Travel Insurance
If you are an international student, it is essential to have insurance plans that cover your medical and travel expenses. Preferably, international students should opt for two types of insurance policies:
- International Travel Insurance
- Travel Health Insurance
1. International Travel Insurance
Embarking on the journey of studying abroad is akin to fulfilling a cherished dream for numerous students. It signifies a pathway to countless opportunities and a chance to carve a defining niche in your career.
Amidst the thrill, numerous risks loom - medical emergencies, lost checked-in baggage, passport loss, and many more. In such situations, securing international travel insurance is vital for a safe international trip. As insurance companies offer insurance plan variants, you may buy the most appropriate plan for your requirements and budget. The Major international travel insurance benefits include medical expenses, flight delay/cancellation, accidental death and disability, baggage loss/delay, hijack allowance, dental cover, and repatriation of mortal remains. You may have special add-ons like adventure sports cover, home burglary insurance, coverage for pre-existing diseases, mental/ nervous disorders, etc. Thus, international travel insurance provides extensive coverage during your trip abroad.
Having your international travel insurance well in advance will secure you from last-minute cancellations or others. Selecting an appropriate international travel insurance after finalizing your international travel destination is ideal and crucial.
2. Travel Health Insurance
Travel health insurance is a kind of insurance coverage that provides financial protection to the insured when a medical emergency occurs during a trip abroad. It is designed to cover unexpected medical and other related expenses that may arise during your international travel. International students are always advised to purchase travel health insurance coverage for seeking overseas medical coverage.
The key benefits of buying travel health insurance include a cashless hospitalization facility, 24x7 medical assistance, medical coverage at any international destination, coverage for individuals and families, coverage regardless of age and purpose of travel, etc. Usually, travel health insurance covers adversities like medical illness treatment, personal accident, emergency medical evacuation, emergency dental treatment, and delay/loss of check-in baggage. However, you must check if all insurance companies provide all these coverages in a single travel health insurance package. The insurance coverage framework could be different from insurance company to company. A few travel insurance companies offer additional coverages under travel health insurance packages, such as pre-existing disease coverage, flight delays, and personal legal liability.
Things to remember when you buy insurance during international travel.
- Carefully review and understand the insurance terms, coverage limits, exclusions, and claims process.
- Buy insurance well in advance of your trip so that you can be insured against trip cancellation.
- Know the procedure to make claims during emergencies.
- Familiarize yourself with the claims process other than during an emergency.
- Verify if the insurance meets specific country requirements, including the entry/visa requirements.
- Ensure insurance covers any unexpected or unforeseen incidents or events before departure.
- Be aware of the communication and contact information of the insurance agency.
- Read reviews and compare plans to choose the best coverage plan for you.
ImmiEd Global has years of experience assisting and advising its clients to purchase the most appropriate insurance based on each client’s travel purpose. May you be a student traveller, spouse, child or parent of a student, visitor, dependent, or others, we are here to help you choose the best travel health insurance or travel insurance coverage for you so that you may have a stress-free time during your travel abroad.
