How to get budget travel insurance for students

What budget travel means to you?

Travelling takes us out of our comfort zones and inspires us to check, taste and try new life. It constantly challenges us, not only to adapt to and explore new surroundings, but also to engage with different individuals, to embrace adventures as they come and to share new and meaningful experiences with friends and loved ones.

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The world is a smaller place today and students regularly travel abroad to study. Or maybe they’re taking a gap year to travel the world. Either way, these students don’t have access to funding or support from family and friends like they would at home. And since youth also brings with it a certain amount of carelessness, accidents and illnesses are not excluded.

One of the most important things students planning to go abroad can do is get travel insurance before traveling. The prejudice that insurance is very expensive is no longer true. Today, there are tailor-made policies designed specifically for students working on a very tight budget.

Choosing the right kind of travel insurance for students

Choosing the right kind of travel insurance for students is very important. Here is a list of things to look for in your insurance coverage to ensure you have a comprehensive budget travel insurance package:

  • Make sure hazardous activities are covered as standard in your insurance package. Students engage in sports and this can cause injuries. By having coverage, they are covered and don’t have to worry about prohibitively expensive medical bills.
  • Look for a policy that offers 24-hour emergency assistance. You never know when you might need help, so it’s important to know that you have a support system in place.
  • Look for standard coverage for pre-existing medical conditions. Insurance companies can provide free medical coverage for a variety of conditions as part of the standard coverage. Check if your condition is on that list. If so, you can save a lot of money on medical bills.
  • If your medical condition is not listed as part of the insurers’ standard coverage, contact them to see if they can provide additional coverage for your condition.
  • Review the policy in detail and see if there are any add-ons you need that are not part of your standard coverage. You may need to adjust your policy to include cover for your valuables, cover for cancellations, deductibles, etc.
  • Make sure there are no hidden costs when purchasing your travel insurance. Ask about all costs in advance so that you know exactly how much you are paying for your policy.
  • Make sure there is an option for home repatriation in your insurance plan.
  • Choose the right cover for your trip. If you plan to stay in Europe, you will get a cheaper plan. However, if you are planning to go to countries other than Europe, be prepared to spend some extra money.

Ideally, you don’t need to use your travel insurance at all during your trip. However, should the worst happen, you will really appreciate the protection your travel insurance provides.

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Why is budget travel good for you?

Travel relieves stress and boosts happy hormone

Travel has the ability to take you out of stressant and into new circumstances and adventur and this can reset your physics and calm your mind. Even planning a adventure can have an fantastic effect on the body – it boosts happiness and feels satisfying.

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