Student travel insurance

If you are a student enrolled in an undergraduate or postgraduate course, including a research higher degree, at Flinders University travelling within Australia or overseas for your studies (eg exchange, short program, internship, placement, etc), then you are eligible 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 insurance if you are travelling overseas.    

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 incidental private travel does not exceed 50% of the University related travel, and
• The journey involves a destination 50 kilometres or more away and commences from, and concludes at, your normal workplace or residence (whichever is left last)

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

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.

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 known or suspected 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 and securely stored at all other times. 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 electronic equipment, which carries a $250 excess.

For more details, consult the Schedule of Benefits.

The maximum duration of any journey under the University’s travel insurance policy is 365 days.

Whilst travel for undergraduate students is limited in the first instance to 180 days, additional insurance may be obtained at an additional cost for up to 365 days travel using the Additional Top Up insurance form (subject to eligibility and provided that the percentage of the incidental private travel does not exceed 50% of the study component).

Additional Top Up travel insurance can only be applied for prior to the commencement of the journey.

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.

In the event that you are admitted to hospital, if evacuation may be required, or medical, evacuation and additional expenses are likely to exceed $2,500, Chubb Assistance must be contacted as soon as reasonably practicable. Any potential evacuation/repatriation resulting from an accident, will be in the first instance at the travel insurer's discretion and based on medical advice.

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.

Claims against the University’s travel insurance can be made directly via Chubb online or via a claim form (the process is further outlined in this infographic). The Policy Number is 03PP006831.

• Schedule of Benefits