"student Travel Insurance: Navigating Your Journey As An Australian Student Abroad"

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"student Travel Insurance: Navigating Your Journey As An Australian Student Abroad"

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Our experts answer readers' insurance questions and write unbiased product reviews (this is how we rate insurance products). In some cases, we receive a commission from our partners; however, our opinions are our own.

Trip cancellation cover up to 100% of the trip cost and trip interruption cover up to 150% of the trip cost

WorldTrips has been a reputable travel insurance provider for over 20 years. Not surprisingly, it boasts an A+ rating from the Better Business Bureau and positive reviews from thousands of customers.

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Affordable base plan that can be customized with add-ons including car rental, pet care, hunting and fishing, and vacation rentals

WorldTrips offers many unique products to travelers, including a dedicated plan for students studying abroad. This section will help you understand the different plans available from WorldTrips in any of the categories.

Most plans include COVID-19 coverage by default. In many cases, it also allows you to customize your plan to include optional updates for additional protection.

Atlas Travel's flagship product provides travel health insurance for travelers of various nationalities - a valuable product for anyone looking for financial support while exploring the world. The maximum coverage available under the Atlas Travel plan can reach $2 million.

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It's worth noting that Atlas Travel does not apply to citizens and residents of the United States. However, US citizens and residents can purchase travel insurance for countries outside the US under the Atlas International plan. In addition, non-US citizens outside the US are also eligible for coverage within the US under the Atlas America plan. The website automatically selects it for the traveler at checkout.

Atlas Premium is an enhanced version of Atlas Travel that offers more flexibility in terms of deductibles, duration of coverage and coverage maximums. This plan is ideal for a variety of travelers, including parents covering the whole family, travelers planning adventurous activities that carry risk, and those planning a luxury or expensive trip.

Atlas Group offers the benefits of Atlas Travel at a 10% discount for those traveling in groups of five or more. This policy is ideal for traveler profiles such as youth groups, missionaries, study abroad students, larger families, and organizations planning international travel.

Digital nomads and frequent international travelers can benefit from the Atlas MultiTrip package. It provides global health cover for any number of pre-planned or last-minute trips within 364 days, as long as each trip is less than 30 or 45 days. Duration policies vary depending on the coverage you choose.

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Students studying abroad can purchase the StudentSecure international health insurance policy for full-time students and scholarship holders pursuing academic studies outside their home country. StudentSecure offers four levels of coverage to meet the unique needs of each student and meets or exceeds most country or school insurance requirements.

Atlas On-The-Go has you covered if you only need financial security for your travel plans. This travel protection insurance is for US residents traveling worldwide. It also provides medical cover in case of unexpected illness, injury, lost or stolen luggage or trip cancellation.

Atlas Journey offers travel protection for US citizens and residents for domestic and international travel. Choose from three levels of coverage: Premier, Preferred or Economy, with up to 150% of travel expenses covered in the event of trip interruption, as well as up to $1 million in medical evacuation costs.

Customers can customize many WorldTrips policies to enhance the overall benefits of the insurance plan. Here are some available riders and destinations.

Holiday And Single Trip Travel Insurance

Cancellable for any reason, often abbreviated CFAR, is an optional upgrade. It allows you to claim a certain percentage of the non-refundable travel costs if you cancel the trip for any reason.

CFAR is available as an add-on to specific WorldTrips policies and can cover 50% or 75% of the total non-refundable trip lost in the event of cancellation. However, you must purchase CFAR coverage within a specified period of time after the initial payment of travel expenses. You must cancel your trip more than 48 hours before your scheduled departure to be eligible to file a CFAR claim.

WorldTrips offers additional coverage options for adventurous travelers engaged in risky or challenging activities. This accessory increases health and evacuation benefits in the event of an accident.

If you are traveling with a pet, this cover will help cover some of the costs associated with the animal's travel, including medical costs if necessary.

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If you rent a car during your trip, you can purchase this add-on to waive the coverage offered at the car rental counter. Remember, if you have a premium credit card with travel discounts, you may be able to access the free rental car insurance meeting with this upgrade or exceed the cap offered by WorldTrips.

If a school schedule change affects your travel plans, this add-on will reimburse you for any non-refundable travel expenses associated with trip cancellation or interruption.

This add-on helps cover costs if changes to local government restrictions or equipment delays affect your travel plans. Unfortunately, this policy does not cover big game hunting.

This policy add-on protects guests attending a destination wedding. If the couple cancels the wedding or the event is delayed or canceled due to other circumstances, this policy will help cover the costs of the change of plans.

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Travel insurance cover varies widely and the amount paid reflects the level of protection. However, because travel insurance protects your financial investment, it's usually worth spending a few extra dollars for higher coverage maximums, especially for medical insurance and evacuation costs.

Let's say you're planning a 10-day solo trip to Mexico over the winter holidays for a total cost of $6,000, including a cruise and some possible adventure tours. Here's how much WorldTrips Atlas Journey insurance would and does cost. We included three different levels of coverage:

Includes if package purchased within 21 days of initial travel payment date (otherwise 90-day lookback exclusion

Included if package purchased within 21 days of initial travel payment date (otherwise 90-day look-back exclusion period applies to existing terms)

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Choose between 50% or 75% of the total cost of the trip (if CFAR is purchased within 21 days of the initial payment date of the trip)

Many WorldTrips policies can be customized with optional add-ons that increase the overall benefits of the insurance plan. Based on the assumed trip to Mexico, we priced some available riders and plotted the additional cost as a percentage of the estimated $6,000 trip cost.

Unfortunately, WorldTrips' claim process leaves a lot to be desired. WorldTrips customers should keep their travel insurance to hand so they know which claims process to follow.

You will also need to have other information, such as whether a health care provider will bill WorldTrips directly on your behalf, or if you will have to pay out-of-pocket when you use the service.

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If you have a policy with one of the travel health insurance products above, here is the step-by-step guide you will refer to when making a claim. You can submit your request by e-mail or by regular mail to the following contact details:

You can also submit your claim electronically through the customer portal: Customer Zone for most policyholders and Student Zone for students.

If you have an Atlas Journey or Atlas On-The-Go plan, you can refer to the "Submitting a Claim" section of this FAQ for the relevant forms to complete and documentation to support your claim.

The claimant can submit his statement and power of attorney through the customer portal (Customer Zone for most policy holders, Student Zone for students). Customers may also use the WorldTrips Online service page and select "Submit a Claim or Appeal" from the drop-down menu under the "Contact Us" heading.

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