Get Your Student Travel Insurance by InstaCover
Get Your Student Travel Insurance Covered with InstaCover India
Student Travel Insurance
Student Travel Insurance offers a distinct benefit of offering you the advantages of both International Travel and Health Insurance combined in a single package. This travel insurance is specifically designed for students who are studying in countries overseas to cover for any kind of damage or loss they may incur during their travel and stay while abroad.
Expenses for medical assistance, or loss of any kind of luggage, baggage or document of value can be an issue and a troublesome situation for anyone travelling overseas for their education. To keep you completely stress-free from any of such issues, especially financially, a student travel insurance works as a feasible solution.
In case if you as a student are planning to travel overseas for higher education, its best suggested to go with a proper student travel insurance plan.
There are Reasons Why You Should Get a Proper Student Travel Insurance to Study Abroad
From emergency medical hospitalization to your baggage getting lost during transition, there are a variety of incidents that you as a student are vulnerable to when you are overseas for your education. To add more to that, the cost of managing things there especially medical expenses is also sky high as compared to that in India.
A student travel insurance plan helps you cover for all such expenses including medical and non-medical expenses as well. The various events where a student travel insurance can cover for your expense are:
- loss of checked-in baggage, etc.
- Bail bonds and tuition fee
- delay in take-off or cancellation of flight
- Loss of passport
- Compassionate visit
- Bail bond cover.
**For the complete list of inclusion, kindly consult with our agents, or connect with us on our toll-free number at +91-9995551863.
There are several countries where it is mandatory for any international students to get a proper student travel insurance in order to adhere with their guidelines. In order to do so, universities and educational institutions also offer its students insurance plans, however, compared to those, its way better to get a budget-friendly and equally benefitting Student Travel Insurance Plan from India, and what better option to look for that InstaCover India! Besides, if you are applying for a Schengen country, you will need a valid student travel insurance plan just to apply for a valid visa, so you would want to rethink of not getting one for your travel needs.
Looking for your Student Travel Insurance?
When it comes to helping you get the maximum benefits from your student travel insurance plans, InstaCover India stays ahead of the game in helping you up get the best and most benefits from you basic Student Travel Insurance plan.
Call us now at the given phone number and we will help you in the best way to get a suitable Student Travel Insurance Plan.
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+91-9995551863
Key Features of InstaCover India Student Travel Insurance Policy
Student Travel Insurance comes with a variety of features to help students get education overseas with least financial stress. Some of these amazing features include:
Worldwide Coverage
Student Travel Insurance covers up for almost all the countries around the world, so no matter which country you study in overseas, you get full covers for your student travel insurance.
Travel Assistance
You get complete assistance in case if you face difficult depending on the add-ons and scope of your student travel insurance policy.
Covers for Accidents and Illnesses
You get covers for any accidents or issues where your medical expenses are covered up by the insurer company itself. Again depending on the scope of your policy, you may also be liable to get cashless treatment benefits depending on the hospital network of the insurer company.
Refund On Policy Cancellation
There can be exception of your respective college/university not accepting your student travel insurance policy that you have got form India. In such a scenario, you get completely refunded for your policy from the insurer. The best part, we are always there in your journey to help you up.
Baggage Loss or Delay
Get covered for any luggage/baggage loss or delay during your travel overseas for education with a proper student travel insurance plan.
Hijack Allowance
While the chances of this event to happen are quite low considering the high-end and advanced security, still, you get covered for any loss and trauma that you go through due to this unexpected event.
Personal Liability
You get covered for any third-party loss in case if you get involved in any accident while on your stay abroad.
Auto-Renewal
There are several insurer companies that offer auto-renewal feature in case if your policy term is to expire, so you don't have to go through the renewal hassle.
Compassionate Visits
Get cover for any compassionate visit from your family in case if you get hospitalized for more than seven days.
Easy Extensions
Exam delays are a no big deal in educational institution, and most of the insurer companies acknowledge that. So again, you need not go through any hassle in case if your exams get delayed when considering your student travel insurance policy.
Student Interruption Cover
Student Interruption Cover is another important feature that allows you to get reimbursed for any excessive tuition fees paid for situations where you have to take leaves due to regular medical attention need. This also includes cover for any other instance whose detailed elaboration is provided at the time of selecting the policy. You can call us at +91-9995551863 for more details.
Top Study Destinations for Students
Here is a list of the top five destinations for that most Indians prefer for their education abroad. And there are good reasons for that as well, since these top destinations are the ones that are mostly covered by all insurer companies so you don't have to worry about going through any trouble when proceeding with these below mentioned countries for your education:
Canada
Canada is one of the top choice for Indian students when it comes to higher education and that is for its high-end hospitality for students and a relatively low cost of education and living when compared to other counterpart countries.
USA
USA has been one of the prime hubs for education thanks to its highly distinguished and globally renowned universities. That's not all, USA has some of the highest placement ratio with almost two third of students landing a proper job posting finishing their education.
Australia
Australia has some of the highest visa acceptance ratios when it comes to student and education visa and also offers a large variation of opportunities when it comes to higher studies.
Germany
Germany offers a distinct advantage of providing free education to international students through its public universities and is emerging as a new destination for students. However, there are a few mandatory rules needed to follow in order to be eligible for higher education, and this essentially includes a valid travel health insurance for students.
United Kingdom
Being a place to some of the oldest and most reputed education centers such as Oxford and Cambridge, UK still owns its spot in being among the top five destination for higher education for Indian students. However, the cost may be a bit higher compared to other counterpart countries, still the quality is something that is always worth it.
Advantages of Getting An International Student Travel Insurance
To get protected from any unwanted unforeseen adversities, a good and valid International Student Travel Insurance is necessary and here are a few good reasons to acknowledge that!
Stay Safe
Stay assured that any unwanted happening that may cost you financial losses will be completely covered with a valid student travel insurance.
High Medical Costs
Most countries abroad have very expensive medical costs compared to India but this burden can also be dealt with a proper student travel and medical insurance policy.
Protects Student's Personal Savings
Getting complete costs covered for your unwanted expenses helps you keep your personal finances safe for a better and brighter future.
Hassle Free Claims
Most insurance companies have their representatives and even appropriate offices abroad, besides consistent customer support to help you get timely claims in a hassle-free fashion.
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Other Things Related to Student Travel Insurance that You Must Know
Most travel health insurance plans for students nowadays offer cover for any mishap that includes COVID-19 as a cause, including flight delay troubles to covering for medical expenses in case of hospitalization and medication. This feature is offered by almost all insurer companies.
Here are a few things you can help you save some good money in terms of premiums when selecting an International Travel Insurance Plan:
- Review and Compare the various insurance plans online: Internet offers some of the platforms to compare various insurance plans for student travel and medical insurance. InstaCover India offers live help regarding various benefits and offers related to international student travel insurance plans when it comes to selecting the best one that fits your needs.
- Understand and Evaluate the Risks Involved: When comparing plans, its best to understand, evaluate and analyze the overall risks involved, including that of your needs and wants. If your requirements are being fulfilled in a one plan, there is no need to go for any higher cost plans! Its just a matter of proper evaluation, and InstaCover helps you with that in every step.
- Do not waste any time post admission confirmation: The lesser the number of days left for you to travel, the higher is the cost of insurance premium involved for your student travel insurance, so it is best suggested to not waste any time in getting a proper student travel insurance plan once you get assured of your admission in the college/university you had applied for.
- Choose the Right Deductible: Deductibles enable you to pay less when you go for your insurance claims thus affecting the main cause of you getting insurance – a timely and assured claim! So make sure you choose an appropriate deductible amount that enables you to get the most out of your insurance in the time of need.
Here is a list of the benefits that are included by most insurer companies in their student travel insurance plans:
- Covers for Charges Incurred Due to Emergency Medical Expenses
- Expenses for any dental treatment are covered under this insurance plan
- Cover for permanent disability caused due to accident (as pre-decided in the policy)
- Pre-decided compensation provided to family in case of accidental death
- Cover for body repatriation provided in case of accidental death (pre-decided or as per the expense, whichever is less)
- Cover provided in case of emergency medical evacuation is required (pre-decided or as per the expense, whichever is less)
- Cover provided in case if the checked-in luggage is lost at the time of travel, including that for personal documents
- Cover provided in case if a connecting flight is missed due to inconvenience caused by the airline
- Ger covered for any expense due to trip delay that spans over 12 hours
- Cost of duplicate passport issue covered in case if the policyholder has lost their passport
- Get covered for any liability in form of third-party caused due to you being involved in any mishap or accident
- Get study interruption cover in case if education continuation is affected due to some issue (issue so mentioned must be covered in policy plan chosen). This includes sponsor protection cover as well.
- Get Cash Allowance benefit in case if you get hospitalized for more than the number of specified days
- Get covered for any cost incurred due to detention or arrest by local police in case if offense is bailable
- Ger covered for compassionate visit by your family members
- Cover for emergency accommodation offered in case if the policyholder is not able to live in their designated accommodation location due to a natural calamity.
Here is a list of the common and specific situations that are excluded in terms of covers when talking of student travel insurance plans:
- Pre-existing medical ailment not provided until and unless specified in the policy
- cover for passport loss not provided if it is lost due to policyholder’s negligence. This includes failure to report the same to local authorities.
- partial damage to loss or damage to your baggage is not covered
- war situations are not covered by most insurer companies
- injuries or loss caused due to alcohol and drug abuse is not covered
- loss caused due to mental health disorder not covered
- loss due to any venereal and/or terminal disease
- loss due to suicide or self-damage infliction.
Most travel insurance policy provider companies offer extension of policy tenure in case if your stay gets extended in foreign country due to unexpected delay. However, in such a case you need to inform your insurer company and also make payment for any additional premium depending on the terms and conditions applicable.
Here are a few cases where you can extend your student travel insurance plan:
- if your student travel insurance has not expired
- insured sum remains same even after extension
- no claims issued on medical regards during the tenure of the policy
- policy can be easily extended if insurer declares that there is no pre-existing health condition
- policy can be extended if the payment for extension is made prior to the extended period duration coming into effect
- extension is applicable if the total policy duration does not exceed 2 years (including extended period)
There is a limitation with various insurer companies that they allow for extension only once, still this number actually depends on your insurer.
You can also make an extension of your student travel insurance policy in case if you have made for the following covers:
- treatment for dental issues
- due to passport being lost
- due to loss of baggage post check-in
- due to trip delay caused by inconvenience from the airline
- due to trip cancellation or trip interruption caused by inconvenience from the airline
- due to missed connection flight caused by inconvenience from the airline.
Extend your policy as soon as you get informed of any event that may cause your stay to extend in foreign land.
NOTE: The extension of the policy solely depends on the discretion of the insurer company.
There are the steps to follow when you fall in need to file a claim for your student travel insurance:
- Connect with your insurer company or get in touch with InstaCover India if you have processed your insurance through InstaCover.
- In case if it is not possible to inform your insurer company (such as in case of illness or emergency hospitalization) on time, do relay the information as soon as possible for a successful claim.
The claim process nowadays is easy due to easy availability of the insurer online via mobile application or simple internet browser.
It is possible to cancel your student travel insurance policy anytime provided you offer a valid and relevant reason for this purpose. The process goes:
- Provide notice in written consent to the insurer company 15 days in advance with complete details of the documents (passport, policy number, and reason for cancellation);
- In case if the trip is not undertaken, you can cancel the policy within seven days from the date of travel or the date of expiry of your plan
- the policy gets processed by the insurer company and once validated, your request for cancellation is approved and you are provided the refunds (post deductions if applicable).
Here is how InstaCover India can help you to choose the best and most ideal student travel insurance plan to suit your needs:
- help you compare different insurance quotes from various companies;
- help you understand your requirements;
- help you get done with your insurance shopping quickly and assure you assistance 24*7 when it comes to taking benefits from the policy.
For any other assistance required, we are just a call away. Connect with us at +91-9995551863.
FAQs Related to Student Travel Insurance
Yes, this happens in most cases and insurer companies many a times offer appropriate refund of the premium.
This list of countries includes Cuba, Afghanistan and the Democratic Republic of Congo.
From offering you a proper financial cover in case if you fall into some unexpected event, to a mandatory requirement by many universities/colleges abroad, student travel insurance plan helps you up in many ways and is more than just a need for you.
Anyone that is between the age range of 16 to 35 years and is going overseas for higher education can apply for an international student travel insurance plan.
While not being a universal mandatory rule, an international student travel insurance plan is still beneficial for anyone who is looking to go for education overseas. However, the top countries in terms of education destination such as Canada, Germany, USA, UK all require the individual to own a proper international student travel insurance plan as a mandatory rule.
Yes, all applicants are required to obtain a valid international student travel insurance plan before leaving abroad for studies.
While most of the colleges and universities accept student travel insurance plans from India, this however depends on the discretion of the university/college’s discretion.
Emergency Assistance Providers are authorities assigned by your insurer company that help you get appropriate assistance in case of any emergency abroad and assist you getting claims and settlements.
Yes, this is a common issue faced by many insurer companies and almost all of them carry this small window of exception and help you process your refunds if your university/college does not accept your opted international student travel insurance plan.
In such a case, your insurer company offers complete coverage as per the policy defined and offer you reimbursement for your medical expenses. Depending on the cost, you may get cover for the expenses incurred, or the maximum entitled amount, whichever is less. In the worst-case situation of death, your family gets compensated with the entitled amount as per the policy.
This is something that varies from insurer to insurer. However, most of the insurers offer covers for medical treatment and evaluation, dental treatment, personal accident, passport and/or baggage loss, study interruption and personal liability cover.
Most of the international student travel insurance plans cover for medical expenses incurred due to injuries caused while participating in college/university event. Just make sure your insurance policy has the specific add-on to cover up for the costs.
In such a scenario, the insurer company helps you cover for the cost of obtaining a duplicate passport. However, this is only applicable if the loss is due to a valid reason and not your own negligence. Besides, this event also needs to be reported to the local authorities on time in order for the request to be processed by the insurer.
This only applies for check-in luggage and not hand baggage. You will get compensated as per the policy in case of delay in arrival, or loss of your checked-in luggage.
Most of the insurance companies cover for any medical costs incurring due to pregnancy and related complications, however, this should always be checked in the policy terms and conditions at the time of purchasing the insurance.
This is something that completely depends on the company you are working with. InstaCover India assures you discounts when it comes to getting your international student travel insurance.
The window period to file a claim is 30 days in case of international student travel insurance. So you can even file a claim within 30 days even if you are travelling to India. Just make sure you do so within 30 days from the date of the happening of incident or billing (whichever comes first as per the preference and terms and conditions mentioned in the insurance policy).
Looking for your Student Travel Insurance?
InstaCover India offers a variety of benefits and advantages in terms of covers and savings, so when searching for a good Student Travel Insurance, you need to look no further!
Call us now and we will do the best we can to help you out with your Student Travel Insurance needs
