Study Abroad Insurance Plans For Students

Studying abroad involves a lot planning ahead such as finding the right course for you in the right country

. As you look forward to this wonderful opportunity that will transform your life, there is a lot to do. To ensure that your experience is one that is free from worries so you can focus on your goals, you need to make sure you are adequately covered with study abroad insurance plans. Feeling stranded in a new country with a health problem is not a situation one would want to look forward to. A number of companies offer competitively priced short term and long term insurance plans for various needs and it is best to do some research before signing up for the one that is right for you.

Why you need travel health insurance

Although you may be covered under your parents insurance policy, when you go abroad for a long period, the company may not continue to cover you. It is mandatory to have a comprehensive insurance plan in place when you are ready to join the University you choose. Getting student travel insurance will ensure that your study abroad experience is enjoyable, confident that your health care is taken care of.

You can apply for study abroad health insurance plans from the university you enroll at or through reliable private insurance providers. The basic study abroad insurance plan offers medical and accident coverage during your stay abroad. There are different types of policies and each one offers different types of coverage. You will need to decide on what you need based on what you already have. Now is a good time to check your existing policy to see if you have international coverage. You may probably be advised to consider a standalone study abroad insurance policy that offers medical coverage.

Here are some questions you should ask while choosing your study abroad insurance plan:

Does it cover accidents?

What happens if you cancel your trip or need to take a break to visit your home country?

What happens if your baggage is lost?

How will the policy handle emergency evacuation if there is an unforeseen accident or illness?

What about repatriation of remains?

How can you reach the insurance provider in an emergency?

You can add any other query you may have to this. Find out about coverage terms related to preexisting health conditions. If you happen to be travelling with a group of students, there are group insurance plans that provide the same coverage as the individual plans at a discounted rate. Do the research and compare the benefits of different study abroad insurance plans. You study coordinator will also have useful suggestions based on experience.

Since health issues can be unpredictable even for someone in good health, ensure you get all the necessary immunizations before you leave to study abroad. Getting health insurance is a wise and cost-effective way to protect yourself in the event of an emergency.

by: Jeff Deutsch

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