Student travel insurance

With education becoming so very important and an essential part of every sector of life it is but natural that there will be competition among your friends, as youngsters and very rightly taking advantage of this are the educational institutions that promote various facilities, each one better than the other. Your parents want to give you the best of education be it in your own land or by going abroad. Today even a middle-class father wants his child to go abroad and pursue his/her dreams and he manages this by taking loans. This is why student travel has come into the picture.

It is agreed by one and all that traveling by itself is a kind of education. You may travel to study or volunteer or you may just travel to experience the joys of traveling, the thrills and the adventure it consists of. There are many sites that provide information about Student Travel Insurance to different places, accommodation, lifestyles, conversion, educational institutions etc. These students who travel across countries, abroad or even within the country do so on a monthly, quarterly (3 months), twice a year (6 months), yearly (12 months) or for 3-5 year basis. Hence the whole traveling process becomes expensive, in order to help you save a few bucks on your travel so that you can use it in a better way, the concept of Student Travel Insurance was introduced. It gives information about:

Backpacking

This is the most popular kind of student holiday. It is low cost. It is highly flexible, and it helps the students to see what the world has in store for them. The backpackers are advised well in advance to plan their trip.

Travel on gap years

While you finished school and you were pursuing higher education what did you do Nothing, right. But each year thousand of youngsters like you choose to take a break in between and journey abroad for a gap year adventure. This refreshes them, and gives a new perspective to their studies while some turn to work.

Discount travel deals

A range of backpacker travel insurance policies that is suitable for young travelers are available. The International Student Travel Confederation offers students an international student identity card, which is recognized across the world.

Long-term ski travel

This section provides information on the work that you can find as chalet workers or ski instructors for the winter holidays or gap year breaks.

Student Travel Insurance

The low cost Student Travel Insurance is the best that you can get if you are one of those who travel a lot. This is ideal for backpackers and students as it offers cheap travel insurance for extended stay trips, incase you go for 3 months and end up staying they for 5 months then this is very effective. Along with travel even adventure sports activities are included as standard i.e., if you want to go for a hike, or an underwater dive then the student travel insurance is ideal.

The benefits of Student Travel Insurance are:

Medical Emergency Repatriation

Schedule Airline Failure Insurance

24x7 Medical Emergency Assistance

Adventure Sports Activities

14 Day Money Back Guarantee

Patriot Student Insurance Coverage

Patriot International and Patriot America provide coverage for students wishing to travel abroad for a minimum of 15 days up to a maximum of one year. Patriot International provides coverage for US students and Patriot America, for non-US students. This plan is not renewable, but it can be rewritten for succeeding or subsequent coverage periods, which cover New Deductible, Eligibility, Coinsurance, Conditions of Coverage and Pre-Existing Condition Exclusions. For the non-US students, if any of their family members are 65 years old or more, a new application must be completed. If they need more information regarding this, then they can refer to the Eligibility in the Patriot brochure.

Benefits

The following benefits are included in each plan, when coordinated through IMG:

1. International Emergency Care -The Patriot Travel Medical Insurance Plan provides Emergency Medical Evacuations. In this, the expenses for travel and accommodation resulting from the evacuation and the cost of returning back, up to the policy limit, are covered.

2. Emergency Reunion To US $15,000 - The Patriot plan includes emergency reunion coverage, up to US $15,000 for maximum 15 days. The expenses of the person accompanying the insured, i.e. travel and accommodation, during Emergency Medical Evacuation, is covered.

3. Repatriation To US $25,000 If the covered illness results in death, the expenses, up to a maximum of US $25,000, for Repatriation of the bodily remains or the ashes, to their respective country will be covered.

4. Returning Minor Children- To US $5,000 If in any case, the person insured is hospitalized, and his minor children 19 years or under, are left unattended, then the Patriot plan will pay up to US $5,000 for their one way fare to their country, including a chaperone, if needed, for the childrens safety.

Special Coverage

1. Trip Cancellation To US $5,000 If there is a death in the family, during the covered trip, (death of a spouse, child, parent or siblings). The plan will pay for one way ticket of the same class as the unused travel ticket, less the value of the unused return ticket.

2. Lost Luggage To US $50 per item maximum of US $250 This benefit will be paid only if the Common Carrier loses the insured persons checked luggage.

3. Common Carrier Accidental Death US $50,000 to Beneficiary; maximum of US $250,000 per family. This benefit will be paid if accidental death occurs while traveling.

Medical Benefits covered under this scheme are : Dental, Intensive Care, Outpatient, Local Ambulance and other medical expenses.

Sports Each plan covers injuries caused during amateur athletic activities. However, hazardous activities (mountain climbing, bungee jumping, sky diving, skiing) are not covered by this plan.

Benefit Period Six Months

If the treatment, for the covered illness, has to be continued even after the policy expires, and if the treatment began less than six months before the policy expired, the benefits for the same will continue further for a period of six months.

Ex-Patriot Plus This plan provides coverage for both US and non-US students traveling outside their country of citizenship, for a period of minimum six months to maximum

two years. This plan must be purchased for a minimum period of six months and is then renewable for a period of two years for those who are traveling outside US, and for the non-US, traveling within US, this plan is renewable for one year.

Advice

We offer you the following tips so that you are able to enjoy your trip to the fullest and safely;

v Before Travel

- Make sure you are insured, and you know exactly what all you

are /and are not covered for. It is very important that you check for travel warnings i.e., if it specifies that you cannot travel to any place which is prohibited by the policy and you choose to travel to that very place then this will invalidate your policy. This makes a lot of sense.

- Double-check all the important items like passports, visas, permits, vaccinations and other medications.

- A cyber cafe is a best way of keeping in contact with near and dear ones whenever you are out. So get a hotmail or a web e-mail account because it is very economical than the ISD calling charges.

- Do not carry with you large amounts of cash, as it is risky. Instead you can take along Student Travel Insurance cheques or credit cards. Please do not forget that most of the travel insurance policies have single article limits so make sure that you have their number to cancel your credit cards.

- Last but not the least dont forget to carry along with you a small first aid kit along with it you can also carry with you a sewing kit and a multi tool kit.

* While Traveling

- Be ready at the airport much ahead of time so that you have more time for check in.

- Be careful when you pack any carry on bags as the security measures keep on changing.

- Always keep baggage to the minimum this makes it easy to manage and keep a count of it.

- Never display your residential address on your bags instead its a better option to display your hostel/hotel address and telephone number on your bags.

- Always keep valuable items and money with you and not in the packed bags that are checked.

- Always carry your Student Travel Insurance documents with you.

* General Safety

- On reaching your destination first and foremost look out for all the important text services like- Post Office, Police, Doctor and Medical Facilities.

- If you are putting up in a hostel firstly check the health and safety standards of the room because they are not the same everywhere.

- Check for the drinking water; ensure if it is safe else boil the water.

- Please never leave belongings unattended or with strangers and in case of theft obtain a police or hostel report.

- Most common yet witty and always taken for granted advice is always make use of the God gifted talent Common Sense.

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