Study Abroad Insurance

Study Abroad Insurance

A short standard "travel" policy usually isn't enough for studying abroad — it typically only covers the initial departure and visa application. Consulates, universities, and immigration services apply stricter requirements to student medical insurance.

Key policy requirements:

  • Coverage amount: For EU/Schengen countries, the minimum coverage is €30,000. For the US, Canada, the UK, or Asia, requirements are higher — typically $50,000 to $100,000+.
  • Validity period and date coverage: The policy must cover the entire study period, or a minimum of 365 days (for a one-year national/type D visa). Coverage must start no later than the day you cross the border.
  • Zero deductible (0% / 0 EUR/USD): For visa centers and embassies, it's essential that the policy has no deductible (the amount a student pays out of pocket for each claim).
  • Mandatory core coverage: Emergency outpatient and inpatient care; ambulance services and prescription medication; medical transport/evacuation and repatriation; treatment for acute conditions (in some cases including emergency dental care for acute pain).
  • Territory of coverage: The policy must clearly state the destination country or region (e.g. "all Schengen countries" or a specific country).
  • Insurer accreditation: The insurance company must be recognized by the target country's consulate or immigration service (accredited insurer lists for visas).

Two stages of insurance for studying abroad

  1. 1Visa application and entry: At this stage, an international policy is issued — a specialized "Student" policy or a commercial policy for a type D visa.
  2. 2After arrival in your study destination: In many countries (e.g. Poland via NFZ, Germany via TK/AOK, Czechia via VZP), students additionally take out local health insurance for full access to clinics and hospitals at their place of study.

Insurance options

For 1 year
Coverage limit

How to get your study-abroad policy

1

Pick your dates

In the calendar, select 365 days or your full study period — the policy must cover your entire stay.

2

Set your trip purpose

Choose "Education" as the trip purpose — this determines which risks are covered.

3

Check the coverage limit

Match the coverage amount to your destination country's requirements: €30,000+ for the EU/Schengen area, $50,000–$100,000+ for the US, Canada, the UK, or Asia.

4

Get your policy

The policy is issued instantly with a zero deductible and a clearly stated territory of coverage — ready to submit to your consulate or university.

The information on this page is for general guidance only and is not an authoritative source. Please confirm insurance requirements with the consulate or the official government sites of your destination country.