When planning a trip, most people try to avoid risks and ensure a smooth journey. That’s why travel insurance is essential—it protects you from unexpected expenses such as medical emergencies, lost baggage, or trip disruptions.
For students studying abroad, having student travel insurance is even more important. But many misconceptions can lead to costly mistakes or even rejected claims. To help you make informed decisions, here are 5 common student travel insurance myths debunked:
Myth 1: Travel Insurance is Useless
Fact: Student travel insurance covers a wide range of risks including flight delays, lost baggage or documents, medical expenses, study interruptions, and personal liability. It ensures peace of mind while you study abroad.
Myth 2: Health Insurance is Enough
Fact: Health insurance usually does not cover international medical costs, or it limits coverage to specific regions. Student travel insurance offers broader protection beyond healthcare.
Myth 3: Claims Cover Negligence Too
Fact: Travel insurance will not cover incidents caused by your negligence. For example, if you leave your luggage unattended and it gets stolen, your claim will be denied.
Myth 4: Adventure Sports Are Always Covered
Fact: Activities like parachuting, jet skiing, or bungee jumping are generally excluded. Always check with your provider if you plan on adventure sports.
Myth 5: Insurance Covers Travel to Restricted Areas
Fact: If you travel to destinations with official travel warnings, your insurance is unlikely to provide coverage. Always check advisories before traveling.
Conclusion
By debunking these myths, students can avoid costly mistakes and choose the right student travel insurance plan. Always read the policy document carefully before you buy.
