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Student Travel Insurance USA

Studying abroad can bring a lot of growth opportunities. But if not well prepared can create mishaps too. Purchase Student Travel Insurance to make the best out of your new journey.

Every year many students head to foreign countries for Study Abroad Programs.  Student Travel Insurance Policies are really important for students studying abroad. Visitor Guard® offers the best Student Travel Insurance in the USA.

Traveling and staying in a foreign country entails a lot of risks. Hence, student travel insurance offers coverage to students to minimize some risks. Travel Insurance for Students plans can cover you in the event of illnesses and injuries in an unknown place. The policies usually have evacuation and repatriation benefits included.

You can also consider a trip cancelation policy to protect your trip cost in the event your trip gets canceled for a covered reason. Don’t let anything come between you and your dreams. Contact Visitor Guard today and get your student travel insurance to USA.

Student Travel Insurance USA

Student Travel Insurance – Limited Benefit Plans

Visitors Secure

$33 / mo For age 45 years with $50,000 plan and $100 deductible
  • Plan maximum limits ranging from $50,000 to $130,000
  • Deductible options from $0, $50, $100
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
  • Coverage for non-chronic Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 2 years
  • Brochure
Purchase Now

Visit USA Budget

$37 / mo For age 45 years with $50,000 plan and $100 deductible
  • Plan maximum limits ranging from $50,000 ;$150,000
  • Deductible options from $0 to $250
  • Coverage for Hospitalization, ER, Dr. Office Visits, Prescription Drugs, Covid-19
  • Coverage from 5 days to 364 days
  • Brochure
Purchase Now

Student Travel Insurance -Comprehensive Plans

Safe Travel USA Comprehensive

$69 / mo For age 45 year with $50,000 plan and $250 deductible
  • Plan maximum limits ranging from $50,000 to $1 million
  • Deductible options from $0 to $5000
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19, Well Doctor Visit
  • Coverage for 1 episode of Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 2 years
  • Brochure
  • Review Plan
Purchase Now

Patriot America Plus

$71 / mo For age 45 year with $50,000 plan and $250 deductible
  • Plan maximum limits ranging from $50,000 to $1 million
  • Deductible options from $0 to $2,500
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
  • Coverage for non-chronic Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 2 years
  • Brochure
  • Review Plan
Purchase Now

Atlas America

$80 / mo For age 45 year with $50,000 plan and $250 deductible
  • Plan maximum limits ranging from $50,000 to $2 million
  • Deductible options from $0 to $5,000
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
  • Coverage for non-chronic Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 364 days
  • Brochure
  • Review Plan
Purchase Now

Patriot America

$72 / mo For age 45 years with $50,000 plan and $250 deductible
  • Plan maximum limits ranging from $50,000 to $1 million
  • Deductible options from $0 to $2,500
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
  • Coverage for non-chronic Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 2 years
  • Brochure
Purchase Now

Liaison Travel

$84 / mo For age 45 years with $50,000 plan and $250 deductible
  • Plan maximum limits ranging from $50,000 to $5 million
  • Deductible options from $0 to $5000
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs
  • Coverage for non-chronic Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 3 years
  • Brochure
Purchase Now

WorldMed

$151 / mo For age 45 years with $50,000 plan and $250 deductible
  • Plan maximum limits ranging from $500,000 to $2 million
  • Deductible options from $0 to $2,500
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19,
  • Coverage for non-chronic Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 365 days
  • Brochure
Purchase Now
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Benefits of Student Travel Insurance

Be well prepared and do not let any unforeseen event ruin your dreams. Contact Visitor Guard® and purchase your student travel insurance.

  1. Medical coverage: Staying overseas can bring many unforeseen events. Student travel insurance provides coverage e for any unexpected accident.
  2. Study interruption: Student travel insurance provides coverage for any study interruption due to health issues.
  3. Baggage loss: Ensure your belongings with travel insurance for students.
  4. Loss of passport: Student travel insurance covers the cost of reissuing or making a new passport in case it is lost.
  5. Delay in flight: The plan also covers loss due to flight delay or cancellation.

Why choose us for Student Travel Insurance

Purchase your student travel insurance with Visitor Guard® and let go of all the stress off your shoulder. 

  1. Best rates: Get your student travel insurance at the best rates with Visitor Guard.
  2. Expert advice: Don’t settle for less. Get all your doubts cleared by experts at Visitor Guard.
  3. Quick claim: Visitor Guard helps you get your claims quickly without any hassle.
  4. Best plans: Compare between the best student travel insurance plans and get the plan that best suits you.
  5. We prioritize you: You are not alone. We at Visitor Guard make full efforts so that you don’t have to struggle. Your satisfaction is our first priority. 

Best Student Travel Insurance USA

Now that you have got to know about the importance of student travel insurance, the next step is to choose the right plan for yourself. But how do you do that? Is that easy?

Choosing the right student travel insurance that will cater to your needs can be tough and overwhelming especially because there are various study abroad travel insurance plans available. Understanding and differentiating between them requires a lot of time and effort.

Contact Visitor Guard® today. Let us make this task easier for you! Some of the best student travel insurance plans that you can choose from are:

  1. Visitors Secure
  2. Visit USA Budget
  3. Safe Travel USA Comprehensive
  4. Patriot America Plus
Best Student Travel Insurance USA
Student Travel Insurance

Student Travel Insurance Policy Coverage

  • Student travel insurance It can cover flight expenses if  Students have to travel back home due to some family emergency 
  • It can assist in sponsoring a close relative’s airfare tickets to and fro if you fall sick and get hospitalized 
  • Travel insurance for studentsIt can cover emergency passport replacement fees if your passport, cash, and wallet get pick-pocketed 
  • It can cover emergency medical evacuations and provides medical coverage for accidental sickness and for dental expenses too. 
  • Some travel insurance plans for students can also offer additional benefits for trip delays, cancellation, or interruption. 

Thus, buying student travel insurance is ideal for you in case you fall in any of the following categories:

  • Students who plan to go abroad for studies 
  • Students who are US citizens/residents who are going on a trip, either domestic or international 
  • Students going for study abroad programs 
  • Students going to a conference 

Popular Student Travel Insurance Policies

Round Trip

Round Trip student travel insurance has three options to choose from – Economy, Choice, and Elite. The study abroad travel insurance plan can cover your trip in the event you have to cancel the trip and can reimburse you for non-refundable, prepaid trip costs along with trip interruption and medical coverage. 

Travel Guard Savvy Traveler

Savvy Traveler student travel insurance offer coverage for trip cancelation, trip interruption, travel delay, medical expenses for illnesses and injuries as well as for baggage delay airline delay, or baggage loss.  

iTravel Insured

iTravel Insured study abroad travel insurance plans are of 3 types  Travel Lite, Travel SE, and Travel LX. Students can choose the best plan as per his/her requirements. The plans offer coverage for trip cancellation, trip interruption, medical coverage, and evacuation coverage.

Round Trip Economy 

This study abroad travel insurance plan offers basic travel protection coverage to students at an economical cost. The major benefits provided under this plan are listed below: 

  • In case of a sudden illness that prevents you from traveling, the maximum payable under this benefit is the lesser of a) total cost of the Insured’s Covered Trip; or b) the total amount of coverage the Insured purchased. 
  • Student travel insurance also offers coverage for medical charges up to $10,000 incurred while traveling. 
  • Additional benefits offered by this travel insurance plan for students include coverage for loss, theft, or damage to baggage or personal effects. 
  • This student travel insurance USA also provides 24×7 multilingual assistance for travel assistance including the search for a doctor in case of emergency medical evacuation. 
  • By insuring your non-refundable trip costs with student travel insurance, you are protected against unforeseen events that would cause your trip to be canceled. Trip cancellation benefits are available up to a maximum of $20,000. If the trip is interrupted due to reasons covered in the policy you are covered up to 150% of the tour cost maximum. 
  • Coverage for trip delay, accidental death or dismemberment, dental expenses, lost/stolen/damaged baggage, and baggage delay is also covered up to the amount specified in the travel insurance plan for students.. 

However, this plan does not include protections for pre-existing conditions. 

travel insurance student

 

 

Travel Guard Savvy Traveler  

This plan offers coverage for expenses similar to the ones covered in the Economy plan above but the amount of coverage is different in both the plans. 

  • For trip cancellation and interruption, the coverage provided by this travel insurance plan for students is 100% of the trip cost but the trip cancellation or delay must be on account of the reasons covered in the policy schedule. 
  • Travel Delay benefits are provided by this student travel insurance plan to a maximum of $500 with a per-day maximum of $100. 
  • Medical benefits are available for $10,000 while for emergency evacuation and repatriation of remains, the maximum coverage is $100,000. 
  • Baggage delay, airline delay, and loss of baggage benefits are also provded by this student travel insurance for a maximum limit of $100, $250, and $500 respectively
iTravelInsured Travel Lite

This student travel insurance plan offers only secondary coverage to students i.e. benefits are available after the primary policy benefits only. Maximum insurance coverage for trip cancellation is 100% of the trip cost but subject to $25000 while trip interruption expenses are covered for a maximum of 125% of trip cost.

iTravelInsured Travel SE

This plan offers only primary coverage to students. Maximum insurance coverage for trip cancellation is 100% of the trip cost but subject to $50,000 while trip interruption expenses are covered for a maximum of 150% of trip cost.

For trip delay benefits, the coverage offered by this travel insurance for students is $125 per day subject to a maximum of $500. The initial trip delay should be 12 hours to avail of this benefit.

iTravelInsured Travel LX

This plan offers maximum benefits as compared to the other two plans in the iTravelInsured category. This plan offers only primary coverage to students.

Maximum insurance coverage provided by this student travel insurance to USA for trip cancellation is 100% of the trip cost but subject to $100,000 while trip interruption expenses are covered for a maximum of 150% of trip cost.

Student Travel Insurance

Steps to Buy Student Travel Insurance in the USA 

One can buy Student travel insurance by any of the following methods:

  • Purchasing your travel insurance directly from a third-party company.
    Purchasing the policy from a third-party company is good as it offers the students a complete range of benefits. The coverage provided by third party extends benefits beyond travelling also like one can get better travel arrangements or benefits like trip cancellation or interruptions also.
      • Purchase from a third-party company using a comparison tool
        One can also use a comparison engine to buy travel insurance as this helps in comparison of benefits, features and policy cost. Confirmation of purchase is available immediately after submitting the application.
      • Through a travel agent
        Students can also buy travel insurance from travel agents but the major disadvantage is that agents offer only such plans that make them earn a high commission. Moreover, the plans offered by such agents may or may not be underwritten by a legitimate company.
      • Quote and buy direct
        This is the best method to buy travel insurance. First of all, review the travel insurance companies online and see which plan suits you best as per your requirements. Then, purchase directly from the company by filling an online application form that contains general information questions regarding the student buyers

While purchasing through any of the aforesaid methods except the last one may take time but if you quote and buy direct, then, you get the purchase confirmation shortly after online purchase. 

For making payment for the policy purchase, the students can either use credit cards or pay through check also. 

when should you buy student travel insurance?

Appropriate time to buy Student Travel Insurance USA

The best time to buy Student Travel Policy is right after making your first trip payment as this can give students the additional benefits like pre-existing medical condition waivers, ‘cancel for any reason’, and ‘cancel for work reasons’. While some plans offer coverage for pre-existing conditions, others may not. So, it is best to check policy benefits thoroughly before making the decision regarding the purchase

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Main organizations involved in Travel Insurance for Students

Administrators

Administrators of the travel insurance policy primarily design the plan, its benefits, premium, and exclusions. These include the following organizations namely:

  • Seven Corners 
  • IMAGE 
  • Travelex 
  • Travel Guard 
Underwriters

Underwriters are the insurance companies that are responsible to pay the claims. Major companies underwriting travel insurance plans include the following: 

  • United States Fire Insurance Company
  • National Union Fire Ins. Co. of Pittsburgh,
  • PA Delos Ins.Co

To check the reliability of the above companies, it is important to know the A.M. Best rating of these companies as this reflects the soundness of the financial position of the company. In the case of underwriting companies, one can check the financial rating also. 

top rated student travel insurance companies
Making the best use of Student Travel Policy

When you want to use your Travel Insurance Policy during traveling, follow the under-mentioned procedure:

  • contact the insurance company’s helpline number
  • Arrange for medical assistance
  • Arrange for evacuation and repatriation services
  • Co-ordinate with local providers
  • Register a claim with TPA who will provide you with further guidance
worldwide student travel insurance

Exclusions on Travel Insurance for Students

Following are not specifically covered in the policy 

  • Any pre-existing medical conditions as per the policy guidelines
  • If you travel against the advice of your treating Physician
  • An injury did due to adventurous sports or dangerous activities
  • Intentionally done any injury to self or suicide or attempted suicide
  • Stress, depression, and anxiety-related disorders
  • Civil commotion attempted crime or actual participation
  • HIV or AIDS
  • Any costs arising due to abortion, childbirth, pregnancy, and miscarriage

Things to know about Student Travel Insurance USA

  • To be sure if the policy is adequate or not, students must check that it is accepted by the overseas university where the student is going for studies.
  • One should be aged between 16 to 30 years for being eligible to buy student travel insurance.
  • The minimum duration for which policy can be bought is 1 day while the maximum is 2 years.
  • Single trip travel insurance provides coverage for a specific single trip while the annual trip covers multiple trips in a year. Hence, choosing the ideal one for a student depends purely upon his study course schedule.

Student Travel Insurance USA – FAQ

If you decide to travel abroad, you should consider buying student travel insurance. Check to see what the student travel insurance policies cover. Policies provide benefits for medical illnesses or injuries, evacuation, repatriation, trip cancelation and more.  If the policy, you opt for is only for medical you might be able to sign up for a policy up until you travel. However, if you are considering a trip cancelation policy, there is a stipulated time after you make your first deposit for your trip within which you need to sign up for the plan.

Most college students usually are not qualified for the best travel rewards credit cards. Travel credit cards offer extensive travel insurance benefits but typically the travel insurance is only applicable if the cost is incurred in association with travel that’s been paid for using your card. Typically, college students studying abroad might not get full protection based on the costs incurred and hence it is a good practice to buy a student travel insurance providing medical coverage for illnesses and injuries or a trip cancelation plan to protect your trip investment cost. 

Different student travel insurance plans or study abroad travel insurance plans provide different benefits. Most plans provide medical coverage for illnesses and injuries, evacuation, repatriation and can also provide coverage for an acute onset of a pre-existing condition. Some travel insurance for students plans can also provide coverage for trip cancelation and missed connections along with lost baggage or delay.

International students in USA can purchase student travel insurance directly from Visitor Guard. We at Visitor Guard offer various study abroad travel insurance plans that are widely accepted throughout the United States.

 

Enter your age, Duration of travel, date on the table above and get your quote today!

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