International student travel insurance for a semester abroad: Your top choices for 2024!

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Here is your complete guide about international student travel insurance for a semester abroad!

Your safety is a top priority, and having reliable international student travel insurance for a semester abroad is essential for your peace of mind. Aside from being a requirement, it generally protects you from unforeseen incidents affecting your study abroad experience. 

Today, we will discuss international student travel insurance for a semester abroad, including advantages and coverages. More importantly, we included the best and most preferred international student travel insurance for a semester abroad. Furthermore, we also included the fastest and most affordable way to study in your dream destination!

What is international student travel insurance for a semester abroad?

International student travel insurance for a semester abroad protects you from medical and travel-related expenses that negatively affect your budget.

Whether you enroll in Asia, Europe, or Latin America, having insurance promotes overall comfort from professional assistance. 

Below are general coverages of international student travel insurance for a semester abroad:

Medical 

  • Prescriptions
  • Doctor appointments
  • Hospital confinements
  • Mental health assistance

Travel

  • provides financial aid to lost, damaged, and stolen personal belongings or luggage.
  • gives reimbursements for interruption or cancellation of flights due to natural calamities, sickness, etc.  
  • covers accommodation and meal expenses if you experience travel delays.
  • offer refunds for the unused portions of your scheduled program if you shorten it for covered reasons.  
International student travel insurance for a semester abroad

Benefits of getting an international student travel insurance

Aside from the mentioned coverages above, here are other privileges of insurance while studying abroad:

24/7 assistance  

International student insurance is perfect for first-timers as emergency support is available any time of the day. Knowing that professional assistance is a call away, you will be more confident in navigating your chosen study abroad destination.

Lessen international medical expenses

The cost of consultations, hospitalization, medical evacuation, etc, varies per country. Having international student travel insurance diminishes possible expenses that can significantly affect your budget. 

Covers personal liabilities

Accidents, such as unintentionally damaging someone else’s property or causing injury to a person, obliges you to pay. Some international student travel insurance covers the cost, enabling you to spend money on necessities. 

International student travel insurance for a semester abroad

How to choose an international student travel insurance

After the benefits, here are tips on how to pick the ideal insurance for your study abroad. 

  • Get an insurance policy as early as possible to maximize its benefits.
  • Pick an international student travel insurance covering your trip, including destination and duration. 
  • Prefer a deductible (the amount you pay before the insurance coverage starts) that is equally reasonably priced and has good scope. 
  • Make sure the medical coverage is adequate for the length of your stay and destination. 
  • Select insurance that fulfills the minimum coverage amount set by your preferred study abroad destination.
  • Consistently carry a copy of your insurance card to access essential contact details quickly.
  • Fully understand the scope and limitations of international student travel insurance by reading or asking questions. You may also check online reviews of their past and present customers.  
  • Consider your lifestyle and health when choosing insurance. Do you have a pre-existing condition? Would you like to participate in sports activities in your preferred study abroad destination? 
  • Search online for student groups and organizations, then ask for feedback regarding the insurance provider you are interested in. Inquire about its services and if they are as accurate as advertised. You may also seek personal experiences and then inquire how efficient and smooth their claiming process is. 
  • Widen your selection, then compare international student travel insurance providers to ensure they match your needs, preferences, and budget. 

Reliable international student travel insurance for a semester abroad

Now that you know how to pick insurance for your study-abroad requirement, the following are the most reliable and cost-effective options:

STAY Travel Insurance by HanseMerkur

Since 1806, HanseMerkur has provided health, travel, and other insurance products. Due to its reasonable prices and excellent customer service, it is favored by 11 million clients. 

Cap Student by Chapka Assurances

Cap Student offers travel insurance with exciting features and customizable plans. For easy access and competitive pricing, Chapka Assurances operates online. Aside from international student travel insurance, they also offer policies to business expatriates. 

HEYME by WorldPass

HEYME by WorldPass provides digital health insurance services to global learners. Its mobile app allows fast application, making claims, and easy access to information. HEYME has various affordable insurance plans covering primary care and specific medical procedures.

International Student Health Insurance Europe by Swisscare

International Student Health Insurance Europe by Swisscare has a standard rate that starts at .58 EUR, providing a good deal for those under a budget. It has 24/7 medical assistance, search and rescue services, repatriation aids in case of accidents or severe conditions, and more.

To learn more about the mentioned international student travel insurance providers and start applying, click HERE.  

International student travel insurance for a semester abroad

Summing it up

Getting international student travel insurance lets you focus on your studies and have a stress-free experience. It also allows you to enjoy and immerse fully in a new, thrilling environment without fear of uncertainty. 

For an ultimately smooth study abroad journey, apply through Asia Exchange. Since 2007, we have helped more than 10,000 global learners from 100+ countries with a successful educational journey. We offer exciting destinations in Asia, including Indonesia, Malaysia, Thailand (Bangkok or Phuket), China, South Korea (Seoul or Busan), Taiwan, and Vietnam.  

If you prefer to immerse in Latin America, choose from Mexico or Costa Rica. We also offer exciting European destinations in Italy, Portugal, Ireland, and France

For additional assistance, visit our Blog Section for the freshest updates about studying overseas. You may also go to our Student Stories section for inspiring tales of our past and current students.   

Finally, you may Ask Former Students for valuable tips, including the international student travel insurance they purchased during their life-changing experience overseas.  

About the writer

Mark has been a professional content writer for four years. He is an expert in creating articles about education and studying abroad. His writings not only inform but also establish emotional connections with readers.