Student Insurance
Student Accident Insurance / Student Travel Insurance
What is student insurance?
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.
Why 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 AssistTM 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.
Solutions
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
