Best International Travel Insurance to Look For in 2024

Best International Student Travel Insurance to Look for in 2024

Many reputed insurance companies offer travel insurance policies. While working professionals, families, and business travelers often opt for these, the importance of these policies for students is often under-discussed. Indian students, who travel from India to a foreign country to pursue education, need international travel insurance as much as anyone else.

While moving to a foreign country, international students need temporary travel insurance to safeguard their belongings and cover any expenses that could arise from medical emergencies or other reasons. Travel insurance policies also benefit students when traveling to and from home during holidays.

Here are some of the best international student travel insurance policies to consider in 2024:

Reliance Student Travel Insurance Plan

This travel insurance plan by Reliance is designed to support Indian students studying abroad who may face financial crises. A significant advantage of this travel insurance policy is that students don’t need to submit paperwork or undergo medical tests.

This plan is offered in five variants: Basic, Standard, Silver, Gold, and Platinum. The Platinum plan offers the most comprehensive coverage. Each variant provides different benefits.

Coverage Includes:

• Medical expenses, medical evacuation, pre-existing diseases
• Mortal remains repatriation
• Personal accident, loss of passport, study interruption
• Personal liability, dental treatment, sponsor protection
• Accidental death, bail bond

For students opting for Standard, Silver, Gold, or Platinum plans, additional coverage is available for:

• Drug and alcohol dependency treatment
• Nervous disorders, mental health treatment
• Pregnancy-related hospitalization

Bharti AXA Smart Traveler Student

Indian students who feel anxious about accidents or illnesses while studying abroad often choose Bharti AXA Smart Traveler Student Insurance. This international travel insurance online plan offers comprehensive coverage to address such concerns.

The policy offers four variants: Standard, Silver, Gold, and Platinum.

Coverage Includes:

• Medical expenses, personal accident
• Loss of important documents like passports
• Study interruption, personal liability
• Compassionate visits, disability benefits
• Bail bond, accidental death, sponsor protection

By paying a 10% premium, students can also avail of add-ons such as:

• Medical expenses related to alcohol and drug dependency
• Childbirth and pregnancy coverage

Star Student Travel Protect Insurance

The Star Student Travel Protect Insurance plan is structured to assist international students during medical and non-medical emergencies. Available in three variants: Gold, Silver, and Standard, this good travel insurance plan offers wide coverage.

Coverage Includes:

• Emergency medical expenses, personal accident
• Sponsor protection, study interruption
• Dental emergency assistance, bail bond
• Loss of passport or baggage, compassionate visits

Chola Student Travel Protection Plan

Chola Student Travel Protection Plan is designed to ensure the safety of international students. This best international travel insurance policy covers multiple travel and medical risks without needing a medical check-up.

Coverage Includes:

• Medical expenses, treatment, loss of passport
• Bail bond, personal liability
• Sponsor protection, compassionate visits
• Study interruption, loss of baggage

Care Student Explore

Care Student Explore, formerly known as Religare Student Explore, is an overseas travel insurance plan specifically designed for students. This customizable policy offers a wide range of protections for students traveling abroad.

Coverage Includes:

• Sponsor protection, medical expenses
• Loss of passport, bail bond, compassionate visits
• Loss of devices like laptops or tablets
• Personal liability, loss of international driving license
• Emergency fund provision

Future Student Suraksha

The Future Student Suraksha policy ensures comprehensive protection for Indian students traveling abroad. This top travel insurance is popular among students due to its broad coverage and reasonable cost.

Coverage Includes:

• Medical expenses, personal accidents
• Felonious assault coverage
• Loss of passport, maternity benefits
• Personal liability

Universal Sompo Student Travel Insurance

The Universal Sompo Student Travel Insurance plan helps students deal with travel-related risks, including loss of passports. Available in three variants: Primary, Buddy, and Intellectual, this best travel insurance in India provides broad coverage.

Coverage Includes:

• Loss of passport, personal liability
• Compassionate visits, baggage delay
• Study interruption, hijack distress allowance

Royal Sundaram Travel Secure – Travel Plan

The Royal Sundaram Travel Secure – Travel Plan is a popular choice for Indian students abroad. The best overseas travel insurance offers five variants: Diamond, Platinum, Titanium, Silver, and Gold.

Coverage Includes:

• Medical expenses, dental treatments
• Bail bonds, physiotherapy

Oriental Overseas Mediclaim – Employment and Study

This international travel insurance is specifically tailored for students and employees traveling abroad. Oriental Overseas Mediclaim covers travel, financial, and medical risks.

Coverage Includes:

• Medical expenses, repatriation
• Personal accidents, loss of passport
• Check-in baggage issues

Tata AIG Student Guard

Tata AIG Student Guard stands out as the best travel insurance for Indian students abroad. It is available in multiple variants such as Ultimate, Ultimate Plus, and Supreme, making it easy for students to find a plan that suits them.

Coverage Includes:

• Medical expenses from sickness or accidents
• Personal liability, study interruption
• Dental treatment, compassionate visits

National Overseas Mediclaim Employment and Studies

National Overseas Mediclaim protects students from sudden exigencies while studying abroad. This best international travel insurance India policy provides essential coverage for medical emergencies and contingency insurance.

Coverage Includes:

• Medical bills, lost baggage compensation
• Repatriation, medical evacuation
• Emergency reunion coverage

Frequently Asked Questions (FAQs)

1. Which travel insurance is best for Indian students abroad?

Tata AIG Student Guard is considered one of the best travel insurance policies for Indian students. It offers wide coverage, including medical expenses, personal liability, and dental care.

2. What is the best travel insurance for medical emergencies?

Bharti AXA Smart Traveler Student provides excellent coverage for medical emergencies, making it a top choice for students traveling abroad.

3. Can I buy international travel insurance online?

Yes, several companies like Reliance and Tata AIG offer international travel insurance online, making it convenient for students to secure coverage before traveling abroad.

4. Which is the best travel insurance in India for students?

Care Student Explore is one of the best travel insurance in India for students, offering customizable plans and comprehensive coverage for study abroad programs.

5. Is travel insurance mandatory for studying abroad?

While not mandatory, investing in the best travel insurance like Chola Student Travel Protection is highly recommended to protect students from unforeseen events during their studies abroad.