Student Travel Insurance

Traveling abroad for studies, an internship, a WHV, an au pair stay, or holidays exposes you to medical and administrative unforeseen events. In many cases, insurance is even mandatory: it is required by embassies and consulates to obtain a long-stay visa or a WHV (with minimum medical coverage of €30,000), and requested by most host universities in the form of a certificate of insurance.

French Social Security, credit card insurance, or the European Health Insurance Card (EHIC) are not enough: insufficient coverage limits, no medical repatriation, and reimbursements limited to local public rates. Our student travel insurance covers your medical expenses from the first euro, at 100% of actual costs, with no deductible and no waiting period, and covers hospitalizations without advance payment upon a simple phone call.

Expert Opinion : Requirements vary depending on the destination, and some are very strict. For a stay in the United States under a J-1 visa (exchange, internship, research), the US Department of State imposes specific minimum coverage: medical benefits of at least $100,000 per accident or illness, medical evacuation of $50,000, repatriation of remains of $25,000, and a maximum deductible of $500 (regulation 22 CFR 62.14). Neither a credit card nor the EHIC meets these criteria. Before leaving, always check that your certificate displays amounts at least equal to those required by your host country or institution. Camille, CEO at Assurances Étudiants by ADH

The offer is aimed at students and young professionals under 40 years old, regardless of their nationality, anywhere in the world outside their country of origin and habitual residence, for a flexible duration of 1 to 12 months.

It covers all mobility projects: university studies and exchanges (Erasmus type), internship agreements, language stays, WHV / Working Holiday Visas, au pair stays, international volunteering, and tourist trips. Student specificity: during your trips back to your country of residence during school holidays, the same benefits remain acquired in the event of a medical emergency, up to a limit of €15,000.

What coverage and limits?

• Medical, surgical, and hospitalization expenses: 100% of actual costs, with no deductible and no waiting period, up to €300,000 per person per year.

• Hospitalization: direct payment setup available upon a simple phone call, with no advance payment.

• Emergency dental care: €300 (€600 following an accident).

• Epidemics and Covid-19: medical expenses, hospitalization, and assistance covered.

• Personal Third-Party Liability and internship agreements: bodily injury up to €4,500,000, property damage up to €450,000, items entrusted during internships €11,500 (€100 deductible per claim).

• Baggage insurance: up to €1,150 during the round trip.

• Personal accident: capital up to €30,000 in case of permanent total disability.

Concrete Example : An emergency hospitalization followed by surgical intervention abroad, particularly in North America, can cost tens of thousands of euros. With the Globe Partner offer, these expenses are covered at 100% of actual costs up to €300,000 per year, with no deductible and no waiting period, and the hospitalization can be settled directly by the insurer upon a simple phone call, without you having to advance any money.

A multilingual team can be reached 24/7, with free choice of doctors and hospitals, and a simplified reimbursement request process. Assistance notably includes:

• Medical repatriation and medical transport: 100% of actual costs.

• Presence of a relative if you are hospitalized for more than 7 days: round-trip ticket + €80 per night (maximum 8 nights).

• Extended stay for medical reasons: €80 per night (maximum 15 nights).

• Early return in case of a relative's death: return ticket covered.

• Additional services: Dispatch of essential medications unavailable locally, cash advance in case of theft (€700), legal assistance (€3,000), and advance of bail (€7,000).

• Repatriation of remains in case of death: funeral expenses limited to €1,500.

Benefits are effective on the effective date (subject to payment) and end on the day of your return, and at the latest, on the coverage end date indicated on your policy certificate.

The initial policy must be subscribed at the latest on the day of departure, and any renewal must be made consecutively, without interruption from the last subscribed policy.

If the care expenses are:

• Under €500: the reimbursement claim can be made directly on the online platform.

• Over €500: the reimbursement claim can be sent by post to:

The reimbursement claim form must be completed and accompanied by original paid invoices.

The reimbursement request must always contain:

• All medical documents in the insured's possession (prescriptions, medical reports, accounts...)

• All supporting documents indicated on the form

• A copy of the passport (identification page + arrival stamp)

For any request for assistance or direct settlement for hospitalization exceeding 24 hours, the assistance platform available 24/7 must be contacted. The contact details of the assistance platform can be found on the insurance certificate and in the general terms and conditions received by email upon subscription.

Going on an Erasmus program does not exempt you from taking out insurance. Neither the program nor enrolment at the host university includes comprehensive health coverage: the EHIC is limited to public healthcare at local rates and includes neither repatriation nor third-party liability. And for an internship, the institution's insurance often only covers private life, not damage caused in a company.

Student travel insurance fills these gaps. The policy from Assurances Étudiants by ADH covers your medical expenses at 100% of actual costs (up to €300,000 per year), medical repatriation, and extends third-party liability to both private life and internship agreements, including entrusted items. You are covered for the entirety of your mobility period, whether in classes or on an internship.