Travelling as a Student: A blog by Modhurima Islam, Student Money Assistant

Travelling as a student is, undoubtedly, an exciting adventure, and it doesn’t have to be out of budget. With the right planning and insights, you too can embark on international adventures while being financially responsible. And being responsible, especially on international trips, means taking precautionary steps which are often overlooked such as buying travel insurance.

Why You Need Travel Insurance?

Travel insurance might seem an unnecessary expense, especially if you’re on a budget. However, accidents, illnesses, cancellations, and thefts can be much more expensive than insurance. Here are a few ways you can save a lot of stress and money by getting travel insurance:

●Medical Emergencies Abroad: Healthcare costs can dry up savings in certain countries. Without insurance, a simple hospital visit could leave you with nothing or worse, in debt.

●Lost or Stolen Belongings: Smartphones, laptops, and passports are common targets for pickpockets and thieves, and this threat is increasing in popular tourist destinations. Insurance can help you replace your essentials and get home safely.

●Trip Cancellations and Delays: Travel disruptions like weather or family emergencies can lead to significant losses if your expenses are non-refundable, which insurance can help cover.

●Legal Requirement: For many countries, a Visa appointment will require you to show travel insurance covering the whole of your journey. This is also true for students requiring Visas to travel to Schengen countries (even if you hold a UK BRP).

What Should You Look for in Student Travel Insurance?

As a student, you probably want a balance between affordability and coverage. Here’s what to consider when choosing a policy:

●Medical Expenses: for emergencies abroad, is perhaps the most important component to look out for

●Electronics/Personal belongings: like smartphones, watches, etc.

●Trip Disruptions: such as cancelled flights

Cost

The actual cost of insurance depends on a variety of factors, such as how long your trip is for, the destination country etc. It is important to compare prices and coverage before choosing a policy to suit your needs. Comparison websites such as Money Supermarket, can be a useful tool when searching.

Travelling with insurance means you get to enjoy being in the moment with your travel buddies without worrying about what-ifs. Investing in travel insurance might seem like an extra expense, but it’s one that can offer peace of mind and financial protection when you need it most.

For further money-related support, contact Student Funding Support by email (studentfunding@warwick.ac.uk), phone (024 7615 0096), or come to the Wellbeing Reception in Senate House (10 am-3 pm Monday-Friday).