Travel insurancemight be the last thing on your mind when organising your epic trip. But when you’re carrying all your belongings in a backpack and intend to be away for a while, having the right cover in place should be a vital part of yourplans.
What kind of student travel insurance will I need?
The policy you need depends on how long you'll be travelling for. If you're lucky enough to be taking a few months – or even a year – to travel, then you'll need a policy that covers you for the fullduration.
Unlike many single trip policies that cover you for up to 31 days away, our single trip policy covers you for 365 days, as long as you don't come back to the UK at all during thatperiod.
If you're breaking up your travels over the course of a year, or studying abroad as part of your university course and planning to return to the UK after each term, then an annual policy – which allows multiple trips abroad, up to 31 days per trip as standard – could be right foryou.
Admiral Student Travel Insurance comes with three tiers to choose from – Admiral, Admiral Gold and Admiral Platinum – with increasing coverage and productbenefits.
Admiral | Admiral | Admiral | |
|---|---|---|---|
Excess | £100 | £75 | £50 |
Emergency medical treatment repatriation (Limits upto) | £10M | £15M | £20M |
Cancellation or cutting short your trip (Limits upto) | £1.5K | £3K | £5K |
Personal belongings (Limits upto) | £1K | £2K | £2.5K |
Money & documents (Limits upto) | £300 | £400 | £500 |
Read the full list of benefits in the policy summarybooklet.
Which countries does student travel insurance cover?
Your student travel insurance needs to cover you in all the countries you're visiting, as well as every stop you make on the way (even if you're only passing through the country on an interrailingtrip).
If you're heading to Europe, aEuropean travel policyshould meet your needs. We also include the following countries in our European travelinsurance:
- Egypt
- Morocco
- Tunisia
- Turkey
If your student travels are taking you further afield – to America,Australiaor the Caribbean for instance – you'll need to look at aworldwide insurance policyinstead.
We offer twooptions:
- Worldwide
- Worldwide excluding USA, Canada, Caribbean andMexico
What's the difference between standard and student travel insurance?
Most travel insurance policies will cover you for things like:
- Accidents
- Illness
- Loss or theft of personalbelongings
- Traveldelay
But if your student trip is going to last longer than the average holiday and you'll be trying out some extreme sports along the way, then you may need to look at some additional or specialist cover. Check thepolicy bookletorcontact usto find out if the activity you want to do iscovered.
Volunteering or working abroad
Whether providing childcare in a developing country's orphanages, helping on sustainability projects in a rainforest in Peru or feeding pandas at a conservation project in China, volunteering for a great cause abroad is a fantastic thing to do when you're astudent.
It's a feel-good and do-good experience you'll treasureforever.
Maybe you're planning on working your way through your travels, taking on temporary jobs to help cover the cost of youradventures.
Ourtravel policieswill cover you for your trip as long as you're not doing manual work. We define this as ‘paid or unpaid manual work or physical labour of any kind’.
For example, we won’t cover activities that require any heavy lifting or risk physical injury. If you’re unsure if what you plan to do is considered manual work,call our teamto doublecheck.
Student ski travel insurance for skiing and adventure holidays
We know relaxing on a beach isn't everyone's idea of fun. If you're planning to try new experiences and activities on your travels, make sure you check yourtravel insurance policy bookletfirst.
While our standard travel insurance covers you for active pursuits such as sail-boarding and surfing, anything riskier like diving with sharks or canyon swinging (yes, it's a thing!) will require a ‘hazardous activity' upgrade to yourpolicy.
And if you're hitting the slopes, you'll need ourwinter sports insuranceupgrade to cover your ski equipment and activities from skiing tosnowmobiling. Without this upgrade, your trip won’t be covered atall.
Accidents and illness can happen, of course, so don't forget your European Health Insurance Card (EHIC) if it’s still in date. Otherwise you should apply for a new Global Health Insurance Card (GHIC). These cards aren’t a substitute for travel insurance,though.
They entitle you to emergency care but treatment may not be free, and the cards won't cover extra costs such as those of getting you back to the UK in a medicalemergency.
What about gadget travel insurance?
We know you won't want to be parted from your tech on your travels – how else will you Skype your family or Instagram your latestlocation?
But accidents happen, and expensive gadgets can get lost or stolen, so check your policy covers things such as smartphones, cameras ortablets.
If the value of your tech adds up to more than the valuables limit under your personal belongings cover in your travel insurance, you can add on gadgetcover.
Admiral's gadget travel insurance pays up to £1,500 for gadgets that are lost, stolen or damaged on your trip.
What if I have a pre-existing condition?
A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance. This includes having symptoms, tests, diagnosis or medical treatment for acondition.
You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 2349913.
Your pre-existing conditions won’t be covered unlessyou’ve:
- Declared them all on yourpolicy
- Received written confirmation that we’ll cover your medicalcondition
- Paid any additional premium infull
Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on yourpolicy.
If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim yousubmit.
For a quote with us, click the green button above.
The MoneyHelper directory
If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medicaldirectory.
If you wish to get in touch with them you can call them on 0800 138 7777 or find them online. (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bankholidays.)
