Travel Insurance Direct

Travel Insurance for Students

Taking a gap year or studying overseas? Our travel insurance for students has got you covered.

We have temporarily given our travel insurance plans a break. These include The Works, The Basics, Annual Multi Trip and Domestic plans.

Keep an eye on the TID website for when our products will be available and we’ll do our best to alert all of our travellers.

What is student travel insurance?

Whether you're taking a break from your studies to travel or you're going abroad to study, travel insurance is important if you're a student.

It can protect you from all the stuff that regular travel insurance covers you for along with inbuilt clauses that can be helpful if you're a student. This includes cover for overseas study cancellation costs and additional expenses like flights if your trip is interrupted.

We understand that as a student you won't want travel insurance to cost much. Don't worry, you can still be covered for things like medical expenses without having to fork out loads from your budget.

Why do I need student travel insurance?

Travelling solo for the first time or going on a big trip with friends can seem daunting when you're a student. It can give you (and your parents) peace of mind if anything were to happen.

If you're trying to travel on a shoestring, it can be hard to part with your limited dollars for something like travel insurance, especially if you're only going away for a few weeks. But things out of your control can happen and the cost of repairing, replacing or recovering your stuff or the bills you could face will be more expensive without insurance than with it.

Benefits of student travel insurance

You're best off having a look at what's covered (and what's not) in our policy, but let's run through some of the specific things you can be covered for if you're a student travelling overseas.

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Medical bills

Getting ill away from home is stressful enough without having to worry about all the extra costs a trip to the hospital could bring. Our policies can cover you for overseas medical bills and repatriation if you need to travel back to Australia.

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There is cover available for the cancellation cost of tuition or course fees up to $2,000 if the sole purpose of your trip is to attend that course and that course is cancelled due to circumstances outside of your control.

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You can get up to $12,000 worth of coverage for your luggage and personal items if they are stolen, permanently lost or accidentally damaged due to circumstances outside of your control.

Compare all benefits

This is a brief summary only for full terms, conditions, limitations, and exclusions read our policy wording

Additional cover options available for students

For some, a trip is not a trip unless there are some adrenaline-pinching adventures involved. For others, it's all about capturing every moment on camera. If you know the sorts of activities you'll be doing, or the techy kit you'll be taking, you can upgrade your cover with customisable bolt-ons tailored to the things we know young travellers value. For an additional premium, you can add one or more when you book your travel insurance – easy!

Extra cover for your valuable items

While our policy covers some valuable electronic items like cameras, laptops and phones, you may wish to add extra cover for specific items above our standard limits. This can include a musical instrument, sports gear and tech gadgets.

Sports & activities travel insurance

From paddle boarding to zorbing, travelling is the best time to jump head first into trying new things. We provide cover for over 100 different sports and activities. Check the PDS for the full list of whats covered and whats not.

Snow sports cover add-on

Shooting down the slopes can be thrilling but it can also bring broken bones. Whether you're off to learn how to ski or you're a seasoned powder-shredding pro, you can add ski and snow sports cover for an additional premium to your trip.

This is a brief summary only for full terms, conditions, limitations, and exclusions read our policy wording

What destinations are covered?

While most destinations are covered, we do not cover countries that currently have a 'do not travel' warning or if a country is 'sanctioned'.

Some of the most popular places amongst travellers under 30 are:


With a short(ish) flight from Australia, hospitable locals, and little budget required, Bali is the perfect paradise to unwind and explore. But thieves, dodgy food and scooter crashes could be around any corner.


Europe is the best place to hop from one country to the next, immersing yourself in the language, food and landmarks along the way. While many culturally curious Aussies choose to become international students here, even a short jaunt to Europe is an educational journey for any young traveller.


With no language barrier, good quality education and plenty of new faces, it's no wonder so many Australian students head to the USA to experience the schools there. But with Cali, Washington and the Big Apple, there's a lot of bucket list ticking to do, too.

We don't cover everything though, so it's important you understand the policy exclusions and read the policy wording.

Student travel insurance FAQs

Am I covered for Coronavirus (COVID-19)?

All international plans include cover for overseas medical expenses. Depending on the plan you choose, there may also be cover available for some other Coronavirus related events. Cover is explained in detail here

What if my child is travelling alone and is under 18 years old? Are there any restrictions?

You can purchase a policy from TID for your child even if they are under the age of 18 and travelling solo; just provide their details where we ask about the adult travellers.
They will be entitled to all benefits of the policy, as per the terms and conditions.

Do I have to prove I’m a student?

When you purchase the policy, it doesn't matter. You can take The Works or The Basics plan, whichever you prefer. If you need to claim for a missed course or for rearranging due to additional exams, we will require confirmation of the course or exam change to determine cover.

I’m an international student, studying in Australia. Can I buy a policy?

Unfortunately, no. These policies are only available to citizens and residents of Australia. If you don’t have at least a permanent residency, you can’t buy a policy from us.

What if I’m moving overseas to study because I got a scholarship?

This might not be the best option for you. The cover for cancelled course fees is limited, and if something goes seriously wrong, we will look to repatriate you back to Australia rather than treat you overseas. Especially for an injury that requires surgery and rehab, that may interfere with your studies.

Read the policy wording for full terms, conditions and exclusions and to ensure the product suits your needs.