Travel

• Why Student Travel Health Insurance?
• Comparison
• Checklist

So, you ve decided to study abroad. Where are you going? Morocco? Austria? Ghana? Japan? Wherever you ve decided to go and whatever you ve decided to do, making the initial decision to study abroad is exciting. Now you have a lot of other decisions and plans to make, and purchasing student travel insurance should be among them. Many people who decide to study abroad often overlook or forget about obtaining this coverage. But you need protection from high medical expenses, especially because there s a good chance your domestic insurance plan will not cover you abroad.

For some students, purchasing a student travel health plan is not only a good idea, but a requirement. Depending upon the requirements of your visa or the program you plan to attend, you may have to purchase a student travel insurance plan before entering the country or enrolling in classes. Your study abroad experience will likely consist of great classroom learning, but that is not its only purpose. You are also going to be traveling, participating in new activities, and exploring cities and countryside. You can t plan every moment of your study abroad experience, so you don t know what kinds of activities you ll participate in or the risk factors to which you may be exposed. This is why having study abroad insurance is so important.

Finding the right student travel insurance plan for you and your upcoming trip abroad is critical. When selecting coverage, keep your budget in mind, how frequently you get sick, whether or not you ll be traveling with others, and what kinds of activities you need to be covered. Obviously, you can t predict everything you ll do while abroad, but you do know your interests. Let those interests and any plans you have inform your research as you shop around. Luckily, HCC Medical Insurance Services (HCCMIS) provides three different coverage options for those traveling abroad to study:

• StudentSecure Select: When traveling with your family, you should think about student travel health insurance that can keep everyone in your family protected. Coverage with StudentSecure Select includes the participant, spouse, and dependents. If you are looking for maximum coverage, StudentSecure Select is the proper choice. When you choose a StudentSecure Select plan, you will receive great benefits like coverage for sports injuries, maternity care, and emergency medical evacuation.
• StudentSecure Budget: If you are traveling and studying abroad but need to be a little more budget conscious, StudentSecure Budget is the right choice for you. With this plan, you still get great benefits like hospital room and board and emergency medical evacuation. The fact that it is a plan for those on a smaller budget does not mean you need to sacrifice valuable and necessary coverage. StudentSecure Budget provides you with a safety net at an affordable price.
• StudentSecure Smart: For students traveling alone, StudentSecure Smart may be the best option. You still receive great coverage at an affordable price, but you are only paying for coverage that you will need. If traveling alone, then there is no point in paying coverage for a spouse or dependent. The whole point of the StudentSecure Smart plan is to provide you basic coverage without depleting your bank account.