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Student Travel Insurance

Pursuing higher studies in a foreign country exposes you to several budget-straining risks. Here, Overseas student travel insurance ensures your study term is insured against unforeseen medical and non-medical emergencies.

With Student Trip Insurance, you get covered for

Student Travel Insurance
  • 45 LAKH+ Travellers Served^^
  • 184 Crore+ Claim Amount Paid**
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Written by:
Anjali Sharma
Anjali Sharma
Anjali Sharma
Insurance Expert

A skilled Insurance Specialist with expertise in writing and research in diverse fields like medical and insurance. Adeptly crafts clear and engaging content. With a strong understanding of complex terminology and regular guidelines, creating informative articles, blog posts, and marketing materials that resonate with the target audience.

Reviewed by:
Rashmi Rai
Rashmi Rai
Rashmi Rai
Insurance Specialist

Rashmi is an insurance specialist with a passion for storytelling. As an insurance sector wordsmith, she brings out a unique perspective and seamlessly explains the mundane terminologies of insurance. Apart from talking about insurance, Rashmi is an avid reader who finds it fun to explore various health and travel topics and explain it to our audience through our platform.

Updated on:
14 Sep 2026
Reviewed on:
14 Sep 2026

Summary

Care Health Insurance’s Student Travel Insurance is designed to give Indian students studying abroad a safety net throughout their academic journey. It helps cover unexpected medical, travel, and study-related expenses that may arise while living overseas. Depending on the chosen plan, students can get protection for hospitalisation, medical evacuation, study interruption, baggage loss, university insolvency, and eligible treatment during visits to India. The policy may also include benefits such as dental care, personal liability, sponsor protection, and mental health counselling. Students can choose a plan based on their destination, course duration, and university’s insurance requirements.

Key Takeaways

  • Understand what student travel insurance is, why students travelling abroad may need it, and the types of unexpected situations it can help cover.
  • Check details about Care’s student-specific plans, including their coverage limits, policy duration, geographical coverage, and the key benefits available under each option.
  • Evaluate benefits related to hospitalisation, medical evacuation, treatment during visits to India, pre-existing medical conditions, and other eligible medical emergencies.
  • Depending on the plan, get benefits for dental care, personal liability, sponsor protection, and university insolvency.
  • Information about eligibility requirements, optional add-ons, exclusions, the documents needed, how to purchase the policy, and the process for filing and settling claims.

What is Student Travel Insurance?

Student travel insurance offers financial coverage to individuals travelling abroad for higher studies. This overseas trip insurance is generally a prerequisite when you apply for a study visa. The plan offers financial coverage if an unforeseen medical or non-medical emergency such as hospitalisation, study term interruption, or loss of belongings occur.

When buying an international student travel insurance, you shall be asked for your course details, the university admission details, and course tenure when you apply for student travel insurance.

Select from the Best International Travel Insurance Plans

Even after meticulous planning, your overseas study trip may sometimes bring unforeseen surprises. Therefore, to simplify your journey, we offer Student Explore—one of the best student travel insurance plans online.

Additionally, Care Health Insurance also offers International Travel Insurance plans for adventure seekers, explorers, and students planning to study in the US and Canada.

  • Student ExploreTravel Insurance to Secure Your Study Trip Abroad
  • Student Explore-Health UnlimitedTravel Insurance With Unlimited Healthcare Coverage

Student Explore

  • Medical coverage extended to the country of residence
  • Coverage for Study Interruption
  • Medical Evacuation
  • University Insolvency
  • Cover Amount$30,000
  • Starting Atโ‚น20.40/day2

Student Explore-Health Unlimited

  • Unlimited health coverage in the US & Canada
  • Coverage for adventure sports
  • Inpatient & outpatient hospitalisation
  • Acceptable across most universities in the US & Canada
  • Cover AmountUnlimited Health Coverage
  • Starting Atโ‚น319.63/day3

Why Do You Need Overseas Student Insurance?

According to data released by the Ministry of External Affairs, 1.8 million Indian students travelled abroad in 2025 to pursue higher education. This marks a significant increase from 1.3 million in 2023.

This increase in the numbers exposes the host countries to several financial liabilities. Therefore, foreign universities require travel insurance for student visas. Additionally, mentioned below are a few reasons why travel insurance for students is mandatory:

Key Benefits of Care’s Student Travel Insurance Plan

Student travel insurance covers the significant aspects of your international study trip, including medical expenses, trip-related hiccups, university insolvency, etc.

Here are some benefits that you get when you are covered under one of the best travel insurance policies for Students:

Who Is Eligible for Student Travel Insurance?

There is a set of eligibility requirements that you must meet to be insured under student travel insurance from Care Health Insurance.

Policy Condition Eligibility Criteria
Minimum Entry Age 12 years
Maximum Entry Age 40 years
Minimum Policy Duration 30 days
Maximum Policy Duration 24 months
Cover Type Individual Coverage Available

Your insurer may ask you to procure your university’s details, such as the University’s name, the course you are planning to pursue, the duration of the course, etc.

What is Covered and Not Covered under Student Travel Insurance?

  • Coverage
  • Exclusions

The student travel insurance is generally different from a standard travel insurance policy. Here’s what’s usually covered/ excluded in our overseas student travel insurance plan.

Emergency hospitalisation

The overseas student insurance plan covers IPD and OPD expenses in the event of a medical emergency.

Pre-existing diseases

If you inform us in advance of your pre-existing illness, we will provide financial coverage for life-threatening conditions in accordance with the policy terms.

Medical evacuation

The student travel insurance covers emergency evacuation if the student needs to be moved via an ambulance due to a medical emergency.

Treatment in the home country

If you return to your home country for a vacation and fall ill during your stay, the policy will provide medical coverage.

Loss of passport and checked-in baggage

If your luggage is lost/misplaced/ broken after checking in, you get financial coverage for loss of checked-in baggage as per the policy terms.

Loss of International Driving License

If you lose your International Driving License while overseas, your student travel insurance covers the cost of replacing it.

Study Interruption

If your study is interrupted for 30 consecutive days due to an emergency hospitalisation or the death of an immediate family member, you are entitled to compensation for your tuition fee as per policy terms.

Accidental Death

The nominee shall be indemnified with a specific amount if the insured encounters an accidental death during the policy term.

Note: Please read the policy T&Cs, brochure, and prospectus to learn more about our health insurance for study coverage, as coverage may vary.

War or Nuclear Perils

Conditions of National/ International war, nuclear perils, or consequences thereof.

Drug and Alcohol Misuse

Expenses incurred due to the use/ misuse/ abuse of drugs and alcohol.#

Ionising Radiation

Expenses incurred to treat the injuries caused by ionising radiation.

Self-Harm

Any intentional harm to self, such as suicide attempts or self-injuries.#

Hazardous Activities

Claims incurred due to hazardous activities such as fire stunts that are not mentioned in the policy documents.#

Breach of Law

Expenses incurred due to the involvement of insured members in the breach of the law.

Additional Coverages in Student Travel Insurance Plans

Certain coverage under student travel insurance is offered on an optional basis to ensure you do not have to pay an unnecessary premium if you do not require the coverage.

Mentioned below are the add-ons available in student travel insurance:

How Does Student Travel Insurance Work?

International health coverage for students provides medical, non-medical, and trip-related benefits for individuals pursuing higher studies abroad.

Below is a step-by-step guide to how student visa travel insurance works:

  1. You purchase the insurance: When securing your study trip, you must evaluate multiple student travel insurance policies and choose one whose benefits align with your university’s requirements.
  2. Pay the premium: After assessing the plan benefits and exclusions and comparing the travel insurance premium, you must pay the premium via a secure payment gateway.
  3. File claims: Once you embark on your study venture, you shall be covered under a financial blanket. You may file a claim during your stay in the foreign country if a covered emergency arises.
  4. Claim Settlement: Once you provide the required documentation, the insurer will evaluate the claim. If approved, the claim shall be settled directly to your bank account. In case of claim rejection, you shall be informed of the reason.

How Much Does Student Travel Insurance Cost?

The premium the insured student must pay under student travel insurance is based on factors such as the destination country, study tenure, and selected coverage. The Student travel insurance offered by Care Health Insurance ensures your medical and non-medical needs are covered without leaving a gap in your budget. Let us understand this with the help of a case study:

Case Study

Satakshi, a 22-year-old Student, plans to pursue a master's degree from Princeton University. She opts for a Student trip insurance plan from Care Health Insurance. Below is how the overall premium will be calculated for her:

Insured Member(s) Age Any Pre-existing Disease Sum Insured Policy Duration Premium Amount (approx.)
1 22 years No $ 30,000 30 Days โ‚น612~

~The above-mentioned travel insurance premium is calculated subject to no pre-existing medical conditions of the insured member. It considers that the insured member has not been diagnosed, hospitalised, or undergone any treatment in the last 48 months. Also, the premium amount is subject to change if the insured person has previously claimed under any travel policy.

What Factors Affect Student Travel Insurance Premium?

Factors such as study tenure, destination, medical history, and the insured member's age are considered to calculate the premium for your overseas student trip insurance.

Below is an explanation of how various factors affect the cost of student travel insurance:

Insurer’s Insight: While disclosing your pre-existing condition and complete study tenure may increase your premium, it is always advised that you disclose all the trip details to ensure complete coverage throughout the policy period.

How to Buy Student Travel Insurance Online?

You can typically calculate the premium of international student insurance by following the steps below:

Documents Required to Buy Student Travel Insurance

To make a successful purchase of a student travel insurance, you must have the following documents handy:

Documents Purpose
Valid Passport Valid for at least 6 months from your entry date, with two blank pages.
Student Visa To verify your eligibility to study abroad
University Enrollment Proof Your university’s details, such as the course name, the university opted for, and the address, shall be required to identify and assess risks.
Proof of Funds Proof of funds shall be required to ensure the student can cover the expenses arising abroad.

How to File a Claim Under Student Travel Insurance?

To file a claim under Care Health Insurance’s Student Travel Insurance, you must inform the insurer as soon as the event occurs.

You can follow the steps as mentioned below:

How to Contact Care Health’s Claim Support?

The claims support team from Care Health Insurance ensures you are not stranded amidst a financial emergency. Therefore, we partner with Mayfair We Care to cater to emergency hospitalisation, whereas you can reach out to us at the touch points to ensure a successful claim.

Documents Required to File Student Travel Insurance Claims

Appropriate documentation is the foremost requirement to ensure a seamless and successful claim settlement. Here’s a list of documents that shall be required:

  1. Duly Filled Claim Form: You must fill out a claim form and submit it to your insurer.
  2. Travel Insurance Policy Document: Next, you must provide the details of your international student travel health insurance to confirm your coverage details.
  3. Proof of Identity: A copy of your passport or Aadhaar card may be required to validate the insured person’s identity.
  4. Medical Reports or Doctor’s Certificate: Required if the claim involves medical treatment, hospitalisation, or trip cancellation due to health reasons.
  5. Hospital Bills & Payment Receipts: Original hospital invoices, consultation bills, and pharmacy receipts are mandatory for reimbursement claims under international medical insurance.
  6. Hospital Discharge Summary: If you were hospitalised, the discharge card or summary helps confirm treatment details and duration.
  7. FIR or Police Report: For theft, baggage loss, or personal belongings stolen abroad, an FIR or a local police report is essential.

Pro tip: Always keep your insurer’s contact on standby. Informing them as soon as the incident occurs can ensure quick action.

Health Emergencies & Medical Evacuation Cover

An unforeseen medical emergency in a foreign country may cost you thousands of dollars, hence derailing your finances. Let’s understand how a medical evacuation cover in student travel insurance can be useful in unforeseen medical emergencies:

Shweta, a student pursuing a master’s degree in Switzerland, visits the Swiss Alps for a weekend hiking trip. During the hike, she suffers from severe hypoxia due to the high altitude and is required to be evacuated to the nearest healthcare facility.

Because Shweta had student trip insurance from her home country that covered medical evacuation, she immediately notified the insurer and arranged a cashless medical evacuation facility for her. Thanks to one of the best student travel insurance policies, Shweta could get immediate assistance and financial coverage for evacuation, hospitalisation and treatment, ensuring she didn’t have to worry about the out-of-pocket expenses and could focus on recovery.

Student Travel Insurance for Pre-Existing Medical Conditions

Pre-existing health conditions must not stop you from pursuing your dreams, even if they are across borders! With our student travel insurance plans, we offer coverage for life-threatening conditions that arise from pre-existing diseases.

Here’s what’s generally covered if a life-threatening condition occurs due to a pre-existing disease:

  1. Hospitalisation expenses incurred for the treatment of a life-threatening condition.
  2. Daily Allowance, Compassionate Visit, and Study Interruption coverage shall be offered if medically necessary.
  3. Medical evacuation expenses shall also be covered if the insured is in a life-threatening condition and must be evacuated to the nearest healthcare facility.

Difference Between Student Travel Insurance and Travel Insurance

The difference between standard travel insurance and student travel insurance lies in their coverage. Refer to the table below to understand the key difference as explained by experts at Care Health Insurance:

Factor International Travel Insurance Student Travel Insurance
Definition International travel insurance covers financial hiccups that may arise while you are on a trip abroad. Student trip insurance covers financial emergencies that may arise while you pursue higher education in a foreign country.
Scope of Coverage Region-specific plans offering customisable coverage Comprehensive coverage with university-compliant add-ons
Trip Duration Minimum 2 days, maximum 365 days Minimum 1 month, maximum 24 months
Policy Type Available on an individual and multi-individual (for family) basis Available on an individual basis
Age Limit Minimum 1 day, no upper age limit Minimum 12 years, maximum 40 years
Unique Coverage Offered Medical coverage, luggage tracking services, baggage loss coverage, etc. Study interruption, Loss of Laptop/ Tablet, Sponsor Protection, etc.

Travel Insurance Claim Denial: Common Mistakes to Avoid

The foremost reason behind a claim is improper understanding of coverage and incomplete documents. So, to ensure a seamless claim settlement, you must always understand the coverage terms and conditions and submit the documents promptly.

Mentioned below are the detailed reasons for the overseas student insurance claim rejection:

  1. Claims filed for negligence: The insurer may reject claims arising from the insured member's negligence under the student trip insurance plan.
  2. Claim Filing & Process Errors: Incomplete documentation, Improper or wrong information, etc., shall also result in claim rejection.
  3. Incomplete Disclosures: Incomplete disclosures, such as hiding PED, may result in partial or complete claim rejection.
  4. Permanent Exclusions: Claims filed for events mentioned in the “permanent exclusions” section of the policy t&c shall not be entertained.

Top Destinations that Require an International Student Travel Insurance Policy

Thanks to the online admission procedure and the available scholarship programmes, pursuing higher education in a foreign land has become easier than ever before! However, some countries require medical insurance for students studying abroad.

Overseas Travel Insurance: Plans for Popular Destinations

Planning for an international vacation in the coming year? Whether you are a solo traveller or are travelling with family, secure your next trip with these region-specific travel insurance plans from Care Health Insurance.

Note: The per-day premium has been calculated for an individual aged 24 for a 90-day trip, with starting coverage available in that region.

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FAQs on Student Travel Insurance

  • General
  • Coverage

Q. What is Student Travel Insurance?

Student travel insurance covers you from unforeseen medical and trip-related emergencies that might occur during your study term in a foreign country.

Q. How much does student travel insurance cost?

The student travel insurance premium will vary depending on certain factors such as trip duration, the insured's age, coverage opted for, pre-existing conditions, if any, and the insurer you choose.

Q. Can I buy student travel insurance after I've already started my trip?

No, you must purchase student travel insurance before your trip begins. Typically, you must opt for a plan when applying for overseas education.

Q. Is student travel insurance mandatory for studying abroad?

While not all universities require student travel insurance.

Q. When is Student Travel Insurance Required?

You may need a student travel insurance plan when a medical emergency strikes. A comprehensive plan will also offer coverage for events such as trip interruptions, university insolvency, personal liability, etc.

Q. Will my University recognise my student travel Insurance?

Almost all foreign universities recognise and accept student travel insurance provided by Care Health Insurance and other travel insurance providers in India.

Q. What documents are required to opt for student travel insurance?

To purchase travel insurance for students, you will have to submit a Proposal Form, health declaration, university-related information, and current residential details.

Q. Does Care Health Insurance Provide Health Insurance for Students in the USA?

Yes. Care Health Insurance's student insurance is accepted by universities in the USA. Thus, if you plan to fly off to the USA for higher studies, you can buy the best student travel insurance from Care Health Insurance.

Q. How to Compare Student Travel Insurance Plans Online?

To compare student travel insurance online, you must first understand your and your university’s requirements, assess the best student travel insurance plans, compare premiums, check the claim settlement ratio and then decide on your ideal student travel insurance plan.

Q. Is Student travel insurance valid for the entire course duration?

Yes, if a university requires student travel insurance, it typically requires you to cover the entire duration of your stay.

Q. Can I extend my policy while abroad?

Typically, student travel insurance can not be extended.

Q. Why Buy Student Travel Insurance from Care Health Insurance?

In addition to offering comprehensive coverage at an affordable premium, Care Health Insurance's student travel insurance provides modern benefits, a quick claims response, and a seamless claims process. Therefore, it is an ideal choice for students seeking a reliable healthcare plan while abroad.

Q. Does student travel insurance cover dental expenses?

The student travel insurance from Care Health Insurance covers expenses incurred during dental treatments while you are on an educational journey abroad.

Q. What kind of risks are covered under travel insurance for students?

The student travel insurance from Care Health Insurance covers several travel-related contingencies, including medical and non-medical expenses. In addition to emergency medical aid, the policy covers students against modern risks such as loss/theft of automobiles, bail bonds, and sponsor protection.

Q. Does student travel insurance cover pre-existing medical conditions?

Yes. Student Explore international health coverage for students studying abroad offers coverage for pre-existing diseases and life-threatening conditions. You may refer to the policy document for details on coverage.

Q. How long can I get student travel insurance?

Depending on your course duration, you can purchase a student travel insurance plan from Care Health Insurance for one month to 24 months.

Q. Does it cover sports/adventure activities?

Adventure sports coverage is typically available as an optional benefit that you can add to your student trip insurance after paying an extra premium.

Q. Does it cover mental health counselling?

Yes, mental health counselling is covered under the Student Travel Insurance Plan.

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Student Explore: UIN - IRDA/NL-HLT/RHI/P-T/V.I/71/2014-15

Disclaimer: The information provided is for reference purposes only. Please refer to the official websites for country-specific information and policy documents for details on plan benefits, coverage, and exclusions.

^^Number of Travellers Served till Dec'25

**Number of Claim Amount Paid as of Dec'25

^Family members on the same policy with the same sum insured receive discounts on the premium of additional members covered: 2 members 5%, 3 members 10%, 4 members 15%, 5 members 17.5%, 6 members 20%.

##The life-threatening pre-existing diseases are covered up to 10% of the sum insured (max. up to $10,000) if disclosed during policy purchase.

~The premium is calculated for a traveller who opts for a sum insured of $30,000 for 30 days, with no pre-existing disease.

1. The premium is calculated for a traveller who opts for a sum insured of $30,000 for US and Canada for 730 days, with no pre-existing disease.

2. The premium is calculated for an individual (12-17 years), with a coverage of unlimited sum insured for 730 days.