Why overseas-bound Indian students must compulsorily buy international student travel insurance?

For every overseas-bound Indian student, having a safety net of student travel insurance is a proactive step toward ensuring their safety and well-being. Read on to learn more!

International Student Travel Insurance

Importance of student travel insurance

It's better to be safe than sorry! One of the primary reasons why an international student travel insurance policy is a must for Indian students going abroad is exorbitant health care expenses, often catching students off-guard. A comprehensive insurance policy ensures that medical emergencies and unexpected health issues do not lead to extreme financial distress. In case of accidents or emergencies, the insurance covers the costs of treatment, surgery, and follow-up care, if required. If a serious medical condition arises that requires evacuation back to India for treatment, overseas student travel insurance can also cover the expenses of repatriation, ensuring the student's safe return home.


  • International student travel insurance is comprehensive and cheaper than student insurance available at overseas universities.

  • Student travel insurance offers coverage for lost baggage, stolen possessions, or damaged valuables, thus reducing the financial burden

  • Some countries and universities make it mandatory for international students to have travel insurance before they arrive.

  • It is important to be aware of deductibles and exclusions of the student travel insurance policy.

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Other significant benefits of student travel insurance

Travel insurance also provides coverage in case of loss, theft, or damage to baggage and personal belongings, including laptops, smartphones, and other valuable items. Sometimes, unforeseen events such as family emergencies, natural disasters, or visa issues can cancel or disrupt travel plans. Student travel insurance can reimburse the non-refundable expenses related to travel and accommodation in such cases. In unfamiliar surroundings, students might face legal issues, visa problems, or other situations requiring legal help. Some insurance policies also provide coverage for legal expenses and assistance.

Cost-effectiveness of Indian insurance policies

Foreign universities usually recommend buying student insurance from the insurers they are associated with, but they are more expensive than their Indian counterparts. Moreover, abroad, this insurance only covers health and accidents and is not comprehensive like the student travel insurance in India.

Refund on policy cancellation

If the university or college abroad does not accept the insurance policy purchased in India, the policy can get cancelled easily and the premium is refunded to the insurer.

Parting thoughts

An international student travel insurance policy is not just an option but a necessity for Indian students venturing abroad for education. It comes cheaper than overseas student insurance and can be purchased from well-known insurers here. It is a proactive step toward ensuring their well-being, safeguarding their finances, and allowing them to confidently embark on their international academic journey.

Disclaimer: This article is intended for general information purposes only and should not be construed as investment or tax or legal advice. You should separately obtain independent advice when making decisions in these areas

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