Student Travel Insurance Thailand | Study Abroad Coverage

Compare student travel insurance for studying abroad. Coverage includes medical expenses, lost baggage, flight delays. Long-term plans for international students. Free quotes - CheckDi

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Coverage of Overseas Student Travel Insurance


Overseas Student Travel Insurance is very similar to an Annual Travel Insurance policy and it basically would have the same coverage that an Annual Travel insurance plan would have but with additional coverage that is specific to a student like loss of tuition fees. Another thing about Overseas student travel Insurance is that it has multiple lengths of pan typically counting days adding 30 days at a time. Getting the longer plan from the get-go would save you a lot on premiums compared to getting a shorter-term plan or even a normal travel policy.

The following is the main coverage of an Overseas Student Travel Insurance policy:

Medical expenses abroad

Coverage for medical expenses abroad is available, however, each insurer will cover different amounts of expenses depending on the policy you choose.

Follow-up in Thailand within 12 hours

Coverage for follow-up in Thailand within 12 hours if a medical emergency has occurred and there is a need for assistance from the hospital or doctor.

Medical expenses while in Thailand during an up to 90-day visit (for policy longer than 1 year only)

This benefit is applicable only for policies purchased during the visit period and is not valid outside of this period.

Lost of Tuition Fees (limited to one claim per policy)

If your plans get canceled due to a personal accident or a sudden death of a parent or sibling while traveling outside Thailand, the insurance company may reimburse the lost tuition fees.

Compassionate Visit (limited to one claim per policy)

If the insured person is hospitalized with a life-threatening illness or disease abroad, the company will organize a visit of up to 5 family members to the hospital and stay with them as long as necessary.

Accidental Death and Dismemberment Indemnity

Coverage for accidental death or dismemberment during travel anywhere in the world.

Emergency Medical Evacuation and Repatriation of Remains (Per event)

The insured will receive a medical evacuation to the nearest hospital if needed, and a return flight of the remains to the insured's home country if the loss of life occurred in another country.

Damage or Loss of Baggage and/or Personal Belongings with Common Carrier Maximum Limits per Article / Pair / Set

The maximum limits set by the insurance company vary depending on the type of policy.

Personal Liability (limited to one claim per policy)

Provides coverage for personal liability incurred by the insured as a result of the negligence or wrongful act of the insured resulting in bodily injury to others or damage to another person’s property.

Flight Delay

Coverage for reimbursement for reasonable travel and accommodation expenses that result from a flight delay.

Missed Connecting Flight

Coverage for reimbursement of reasonable travel expenses resulting from a missed connecting flight.

Loss of Life, Dismemberment, Loss of Sight, or Total Permanent Disability of Parents from Accident

Benefits provided include coverage for any permanent disability incurred as a result of an accidental injury (i.e. loss of limb, eyesight, or total and permanent disability).

Note: All coverage for each policy is different and must book looked at in the policy detail this is only a guide and not a guarantee of what a typical Overseas Student Travel Insurance would cover. 

Pricing comparison by insurer

Indicative ranges only. Actual premiums depend on plan/coverage, customer profile, and current campaigns. Confirm via live quote.

TierInsurerPremium range (THB)Notes
BasicMSIG Insurance250–800
BasicAXA260–850
BasicTune Protect220–750
BasicBangkok Insurance280–900
BasicDhipaya Insurance270–880
StandardChubb Samaggi Insurance500–1,500
StandardAIG Thailand550–1,600
StandardSompo Insurance520–1,550
StandardTokio Marine Insurance520–1,550
StandardMSIG Insurance540–1,580
PremiumAXA900–2,500
PremiumMSIG Insurance850–2,400
PremiumChubb Samaggi Insurance950–2,800
PremiumAIG Thailand980–2,900
PremiumSompo Insurance900–2,600

Who is Overseas Student Travel Insurance For?

This specialized insurance is designed for Thai students planning to study abroad for extended periods, typically ranging from 6 months to several years. It is particularly valuable for undergraduate and graduate students who need comprehensive coverage that extends beyond standard travel insurance, including protection for educational investments and family emergency situations.

Frequently Asked Questions

What makes student travel insurance different from regular travel insurance?

Student travel insurance includes specific benefits like tuition fee reimbursement, compassionate visit coverage, and extended policy periods that can last multiple years, unlike standard travel policies.

Can I extend my policy while studying abroad?

Most insurers allow policy extensions, but it is more cost-effective to purchase a longer-term policy initially rather than extending shorter policies.

Does the policy cover medical expenses when I return to Thailand?

Yes, for policies longer than 1 year, you are covered for medical expenses during visits to Thailand up to 90 days.

What documentation do I need for tuition fee claims?

You will typically need proof of enrollment, tuition payment receipts, and documentation of the covered incident that caused your study interruption.

Essential Checklist for Student Insurance

  • Valid passport and student visa documentation
  • University acceptance letter or enrollment certificate
  • Proof of tuition payment and fee schedule
  • Medical history and current health certificate
  • Emergency contact information for family in Thailand
  • Compare coverage limits for medical expenses and tuition protection
  • Review policy duration options and extension possibilities
  • Understand claim procedures for different types of coverage

Steps to buy Overseas Student Travel Insurance

Buying Overseas Student Travel Insurance is simple & easy

To apply for outbound travel insurance, you can buy them directly online and get your purchased policies via Email :
  • Apply through our website or contact a customer service representative.
  • Pay Invoice Premium
  • You’re covered.
  • The original documents (policy) will be sent to your email.

You can send additional documents to us by emailing [email protected]