Our International Student Travel Insurance product has been designed for international students studying a degree or other recognised qualification outside of their home country, with study arranged through an accredited college / university / language school.

This product is a single-trip travel insurance product to provide international students with financial protection and help for their travel to study. For example, cover following an accident or illness that requires medical attention or in the event of circumstances arising that might require a trip to be cancelled.

The International Student travel insurance product contains multiple sections of cover including: cancellation or curtailment, emergency medical and other related expenses, course fees protection, baggage, personal accident, and overseas legal expenses. 

Who is unsuitable for an International Student Travel Insurance product?

Our International Student Travel Insurance product is not suitable for students who are studying in their home country or not studying a degree or other recognised qualification.

The product may not be suitable for a customer with a pre-existing medical condition and who wishes to have insurance cover for the condition, as set out in the ‘Important conditions relating to health’ section of the policy booklet. Where you are selling this travel insurance and are unable to facilitate these customers, you should signpost them to alternative providers.

The product is not suitable for customers who already have insurance in place with the same coverage.

The product is not suitable for customers who are planning to participate in sports or activities which are not covered by the policy.

The policy is not available for anyone aged 66 or over at the time of departure.

Restrictions on Cover

A traveller can only purchase this insurance if they are studying a degree, language course or other recognised qualification and their country of study is not their home country.

The cover is only available to those who are registered with a GP in their home country and (where study is for 6 months or more in the UK) also registered with a GP in the UK.

The policy is not available to anyone aged 66 or over at the time of departure.

Where is the traveller covered?

The traveller is covered for travel to the destination for which the appropriate premium has been paid and for which they have been accepted for cover provided they are not travelling against the advice of the Foreign, Commonwealth and Development Office or the World Health Organisation.

Cover is extended to include:

  • Inward and outward direct trips back home at the beginning and end of each academic term
  • Trips outside the UK if part of the study course
  • Leisure trips within Europe for a maximum of 21 days in each policy term

Click here to view International Student Travel Insurance Product Information Document

Other Important Information

Unless provided with specific additional cover, the following exclusions will apply:

  • There is no cover under the policy for claims arising directly or indirectly from or in connection with an airline or other travel provider postponing or cancelling the travellers travel arrangements.

  • There is no cover under the policy if an airline or travel provider ceases to trade without being able to meet their obligations to the traveller regarding their travel arrangements.

  • There is no cover under the policy for any cancellation or curtailment claims arising directly or indirectly from a change in travel advice by the Foreign, Commonwealth and Development Office (FCDO) or equivalent government or national authority, or the World Health Organisation.

  • There is no cover under the policy for any cancellation or curtailment claims arising directly or indirectly from a local or national lockdown preventing the traveller from travelling.

  • There is no cover under the policy for any cancellation claims arising directly or indirectly from having been personally instructed to self-isolate by NHS Test and Trace or the NHS app.

  • There is no cover under the policy for any cancellation or curtailment claims arising directly or indirectly from having contracted, been diagnosed or tested positive with any illness associated with epidemic or pandemic.

The following cover will apply to the policy:

  • There is cover under the policy for emergency medical and other expenses related to a medical epidemic or pandemic. 

If you would like to purchase our Student Insurance, please send a request to info.london@topuplearning.com and our friendly student support and services team will help you out.

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