Studying abroad is a dream come true for many students. It offers new opportunities, global exposure, and the chance to build a bright future. However, before packing your bags, one of the most important things you should secure is Travel Insurance. This essential coverage protects you from unexpected expenses such as medical emergencies, lost baggage, or trip cancellations during your stay overseas.
If you’re planning to study abroad in 2025, this detailed guide will help you understand what Study Abroad Travel Insurance is, why it’s important, what it covers, and how much it costs.
What is Study Abroad Travel Insurance?
Study Abroad Travel Insurance is a specialized insurance plan designed for students traveling to another country for educational purposes. It provides financial protection against emergencies such as illness, accidents, medical expenses, loss of passport, and more while you are studying abroad.
In simple terms, it ensures that no matter what happens during your studies overseas, you won’t have to face financial stress or interrupt your education.
Why Students Need Study Abroad Travel Insurance
When you live in a foreign country, unexpected events can happen at any time. Medical care in countries like the USA, UK, Canada, or Australia can be very expensive. Even a small medical issue could cost hundreds or thousands of dollars. Having Study Abroad Travel Insurance ensures that you are covered for such situations.
Here are some key reasons why it’s essential:
-
Medical Protection – Covers hospitalization, doctor visits, and emergency medical treatments abroad.
-
University Requirement – Many universities require students to show proof of travel or health insurance before enrollment.
-
Financial Safety – Protects you against financial losses due to theft, baggage loss, or passport loss.
-
Peace of Mind for Parents – Parents feel assured knowing their child is protected against emergencies abroad.
-
Legal and Repatriation Assistance – Covers expenses for repatriation in case of serious illness, injury, or even death.
Key Benefits of Study Abroad Travel Insurance
Here’s a quick look at the major benefits and coverage limits offered under the Sapphire and Sapphire Plus plans:
| Benefit | Sapphire Plan | Sapphire Plus Plan |
|---|---|---|
| Medical Expenses for Sickness & Hospitalization Abroad | USD 50,000 (Excess $125) | USD 100,000 (Excess $150) |
| Emergency Dental Care | USD 1,000 | USD 1,000 |
| Travel of One Immediate Family Member | USD 5,000 | USD 5,000 |
| Repatriation of Mortal Remains | Actual Expenses | Actual Expenses |
| Transport or Repatriation in case of illness or accident | Actual Expenses | Actual Expenses |
| Loss of Passport | USD 300 | USD 300 |
| Loss of In-flight or Checked-in Baggage | USD 500 | USD 500 |
| Accidental Death | 100% of Principal Sum Insured | 100% of Principal Sum Insured |
| Permanent Total Disability | 100% of Principal Sum Insured | 100% of Principal Sum Insured |
Duration and Premium
The cost of your study abroad insurance depends on how long your course lasts. The plans are designed to suit different study durations — whether short-term, yearly, or multi-year programs.
| Duration | Sapphire (USD 50,000) | Sapphire Plus (USD 100,000) |
|---|---|---|
| 180 Days | Rs. 14,950 | Rs. 20,125 |
| 365 Days | Rs. 21,850 | Rs. 29,325 |
| 24 Months | Rs. 42,550 | Rs. 56,925 |
These premium plans offer comprehensive protection at affordable prices, ensuring that students can travel confidently without worrying about sudden expenses.
Medical and Hospitalization Coverage Abroad
Healthcare costs abroad can be overwhelming, especially in developed countries. With Study Abroad Travel Insurance, you can get coverage for:
-
Doctor consultations and hospital stays
-
Diagnostic tests and surgeries
-
Emergency evacuation or ambulance service
-
Outpatient and in-patient care
The Sapphire Plan offers up to $50,000 coverage, while the Sapphire Plus Plan doubles it to $100,000, ideal for destinations with higher medical costs like the USA or Europe.
Non-Medical Benefits for Students
Besides health coverage, this policy provides additional protections that are particularly valuable for students:
-
Loss of Passport: Assistance and reimbursement up to USD 300.
-
Loss of Checked-in Baggage: Compensation up to USD 500 for lost or delayed baggage.
-
Emergency Family Visit: Covers travel costs (up to USD 5,000) for one family member if you are hospitalized abroad.
-
Repatriation Benefits: Covers actual expenses for medical repatriation or return of mortal remains.
-
Accidental Death and Disability Benefits: Provides 100% compensation of the insured sum in case of accidental death or permanent disability.
How to Choose the Right Plan
When selecting the best Study Abroad Travel Insurance, consider:
-
Your Destination Country: Choose a higher coverage plan (like Sapphire Plus) for countries with expensive healthcare.
-
Duration of Stay: If your study program exceeds a year, opt for the 24-month coverage for uninterrupted protection.
-
University Requirements: Some institutions specify minimum insurance coverage amounts — ensure your plan meets those.
-
Personal Health History: If you have pre-existing conditions, check if additional coverage is available.
Example Scenario
Imagine you’re studying in Canada and suddenly fall ill, requiring hospitalization. Without insurance, even a two-day hospital stay could cost over USD 5,000. With Sapphire Plus coverage, all your medical and repatriation expenses would be taken care of, saving you from heavy financial loss.
How to Buy Study Abroad Travel Insurance Online
Purchasing travel insurance for studying abroad is quick and convenient. Follow these simple steps:
-
Visit the United Insurance online portal: https://online.theunitedinsurance.com/buy-travel-policy-online
-
Select your plan: Choose Sapphire, Sapphire Plus.
-
Enter your study duration and personal details.
-
Pay securely online.
-
Receive your policy instantly via email in printable PDF format — ready to attach with your student visa application.
Final Thoughts
Studying abroad is a major investment in your future, and securing the right Study Abroad Travel Insurance ensures that your academic journey is smooth, safe, and stress-free. With comprehensive coverage for medical expenses, repatriation, and travel-related risks, the Sapphire and Sapphire Plus plans offer reliable protection at affordable rates.
Before starting your study adventure, make sure you’re insured — because peace of mind is the best travel companion you can have.
