How to choose the right travel insurance for students?
iStock_000007697683Medium-ConvertImage Academic stays or internships abroad are always enriching experiences, but we are never immune to the unforeseen: an illness or an accident which leads the student to cancel his training during the road can ruin everything, as well as cause significant expenses.
Student travel insurance is an excellent solution to allow you to leave with peace of mind knowing that you are covered if necessary.
Travel insurance: for what types of student travel?
University studies, internships, language stays and other training lasting from a few days to a full academic year are taken into account as part of student travel insurance.
What are the coverages of such insurance?
Student travel insurance offers guarantees in several areas and must include at least the cover below:
Medical and hospital costs, which can be exorbitant in some countries, especially for emergency medical costs.
Repatriation to the country of origin in the event of illness, accident or major health problem. This warranty often includes the cost of medical assistance during the return, but it is best to check this in the contract.
Civil liability: the financial consequences of the civil liability that the student may incur in his private life for damage accidentally caused to any person other than the insured or his family. This clause is frequently valid for objects entrusted as part of a training course. However, internships relating to medical and paramedical fields may be excluded.
Death insurance: in the event of the death of the student during his training, the insurance takes care of the repatriation of the body to its country of origin.
Loss, theft or destruction of baggage during the outward and return journeys. The insurance reimburses part or all of their value under certain conditions.
Interruption of studies cover: following medical repatriation or in the event of hospitalization for more than 45 consecutive days, the insurance will reimburse you pro rata temporis, the registration fees for the educational establishment already paid and not used (excluding all other costs) and subject to deduction of any reimbursement made by the latter, up to the amount indicated on the table of guarantees.
Other guarantees such as the presence of a family member in the event of long-term hospitalization, early return in the event of the death of a close family member, research costs or even legal assistance can also be included.
Finally, as with any insurance contract, it is always a good idea to get information from an insurer specializing in student insurance on coverages, exclusions, reimbursement terms and contacts in the event of a loss. emergency in order to be able to take full advantage of its advantages.
How to take out student travel insurance?
The purchase of student travel insurance can be done with a specialized broker, either individually or in a group. For group contracts, the educational institution will often be the initiator.
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