5 Best Student Travel Insurance: What It Covers And Why I Need It.

Growing up, I was always scared of traveling. The ‘what-ifs’ usually find their way into my thoughts. What if I get ill? What if I break an arm? What if I lose my bags? The list is endless.

To further fuel those thoughts, I once had an accident while traveling as a student. I lost a bag, got severely injured, and had to spend extra costs to treat myself.

All these would have been taken care of if I had student travel medical insurance.

Many students treasure their travel and study-abroad experiences and wouldn’t want to miss out on all the fun. A good way to safeguard yourself and remove extra costs which may arise is by getting a student general travel and health insurance.

The 5 best student travel insurance agencies for both local and international students that cover different health packages are what we will discuss in this post.

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Best Student Travel Insurance

As a guardian, don’t allow any of your wards who is a scholars to travel without student travel insurance. It is just too risky!

The student travel insurance are;

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#1 Travel Guard

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Travel guard is one of Americas best student travel insurance agencies.

Its insurance plans include student travel insurance and student medical travel insurance.

Actually, you can use these insurance plans for both domestic and international trips.

They cover medicals, trip interruption, optional upgrades to emergency medical evacuation, and 24/7 travel assistance services.

Whether it is a week-long, a semester abroad, or for a longer time, we’ve got you covered.

#2 Allianz Travel Insurance

Allianz travel insurance for students is another scheme that has many plans.

Basically, there are three travel insurance plans and they have primary emergency medical benefits. They are OneTrip Emergency Medical Plan, OneTrip Prime Plan, and OneTrip Premier Plan.

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a. OneTrip Emergency Medical Plan

This plan is a very flexible and affordable travel insurance plan. With this your lost bags, missed connections and trip delays are covered.

You get up to $50,000 in emergency medical benefits if there is an illness or injury during the trip. Also, up to $250,000 in case of medical evacuation.

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Most importantly, it is great for free-spirited students who are traveling without a fixed itinerary for a period of 180 days. Why? Because it does not cover cancellation of trip, or interruption.

b. OneTrip Prime Plan

Because most students are prompt, in-the-moment, and can change plans in the blink of an eye, this plan offers the ability to either cancel or interrupt trips.

So, you get a refund for any emergency that makes you cancel or interrupt your trip. In addition, lost bags, missed connections, or travel delays are accounted for.

You get benefits worth up to $25,000 for emergency medical and emergency medical transportation benefits up to $500,000.

c. OneTrip Premier Plan

Here, students get very unique benefits up to $50,000 in emergency medical benefits and up to $1 million in emergency medical transportation benefits.

Specifically, there is the travel delay benefit up to $1,600, baggage loss or damage up to $2,000, baggage delay up to $600, and missed connection benefits up to $1,600.

#3 World Nomads

Travel insurance for students studying abroad is simple and flexible trip insurance for students studying and traveling abroad.

Students can either buy the standard or explorer plans for emergency medicals, evacuation, cancellation, baggage, and many other fun activities.

As students, we love to explore. With World Nomads, you are covered in snow, water, air, land, sports, and experiences. Your safety is assured!

So, whether you need medical or dental assistance or advice, emergency evacuation, or travel assistance, our team is available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

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#4 Seven Corners

The Liaison student travel medical insurance is for full-time students, faculty members, and their families. These people must be at least 12 years old and younger than 65 years.

Because this is one, if not the best medical travel insurance for students, there are some rules to it.

The Liaison student plan is for US citizens traveling to other countries. It cannot be used to travel within the USA as a USA student. Also, for non-US citizens, it covers both traveling to and from the USA.

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Liaison Student provides comprehensive medical coverage, an extensive network of medical providers, and 24-hour travel assistance.

There are other insurance plans from seven corners that cover both medicals and belongings, but Liaison is best for students.

#5 International Students Protection ISP

This scheme has two categories of insurance plans.

Firstly, insurance for international students and scholars studying in the US.

Under this scheme, there are four plans for international students to apply under. There are the patriot exchange plans available for one month to four years. Similarly, the trailblazer’s students plan has an unlimited lifetime period.

Again, there are the pioneer sports plan and patriot plans CPT used for short-travel medical insurance with a duration of 5 days to 2 years.

Secondly, insurance for US students and scholars studying abroad. This is done under the student health advantage. It provides accident and sickness coverage for US students studying abroad.

What To Look Out for In A Student Travel Insurance Plan?

The problem with getting a student travel insurance is not about going to the wrong agency but not knowing the right plans and what to look for in those plans.

If you want to travel internationally, the most important thing to look out for in a travel insurance plan is the primary emergency medical benefits.

Another important factor to look out for is emergency medical transportation benefits. This covers the costs of medical evacuation for a covered illness or injury that may occur while traveling.

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Why You Need Student Travel Insurance

If you’ve been traveling, you’ll notice that things happen. They just do. And when they do, you’ll be happy, there is a company that’s got your back.

If you have not traveled, then we will show you the reasons for getting student travel insurance is very necessary.

Firstly, for educational purposes. You cannot travel to many countries without student travel insurance. How do you get travel insurance as an international student? Visit the sites above and apply.

Secondly, it protects against extra costs that may arise while traveling. For example, if you become ill, you may want to get back home as fast as possible, and this incurs extra international travel costs. But with the emergency/medical evacuation coverage, this will be taken care of.

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The other often-overlooked reason is to cover missed connections. You just don’t have to lose your money if an unforeseen circumstance stops your travels.

Lastly, loss of bags, and items are other reasons to get a student travel and health insurance.

How To Choose The Right Student Travel Insurance?

Here are the best tips on how to find the right student travel insurance.

#1 The Kind of Insurance cover you need

What are the things you covered if anything goes wrong? Injury, illness, personal possession theft, trip cancellation? Is the trip an international students travel requires insurance? Whatever you need, make sure the student insurance covers health and all other essentials.

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#2 Length of Trip

Check the details of your trip. Is it a single trip or multiple trips?
How many days will the trip take? Will there be any room for an extension? These will determine the kind of insurance cover to go for.

#3 Compare Quotes

Compare several quotes and find the right one for you. Check the restricted countries, age limits, and amount before making a choice.


It is very essential that students get health insurance coverage for any travel, be it interstate or outside the country.

Because of this, we have not only written about the 5 best student travel insurance for health care and international students. We have also shown what to look out for in insurance plans and how to choose the right plans. Be safe!


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