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Travel Insurance Tips for Students

By on February 6, 2010

A number of students nowadays have to leave station in order to study. In order to lessen the worry of parents as well as that of students, a number of insurance companies have introduced provision for students who travel abroad in order to pursue their studies. Though it may often seem like a daunting task to choose the right travel insurance that fits your needs, you can make a good choice if you know what to look for before getting a travel insurance.

Remember – it is important that you do not lose your way in the complicated maze of varying offers by different travel insurance companies.

Travel insurance for students studying abroad must include the following provisions:

•    Medical insurance: This covers the medical bills that a student needs to pay, either when he or she becomes admitted to a medical facility or suffers an accident. This coverage must have the following provisions:
1.    Some diagnostic tests like x ray.
2.    Medicine
3.    Hospitalization charges
4.    Provision for ambulance as well as other emergency transport services.

•    Loss of baggage or theft: The insurance must have the provision to pay up in case a students loses the baggage or suffers a theft. Depending on the coverage that you have opted for, some insurance companies also have the provision to pay a certain amount in case your luggage is delayed, in order to help the students buy certain necessities.

•    Coverage in case your trip is canceled: This usually covers up the airlines expenditure, especially the non refundable ones, in case your trip is cancelled or has to be delayed due to non avoidable situations. Remember to opt for this coverage within 2 days of booking your ticket to avail of the benefits on offer.

Apart from these provisions while making your travel insurance, also remember to take note of the fine prints, if any, in your insurance contract so that no complications arise at a later date. Make sure to get all your queries answered to your satisfaction by the travel insurance agent before signing on the dotted line. So, do your homework well to choose the right travel insurance that lets you pursue your education without hassles.

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