Students going abroad to study or students coming to the U.S. to study need to think about how they are going to provide for health insurance during their time in school.
Even if you’re just planning a vacation, student travel insurance is something you have to consider. Sometimes, the institution you will be attending will have a health program you can join. But that may not be the most cost effective or meet all your needs.
If you’re studying abroad, you want to have protection for your travel to and from your home and adequate medical coverage while you’re there. Let’s say you’ll be spending the next year studying in Europe. You may want to do some traveling while you’re over there. You’ll want to have travel coverage for multiple trips during the year.
You’ll certainly want to have coverages for doctor and hospital expenses as well as needed medications. If you’re traveling on a visa you will probably need to show you have medical evacuation insurance in case you become seriously ill and need to be evacuated out of the country or back home to receive proper medical treatment.
Do You Need Adventure Activity Coverage?
If you plan to do any skiing or other adventurous activities while you’re gone you better have some kind of hazardous activities coverage. Don’t think that just because you have some kind of travel health insurance everything you do will be covered no matter what happens. That’s just not the case and it’s better to prepare ahead of time rather than be surprised if something happens.
Important Coverages You Need
So here are the things you want to make sure you have some kind of travel coverage for:
- Medical Coverages:
- Inpatient and outpatient charges from a hospital.
- Charges from a physician, surgeon, radiologist, anesthesiologist, or other medical specialist.
- Charges for dressings, sutures, casts or other supplies prescribed by the attending physician or specialist.
- Charges for diagnostic testing using radiology or laboratory services.
- Charges for oxygen and other gases and anesthetics and their administration.
- Charges for prescription drugs for treatment Injury or Illness,
- Charges made by a licensed Extended Care Facility upon direct transfer from an acute care Hospital.
- Emergency local ambulance transport.
- Hospital indemnity: If you require the admission to a hospital during your stay.
- Emergency Dental Care:To cover the acute onset of pain or to replace or repair teeth injured as a result of an accident.
- Trip Cancellation and Interruption: Delayed flights and missed connections can cost you extra money that you don’t have. Get the right protection.
- Lost Baggage: Don’t take a chance on losing your luggage when you’re starting off for school. What happens if you never get it back or it is badly damaged when you do get it?
- Emergency Medical Evacuation: This is an absolute must. If you’re on a visa it will probably be required. Should you ever need to be medically evacuated for proper care the cost can be unbelievably expensive – $50,000 +. Don’t take any chances.
There are other coverages available with good student travel insurance so spend some time and do your homework before you buy. Look at your specific needs and then make an informed decision. But whatever you decide make sure you have travel coverage. It’s not worth the risk of being uninsured.
Compare Quotes for the Best Value in Travel Insurance
The easiest and best way to make sure you get the most value for your travel insurance dollar is to compare quotes for annual travel plans from the leading travel insurance carriers. It’s easy, quick and can save you money. Try it here.