Educating Students about Travel Insurance

Whether you’re trying to convince students to take the first step to purchase a plan, explaining the importance of travel insurance responsibility or teaching them how to understand their plan – we’ve got you covered.

Common Problems Travel Insurance Can Help Students Overcome

  • Baggage delayed or baggage lost in transit to student travel destination. These benefits can help to reimburse for lost items or necessities purchased while luggage is delayed.
  • A trip interrupted due to a covered emergency situation. Interruption for Any Reason reimburses a percentage of the pre-paid, non-refundable trip cost, there will be coverage in the event a student becomes homesick or needs to interrupt their trip for another reason not listed in the policy, where applicable.
  • Trip cancellations for terrorist events, unforeseen illness of the participant or a family member, an event that makes the student’s home uninhabitable, or if a natural disaster has caused the destination to be uninhabitable.
  • Travel delays due to flight delays or delays in obtaining travel documents (such as a passport or a visa).

Discussion Points for Your Students

  • Travel insurance, like most other forms of insurance, works on a reimbursement structure. That means that you’ll have to pay your own costs up-front, then get reimbursed from the insurance company once they’ve approved your claim.
  • You must purchase travel insurance before anything actually happens to disrupt your trip. For example, if you will be traveling during hurricane season, you must purchase the policy before any storms are named in order to be eligible for coverage related to that storm.
  • You must read your chosen policy carefully before buying it, to make sure you really understand exactly what your insurance company will cover, and what they won’t.
  • If there is a problem, and you do need to file a claim, you’ll have to provide documentation of your issue – just like you would have to produce police reports and evidence of damage to your car to file an auto claim.

Plan Details for Schools and Faculty to Understand

  • Benefits included in your policy – do they meet your group's needs?
  • Coverage limits, so you know exactly how much protection you have – have you secured a policy that will cover the expenses that you will incur if there is a loss?
  • Are there any exclusions that you see in the policy that will void coverage where you see a need? These are particularly important to understand in the event that you need to file a claim.
  • Does the plan offer assistance in case of an emergency? Many plans do, however there may be limitations to the kind of assistance provided. Check that the assistance providers have foreign language services in the event that the student is injured and there needs to be a discussion between the facility in the host country and any US medical providers.
Written by on 4/17/15.
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