Back in the day, the thought of getting travel insurance didn’t cross the mind of travelers. Just bringing up the subject of insurance meant giving customers something to worry about, so travel agents never had the guts of offering travel insurances, lest they mess up a potential deal.
But as accidents and emergencies continue to take place and people realized that, without any travel insurance, they’re virtually left helpless, getting covered has become a necessity. Also back in the day, only professionals can avail of travel insurance policies. These days, with every younger generation becoming more and more adventurous, students can get themselves student travel insurance.
Some people who buy travel insurance do not fully understand the terms and plans covered by their travel insurance policies. This is either because they did not ask the right questions or their travel insurance provider did not explain carefully the important information. If you’re a student, your source for student travel insurance might underestimate you and leave you in the shadows without enlightening you about your coverage. To avoid this, don’t hesitate to ask all the questions you have in mind.
Student travel insurance usually comes cheap. Travel companies that offer this kind of travel insurance takes into consideration the economic situation of students. Students in general still don’t make their own money and allowances can get delayed. That’s why the rates for travel insurances for students are more affordable compared to any other kind of travel insurance. The downside is that this kind of travel insurance has less coverage.
The usual risks included in travel insurance policies are medical expenses, delayed departure, cancellation, curtailment, loss, damage or delay of baggage, immediate replacement for essential items such as prescription drugs or medicine, expenses for accidents, injuries, or disablement, overseas funeral expenses, legal assistance, and rental car damage.
The usual risks excluded in travel insurance policies are expenses for accidents, injuries, or disablement due to the use of alcohol or drugs, some pre-existing medical conditions, and expenses related to pregnancy. Some travel insurance providers include war and acts of terrorism in their policies while others do not. Student travel insurance may not include all of the above-mentioned risks in the policy, and even if they do, the service may not be as high-quality as other types of travel insurance.
As a student, you should learn how to get your money’s worth, especially since it’s not your hard-earned money you’ll be spending but that of your parents, guardian, or sponsor. Getting student travel insurance isn’t the only thing you can get for a lower price. You can also avail of cheaper airfare and hotel accommodations. Ask your travel agent where to get the best travel deals for students like you who are ready to see the world.
Traveling should be fun. There are so many things to discover and explore, from different places to different people and culture. With student travel insurance, you won’t have to worry about being helpless in the face of emergencies or accidents. You can count on your policy to cover you and back you up in your time of need, when a trip may not go as smoothly as planned.