Planning to study in Europe is an exciting journey filled with new academic and cultural opportunities. Amidst the preparations—applications, visas, and packing—one important aspect often overlooked is travel insurance. While some students consider it optional, travel insurance is increasingly becoming an essential part of international education, particularly in Europe.
In this article, we explore whether international students truly need travel insurance, what it typically covers, and how it can protect you during your stay abroad.
Why Travel Insurance Matters
Travel insurance is more than just protection against lost luggage or cancelled flights. For It ensures crucial support for international students in situations like:
Medical emergencies
Hospitalisation and treatment costs
Repatriation (emergency return to your home country)
Trip cancellations or delays
Loss of documents or valuables
Personal liability
While European countries are known for their robust healthcare systems, access isn’t always free or straightforward for non-EU students.
What Are the Requirements in Europe?
Travel or health insurance might be a requirement for entry and stay, depending on your destination country and visa type.
Here are a few examples:
Germany: Health insurance is a must for visa approval. Public health insurance is often recommended if you're under 30 or enrolled in a degree programme.
France: All students must register with the French public health system, but private insurance is often needed to cover additional costs.
Italy: Non-EU students are advised to buy private health insurance or register with the Italian National Health Service (SSN).
Spain: Having private health insurance with complete coverage in Spain is a mandatory requirement for student visa applicants.
Most Schengen countries also require proof of travel insurance with a minimum coverage of €30,000 for medical expenses and repatriation.
What’s Typically Covered?
A standard student travel insurance policy for Europe often includes:
Tip: Always read the policy terms carefully and confirm whether mental health support, dental care, or sports injuries are covered.
How Much Does It Cost?
Travel insurance for students heading to Europe is generally affordable. The cost depends on the length of stay, your age, and the level of coverage.
Short-term policies (up to 90 days): around £30–£60
Long-term student policies (6–12 months): approx. £150–£300
Some well-known providers for international students include:
Cigna Global
Swisscare
AXA Schengen
StudentSecure (HCCMIS)
Many universities also partner with insurance providers and offer discounted plans.
Is European Health Insurance Card (EHIC) Enough?
If you're from an EU/EEA country, you may have access to public healthcare via the EHIC or GHIC (for UK students post-Brexit). However, EHIC does not cover:
Private healthcare
Repatriation
Ongoing treatment or emergencies not classified as urgent
That’s why even EHIC holders are encouraged to take out additional travel insurance.
Is It Really Necessary? Absolutely.
Travel insurance isn’t just a safety net — it’s a wise investment in your wellbeing and financial security. From unexpected illness to cancelled flights or misplaced passports, having the right cover means you won’t be left dealing with emergencies on your own or facing steep costs.
Before heading to Europe, take time to understand the entry and insurance requirements for your destination country. It’s also a good idea to consult your university’s international office for guidance. Being fully insured allows you to focus on what really matters — enjoying and making the most of your study abroad journey.
