Student travel insurance

Find the best travel insurance for students, spend the savings on more fun stuff.

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If you've never looked at travel insurance before, the whole thing might be overwhelming. We've put together a guide to help you understand the importance of travel insurance, how to get cheap travel insurance and how to get the best travel insurance for your trip. After all, you've saved up all this money while studying, don't get caught out on some of those expensive holiday hiccups.

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What is travel insurance, and how does it work?

Think of it as an agreement between you and an insurer. You pay money in exchange for financial protection while you're travelling.

The below diagram is a very basic way of explaining how travel insurance works. It doesn't stop you from getting injured but it can help you pay for some very expensive medical care while you're abroad. It doesn't only cover you medically but also can cover your belongings and unexpected cancellations amongst other things.

how travel insurance works

Why is it important for students?

  • Because you've probably just spent a lot of money on your trip. Before you've even left you've probably spent a few thousand dollars on your trip for things like flights, tours and accommodation. A sudden death in the family or a natural disaster could throw your plans out the window and either have you spending more or losing money. Travel insurance protects you from the costs of unexpected events like this.
  • Because you're not immune to sickness or injuries overseas. If you need medical care while you're overseas, you could be up for some pretty hefty expenses. According to our study, the USA, Singapore and the United Kingdom are among some of the most expensive places to spend the night in a hospital bed. Travel insurance will not only cover these costs, it can help you find a trusted medical facility, contact your family back home and even send someone over for support.
  • Because you don't have a lot of time. If you're travelling over mid-semester break, you have a lot of gallivanting to do within 4-6 weeks. A cancelled flight or delayed plans can be at a cost to both time and money. Travel insurance can help you retrieve costs from cancelled events or accommodation, or even help you arrange alternative transportation to get you to your tour or festival on time.

Getting cheap student travel insurance

Our comparison tool lets you filter policies by price so that you can find the cheapest travel insurance for your trip with a few clicks of a button. But what are you getting with these cheap policies?

Most budget travel insurance will only cover you for overseas medical expenses and personal liability, if you're lucky, you might get a limit for your luggage too. Here are three of the cheapest policies found with Finder. This search is based on a 20-year-old going to Europe for 4 weeks.

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How to get the best student travel insurance

Simply fill out your trip details into our comparison tool and your results will be sorted from policies with the highest Finder Rating to the lowest.

As a student, the best travel insurance doesn't have to be the most expensive policy. You want to consider the balance between value and comprehensiveness. Our Finder Rating does exactly that.

Here are Finder's top 3 rated policies for a 4 week trip to Europe for a 20-year-old.


There's an obvious difference in price between a cheaper policy and comprehensive travel insurance. This is because the above policies not only just include unlimited medical cover, they also cover cancellation costs, delayed luggage, and lost/stolen personal effects, pretty much all the most common travel insurance claims and more.

You'll notice that Budget Direct's Comprehensive policy has the highest Finder Rating of 9.4 which means that it's the most comprehensive policy from our partners – it has a lot of cover included. See how it has the highest Finder Rating but is actually not the most expensive?

Let's be real, $3.72 per day is not much to pay for ultimate peace of mind.

Get the best student travel insurance

Student travel insurance comparison

As a student, we don't expect you to have much experience with travel insurance. To help you get a good idea, we've put together a table that compares the benefits you get with a cheaper policy versus a more comprehensive one.

Remember, if you feel like your trip doesn't require so many benefits, then a cheaper policy could be enough for you. Just make sure you make these considerations.

These are benefits we think would be most useful to you as a student.

Brand/policy type Tick Travel Insurance - Basic Budget Direct - Comprehensive
Default excess $200 $200
Overseas emergency medical and hospital expenses
Cancellation fees and lost deposits
Travel documents and traveller's cheques
Luggage and personal effects
Theft of cash
Additional accommodation and travel expenses
Special events
Travel delay
Personal liability

* Table last updated: August 2019

Travel insurance discounts and coupons

Scouring the Internet for discounts and savings is just part of student life. No need to fuss, we've done all that for you. Here are our valid coupons with a few exclusives to Finder.

InsureandGo InsureandGo

10% off travel insurance

Use this coupon code to save 10% on your travel insurance.

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Frequently asked questions

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