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The College-Bound Guide to Insurance: Be Sure You’re Protected as You Head Off to School

June 26, 2020

College students need a lot of supplies for college life. From bedding to electronics to school supplies, the costs can add up. In 2017, families spent as much as a mortgage payment or more on school supplies and that’s not counting tuition!

Is your college investment protected? Certain insurance products can help your family protect what you’ve invested in your student’s college experience, from personal property, to the cost of a trip to the campus health center during flu season.

In The Residence Halls

You’re probably bringing a laptop, smartphone, tablet, TV, speakers, dorm decor, clothes, and school supplies with you to college. Maybe you’ll even bring a bike or some furniture. The cost of these belongings can add up – what would you do if they all needed to be replaced due to a fire on campus? Or if your big-ticket items, like your laptop or bike were stolen – could you afford to replace them? Insurance can help you and your family protect your belongings if you face a loss or damage because of a covered reason, like theft, fire or water damage.

There are two primary types of insurance that can help you and your family protect your belongings while you’re at school: homeowners and renters insurance. If your parents have a homeowners insurance policy, you may already be covered, but be sure to check the specifics of the policy. Many homeowners policies will only cover full-time students living on campus, and often at a percentage (usually 10%) of the policy limits. Be sure to take into consideration the deductible, as well as a claim’s effect on the premium. Renters insurance can be a good alternative in these areas, as renters plans typically feature low deductibles and often low monthly rates.

To make the most of your insurance protection, you should create a home inventory of everything you’ve brought with you to school and how much it cost. Taking photos and carefully taking a record of everything you have will make it much easier to determine what has faced a loss if you need to make a claim. The total cost could surprise you, and knowing how much all of your stuff is worth can help you determine whether 10% of your homeowners limits or the limits you chose on your renters insurance policy are adequate protection.

The New York Insurance Association recommends that students ensure they have adequate insurance protection as well as taking a common-sense approach to protecting their valuables. They offer these tips to help students be mindful of their belongings:

  • Leave valuables at home if possible – While it may be necessary to take a computer or sports equipment to campus, other expensive items, such as valuable jewelry, luxury watches or costly electronics, should be left behind.
  • Mark your electronics – Label electronic items such as computers, televisions and portable devices like iPods with the student’s name or other identifying information that can help police track the stolen articles.
  • Always lock your room door and keep your keys with you at all times, even if you leave briefly. And not just at night—most residence hall thefts occur during the day. Insist your roommates do the same.
  • Do not leave belongings unattended on campus. Whether you are in class, the library, the dining hall or other public areas, keep book bags, purses and laptops with you at all times. These are the primary areas where property theft occurs.

Health

Newfound independence, the stress of classes, dining hall food, all-nighters, community living, partying – the college lifestyle, if unchecked, can take its toll on students’ health. Many schools require that students have health insurance, and for good reason: it can help protect students and their families from the high costs of medical treatments in the case of an injury or illness, like a sports injury during an intramural game or a case of mono.

Many schools offer students a health insurance plan, but often the most inexpensive option is for students to remain on their parent’s plan. Under health care law, young adults are allowed to remain on their parents’ plans until the age of 26. Check with your parents to see if their plan may be an option or speak with a licensed insurance agent to see what’s available to you.

In addition to health insurance, there are many ways students can take control of their well-being throughout the semester by setting time aside to eat well, exercise and manage stress:

  • Eat right. There’s a lot of temptation in the dining halls, but adding a side salad and ensuring that you get protein and vegetables and fruits each day will go a long way to giving your body the vitamins and nutrients it needs. It is important to maintain a varied diet and stay away from eating the same bowl of cereal for dinner everyday.
  • Stay hydrated. Swap sugary drinks for water. Getting 8 glasses a day can help fend off fatigue and keep you feeling good. It can be helpful to carry a water bottle such as a Hydro Flask with you to avoid becoming dehydrated during class.
  • Get sleep. It can be difficult to get enough sleep when there are so many deadlines, due dates, and social events, but you should do your best to get in bed at a reasonable hour and if not, take a nap during the day. Sleep helps your immune system and can help you retain information, so you’re not studying in vain!
  • Manage your stress. College comes with an inevitable amount of stress, but setting aside time to deal with it will make it much easier. Exercise, taking time to relax, reading a book for fun or setting aside an hour to catch up on your favorite show each week will help you unwind and appreciate the many opportunities college presents. If the stress of college life is too much, there are many resources on campus that you can turn too. Don’t wait until it’s too late.
  • Get moving. Exercise is an important part of a balanced lifestyle, and not only will it help you stay healthy, but it will also make you feel good too. Exercise for at least 30 minutes several times a week and try to walk as much as possible. Getting your blood pumping will relieve stress and help you study smarter. Your school may even offer fun classes such as spin or yoga which you can attend with your friends.

Tuition

Perhaps the largest expense of all, more than airfare, a laptop, gas or a flu shot, is tuition for many families. Luckily, this too can be protected by insurance. Tuition insurance can help refund lost tuition if a student should be forced to completely withdraw from school due to a covered reason. Many schools do not refund most tuition after the first couple weeks of the semester, which could leave many college families vulnerable. Be sure to check your school’s refund policy, which you should be able to find on their website, and consider whether you need more protection than it affords.

Travel

Whether it’s traveling to campus from home, traveling to study abroad, or bringing a car to campus, insurance can help protect students from costs that may arise if things don’t go according to plan, like a health issue abroad, a canceled flight or fender bender while at school. Depending on your situation, you may want to consider insurance protection.

Car insurance is required if you bring a car to school. Look for a plan that gives you adequate coverage, though you may have to spend more to get more coverage, it will minimize your exposure. Speak with an agent about what coverages are right for your vehicle. Don’t forget to ask if you qualify for a “good student” discount – you could save 5-15%!

Depending on how far away from home your school is or where you travel to during the school year, travel insurance could be beneficial to you and your family. Travel insurance has different levels of features that you can customize for your trip. Most people think of travel insurance as just covering airline ticket reimbursements in case something goes wrong, but it can also protect you financially if you lose your luggage or need to be airlifted to better healthcare, depending on the plan you select.

Insurance can help college students and their families protect their investment in education. Some of these protections may be beneficial to your family, while some may not. It depends on your situation and risk tolerance. If you have questions regarding your insurance coverage for college, speak with an insurance agent for more information. Have a wonderful and safe semester!

Other Safety

Spring Break Tips from Packing to Protection

March 1, 2018

Spring break.  The much-needed college break.  If you are like many college students we know, you have just rushed thru mid-terms and are excited about a week with friends.  Yet – you haven’t given much thought to what to pack or what could go wrong.  So here are GradGuard’s tips for making the most of spring break.

Packing Efficiently

The key to packing smart is bringing reusable options.  Only bring multiples when necessary.  For instance, a weeklong spring break trip to a warm destination will require several swimsuits, as you’re not going to want to wear the same one all week.  However, you can save room by bringing bikini tops and bottoms that you can mix and match, creating more options without taking up extra room.  This same philosophy applies to the rest of your wardrobe.  Instead of bringing a completely separate outfit for each night you are going to go out on the town, bring pieces you can easily restyle.  

Remember The Little Things

There are several items which, if forgotten, can put a major kink in your travel plans. You may be able to buy them once you’ve arrived, but take the hassle out of your trip by remembering to pack them in the first place.  However, make sure you bring several forms of identification, cash, and your insurance cards. Hopefully, you won’t need it, but in case something happens, you need to be prepared and have necessary documentation with you.

Protect That Bag & Trip

Given the cost of travel and the stuff you have with you, it can be smart to also purchase travel insurance to cover the cost of your trip if you get sick or in some cases travel insurance can replace your baggage in the event it gets lost or stolen. Another option to consider is packing light and bringing just a carry-on, to eliminate the chances that your baggage will get on a plane to the wrong destination without you. If you do decide to check a bag, pack smart in your carry on – be sure to stash your essentials for the week in your carry on so if your bag does get lost, you’ll have what you need on hand.

Protect your stuff at home & while traveling

Of course, your parents will remind you about protecting your belongings in your hotel room and keeping a close eye on your purse.  But what about everything you’ve left back at college? Remember that renter’s insurance to help protect your things both on campus and beyond.  Purchase a renters insurance policy is smart for college students because it can protect your property both on and off campus – even when you are traveling.

Happy Travels!

Career Other

Going, Going, Gone…Abroad!

July 18, 2016

If you’re in college, you’ve probably heard a lot about study abroad. Going abroad means being able to study in a foreign country (and sometimes in a different language) while also having the opportunity to travel, meet new people from around the world and explore a new culture. It’s a once-in-a-lifetime chance to spend some time outside of your everyday college campus–there are study abroad programs across the globe. Even if your college or university does not offer a study abroad program in a place you’d like to see, there’s a high probability that another school does.

Through study abroad, you have the chance to live in places you may never have considered before–I know people who have studied in England, South Africa, Morocco, Ireland, Switzerland, Italy, Australia, New Zealand, Germany, France, Kenya, Mexico, Ecuador, Argentina and other amazing countries! The options truly are endless. I decided to go to Madrid, Spain for my study abroad period last spring. I perfected my Spanish through three language and literature classes, a home stay with a Spanish family and an internship at a sports marketing agency in the city. I also learned about the history and culture that makes Spain such a wonderful country. It was an eye-opening, life-changing experience!

Going abroad is becoming more and more common among college students. Every year, over 350,000 American students pack up their suitcases and study abroad. In the last decade, study abroad participation has seen a 130% increase in American college students. While close to 40% of students chose to go during their junior year, most schools offer programs open to sophomores and up. Surprisingly, only 6.2% of study abroad students go for a foreign language. No matter what your major is, there’s a chance to get out and see the world!

If you’re considering study abroad, make sure to look up programs at your school, as well as other universities. Take time to research a program you’re truly interested in–one you know that will challenge and change you. If you’re already going abroad, make sure to think ahead with regard to visas, plane tickets and travel insurance. Don’t leave any important paperwork until the last minute!

How to Prepare for Studying Abroad

If you are studying abroad this upcoming semester, you’ve (hopefully!) done your research and gotten all your paper work ready, but there are still plenty of things to do. Before traveling abroad, here’s a fun checklist for what you should do and bring before you board that plane!

  • Pack light. Most likely you’ll be traveling alone or with others who are also studying abroad, therefore, you’re the only one who will be carrying your stuff. In many cultures outside of the US, there is not as much of an emphasis on “new” and “excess” – it’s okay to wear the same outfit more than once. Pack only what you’ll need while you’re away and things that can be used for multiple purposes – your favorite outfits, comfortable shoes, exercise clothes that can double as pajamas, and one dressed up outfit. Your wardrobe will vary greatly depending on where you are going, but remember to pack smart. When you’re away, you’ll find yourself gravitating to only a fraction of what you bring with you – eliminate the wasted space. For me, being in a foreign culture meant I gravitated toward my favorite outfits time and time again since those are what I felt most comfortable in while adjusting to new surroundings.
  • Bring mementos from home. I know, I said pack light, but you should bring with you some photographs of family and friends as well as a few souvenirs for the friends you meet abroad. You WILL go through at least some culture shock and having reminders of home and the people you left at home will help you feel less lonely during the initial shock phase.
  • Expect a period of culture shock. When studying abroad and living abroad for a few months, culture shock is unavoidable. Many studies and articles portray culture shock as a bell curve – at first it is fun and exciting, then you assimilate more and realize the differences and barriers in culture and become lonely, and finally you adjust, understanding and appreciating the differences in culture and recapturing the excitement of being abroad. While you will experience loneliness, make sure to put yourself out there, make new friends and beat that loneliness! You will come through it.
  • Get out there! For many, you will only study abroad or even live abroad once, so take advantage! If you can travel, travel. If you can make new friends from your host country, make those friends! Try new cuisines and activities, spend time getting to know your host family, and visit every tourist trap and museum. Get to know your city, get to know the locals and take it all in! Experiencing the new culture around you is just as much a learning experience as the classes you’ll take abroad – so do your homework!
  • Be safe. Do your research before you go to make sure you know of any dangerous areas in your city, crime problems, or health advisories in the area in which you will be studying. The Students Abroad site by the Department of Consular Affairs is a great resource:http://studentsabroad.state.gov/index.php. Learn how to best manage an emergency situation abroad, more about local laws and they have an awesome handy-dandy packing guide. It never hurts to be prepared!

But perhaps most importantly, have fun and stay safe this semester!

Health Other

Types of Insurance New Grads Should Consider

May 20, 2016
Insurance Guide for New Grads

Graduation. You made it! Congratulations! Undergrad is behind you, and you’re about to embark on the next phase of your life. And while that is super exciting, it can be nerve-wracking and even a little bit risky. Some of those risks, however, can be mitigated with the right types of insurance. As you start off on your own as a young adult, you may start building a life you’ll want to protect, and insurance can help you do just that. Whether it’s a job, grad school, traveling or the unknown that’s next for you, insurance can be an important part of building your finances.

1. Health Insurance

You’re young, you’re healthy… do you really need health insurance? Soon you’ll be required to have it under new healthcare legislation, and in the meantime it is valuable coverage to have. Young adults have the highest rate of injury-related emergency department visits of all age groups (source), so it is wise to consider a plan in case of an accident or illness. Health insurance comes in many forms, so what is best for you? It all depends on your situation. Be sure to speak with an agent to review your options before purchasing insurance.

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Other Student Life

8 Risks Students Should Consider Before Heading Back to College

August 18, 2015
8 Risks To Consider Before College

College is a unique life-stage, and, likewise, it presents some unique risks you and your family may not have considered before. Don’t be a statistic – understanding the risks of college life can help you take steps to protect yourself this school year.

Many of these areas of college life are particularly risky during the back-to-school season, as students adjust back to college life and freshmen  just start out in college. Before you arrive at school, it is important to have a plan in place for these risks. There are many ways to ensure you will have a safe, healthy semester. Here are 8 risks to consider, and some ideas for mitigating those risks.

1. Theft

You bring a lot of stuff with you to college, as well as some pretty expensive items. Your laptop, smartphone and bike are college basics that carry hefty price tags… and could be attractive to thieves. More than 30,000 burglaries are reported annually related to college students, including 15,000 residence hall burglaries, according to government data.

Being diligent about protecting your stuff can help – always lock your door, never leave your things unattended, avoid bringing valuables to school, and stow your belongings safely to keep them in top condition. You may also want to look into getting a lock for your bike or laptop as well as engraving certain belongings. A safe can help protect any valuables you must bring along.

Besides being mindful of and taking good care of your possessions at school, certain insurance can help you protect your belongings. Talk with your parents to see if they have a homeowners insurance plan that will cover you (and note special coverage limitations, both for eligibility and the amount of coverage you’d receive), and if it would make sense for your family to use it for your things while you’re away at school. Consider the deductibles as they compare to the cost of your more expensive college necessities as well as whether a claim filed for your belongings would affect their premium. If you do not qualify under their coverage or decide it’s not a good fit, consider renters insurance. Some plans are designed specifically for college students and feature liability protection as well.

2. Fire

Each year, fire departments respond to over 3,800 fires in dormitories, fraternities, sororities, and barracks, according to the NFPA. And that’s just ON campus. Fires are a serious risk on and off college campuses, both to your health and safety, but also (and more likely) your stuff, thanks to fire, smoke, or water damage.

There are many things you can and should do to check for fire safety in your residence hall or off-campus apartment, like ensuring fire alarms are in working order and that there are two ways out of your room. Don’t delay – September and October are peak months for fires in college housing, according to NFPA research. You are at increased risk at the beginning of the year, so make sure you check for fire safety as soon as you get to your residence hall or off-campus apartment.

3. Your Health

Hopefully you’ll have a happy and healthy school year, so make sure to take care of yourself! Ensuring that you get enough sleep, enough water, eat right and take time to relax and de-stress will go a long way to staying healthy at school. Taking care to wash your hands and maintain proper hygiene and cleanliness in the dorms will help you fend off germs and lower your chances of catching something going around the dorms, like the flu or a cold.

In addition to healthy habits, health insurance can help students protect themselves from the costs of healthcare should an illness or injury occur. Talk with your parents and an insurance agent to determine what kind of plan is right for you – if you’re under 26 you may opt to stay on your parent’s plan, your school may offer a plan or you may be eligible to enroll via the health insurance Marketplace.

4. Binge Drinking

This is particularly important for first year college students living at school to be mindful of – the first six weeks can be the highest-risk time period for freshmen. All students can benefit from learning about the warning signs to help a friend in need, and an understanding of how choosing to drink can your health and studies.

5. Classes

In the past 12 months, 47.4% of college students found their academics very difficult to handle. Establishing good study habits, learning about your school’s additional resources, and setting up a routine for balancing classes, studying, and other facets of college life is paramount to keeping up.

6. Finances

Sixty-five percent of college students surveyed grade themselves a “C” or worse in managing their money. That’s not a huge vote of confidence for your financial health. In fact, 33.2% of students surveyed reported that, within the last 12 months, finances have been traumatic or very difficult for them to handle. Most often students leave college due to money matters – 54% of students stated the major reason they left college was, “I needed to go work and make money.”

7.  Your Education Investment

For many families, college is a large investment. Many families also don’t know much about the details of their school’s refund policy in the event of a medical withdrawal from school. Accidents, illness and mental illnesses can be disruptive to a students’ education, and many schools do not refund 100% of tuition after a few weeks into the semester. Tuition refund insurance can help complement a school’s refund policy if you are forced to withdraw for medical reasons.

8. Travel

Travel is a part of life for many college students – whether it’s commuting, traveling away to school or studying abroad. There are many different types of insurance and benefits that can help students protect themselves while traveling or while away. Some protections to consider are travel insurance for trips and roadside assistance if you have a car on campus. Some student benefit plans combine many protections in one product, like the Student Protection Plan.

How do you stay safe at school?

Other Student Life

10 Online Tools You Should Use While Studying Abroad

June 9, 2015

Starting out in a new country and culture is never easy. Especially when you don’t speak the language of the people around you. But don’t worry,  nowadays there are many tools at your fingertips to help you get by when studying in another country. The Internet has helped simplify studying abroad by making it easy to find essential information concerning accommodation, maps, language learning and more.

To ease your transition to studying in a new country, check out these 10 tools!

Study abroad lifestyle tools

1. Cheap Tickets

As the name says it, this website offers cheap tickets for absolutely everything: vacations, hotels, cars, cruises, flights and events. Users just have to choose a category and fill in the forms. Then, they have the possibility of sorting the results depending on best value, lowest price, distance, star rating and reviewer score.

You can choose to book both flights and hotels. In this way, the total sum of the package will be lower. After choosing the hotel, the app will display info on the flights. Then, one can even select to rent a car. In this situation, the tool warns you on the additional costs and the minimum age the driver must be.

2. Hostel World

Hostel World is practically the gold standard for booking a hostel around the world. You can find rooms on the cheap pretty much anywhere you’ll roam. Additionally, the website offers free online travel guides. Depending on the selected country, individuals have access to travel tips, free pocket guides, videos and travel itineraries.

You can download the pocket guides because they are really useful, containing info on: transportation, embassies, cheap places to eat, locations to go after dark, places that one must not miss, events that take place every month, internet access points, cheap stores, and budget tips.

Additionally, the team has put together a perfect day scenario for every city.

3. Budget Your Trip

In here, users have the possibility of checking up prices and experiences directly from other travelers. This is first-hand honest information, not influenced by any company.

Then, individuals can create their own trips and calculate the necessary budget using the website’s online tool.

The team also offers travel guides for cities all around the world, but they are not free.

The website offers an overview of interesting places to visit. Users just have to choose one country and the itinerary appears. There are three different alternatives – pick the one you like the most, or if money and time allows you, go for all of them!

The suggested itinerary also contains info on accommodation, cities and regions and a general overview.

4. AroundMe

This is a smart phone application that also works on tablets and iOS. It is perfect for getting by in a new city. With its help, one can find the nearest restaurants, banks, gas stations, or hotels. Moreover, users can book a hotel room or find a movie schedule in their area.

The app’s look is very simple and makes it easy to use. Additionally, you won’t need to carry heavy guides with you anymore!

5. TravelSafe Pro

This app works on every smart phone and contains essential information about places you want to visit. It includes a data base with emergency phone numbers and embassy contacts.

The app does not need Wi-Fi in order to function, so you can use it anywhere, anytime.

It is easy and simple to browse. One can find the necessary info in no time!

 

Language learning tools

6. SoundNote

This app is amazing for students! It allows you to audio record and take notes. And that’s not all – one can tap on a word from the notes and the playback goes directly to that moment of the recording! In this way, you will never miss a thing!

However, the tool is not free and it only works with iTunes or iOS. But the price is so low, that everyone can afford it.

7. Essaymama

This online writing agency is able to help international students create impressive writing.

The website’s educational blog suggests helpful study tips and infographics that will get your language writing skills to the next level. Besides, the blog has such tools as wordcounter, citation generator and essay writing guide, that will help students to fulfill their college writing tasks easier and faster.

Not to mention that the team of professional writers can assist you in proofreading and editing all kind of texts. With their experienced help, you’ll do well in your classes.

8. WordReference

This is a reliable dictionary for international students. It provides dozens of translations and alternatives, each one fit for a different context.

On the language forums, one can start new topics and ask the help of native speakers. Also, this is a great means of getting to know people from that particular country. You can even make friends!

The most useful tool in here is the “Verb conjugations” one. Unfortunately, the team has only uploaded data for three languages: French, Spanish and Italian. Consult this section whenever you are not sure about a verb’s form.

9. Sounds

This app comes from Macmillan and it provides pronunciation help for English learners. It is compatible both with iOS and Android.

The app has a Practice mode that contains in listening, writing and reading.

The vocabulary word list is not free, but not expensive either. It includes over 650 high frequency words that come along with their Macmillan definitions.

With this tool, students can learn and practice English whenever they have some spare time.

10. iTranslate

This app works with Windows operating systems. It is able to translate words, text and phrases from and to over 90 languages. It is the vital help that will break the language barrier for users, wherever they may go.

You can also use the voice input and output and listen to the words. Now all you need is a Windows operating smart phone!

 

With the right tools, international students can easily integrate and accommodate into new environments. Pick the apps that best fit you and always be on top of your abroad experience.

Other Safety

4 Ways To Protect Yourself at College

August 18, 2014
Tips for protecting yourself at college this year!

College life has many risks – this year don’t be a statistic and make sure you’re protected heading into this school year. There are many ways to ensure you will have a safe, healthy semester. Here are four risk areas where you may be vulnerable and ideas on how you can protect yourself!

1. Protecting Your Stuff

You bring a lot of stuff with you to college, as well as some pretty expensive items. Your laptop, smartphone and bike can add up. What if one or all of those was stolen or damaged? You’re looking at a hefty price tag to replace those items, and likely on a college budget.

Being diligent about protecting your stuff can help – always lock your door, never leave your things unattended, avoid bringing valuables to school and stow your belongings safely to keep them in top condition. You may also want to look into engraving certain belongings and getting a lock for your bike and laptop, as well as a safe for any valuables you must bring along.

Besides taking good care of your possessions at school, consider insurance to help you protect your belongings. Talk with your parents to see if they have a homeowners insurance plan that will cover you, and if it makes sense for your family to use that as your financial protection for your things while at school. Consider the deductibles as they compare to the cost of your more expensive college necessities as well as whether a claim filed for your belongings would affect their premium. If you do not qualify under their coverage or decide it’s not a good fit, consider renters insurance.

2. Protecting Your Health

Hopefully you’ll have a happy and healthy school year, so make sure to take care of yourself! Ensuring that you get enough sleep, enough water, eat right and take time to relax and de-stress will go a long way to staying healthy at school. Taking care to wash your hands and maintain proper hygiene and cleanliness in the dorms will help you fend off germs and lower your chances of catching something going around the dorms, like the flu or a cold.

In addition to healthy habits, health insurance can help students protect themselves from the costs of healthcare should an illness or injury occur. Talk with your parents and an insurance agent to determine what kind of plan is right for you – if you’re under 26 you may opt to stay on your parent’s plan, your school may offer a plan or you may be eligible to enroll via the health insurance Marketplace.

3. Protecting Your Tuition Dollars

For many families, college is a large investment. Many families also don’t know much about the details of their school’s refund policy in the event of a medical withdrawal from school. Accidents, illness and mental illnesses can be disruptive to a students’ education, and many schools do not refund 100% of tuition after a few weeks into the semester. Tuition refund insurance can help complement a school’s refund policy if you are forced to withdraw for medical reasons.

4. Protecting Yourself on the Move

Travel is a part of life for many college students – whether it’s commuting, traveling away to school or studying abroad. There are many different types of insurance and benefits that can help students protect themselves while traveling or while away. Some protections to consider are travel insurance for trips, emergency medical evacuation if you’re traveling somewhere remote, family emergency travel protection if you’re far from home and roadside assistance if you have a car on campus. Some student benefit plans combine many of these protections in one product, like the Student Protection Plan.

How do you stay safe at school?

Other Safety

Fire Safety Tips for Students Studying Abroad

November 6, 2013
Fire Safety Tips for Study Abroad

Studying abroad is a very exciting time for most students, and more and more college students are taking advantage of this opportunity. In 2012, approximately 280,000 US students studied abroad according to the Institute of International Education. While studying internationally is a great experience for many students, it presents its own share of risks to college students. Depending on where in the world you may roam, fire safety and standards can differ dramatically from country to country. Regardless of where you travel, follow these tips for fire safety while studying abroad:

1. Recognize that fire safety standards are not the same in other countries outside the US.

While dorms and residence halls in the US are required to adhere to strict fire codes, the same cannot be said of other countries around the world. Depending on where you travel, there may not be a smoke detector in all of your building, let alone where you sleep. Do your research so you’ll be best prepared.

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Other

Summer Travel Insurance Tips

June 25, 2013

Summer break fortunately often comes with vacations. Whether you’re road tripping to the west coast, studying abroad in Spain, or enjoying the beaches of Southeast Asia, travel insurance can help make your trip a safe one.

Why should you consider purchasing travel insurance for your summer trip? Here are a few tips on what travel insurance can help you protect:

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Other

Insurance for College Spring Break

March 11, 2013
Spring Break Insurance

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, what are the plans that 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 (and possibly abroad!), here are a few plans you may want to consider to make your spring break more carefree.

Travel Insurance

Well… this one’s pretty obvious. It’s easy to skip over travel insurance and opt-out when buying your flights or booking your hotel – I mean… what are the odds that your trip logistics will get that interrupted? 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), and 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.

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