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Top Tips for Student Travel Insurance

hazzle-free-holidayMany young people think getting travel insurance is a very ‘adult’ thing to do, and that only businessmen with meetings around the world or extremely rich people who travel on a regular basis are the ones who need it. But that truth is a very different story. Even students who are travelling for short period of time to reasonably close destinations need to be properly covered against unforeseen eventualities. But the process doesn’t have to be hard or even particularly daunting. Here are a few tips.

Gap Year Travel

Taking a gap year is a tradition taken up by many students, every year all over the world. This means there is a great need for appropriate travel insurance for these young travellers, especially those who will be visiting another country for the first time and, possibly, alone. Luckily, there is a range of travel insurance policies to cater specifically for people undertaking gap year travel. A tip: an important consideration when purchasing a policy of this type is the exact period of your travel, along with the destinations covered – even if you are just passing through a country.

Extreme Sports

Travelling to a foreign country to take part in extreme sports can have serious repercussions. Unfortunately, there is always the risk of injury, the gravity of which you can’t foresee. Another consideration is that you don’t know exactly where you are going to get injured – whether it’s in the city where hospitals are easily accessible or in the middle of the woods or up in the mountains where it will take hours before medical assistance can arrive. While there are many types of travel insurance that would cover basic medical emergencies, you will need to get one that has a more extensive coverage if you plan on undertaking any extreme sports or activities. There are plans that specify the type of sports included in their coverage, so this gives you options to choose from – whether you’re planning to go skiing in the Alps or white water rafting in Asia.

Going to More Than One Country

Many student travellers will have several different countries on their itinerary, and while getting travel insurance for each destination can be more expensive, it is still a better option than risking going to a country without it.

Overall, it’s not always easy to compute how much you will need to pay for a policy to cover you, but at the very least you need to ensure you have medical coverage and personal liability. Speak to a specialist to ensure you’re covered every step of the way.

Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies including annual travel insurance, single-trip, multi-trip and family insurance. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.

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