Student travel Insurance starting at just ₹582*
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Up to $500,000 Covered
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Personal Liability $150,000
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Study Interruption Cover
Student Travel Insurance for Studying Abroad
Student travel insurance is a special insurance plan made for students going overseas for education. It works like regular travel insurance but is designed to keep students' unique needs in mind. When you're studying in a foreign country, unexpected situations can happen - sudden illness, accidents, lost baggage or even emergency trips back home. This insurance covers all these situations, giving you and your family peace while you focus on your education.
The best part is that student travel insurance offers much more than just medical coverage. It protects your laptop and belongings, covers your tuition fees if you have to interrupt your studies due to medical emergencies, and even helps if something happens to your sponsor back home. With coverage going up to $500,000* for medical expenses and premiums being just 1-1.5% of your course fee, it's an affordable safety net that most universities abroad also require during admission.
You can buy your student plan online on our website. IndusInd student travel insurance (formerly Reliance student travel insurance) plans also offer medical financial protection for up to $500,000*, so you can focus on your studies and not stress over sudden inconveniences.
What is Student Travel Insurance?
Student travel insurance is a protection plan specifically created for students pursuing their education in foreign countries. It covers unexpected events like medical emergencies, accidents, lost belongings and travel delays during your stay abroad.
Unlike regular travel insurance, it includes special benefits like study interruption coverage and sponsor protection. Overseas student insurance is specially designed for educational trips abroad.
Why Students Need Travel Insurance When Studying Abroad?
High Medical Costs
Medical treatment abroad is extremely expensive compared to India. Healthcare costs are a huge concern for international students studying in the US, with 58% reporting that they were worried about their ability to pay for medical expenses. Student travel insurance covers your hospital bills, doctor visits and emergency treatments.
Campus Emergencies and Accidents
Accidents can occur anywhere - on campus, during sports or while commuting. This insurance protects you financially if you need immediate medical attention or have to take a break from your studies due to injuries.
Lost Documents and Belongings
Losing your passport, laptop or checked baggage can disrupt your studies completely. When you need to replace these important things, student travel insurance will pay for them, so you can get back to your normal schedule without having to worry about money or being late.
University Requirements
Most foreign universities and colleges make travel insurance mandatory for admission and visa processing. Having proper overseas student travel insurance isn't just smart - it's often a compulsory requirement you must fulfil before starting your course.
Whether you're heading abroad for a post-graduate degree or a short student exchange stint, IndusInd Student Travel Insurance (formerly Reliance Student Travel Insurance) ensures you stay focused on your goals while we handle the emergencies.
Up to $500,000 Coverage*
High coverage for medical costs
24/7 Customer Support Available
Get support anytime and anywhere in Asia
AI-Powered Mobile App*
Quick processes and 24/7 support
No Medical Check-Ups Needed*
Just apply, pay and download!
Features of Student Travel Insurance Policies
Parameters | Basic Coverage | Maximum Coverage |
|---|---|---|
Medical Expenses | $50,000 | $500,000 |
Personal liability | $100,000 | $150,000 |
Personal accident | $25,000 | $25,000 |
Total Loss of Checked-in Baggage* | $1,000 | $1,000 |
Loss of Passport | $100 | $200 |
Dental treatment | $500 | $500 |
Bail Bond | $500 | $5,000 |
Study Interruption | $10,000 | $10,000 |
Sponsor Protection | $10,000 | $10,000 |
2-way Compassionate Visit | $7,500 | $7,500 |
Disclaimer: To get a complete list of Travel Insurance plans, go through the policy documents linked here
Who Should Buy Student Travel Insurance?
My Employer is taking care of my Health Insurance and so I do not need one
Students Travelling for UG/PG
If you are going abroad for undergraduate or postgraduate courses, International student travel insurance is essential. It covers medical emergencies, protects your belongings and meets university requirements for admission and visa processing throughout your entire degree duration.
My Employer is taking care of my Health Insurance and so I do not need one
PhD Scholars
Research scholars pursuing doctoral programs abroad need long-term protection during their multi-year stay. This insurance covers lab accidents, medical issues, study interruptions and emergency trips home, letting you focus completely on your research work without financial worries.
My Employer is taking care of my Health Insurance and so I do not need one
Exchange Students
Short-term exchange programs still expose you to health risks and travel uncertainties in foreign countries. Even for semester-long stays, having travel insurance for students studying abroad protects you from unexpected medical bills, lost baggage and other emergencies that could disrupt your exchange experience.
My Employer is taking care of my Health Insurance and so I do not need one
Vocational Courses
Students enrolled in vocational training, diploma programs or skill-based courses abroad need protection too. Whether it's culinary school, hospitality training or technical certification programs, insurance for students studying abroad covers medical emergencies and travel mishaps during your practical learning period.
My Employer is taking care of my Health Insurance and so I do not need one
Internships
International internships often don't provide comprehensive health coverage despite being work-related travel. Student travel insurance fills this gap by covering medical emergencies, accidents during commute, lost documents and liability issues while you gain valuable international work experience.
My Employer is taking care of my Health Insurance and so I do not need one
Short-term Certifications
Even brief courses lasting a few weeks or months need insurance coverage abroad. Short-term certification programs, workshops and training courses still expose you to medical risks, travel delays and baggage issues that this affordable insurance effectively protects against.
What’s Covered Under Student Travel Insurance?
What’s Covered?
Medical & Dental Expenses: Covers medical and dental treatment expenses if you fall ill or get injured during your trip, and dental treatment for acute anaesthetic needs.
Mental & Nervous Care: Covers inpatient treatment for mental health conditions.
Study Interruption: Covers tuition loss if your studies are disrupted due to emergencies.
Sponsor Protection: Pays tuition fees if your sponsor passes away during your trip.
Passport & Baggage Loss: Helps cover the cost of replacing a lost or stolen passport during your trip. We also pay for the total loss of checked‑in baggage up to policy limits.
Bail Bond: Covers bail expenses if you're legally detained abroad.
Personal Liability: If you accidentally hurt someone or damage their property, this covers their medical bills and your legal expenses.
Pregnancy Inpatient & Childcare Benefit: Covers emergency inpatient care for pregnancy complications. We also pay for a caregiver if you're hospitalised while travelling with a child.
Cancer Screening, Chiropractic Care, Physiotherapy & Skilled Nursing: We cover preventive cancer screening, chiropractic treatment for pain or injury, prescribed physiotherapy sessions and skilled nursing care, if medically advised, during travel.
Personal Accident: Covers accidental loss of life or permanent disability during your trip.
What’s Not Covered?
Medical Tourism, Undisclosed Pre-Existing Diseases & Maternity: We cover all medical emergencies when you're overseas except for maternity costs, undeclared PEDs and planned medical treatment.
Negligence & Travelling Against Medical Advice: Your trip emergencies are always covered; however, we do not cover trips taken against a doctor's advice, or claims due to personal delays or negligence.
Legal Action: Liability-related costs are fully covered except for ones that are due to any legal violations while you're overseas.
Disclaimer: For the complete list of Inclusions and Exclusions, please refer to the policy wording here.
Your money belongs in your tuition, not travel risks
Call us for the perfect student travel plan!
Add-ons for Student Travel Insurance
Mental Health & Nervous Disorder Treatment
Get coverage up to $1,000* for counselling and treatment if you face stress, anxiety or mental health issues while studying abroad.
Pregnancy & Childbirth Coverage
Covers inpatient hospital expenses up to $500 for pregnancy complications or childbirth emergencies after a 10-month waiting period from policy purchase date.
Inter-Collegiate Sports Injury Cover
Covers medical expenses for injuries you get while playing sports for your college or participating in university-level sports competitions and activities abroad.
Cancer Screening & Mammographic Examinations
Get coverage up to $2,500 for preventive cancer screening tests and mammogram examinations to detect health issues early during your study period.
Child Care Benefits
Get $100 per day if you’re hospitalised due to an injury or illness while studying abroad and need childcare to take care of your child while you recover.
Chiropractic Treatment
Covers up to $1,000 for chiropractic therapy if you need spine alignment or musculoskeletal treatment due to back pain or posture problems.
Physiotherapy Treatment
Get coverage up to $500 for physiotherapy sessions if you need physical rehabilitation after an injury or surgery during your time abroad.
Skilled Nursing Facility
Covers up to $500 for professional nursing care at specialised facilities if you need extended medical supervision after hospitalisation or complex treatment.
Types of Student Travel Insurance Plans
Basic Plan
Our Basic plan is specially designed for students going to universities where medical cover must be taken locally. This plan focuses on non-medical protection, including passport loss up to $100, total baggage loss up to $1,000, personal accident, personal liability, bail bond, study interruption, sponsor protection and compassionate visit benefits. It's perfect when your university already provides mandatory local health insurance.
Standard Plan
The Standard plan offers entry-level medical coverage up to $50,000 along with all basic protection benefits. You get dental treatment coverage, accidental death via common carrier protection and essential travel-related benefits. This affordable plan suits students with moderate university insurance requirements and provides balanced protection during your entire course duration overseas.
Silver Plan
Our Silver plan provides enhanced medical expenses coverage up to $100,000 for more comprehensive protection during your studies abroad. This mid-tier option is suitable for students doing lengthier courses in nations with modest healthcare expenditures since it is affordable and offers strong medical protection.
Gold Plan
The Gold plan offers strong medical coverage up to $250,000, with better passport replacement limits too. It gives you more legal protection and higher bail money if needed. This plan is great for students going to expensive countries like the USA or the UK, where even a simple doctor visit can cost thousands of dollars.
Platinum Plan
This plan provides the highest level of medical coverage up to $500,000, making it our most comprehensive option. With maximum limits for passport loss, personal liability and bail bond coverage, you get complete protection against all possible risks. This plan is ideal for students in high-cost destinations with university-mandated high coverage requirements and wanting absolute peace.
Multi-Year Student Travel Insurance
Unlike regular travel insurance that covers only short trips, our student plans can be purchased for up to 2 years at once, matching your course duration. This eliminates the hassle of buying multiple policies and often works out cheaper than renewing short-term policies repeatedly throughout your undergraduate or postgraduate program abroad.
Course Duration-Based Plans
Our plans are specifically designed around your actual study period, not just calendar months. Whether you're going for a 6-month certificate program, a 1-year postgraduate course or a 2-year undergraduate program, you can choose the exact duration you need. We also offer an automatic 7-day extension for airline delays and a 30-day extension for medical emergencies beyond policy expiry.
Countries that Need an International Student Travel Insurance Policy
USA: Travel insurance is mandatory for all international students.
Canada: You need to have student travel insurance for health coverage.
Germany: Travel insurance is mandatory for visa approval and admissions.
Australia: Travel insurance is compulsory for all international students
France: Students must have travel insurance coverage for medical emergencies.
International Student Travel Insurance for Popular Study Destinations
Student Travel Insurance for the USA
The USA is home to world-class universities like Harvard, MIT and Stanford that attract thousands of Indian students yearly. With medical costs being extremely high in America, we offer student travel insurance with coverage up to $500,000 to protect you from unexpected hospital bills and emergencies.
Student Travel Insurance for Canada
Canada welcomes Indian students with its multicultural environment and top universities like the University of Toronto and McGill. Having proper travel insurance ensures you're protected during your studies in popular courses like healthcare, management and technology without worrying about expensive medical treatment costs.
Student Travel Insurance for Europe/Schengen
Germany and France are popular European destinations with strong technical programs at universities like Heidelberg and TU Munich. Student travel insurance is essential for visa processing and provides comprehensive coverage for medical emergencies and travel incidents throughout your engineering or automotive studies.
Student Travel Insurance for the UK
The UK offers prestigious institutions like Oxford and Cambridge, known for excellence in business, engineering and the humanities. Our travel insurance for students studying overseas helps you access quality healthcare during your studies and covers emergencies, which gives you peace while pursuing your degree in Britain.
Student Travel Insurance for Australia
Australia attracts students with its excellent education system and vibrant campus life at universities like the University of Melbourne. Travel insurance covers your medical needs and emergencies while you enjoy studying environmental science, engineering or business in this beautiful country down under.
Student Travel Insurance for New Zealand & Asia-Pacific
New Zealand and other Asia-Pacific countries offer quality education in scenic locations with growing opportunities. Having International student travel insurance protects you from unexpected medical bills and travel emergencies, which ensures a smooth study experience in these increasingly popular destinations among Indian students.
Student Travel Insurance Requirements by Universities
How to Choose the Best Student Travel Insurance?
Check Medical Coverage Amount
Look for plans that cover medical costs for at least $100,000 to $500,000, based on the country you will be travelling to. In places like the USA, where healthcare costs are very high, having more coverage is important to avoid getting stuck with huge hospital bills during situations. Finding the best health insurance for students studying abroad protects you from high medical bills.
Compare Plan Costs and Premiums
Student insurance usually costs just 1-1.5% of your course fees, which is quite affordable. Look at different insurance companies offering similar coverage and compare their prices. But remember, do not pick the cheapest option without checking what's actually covered in the plan.
Understand Deductibles Clearly
A deductible is the amount you pay first before insurance kicks in for each claim. Plans with lower deductibles cost more but mean less out-of-pocket expense during emergencies. Based on your budget and level of comfort with risk, pick deductibles that you can easily pay.
Match Your Course Duration
You should get student insurance from beginning to end. It is common practice to purchase plans for students for a period of up to two years at a time. As long as you provide evidence, you will be able to extend the duration of the coverage in the future if your course is longer.
Follow Your Destination's Rules
Different countries have specific insurance students studying abroad requirements for student visas and university admission. Check what minimum coverage, benefits and policy terms your destination country and chosen university require, then select a plan meeting all those mandatory guidelines.
Consider Important Add-ons
Basic plans cover medical emergencies well. But add-ons give extra protection for things like mental health support, pregnancy costs, sports injuries or adventure activities. Think about your lifestyle, health needs and course activities to decide which extras you should add.
How to Buy Student Travel Insurance Online?
Scroll Up
Go to the form on top of this page to start the buying process.
Enter Details
Choose travel country > Add required details > Get Quote
Select Plan
Select a travel plan as per the required sum insured (SI) > Click on “Buy Now.”
Make Payment
Enter your personal details > Make payment > Get policy online in minutes.
Student travel insurance starting at just ₹582*!
Your Safety Net Wherever You Study!
When it comes to a trusted student travel insurance policy, IndusInd General Insurance has been a preferred partner for Indian students travelling overseas for their higher education!
Cost of Student Travel Insurance
Factors Affecting Premium
Age of the Student
Younger students typically pay lower premiums because they're considered lower health risk. As age increases, especially beyond 25 years, insurance costs go up slightly since older students may face more health issues requiring medical attention during their stay abroad.
Course Duration Length
Longer courses need more extended coverage, which increases the total premium amount. A four-year undergraduate degree costs more to insure than a six-month certificate program. However, buying longer-duration policies together often works out cheaper than multiple short-term renewals.
Study Destination Country
Countries with expensive healthcare, like the USA, UK and Australia, have higher insurance premiums. Destinations with lower medical costs, like some European or Asian countries, cost less to insure. The premium reflects the typical treatment expenses you might face in that location.
Medical History Background
Students with pre-existing health conditions may need to pay additional premiums for coverage. In most cases, standard rates are associated with a clean medical background. Some insurers ask for medical questionnaires or check-ups before issuing policies to students with known health issues.
Sum Insured Amount
Higher coverage limits naturally cost more in premiums. A plan with $500,000 medical cover costs more than $100,000 coverage. Pick coverage based on where you're going and what your university asks for. Don't go too low just to save money - proper protection is important.
Sample Premium Comparison Table
Here are a couple of premium estimates for popular student destinations. To get a personalised quote for your trip, you can always use the calculator given below.
Sample Premium Comparison
Country | Duration | Coverage | Approximate Cost* |
|---|---|---|---|
USA | 1 Year | $500,000 | ₹23,008 |
UK | 1 Year | $500,000 | ₹13,931 |
Canada | 1 Year | $250,000 | ₹14,720 |
Australia | 1 Year | $500,000 | ₹13,931 |
Disclaimer: These are average costs calculated for 365 days of coverage, assuming the policyholder is 18 years old. Your final estimate may vary based on your age, health, and trip details.
Things to Keep in Mind While Buying Student Travel Insurance
Travel Needs
Take stock of what coverage you'll need when overseas, based on whether you're travelling for a full-time or short-term course. We recommend going for a travel plan with a high sum insured.
Medical & Non-Medical Coverage
Your student travel insurance should cover medical expenses from illnesses or injuries. Our plans ensure that you’re covered for medical and non-medical emergencies up to USD 500,000*.
Personal Liability Coverage
Check how much coverage you get for accidental damage or injury caused to another person. Accidents are always a possibility, so you'll need this coverage regardless of how careful you are.
Claim Convenience
Choose the insurer with a high claim settlement ratio and an online claim process for quick and efficient claim settlements.
How to File a Claim Under Student Travel Insurance?
Filing a claim under your IndusInd student travel insurance policy is easy! For medical claims, all you need to do is submit your policy details at the hospital reception to get cashless medical coverage. And for non-medical claims like flight delays, trip cancellations, lost checked-in luggage, etc., open your IndusInd Insurance app and tap “InstaClaim”.
Medical Claim
For medical claims, let us know via our helpline or email using your policy number.
Check if the hospital accepts cashless claims & submit the claim form.
IndusInd Care (previously Reliance Care) will review the claim and your documents.
Upon approval, we place a Guarantee of Pay (GoP) to the hospital.
If the hospital does not agree to the GoP, you can always file a reimbursement claim.
Non-Medical Claim
Get in touch via our helpline or email for luggage delays, trip cancellations, etc.
Complete the claim form and gather all other necessary documents.
You might need to submit a passport copy, flight tickets, emails from the airline or FIR.
IndusInd Care (previously Reliance Care) will review the claim to decide its approval.
After approval, the compensation or benefit amount will be disbursed to you.
Disclaimer: For the complete list of documents, please refer to your policy documents. For further assistance, you can contact customer support.
Documents Needed for Claims
Here are the details and documents you will need to provide when filing a claim. These will need to be scanned and emailed to us at indusind@europ-assistance.in
General Documents Required
- Original boarding pass and ticket showing your travel dates
- Duly filled and signed claim form
- Copy of your passport indicating travel dates
- Photo ID proof (PAN card, Driving license or Passport)
- Original cancelled CTS 2010 compliant cheque with printed name and account number
For Medical Emergency Claims
- Original hospital bills with cash receipts
- Complete discharge summary from the hospital
- Doctor's consultation papers and prescriptions
- Investigation reports like X-rays, MRI scans and blood tests
- Pharmacy bills with stamps showing medicine prices
For Flight Delays & Missed Connections
- Airline confirmation with a delay reason
- Bills for additional expenses incurred
- Proof of cancellation charges
For Baggage Loss Claims
- Property Irregularity Report from the airline
- Letter from the airline about compensation received
- Proof of ownership for items over $100
- List of lost items with values
For Passport Loss, Emergency Cash, Third Party Liability & Theft Claims
- Police report filed within 24 hours of loss
- Original bills for a new or duplicate passport
- Embassy documentation for passport replacement
- Proof of judicial decision (for third party liability)
For Personal Accident Claims
- Medical bills, vouchers and treatment reports
- Discharge summary with accident cause details
- FIR or police report for legal matters
- Post-mortem report for death claims
- Disability certificate from an authorised medical officer
Disclaimer: For the complete list of claim documents, please refer to your policy documents.
Emergency Support & Global Helplines
Our National Helpline Numbers
How to Contact Us?
● Toll-free: 1800-209-55-22
● Landline: +91-22-67347843/44 (charges apply)
● Email: indusind@europ-assistance.in
Our Claims Department Address
IndusInd General Insurance, Claims Department, C/O Europ Assistance India Pvt. Ltd., C-301, Business Square, Andheri Kurla Road, Chakala, Andheri (E), Mumbai - 400093, India
What We Offer
● 24/7 emergency assistance
● Immediate help with hospital arrangements
● Claim guidance and support
● Quick response team for policy queries
Our International Toll-Free Numbers
North America
● USA: 18337426673
● Canada: 011+800-9944 1111
Europe
● UK, Germany, France, Italy and Spain: 00+800-99441111
● Switzerland, Netherlands, Belgium: 00+800-99441111
Asia-Pacific
● Australia: 0011+800-99441111
● Singapore: 00+1800-99441111
● Malaysia, Thailand and China: 00+800-99441111
● Japan: 001-010+800-99441111
Important Tips for Students Travelling Abroad
Pack Smart Essentials: Carry important documents, medicines, basic clothes, chargers and adapters and keep copies of all documents in cloud storage too.
Health Preparations First: Vaccinate before travelling, bring your prescription drugs with you with a note from your doctor, and always have a list of emergency medical contacts on hand.
Register University Health Desk: Visit your university health centre immediately after arrival, register for student health services and understand their emergency procedures clearly.
Know Local Emergency Numbers: Save local ambulance, police and fire emergency numbers, and also save your country's embassy contact details in your phone.
Stay Connected: Buy a local phone SIM or activate international roaming so you can call home anytime and reach the insurance helpline when needed.
Money Management: Take credit cards, debit cards, some cash and digital payment apps, and tell your bank you are travelling so they don't block your cards.
Travel Safety Awareness: Be careful in new places, don't go out alone at night, keep your passport and money safe and tell someone where you're going.
Student Travel Insurance Compared With Regular Travel Insurance
| Features | Student Travel Insurance | Regular Travel Insurance |
|---|---|---|
Duration | Up to 2 years | 7 days to 6 months |
Study Benefits | Tuition refund, study interruption | Not available |
Medical Coverage | Up to $500,000 long-term | Up to $500,000 short-term |
Age Limit | 16 to 35 years | 3 months to 70 years |
Premium Cost | 1-1.5% of the course fee | Calculated per trip |
Special Coverage | Laptop, equipment, and compassionate visits | Standard baggage, one-way visit |
Add-ons | Mental health, maternity, sports | Not available |
How is IndusInd Student Travel Insurance Better?
| Features | IndusInd General Insurance | Insuer A | Insuer B |
|---|---|---|---|
Medical Expenses | $500,000 | $500,000 | $500,000 |
Personal Liability | $150,000 | $1,000 | $1,000 |
Baggage Loss | $1,000 | $1,000 | $1,000 |
Loss of Passport | $200 | ❌ | $250 |
Study Interruption | $10,000 | ❌ | $7,500 |
Personal Accident | $25,000 | $25,000 | ❌ |
Key Takeaways
A report by the Ministry of External Affairs states that the USA, UK, Canada, Germany, and Australia are popular destinations among Indian students. Healthcare and tuition costs here are high, so it’s best to insure your trip.
With IndusInd Student Travel Insurance (formerly known as Reliance Student Travel Insurance), you can enjoy constant financial support during emergencies, no matter where you study.
Our student travel insurance plan offers a sum insured of up to USD 500,000* and can be customised based on your university's requirements for necessary financial coverage. In addition, you get sponsor protection cover, dental treatment cover, 24/7 emergency support, financial compensation for delayed flights and more.
As evidenced in 2025, a record 1.2 million Indian students pursued higher education overseas. Our student travel insurance policy offers a straightforward and cost-effective approach to getting coverage while you are in a foreign country.
You can easily buy our student travel insurance plan online and have it downloaded onto your phone using the IndusInd Insurance app. That way, you can quickly show proof of insurance while overseas and get coverage as and when you need it. With IndusInd General Insurance (formerly known as Reliance General Insurance), no matter what course or destination, you'll be covered for your education!
Relevant Links for Travel Insurance
Travel Insurance for Top Destinations
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