If you are the student or the parent of a student who is taking a trip, it's essential to plan for everything. In some cases, unexpected closure of the travel agency or airline, or unexpected illness, can result in the cancellation of a trip. Deposits and payments already made on the trip could be lost if you don't have student travel insurance.

For trips that either cancelled, or interrupted due to unexpected circumstance, this insurance plan offers coverage for deposits and payments already made on the trip. Travel insurance typically covers emergency illness or injury of the student, death of a family member, or terrorist incidents, allowing the student to protect the financial investment of their trip.

Students with cheap insurance for travel are also protected if the company they made the arrangements with goes out of business and cannot refund the price of the trip. These types of plans often also provide additional coverage for lost or delayed baggage and stolen passports.

It's important to include student travel insurance along with basic travel insurance in your travel plans. Benefits for emergency care, including hospital stays, surgeries, and medically-necessary treatments are provided with this type of coverage. Students can also receive coverage for emergency medical evacuation to the nearest medical facility, provided they are at 120 miles away from their primary residence.

Student travel health insurance does not cover pre-existing conditions, injury from participation in extreme sports, or mental illness. Student insurance also does not provide coverage for routine medical and dental care.

Coverage for trip cancellation typically begins the day after the student has been enrolled in and submitted payment for a student travel insurance plan, while the remainder of the benefits are available on the day of departure. The coverage ends on the earliest of the following dates: if the trip is cancelled, the return date, or 30 consecutive days before departure for the return trip.

Additional coverage can be purchased with the student insurance travel plan for assistance with baggage loss, emergency travel arrangements and legal referrals. For students who are in an unfamiliar area and find themselves in an emergency situation, these extra benefits can be very helpful.

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