Student Travel Insurance Guide

STUDENT TRAVEL INSURANCE EXPLAINED

Claims and what you are not covered for!

Most travel insurance is not tailored to the individual. Instead, you buy a one-size-fits-all policy and the insurance company controls its costs by putting exclusions on the claims it will meet. Therefore, it is very important that you check the policy wording for exclusions before you buy.

Beware - There are limits on each section of the travel insurance policy. You should make sure the limits are high enough for your own circumstances. For example, a policy that limited the payout to £500 if you cancelled the holiday would not be enough if the holiday cost you £1,000.

Excesses
Usually there is an excess for each section of the policy. An excess is the part of a claim that you must pay yourself. For example, if you claim back medical emergency costs of £3000, you might have to pay the first £150 yourself, reducing the amount you get from the insurance company to £2850. Many insurers waive the medical excess if you make a claim having used your E111. Many travel insurers allow you to carry a larger voluntary excess yourself to reduce the cost of the premium. They can do this as this reduces the number of small claims made.

Policy Conditions
Check what conditions apply for a claim to be valid. For example, sports equipment may need to be locked up when not in use and, if something is stolen, you must usually have reported the theft to the local police.

Helplines
If you have a medical emergency, it is usually a condition that you call the emergency helpline either before or as soon as possible after starting to receive treatment.

More Explanations
What is an E111?
What type of travel insurance policy do you need?
What should I be covered for?
What am I not covered for?
How is my premium calculated?

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