Spring Break Tips for College Students: How to Protect Your Trip
College spring break is a week for fun, sun and feeling carefree. However, life does come with risks, as does traveling. Insurance can help mitigate those risks, but with so many different kinds, it may be difficult to decide which plans are most beneficial for spring break. Whether you're a student looking to protect the cash you're spending on your trip, or a parent worried about your student's safety while they're away, here are a few plans you may want to consider to help protect your spring break.
It's easy to skip over travel insurance and opt-out when buying your flights or booking your hotel, because the odds that your trip logistics will get interrupted are often slim. You can never know in advance, but you may want to consider travel insurance for spring break for several different reasons.
Travel insurance can help protect you from reimbursement restrictions, can help provide you with extra protection in case of a medical event during your travels (like medical evacuation), as well as help provide you with assistance services you may not have access to elsewhere while traveling. For a relatively low cost, travel insurance can help take care of the odds and ends if your travels hit a snag – be it a sudden illness, a missed flight or taking the wrong route and ending up lost.
You'll be away from home while you're on spring break - will your belongings be protected? Renters insurance can help you protect the belongings you leave behind from theft and damage, and the belongings you bring along with you if your plan includes worldwide coverage.
Theft is a common worry when traveling, and renters insurance with replacement cost can help you replace your belongings for their true value. Be sure to check your plan for any out-of-residence limitations before you leave, many plans cover up to 10% of your limits for items facing losses outside the residence.
If anything happens to your residence while you're away, renters insurance can help protect you against covered perils. With renters insurance, you can help protect not only what you bring with you on vacation, but also what you leave behind at home.
60% of spring breakers are injured, and oftentimes these injuries are self-inflicted (source). With this staggering statistic, it’s important to help protect yourself against medical costs in case something happens while you're away. Make sure to check in on your health plan to see if you're covered wherever you are going. If not, you may want to consider purchasing a temporary plan, an endorsement or a plan that includes medical evacuation to get the coverage you'll need in case something goes wrong.
Are you taking a road trip? Planning to rent a car abroad? Make sure your auto insurance travels with you. In the last 2 years, 27% of students have been in or know someone who has been in an auto accident (source). For a road trip, you may want to consider purchasing additional coverage, like a roadside assistance program, in case you run into any problems out on the road.
If you'll be driving abroad, talk with your agent to ensure your coverage will hold up overseas. Always take extra caution driving in another country and brush up on driving etiquette for that area to make sure you know the rules of the road, which can differ greatly from the rules back home.
As mentioned above, theft can be a concern when traveling. It's especially risky if your passport or credit card are some of those things that can be stolen! Those aged 16-24 are already the most likely to experience attempted or successful identity theft (source), and no one wants to deal with such stress while on vacation. Identity Theft Protection can help detect instances of ID theft and help resolve any cases that arise when you’re away from home.
Spring break is a great time to unwind during a busy, stressful semester. Insurance can help ensure that your trip doesn’t become an added stress by helping to provide valuable protection against the risks of traveling.