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Student Travel Insurance

Travel a school or as a University student is becoming more prevalent. As these travel forays are usually your first without parents it is good to make sure you are organised. Travelling overseas as a student for studying, working or leisure can be costly without the added expense of travel insurance. And even though you may think that this extra expense is unnecessary as a fit young person, it is advisable to consider travel insurance no matter how healthy you are. The reality is that accidents and ill health can happen to anyone while travelling, making travel insurance an important asset. You do not want to be burdened with a debt from your overseas travel as well as your HECS debt.

While most universities will offer students some insurance while they are studying overseas, this does not always cover you fully, and might only cover you while you are a student at the university, and not for extra travelling you do. Schools are usually very good and ensure the students have Travel Insurance, always good to ask though. Taking out additional travel insurance will help to cover you for any further expenses that are not covered by university insurance and provide coverage for you on your extended travels.

Some common reasons why student travel insurance is important

Medical expenses: Falling ill or being involved in an accident are possibilities when travelling overseas. Hospitalisation and doctors bills in a foreign country, where Australia doesn’t have a Reciprocal Health Care Agreement (RHCA) with that country, can be extremely expensive for someone without travel insurance.

Lost or delayed luggage: There is always a chance of your luggage being lost or delayed when travelling overseas which can be costly to replace. Travel insurance will cover most of the costs involved in replacing the value of your luggage or providing for temporary necessities while you wait.

Trip cancellations: If you have to cancel your trip for any reason, your pre-booked flight and accommodation costs could be reimbursed in part by travel insurance, provided you have bought your travel insurance in advance.

Personal liability costs: You might be responsible for damage to property or other students, in which case your travel insurance would cover most of the legal costs involved.

Loss or theft of cash: As a student, every penny counts, and the loss or theft of your cash or credit cards can be devastating. Travel insurance will cover most of the costs involved in replacing lost or stolen cash (up to a certain limit) and will cover any credit card expenses.

Student travel insurance doesn’t need to be expensive, with a budget insurance policy often sufficient to cover your basic needs overseas. But before you decide on a basic option or a more comprehensive policy, it is advisable to compare a few different insurance quotes. If you plan on participating in certain high-risk activities such as skiing, bungee jumping, or hiking while you are overseas, a basic plan might not be sufficient cover for your needs. You should chat with your insurance provider about the best policy plan for your budget and requirements, and make sure you inform them of every activity you plan on doing, so they can cover you sufficiently.

If you are travelling overseas as a group of students for holiday purposes, you can look at group travel insurance to save on travel insurance costs.

Before you sign up for any travel insurance, it is important to read the Product Disclosure Statement (PDS) for your insurer, so that you are aware of what you are covered for overseas, and what is excluded. Some common exclusions that might affect you as a student, include:

  • High-risk sports and activities: Risky activities can be excluded from your insurance policy, and will need to be added as extra cover to your policy.

  • Negligent behaviour: Claims that arise due to negligent behaviour, where drugs or alcohol are involved, or general negligence has occurred, might not be covered by your insurer.

  • Riding motorbikes or scooters: Some insurers don’t cover you for the use of motorbikes or scooters, and this will need to be added as an extra benefit to your policy.

We also offer travel insurance for pre-existing medical conditions.

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