Education Travel Insurance

Discoverer Travel Protection Plan

Academic Travel Insurance for Students, Faculty & School Trips

Academic Explorer Travel Protection is designed specifically for students, faculty, and educational travel. Whether you’re planning a study abroad semester, class trip, or academic conference, this plan helps protect your prepaid, non-refundable travel investment.

Who is it for?

• Students (K–12, college, graduate)
• Faculty & educators
• School staff & chaperones
• Educational institutions
• Conference attendees
• Study abroad participants

Coverage Highlights

• Trip Cancellation — Up to 100% of insured trip cost
• Trip Interruption — Up to 125% of insured trip cost
• Trip Delay (6+ hours)
• Baggage & Personal Effects coverage
• 24/7 Travel Assistance services
• Optional Cancel For Any Reason (CFAR)
• Optional Interruption For Any Reason (IFAR)

Tuition may be included as an insurable expense when prepaid and non-refundable.

What Expenses Can Be Protected?

All insured expenses must be prepaid and non-refundable.

• Tuition tied to travel
• Program fees
• Airfare
• Housing or accommodations
• Other prepaid educational travel costs

Only actual cash payments made toward travel arrangements are eligible. Certificates, vouchers, discounts, or credits are not considered insured payments.

Study Abroad Insurance Coverage That Understands Academic Risks

• Required academic exams scheduled after purchase
• Extended school year requirements
• Level 3+ U.S. State Department travel warnings
• Jury duty or legal obligations
• Natural disasters
• Financial default of travel suppliers
• Covered illness or injury
• Certain security events

Who Is Eligible?

• U.S. residents
• Travelers under age 91
• Trips 365 days or less

Suitable for individuals, families financially responsible for students, or school-organized group travel.

Optional Upgrades

Cancel For Any Reason (CFAR): Time-sensitive and subject to requirements. Must be purchased at or before the final trip payment due date. Allows cancellation no later than 2 days prior to departure for reasons not otherwise covered. Reimburses up to 75% of prepaid, non-refundable insured trip costs. Not available in NY.

Interruption For Any Reason (IFAR): Time-sensitive and subject to requirements. Must be purchased at or before the final trip payment due date. Allows interruption 48 or more hours after scheduled departure. Reimburses up to 75% of unused prepaid, non-refundable land and water travel arrangements. Not available in NY or WA.

Key FAQs

Is this medical insurance?
No, this plan focuses on travel protection such as cancellation, interruption, delay, and baggage coverage.

When must CFAR/IFAR be purchased?
At or before the final trip payment due date.

When can CFAR be used?
Anytime up to 2 days prior to departure.

When can IFAR be used?
If you interrupt 48 or more hours after departure.

Can I choose only CFAR or only IFAR?
Yes, if eligibility requirements are met.

Should I insure the full program cost, including committed but unpaid amounts?
Yes. Travelers should insure the full trip cost they are contractually obligated to pay, including committed amounts that may still be unpaid under a payment plan. Coverage may apply up to the insured amount for both prepaid and committed expenses, minus any prorated days used, if a covered event occurs. Claims are subject to review and verification.

Can I update my policy?
Yes. Contact Customer Care to request changes. Additional premium may apply if trip cost or length increases.

Looking to Partner with Us?

If you’re part of a school, college, educational tour organization, or broker and would like to offer this plan to your student travelers that reside in the U.S., we’d love to hear from you. Fill out the form below to learn how to partner with us and support safer, smarter travel for your academic community.