Travel Insurance for Study Abroad Students - Frequently Asked Questions
All undergraduate students who undertake a period of study abroad as part of their UCL degree programme will be covered by UCL's own insurers. The cost of the insurance premium will be met by UCL.
The UCL Study Abroad Team does not provide travel insurance for postgraduate students who undertake a period of study abroad. Postgraduate students should contact their department to discuss insurance arrangements.
You do not need to apply. If you are eligible, the UCL Study Abroad Team will automatically arrange travel insurance cover for you and you will receive a personalised copy of your travel insurance policy document during the summer before you begin your period of study abroad. The policy document contains information about what you are covered for and how to access help in case of an emergency.
UCL will cover you up to two weeks in advance of the start of term or start of work contract and up to two weeks after your study or work placement ends. You will be asked to provide the relevant dates during the summer before you go abroad.
Please note that if you intend to travel to your destination earlier, or stay on/travel elsewehere after, then you must put adequate insurance cover in place during that time.
Yes - up to a value of £10,000. This includes clothes and other items if they are lost or stolen as well as laptops, cameras, mobile phones, mp3 players and other electronic equipment.
No - the cover is for medical emergencies only.
For everyday healthcare, if you are in an EU country you should use the European Health Insurance Card (EHIC).
Outside Europe, you will be covered by the compulsory health insurance policy you take out in the US, Canada and Australia, or you will need to ask locally how you can access healthcare (and on what basis).
The International Office at your host institution should be able to provide you with useful information in this respect.
If you are going to be working rather than studying, your employer may provide health cover for you, or will be able to advise you on how and where to access primary healthcare.
You are covered for winter sports (skiing and snowboarding). Scuba diving is fine provided that you do not dive below 30 metres, but not extreme sports such as mountain climbing, bungee jumping or diving.
However, you should bear in mind that you are covered for UCL business only (i.e. your time as a student or on a work placement) and that holiday travel is included only on an incidental basis.
Yes - the UCL policy covers you up to £5 million if you cause damage to anyone/anything. This is known as civil liability insurance in France (where it is often a requirement).
However, although the personal liability element of the policy would normally cover damage to third party property, insurers have stated that they define rented accommodation as property of the student and not that of a third party, as it is under the students care, custody & control. Students should confirm with their landlord whether there is insurance as part of the rent paid for damage caused to the property.
You will only be covered in the case of emergency treatment. Routine treatment is not covered by the policy.
There is no need to declare pre-existing conditions. You will be covered by the policy regardless.
No - only emergency medical treatment can be covered, not ongoing treatment.
You should seek reimbursement for alternative travel arrangements from the airline you are booked to travel with.
If you incur additional costs for accommodation and incidentals, these can be claimed from the UCL policy.
There is no excess on the policy if the cover is for 6 months or less but a claim has to be for a minimum amount of £25 in respect of medical expenses, baggage & money.
The medical expenses excess, for persons on a journey of longer than 6 months is £100.
If the claim is for a medical emergency you should contact the insurers on their helpline + 44(0) 1273 400 850 at any time of the day or night, 365 days of the year.
For all non emergency claims, you should contact the insurers on their helpline +44(0)207 204 8952 who will manage the claim and also answer any questions you may have regarding the claim.
Claim forms can be obtained from Rosemary Neunie or June Campbell in the UCL Finance Division.
Once the claim form has been completed, it should be returned to Rosemary Neunie, UCL, Finance Division, Gower Street, London WC1E 6BT, United Kingdom.
If I don’t have the original receipts for items which are lost, damaged or stolen can I still make a claim?
Yes - the insurers accept documents from websites or suppliers which state the replacement value of the item.
For lost/stolen pasports and driving licences you should attached (to your claim) evidence of the cost of replacing each document.
It can take up to 4-6 weeks for the insurers to settle a claim if they have all the documentation.
Page last modified on 01 feb 13 14:18