Student Travel Insurance for Australian Students
Go Insurance is an Australian travel insurance specialist, and our student travel insurance is built for the way students actually travel — a semester on exchange, a gap year, a research trip or a break between semesters. Build your policy at goinsurance.com.au by choosing your cover level and only the optional sections you need.
Cover is subject to the PDS, including its limits, conditions and exclusions. Eligibility criteria apply, and the sections you select are shown on your Certificate of Insurance.
Who Can Buy Student Travel Insurance
Pay for the Cover You Need — Not the Cover You Don’t
Student travel is rarely a standard package holiday. You might be carrying a laptop worth more than everything else in your bag, or nothing worth insuring at all. You might have a semester of prepaid accommodation on the line, or a one-way ticket and no fixed plan.
Go Insurance policies are built section by section rather than sold as a fixed bundle. Emergency overseas medical, liability and Coronavirus COVID-19 cover are always included, and you choose whether to add cancellation and curtailment, personal property, disruption and legal cover on top — across all cover levels.
What Student Travel Insurance Covers
Every Go Insurance policy includes the compulsory sections below. Optional sections are added during the quote process and appear on your Certificate of Insurance. All benefits are subject to the limits, conditions and exclusions in the PDS.
Who Is Student Travel Insurance For?
Student travel insurance is worth considering if any of these describe your trip.
How Old Do You Need to Be?
Younger students are catered for, and the rules differ depending on whether you’re travelling with a parent or guardian.
Buying Cover Once You’ve Already Left
Plenty of students only think about insurance once they’re already on the road. Go Insurance can cover travellers who are already overseas, with a few extra conditions.
A 48-hour waiting period applies before cover begins, you must already hold a confirmed booked return ticket to Australia, and the cooling-off period may not apply. Full details are in the already overseas travel insurance section of our site and in the PDS.
If you’re not coming straight back — emigrating, or finishing your studies in another country — a one-way policy may be the better fit. Call us on 1300 819 888 or from overseas on +61 7 3481 9888 before you purchase.
Working With the Student Travel Community
Go Insurance works alongside the organisations that support students, schools and educational travel across Australia — from the peak body for school and university group travel to the card that proves your student status anywhere in the world.
Student Educational Travel Organisation
SETO is the not-for-profit peak body for Australia’s student educational travel sector, bringing together specialist tour operators, suppliers, schools, teachers and universities. Its members work alongside education departments and schools to make student travel better organised and safer.
Go Insurance is proud to support SETO and the operators, schools and universities who plan student educational travel — including school and university group travel policies.
International Student Identity Card
ISIC is the internationally recognised proof of student status, accepted in more than 100 countries. ISIC Australia maintains a directory of discounts for cardholders at home and overseas, covering travel, transport, attractions and everyday spending.
Go Insurance is one of those partners, so current ISIC cardholders may be eligible for a discounted policy. The discount is applied through ISIC, not through our website — so start from the ISIC Australia discount directory, sign in with your ISIC account, and follow the Go Insurance link from there to buy your policy.
Buying directly at goinsurance.com.au won’t carry the ISIC discount, so it’s worth starting on the ISIC side if you hold a current card.
How to Buy Student Travel Insurance
Building a student policy takes a few minutes online — here’s what happens at each step.
Enter Your Trip
Start your quote at goinsurance.com.au with your destinations, travel dates and traveller details. List every country you’ll stay in for more than 48 hours.
Choose Your Cover Level
Select Go Basic, Go Plus or Go Elite. The level you choose sets the benefit limits and excess that apply across your policy.
Add Only What You Need
Add or remove optional sections such as cancellation and curtailment, property, disruption or legal. Skip the ones that don’t apply to keep the premium down.
Check Your Certificate
Complete your purchase and check your Certificate of Insurance shows every section and traveller you expect before you depart.
Things to Know Before You Travel
Like all travel insurance, student policies carry limits, conditions and exclusions. Key things to be aware of:
Your Student Pre-Travel Checklist
Student Travel Insurance — Frequently Asked Questions
What Australian students most often ask before buying travel insurance with Go Insurance.
Does student travel insurance cover studying overseas?
Yes. Go Insurance covers eligible Australian residents and non-permanent residents travelling overseas, including students on exchange, a semester abroad or a short course. You must be aged 75 or under, hold a permanent Australian residential address, and be overseas for no more than 18 months from the date you first depart Australia. Full eligibility criteria are set out in the PDS.
How old do you have to be to buy your own student travel insurance?
Travellers aged 16 or 17 who are travelling unaccompanied can be covered in their own right, and a premium applies. Younger unaccompanied travellers may be considered on request — call us on 1300 819 888 to discuss before you book. Dependent children aged 20 or under who are financially dependent are insured free of charge when travelling with you, provided they’re named on the Certificate of Insurance.
Can I buy student travel insurance if I’m already overseas?
Yes, subject to conditions. A 48-hour waiting period applies before cover begins, and you must already hold a confirmed booked return ticket to Australia at the time of purchase. The cooling-off period may not apply. See our already overseas travel insurance page for the full picture, or call +61 7 3481 9888 from overseas.
Is my laptop covered on a student travel insurance policy?
Laptops, tablets, phones and cameras fall under the optional Property section, which covers electronic equipment as defined in the PDS. If you don’t select the Property section, there’s no cover for lost, stolen or damaged belongings. Item limits and sub-limits apply and vary by cover level — check the PDS before you decide.
Can I get cheaper student travel insurance by leaving cover out?
Yes. Go Insurance policies are built section by section rather than sold as a fixed bundle, so you can leave out optional sections you don’t need. Medical, Liability and Coronavirus COVID-19 cover are always included, while Cancellation & Curtailment, Property, Disruption and Legal are optional. Backpacking with nothing valuable? You can skip the Property section.
Do I get a discount with an ISIC card?
Go Insurance partners with ISIC Australia, so current ISIC cardholders may be eligible for a discounted policy. Search the ISIC Australia discount directory for the current offer, or call our team on 1300 819 888 before you purchase so we can apply it correctly.
Is travel insurance the same as Overseas Student Health Cover?
No. Travel insurance covers emergency medical treatment and travel-related losses during a trip — it isn’t ongoing health insurance and it doesn’t satisfy visa health cover requirements for living or studying in another country. International students coming to Australia should look at our inbound (non-resident) travel insurance instead.
How do I make a claim while I’m still overseas?
Start with our 24/7 emergency assistance line on +61 7 3481 9880 or sos@goinsurance.com.au for anything medical or urgent, at any hour. For everything else, lodge your claim through our claims support page or email claims@goinsurance.com.au. Keep receipts, police reports and medical documentation, since these support your claim.