone

c.  Voice Call Authentication*  - Click "Setup" if you wish to follow voice instructions via  phone

d.  Security Question  - Click "Setup" if you wish to answer a security question

  * Please be sure to use a method which you will have continual access to on your travels. Do not use phone numbers that will not work outside of your current service area.

  6. Follow the setup instructions of your chosen multifactor authentication method. Then click “Finish.”

  7. On the resulting page, choose a "Forgot Password" question. Make sure you select a question with only one correct answer that is easy to remember.

  Type the answer into the blank box below "Answer." You will need this answer to access your account if you ever forget your Member Portal password and need to reset it.

  You may also choose to add a phone number for resetting your password or unlocking your account using SMS text message or a voice call if you don’t have access to your email.

  Click "Create My Account."

How Do I Submit a Claim?

You must complete, sign, and submit a Claimant's Statement and Authorization form along with proof of claim (itemized bills, payment receipts, medical records, police reports, etc.) for every incident.

Filing a Claim on Behalf of Someone Else? If you are filing this claim on behalf of another person, you MUST fill out the section of the Claimant's Statement and Authorization form labeled "Supplement D - Authorization Form for Use and/or Disclosure of Protected Health Information " – also known as a HIPAA form. This section must be signed by the policyholder in order for us to speak with you regarding any of the policyholder's Protected Health Information (PHI). Without this signed form, we may only disclose to you the status of the claim.

You can complete and submit the Claimant's Statement and Authorization form along with supporting documents in one of the following ways:

- Via DocuSign within Member Portal (Most Efficient Approach)

1. Go to Member Portal (formerly Client Zone / Student Zone). 2. Log in to your account. If this is your first time using Member Portal, please click here to view instructions for registering your new account.

If you already have a Client Zone / Student Zone account, you do not need to register for a Member Portal account. Simply log in to Member Portal using your Client Zone / Student Zone login details.

3. Click "Claims and Appeals" in the main navigation menu. 4. Click “Submit New Claim Via DocuSign” button under the “Claimant’s Statement and Authorization Form” subheader in the “File a Claim” section and follow the instructions.

For more extensive step-by-step instructions, including screenshots, please see our “How to Submit a Claim” guide

Don’t Have Access to the Claims and Appeals Page? If you noted that you are not the insured or the insured’s legal guardian, you will see the Protected Health Information Authorization page in place of the Claims and Appeals page. Enter the insured’s email address and click “Send Request.” Once the insured has completed and submitted our HIPAA form, you will gain access to the Claims and Appeals page and have the ability to submit a claim within 3-5 days.

-By Mail 1. Download the Claimant's Statement and Authorization form . 2. Print, complete, and sign the form. Mail to: WorldTrips Claims Department PO Box 240358 Apple Valley, MN 55124 U.S.A. WorldTrips is also happy to fax, e-mail, or mail the form(s) to you upon request. Important Note for Students For eligibility purposes, you must submit the following along with a Claimant's Statement and Authorization form: - A copy of your education-related visa (F-1, J-1, OPT, etc.) or valid I-20/DS2019 - Proof of full-time student status (not necessary if submitting a valid F-1 visa including OPT, or J-1 visa)

Can I Submit a Claim on Behalf of Someone Else?

How Do I Submit the Authorization Form for Use and/or Disclosure of Protected Health Information (HIPPA Form) If I Did Not Complete This Section of the Claim Form?

If you have already submitted a claim on behalf of someone else and did not complete this section OR if WorldTrips has requested that you submit the Authorization Form for Use and/or Disclosure of Protected Health Information (HIPAA), you do not need to fill out another claim form. You can submit the HIPAA form separately in one of the following ways:

- Electronically via Member Portal

• Go to Member Portal .
• Log in to your account. If this is your first time using Member Portal, please click here to view instructions for registering your new account.
• Click "Claims and Appeals" in the main navigation menu.

If You See the Protected Health Information Authorization Page:

- Because you selected that you are not the insured or the insured's legal guardian upon registering for Member Portal, you do not yet have access to the Claims and Appeals page. - Under the "Protected Health Information Authorization" header, enter the insured's email address and click the "Send Request" button. - The insured will receive an email with a link to complete, sign, and submit the HIPPA form via DocuSign. You will gain access to the Claims and Appeals page and will be able to see the status of any pending claims within 3-5 days of the date the policyholder completed and submitted the form.

If You See the Claims and Appeals Page:

- Click the "Fill Out and Submit Via DocuSign" button under the "Authorization Form for Use and/or Disclosure of Protected Health Information (HIPPA)" subheader in the "File a Claim" section. - Enter the insured's name and an email address and click the "Begin Signing" button. - Click the yellow "Continue" button, fill out the form and the required information (as noted by the red boxes); have the policyholder sign the form, and click the yellow "Finish" button. - Clicking "Finish" submits the document and sends a PDF of your signed Authorization Form for Use and/or Disclosure of Protected Health Information to the email address entered. Download or print a copy of your completed form for your records. If you do not receive a confirmation email with your completed form attached within 24 hours, please contact WorldTrips to make sure your form was properly submitted.

• Download the Authorization Form for Use and/or Disclosure of Protected Health Information .
• Print, complete, and have the policyholder sign the form.
• Mail to: WorldTrips Claims Department PO Box 240358 Apple Valley, MN 55124 U.S.A.

When and How Will I Receive My Fulfillment Documents?

During the checkout process, you will have the option to receive your ID cards and other fulfillment documents by:

• Email only OR by
• Email and hard copy

If you select “Email only,” you will receive your ID cards and fulfillment documents by email as soon as your application has been processed and your credit card has been approved. This typically takes a few minutes or less.

If you select “Email and hard copy,” you will receive your ID cards and fulfillment documents by email as soon as your application has been processed and your credit card has been approved. You will also receive hard copies of your ID cards and fulfillment documents by mail to the address you entered on your application.

How Long Do I Have to File a Claim?

What If I Do Not Agree with a Claim's Denial?

There may be situations when you choose to appeal how a claim was processed. You may appeal your claim decision using one of the following methods:

- Submit the Claimant Appeal Request Form Via DocuSign within Member Portal:

• Sign into Member Portal . You will be presented with your Member Portal home page.
• Click “Claims and Appeals” in the main navigation menu at the top of the page. You will be presented with the Claims and Appeals page.
• Switch the toggle at the top of the page under the “Claims and Appeals” header from “Claims” to “Appeals.”
• To file an appeal via DocuSign, click the “Fill Out and Submit Via DocuSign” button under the “Claimant Appeal Request Form” subheader in the “File an Appeal” section.
• Enter your name and email address on the PowerForm Signer Information page and click the “Begin Signing” button.
• Click the yellow “Continue” button to the right.
• Fill in all the required information on the form (as indicated by the red text boxes) and sign everywhere a signature is required (as indicated by the yellow “Sign” boxes).
• Attach your supporting documents (medical records, receipts, itemized bills, etc.), if necessary, at the bottom righthand corner of the page via the yellow attachment boxes. If you have more than 3 attachments or exceed the 5MB attachment limit, see instructions for submitting additional documents here.
• When you are done, click the yellow “Finish” button at the bottom of the page. Clicking “Finish” submits your documents and sends a PDF of your signed Claimant Appeal Request Form to your email.
• Download or print a copy of your completed form for your records. If you do not receive a confirmation email with your completed form attached within 24 hours, please contact WorldTrips to make sure your form was properly submitted.

[CALLOUT] Want more detailed instructions including screenshots? See the “Claimant Appeal Request Form Submitted Via DocuSign within Member Portal (Most Efficient Approach)” section of our “How to Submit a Claim” guide. [ /END CALLOUT]

• Download the Claimant Appeal Request Form .
• Fill out the form and email it, along with additional documentation that supports your reasoning and position (medical records, receipts, itemized bills, etc.), to [email protected]. OR Mail the form and supporting documents to: WorldTrips Appeals PO Box 240358 Apple Valley, MN 55124 U.S.A

- Submit a Written Appeal Letter Via Email or Mail

• Write a letter of appeal following the appeal procedure instructions outlined in your policy documents/certificate of coverage.
• Email this written letter of appeal, along with additional documentation that supports your reasoning and position (medical records, receipts, etc.), to [email protected]. OR Mail the form and supporting documents to: WorldTrips Appeals PO Box 240358 Apple Valley, MN 55124 U.S.A

IMPORTANT! In order for our claims department to review the appeal, you must provide additional documentation or information to support a reversal of the denial. Please note that submission of the appeal will lead to re-evaluation of your claim but does not guarantee that the initial benefit determination will be altered.

Why Am I Receiving So Many Letters?

What Is Included in the Fulfillment Documents?

Your fulfillment documents will include:

Instructional Information

• How to seek medical treatment
• How to file a medical claim
• How to access  Member Portal  (our online self-service portal where members can manage their policies)
• How to contact WorldTrips

Declaration Page

• Link to the Description of Coverage for your policy
• Name, address, ID number, and citizenship of the insured
• Policy start and end dates and length of coverage
• Certain policy details including plan name, overall maximum limit, maximum per injury/illness, deductible, and any optional coverage elected
• Purchase date, payment type, and amount paid
• Name and address of plan administrator

Policyholder/Certificate Holder Notice

• Important notice about OFAC sanctions

European Union GDPR Data Protection Notice  (Note that you will only receive this notice if you are a citizen or resident of the European Union OR if you are a visitor traveling to the European Union)

• Information about our privacy policy
• How we use your personal and sensitive information and who we may disclose it to
• Information about your data protection rights
• How to opt out of marketing communications or withdraw your consent
• Name of insured(s)
• Certificate/policy number and effective date of coverage
• Instructions on how to file a claim
• Name and logo of PPO network
• Instructions on how to find a provider

Learn more about your ID card here .

How Do I Access My Visa Letter?

What Information Is Included in the Visa Letter?

How Does My Deductible Work?

Am I Eligible for an Atlas Travel Insurance Plan?

When Does My Atlas Travel Coverage Become Effective and When Does it End?

Your Atlas Travel insurance coverage becomes effective on the latest of: - the moment we receive your application and correct premium (if application and payment is made online or by fax) - 12:01 a.m. U.S. Eastern Time on the date we receive your application and payment (if application and payment are made by mail) - the moment you depart from your home country - 12:01 a.m. U.S. Eastern Time on the date you request on your application if the correct premium is received

Your coverage will end on the earliest of: - 11:59 p.m. Eastern Time on the last day of the period for which you have paid a premium - 11:59 p.m. Eastern Time on the date requested on your application - the moment of your arrival upon return to your home country (unless you have started a benefit period or are eligible for home country coverage)

Does the Atlas Travel Plan Provide Any Home Country Coverage?

Does the Atlas Travel Plan Include Any Coverage for Medical Expenses Related to COVID-19?

If You Purchased Your Atlas Travel Policy on Or After July 15, 2020: Your plan will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion. If You Purchased Your Atlas Travel Policy Before July 15, 2020: Your plan contains an applicable exclusion and will NOT cover medical expenses resulting from COVID-19/SARS-CoV-2. The full exclusion reads: Charges resulting from a disease outbreak in a country or location for which the U.S. Centers for Disease Control and Prevention (CDC) have issued a level 3 or higher travel warning are excluded if:

- the warning has been in effect within the 60 days immediately prior to your date of arrival, or - within 10 days following the date the warning was issued you have failed to depart the country or location. You can review the exclusions by reading through the "General Exclusions section of your Description of Coverage (DOC).

You will find your DOC in Member Portal . Sign in to the portal and click the box on the home page labeled "Description of Coverage." 

What Are Atlas International and Atlas America?

What Is Covered Under the Atlas Travel Insurance Plan?

Does the Atlas Travel Insurance Plan Provide Any Trip Cancellation Coverage?

Does the Atlas Travel Insurance Plan Meet Schengen Visa Requirements?

Can I Extend or Renew My Atlas Travel Insurance Coverage?

How Do I Extend My Atlas Travel Insurance Coverage?

Follow the below instructions to EXTEND your Atlas Travel medical insurance plan:

• Log into your Member Portal .
• On your Member Portal home page, click the box labeled "Extend or Renew My Policy" under the "How Can We Help You Today?" header.
• If you are eligible to extend your policy ad do not need to contact a broker or plan administrator in order to do so, you will see the "Extend Policy" page.
• Use the dropdown arrow to insert your new coverage end date and click "Next."
• Fill in your payment information.
• Review the Terms and Conditions and click the checkbox to acknowledge that you have read and accepted them.
• Click the "Submit" button to submit your extension request. Your coverage confirmation will be sent to the email address you entered.

How Do I Cancel My Atlas Travel Insurance Coverage?

Is My Group Eligible for an Atlas Group Travel Plan?

Does the Atlas Group Travel Insurance Plan Provide Any Home Country Coverage?

Does the Atlas Group Plan Include Any Coverage for Medical Expenses Related to COVID-19?

If You Purchased Your Atlas Group Policy on Or After July 15, 2020: Your plan will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

If You Purchased Your Atlas Group Policy Before July 15, 2020: Your plan contains an applicable exclusion and will NOT cover medical expenses resulting from COVID-19/SARS-CoV-2. The full exclusion reads: Charges resulting from a disease outbreak in a country or location for which the U.S. Centers for Disease Control and Prevention (CDC) have issued a level 3 or higher travel warning are excluded if:

- the warning has been in effect within the 60 days immediately prior to your date of arrival, or - within 10 days following the date the warning was issued you have failed to depart the country or location. You can review the exclusion by reading through the “General Exclusions” section of your Description of Coverage (DOC).

You will find your DOC in Member Portal . Sign in to the portal, click "Policy Information" in the navigation menu, and then click the box labeled "Description of Coverage."

What Are Atlas Group International and Atlas Group America?

Atlas Group policyholders who are U.S. citizens or non-U.S. citizens (and home country is not the United States) traveling outside of the U.S. will be covered under Atlas Group International, which provides coverage outside of the United States.

Atlas Group policyholders who are non-U.S. citizens traveling to the United States will be covered under Atlas Group America. (For the purpose of this American visitor insurance coverage, the United States also includes Puerto Rico and the U.S. Virgin Islands.)

The correct plan will be automatically selected for you when you purchase your Atlas Group plan, depending on whether your trip includes coverage for the U.S. (You will only be covered for the U.S. if you are a non-U.S. citizen, your home country is not the United States, and all or part of your travel includes the U.S.)

What Medical Expenses are Covered Under an Atlas Group Travel Plan?

Am I Eligible for an Atlas Nomads Insurance Plan?

When Does My Atlas Nomads Coverage Become Effective and When Does it End?

Your Atlas Nomads insurance coverage becomes effective on the latest of: - the moment we receive your application and correct premium (if application and payment is made online or by fax) - 12:01 a.m. U.S. Eastern Time on the date we receive your application and payment (if application and payment are made by mail) - the moment you depart from your home country - 12:01 a.m. U.S. Eastern Time on the date you request on your application if the correct premium is received

Your coverage will end on the earliest of: - 11:59 p.m. U.S. Eastern Time on the last day of the period for which you have paid a premium - 11:59 p.m. U.S. Eastern Time on the date requested on your application - the moment of your arrival upon return to your home country (unless you have started a benefit period or are eligible for home country coverage)

Does the Atlas Nomads Plan Provide Any Home Country Coverage?

Does the Atlas Nomads Plan Include Any Coverage for Medical Expenses Related to COVID-19?

What Is Covered Under the Atlas Nomads Insurance Plan?

Does the Atlas Nomads Insurance Plan Provide Any Trip Cancellation Coverage?

Atlas Nomads does not provide any reimbursement if you must cancel your trip prior to departure. However, it does include a Trip Interruption benefit if you must end your trip early due to a covered reason. See “Trip Cancellation VS Trip Interruption: What Is the Difference?” for an explanation of the difference between trip cancellation coverage and trip interruption coverage.

Note that Atlas Nomads medical insurance has a lower premium than most travel insurance plans because it does not include a Trip Cancellation benefit. If you’re a U.S. citizen or resident looking for travel insurance with a Trip Cancellation benefit, you should consider Atlas Journey® trip cancellation insurance. Visit the Atlas Journey product page for details about this plan.

Does the Atlas Nomads Insurance Plan Meet Visa Requirements?

Can I Renew My Atlas Nomads Insurance Coverage?

Can I Extend My Atlas Nomads Insurance Coverage?

How Do I Cancel My Atlas Nomad Insurance Coverage?

Most members are able to submit a cancellation request online in Member Portal . Note that only members who have no claims are eligible for a premium refund. After you create your Member Portal account ( click here for registration instructions) , log in and select “Policy Information” in the top righthand corner. Then select the “Modify Coverage Dates” box. If you are not eligible to cancel via Member Portal, you will see a message prompting you to contact your agent for assistance. If you are eligible to cancel via Member Portal, select “No” under the “Would you like to change your coverage start date?” question. Then select “Shorten or cancel your coverage.”

If Your Policy Has Not Yet Started… On the “Shorten or Cancel Policy” page, select your coverage start date as your new coverage end date. Once you click “Submit,” you will be routed to a confirmation page. You will also receive a confirmation email. Your refund will be applied to the original payment method used within 3-5 business days.

If Your Policy Has Already Started… Only premium for unused whole months (if paying in monthly installments) or unused days (if paid in full) will be refunded. On the “Shorten or Cancel Policy” page, select your new coverage end date and click “Calculate Refund” to display the eligibility of the date selected and the amount that will be refunded. Once you click “Submit,” you will be routed to a confirmation page. You will also receive a confirmation email. Your refund will be applied to the original payment method used within 3-5 business days. Please note that you cannot have filed any claims to be eligible for a premium refund.

Am I Eligible for a StudentSecure International Student Health Insurance Plan?

When Does Coverage Become Effective Once I Get a StudentSecure Plan?

When Does Coverage Terminate with a StudentSecure Plan?

Which Plan Should I Purchase, StudentSecure Elite, StudentSecure Select, StudentSecure Budget, or StudentSecure Smart?

Do StudentSecure Plans Provide Any Home Country Coverage?

Does the StudentSecure Plan Include Any Coverage for Medical Expenses Related to COVID-19?

If You Purchased Your StudentSecure Policy on Or After May 15, 2020: Your plan will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

If You Purchased Your StudentSecure Policy Before May 15, 2020: Your plan contains an applicable exclusion and will NOT cover medical expenses resulting from COVID-19/SARS-CoV-2. The full exclusion reads: Charges resulting from a disease outbreak in a country or location for which the U.S. Centers for Disease Control and Prevention (CDC) have issued a level 3 or higher travel warning are excluded if: - the warning has been in effect within the 60 days immediately prior to your date of arrival, or - within 10 days following the date the warning was issued you have failed to depart the country or location. You can review the exclusion by reading through the “General Exclusions” section of your Description of Coverage (DOC).You will find your DOC in Member Portal . Sign in to the portal, click "Policy Information" in the navigation menu, and then click the box labeled "Description of Coverage." 

What International Medical Benefits Are Covered in a StudentSecure Insurance Plan?

Are Any Pre-Existing Conditions Covered by a StudentSecure Insurance Plan?

Charges resulting directly or indirectly from any *pre-existing condition are excluded from StudentSecure Elite and StudentSecure Select during the first 6 months of coverage and from StudentSecure Budget during the first 12 months of coverage. All StudentSecure plans include **Acute Onset of Pre-existing Conditions (excluding chronic and congenital conditions) up to a lifetime maximum of $25,000 for eligible expenses. Note that StudentSecure Smart provides Acute Onset of Pre-existing Conditions coverage only.

*Pre-existing Condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 12 months prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.

**An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is a chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met: 1. The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition; 2. Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence; 3. You must be under eighty (80) years of age; 4. You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider; 5. You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition; 6. You must be traveling outside your home country

Is There Any Maternity or Newborn Care Coverage with a StudentSecure Insurance Plan?

I Am Planning to Play a Team Sport When I Study Abroad. Am I Covered with a StudentSecure Plan?

Is There Mental Health Coverage with a StudentSecure Plan?

Am I Covered with a StudentSecure Plan if I Have an Accident that Involves Dental Injuries?

Does StudentSecure Provide Coverage for an Emergency Medical Evacuation?

Does StudentSecure Have Emergency Reunion Coverage?

How Can I Access My Personalized Product Links?

I'm Worried About Acts of Terrorism in My Host Country. Is There Coverage for That?

StudentSecure Elite, StudentSecure Select, and StudentSecure Budget provide medical coverage for injuries and illnesses resulting from an act of terrorism, subject to a $50,000 lifetime maximum, provided all of the following conditions are met: 1. The injury or illness does not result from chemical, nuclear, biological, radioactive, or cyber weapons or events. 2. You have no direct or indirect involvement in the act of terrorism. 3. The act of terrorism is not in a country or location where the U.S. Department of State has issued a level 3 “reconsider travel” or higher travel advisory within the 60 days prior to your date of arrival. 4. You have not failed to depart a country or location within 10 days following the date a level 3 or higher travel advisory to leave that country or location is issued by the U.S. Department of State.

An Act of Terrorism Is Defined as: An act, including but not limited to, the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear. *StudentSecure Smart does not provide coverage for medical expenses incurred due to an act of terrorism.

Is There Any Accidental Death and Dismemberment Coverage Included with a StudentSecure Plan?

In the event of your accidental death or dismemberment resulting from a covered injury, StudentSecure Elite and StudentSecure Select will provide the following benefit: - Accidental Death - Principal sum to the beneficiary designated on your application - Loss of Sight in Both Eyes or Loss of Two or More Limbs - Principal sum to you - Loss of Sight in One Eye or Loss of One Limb - One-half of the principal sum to you Loss of Sight - Defined as total and irrevocable loss of sight. Loss of Limb - Defined as complete and permanent severance of a hand at or above the wrist, or a foot at or above the ankle.

StudentSecure Elite and StudentSecure Select offer an optional AD&D Rider for an additional $25,000 lifetime maximum. Neither StudentSecure Budget nor StudentSecure Select provides an Accidental Death and Dismemberment benefit. Note that the Accidental Death and Dismemberment benefit is not available for losses resulting from an act of terrorism.

Should Something Happen and Death Occurs, Do You Cover the Transportation of Remains Back Home?

What If I Have to Go to the Hospital on the Day My StudentSecure Plan Terminates?

Can I Extend or Renew My StudentSecure Insurance Coverage?

How Do I Extend My StudentSecure Insurance Coverage?

Follow the below instructions to EXTEND your StudentSecure insurance plan:

• Log into your Member Portal account.
• If you are eligible to extend your policy and you do not need to contact a broker or plan administrator in order to do so, you will see the "Extend Policy" page.

How Do I Cancel My StudentSecure Insurance Coverage?

Most members are able to submit a cancellation request online in Member Portal . Note that only members who have no claims are eligible for a premium refund. After you create your Member Portal account (click here for registration instructions), log in and select “Policy Information” in the top righthand corner. Then select the “Modify Coverage Dates” box. If you are not eligible to cancel via Member Portal, you will see a message prompting you to contact your agent for assistance. If you are eligible to cancel via Member Portal, select “No” under the “Would you like to change your coverage start date?” question. Then select “Shorten or cancel your coverage.”

If Your Policy Has Not Yet Started … You are eligible for a full refund of your premium for free. On the “Shorten or Cancel Policy” page, select your coverage start date as your new coverage end date. Once you click “Submit,” you will be routed to a confirmation page. You will also receive a confirmation email. Your refund will be applied to the original payment method used within 3-5 business days.

If Your Policy Has Already Started … A $25 cancellation fee will apply. On the “Shorten or Cancel Policy” page, select your new coverage end date and click “Calculate Refund” to display the eligibility of the date selected and the amount that will be refunded. If Paying in Monthly Installments… - You may only cancel in whole month increments. If you select a date in the middle of a monthly installment period, the following installment period will not be drafted. - Only premium for unused whole months will be refunded.

If Paid in Full … - Only premium for unused days will be refunded. Once you click “Submit,” you will be routed to a confirmation page. You will also receive a confirmation email. Your refund will be applied to the original payment method used within 3-5 business days. Please note that after 60 days, no refunds will be granted.

What Is Trip Protection Insurance?

What Are Covered Reasons for Trip Cancellation?

What Are Covered Reasons for Trip Interruption?

What Is a Trip Cancellation for Any Reason (CFAR) Benefit?

How Do I Purchase a Trip Cancellation for Any Reason (CFAR) Benefit?

Who Is Considered a "Traveling Companion" for Insurance Purposes?

Who Is Considered a "Family Member" for Insurance Purposes?

Can I Buy Trip Protection Insurance After Departing on My Trip?

What Is the Latest Date I Can Purchase Trip Protection Insurance?

Can I Purchase Trip Protection Insurance If I'm Not a U.S. Resident?

What Is a Pre-Existing Condition?

A pre-existing condition means an illness, disease, or other condition during the lookback period immediately prior to your effective date of coverage for which you: 1. received a test, examination, or medical treatment; 2. received a recommendation for a test, examination, or medical treatment; or 3. took or received a prescription for drugs or medicine.

Item (3) above does not apply to a condition which is treated or controlled solely through the taking of prescription medication and remains treated or controlled without any adjustment or *change in the required prescription throughout the lookback period before your coverage effective date.

*Change in required prescription means the dosage or frequency of a medication has been increased, reduced, stopped, and/or new medications have been prescribed due to the worsening of an underlying condition that’s being treated with the medication, unless the change is: 1. between a brand name and a generic medication with comparable dosage; or 2. an adjustment to insulin or anti-coagulant dosage. Your Atlas trip protection plan will not cover pre-existing conditions that existed during the lookback period, unless you qualify for a waiver of the pre-existing conditions exclusion. (Note that Atlas On-The-Go does not offer a waiver of the pre-existing conditions exclusion.) Learn more about pre-existing conditions below or review the policy documents for your plan and state of residency for specific coverage details. View the Policy Documents for Atlas Journey and Atlas On-The-Go product pages.

What Is a "Lookback Period"?

How Do I Qualify to Have Pre-Existing Conditions Covered?

Atlas Journey Premier, Atlas Journey Preferred, and Atlas Journey Economy will waive the pre-existing conditions exclusion if both the following apply: - you purchase your plan within 21 days of the date you made your first payment toward your trip; and - you are medically able to travel on the date of purchase.

Atlas On-The-Go does not offer coverage for pre-existing conditions. Review the policy documents for your plan and state of residency for more details.

What Kinds of Travel Assistance Services Are Included with My Plan?

Wherever you travel with your Atlas trip protection coverage, you can rest easy knowing you have access to multilingual travel assistance services 365 days a year. Some travel assistance services include: - Worldwide travel, medical, emergency, and security assistance - Pet assistance - Concierge services - Embassy and consular service - Medical referrals - Language interpretation - Assistance with lost or stolen luggage and personal items - Coordination of personal effects collection and return - Search and rescue coordination - Assistance with return of minor children - Arrangements for aircraft and car return

See the full list of travel assistance services available to you.

What Should I Do if I Experience an Emergency While Traveling?

What Information Do I Have to Provide in Order to Purchase a Trip Cancellation Plan?

You will need the following trip information: - Total trip cost - Departure date - Return date - Primary destination - Initial trip payment date - Final trip payment date - Airline (optional) - Cruise line (optional) - Tour operator (optional)

You will need the following personal information for each traveler on your policy: - First and last name - Traveler(s) current age(s) and date of birth - Gender (optional) - Email address - Mailing address - City of residence - State of residence - Postal code - Phone number

You will need the following credit card information to purchase your policy: - Name on credit card - Credit card number - Credit card expiration date (month and year) - Credit card security code

What Do I Choose as My State of Residence?

How Do I Calculate My Total Trip Cost?

What Is Considered My Departure Date?

What Is Considered My Return Date?

Do I Enter My Current Age or My Age on My Departure Date?

What Is Considered the Initial Trip Payment Date?

What Destination Do I Choose if I'm Visiting Multiple Destinations?

When Will My Coverage Become Effective?

What Should I Do if I Need To Change the Details of My Insurance Plan After I Buy?

How Do I Access My Insurance and Policy Documents?

Where Can I See My Coverage Limits?

How Do I Cancel My Travel Policy?

Atlas Journey Premier, Atlas Journey Preferred, Atlas Journey Economy, and Atlas On-The-Go each include a free-look period. This is the period after purchase in which you’re eligible for a refund if you decide to cancel your coverage. Review the policy documents for your plan and state of residency to see how long your free-look period lasts.

You can view policy documents for Atlas Journey or Atlas On-The-Go by using the dropdown to select your state. Then click the link for the policy of your choosing. If you have an Atlas Journey or Atlas On-The-Go plan and your policy number starts with a “T,” you may email us at [email protected] to cancel. Please include “Cancellation Request” in the subject line. If your policy number does not start with a “T,” this means you have a travel medical insurance plan.

Atlas Travel Medical Plans Most members are able to submit a cancellation request online in   Member Portal . Note that only members who have no claims are eligible for a premium refund.

After you create your Member Portal account, log in and select “Policy Information” in the top righthand corner. Then select the “Modify or Cancel Coverage” box. If you are   not   eligible to cancel via Member Portal, you will see a message prompting you to contact your agent for assistance. If you   are   eligible to cancel via Member Portal, select “No” under the “Would you like to change your coverage start date?” question. Then select “Shorten or cancel your coverage.” If Your Policy Has Not Yet Started…  You are eligible for a full refund of your premium for free. On the “Shorten or Cancel Policy” page, select your coverage start date as your new coverage end date. Once you click “Submit,” you will be routed to a confirmation page. You will also receive a confirmation email. Your refund will be applied to the original payment method used within 3-5 business days.

If Your Policy Has Already Started… A $25 cancellation fee will apply and only the prorated portion of your premium will be refunded. On the “Shorten or Cancel Policy” page, select your new coverage end date and click “Calculate Refund” to display the eligibility of the date selected and the amount that will be refunded.

Once you click “Submit,” you will be routed to a confirmation page. You will also receive a confirmation email. Your refund will be applied to the original payment method used within 3-5 business days.

How Do I File a Claim?

What Supporting Documents Should I Include With My Claim?

Examples of supporting documents are as follows:

For a Trip Cancellation Claim : -

• Itinerary/invoice for all trip arrangements
• Proof of payment for trip arrangements
• Proof of cancellation of all trip arrangements
• Documentation supporting your reason for cancellation (e.g., completed attending physician’s statement, death certificate and obituary, jury summons, etc.)

For a Trip Interruption/Travel Delay Claim:

• Documentation of the date you joined the trip and/or left the trip
• Receipts and proof of payment for any additional expenses claimed
• Documentation supporting your reason for interruption/delay (e.g., medical notes/records, death certificate, evidence of delay or cancellation by your common carrier including the reason for the delay or cancellation, etc.)

For an Emergency Accident & Sickness Medical Expense Claim:

• Itemized invoices
• Medical notes/records
• Proof of payment for medical expenses incurred during the trip
• Explanation of Benefits (EOB) from your primary health insurer (if coverage is excess)

For a Baggage Damage or Loss Claim:

• A copy of your claim with the carrier that had possession of the items when they were lost/stolen
• A copy of the resolution of the claim with the carrier
• Itemized list of all items claimed, including the approximate age/date of purchase for each item claimed and proof of the replacement cost for a similar item from a retailer
• If loss was the result of theft, a copy of the police report filed at the time of loss

For a Baggage Delay Claim:

• Property Irregularity Report (PIR) issued by the common carrier (shows evidence of baggage delay)
• Documentation of the date your baggage was returned to you
• Receipts for personal articles purchased while your baggage was delayed

How Long Will It Take for You To Review My Claims?

How Do I Check the Status of a Claim I've Submitted?

How Do I Upload Supporting Documentation for a Claim?

How Long Will It Take To Receive Payment for an Approved Claim?

How Can I Appeal a Denied Claim?

There is no special form required to file an appeal. If you wish to appeal your claim, you may send us a letter explaining the reason you disagree with the denial of your claim. You will need to include your policy and/or claim number as well as documents that support your claim. Email or mail your reasoning, policy/claim number, and supporting documents to:

Mail: Attention: Co-ordinated Benefit Plans, LLC On Behalf of US Specialty Insurance Company P.O. Box 26222 Tampa, FL 33623

[email protected] (please include “Appeal” in the subject line)

Do I Have To Use a Doctor From a Specific List?

Do I Have To Pay the Doctor Up Front?

Many providers are willing to bill us directly, and we are happy to work directly with the provider. The provider should submit original itemized bills to WorldTrips. You, the patient, will still need to submit a completed Claimant's Statement and Authorization form to WorldTrips. If the provider requires you to pay for medical treatment at the time of service, you will need to file a claim for reimbursement. When seeking treatment, please ensure that you provide your name in the same format as provided for your insurance policy. You can check your name format on your fulfillment documents, ID card, or in Member Portal .

At the time of service, ask your medical provider for an itemized bill with the following information: 

• Provider name and address
• Provider tax ID (if U.S.-based)
• Your name, date of birth, and certificate ID number
• Itemized charges
• DX (diagnosis) code and CPT (Current Procedural Terminology) code
• Request your receipt for payment and complete medical records from the visit.

Can My Doctor Call if They Have Questions About What My Plan Covers?

What Happens if I Become Ill or Injured Over the Weekend and Need to Contact You?

What Is a Claimant's Statement and Authorization Form?

Where Do I Find the Claimant's Statement and Authorization Form?

- The Claimant’s Statement and Authorization form. - You can also fill out the form via DocuSign online in Member Portal . (See step-by-step instructions on how to file a claim via Member Portal.) - You can also contact us at 800-605-2282 to request a form by mail or fax.

How Do I Submit the Claimant's Statement and Authorization Form?

You can complete and submit the Claimant's Statement and Authorization form (along with supporting documents) in one of the following ways: Via DocuSign within Member Portal (Most Efficient Approach) 1. Go to Member Portal . 2. Log in to your account. If this is your first time using Member Portal, view instructions for registering your new account here.

NOTE: If you already have a Client Zone / Student Zone account, you do not need to register for a Member Portal account. Simply log in to Member Portal using your Client Zone / Student Zone login details.

3. Click "Claims and Appeals" in the main navigation menu. 4. Click the “Submit New Claim Via DocuSign” button under the “Claimant’s Statement and Authorization Form” subheader in the “File a Claim” section and follow the instructions. For more extensive step-by-step instructions, including screenshots, please see our “ How to File a Claim ” guide.

Don't Have Access to the Claims and Appeals Page? If you noted that you are not the insured or the insured’s legal guardian, you will see the Protected Health Information Authorization page in place of the Claims and Appeals page. Enter the insured’s email address and click “Send Request.” Once the insured has completed and submitted our HIPAA form, you will gain access to the Claims and Appeals page and have the ability to submit a claim within 3-5 days.

By Mail 1. Download the Claimant's Statement and Authorization form here. 2. Print, complete, and sign the form 3. Mail to: WorldTrips Claims Department PO Box 240358 Apple Valley, MN 55124 U.S.A. WorldTrips is also happy to fax, e-mail, or mail the form(s) to you upon request.

Important Note for Students: For eligibility purposes, you must submit the following along with a Claimant's Statement and Authorization form: - A copy of your education-related visa (F-1, J-1, OPT, etc.) or valid I-20/DS2019 - Proof of full-time student status (not necessary if submitting a valid F-1 visa including OPT, or J-1 visa)

Do I Need to Send a Completed Claimant's Statement and Authorization Form with Every Bill?

I Completed the Claimant's Statement and Authorization Form and You're Asking for It Again - Why?

What Is An Authorization Form for Use and/or Disclosure of Protected Health Information (Also Known as the HIPAA Form)?

How Do I Submit the Authorization Form for Use and/or Disclosure of Protected Health Information (Also Known as the HIPAA Form?

You may complete and submit the form to us in one of the following ways:

• Log in to your account. If this is your first time using Member Portal, please click here to view instructions for registering your new account.  If you already have a Client Zone / Student Zone account, you do not need to register for a Member Portal account. Simply log in to Member Portal using your Client Zone / Student Zone login details. 

If You See the Protected Health Information Authorization Page: - Because you selected that you are not the insured or the insured's legal guardian upon registering for Member Portal, you do not yet have access to the Claims and Appeals page. - Under the "Protected Health Information Authorization" header, enter the insured's email address and click the "Send Request" button. - The insured will receive an email with a link to complete, sign, and submit the HIPPA form via DocuSign. You will gain access to the Claims and Appeals page and will be able to see the status of any pending claims within 3-5 days of the date the policyholder completed and submitted the form.

If You See the Claims and Appeals Page: - Click the "Fill Out and Submit Via DocuSign" button under the "Authorization Form for Use and/or Disclosure of Protected Health Information (HIPPA)" subheader in the "File a Claim" section. - Enter the insured's name and an email address and click the "Begin Signing" button. - Click the yellow "Continue" button, fill out the form and the required information (as noted by the red boxes), have the policyholder sign the form, and click the yellow "Finish" button. - Clicking "Finish" submits the document and sends a PDF of your signed Authorization Form for Use and/or Disclosure of Protected Health Information to the email address entered. Download or print a copy of your completed form for your records. If you do not receive a confirmation email with your completed form attached within 24 hours, please contact WorldTrips to make sure your form was properly submitted.

• Mail to: WorldTrips Claims Department PO Box 240358 Apple Valley, MN 55124 U.S.A. 

How Long Will It Take for My Claim to Be Processed?

How Do I Find Out About the Status of Submitted Claims?

I Submitted Everything You've Requested - Why Are My Claims Still Not Processed?

Is the Explanation of Benefits (EOB) a Bill?

What Is Subrogation?

In health insurance, subrogation is the process through which an insurance company seeks to recover medical costs from another party’s insurance. For WorldTrips, it refers to those times when you or your family may have submitted a claim for medical care for which a third party is responsible. These types of claims could be car accidents, slip and fall claims, negligence claims, or product liability claims. In cases where a claim for services in the United States is in question, WorldTrips is responsible for administering the claim.

We use Equian, an independent company, to assist us with the investigation and recovery process for these subrogated claims. [equian logo?] - What Equian Will Do? As part of the investigation process, you may receive a letter or email directly from WorldTrips and Equian asking you to provide details regarding an incident or paid medical claim. The date of your consultation or treatment and the name of the healthcare provider will be listed on the letter and the investigation will be allocated an event number.

-What You Need to Do If you have been contacted by WorldTrips and Equian, you can fill out the online subrogation questionnaire at the following link: https://selfservice.troversolutions.com You will be asked to provide your event number, which was provided in the correspondence, so please have it ready to reference. You can also call the toll-free customer service number at +1 (800) 395-5568 to provide the information to an Equian customer service representative.

Customer service hours in the U.S. are as follows: - Monday through Thursday: 8:30 a.m. until 9:00 p.m., Eastern Standard Time - Friday: 8:30 a.m. until 7:00 p.m., Eastern Standard Time - How Helping Us Will Benefit You By providing WorldTrips and Equian with the requested accident-related information, you are able to take an active role in helping to control your healthcare costs. If Equian determines another party was responsible for your injuries, it may seek reimbursement from the responsible party or insurance.

With the Patient Protection Affordable Care Act (PPACA) Law, How Can You Deny Pre-Existing Conditions?

How Do I Become Contracted with WorldTrips?

Are There Any Contract Fees or Production Requirements?

Do I Have to Carry a Health Insurance License in Every State?

Can I Sell WorldTrips' Portfolio of Products on My Personal Website?

How Can I View My Production?

When and How Are Commissions Paid?

Commissions are paid each month on the third to the last business day of the month for all commissions owed for all sales since the last commissions received.  You may also be eligible for a second commission payment if you sign up to receive payment by EFT (ACH/Wire) and are owed over $100.00 on the second Wednesday of each month. 

Study Abroad Resources

How To Make Sure You Meet Student Visa USA Requirements

Travel Abroad Programs

Reasons To Get International Student Insurance

Travel Guide To Studying in India

KHE2FFFYH6SP-971744701-1074

WorldTrips' Atlas Journey, Atlas Cruiser, and Atlas On-The-Go trip protection insurance products are underwritten by Tokio Marine HCC's U.S. Specialty Insurance Company (USSIC). USSIC is a Texas-domiciled insurance company operating on an admitted basis throughout the United States. Coverage is available to U.S. residents of the U.S. states and District of Columbia only. This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. Coverage may not be available in all states.

In the State of California, operating as WorldTrips Insurance Services. California Non-Resident Producer License Number: 0G39705

International Student Insurance (ISI)

ISI is the leader in reliable and affordable international student insurance plans, with a 5-Star customer service rating. Find your plan below:

Find your plan

International Student Insurance Plans

International Student Insurance is the premier destination online for international student health insurance and international student travel insurance plans. Our plans are not only comprehensive, but they are affordable for any budget, and are specially designed to provide health insurance for international students.

Comprehensive but affordable, international student health insurance plans are designed to meet visa requirements and provide key coverage that schools want, like mental health, sports and maternity. With multiple plans and levels offered, we have a plan for every international student budget and need.

For international travelers around the world, travel medical plans offer instant coverage up to $5 million for trips from 5 days to a year outside of your home country. With your choice of deductibles and plan levels, travel medical insurance is very flexible to meet the needs of travelers and students.

For expatriates, families and students that need long-term, more permanent coverage, we offer international major medical plans. Once purchased, you can renew these benefit-rich plans annually for as long as you remain eligible.

ISI offers a range of international student insurance options to meet school and country requirements, including for those on F (includes OPT), M, or J visas as well as for students studying abroad. Our commitment to outstanding customer service and support sets us apart and ensures that our clients always have the information they need to make informed decisions.

Student Health Insurance

Travel Medical Insurance

Special Insurance Categories

Student Country Pages

Our coverage is worldwide, but visit our country guide if you are studying in or traveling to:

School / Group Plans

Current Clients

Policy Documents

Latest international student insurance posts.

In addition to our range of health insurance plans for international students, we also provide:

School Administrators

Learn more about our plan options and free school resources including videos, presentations, insurance best practice guide, and more.

Agents / Affiliates

Would you like to offer international insurance and travel insurance plans to your clients around the world? Find out more about becoming an insurance producer.

Travel Insurance for Studying Abroad

Travel insurance can protect your finances if your travel plans go awry..

6+ years writing about insurance, travel, and personal finances

Contributor to brands like Credible

In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.

Read Editorial Guidelines

Featured in

Licensed auto and home insurance agent

4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Updated September 22, 2023

Table of contents

• Travel insurance
• Coverage options

Travel medical insurance

• Purchasing coverage

Studying abroad is one of the most engaging ways to continue your studies while learning about a country’s history, culture, and more. While thousands of students have an immensely positive experience, not all study abroad trips go off without a hitch. That’s what makes travel insurance so important.

Sometimes, a student must have travel insurance while studying abroad; other times, it’s optional coverage. Regardless, you should consider having at least a minimal amount of travel insurance when studying abroad just in case the unexpected happens.

What is travel insurance for studying abroad?

Travel insurance is a type of insurance that reimburses you for part of or all of your expenses when you experience an unfortunate event when traveling. This could be anything from losing your luggage to having to completely cancel the trip. [1]

Travel insurance could help you recover financially from these unexpected problems. Aside from issues with the trip itself, you may want to also consider travel health insurance.

In most cases, your regular health insurance plan won’t cover the costs of your medical care outside of the United States, and the U.S. government won’t pay for medical bills or related costs if you’re injured while abroad. [2]

What travel insurance should a student have?

Parents and students alike may need clarification on whether travel insurance is necessary for studying abroad. If the university requires travel insurance for a semester abroad, faculty members or staff in charge of the program should notify the students of the policy requirements.

If travel insurance is optional, study abroad program participants should at least know which options to consider. Whether it’s to provide health insurance coverage that your normal U.S. insurance policy doesn’t cover or to cover en-route travel challenges, such as lost baggage, you should be familiar with how additional insurance can help.

Even if you’re staying in your home country — such as a student from the mainland United States enrolling in a semester in Alaska, Hawaii, or one of the U.S. territories — lost luggage, flight delays, and cancellations caused by a natural disaster could all occur.

Travel medical insurance typically pays for medical services you receive outside your home country, such as a routine service like a doctor visit for a prescription or a vaccination, as well as an emergency service suddenly required during your study trip. Travel medical insurance plans differ with each travel insurance company, so compare policies accordingly.

Baggage insurance

Baggage insurance covers your luggage if you lose it in transit. For example: Suppose you checked a bag at an airport in your home country, changed planes in a layover airport, and arrived at your destination only to discover that you no longer have your baggage. In this instance, baggage insurance would pay for the cost of your lost luggage.

This insurance might not be an important consideration for students using only carry-on luggage.

Delay insurance

Travel insurance works on a case-by-case basis, and covered information-specific events are outlined in your policy. It’s important to remember that trip cancellation differs from a trip delay. Basic travel insurance covers some long delays that result in you missing a significant amount of your trip; additional delay insurance can potentially cover you for smaller delays, such as long flight delays or transportation strikes.

Cancellation insurance

Trip cancellation insurance is an important consideration, even if you believe you don’t need baggage insurance or delay insurance. Cancellation insurance protects your financial investment in a single trip by reimbursing you for canceled cruises, flights, train tickets, and more.

For instance, if your host country suddenly changes its entry requirements or your home country suddenly sets new travel restrictions, cancellation insurance may cover these events.

Mental health coverage

Travel can include moments of stress, anxiety, and loneliness. Some policies allow you to purchase additional insurance related to mental health coverage.

If you currently receive mental health services through your university, talk to your study abroad office about how you can ensure your unique psychological needs are covered abroad through mental health travel insurance.

Travel evacuation insurance

There’s medical evacuation insurance that helps in the event of things like accidental death or dismemberment, but there’s also evacuation insurance unrelated to you sustaining a serious medical emergency, like injuries, accidents, or illnesses. Travel evacuation insurance removes you from the host country if military action or political unrest breaks out.

Why you should get travel medical insurance

Seeking medical treatment at a medical facility abroad can be expensive, as can simply refilling a prescription medication. Having access to international health insurance can reduce these costs dramatically.

Make sure to inquire about any pre-existing conditions you have. Some travel insurance companies include pre-existing conditions, while other international health insurance plans don’t.

Travel insurance for COVID-19

Because COVID-19 is still present worldwide, some countries may have strict rules regarding how a student may enter, remain, or leave the country if they contract the virus.

The U.S. Department of State recommends that travelers obtain travel insurance that includes coverage for all COVID-19-related trip cancellations and disruptions, as well as medical coverage for COVID-19-related treatments. [3]

Like many other specific coverage options, COVID-19 insurance may not be automatically included in a basic travel insurance policy for students.

Where to get travel insurance for studying abroad

Many insurance companies offer policies specifically designed for the needs of study abroad students. Cultural Insurance Services International (CISI) provides travel insurance policies for international students and students studying abroad. [4] You can also purchase travel insurance through a global network of insurance companies for school-related trips.

The first places to search for policies are either through the study abroad office at your university or through your current insurance company. Most schools that facilitate study abroad trips will have either documents for you to view or email and other contact information to find a plan.

Similarly, your current medical, auto, or even homeowner insurance company may offer travel insurance that you can add to your policy.

Study abroad insurance FAQs

Whether it’s your first time studying abroad, or if you’ve never purchased travel insurance for a previous academic adventure, here’s some helpful information about study abroad insurance.

When should you buy travel insurance?

Unless your study abroad program has a specific deadline, you should purchase travel insurance as soon as you’ve confirmed your trip. Many insurers recommend purchasing it immediately after you secure your travel arrangements, as the longer you wait the more expensive it will be. At the latest, you should purchase a policy within 14 to 15 days of your trip.

Do you need insurance to travel or study abroad?

You don’t typically need travel insurance unless the destination country requires it. However, a traveler on a formal trip like a tour will likely need to purchase travel insurance to attend the trip. [5] A student studying abroad may also need travel insurance to meet the requirements of their university or school.

What does study abroad insurance cover?

Study abroad insurance isn’t a set-in-stone policy. Rather, it’s a type of travel insurance offered by an insurer designed to meet a student’s specific needs. Students studying abroad may choose a policy that covers medical expenses, trip cancellation, baggage loss, or other events.

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The Best Student Travel Insurance Plans for 2024

Companies like Faye, Travelex and Seven Corners can provide affordable options for student travel insurance if you’re planning to travel or study abroad.

with our comparison partner, TravelInsurance.com

Sarah Horvath is a finance writer and researcher based in New York City. She specializes in writing about home warranties, insurance and home financial protection.

Tori Addison is an editor who has worked in the digital marketing industry for over seven years. A journalist by trade, her experience includes communications and marketing management in the nonprofit, governmental and academic sectors.

If you’re a college student planning an international excursion, you may decide to protect your investment with travel insurance. Travel insurance compensates you if you need to cancel your trip for a covered reason, get injured abroad, or lose your luggage or other personal belongings while traveling.

Our top recommended travel insurance provider for college students is Travelex , thanks to its budget-friendly policies and quick applications.

Compare Travel Insurance for Students

Our top picks for student travel insurance are Travelex, Faye and Nationwide, which offer a blend of affordability and a range of coverage options.

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Top 6 Travel Insurance Companies for Students

Here are our top picks for companies that offer student travel insurance:

• Faye: Our top pick for students
• Travelex: Our pick for affordable plans
• Seven Corners : Our pick for international travelers
• AXA Assistance USA : Our pick for leisure travelers
• Nationwide: Our pick for cruise travel
• Generali Global Assistance: Our pick for emergency assistance

To help you get a better idea of what you might pay for travel insurance as a student, we requested quotes from each of the above providers, as listed in the table below. We collected sample quotes for seven trip types, outlined in our methodology.

Why We Chose Faye

If you’re a digital native, you may enjoy how Faye leverages insurance tech to help you get a policy quickly and file a claim on the go. Benefitting from a digital underwriting process, Faye allows you to view policy options and start comparing quotes in seconds.

Launched in 2022 , Faye may be a newcomer to the travel insurance industry, but its seamless online experience has already earned the company hundreds of positive online customer reviews.

Faye features an all-online quote process with just a handful of questions, enrollment and claims-filing process. You can enroll in coverage and file claims directly through its mobile app, and even be reimbursed on approved claims to your phone’s Faye wallet. Faye also offers real-time alerts and 24/7 customer service before and during your trip.

We recommend Faye to travelers who want a quick, all-online experience that doesn’t require wading through complicated coverage options.

Pros & Cons

Coverage & add-ons.

Faye offers one plan with several optional add-on options.

Optional Add-Ons 

• Cancel for any reason (CFAR) 
• Rental car damage or theft
• Adventure and extreme sports protection 
• Vacation rental damage protection

*Coverage limits and availability may vary by state of residence.

A 30-year-old traveler planning a $4,000, five-day trip to the Bahamas would pay about $187 for travel insurance with Faye. Unlike competitors, this company offers only one policy for international travelers.

We We Chose Travelex

As a student, price may be a main focus when shopping for travel coverage. Travelex is Our pick for families for affordable student travel insurance thanks to its low rates. It offers two policies — the Travel Select and Travel Basic plans — with coverage available from just $30 for most low-value trips. Travel Basic plans include limited coverage but can provide peace of mind for students traveling on a budget.

Each plan also includes access to the company’s 24-hour assistance services, a hotline you can call for help with a variety of travel-related issues, such as medical emergencies and lost passports. Note that you will need to purchase the higher-cost Travel Select to cover a trip longer than 30 days (like a semester abroad).

Coverage & Cost

Add-On Options

Travelex offers the following add-on coverages with its travel insurance plans.

• CFAR coverage:  Reimburses you up to 50% for nonrefundable expenses if a trip is canceled for a covered reason.
• Additional medical expense coverage:  Extends your emergency medical expense coverage to $500,000 depending on your plan.
• Accidental death and dismemberment (AD&D):  Offers your family members up to $25,000 in death benefits if you die or are dismembered while traveling. Coverage excludes airline accidents.
• Adventure sports riders:  Travelex’s policies exclude injuries from adventure sports from your emergency medical coverage. This waiver eliminates that exclusion, extending your coverage to sporting accidents.

To help you get an idea of how much you might pay for a travel insurance policy, we requested a few sample quotes directly from Travelex. Browse the table below to learn more about coverage costs.

We We Chose Seven Corners

Seven Corners is a travel insurance provider offering a range of affordable options for students living both in the U.S. and abroad. The Basic and Choice RoundTrip plans will be the most useful for students who are residents of the U.S., providing protections for trip cancellation and interruption, emergency medical expenses, emergency evacuation and repatriation, and lost or stolen baggage.

It’s important to note that the coverage provided by the RoundTrip plan may be subject to certain limits and exclusions, so it’s important to read the policy details carefully and contact Seven Corners with any questions. However, with affordable rates and comprehensive plan inclusions, Seven Corners offers a great policy selection for students.

Seven Corners allows you to enhance travel insurance policies with the following add-ons:

• Cancel for any reason (CFAR) coverage:  Extends up to 75% reimbursement for nonrefundable travel expenses. You must add CFAR coverage within 20 days of your initial trip payment deposit.
• Rental car damage:  Extends coverage to include up to $35,000 in collision coverage for rental cars you use abroad.
• Trip interruption for any reason (IFAR) coverage:  Like CFAR coverage, this add-on extends up to a 75% reimbursement if you need to leave your vacation early. You must purchase IFAR coverage within 20 days of your initial trip payment.

To help you get an idea of how much you might pay for a travel insurance policy, we requested a few sample quotes directly from Seven Corners. Browse the table below to learn more about coverage costs.

We We Chose AXA

AXA’s travel insurance policies are comprehensive and provide higher-than-average coverage limits compared to some providers. AXA offers three plan choices — and its most inclusive policy, the Platinum Plan, is ideal for adventure travelers. It includes coverage for lost skiing days, rounds of golf and even up to $1,000 in sports equipment rentals.

Overall, AXA’s plans are highly inclusive and offer a range of benefits. However, pricing is higher than competitors, which can be a particularly large consideration for students.

AXA offers two add-on options.

• CFAR coverage:  Provides reimbursements of up to 75% of your trip costs, but you must purchase coverage within 14 days of your initial trip payment.
• Collision coverage:  Extends up to $50,000 in collision coverage if you rent a car abroad.

Browse the table below to learn more about what you might pay for an insurance plan with AXA.

We We Chose Nationwide

If you’re a student saving up for a cruise, you probably want to do everything you can to protect your investment. Nationwide is one of the only travel insurance providers to offer policies specifically for cruise vacations. Cruise policies from Nationwide include coverage for all of the following: trip cancellation and interruption, missed connections, itinerary changes, and emergency medical expenses and evacuations.

All Nationwide cruise insurance plans include coverage for weather, work and school-related schedule changes. Coverage even extends to international terrorism that forces you or your cruise liner to cancel. Nationwide also offers standard round-trip insurance plans, which cover all of the standard protections you’d expect from competing insurance providers.

You can add the following optional coverages to Nationwide’s travel plans:

• AD&D:  Policies include up to $25,000 in add-on coverage for events that result in AD&D.
• CFAR coverage:  Reimburses you for up to 75% of nonrefundable trip expenses.
• Preexisting conditions waiver:  Select plans allow you to extend your medical insurance coverage to include preexisting medical conditions present at the time that you apply for coverage.
• Rental car collision coverage:  Extends up to $35,000 in rental car collision coverage depending on your plan choice.

Browse the table below to learn more about what you might pay for an insurance plan with Nationwide. Quotes are for standard roundtrip travel insurance policies.

We We Chose Generali

Generali is our top choice for travel insurance that includes 24/7 emergency service — an important consideration if you’re a student traveling abroad for the first time. Generali customers receive access to a 24/7 emergency hotline to contact international travel or telemedicine experts. If you’re traveling to a country where the native language is not English, this can provide peace of mind if you need translation services during an emergency.

Generali’s plans include all the standard coverages one would expect from travel insurance, with three policies available. All policies also include access to emergency transportation, telemedicine assistance and identity theft protection.

You can add the following optional coverages to Generali’s travel insurance plans.

• Rental car damage:  You can add up to $25,000 worth of rental car collision coverage on most trips.
• CFAR coverage:  Generali allows you to add CFAR coverage to select plans, which provide you with reimbursements of up to 60% for prepaid expenses.

Browse the table below to learn more about what you might pay for an insurance plan with Generali Global Assistance.

What Does Student Travel Insurance Cover?

As a student, most of your money likely goes towards tuition, housing expenses, textbooks and other costs associated with furthering your education. This can make it especially important to protect your financial investments when traveling.

Student travel insurance can provide coverage if you are traveling abroad for educational or cultural purposes. This type of insurance typically covers a range of risks that students may encounter while traveling domestically or abroad, including medical emergencies, trip cancellations or interruptions, lost or stolen luggage, and emergency medical evacuation.

You can purchase travel insurance for a single trip or for multiple trips over a specified period of time. Travel insurance coverage can vary widely depending on your policy details and provider, but if your trip is interrupted or canceled, most plans provide reimbursements for the following nonrefundable expenses:

• Plane tickets
• Reserved car deposits
• Lodging expenses
• Event tickets and excursions you’re unable to use
• Meals, clothing, toiletries and other necessities if your luggage is lost or stolen
• Medical expenses if you are hurt while traveling

While travel insurance is not mandatory for most trips, it can provide peace of mind if you want protection from unexpected trip expenses or disruptions. But keep in mind that travel insurance only provides reimbursements for nonrefundable trip expenses under certain cancellation circumstances — unless you opt for CFAR coverage .

Common Add-Ons

Travel insurance companies commonly allow you to upgrade your plan with add-on coverages. Some of the most common travel insurance add-ons include the following:

• CFAR coverage: Allows you to cancel your trip for any reason and still receive partial reimbursement.
• Rental car coverage: If you’re renting a car abroad, you may need collision coverage. Many travel insurers allow you to add this coverage for an additional cost.
• Umbrella policies: If you’re traveling to a country with particularly high medical expenses, you may want to extend medical coverage using an umbrella rider.

Specific add-on availability will vary by the insurance provider.

Should Students Consider COVID-19 Coverage?

Students may be concerned about whether travel insurance will cover cancellations and interruptions due to COVID-19 . While the specific details of each policy will vary depending on the insurance provider, most travel insurance plans treat COVID-19 as a standard illness when considering reimbursements.

Under the terms of most travel insurance cancellation policies, if you become sick with COVID before traveling and must cancel your trip, you’d be entitled to a reimbursement. Policies may also include medical coverage that extends to a COVID diagnosis you receive abroad. However, plans do not cover trip cancellations due to new COVID-19 outbreaks or strains that develop, nor fear of international travel due to COVID-19.

How Much Does Student Travel Insurance Cost?

According to our research, the average cost of student travel insurance is $154. However, the total cost of your trip will be the primary factor that influences the price of your travel insurance policy. As the value of your trip increases, so does the expense your insurer will need to cover if you file a claim.

This can make travel insurance cheaper for students who tend to travel on a budget. Medical coverage can also be more affordable for younger travelers, as they are less likely to incur major treatment bills abroad.

For accurate sample pricing, our team collected quotes for the following trips:

• A 19-year-old taking a 7-day, $4,000 trip to Mexico
• A 21-year-old taking a 5-day, $1,200 cruise in the Bahamas
• A 20-year-old taking a 9-day, $5,000 trip to Italy
• A 22-year-old taking a 2-week, $6,000 trip to France
• A 20-year-old taking a month-long trip to Europe (visiting the UK, Ireland, France, Spain and Greece) costing $8,000

Explore the table below to learn more about how age, trip cost and trip length influence price.

As you can see, trip cost influences the price of travel insurance the most for students.

What Impacts the Cost of Student Travel Insurance?

Several factors can affect the cost of student travel insurance, including:

• Destination: The cost of travel insurance can vary based on where you’re traveling. Some destinations may have higher medical care or evacuation expenses, affecting your premium.
• Length of trip: The length of your trip can affect the cost of travel insurance. The longer your trip, the higher your premium will be.
• Age: The age of the traveler can also impact the cost of travel insurance. Older travelers may have higher premiums due to an increased risk of health issues.
• Preexisting medical conditions: If you have preexisting medical conditions, it can affect the cost of travel insurance. Depending on the severity of your condition, you may need to pay a higher premium.
• Trip cost: More expensive trips will come with higher insurance costs since potential reimbursements depend on the price you paid for the trip.
• Deductible: If you choose a travel insurance plan with a deductible, it can lower your premium. However, you’ll be responsible for paying the deductible before insurance coverage kicks in.

Before you buy travel insurance, it’s important to compare companies carefully and select a plan that offers the coverage you need at a price you can afford. You can also check out our guide to the cheapest travel insurance for more coverage options.

Use the dropdown menu below to select your country of travel for a more in-depth guide on travel insurance for that specific location.

Is Student Travel Insurance Worth It?

Student travel insurance is often affordable, as students are more likely to be younger and insure less expensive trips. Both of these factors make students less likely to need to file a claim, which lowers the price of your insurance premium. If you’re planning a more valuable trip or you’re investing a significant amount of time putting your trip together, it can be worth it to consider travel insurance .

Finding the most affordable student coverage starts by defining your needs. If you are traveling abroad for more than a few weeks to study abroad , be sure to review your visa requirements before buying coverage. Read each company’s policy documentation before you buy, and get a quote from at least three providers to see which offers the best deal for your trip.

Frequently Asked Questions About Student Travel Insurance

Can i get travel insurance for a school trip.

Yes, travel insurance companies do provide insurance coverage for school-sponsored trips. If you’re planning on joining a class trip and have non-refundable expenses, it can be a good idea to consider a travel insurance policy.

Do I need travel insurance to study abroad?

Travel insurance is not usually legally required by international governments for students studying abroad. However, your college or university may have its own requirements you must meet in order to qualify for international study. Consult with your student advisor after selecting a study abroad destination to learn more about travel insurance program requirements.

How can college students afford to travel?

College students can afford to travel by taking trips during off seasons, saving money regularly throughout the year, and by taking advantage of study abroad programs. Students traveling internationally may also want to explore budget accommodations like hostels and low-cost airlines to travel without spending as much money.

What does student travel insurance cover?

Student travel insurance provides coverage for unexpected events that can occur during a trip to other U.S. states or a foreign country. These events may include trip cancellations, trip delays or interruptions, emergency medical bills, lost or stolen luggage, and other unforeseen circumstances.

Do I need student health insurance to travel or study abroad?

While U.S. residents do not legally need health insurance to travel, some schools require students to have health insurance while studying abroad. If your medical coverage does not extend outside your home country, you can purchase travel medical insurance to cover you abroad. While standard travel insurance only covers costs related to medical emergencies, some companies offer specific international health insurance plans for routine healthcare costs and medical treatments while traveling.

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Methodology: Our System for Rating Travel Insurance Companies

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

If you have feedback or questions about this article, please email the MarketWatch Guides team at  editors@marketwatchguides. com .

Other Travel Insurance Resources

• Help and Support
• Travel Insurance

Student Travel Insurance

Backpacking through the balkans interrailing around the swiss alps.

Don’t forget Admiral Travel Insurance when you plan your trip of a lifetime.

Travel insurance  might be the last thing on your mind when organising your epic trip. But when you’re carrying all your belongings in a backpack and intend to be away for a while, having the right cover in place should be a vital part of your plans.

Covid-19 - what our travel insurance covers

Our travel insurance now covers you for certain events related to Coronavirus (COVID-19), provided you have proof of a positive Covid-19 test and your cover is active at the time of the event.

What we cover

We provide cover for some costs related to Covid-19: please see Section 1 'emergency medical costs and repatriation' and Section 2 'cancelling or cutting short your trip' in your policy book for full details on what's covered.

We'll cover you if:

• you were diagnosed with Covid-19 before your trip was due to start
• a close relative died or became seriously ill as a result of Covid-19 before your trip was due to start
• you weren't allowed to board your pre-booked outbound travel due to symptoms of Covid-19
• an insured person or a close relative died during the trip because of Covid-19
• you couldn't take part in an excursion due to you self-isolating after getting Covid-19

What we don’t cover

You won't be covered if:

• you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or started your trip
• any government or public authority imposes travel restrictions or quarantine on a community, location, or vessel because of Covid-19 (this includes, but is not limited to, local lockdowns, entry requirements, being denied entry and airspace closures)
• you have to quarantine after arriving in the UK or abroad
• the Foreign Commonwealth & Development Office (FCDO) change their advice to avoid ‘all travel’ or ‘all but essential travel’ to your destination because of Covid-19

For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page . And remember to check the policy booklet carefully before you buy to make sure our cover meets your needs.

What kind of student travel insurance will I need?

The policy you need depends on how long you'll be travelling for. If you're lucky enough to be taking a few months – or even a year – to travel, then you'll need a policy that covers you for the full duration.

Unlike many single trip policies that cover you for up to 31 days away, our single trip policy covers you for 365 days, as long as you don't come back to the UK at all during that period.

If you're breaking up your travels over the course of a year, or studying abroad as part of your university course and planning to return to the UK after each term, then an annual policy – which allows multiple trips abroad, up to 31 days per trip as standard – could be right for you.

Admiral Student Travel Insurance comes with three tiers to choose from – Admiral, Admiral Gold and Admiral Platinum – with increasing coverage and product benefits.

Read the full list of benefits in the policy summary booklet .

Which countries does student travel insurance cover?

Your student travel insurance needs to cover you in all the countries you're visiting, as well as every stop you make on the way (even if you're only passing through the country on an interrailing trip).

If you're heading to Europe, a  European travel policy  should meet your needs. We also include the following countries in our European travel insurance:

If your student travels are taking you further afield – to America,  Australia  or the Caribbean for instance – you'll need to look at a  worldwide insurance policy  instead.

We offer two options:

• Worldwide excluding USA, Canada, Caribbean and Mexico

What's the difference between standard and student travel insurance?

Most travel insurance policies will cover you for things like:

• Loss or theft of personal belongings
• Travel delay

But if your student trip is going to last longer than the average holiday and you'll be trying out some extreme sports along the way, then you may need to look at some additional or specialist cover. Check the  policy booklet  or  contact us  to find out if the activity you want to do is covered.

Volunteering or working abroad

Whether providing childcare in a developing country's orphanages, helping on sustainability projects in a rainforest in Peru or feeding pandas at a conservation project in China, volunteering for a great cause abroad is a fantastic thing to do when you're a student.

It's a feel-good and do-good experience you'll treasure forever.

Maybe you're planning on working your way through your travels, taking on temporary jobs to help cover the cost of your adventures.

Our  travel policies  will cover you for your trip as long as you're not doing manual work. We define this as ‘paid or unpaid manual work or physical labour of any kind’.

For example, we won’t cover activities that require any heavy lifting or risk physical injury. If you’re unsure if what you plan to do is considered manual work,  call our team  to double check.

Student ski travel insurance for skiing and adventure holidays

We know relaxing on a beach isn't everyone's idea of fun. If you're planning to try new experiences and activities on your travels, make sure you check your  travel insurance policy booklet  first.

While our standard travel insurance covers you for active pursuits such as sail-boarding and surfing, anything riskier like diving with sharks or canyon swinging (yes, it's a thing!) will require a ‘hazardous activity' upgrade to your policy.

And if you're hitting the slopes, you'll need our  winter sports insurance  upgrade to cover your ski equipment and activities from skiing to snowmobiling. Without this upgrade, your trip won’t be covered at all.

Accidents and illness can happen, of course, so don't forget your European Health Insurance Card (EHIC) if it’s still in date. Otherwise you should apply for a new Global Health Insurance Card (GHIC) . These cards aren’t a substitute for travel insurance, though.

They entitle you to emergency care but treatment may not be free, and the cards won't cover extra costs such as those of getting you back to the UK in a medical emergency.

What about gadget travel insurance?

We know you won't want to be parted from your tech on your travels – how else will you Skype your family or Instagram your latest location?

But accidents happen, and expensive gadgets can get lost or stolen, so check your policy covers things such as smartphones, cameras or tablets.

If the value of your tech adds up to more than the valuables limit under your personal belongings cover in your travel insurance, you can add on gadget cover.

Admiral's gadget travel insurance pays up to £1,500 for gadgets that are lost, stolen or damaged on your trip.

What if I have a pre-existing condition?

A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance. This includes having symptoms, tests, diagnosis or medical treatment for a condition.

You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913 .

Your pre-existing conditions won’t be covered unless you’ve:

• Declared them all on your policy
• Received written confirmation that we’ll cover your medical condition
• Paid any additional premium in full

Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on your policy.

If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.

For a quote with us, click the green button above.

The MoneyHelper directory

If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medical directory.

If you wish to get in touch with them you can call them on 0800 138 7777 or find them online . (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)

Need help with your quote? Give us a call.

• Monday to Friday: 8am - 10pm
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• Sunday: 10am - 6pm

Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines.

Getting the most out of your trip

Going anywhere nice.

Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.

Travel insurance that suits you

Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.

Family Travel Insurance

Travelling while pregnant, travel insurance over 65, travelling with medical conditions, travel insurance upgrades.

Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy.

Cruise Travel Insurance

Ski travel insurance, gadget travel insurance, adventurous sports insurance, single trip insurance, annual trip insurance.

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Insurance for Students Studying Abroad

Our Study Abroad Insurance Plans are for US Citizens  studying abroad or enrolled directly at a foreign school .  In either case, make sure you have reviewed your coverage options.  You may be able to save money and get additional benefits from buying a plan directly from one of our providers.  Make sure you review the student health plan’s package of benefits, exclusions, and coverage amounts to ensure you are getting what you need – at the right price.

Global Student Insurance Plans

Our International Student Health Insurance plans are available to anyone studying in a foreign country.  You may choose to purchase a policy on your own as an alternative to the school’s plan.  Sometimes, you can lower your costs while securing a better plan when buying outside the school plan.  This often makes more sense for older students, OPT participants , married students, or students with families.

Best Plans for Study Abroad and International Students

Worldtrips studentsecure plan.

WorldTrips offers the Student Secure plan for international students enrolled in foreign schools and students studying abroad for less than one year. The Student Secure plan is ideal for foreign students enrolled at US colleges and universities.

• Provides Medical, Dental, Evacuation and other Benefits
• Keep your coverage when your studies last multiple years
• Medical providers are available in over 130 countries worldwide

GeoBlue Student Plan

The GeoBlue student plan is the Navigator plan for study abroad. The Navigator plan is an excellent option for US students studying abroad or international students in the USA . Eligible applicants include:

• Foreign Students living and studying in the U.S.A.
• International Faculty and Research Scholars in the U.S.
• Optional Practical Training (see OPT Insurance ) Participants living in the U.S.
• U.S. Students and/or Faculty planning on studying or teaching outside of the U.S.A.

GeoBlue Student Medical Coverage

• Worldwide medical coverage built for students and faculty in the U.S. and abroad.
• Select from a range of deductibles and rates.
• Choose providers either in or out of our elite network.

IMG Student Health Advantage

IMG offers the Student Health Advantage plan for students studying abroad or enrolled in foreign colleges and universities. It is also a good option for international student health plans in the USA .

• Standard and Platinum level benefits available.
• Coverage for individuals and groups and their dependents.
• Freedom to seek treatment with hospital or doctor of your choice.

Best Plans for F-1 Visa Students Enrolled in the USA

The insurance requirements for F-1 student visas in the United States are typically specified by the U.S. Department of State and the U.S. Citizenship and Immigration Services (USCIS). F-1 visa holders are generally required to have health coverage that meets specific criteria. However, please note that policies and requirements may change, so checking for the most up-to-date information is essential.

Here are the basic requirements for F-1 student visa insurance:

• Minimum Coverage Amount: The plan must provide a minimum coverage amount for medical expenses. The specific amount can vary by school, but it is typically set to cover a reasonable level of healthcare costs.
• Medical Evacuation and Repatriation: The plan should include medical evacuation and repatriation coverage. This means that the plan should cover the cost of transporting the insured back to their home country in case of a serious medical emergency.
• Deductibles and Co-payments: The plan may have specific requirements regarding deductibles and co-payments. Ensure that the out-of-pocket costs are reasonable and within the accepted limits.
• Coverage Period: The coverage should be maintained for the entire duration of the F-1 status. This includes the period of authorized stay in the U.S., including any Optional Practical Training (OPT) periods.
• Insurance Provider: The plan must be provided by a reputable insurer and meet the criteria set by the school or institution.

F-1 students must check with their designated school official (DSO) or international student office to understand the specific insurance requirements imposed by their educational institution. Schools may have their own policies or additional requirements beyond the government regulations.

Recommended Policies for F-1 Students

General student health plan requirements.

Most international educational programs, universities, and colleges require their students to purchase an international student health insurance plan for their enrollment period. These requirements can vary depending on your university or college and can apply to any student or dependents traveling with you as well.

Although the student insurance requirements at your school can vary, you should make sure that your health plan includes at least the following benefits:

Medical Coverage for Students

Universities, and typically the host country, require a minimum amount of medical coverage on your student health plan. This dollar amount sets the minimum limit for eligible medical expenses that your student medical plan will pay (often a maximum). Review the maximum and minimum coverage for the policy and each benefit. (For more comprehensive long-term international health insurance  or  compare global health insurance plans.)

Emergency Medical Evacuation

Another important aspect of international student health policy is emergency evacuation . This benefit of a study abroad insurance plan covers your costs if the local facilities in which you fall injured or ill cannot give you proper care. If deemed necessary by the acting physician and your insurer, this coverage will provide transportation to the nearest facility to properly treat your condition. This type of coverage does not guarantee travel back to your home country in this situation unless deemed necessary by your attending physician.

Repatriation of Remains

Repatriation of Remains, or the Return of Mortal Remains, provides funds in the event of your death while you are outside your home country. In an unfortunate event like this, shipping your remains to your family back home can be expensive. This benefit will provide the proper planning, logistics, and financial coverage for your family members.

Choose one of the plans below, including evacuation, repatriation, and all other benefits most schools require.

For group quotes, see: Student Group Insurance Plans

Our recommended International Student Plans: Student Secure Plan :  Learn More   |  Free Quote / Apply Navigator for Student :  Learn More   |  Free Quote / Apply Student Health Advantage :  Learn More   |  Free Quote / Apply

Author: Joe Cronin , Founder and President of International Citizens Insurance . Mr. Cronin, a former expat, is an authority in the areas of international travel, and global health, life, and travel insurance, with expertise in advising individuals and groups on benefits for today's global workforce. Follow him on LinkedIn or Twitter .

Get a fast, free, international insurance quote.

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How to Get the Best Car Insurance

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For a lot of people, buying car insurance is like buying sliced bread. It’s not the most exciting purchase, and the options all seem similar. So thrifty shoppers might simply reach for the cheapest thing on the shelf. But like cheap bread, cheap car insurance may leave you wishing you spent a little more on quality.

“The cheapest is not always the best,” warns Jessica McNally, an agency owner with Goosehead Insurance in Dallas. That’s because there are lots of factors that make up a car insurance company. And while price is one of them, it’s best to look at the bigger picture.

Here’s what to look for when picking the best car insurance company.

1. Choose a financially stable company

The best car insurance companies have plenty of money on hand to pay for customers’ claims. It’s important to check an insurer’s financial stability before buying a policy, especially if it’s a smaller insurer you’ve never heard of.

There are several independent agencies that evaluate the financial strength of insurance companies. One example is A.M. Best. You can use its online search tool to find an insurer’s financial strength rating. Companies with a rating of A or higher are considered to have an excellent ability to pay out customer claims.

2. Check customer satisfaction ratings and reviews

Not every insurer is customer-first. That’s why it’s important to research the customer satisfaction of insurers you’re considering.

You can turn to surveys from companies like J.D. Power to find insurers with the best customer satisfaction scores [0] J.D. Power . Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds . Accessed May 21, 2024. View all sources . Or, if you don’t mind doing a little detective work, you can compare customer complaints against insurers by using the National Association of Insurance Commissioners’ website . But take other people’s emotionally charged comments about companies or agents you might read online with a grain of salt, McNally advises.

3. Look for convenience

A great auto insurer should offer multiple ways to manage a policy. For example, some insurers allow customers to use a mobile app to file and track claims. But it’s hard to tell how simple it’ll be to file a claim or perform other essential tasks, like paying your premium, before becoming a customer.

Some telltale signs that an insurer will be easy to work with are high mobile app ratings, flexible customer service hours and an easy-to-use website with helpful content. Consider asking a company representative to walk you through the claims process to learn what you’ll need to do if you have to file a claim. And pay attention to how the company communicates with you. "If they don't properly communicate, well, that's a warning sign," says Michael DeLong, a research and advocacy associate for the nonprofit Consumer Federation of America.

4. Pick an affordable company

Car insurance premiums are stretching to record-breaking heights [0] U.S. BUREAU OF LABOR STATISTICS . Consumer Price Index for All Urban Consumers (CPI-U) . Accessed May 21, 2024. View all sources , and almost half of U.S. consumers shopped for a new car insurance policy in the past year, according to an April 2024 report by J.D. Power [0] J.D. Power . Half of Auto Insurance Customers Currently Shopping for New Policies, J.D. Power Finds . Accessed May 21, 2024. View all sources . The best car insurance companies offer competitive rates and a variety of potential discounts.

It’s not hard to get car insurance quotes online from many companies. Make sure you compare the same coverage options throughout the quote-gathering process. And don’t forget to look for car insurance discounts, like breaks for being a good driver, paying your premium in full or driving a new car.

More tips to find the best car insurance

When shopping for the best car insurance, keep the following tips in mind.

Assess your needs. Before buying car insurance, take a moment to reflect on what’s important to you and your family. For example, maybe you prioritize affordability and a well-polished mobile app, but don’t need accident forgiveness .  

Consider small insurers. There are lots of small insurance companies you’ve probably never heard of. These regional insurers may provide lower rates and better customer service than the big companies you see advertised on TV.

Work with an independent agent. While it may be easy to get quotes yourself, independent car insurance agents and brokers can streamline the process. These experts vet companies and compile quotes from small and large insurers on your behalf. Independent agents and brokers can especially come in handy if you have a less-than-perfect driving record and can’t find insurance on your own.

Do your research. Search online for recent mentions of a company in the news before buying a policy, recommends DeLong. If you find a company has lots of recent lawsuits against it, you may want to think twice about signing on the dotted line. “And if they've had to pay out settlements, that's an even bigger red flag,” DeLong says.

Shop around once a year. Make a practice of shopping for car insurance every year — especially if price is important to you. Insurers adjust car insurance rates regularly, so what might have been the most affordable option last year may no longer be a bargain.

On a similar note...

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Coming to the United States Temporarily - Nonimmigrant Visa Services Coming to the United States Permanently - Immigrant Services Special Visa Services

This webpage lists visa application fees and other visa related fees collected by Department of State. Note that many immigration-related forms are submitted to the Department of Homeland Security’s United States Citizenship and Immigration Services (USCIS), and not to the Department of State. If the type of information or form you are seeking is not shown here, select USCIS Forms and Fees  to go to the USCIS Website to review more.

Coming to the United States Temporarily - Nonimmigrant Visa Services

Nonimmigrant visa application processing fees are tiered, as shown below, based on the visa category for which you are applying.

Notice: Every visa applicant must pay the visa application processing fee for the visa category being applied for, unless the application fee is not required, as listed below .

Description of Service and Fee Amount (All fees = $ in US currency)

Nonimmigrant visa application processing fee (non-refundable) for all categories below

• Non-petition-based nonimmigrant visa (except E): $185.00

Includes (but not limited to), the following visa categories:

*Though petition-based nonimmigrant visas, the processing fee for these visas is $185.00

• Petition based visa categories: $205.00

Includes these visa categories:

• E - Treaty Trader/Investor, Australian Professional Specialty category visa: $315.00
• K – Fiancé(e) or Spouse of U.S. citizen category visa: $265.00

Border crossing card fees

• Border crossing card - age 15 and over (Valid 10 years): $185.00
• Border crossing card - under age 15; for Mexican citizens if parent or guardian has or is applying for a border crossing card (valid 10 years or until the applicant reaches age 15, whichever is sooner): $15.00
• L visa fraud prevention and detection fee - for visa applicant included in L blanket petition  (principal applicant only): $500.00
• The Consolidated Appropriations Act of 2016 (Public Law 114-113) increases fees for certain H-1B and L-1 petitioners.  Consular sections collect this fee for blanket L-1 visa applications (principal applicant only) filed by petitioners who employ 50 or more individuals in the United States if more than 50 percent of those individuals are in H-1B or L-1 nonimmigrant status: $4,500.00 

When the nonimmigrant visa application processing fee is not required:

• Applicants for A, G, C-2, C-3, NATO, and diplomatic visas (defined in 22 CFR 41.26): No Fee
• Applicants for J visas participating in official U.S. Government-sponsored educational and cultural exchanges: No Fee (See Exchange Visitor Visas for further detailed fee information.)
• Replacement of machine-readable visa when the original visa was not properly affixed or needs to be reissued through no fault of the applicant: No Fee
• Applicants exempted by international agreement as determined by Visa Services, including members and staff of an observer mission to United Nations Headquarters recognized by the UN General Assembly, and their immediate families: No Fee
• Applicants travelling to provide charitable services as determined by Visa Services: No Fee
• U.S. government employees travelling on official business: No Fee
• A parent, sibling, spouse or child of a U.S. government employee killed in the line of duty who is traveling to attend the employee’s funeral and/or burial; or a parent, sibling, spouse, son or daughter of a U.S. government employee critically injured in the line of duty for visitation during emergency treatment and convalescence: No Fee

Nonimmigrant visa issuance fee, including border-crossing cards.

• See the  Visa Reciprocity Tables  to find out the visa issuance fee amount, if applicable:  Fee varies (Reciprocal)

When the nonimmigrant visa issuance fee is not required:

• An official representative of a foreign government or an international or regional organization of which the United States is a member; members and staff of an observer mission to United Nations Headquarters recognized by the UN General Assembly; and applicants for diplomatic visas as defined under item 22(a); and their immediate families:  No Fee
• An applicant transiting to and from the United Nations Headquarters:  No Fee
• An applicant participating in a U.S. government sponsored program which may include applicant’s dependent spouse and children:  No Fee
• An applicant travelling to provide charitable services as determined by Visa Services:  No Fee

Other - When a Visa is Not Required - Visa Waiver Program

• Citizens of Visa Waiver Program participating countries, and meeting requirements pay a small fee. Select USCIS fees to learn more.

Coming to the United States Permanently - Immigrant Services

Immigrant visa application processing fees are tiered, as shown below, based on the visa category you apply for.

Notice: Every visa applicant must pay the visa application processing fee for the visa category being applied for.

Filing an Immigrant Visa Petition  (When collected by U.S. Embassies and Consulates for USCIS. Fees subject to change.)

Immigrant Visa Application Processing Fees (non-refundable, per person) 

Note: Forms and fee amounts are listed for immigration petitions which are submitted to Department of State, either accepted at a U.S. Embassy or Consulate abroad, or within the United States to the National Visa Center or Kentucky Consular Center. Other immigration related forms can only be approved by the Department of Homeland Security's United States Citizenship and Immigration Services (USCIS). For other fees (relating to forms starting with an "I" select USCIS Forms and Fees for additional information.

Special Visa Services

Note:   These fee charts are based on the Code of Federal Regulations - Title 22, Part 22, Sections 22.1 through 22.7.)

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What to do if your USA Student Visa Gets Cancelled?

What does US Student VISA Cancellation mean?

• From the Embassy or Consul located in their Country, their email will inform the cancellation and the reason behind it
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When does a US Student Visa get Cancelled?

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