Global Insurance Partners
Why International Students Need Dedicated Travel & Health Insurance
Studying abroad opens the door to new experiences, education, and global exposure. But living in a foreign country also comes with risks and unexpected situations — like sudden illness, accidents, or other medical emergencies. That’s why having a reliable international student health insurance plan is essential.
With proper insurance, you will be protected from potentially huge medical expenses and get access to quality healthcare in your host country — giving you peace of mind while you focus on your studies
Coverage Comparison
| Medical & Health Coverage | Additional Benefits (Depending on Plan) |
|---|---|
Emergency medical treatment and doctor visits
| Coverage for pre-existing medical conditions after a waiting period (varies by plan)
|
Hospitalization, surgery, and inpatient care if needed
| Maternity care (in plans that include it), where permitted and after any required waiting period
|
Outpatient services, including prescriptions/medications
| Mental health support and coverage for mental health disorders depending on plan features
|
Coverage for illness (including new illnesses) and injury during your stay abroad
| Protection during sports & activities (some plans offer optional riders for adventure/sports coverage)
|
Emergency medical evacuation and repatriation (if required) — useful in serious emergencies abroad
|
What our customers say about health insurance claim
Get International Student Insurance via Smartchoice.pk
Fill out a quick online form with your basic info (destination country, study duration, student status)
Get instant quotes from multiple global insurers
Compare plans side by side — look at coverage limits, benefits, optional riders, waiting periods, and price
Buy your preferred plan online — the process is fully digital and can be completed in minutes
Receive your policy certificate by email — use it for visa applications, university enrollment, or to seek medical care when needed
Student Travel Insurance FAQs
International students are often required by universities and visa authorities to have valid health insurance. It protects students from high medical costs abroad, covers emergencies, and ensures access to quality healthcare throughout their stay.
Most student insurance plans cover doctor visits, hospitalization, emergency medical treatment, prescription drugs, mental health support, preventive care, and sometimes sports injuries. Some plans also include travel benefits such as trip interruption and lost baggage.
Yes. Many international student insurance plans allow purchase after arrival, as long as you are enrolled in a qualified academic program and meet the age requirements of the plan.
Coverage varies by plan. Some offer limited coverage for acute onset of pre-existing conditions, while others may provide full coverage depending on the destination and insurer. It’s important to review the policy details before buying.
Plans can typically be purchased for the full academic year (12 months) or extended semester by semester. Many insurers also allow renewals for multi-year programs until graduation.