Insurance Plans

International Travel & Medical Protection

Worldwide insurance coverage for students and staff, individuals and groups

GuardMe International Insurance policies specifically meet the needs of the international education community. Our policies are designed to provide comprehensive cover to students travelling anywhere in the world.

Who uses our policies?

We insure:

Travelling school faculty and staff.
International students travelling anywhere in the world.
Dependants and immediate family members of the insured.

We collaborate with study abroad Education travel operators and education providers all around the world to support their students participating in:

Language Schools and Camps
Cultural Programmes, Academic Exchanges and Internships
Primary and Secondary Schools: Independent, Private and Boarding
Universities and Colleges

To provide additional support to the sector, we partner with accrediting bodies and education abroad industry associations across Europe.

Core benefits:

GuardMe International Insurance policies feature core benefits and protections (as per the terms and conditions of each policy wording), such as:

24/7 GP support via Digital Doctor
Emergency medical cover up to €/£10 million
COVID-19 cover and quarantine costs
Repatriation and third-party liability
Travel benefits.

Optional benefits:

Cancellation cover.
No excess or co-payments.

Our trusted insurance products

Below is a snapshot of our four most popular policies for clients and students travelling worldwide. They have been custom-built based on market demand and our 25+ years in the international education industry.

Is there an insurance product you want for your students or clients? Ask us! Chances are, we can build it for you.

Popular Policies

Multi-Risk with Cancellation: Comprehensive coverage with cancellation protection.

Multi-Risk: Extensive medical and travel protection.

Travel Plus Cancellation: Ideal for long-term study abroad programs.

Domestic Italian Travel Plus Cancellation: Complete coverage for trips within Italy.

Find the Right Plan

Our team is ready to help you find the perfect insurance plan for your needs. Contact Us

Multi-Risk with Cancellation Policy

Protects students when plans change suddenly.
Provides travel insurance that covers students anywhere in the world.

Choose what’s best for you:

Variable Cover from 7,500 EUR/GBP up to 25,000 EUR/GBP.

Tip! For students going abroad for programmes which are considered long term, typically boarding schools, pathway providers or University programmes. We recommend Variable Coverage of 25,000 EUR/GBP, which provides a more robust insurance policy for greater peace of mind, for those more expensive study abroad options.

All-Inclusive Coverage including medical up to 10 million EUR/GBP.

Tip! This product is perfect for students travelling abroad from their country of residence who want comprehensive medical coverage including visits in private facilities and additional benefits not covered by their home insurance or their EHIC (European Health Insurance Card).

Multi-Risk Policy

This policy is very similar to the one above but does not offer cancellation coverage. The policy benefits include:

Covers students travelling anywhere worldwide.
Offers medical and travel protection for things like delayed or missed departures, loss of baggage, theft, emergencies, accidents and personal liability.

Case Studies:

Miss C.M (14 years old) from Spain travelled to the UK for an English course of 14 days duration. Sadly, her grandfather passed away suddenly and she curtailed her trip. Under her Guard.Me Multirisk Plus Cancellation policy, she was reimbursed €1,355.13 to cover the costs of her early return to Spain and a pro-rata refund of her unused course fees.

Mr A.N., (20 years old) was travelling from Palermo in Italy to New York to attend the British Academy for a 2-week course. The night before he was due to travel, he was hospitalised with food poisoning (acute gastroenteritis), diarrhoea and dehydration. The customer was unfit to travel and remained in hospital so had to cancel his planned trip. Under his Guard.Me Multirisk Plus Cancellation policy, he was reimbursed €3,742.50 in cancellation costs for his flights, accommodation, and British Academy course fees.

Mr U.R (15 years old) from France was involved in a major cycling accident and suffered severe facial and dental injuries. He was due to travel to Gordonstoun in Scotland for a 25-day course but cancelled owing to his ongoing treatment requirements in France arising from his cycling injuries. Under his Guard.Me Multirisk Plus Cancellation policy, he was reimbursed €7,073.02 in cancellation costs for his flights, accommodation and Gordonstoun course fees.

Mr P.L. (24-year-old) from Italy, purchased his Guard.Me Multirisk Plus Cancellation policy in March 2023 to costs of an English language course that he was going to attend in Canterbury in England. He sat his examinations in May 2023 and but failed to pass them. Mr P.L. had to take his examinations again as he would not have been allowed to progress in his course without passing his examinations. He therefore cancelled his trip and the customer was refunded €879.00 under the cancellation section of his Guard.Me Multirisk Plus Cancellation policy.

Travel Plus Cancellation Cover

Specifically designed for long term study abroad programmes.
Includes added benefits that provide coverage up to 25,000 EUR/GBP.
Covers students or staff for cancellations prior to departure, as well as travel interruptions.
Offers protection for loss of baggage, theft, emergencies, accidents, and third party liability.

This policy is perfect when medical insurance is not needed. For example, students can use the GuardMe Travel Plus Cancellation Cover policy for their main travel protection, and for medical coverage, they can rely on one of the following if they are travelling within the EU or UK:

European students travelling within the EU can use their EHIC (European Health Insurance Card) for most medical needs (if students prefer private facilities or faster service, then they should purchase a GuardMe policy).
Students in the UK will pay a Health Surcharge to use the public NHS (National Health Services) for medical needs.

Remember, if a student is travelling beyond the EU or UK, then they are advised to purchase the Multi-Risk with Cancellation Policy with All-Inclusive Coverage including Medical.

Domestic Italian Travel Plus Cancellation

Offers complete coverage for cultural visits and class trips within Italy.
Designed exclusively for Italian students as well as staff and chaperones accompanying students on trips.
GuardMe’s insurance acts like a cancellation policy, offering end-to-end coverage for all the pieces of the trip. Under one convenient policy, you have coverage for buses, trains, flights, taxis, hotels, entry fees at attractions and more.

To guarantee complete protection during students' study trips, we offer benefits such as:

Coverage for interruptions, delayed or missed departures.
Last minute cancellations.
Lost or stolen baggage.
Personal accident and public transportation accident..
Civil and third party liability, for example, if a student accidentally injures someone or damages someone else’s property.