International Travel Insurance for Students

Get up to $1 Million Sum Insured

Student Travel Insurance Policy

Up to $1M

Sum Insured

24/7

Customer Support

Zero

Co-payment

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Sum Insured
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Up to $1M

Sum Insured

24/7

Customer Support

Zero

Co-payment

Deepshikha Sarkar

Written By:

Deepshikha Sarkar

Deepshikha Sarkar

Deepshikha Sarkar

Senior Marketing Associate

I am a content strategist and writer with 4+ years of experience crafting insightful, SEO-driven content across B2B and B2C industries. With expertise in digital marketing, fintech, and ed-tech, I create well-researched and value-driven content that informs, inspires, and drives impact. Through strategic storytelling and data-backed insights, I aim to make complex topics accessible and engaging, ensuring every piece serves a purpose beyond words.

abhash-pathak-black-white-test

Reviewed By:

Abhash Pathak

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Abhash Pathak

Product Head - Abhash Pathak

I'm leading the Travel LOB and Motor (Online Partnerships) at Digit Insurance. I work closely with the underwriting, claims, actuarial, compliance, product, and tech teams to keep our travel products top-notch and running smoothly. I'm all about innovation and constantly tweaking our products and processes to keep up with the times. My goal is to make things more efficient and deliver awesome value to our customers.

International Travel Insurance for Students Travelling Abroad from India

What is Student Travel Insurance?

student holding a laptop

What is Student Travel Insurance?

Travelling overseas to pursue higher studies comes with a high cost of living, expenses, and unforeseen situations. Coursing through your academics while learning the ins and outs of a new environment can get the better of you. To stay on the safer side, owning a student travel insurance plan can benefit you.

International student travel insurance is specifically designed to meet the learner's requirements. It has all the essential benefits of a medical and travel policy, like hospitalization expenses, flight and baggage delays, study interruption, etc. that protect the insured abroad.

A student travel insurance policy is designed for individuals travelling abroad to pursue higher education. Premiums are available much lower, making it affordable with maximum benefit.

Is Travel Insurance Mandatory for Students?

confused girl

Is Travel Insurance Mandatory for Students?

Student Travel Insurance is mandatory if travelling to the USA or any Schengen countries. Most universities or study abroad programs have also made it mandatory for international students to buy overseas travel insurance.

It is wise to purchase student travel insurance because it protects you financially if any disruption or inconvenience occurs to your health, travel, or studies! Purchasing a comprehensive overseas student travel insurance plan is affordable and entails long-term benefits.

Why Do Students Need Travel Insurance?

We’ve done our research, so let us present our findings:

Universities abroad
Universities abroad insist on having a comprehensive insurance plan. (1)
Medical Cost when you travel
Medical expenses cost 3 to 5 times more outside India. (2)
belongings people lose while travelling
Phones, Laptops, Bank Cards, Licenses & Passports are the top belongings people lose while travelling. (3)
travel insurance
USA, England, Germany are among a list of countries that mandate having a travel insurance. (4)
personal liability
Student travel policies offer coverages like personal liability and bail bond, study interruption, trip delays and cancellation, etc. to protect you against troubles abroad. (5)

Disclaimer: The counts displayed for Policies Sold, Claims Settled, and Paid-in Claims represent the total counts for each category for international travel policies since their inception until 31st March 2025. The Claim Settlement Ratio (CSR) is calculated for FY 24-25. CSR is a count of (Claims Paid + Claims Closed) / (Claims O/S at Start + Claims Reported - Claims O/S at End).

Why Choose Digit’s Overseas Student Travel Insurance?

passengers on a escalator at airport

Why Choose Digit’s Overseas Student Travel Insurance?

  • Financial Emergency Cash - If pickpockets target you on a trip, this will cover the loss of travel funds.
  • Bounced Bookings - Bounced booking might occur when your accommodation or common carrier is overbooked, resulting in you losing your spot! This can happen primarily during the holiday season or during a particular event or festival, where there are chances for an upsurge in bookings to a particular.
  • Common Carrier Delay - If your flight or any other common carrier is delayed from the scheduled departure time due to reasons mentioned in your policy, you will be paid.
  • Loss of Passport, Driving License, and Temporary Permit - If you lose your passport, visa, driving license, or temporary permit while abroad, it will prevent you from continuing your trip. We'll cover the costs of issuing an emergency certificate or duplicate passport so that you can enjoy your trip again.
  • Super Easy Claims - If you file a claim with us, you don’t have to worry about tedious procedures! Digit has a simple, digital, hassle-free claiming process.
  • Up to $10 Lakh Sum Insured - A $10 Lakh sum insured option gives you maximum protection for a brighter future!
  • Coverages up to 3 years - Stay secure for three years with Digit’s International Student Travel Insurance Plan.

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What’s Covered in Digit’s Student Travel Insurance Plan?

doctor checking a girl kid with stethoscope

What’s Covered in Digit’s Student Travel Insurance Plan?

Digit’s Overseas Student Travel Insurance Plan is designed to cover the three most essential parts of a student’s life abroad — health, education, and travel. Explore what is covered explicitly for each part:

A Cover for Your Health

  • Emergency Medical Treatment and Evacuation: If you fall ill or are hospitalized due to any unexpected illness, or repatriation of mortal remains in case of death, or require OPD treatment up to 10% of your SI, then we’ve got you covered.
  • Emergency Accidental Treatment and Evacuation: In the event of an accident, you need to cover your hospitalization charges, then our plan covers for you. Additional 10% Sum Insured for accidental treatments. OPD treatment is covered up to 10% of your SI.
  • Daily Cash Allowance: Petty cash with regards to hospitalization expenses are also covered for up to 5 days, with a time excess of 2 days.
  • Emergency Dental Treatment: Dental treatment due to accidents are filled in by us. Don’t worry about burning a hole in your pocket, we’ve got you covered!
  • Personal Accident: In an unfortunate event of permanent disability or even death, you or your nominee are entitled to a flat benefit from us.
  • Waiver of Pre-existing Disease: Depending on your SI option, you can avail 5-10% of your sum insured.

study room with book racks with chair

A Cover for Your Studies

  • Study Interruption: If your studies are interrupted due to any unexpected event and you cannot claim any refund from your organization, then we got you covered.
  • Accident of the Sponsor: If the person sponsoring your education has permanent total disability or unfortunately dies, then our policy can help cover your course expenses.
  • Compassionate Family Visit: If you require a family member to visit you when you are hospitalized, then we will cover the cost of visit of one member. This cover let’s family stick together.
  • Personal Liability & Bail Bond: Sometimes in unfamiliar places you might get mixed up with the law. To help yourself in a situation like this and lawsuits filed by a third party against you, this plan financially covers for you

doctor checking a girl kid with stethoscope

A Cover for Your Travel

  • Loss of Passport: You can avail a duplicate passport while abroad if the original one gets lost, stolen, or damaged. Don’t worry about the expenses, we cover it!
  • Delay of Checked-in Baggages: You are entitled to monetary compensation from us if your checked-in baggage is delayed by more than the duration specified in your policy.
  • Accidental Death and Disability (Common Carrier): Even in the event of accidental injury during your flight travel that leads to your permanent disability or death, you or your nominee can claim a flat benefit from us.
  • Common Carrier Delay: If your flight is delayed for more than 4 hours then you can avail a claim of USD 50. You can get compensated for the time lost.
  • Total Loss of Checked-in Baggage: You can claim for monetary benefit in the event of total loss of your checked-in baggage on pro-rata basis.
  • Loss of Baggage and Personal Belongings: If you lost your baggage or personal belongings due to theft, robbery, etc. while on your trip, then you will be able to claim for any declared loss.

What's not Covered?

what is not covered

What's not Covered?

Now that you know what’s covered, let’s take it one step further and tell you what we can’t cover. Transparency is key after all! Below are listed some general exclusions that we do not cover under the Overseas Student Travel Insurance Policy. They are standard and are the fine print of the policy, which we advise you to read carefully.

  • Claims due to law or security breaches by you, war, invasion, rebellion, terrorism, or participation in military activities are not covered.
  • Accidents from radiation, nuclear waste, or aircraft pressure waves are excluded.
  • Claims related to death, injury, or medical issues caused by self-harm, substance abuse, or depression can’t be covered.
  • Treatment in long-term care facilities, like rehab or convalescent centres, is not covered.
  • No cover for tropical or contagious diseases if vaccination was recommended by the destination country and not taken.
  • Claims made after the trip duration or those within the deductible or time excess stated in your policy are not eligible.
  • Refundable travel or stay costs, or expenses paid for someone not listed in your policy, aren’t covered either.
What our Travel Product Expert has to say about the The Critical Role of Travel Insurance in International Journeys?
Embarking on international travel without adequate insurance exposes travellers to substantial financial risks. Unexpected events such as medical emergencies, trip cancellations, or lost belongings can lead to significant expenses. A comprehensive travel insurance policy acts as a safety net, ensuring peace of mind throughout your journey.

Vivek Chaturvedi

CMO Digit Insurance

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Eligibility Criteria to Buy a Student Travel Insurance Policy

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Eligibility Criteria to Buy a Student Travel Insurance Policy

Students who want travel insurance must meet some conditions to get the benefits. Here are a few points to consider:

  • Age and Enrollment: The insurance is typically for students aged 12- 40 enrolled in a recognized school or university.
  • Proof of Enrollment: Students must show evidence that they are enrolled at a university.
  • Age Proof: Students must prove they are within the eligible age range.
  • Origin of Purchase: The insurance should be bought from the student’s home country.
  • Health Proof: Students must be healthy and disclose any existing health conditions.

Additionally, some insurance companies might have extra requirements, such as the length of the trip, the destination country, and any pre-existing medical conditions. Reading the policy terms and enrollment requirements carefully is essential to ensure you qualify and can use the benefits.

Documents Required to Buy a Student Travel Insurance Policy

To apply for student travel insurance, you’ll usually need below documents. These documents helps you qualify for the insurance and help the provider understand your coverage needs.

Proof of Enrollment

Passport and Visa Copies

Travel Itinerary

Health Declaration

Personal ID

Proof of Dependency

Academic Documents

How to Buy Student Travel Insurance with Digit?

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Fill in Your Travel Details

Select your destination country, travel dates, and duration.

Share Your Student Info

Enter your university name, course duration, date of birth, and passport number.

Choose Your Cover

Pick your preferred sum insured that best suits your needs.

Submit & Relax

Click ‘Submit’. Our team will get in touch with you shortly!

Key Features of Student Travel Insurance

1

Premium

 

A $50,000 StudentTravel insurance plan from India for 30 days - 1 adult starts from ₹505 only (excluding 18% GST).

2

Eligibility

 

16 years to 35 years of age

3

Claim Process

 
Smartphone-enabled process. No paperwork involved.

 

4

Flight Delay Benefit

 

$25 per 4 hours (up to $100) automatically transferred to you on flight delays

5

Claim Settlement

 

24x7 Missed Call Facility Available

6

Countries Covered

 

150+ Countries & Islands Across the World.

7

Covers Available

 

Trip Cancellation, Medical Cover, Flight Delay, Delay of Checked-in Baggage, Loss of Passport, Daily Emergency Cash, etc.

8

Plans

 

Sum Insured of up to $10,00,000

9

Sub-limit Waive Off

 

No sub-limits up to 80 years of age.

How to File a Travel Insurance Claim with Digit?

After you buy our international travel insurance plan, you live tension free as we have a 3-step, completely digital claims process!

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Step 1

Give us a call at 1800-258-5956 (if in India) or drop a missed call at +91-7799022308 & we’ll call back in 10 mins.

Step 2

Upload the required documents & your bank account details, on the link sent.

Step 3

We’ll take care of the rest!

Digit has maintained a 100% claim settlement ratio for travel insurance over two consecutive years - FY 2024-25

We Paid ₹11.51 Lakh Claim on a ₹2,000 Travel Policy for Thailand

We Paid ₹11.51 Lakh Claim on a ₹2,000 Travel Policy for Thailand

What started as an adventurous bike ride in Bali turned into a medical emergency for 27-year-old Guneet Kaur Dang. A serious fall led to a fractured femur, requiring urgent surgery and hospitalisation.

Fortunately, Guneet was covered under our Digit Travel Insurance, which included emergency accidental treatment and evacuation.

We stepped in fast and settled the claim of ₹11.51 lakh, ensuring she received timely care without any financial burden. This stands as our highest-ever travel insurance payout, proving once again that when things go wrong abroad, we step in fast and we step in big.

How to Compare Travel Insurance for Students Online?

How to Compare Travel Insurance for Students Online?

To find an ideal plan for your education abroad, you need to look at the ABCs of your policy:

  • Affordability: Your plan should be affordable and offer good coverage. Remember the premium you need to pay for the benefits you can get.
  • Benefits: Your student insurance plan should meet your needs and be worth the amount insured. It should cover medical and educational benefits like study interruption and sponsor accidents. You should also know what is not covered by your policy.
  • Compatibility: Your overseas student travel policy must meet the university’s requirements and the country’s rules and guidelines. Another important aspect is how well the policy suits you. Check the company’s credibility and claim settlement ratio to ensure a smooth process.

Things for Students to Remember Before Going Abroad

bagpacker traveller holding camera

Things for Students to Remember Before Going Abroad

Studying abroad can be a dream and a nerve-wracking opportunity. Through all the planning and excitement that tags along, there are some things that you might forget. To avoid such a stressful situation, here are some things to keep in mind (how about you create a checklist?) before you leave:

  • Passport and Visa Check: Apply for a passport and visa and don’t forget to carry it along while boarding your flight. If you already have one, ensure that it is not expired and can last for the duration of your trip.
  • Medical records and Documents Check: Carry along a copy of your health and medical records. You will also need to check for any mandated inoculations in the country that you are travelling to.
  • Travel Insurance Check: Buy your travel insurance, flight tickets and take a trip to your bank to follow up on credit cards, extra cash, and your bank account. When it comes to your finances, you need to plan a budget and be aware of your bank’s international charging fees and the current exchange rate of your home country and the country you are moving to.
  • Vernacular Check: Brush up on your language skills. When moving to a new location, you don’t want to feel entirely left out and have a language barrier. You can try learning a few basic phrases to help you around the city and understand the culture and customs of the country.
  • Fashion Check: Pick the right clothes for the right weather. Along with this, check your luggage weight and carry all your essentials! You can have toiletries, chargers, and adapters for your electronic devices, etc. 
  • Calls and Contacts Check: Have an affordable phone plan that covers you internationally as well. You also need to know emergency contacts of the foreign country you would be living in. Not just that, you should also have an emergency contact from your new school/college/university so that there’s someone you can call in case you get lost or in an emergency.
  • Registration Check: On arriving, don’t forget to register yourself with the internal affairs ministry with 24-48 hours and at the local Indian Embassy.
    We know leaving can be hard, but a bright future is waiting. What’s better is that we’re here for you. You can easily contact us:

Student travel insurance is essential for a safe and worry-free trip while studying in abroad. This insurance helps students and their families feel at ease because it covers medical emergencies, lost items, and travel issues. By understanding what you need and choosing the right insurance, you can concentrate on your studies, knowing you’re protected if anything unexpected happens during your exciting academic journey.

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FAQs about Student Travel Insurance