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Why do I need Travel Insurance?

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Why should you get travel insurance if you’re coming to study in the UK?

Travel insurance helps you if things go wrong during your trip. 

  • Travel Problems: If something beyond your control forces you to cancel or end your trip early, travel insurance can cover the costs.
  • Transport Issues: If you miss your transport or it’s delayed because of reasons beyond your control, insurance can help.
  • Emergencies: If you face medical emergencies or other urgent situations, travel insurance can provide assistance.
  • Personal Incidents: If you’re injured or something happens to you, insurance can offer support.
  • Lost or Damaged Items: Whether it’s baggage, passports, money, or other belongings, insurance can help replace them if they’re lost, stolen, or damaged.
  • Accidental Damage: If you accidentally cause damage or injury, insurance can assist.

Without travel insurance, you’d have to pay for these problems out of your own pocket. You might lose money if you have to cancel your trip and can’t get a refund. This could end up costing you a lot of money.

Here are some important tips:

  • Choose the Right Policy: Look for a policy that covers what you need.
  • Compare Policies: Check what each policy covers and how much it costs.
  • Check Existing Coverage: See if you already have insurance that covers you away from home.

Before buying insurance, consider:

  • Where you’re going and if you need extra medical cover.
  • Your age and if there are special policies for older travellers.
  • How often you travel and if an annual policy might be better.
  • What activities you’ll be doing and if you need extra coverage for dangerous sports.
  • If you’re traveling independently or on a package holiday, which might offer more protection.
travel insurance

Your travel insurance should include:

  • Medical expenses and coverage for getting home if you’re injured or ill abroad.
  • Personal injury and coverage for accidents or damage you cause.
  • Cover for lost or damaged items, lost baggage, and cancelled or missed departures.

The cost of insurance depends on how much coverage you need. It’s important not to under-insure yourself, but you can try to keep costs down.

The European Health Insurance Card (EHIC)

If you’re European nationality,  you can get the EHIC or GHIC card to get healthcare in EU countries. You must apply for this card before you travel. You should still get travel insurance before your trip – even if you have an EHIC or GHIC.

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