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Student Travel Insurance

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Student Travel Insurance

Student Travel Insurance

  • No Paperwork
  • No Medical Check-up
  • Cashless Hospitalisation Worldwide
Student Travel Insurance

Plan Details

​What is Student Travel Insurance?

Student travel insurance is a type of travel insurance plan that is made for students who are moving abroad to pursue their higher education. B​y buying this policy, you get covered for various risks like loss of passport, loss of checked-in baggage, study interruptions, medical emergencies and more.

Whether you're looking to pursue your higher education in foreign lands like the US, UK, Australia, Europe or anywhere else in the world, having travel insurance for students makes studying abroad that much safer.​​​​​​

Benefits of Buying Student Travel Insurance​

A whole world of potential awaits you as you’re looking to begin your education at a foreign university. As you’re preparing, you have several things to arrange for like funds, accommodation, flights, etc. But you shouldn’t forget to take a international student travel insurance along for the ride. Here’s a list of benefits of buying overseas student travel insurance:

1. Passport loss cover

Losing a passport as a student studying abroad is a situation you don't want to find yourself in. It's the sole document that states you're an Indian citizen and it contains your visa too. However, if you do lose your passport, an international student travel insurance policy will cover the expenses related to getting a duplicate or fresh passport. Having student travel insurance will ease your financial burden of replacing a lost passport thus reducing your burden during a stressful time.​

2. Baggage loss cover

You're going to a new country for the first time to study and improve your chances of having a successful career. All you have are the few belongings you bring from home. However, the worst happens and the airline loses your baggage. Getting back your belongings would be hard but with international student travel insurance you can get reimbursed for the losses incurred. Additionally, you're also covered for losses incurred if the flight delays your baggage too.​

3. Study interruption cover

Everything is set for you to begin your fresh educational pursuit. Nothing can put a stop to your studies. But not everything is in your control. A sudden illness or injury that lands you in the hospital or the death of an immediate family member could curtail your studies. This could mean months out of college and you lose out on the semester. But with student travel insurance, you get covered for study interruptions where your fees for the semester you missed out on will be reimbursed.

4. Medical expenses cover

An injury or accident is ever only a step away. Though no one wishes it upon you, it could still ambush you as you pursue your studies overseas. If this happens to you, you're in danger of not only a potential fatality but also racking up huge medical bills. But international student travel insurance can rescue you from the travails of hospitalisation with its medical coverage. It'll pay for your transportation to the hospital, inpatient treatment, diagnostic tests, X-rays, plaster casts, bandages, etc. In case of a death, it will cover the cost of bringing back the body to India or providing a local burial.​​​​​​

5. Compassionate visit cover

Have you ever fallen sick so bad that you're lying in a hospital bed for several days straight? The thing that amplifies the pain during that time is not having a loved one by your side. Now imagine something like this happening while you're studying abroad. There's no family member to offer you any kind of support. But if you have student travel insurance, you not only get medical coverage but you can also have one family member brought to you through the Compassionate Visit cover. This takes care of the flight tickets and accommodation for that one family member.​

6. Sponsor loss cover

Because life is unpredictable, unfortunate events can befall even your loved ones. If such an event happens to your family you could lose your means of paying college fees and thus interrupt your studies. However, with travel insurance for students, you can get the tuition fees that are due for the remaining time at your college reimbursed. This will at least provide a little relief from the difficult time your family will be facing at the time.

7. Bail bond cover

Familiarising yourself with the laws of a foreign country could be a lot if you just got there. But you could end up in jail if you break a rule you were unaware of. You could also land in jail if you damage property or hurt someone by accident. It hurts to imagine such a situation, right? But here's where travel insurance for students will help you. If you face bailable offences, then the bail is covered under the student travel policy. This makes it useful to get you out of tough spots with the authorities.

8. Takes care of Personal Liability

Personal liability refers to the money you owe someone for the damages you cause to their property or health/life. This is usually a huge amount of money and can easily drain your savings. Here travel insurance for international students comes in handy since it covers all your liability owed to a third-party.

9. Personal Accident cover

If during your studies abroad you get into an accident that gravely injures you resulting in either a disability or death, a student travel insurance plan will compensate you for the disability or in case of death, compensation will go to the legal heir.

Key Features of Reliance Student Travel Insurance

Reliance Student Travel Insurance has four plans with Sum Insured available from USD 50,000 to USD 500,000 and premium starting at ₹246*. Our plan can be purchased for a period of up to 2 years. Given below is a detailed breakdown of all our travel insurance for international students:​​​​​​​​​

​​​Coverage Basic (in USD) Standard (in USD) Silver (in USD) Gold (in USD) Platinum (in USD)

Medical Expenses including Transportation, Evacuation and Repatriation of mortal remains​






Dental Treatment





Loss of Passport






Total Loss of Checked-in Baggage*​






Personal Accident






Accidental Death - Common Carrier






Personal Liability






Bail Bond






Study Interruption






Sponsor Protection






2-way Compassionate Visit






​​​ ​Note: The covers mentioned above are subject to deductibles. Please read ​policy wording, brochure and prospectus for more information. Also note that only students pursuing academic courses abroad, with a minimum age of 16 years and a maximum age of 35 years will be issued a Student Travel Policy. Click here to view the detailed table of above mentioned coverage.​

Add-on Benefits under Reliance Student Travel Insurance

Apart from the four plans we offer, you also can get the extra benefit of these add-ons available under the Standard, Silver, Gold and Platinum plans:

​​​Coverage Sum Insured (in USD)

Treatment of Mental & Nervous Disorders including Alcohol & Drug Dependency​


Inpatient Hospitalisation expenses related to Pregnancy/Childbirth (After a waiting period of 10 months)


Medical Expenses for Intercollegiate spons injuries

Covered under the Medical Expenses including Transportation and Repatriation Benefit​

Cancer Screening and Mammographic Examinations


Child Care Benefits


Additional Add-on Benefits

​​​Coverage Sum Insured (in USD)

Chiropractic Treatment




Skilled Nurse Facility


Note: Additional add-on benefits are applicable on a case-to-case basis and subject to specific approval.

Advantages of Buying Reliance Student Travel Insurance

The question of needing travel insurance for international students is moot given the various perils it covers. But there is an added advantage in trusting an insurance company like Reliance General Insurance with your international student travel insurance needs. Here is a list of those advantages:​

1. Comprehensive benefits with four plans​​

We offer four different types of student travel insurance plans that cover a range of risks like medical emergencies, loss of passport, loss of check-in baggage, study interruption, bail bond, sponsor protection and more. Also, you can choose from a Sum Insured ranging between USD 50,000 to USD 500,000.

2. Coverage of pre-existing diseases

Our student travel plans also cover any life-threatening conditions that are a result of a pre-existing disease. You'll be covered for emergency treatment till you're medically stable again. All you need to do is disclose all your pre-existing diseases at the time of buying the policy to get it covered.

3. Policy extension available

You'll get a 30-day extension if the policy expires and you're still at the hospital getting treated for an illness or injury sustained while you were studying abroad. If there's a delay caused by the airline, an automatic 7-day extension applies to your policy. No matter what, our overseas student travel insurance plan will see you through.​

4. 24-hour support

Our claim team and Emergency Assistance Service Provider will be available to help you with anything related to your student travel insurance while you're abroad. In case you need any assistance, all you need to do is give us a call.

How to Buy Student Travel Insurance Online?

You can buy an overseas student travel insurance plan easily through our website Here are a few simple steps to get the insurance you need:​​

Step 1: Go to the travel ​insurance page and select travel type as "Student". Then enter your details like name, number, travel destination, policy period, etc.

Step 2: Choose your desired plan and click buy now.

Step 3: Check your plan details like the premium amount and then enter the remaining personal details.

Step 4: Select your preferred mode of payment and proceed to pay.

Once your payment is complete you will immediately get the policy copy of your student travel insurance.​

What does our Student Travel Insurance Policy cover?

We've tried to 'pack in' maximum coverage for a variety of situations while you're travelling abroad for your further studies with our overseas student travel insurance. Have a look!​

  • Accidental bodily injury during the trip

  • Acute anesthetic treatment of teeth due to an injury

  • Emergency expenses made for medical evacuation to India

  • Total loss of your checked-in baggage by a common carrier

  • Cost of obtaining a fresh or duplicate passport in case of a lost passport

  • Reimbursement of tuition fees, in case the sponsor paying your fee passes away due to an injury

  • Emergency medical expenses incurred by you whilst abroad, for any sudden illness, injury or death

  • Reimbursement of current (paid) semester fee, if your education is interrupted due to a medical condition

  • Compensation for death or permanent disability due to an accident, while riding as a passenger in a common carrier

  • Reimbursement of return ticket fare for a family member visiting you, the insured, if you're hospitalised for more than 7 days.​

  • Expenses incurred while transporting the insured's mortal remains back home or towards burial abroad in case of an untimely demise

  • Payment of bail amount to the appropriate authority, if you're arrested or detained by any judicial authorities for a bailable offence, while abroad

Note: Please read the policy wordings for a full list of inclusions.

What does our Student Travel Insurance Policy not cover?

Like you have some questions that are out-of-syllabus, a student insurance policy also has situations that are out-of-scope. Here's a list of things your student travel insurance policy won't cover!

  • War or nuclear threat in the country where you're travelling

  • Loss of checked-in baggage; no partial loss or damage shall become payable​

  • Claims arising out of non-disclosed and non-declared pre-existing medical conditions will not be covered

  • Issues faced due to theft or loss of passport when left unattended, or unreported to local police authorities

  • Expenses incurred if you are:

    1. Traveling against the advice of a physician

    2. Receiving or are on a waiting list for specified medical treatment

    3. Travelling to receive treatment abroad

    4. Have been given a terminal prognosis for a medical condition

  • Expenses incurred due to any of the following conditions:

    1. Suicide self-inflicted injuries or illnesses

    2. Mental disorder

    3. Anxiety, stress or depression

    4. Venereal diseases

    5. Alcohol/drug abuse

    6. HIV/AIDS

  • Life-threatening conditions are covered if they arise out of disclosed pre-existing diseases, which are mentioned in the policy schedule. Customers need to declare all pre-existing diseases while taking the policy​

Note: Please read the policy wordings​ for a full list of exclusions​.

How to claim student travel insurance?

There are two ways to make a student travel insurance claim, cashless and reimbursement. Given below are the steps needed to get your claim:

Step 1: Intimate Reliance General Insurance within 24 hours of the occurrence of a claim

Step 2: For worldwide cashless claims, call the below mentioned landline number or the national toll-free number or International toll-free numbers.

Landline: +91-22-67347843/44 (Charges Applicable)

National toll-free number: 1800-209-55-22

International toll-free numbers:

Norway00+800-99441111Czech Republic00+800-99441111
New Zealand00+800-99441111France00+800-99441111
Singapore00+1800-99441111Greece86002038017 (ITFS)
Australia0011+800-99441111Israel00 or 014+800-99441111
United Kingdom00+800-99441111Germany00+800-99441111
Malaysia00+800-99441111 South Africa00+800-99441111
Hong Kong001 or 006+800-99441111USA18337426673 (ITFS)
Taiwan00+800-99441111Canada011+800-9944 1111
Argentina00+800-99441111Philippines00+800-99441111 ​​

Step 3: For reimbursement claims, submit a filled claim form along with all the documents at the below mentioned address:

Reliance General Insurance,
Claims Department, C/O Europ Assistance India Pvt. Ltd.,
C-301, Business Square, Andheri Kurla Road, Chakala,
Andheri (E), Mumbai - 400093, India​

Want to extend your trip? Take a look at this-

If your holiday is extended for any reason, we recommend that you extend your travel insurance policy. It always better to be safe than sorry! Download and fill the Extension Form with Good Health Declaration Form & visit the nearest branch.

Disclaimer: *T&C apply. Details mentioned here are for Reliance Travel Care Policy: Student Plan. UIN: RELTIOP08002V010708. Premium: The premium mentioned is excluding taxes for a Basic Student Plan for an individual aged 20 years on a trip of 30 days. This is applicable for geographical regions excluding USA and Canada only. Total Loss of Checked Baggage: Maximum amount payable per checked-in baggage in case more than one bag has been checked in, is 50% (100% for only one checked-in baggage) of applicable Sum Insured and per item in baggage max 10%. Note that the Reliance Basic plan is for students going to certain Universities where the demand is that the medical cover shall only be taken locally. The sum insured mentioned against each coverage is the maximum limit up to which the benefit under that section becomes payable. For more details on risk factors, terms conditions, brochure, and ​exclusions, please read the  policy wording carefully before concluding a sale.

Average Rating:

4.9(Based on 307 ratings)

Showing 10 reviews

  • “Safe Travels for My Daughter”

    My daughter is moving to US for higher studies. I really like Reliance General's student travel insurance plan. Now I can send my daughter abroad without worrying.

    Vishwanath Iyer3 December 2018, Bengaluru
  • “Secured my abroad visit”

    Travelling to aborad for future studies, purchased the student travel insurance for my safety.

    Anaya G8 March 2018, Pune
  • “good student travel insurance”

    I bought a student travel insurance for my brother who was going to abroad for his further studies

    Pawan S7 February 2018, Nellore
  • “Student travel insurance is nice”

    I liked the student travel insurance and got one for my son who is going abroad for further education.

    Navya N24 January 2018, Agra
  • “Great Travel Insurance for Students”

    As a student living abroad, I would want to feel safe in case of any emergency. Reliance General's student travel insurance does just that. It keeps me safe while studying abroad.

    Navina B13 November 2017, Erode
  • “Good student travel insurance policy”

    I am a student studying in France and I'm glad to have such a good student travel insurance policy. A have lived here for a year with a lot of assistance from Reliance General and I would recommend this plan to other students going abroad.

    Reena J11 October 2017, Kolkata
  • “Website is quick & user friendly”

    The new website is quick and user friendly. Got a student travel insurance quote in less than a minute. Great job.

    Murali K11 August 2016, Kolkata
  • “Have done well”

    Have done well

    Ura Kumar19 March 2015, Hyderabad
  • “Clean experience”

    I had forgotten to take my policy and when I realised I had to take 1.I chose Reliance General Student Travel Policy. I am very Happy with the product.

    Sudha Maulik17 March 2015, Thane
  • “Fast and furious”

    Hassel Free

    Prabhu12 March 2015, Bangalore
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