Study Abroad Insurance: What University Programs Often Miss
Many universities require proof of insurance for study abroad programs, but the required minimum is often just that — a minimum, not necessarily adequate coverage for the destination or the semester's actual length.
Program-mandated minimums vs. what you actually need
Check the specific coverage figures your program requires, then compare them against the destination's typical healthcare costs — see our regional cost guide. A minimum that satisfies your school's paperwork requirement may still leave you underinsured for the actual destination.
Semester-length, not trip-length, coverage
Standard travel policies are often priced for shorter trips. A full semester (4-5 months) usually needs a long-stay or student-specific plan rather than a standard vacation policy — confirm the plan's maximum trip length covers your full program dates including any pre/post-program travel.
Coverage during independent travel
If you plan to travel independently during breaks (common during a semester abroad), confirm your policy covers that, not just program-organized activities.
Get your quote in 2 minutes
Click through to our featured partner's official quote tool. Your 10% discount applies automatically — no need to re-enter the code.
Open the Quote Tool →Opens on auras.insure in a new tab. Use code WRTY10093 if it isn't pre-filled.
This guide is for general information only and isn't insurance advice. Confirm your specific program's insurance requirements with your university's study abroad office.