Why You Should Get Student Travel Insurance
Article by DAVID HAHN
Travel insurance applies to anyone who wants to travel the world, and it includes domestic travels. There are far too many risks that are involved in any kind of trip, whether it?s for business or vacation. They include unexpected medical expenses, disasters caused by natural phenomena (like floods and earthquakes), court litigations, delayed departures, loss of luggage and money, kidnaps and ransoms, accidents, and even death. A student planning to travel would thus benefit from a student trip insurance cover, more precisely, a student travel insurance.
You may already know that there are various forms of trip insurance. These are single trip, annual family travel insurance or multi-trip, medical, group, and business trip insurance. Student travel insurance may take the form of a single-trip insurance, annual, medical or even group trip insurance, with tailor made specifications to suit the student?s needs. Most likely, group trip insurance is acquired by students as they are likely to travel in clusters. After all, educational field trips are the main cause of student travels.
Students with travel insurance are typically covered on many things. The most common coverage includes medical expenses, loss of baggage, personal liability, interruption in travel plans and emergency services. Other options that a student may request to have included are injury and accidental death, repatriation, delay in flights and defaulting by tour operators. Insurance companies regard student travels as high-risk activities. Of course, it is only natural since youngsters are more adventurous and daring. With students, the circumstances involved are a bit bolder than usual. Energetic students may try everything fun and exciting, albeit precarious, things like rock climbing, bungee jumping, and scuba diving.
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A standard policy will offer compensation for any medical expenses incurred during the trip, delayed departures or cancelled trips, transport costs incurred in the event of an illness or injury, and reimbursements for those whose trips have been shortened unexpectedly. It is also worth noting that certain policies do not cover fully for the baggage lost during travel. Therefore, it is recommended to request a policy upgrade if your luggage will involve a lot of valuable things like laptops and other pricey equipment.
There are also special types of student trip insurance policies. Student backpackers, for example, have their specific kind of insurance. Unlike the standard travel insurance that is for a limited period, a backpacker?s insurance is designed to cover a prolonged travel period as well as addressing the unique needs of the backpacker. Also, there is a special kind of insurance for students studying overseas. This policy does not cover medical expenses; it only covers loss of course fees in the event the student cuts short his course due to illness or injury.
There are plenty of insurance providers that offer various types of student trip insurance. All it requires you is to do some online research and conduct a decent travel insurance comparison in order to get the most apt policy.
About the Author
For more information about student, family travel insurance, and doing the right travel insurance comparison, visit TravelInsuranceFacts.net
Source: http://www.compareinsurance-rates.com/why-you-should-get-student-travel-insurance
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