Student Insurance

Why Choose Zurich for Student insurance?

We understand the risks. As a leader in Student Accident Insurance, we have a deep knowledge of the risk exposures facing students and we understand the highest priority for any educational institution is keeping pupils safe. Our experience in this field informs our coverage options and guidance on best practices for our customers. Our Student Travel Insurance leverages Zurich Travel Assist^TM to respond quickly to disease outbreaks, political unrest, natural disasters and more.

Flexibility to fit your needs. No school or educational institution is alike, and there are many variances in the types of sports and activities that may affect Student Accident Insurance needs. When it comes to Student Travel Insurance, conditions within the destination country and local regulations may impact coverage requirements. We work with you to ensure your policy works for you.

Ready to respond. We work with Zurich-approved third-party administrators with deep experience in student accident claims handling who help facilitate fast, responsive claims service. Whether it’s an accident or an emergency abroad, we’re there when you need us most.

Meeting the Needs of a Diverse Student Body

Today's educational institutions serve a wide range of students with varied needs. Zurich works with you to develop student insurance programs that reflect your student body's composition. For international students, this means creating plans designed to help address defined visa and healthcare requirements for students studying abroad. We can also develop options for part-time students who may not have access to other forms of accident coverage.

Furthermore, as more students choose to live off-campus, their risk profile changes. Our flexible approach allows for the inclusion of program options that can help your institution provide broad protection for your entire student population, regardless of their status or where they reside. By addressing these diverse needs, you can support a structured approach to managing student-related accident exposures. This collaborative planning reinforces consistent risk management practices across your student population.

Related industry and insurance

Resources

Zurich Student Accident Insurance
Zurich Student Travel Insurance
Sales Map

Providing Clearly Defined Coverage Options

A key component of student risk management is access to clearly defined coverage options. Zurich’s Student Accident Insurance plans are designed to provide straightforward and effective coverage. We understand that student health is not limited to physical injuries from sports or activities. That’s why we work with institutions to incorporate options that address a wider spectrum of student wellness, including provisions that may address broader student wellness considerations, subject to policy terms.

By offering a plan with clearly defined terms, you empower your students and their families to make informed decisions about their care. This structured approach to student accident coverage helps reduce the potential for unexpected financial burdens and aligns with structured student risk management objectives.

Insurance solutions for Student insurance

Student Accident Insurance

From preschool through college, we have customizable plans to help protect students and the institutions that serve them. Coverage is provided through schools and school districts, helping address the financial risks of student injuries. Zurich Student Accident Insurance also can help protect educational institutions from potential litigation. Coverage includes:

Interscholastic sports (games, practices, try-outs and more)
Non-sport extracurricular activities (field trips, camps, etc.)
Intramural sports Gym classes
Class-time activities
Before/after school care
Injuries during travel to and from above activities
Combinations of any of the above

Student Travel Insurance

Zurich helps make student international travel less worrisome with protection for students and educational institutions. We tailor a wide array of travel insurance solutions for students and staff, from core coverages to value-added services. Customizable coverage can include:

Accidental death and dismemberment
Out-of-country medical
Trip cancellation, trip interruption and travel delay
Loss and delay of baggage and personal effects
Medical and security evacuation and repatriation
Related coverages, including Student Accident Insurance

Value-added services include:

Mobile app and website with travel alerts and real-time security intelligence
- Identity theft information
- Travel health guidance
- Safe haven maps
Access to our network of medical and security professionals
Zurich Travel Assist’s 24-hour, multilingual, security and travel assistance

FAQs

Student insurance is coverage that institutions can provide to help protect students involved in school-sanctioned activities or travel. Two separate coverages can be important options in being prepared for risks facing students on and off school premises, as well as the risks to schools they attend or those that host school-sponsored trips or events.

Student Accident Insurance helps protect students who may suffer injuries on or off school premises while participating in school-sponsored sports or non-sport extracurricular activities, playing on playground equipment and more. For schools and school districts, Student Accident Insurance can help protect them from potential lawsuits, as their general liability coverage may have limited or no benefit for medical expenses incurred by students.

Student Travel Insurance can provide medical coverage, emergency services, travel inconvenience protections and more for students traveling abroad. The coverage is provided through schools sponsoring international travel opportunities and can help reduce the impacts of accidents and emergencies that occur during such trips. Student Travel Insurance can also be customized to include coverage for staff, chaperones or other participants at the discretion of the school.