Student travel insurance

If you are a student enrolled in an undergraduate or postgraduate course, including research higher degree, at Flinders University travelling within Australia or overseas for your studies (eg exchange, short program, internship, placement, etc), then you are able to register to access cover for your university travel, subject to University and policy terms, limitations and exclusions, see Am I eligible for cover? to determine whether you are within the limits.

Register for student travel insurance.    

You are able to access travel insurance for your university travel if you are getting credit towards your Flinders University studies or your trip has been otherwise approved by your College subject to the following conditions:

• Your overall travel period is a maximum of 180 days (for undergraduate students) or 365 days (for postgraduate students) and
• The percentage of private travel does not exceed 50% of the study period, and is not greater than 28 days

If you do not meet these conditions cover may not apply to all or part of your trip.

If you exceed these limits, you may purchase additional cover to remain covered under the University’s travel insurance policy for the additional private component. See What if my private travel exceeds the limits? for further information.

It is your responsibility to ensure that you are fully covered for the whole period you will be away.

Once your request has been approved, you will receive an email confirming your travel dates and destination(s), including an Emergency Assistance Card with a policy number and contact details in case you need to make a claim. There is nothing else you need to do.

If we assess that you have exceeded the allowed limits (see Am I eligible for cover? ), we will update your travel dates to reflect the period for which you are covered and this will be set out on the email you will receive from us. You will need to purchase additional cover for the remaining component of the trip by completing the Additional Top Up Insurance form. 

It is your responsibility to ensure that you are fully covered for the whole period you will be away.

Note - Some countries and/or overseas institutions may require students going on exchange, placements, internships, etc, to obtain in-country health or other insurances. The University’s travel insurance will not override this requirement, and you must obtain the required in-country insurance before you leave Australia.

The University’s travel insurance policy contains exclusions relating to pre-existing medical conditions.

Examples of specific exclusions include for expenses incurred when you are:

• travelling against the advice of a doctor or dentist
• unfit to travel
• seeking medical attention for a pre-existing condition
• diagnosed with a terminal condition prior to travel
• obtaining routine medical, optical or dental treatment or consultation

Note - Any medication or ongoing treatment for your pre-existing condition(s) is not covered.

We recommend that you obtain current written clearances to travel from your treating Doctor(s) and keep the letter(s) with you in case of a claim. It is your responsibility to ensure that you have the appropriate level of cover.

Personal effects including laptops and electronic equipment, travel documents, money, credit cards and jewellery (if not worn) should be carried on board in your hand-luggage. There is a maximum limit of $10,000 for baggage and business property, with a $5,000 maximum per item/pair or set. A $100 excess applies to baggage claims, except in the case of business or electronic equipment, which carries a $250 excess. Claims for deprivation of baggage have an 8 consecutive hour wait period.

For more details, consult the Schedule of Benefits for undergraduate students or the Schedule of Benefits for postgraduate students

We will calculate your private travel for you once you register. As an example, if your University study component is 10 days, you would be allowed up to 5 days private travel.

If you will be travelling for longer than the allowed limit, you may purchase additional cover for that component of the trip by completing the Additional Top Up Insurance form. We will let you know if you need to purchase additional cover based on the details you tell us when your register.

You should allow a minimum of 7 working days for your Additional Top Up Insurance form to be processed by our broker.

The Department of Foreign Affairs and Trade (DFAT) provides information about all travel destinations on their Smart Traveller website. You can also register your trip and subscribe to travel advice on the Smart Traveller website. We would encourage you to use this facility.

Our insurer Chubb has partnered with WorldAware to provide a range of up to date travel safety and security information in your area. To access the Chubb Assistance services provided by WorldAware, register with your policy number 03PP006831. We would also encourage you to use this service.

If your travel is not related to your study, you will need to purchase private travel insurance from a provider of your choice. The University recommends that you are covered for the whole period that you are overseas.

If you are an alumni, you can also purchase competitive travel insurance by completing the Alumni Travel Insurance form. More information is available on the Alumni page.

This Chubb infographic will step you through the process to make a claim. You can also visit Chubb online to submit your claim or complete the Chubb Claim form.

If you require emergency assistance anywhere in the world, you can call the local telephone operator 24 hours a day, 7 days a week and ask for a reverse charge call to Chubb Assistance on +61 2 8907 5995. Quote the Policy Number 03PP006831.

• Schedule of Benefits - Postgraduate
  
• Schedule of Benefits – Undergraduate