The Studentís Guide to Affordable Travel Insurance  
 
 

The Studentís Guide to Affordable Travel Insurance

Students the world over are notorious for being broke yet it is at this time of life that many people develop a desire to travel abroad. Some want to go on a gap year, some want to go backpacking during the summer break and others want to go on their first vacation alone or with friends. This means that there is a huge demand for some sort of comprehensive travel insurance that is affordable to those who may have a very tight budget.

A call for policies that are suitable for young people with little money has led to a growth in companies who offer student international travel insurance. Student international travel insurance was first developed to enable students to pursue courses of study in places other than their country of origin. This type of insurance is also available for some people who may have long since lost all claim to student status, but nevertheless need to find travel insurance that suits their pocket. This is because some companies offer student international travel insurance not only to full and part-time students but to their dependents and family members as well. However, the age limit on many of these types of policies is forty nine rather than the usual sixty five or seventy.

If you are looking for student international travel insurance then it is well worth your while to shop around as there are companies out there who will cover the whole cost of incidents of illness, injury, evacuation and repatriation (getting them out of there and getting them home). These same companies may also offer a choice of cover so that you can ensure against sports and driving risks and dental care. Some companies will even ensure against accidental damage to a laptop while you are abroad. Cover for medical care can be up to as much as $100,000 with policies as low as sixty dollars. You will need to provide evidence of the name of your college and your program of study.

As a general rule you would also want cover against luggage and travel documents being lost and stolen, and you might want to look at the cost of ensuring against cancellation. Should you need to cancel at the last minute, however good the reason, then without insurance you will undoubtedly lose your money as most companies have a policy of no refunds within a certain time frame. Whatever extra cover you might want above and beyond the basic policy will of course involve an extra cost, but this could be as little as another $10 or $20. So it is worth shopping around some sites to look at are:

http://www.istc.org/
http://www.internationalstudentinsurance.com/
http://www.globelink.uk.com/
http://www.thebigchoice.com/Student_Insurance/
http://www.isoa.org/




 

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