Insurance for studying abroad

International insurance for studying abroad

To what extent are you insured while studying abroad?

For special sports and activities, luggage, medical expenses?

For liability, legal assistance, or SOS assistance?

Studying abroad with the right insurance

What is insurance for studying abroad?
Why should you take out specialized travel insurance for a study abroad?
What is important when you are going to study abroad?
What insurance do you need when studying abroad?

What is insurance for studying abroad?

Insurance for studying abroad means that you take out insurance that continues to provide coverage during your studies, your education, and your related activities abroad.
Insurance for studying abroad is also referred to as study insurance. This study insurance is specifically for when you go abroad for a long period of time to take courses, study, or conduct research abroad.

Why should you take out specialized travel insurance for a study abroad?

Study insurance is specifically designed for studying abroad, whereas regular travel insurance policies may offer coverage on paper but handle this situation differently in practice.
Study insurance offers coverage for longer stays than regular (vacation) travel insurance.
Study insurance is also suitable for many types of activities, ranging from various sports to hiking at high altitudes.
Study insurance continues to provide coverage if you start working during your trip, whether planned or unplanned. If you have not taken out insurance before departure that allows you to work, there is no guarantee that you will be able to take out insurance abroad that provides coverage.
Study insurance continues to provide coverage if your own country's health insurance no longer provides coverage.
Student insurance also covers your healthcare costs above the rates in your own country; with regular insurance, you have to pay the extra costs yourself.
Student insurance can also continue to provide coverage if (study) visa issuers impose additional requirements on how you insure yourself, for example if you are going to the US and applying for a J-1 visa.
Student insurance continues to provide coverage if you are staying abroad for a longer period of time and want to visit your own country in between.

What is important when you are going to study abroad?

That you have insurance that is valid in the country or countries where you are going to travel and work.
That you are adequately insured for the sports and activities you are going to participate in during your period abroad
That you are insured for emergency assistance and early return if something happens to you or your immediate family.
That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
That you insure your luggage and take sufficient precautions against theft or damage.
That you are well insured against personal liability.
That you are well insured in case of accidents.
That you only insure yourself for legal assistance if there is an immediate reason to do so, unless coverage is already automatically included in the insurance.
That you pay close attention to choosing the right coverage when performing work alongside your studies.

What insurance do you need when studying abroad?

See further down this page

Check: why JoHo Choose: which insurance More about international insurance

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JoHo is the initiator of WorldSupporter.org. Purchase the Insurance through JoHo and your complete referral fee will contribute to the projects of WorldSupporter and the JoHo Smokey Slum projects.
For more on insuring through JoHo see: International insurance through JoHo and WorldSupporter, JoHo Insurances international, or JoHo verzekeringen (Dutch).

Why should you take out insurance with or through JoHo Foundation when you go abroad?

Why should you take out insurance through the JoHo Foundation?

Social: by purchasing insurance through JoHo you support WorldSupporter and the JoHo Smokey projects in The Philippines

Why should you take out insurance with the JoHo Foundation?

Specialized: in emigration, work, internships, study and travel abroad.
Service: JoHo offers multiple travel insurances by multiple companies. Thanks to JoHo's extensive experience, it can offer support in case of problems with insurers, as well as advice and fast and personal handling.
Safe: JoHo is recognized as a trustworthy intermediary for insurances.

What can you expect from JoHo when take out insurance with the JoHo Foundation?

JoHo is one of the few organizations where you can directly purchase a comprehensive range of foreign insurances from a variety of insurers. As with the other products and services, JoHo believes that you should be able to choose between the best, the most cost effective and the most specialized insurance.
JoHo offers various possibilities from combining insurances to assisting in transferring from one insurer to another.
When you purchase an insurance policy with JoHo, you will not pay more than if you had purchased it directly from the insurer. Sometimes (through special collective agreements) you will even pay less.
JoHo offers support with problems that may arise with the insurer. Sometimes disagreement with claims, cancellation notice or insurance premiums can occur. In this situation it helps if you have the assistance of an organization who has an established relationship with the insurer
JoHo also provides information about insurance policies that you do not take out with JoHo, but through JoHo. In this case, JoHo does not act as an intermediary. Only basic information is provided about these insurance policies. Personal advice or assistance with problems between the insured and the insurer is not possible in this case. If this type of insurance is involved, this will be explicitly stated.

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What insurance can you choose

Options for study and intern abroad insurances

IMG’s WorldStudy Package: insurance including comprehensive health insurance for international students
Caremed Insurances: insurance for study and internships abroad
World Nomads Insurance: for short study abroad
JoHo & expatinsurances.org : international health insurances for students that intend to emigrate
JoHo and Belgians student: going abroad
JoHo and Dutch students: going abroad

World Nomads Travel Insurance

Brief description of the World Nomads Travel Insurance
Why take out the World Nomads Travel Insurance via the JoHo Foundation
Coverage and documents of the World Nomads Travel Insurance
Applying for the World Nomads Travel Insurance

Brief description of the World Nomads Travel Insurance

World Nomads Travel Insurance: characteristics
World Nomads Travel Insurance: duration limits of coverage
World Nomads Travel Insurance: location and area limits of coverage
World Nomads Travel Insurance: nationality and age limits of coverage
World Nomads Travel Insurance: parts of the coverage
World Nomads Travel Insurance: price and costs
World Nomads Travel Insurance: support and application

World Nomads Travel Insurance: characteristics

Core:

An international travel insurance with coverage for independent backpacker, backpackers, students and volunteers

Costs:

International travel insurance policies are generally in the higher price range. World Nomads Travel Insurance is also on the higher end of this category, partly due to the many additional coverage options.

Type of insurance:

Temporary travel insurance.
One of the main international travel insurances with a strong international character and lots of travel information extra's.
A serious option for those who cannot take out a suitable insurance from their home country.
For full coverage of internships, sports, volunteering or work abroad, you usually need additional coverage.

Type of company:

The insurance provider: World Nomads is the brand and distributor of the travel insurance you buy on worldnomads.com and associated sites it does not issue the policies itself as an insurance company, but sells and services them.
The insurer: World Nomads uses local insurance companies (insurers) licensed in each country to issue the policies. In Europe the products are manufactured by Collinson Insurance Europe Limited (CIEL). In other markets travel policies products are manufactured by companies like Tokio Marine HCC, the American organization that also is behind the SafetyWing Nomad insurance.

World Nomads Travel Insurance: duration limits of coverage

Duration minimum:

No minimum limit

Duration maximum:

Up to 180 days per policy, with options to extend or buy new policies to reach a total of 12 months (365 days) for your entire journey.
In case of the annual multi-trip insurance: 12 months total coverage (each trip within that year is limited to 45 days)

Renewal:

You can extend when your plan changes, as long as you have not returned home.

Start and termination:

The coverage starts the moment you depart your country of residence or in some cases, like the trip cancellation, it may start immediately.
The coverage ends on the date shown on your Certificate of Insurance, or the moment you return to your country of residence, or when the maximum trip duration allowed by the policy is reached. Once one of these happens, cover automatically stops.

World Nomads Travel Insurance: location and area limits of coverage

Areas and countries:

Worldwide coverage outside the usual country of residence.
The insurance fare and premiums vary depending on the countries you plan to visit. Destinations with higher medical costs usually lead to higher premiums

Home country return:

In case of a medical emergency abroad, the insurance will repatriate you back to your home country for long-term care. Once you return home, your coverage for that injury or illness ends, and you must rely on the local healthcare system of your home country.

Home country visit:

Coverage in your home country is generally suspended during a temporary visit. The insurance remains valid for the remainder of your trip once you leave again, provided it has not reached its original end date.

Location:

Possible to apply, even when you are already abroad.

Risky destinations:

The insurance does not offer war and high risk zone insurance.

World Nomads Travel Insurance: nationality and age limits of coverage

Current situation:

If you are a resident of the European Union, World Nomads is currently unavailable for purchase.

Nationalities:

Cover is available to residents of the many counties listed on the World Nomads website

Maximum age:

Age limit may vary, depending on country of permanent residence. Generally the age limit is 79 years.

Minimum age:

No minimum age

World Nomads Travel Insurance: parts of the coverage

Activities coverage:

Standard coverage: coverage for traveling, sports, studying, volunteering, internship and work abroad with low risks and non-manual work
Optional coverage: coverage for activities and sports with more risks
Special features:
- policy conditions and adventure sport coverage differ depending on country of permanent residence.
- many activities have "special conditions," such as requiring a licensed guide or excluding personal liability.
- you generally cannot upgrade your activity level once your trip has started.

Medical coverage:

Standard coverage: for medical emergency abroad and dental expenses
Special features: coverage may not be the same or available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage. During the process of getting a quote or your application, you will have access to the terms and conditions that apply to you

Personal accident coverage:

Coverage not standard included

Personal liability coverage:

Standard coverage is depending on your country of permanent residence

SOS and repatriation coverage:

Standard coverage: coverage for 24 hour emergency assistance, emergency medical transport and repatriation
Special features: hijacking can be included as an add-on

Travel luggage coverage:

Standard coverage: coverage applies to gear that is lost, stolen, or accidentally damaged, provided you took reasonable care of it
Special features: additional cover for digital nomads, with extended coverage for cameras, laptops, notebooks

Trip cancellation:

Standard coverage with a maximum

Trip Interruption:

Standard coverage with a maximum

World Nomads Travel Insurance: price and costs

Payment:

Online payment can be done by credit card

Price level:

How much does World Nomads travel insurance cost?
- Minimum: costs start at around €4 per day on average.
- Maximum: costs can rise to almost €10 per day, depending on your age, destination, specific activities, and chosen coverage.
No policy refund available should you return home early.

Price quote:

Check de online quote and application tool on the World Nomads website

Referral fee:

World Nomads Travel Insurance will donate a small fee to WorldSupporter if the insurance is taken out through a JoHo Insurance link. All income from the purchase of these insurance will be used for the WorldSupporter and Smokey Slum projects

World Nomads Travel Insurance: support and application

Preparation:

Advice: check and read the description of coverage carefully during the proces of application, or getting a quote, so that you know what is covered and what not in detail
Please note: insurance terms and conditions are subject to change at any time, and information on the website or other websites may contain errors. Therefore, always check the most recent terms and conditions and information on the website of the insurance company you are applying to.

Service level of JoHo:

The World Nomads Travel Insurance is only offered without the mediation of an insurance intermediary. Unfortunately, JoHo Insurance cannot act as your insurance broker with regard to this specific insurance, or in the event of problems with this insurer.
However, JoHo Insurances remains available to advise you on your general insurance situation.

Take out the insurance:

Get a quote or apply for the World Nomads Travel Insurance
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Apply: World Nomads Travel Insurance

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CareMed International Insurance for volunteers, students, interns, work and travel and au pairs

Brief description of the CareMed International Insurance
Why take out the CareMed International Insurance via the JoHo Foundation
Coverage and documents of the CareMed International Insurance
Applying for the CareMed International Insurance

CareMed International Insurance: characteristics

Core

CareMed insurance is an international insurance policy for interns, students, volunteers, and working holidaymakers.

Costs

In terms of cost, the insurance is slightly below average for working holiday insurance policies.

Type of insurance

A temporary travel insurance policy.
A specific international travel insurance policy focused on work and travel activities abroad.
An insurance policy that prioritizes insurance over slick websites.
A good option for those who cannot take out suitable insurance in their own country or are looking for specific coverage.

Type of insurer

Insurance provider: the insurance is offered by CareMed GmbH, based in Bonn, Germany, which specializes in international insurance products for exchange programs and studying abroad.
Insurance companies: Chubb and Arch Insurance Company, from the United States, among others, act as the underlying insurance companies.
Insurance service providers: AXA assistance, among others.

CareMed International Insurance: duration limits of coverage

Duration minimum:

The insurance must be taken out for the entire stay abroad.

Duration maximum:

The maximum duration is 13 or 24 months.
After this period, you can extend the insurance period under the insurance conditions applicable at that time.

Renewal

if you choose to extend your stay abroad it is possible to apply for an extension of the policy by logging in on your personal account
please note that an extension of the insurance cannot be guaranteed.

CareMed International Insurance: location and area limits of coverage

Countries and territories

There is worldwide coverage outside your home country. Coverage does not include your home country.
Insurance needs to be taken out prior to departure from your home country (until 31 days after departure the latest) and for the entire stay abroad

Visa acceptance

Caremed itself says: ‘CareMed travel insurance is accepted worldwide for your visa application. This applies to all working holiday visas (e.g., working holidays in Australia, New Zealand, and Canada), F1, F2, H2B, J-1, J2, and M1 visas for entry into the US, and Schengen visas for Europe.’
JoHo advises: Visa requirements may vary depending on the country, state or institution you are visiting, so it is wise to carefully check and verify this statement for your specific situation.

CareMed International Insurance: nationality and age limits of coverage

Nationalities

Anyone can take out CareMed Travel Insurance online, regardless of nationality.

Minimum age

Anyone older than 3 months can take out travel insurance with CareMed.
For destinations in the US and Canada, the minimum age is 6 years.

Maximum age

The maximum age is 69 years.
For destinations in the US and Canada, the maximum age is 65 years.

CareMed International Insurance: parts of the coverage

Coverage of activities

Adventurous activities are included. Choose the additional option for "Risky sports" if you will attend a sports college or have other activities on your itinerary with extra risks.
Coverage for au pair work, travel, sports, study, volunteer work, internships, and working holidays abroad, with limited risk.
Coverage for work: insurance is specifically intended for people who want to travel and be active in temporary jobs and volunteer work while on the road.
No coverage for permanent stay: please note that this insurance is not intended for people who are going abroad for permanent residence and a career abroad.

Medical expense coverage

Optional coverage for medical emergencies abroad with or without a deductible.
Pre-existing conditions are not included in the coverage.

Personal accident coverage

Optional coverage.

Personal liability coverage

Optional coverage.

SOS and repatriation coverage

Coverage for medical evacuation, transport of a family member in case of emergency, search, rescue and recovery, repatriation of remains, assistance in case of loss of money and valuables.

Coverage for travel luggage

Optional coverage.

Travel cancellation

Optional cancellation coverage.

CareMed International Insurance: price and costs

Payment

The full amount for travel insurance can be paid by credit card or by direct debit from a German account.
Payment is made monthly or in a single installment.

Price level

Premiums and rates vary depending on the age of the insured person(s) and whether the US and Canada are included in your travel plans.
Different premiums and policy conditions apply to the 0-39 age group than to the 40-69 age group.
Refunds for the remaining months are possible under certain conditions if you return home early.

Price quote

Available via the CareMed website.

Referral fee

CareMed donates a small amount to JoHo WorldSupporter if the insurance is taken out through JoHo.
All income from this insurance is used for the WorldSupporter and Smokey Slum projects

CareMed International Insurance: support and application

Preparation:

Advice: check and read the description of coverage carefully during the process of application, or getting a quote, so that you know what is covered and what not in detail
Please note: insurance terms and conditions are subject to change at any time, and information on the website or other websites may contain errors. Therefore, always check the most recent terms and conditions and information on the website of the insurance company you are applying to.

Service level of JoHo:

The CareMed International Insurance is only offered without direct mediation of an insurance intermediary. Unfortunately, JoHo Insurance cannot act as your official insurance broker with regard to this specific insurance, or in the event of problems with this insurer.
However, JoHo Insurances remains available to advise you on your general insurance situation.