Travel Insurance for Student while Studying Abroad

[LIZS]

Dc is currently studying on a year abroad (Canada). UK uni provided insurance to cover travel and to and fro and likes of healthcare whilst living there. However if they want to travel around, specifically to US, they need additional travel insurance. UK policies assume they have not yet left UK and even expensive policies for gap years don't seem to cover issues such as delays, missed connecting flights and lost luggage. Has anyone's dc studied overseas outside EU and found a provider who would please?

Hi OP, has he tried Endsleigh, or alternatively, if you have a decent family income, you could try HSBC Premier or another packaged account.

Endsleigh no longer offer it. Will look into other suggestion.

I‘m going to come at this from a slightly different perspective: I think a comprehensive package ia pointless, you need to concentrate on excellent health insurance only. I can’t give you a specific tip because I live in an EU country, but my DD has lived and studied in a number of countries (including work and travel in the US and Canada) and never once has she had anything but well-researched health insurance. You need to check maximum coverage, repatriation by air, covering all hospitals and providers, not excluding dangerous sports, compensation for permanent injury and so on.
And the reasoning: insurance is there to cover huge amounts you otherwise couldn‘t pay, like 100,000 dollars in hospital fees. There’s not much point paying a high premium for lost luggage or a missed flight, when the amount you‘d lose is generally a few hundred - it’s annoying but won‘t bankrupt you. If the airline loses your baggage (which has never happened to me in several hundred flights) you‘ll get a small amount of compensation anyway, and in any case you should never transport valuables checked in. Same applies for missed flights - if it was because if a mistake you made the insurers might try not to pay out anyway because you were grossly negligent. So yeah, invest the money instead in the best health insurance you can find. Just a different perspective to think about.