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.

Alison Wendler, Universsity of Washington

Happy Backpackers

I had an absolutely amazing time on my WSA trip to Krakow, Poland. I felt like a got a lot out of my money and it was so nice not to have to worry about anything because WSA takes care of it all. Our guide was absolutely fantastic and was there with us for everything we needed-it was great to have someone around with you who knew the city so well. This is definitely a trip I will never forget. I already want to start planning my next WSA trip. What amazing destination to pick next is the hard part!

Alison Wendler, Universsity of Washington ~ National University of Ireland, Galway, Spring 2016

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