Studying abroad is a dream for lakhs of Indian students every year. But with this opportunity comes risks—medical expenses, flight delays, lost baggage, or sudden family emergencies. That’s why student travel insurance is now a must-have for those heading overseas in 2025.
This guide compares travel insurance options for Indian students, highlights key benefits, and helps you choose the best plan.
Why Students Need Travel Insurance Abroad
- Medical Costs: In countries like the US, UK, or Canada, hospitalization can cost ₹5–10 lakh for just a few days.
- Visa Requirements: Countries such as Germany, France, and Australia mandate proof of health/travel insurance for student visas.
- Unforeseen Emergencies: Flight cancellations, loss of passport, or theft can derail academic plans.
- Peace of Mind for Parents: Parents in India know their children are financially covered abroad.
Key Features of Student Travel Insurance (2025)
- Medical Coverage Abroad
- Covers hospitalization, doctor visits, and medicines.
- Emergency evacuation and repatriation included.
- Loss & Delay Benefits
- Compensation for lost/stolen passport, baggage delays, or theft.
- Tuition Fee Protection
- Refund of tuition fees if the student cannot continue studies due to medical or family emergencies.
- Personal Liability
- Covers accidental damages caused by the student abroad.
- COVID-19 & Pandemic Coverage
- Most insurers now cover COVID-related hospitalization and quarantine expenses.
Comparison: Top Student Travel Insurance Plans (2025)
| Insurer | Plan Name | Medical Cover | Other Key Features |
|---|---|---|---|
| HDFC ERGO | Student Suraksha | Up to $500,000 | Tuition fee protection, sponsor protection |
| ICICI Lombard | Student Travel Protect | Up to $500,000 | Medical evacuation, accident coverage |
| Religare Care | Student Explore | Up to $250,000 | Coverage for study interruption, mental health |
| Star Health | Student Overseas Plan | Up to $300,000 | Baggage loss, compassionate visit |
Case Example
Riya, a 21-year-old student from Delhi, went to Canada in 2024. She suffered appendicitis requiring emergency surgery costing ₹6.5 lakh. Luckily, her travel insurance covered all expenses, saving her family from financial stress.
Tips for Students & Parents
- Compare multiple insurers before buying.
- Choose higher medical coverage if going to the US/UK/Canada.
- Ensure tuition fee protection is included.
- Keep a digital copy of the policy handy while traveling.
Why This Matters in 2025
With over 8.5 lakh Indian students studying abroad, travel insurance is not just a requirement—it’s a lifeline. IRDAI’s push for transparent policies and global acceptance of Indian insurers ensures students are better protected than ever.
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