International student travel insurance for education providers

We currently protect hundreds of thousands of overseas students each year through over 100 different education providers across the UK. So we understand that students have unique needs, particularly when there’s international travel involved.

Whether it’s protecting irrecoverable pre-paid costs if a student has to cancel or cut a trip short, or if a student falls ill during their trip to the UK, we can offer flexible cover options tailored to your requirements - with the opportunity to earn additional revenue on individual products as a regulated partner. Not only that, but with the recent COVID-19 challenges we are continuously adapting our policies to make sure we’re providing students with the cover they need through the uncertain times.

We’ll work with you to make sure you have the right cover in place for your students and their activities, including:

Cancellation or curtailment

Cover for irrecoverable unused costs that the student has to pay if the trip is cancelled or cut short as a result of an unforeseen event (such as an illness or injury).

Course fee cover 

Financial protection for irrecoverable prepaid course or tuition fees if the student is unable to continue their studies due to an unforeseen event.

Medical emergency and other expenses

Should a student get injured or fall ill on a trip, we’ll cover the costs for any medical treatment, hospital and ambulance fees, as well as cover for emergency dental treatment. You can also extend cover to include private medical costs.

Medical repatriation costs 

Cost for transport and accommodation expenses for close relatives to travel to the student in the UK, including reasonable additional costs for funeral expenses or returning their body to their home country following a death.

Baggage and personal possessions 

Cover for students’ personal belongings if they’re accidentally lost, damaged or stolen while they’re studying in the UK.

Personal money, passport and documents

Accidental loss, theft of or damage to personal money and important travelling documentation such as a passport or visa. This includes reasonable additional travel and accommodation expenses incurred whilst abroad to obtain a replacement.

Missed departure

The cost of additional transport and accommodation costs if the student has missed their public transport from or to their home country as a result of an insured event.

Professional counselling

We understand that student safeguarding and wellbeing is paramount. That’s why we include cover for professional counselling costs if a student suffers any stress, anxiety, depression, or any other mental or nervous disorder.

Financial protection

If a student is unable to pay their fees due to an unforeseen event, we’ll protect your organisation's income by reimbursing the cost of any course fees that the student is contractually liable for.

Personal liability

Peace of mind that your students are covered if they are legally liable to pay compensation following accidental injury to a third party or damage to their property. This can also help to protect your organisation’s reputation during a legal dispute. This will not only give you peace of mind that your student’s liabilities are covered, but also your accommodation, homestay and school partnerships.

Personal accident

Financial security for students and their families should the student be involved in an accident resulting in a permanent bodily injury or death while studying in the UK.

Extended cover

Cover can also be extended to protect your students for up to 21 days for leisure trips across Europe, as well as extending cover for trips anywhere in the world if it’s part of the student’s course.

Sports and activities cover

Automatic cover for over a hundred different sports and activities arranged by your organisation, saving you and your students time, hassle and costs having to arrange specialist cover for any high-risk activities.

It’s not just your students you need to take care of – there are also wider commercial risks attached to running a language school or international education establishment that need to be protected against.

For your commercial insurance needs, you’ll receive expert support and advice from a dedicated account manager who will work with you to build a policy that protects against the specific risks associated with your business. This can include public liability, employers’ liability, business interruption, professional indemnity, directors’ and officers’, cyber liability, legal expenses and more.

Find out more about commercial insurance for education providers.

When it comes to your insurance, we’re a team – so we provide additional information and support throughout the process to ensure a smooth journey for you and your students, including:

• Providing all the relevant information you’ll need to include on your websites
• Translated policy documentation
• Support including insurance in your online booking portals
• Ongoing compliance training and support for regulated partners

By including insurance as a part of your services, this provides both you and your students peace of mind that they will be appropriately covered. Including insurance can also be used as a fantastic marketing tool and a unique selling point to encourage students to book onto your courses – there is nothing more important than letting your students know that their safety is your priority.

We’re partnered with CEGA for our travel medical insurance, the UK’s market leading medical assistance provider specialising in international medical assistance. They were accredited finalists of the ‘Claims Excellence Awards’ for Customer Care Solution and winner of the ‘UK Customer Service Excellence Award' for Outstanding Customer Journey in 2019.

In the event of a claim, your students will be supported by CEGA’s dedicated team who will handle their case compassionately, quickly and effectively.

Wherever in the world your students may travel from, CEGA Assistance will offer the highest quality of travel assistance support including:

• International emergency medical assistance
• Medical support, including an in-house medical team for remote location
• Air ambulance services, repatriation and emergency evacuation
• Multilingual doctor and nurse escorts
• Crisis management
• Translated policy documentation in primary languages

Becoming a partner is a great way to ensure a high quality of care to your students.

Both of our partner models are also arranged on a ‘Pay As You Go’ basis, meaning there is no upfront cost to set up a partnership agreement with us, and we’ll only collect premiums based on the number of ‘insured student weeks’ declared to us on a monthly basis.

You will have two options as to how you manage your insurance:

1. Include cover within your fees.

You have the option of arranging your cover on an ‘inclusive’ basis – whereby all students are provided cover under one policy and the cost is included as part of the school fees.

Not only does this ensure peace of mind for you and fee payers, but it also allows you to have control knowing that all students are automatically covered, which is especially important for travel and personal accident.

There is an overwhelming concern that many students are either left to take out policies themselves, which may not offer the level of cover they may need or students in many cases are travelling without any insurance protection at all. Through our inclusive model, you will be sure that all your students will have the full protection they require and will be provided with the same levels of service through Endsleigh.

2. Opt-in insurance

You give students the option to take out cover as an additional benefit, and we’ll work with you to include the insurance offering as a part of the enrolment process and within your booking platforms. If the students choose to include the policy, you collect the premiums and we will invoice accordingly on a monthly basis.

With our ‘opt-in’ model, you will also have the option of becoming a ‘regulated’ partner and an Appointed Representative of Endsleigh through the FCA. This means you will have the ability to generate an agreed commission on every policy sold, which can be a highly valuable additional revenue stream for your business.

If you choose to become a ‘regulated’ partner, we will support you and your sales teams with all the relevant insurance training, materials and documents required to make offering insurance extremely simple and easy to manage with very limited administration.

It’s important to be aware of the conditions of our travel insurance cover in relation to the ongoing COVID-19 pandemic.

You can find a full list of our coronavirus travel FAQs for Zurich underwritten policies here.