Student Travel Insurance

This international student travel insurance policy is designed to cater for the insurance needs of persons studying in the UK on a trip arranged by Rose of York Language School. The product provides cover including emergency medical assistance and medical costs, protection in the event of cancellation or curtailment, cover for loss, theft of or damage to baggage and personal money.

Key features and benefits:

A 24 hour helpline for medical emergencies
Emergency medical expenses in the event of illness or injury
Protection against cancellation or curtailment charges
Cover for loss or damage to baggage and personal money
A wide range of sports and activities covered
Cover for irrecoverable pre-paid college, university or language school fees
Leisure trips within Europe and any trip outside the UK if part of your course

Key eligibility criteria and exclusions:

Not available to anyone aged 66 or over
No cover under cancellation or curtailment charges, emergency medical expenses or personal accident relating to any reason set out under ‘Important conditions relating to health’ – see group policy wording
No cover where the FCO or World Health Organisation has advised against travel
No cover where travel is not departing from and returning to your home country
Each claim will be subject to a £50 excess wherever an excess applies

The table below displays a summary of the maximum amounts which are payable under each section. Please note the group policy is subject to terms, conditions, limits and exclusions – please refer to the group policy wording and the statement of insurance for full details of the cover available.

Insurance Summary

Section	Benefits	Maximum amount	Excess
1	Cancellation or curtailment charges		£50
	Aggregate	£3000
	Limit	£50,000
	Excursions	£250
2	Emergency medical & other expenses	£2,000,000	£50
2	Emergency dental treatment	£500
3	Private medical emergency cover	no cover	–
4	Personal accident		£0
	i. Death benefit (aged under 16)	£1,000
	Death benefit (aged 16 to 64)	£30,000
	Death benefit (aged 65 and over)	£1,000
	ii. Loss of limbs or sight (aged under 65)	£30,000
	iii. Permanent total disablement (aged under 65)	£30,000
5	Baggage		£50
	Baggage (including valuables)	£1,000
	a) Single article, pair or set limit	£200
	b) Valuables limit in total	£300
6	Personal money, passport & documents		£50
	1. a) Currency notes and coins	£100
	b) Other personal money and documents	£100
	2. Passport or visa	£500
7	Personal liability	£1,000,000	£100
8	Missed departure	£250	£50
9	Overseas legal expenses & assistance	£10,000	£0
9	Aggregate limit	£50,000
10	Course fees	£8,000	£50
10	Professional counselling	£300

Student Travel Insurance