How to Select Study Abroad & Travel Insurance
So Many Types of Coverage! What to Get?
A guide to study abroad and travel insurance to help students select and purchase a plan.
Do I Need Insurance for Study Abroad?
Studying abroad is a life-changing experience, but along with the journey come many speed bumps and headaches. You can never anticipate the issues that may arise while studying abroad and traveling, which is why travel insurance is a great thing to consider because there’s always that chance…
… you get sick and require treatment
… you break a leg skiing in the Alps
… your flight is cancelled and your entire weekend trip gets derailed due to a transportation strike
… your phone or laptop gets stolen from your hostel
… you break your camera
… a family member dies and you need to fly home immediately
These can set you back thousands upon thousands of dollars and without the proper coverage you might be paying for them out of pocket. Try explaining that one to mom and dad back home!
Even the most experienced travelers have the occasional setback and it’s smart to be prepared for the worst. Having insurance that provides you with medical, logistical, and financial support is important.
School-Sponsored Group Policies
Some colleges and universities in the United States suggest students enroll in their program’s group policy before they even set foot on the plane to Europe. These policies can usually be purchased in supplement to your upfront pre-departure expenses and coverage is often limited to international health insurance.
While some United States domestic health plans offer overseas coverage, a good number do not, so before you opt-in for a group policy, first double check your existing coverage to see if it offers you any benefit. If you don’t have domestic health insurance, a sponsored group policy might serve as your only insurance while studying abroad.
If your domestic provider doesn’t offer overseas coverage and your school doesn’t have a group policy, you’re on your own for insurance.
I had a blast visiting Prague for the first time with WSA. To start, the hostel that WSA booked for the tour was incredible. The entire staff was very helpful, the rooms were nice, and there was a really cool bar downstairs with live music every night. Our tour guide was top notch as well. He was really fun and flexible with whatever our group wanted to do while making sure we saw all of the major sights, good places to eat, as well as the night life! I thought this trip was much easier to book through WSA rather than figure it all out myself and I would recommend it to anyone who wants to get the most out of their trip!Alex Dornacker, Central College ~ Center of Modern Languages, Granada,, Fall 2015
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