Travel insurance

DMU will provide travel insurance for all students participating in overseas #DMUglobal opportunities departing from September 2017 onwards. The travel insurance covers individuals for the entire duration of their #DMUglobal opportunity, you will receive a policy summary once you have formally accepted your place. However, as a participant you are responsible for ensuring that you have appropriate additional insurance cover for:

  • Personal money and personal property (including mobile phones, tablets etc.). You can check if your contents insurance includes cover for money or personal property away from home.
  • Incidents that occur outside of the dates of the #DMUglobal opportunity.
  • Incidents that occur when the individual elects to cease participation in the #DMUglobal opportunity.

Please note only insurance brokers and providers have the appropriate expertise to advise students regarding insurance cover. This page is designed to be used for general guidance and support only.

Please make sure you talk to an insurance broker or provider, if you have any specific questions relating to cover you require.

1. Look beyond the cost
Travel insurance is no different to any other insurance policy; price should not be your only consideration. You should check what is and what isn’t covered by each policy.

2. Different types of policies
There are two main types of travel insurance – single-trip policies, which only cover one trip, or annual multi-trip policies, which cover you for every trip you make over the course of a year.

3. The type of trip
You need to consider what country you are travelling to and the type of activities you will engage in while abroad, as these can affect price and coverage. Many standard travel insurance policies won’t cover you for any high-risk activities you may participate in while away – for example, scuba diving or skiing.

4. Additional needs
If you have a pre-existing medical condition or are pregnant, you will need to declare this when looking for insurance. It’s important that you are honest about any pre-existing medical conditions or pregnancy, as non-disclosure could result in a future claim on your insurance being rejected.

5. Check the small print
Read the full policy details before purchasing and check details such as: maximum trip duration, cancellation cover, lost baggage, flight delays, airline failure etc.

6. European Health Insurance Card
If you are travelling to Europe, remember to pack your European Health Insurance Card (EHIC), available through the Post Office or online. An EHIC entitles you to receive national healthcare in other European Economic Area (EEA) countries and Switzerland, at a reduced cost or sometimes for free. It won’t, however, cover the cost of repatriation and is not an alternative to travel insurance.

7. Insurance providers
There are a variety of travel insurance providers you can choose from and price comparison websites are a useful way to compare policies. DMU doesn’t work with any single provider; however providers such as Endsleigh have experience in working with students.