Every year, thousands of Indian students used to pack their bags to fulfill their dream of studying abroad. Especially during the summer in India, which marks the beginning of new sessions of short-term courses and global academic programs between May and August. This is where student travel insurance buying is a financial protection against sudden illness, lost baggage, or a delayed flight; the right insurance policy has your back.
In this blog, we’ll understand why student travel insurance is important, what to look for, and the best plans to consider for your summer study program abroad.
What is Student Travel Insurance?
Student travel insurance is a specialized type of insurance designed especially for students from India who are traveling abroad for higher studies. It offers coverage against study interruptions, medical emergencies, or passport loss. This insurance ensures peace of mind for students and parents by offering financial protection throughout the academic journey.
Key Benefits of Student Travel Insurance
- Medical Emergencies - Includes doctor visits, pre- and post-hospitalization expenses, and emergency medical evacuation.
- Any sort of trip interruption/delay - covers flight delays, cancellations, and interruptions.
- Passport/Baggage Loss - Offers compensation and assistance for the loss of any sort of important travel documents like passports, visas, or any identity proofs.
- Study Interruption - Covers non-refundable tuition fees if studies are interrupted due to unforeseen events.
- 24/7 Assistance - Many plans offer global helpline numbers for emergencies, even in different time zones.
How to choose the right Summer Travel Insurance Plan for Summer Study Abroad?
- Affordable Premiums - Premiums are highly affordable. Keep in mind that a student has to pay the same.
- Comprehensive Medical Coverage - Including COVID-19-related treatments or any unforeseen circumstances.
- Coverage for Study-Related Risks - Includes tuition fee reimbursement.
- Personal Liability Protection - In case you’re held responsible for accidental damage or injury.
- Cashless Hospitalization - For ease of access in emergencies.
Most Popular Student Travel Insurance Plans in India
Here are some of the top-rated insurance providers offering specialized student travel insurance plans for summer study abroad programs. Online, you can explore more plans.
Tata AIG Student Guard Plan
- Comprehensive coverage for travel, health, and personal belongings.
- Covers study interruption and sponsor protection.
- 24x7 global assistance
HDFC ERGO Student Suraksha
- Covers all types of medical expenses, personal liability, and compassionate visits.
- Includes adventure sports and pre-existing disease coverage (in some cases).
Bajaj Allianz Student Elite Plan
- Reimburses tuition fees and loss of passport.
- Offer protection against emergency evacuation and family visit benefits.
- Optional coverage for cancer screening and maternity.
Religare (Care) Explore Student Plan
- Includes COVID-19 hospitalization.
- Automatic policy extension in case of study delays.
- Quick claim settlement process.
ICICI Lombard Student Travel Insurance
- Simple claims process and a broad network of hospitals.
- Covers loss of checked baggage, trip delays, and emergency medical expenses.
Final Thoughts
Summer study abroad programs are transformative, but unpredictable situations can occur. Investing in a reliable student travel insurance plan ensures that nothing stands between you and your global learning journey. Before you pack your bags and board your flight, secure your adventure with the right insurance policy. It’s one of the smartest decisions you’ll make as a global student.
FAQs on Student Travel Insurance
What is Student Travel Insurance?
Student Travel Insurance is designed to offer financial coverage to students traveling abroad for educational purposes. It covers medical emergencies, trip delays, lost documents, and more.
Why do I need Student Travel Insurance for a summer program?
Summer programs are short but intensive at the same time, and even a minor mishap abroad can affect your learning. So, student travel insurance ensures peace of mind while you can focus on your studies.
When should I buy the policy?
Ideally, you should buy your student travel insurance before your departure, right after your program acceptance, to get the maximum benefits and pre-departure coverage.
Can I buy insurance for a short-duration course or internship abroad?
Yes, you can buy a student travel insurance plan for short-term courses, internships, and exchange programs as well.
What happens if I extend my course?
Some policies allow the extension even before expiry. For this, you may contact your insurer in advance to update or extend your coverage.
