Undergraduate travel insurance

There are thousands of travel insurance policies out there, so how do you choose? Some people pick the cheapest one, others stick to an insurance company they know well, and some just ask their family. Whichever method you use, what  matters is that you are confident your insurer will be there to help you if things go wrong while you are overseas.

We are sure you will find our travel insurance policy is one of the best. The policy provides comprehensive cover at an affordable price and it is hassle free to get covered.

Why choose our policy?

  • No health check, no medical questionnaire.
  • Unlimited medical emergency cover.
  • Baggage cover, including laptops.
  • 24 hour advice helpline.
  • Cover if you are forced to cancel your trip or return home early.
  • Personal liability cover if you are sued.

Plus: As we have arranged your travel insurance we are here to give you help and advice if you need to make a claim. No insurance jargon, no hassle.

How much does it cost?

The cost depends on where you are going and for how long. 

How to apply for travel insurance - current restrictions apply

Please note that University travel restrictions remain in place while we work to ensure that we can fully support a return to safe international travel. It’s important to understand that although the FCDO Guidance has changed for many countries, it remains the fact that insurance cover cannot be obtained for financial losses or additional costs arising from cancellations or travel restrictions imposed specifically due to COVID-19. FLexible or cancellable/refundable options should be purchased to provide financial protection should this occur. Worryingly, some policies also exclude cover for medical costs due to COVID-19. Please check the wording of any personal cover carefully. There is a risk of incurring significant financial costs, or becoming stuck in location without appropriate insurance. This means that any additional costs or losses would fall directly to you as the traveller.

We are working to establish the best means to enable safe travel in order to reduce the risks noted above. It's vital that you do not book any travel or accommodation without first speaking to your study abroad coordinator, who can help you to assess any risks associated with your chosen destination. Insurance will not be available for some locations in the current climate, therefore you must consider carefully and discuss with the Global Opportunities team prior to making any financial commitment.

How to make a claim

In an emergency (illness, lost travel documents, political unrest) contact the insurers direct:  +44 (0)1273 552922 and quote policy number 0010628173 University of Exeter. The insurer is AIG.

For non-emergencies, please contact the University Insurance team on +44 (0) 1392 723087. 

We will send you a claim form which you need to complete and return to us with documents supporting your claim. We will help you through the process and liaise with the travel insurer.

In the event of delay, cancellation, curtailment, etc a statement giving the reason for the delay/cancellation from the airport authority, airline or other carrier will be required to support your claim.

In the event of theft or loss please obtain a crime number from the local police force or, if the loss/damage occurred in flight, contact the airport/airline as appropriate and obtain written confirmation of the incident.
 
Excess: Personal Belonging, Business Equipment and Money sections where the value of a single item exceeds £2,500 the policyholder is liable for 75% of any amount in excess of £2,500. There are no other excesses applicable.

The full policy wording is available on request, please contact Insurance, Audit & Risk

Frequently asked questions:

When should I take out travel insurance?

You should take out your cover as soon as you have booked your flights, accommodation etc. If you are then forced to cancel before you travel (for example due to illness), your insurance policy should cover any non-refundable costs.

How long will it take to receive my travel insurance documents?

We will send you the travel insurance documents as soon as we have received confirmation that you would like to go ahead with the travel insurance.

Are my activities restricted whilst travelling on a policy issued by the University?

There are very few restrictions on the policy. However, the policy does contain the following restrictions:-

  • If you are diving, you must be accompanied by a qualified diver.
  • The policy excludes piloting an aeroplane.
  • The cover period cannot be extended once the insurance has started.
  • The insurance has been designed to provide cover for travel abroad in connection with your degree programme. You are also covered for travel and activities undertaken in your leisure time – this is called incidental travel. The number of days undertaking incidental travel must not exceed the number of days you are abroad in connection with your degree programme. For example: You will be abroad for 190 days including 20 days incidental travel. This is acceptable. You will be abroad for 260 days. You wish to spend 125 days on your degree programme and 135 days travelling. This is not acceptable.

For further details please contact us.

I have a medical condition, can I still get cover?

Unlike many insurance policies, we do not ask any questions about your health and you are covered for emergency treatment received for pre-existing medical conditions. 

We cannot cover you if you are travelling against the advice of a medical practitioner or travelling specifically to receive medical treatment abroad.