If you’re planning to study, intern or work abroad then sorting out your travel insurance should definitely be on your checklist. What are important issues when taking out a travel insurance when you decide to stay abroad for studies, internship or work?
Travel insurance provides coverage for possible important, unfortunate events. You may think of personal assistance in an emergency, coverage for the consequences of accidents, medical expenses above the Dutch fare and coverage for damage, loss or theft of your luggage.
However, the policy conditions of most travel insurers state that coverage is only provided when your stay abroad can be characterized as ‘leisure time’. You are therefore not always insured with a regular travel insurance when you are going abroad for an internship, work or study!
Also, check the maximum allowed travel time: many travel insurers offer coverage for up to 60 continuous travel days. Are you planning on traveling longer? You can take out additional coverage for extra travel time. Travel insurance is also often restricted to a particular travel area: therefore, be sure to choose European or Worldwide coverage.
In order to create a suitable insurance for travel purposes such as an internship, study or work that implies a longer stay, several insurers offer globetrotter insurance. Perfect for the before mentioned travel purposes! Those insurances usually offer even more widespread coverage completely adapted to your longer stay. The coverage of the globetrotter insurance, therefore, is not just limited to ‘leisure time’.
In addition to coverage for personal assistance, medical expenses, accidents or damage, loss or theft of your luggage, liability is included in the coverage. The regular travel insurance does not cover these damages!
Not all types of coverage of globetrotter insurance are mandatory: therefore, choose the coverage that fits your needs. Compare the different globetrotter insurances and research helpful tips from expert sites that can give you first hand insights and advice on how to select the right insurance for your adventure abroad!