Student, Study Abroad & Gap Year Insurance
Affordable, dependable coverage for students learning and exploring the world.
Reliable, Visa-Ready Health Coverage for Students Studying Abroad
Whether it’s a semester abroad, a research placement, a full international degree, or a gap-year experience, your time overseas should be focused on the experience — not navigating insurance complexity.
DiscoverWell provides expert guidance to help students and families select the right global health coverage for their unique journey. From cost-effective plans that meet university and visa requirements to premium international medical insurance, we ensure you’re protected from departure through return.
Who It's For
- University students in semester or year-long programs
- High school exchange students and gap-year travelers
- International scholars, researchers, and interns
- Students completing full degrees abroad
- Parents who want reliable protection for their child overseas
Whether you need basic medical protection for short-term travel or comprehensive global health coverage for long-term study, we can help you understand the options clearly and with peace of mind.
Types of Coverage We Offer
Students have different needs depending on their destination, program, and length of stay.
DiscoverWell supports both ends of the spectrum.
1. Student Travel Medical Plans (Budget-Friendly)
Ideal for semesters abroad, exchange programs, internships, and gap-year travel.
These plans focus on emergency medical needs and evacuation, with straightforward benefits and affordable premiums.
Typically includes:
- Emergency medical care
- Hospitalization & surgery
- Urgent care visits
- Prescription medications
- Emergency evacuation & repatriation
- Limited mental health support (varies by plan)
- Coverage during travel to nearby countries
Why choose it:
- Affordable for students
- Meets many school and program requirements
- Great fit for short-term programs, fieldwork, or backpacking travel
2. Comprehensive International Health Insurance (Premium “Cadillac” Plans)
Designed for long-term study abroad, full degree programs, students living abroad for 1–4 years, or families wanting robust, private medical access.
These plans provide coverage similar to a private global expat plan.
Typically includes:
- Comprehensive inpatient & outpatient care
- Preventive & routine checkups
- Robust mental health support
- Prescription drugs
- Specialist visits & diagnostics
- Optional maternity, dental, and vision
- Access to premium private hospitals worldwide
Why choose it:
- Meets many long-term visa requirements
- Higher medical limits + broader networks
- Ideal for students with ongoing health needs
- Stronger mental health and prescription benefits
- Best option for students spending years abroad
What’s Included (Across Most Plans)
We help you compare benefits so you can confidently choose what fits your needs:
- Emergency & Routine Medical Care — Coverage for illness, injuries, hospital stays, or doctor visits abroad.
- Mental Health Support — Counseling or therapy benefits when included—important for long-term programs.
- Prescription Coverage — Medications for short-term or ongoing treatment.
- Medical Evacuation & Repatriation — Transport to the nearest qualified facility—or home—if medically necessary.
- Travel Flexibility — Most plans include coverage when visiting nearby countries on weekends or breaks.
Why Students & Parents Choose DiscoverWell
Expert Guidance, Without the Overwhelm — Insurance abroad can feel complicated—visa rules, university waivers, program requirements, benefits that vary by country. We break it down clearly so you understand exactly what you’re getting.
Plans for Every Budget — From essential student travel coverage to premium global health plans, we help you compare options honestly—no upsells, no pressure.
Meets School & Visa Requirements — We help confirm whether a plan aligns with your university or host-country rules before you purchase.
Trusted Global Insurers — Including student-focused and globally recognized carriers with reliable claims and support.
Clear, Parent-Friendly Communication — Students buy the plan; parents need the peace of mind. We ensure both feel confident.
How It Works
1. Tell us your program length, lifestyle, and destination — Semester abroad? Gap year? Four-year degree? The right plan depends on how you’ll live.
2. Compare curated student plan options — We show you 2–4 options that fit your coverage needs, budget, and any university or visa rules.
3. Enroll with confidence — Fast online enrollment + instant proof of coverage for school documentation.
FAQs
Often yes—many student travel medical and long-term plans are designed to meet common university standards. We’ll help you confirm before you buy.
Wherever your studies take you, make sure you’re protected.
Choose the right level of coverage—budget-friendly or fully comprehensive—and step into your study abroad experience with confidence.