Travelling is full of fun and adventure. Whether visiting your favourite location or going abroad for further education, securing your trip with travel insurance is necessary.

With so many travel risks, such as medical emergencies, flight delays and more, having a reputable travel insurance plan will be your friend in a foreign land. Your travel insurance policy has several features, like baggage insurance, which will keep you covered during a range of emergencies. However, the suitable travel insurance policy differs from person to person, based on their needs.

A student going to pursue higher education cannot take standard travel insurance. Similarly, for tourists, student travel insurance won’t do any good. Since some of the clauses for both are the same, people also prefer to opt for standard travel insurance for students. However, before buying a policy, it is best to compare travel insurance based on premium and coverage to get the best deal.

Here, we will discover the difference between standard and student travel insurance.

What is Standard Travel Insurance?

A standard travel insurance policy is for individuals visiting a domestic or foreign place for tourism or work-related activities. The plan was curated in a way to secure the entire vacation of individual travellers against any unforeseen emergencies.

A standard travel insurance plan covers emergency cases such as trip cancellation, baggage loss, etc.

What is Student Travel Insurance?

A student travel insurance plan is well-designed for students travelling abroad to pursue their education. These plans ensure the safety of students in foreign lands and provide emergency assistance in case of passport loss, financial problems, and more.

Difference Between Standard Travel Insurance and Student Travel Insurance

Standard Travel Insurance Student Travel Insurance
Standard travel insurance plan can be for anyone visiting the country either with tourism purpose or visiting a relative. It is for students who are pursuing their studies in different countries.
Standard insurance plan is for someone visiting the country for a short period. Student medical insurance is valid for a long duration.
The standard travel insurance covers the different damages during the trip such as baggage loss, trip curtailment, etc  Student travel insurance plan covers the regular benefits offered by standard insurance policy but also offers extensive coverage such as reimburse the student’s tuition fee, which got interrupted due to a medical emergency.

Things to Keep in Mind While Buying Travel Insurance

A travel insurance plan is necessary while travelling to a foreign nation. You never know what challenges you might face. Dealing with those challenges can be overwhelming and can de-track your whole travel plans. Whether visiting a family on a business trip or pursuing your education, ensure you have the correct travel insurance policy. Some of the factors that will help you choose the right travel policy.

  • Travel Length Period

The first thing to consider while buying a travel insurance policy is the length of your trip. If you plan to stay long, you must have an insurance policy with high coverage for the entire duration of your extended stay. If you are visiting for tourism purposes, make sure your travel insurance plan or policy covers the entire trip duration.

  • Medical Conditions

Medical condition is another important factor when choosing travel insurance. Individuals with no medical condition can go with a standard plan, but someone with medical risk should seek a plan that covers their medical conditions.

  • Frequent Travelling

If you travel frequently to a foreign country for any reason, go with a multi-trip insurance policy. In contrast, someone travelling rarely should go with a single-trip insurance plan.

  • Travel Destinations

Moreover, another factor to consider is the travel destination. Geographical location is very crucial in selecting a travel insurance policy. Most insurance companies have plans based on country requirements, such as high medical costs in European nations.

Conclusion

No matter what the purpose of your trip is, securing the trip with travel insurance is essential. With many cases like medical emergencies, theft and accidents while travelling, you do not want to sabotage your trip. Further, it becomes mandatory when travelling for education since you will stay there for an extended period.

With that in mind, take out your travel insurance plan that offers more comprehensive coverage with zero hassles.