How to save money on travel insurance if you're a student.
Whether you are taking a gap year before starting university or making the most of your long summer holidays it is essential that you arrange travel insurance before you leave for your adventures.
Whilst visiting other countries and sampling other cultures is a life changing experience it is important to remember that very few countries outside the UK have a free medical service. This means that if you did need medical treatment even for something as simple as a broken limb, without travel insurance you could end up footing the bill yourself and it would cost you thousands of pounds.
Medical cover is not the only reason that you need to sort out student travel insurance. Whether you lose your wallet or have your bag stolen, having travel insurance in place will ensure that these unfortunate events don't stop you enjoying your travels. Student travel insurance usually offers basic cover for luggage so if you are planning on taking any valuables with you, such as an expensive camera, ensure that the level of cover offered is sufficient.If you do encounter any problems, remember that you must have a police report in the event of any loss or theft in order to claim. The original documents are required to settle a claim so be sure to photocopy them before you send them to the claim adjusters. On this note it is also worth photocopying your student travel insurance policy documents and leaving a copy at home so the information will always be available. This is especially important if you are likely to be staying in hostels or dorms where your luggage may not always be secure.
If you plan to take part in any adventure sports while you are on your travels, it is worth checking whether they will be covered under your policy, if not it may be worth adding these to your insurance. Although this will most likely be for an additional premium, at least you will have the reassurance of being covered for any adventure sports you intend to take part in.
The vast majority of insurers offer a 24 hour emergency helpline so that wherever you are in the world and whether you speak the local language or not, there will be someone available to give you advice should you encounter any problems.
Once you have your student travel insurance in place, there is really nothing left for you to do except to have an incredible time on your travels.
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