The benefits of insurance
Study Group have taken care to source the best providers of insurance for international students, offering you all the protection you need. From the time you set off to the moment you return home, you can be secure in the knowledge that you have a level of insurance cover second to none.
- For those studying in England: a comprehensive insurance plan administered by ACE European Group Limited
- For those studying in Australia and New Zealand: a comprehensive insurance plan administered by OrbitProtect Limited
- For those studying in the USA: an all-inclusive insurance plan administered by Specialty Risk International, Inc. (SRI)
What is included?
Below is a summary of the most important features of each policy. Please read your policy in detail to make sure that it suits your needs - if you wish to check anything before you buy your insurance, download one of the PDFs at the bottom of this page. if you still have a question, our team of advisors can help.
England
| UK / Ireland (GBP) | |
| Medical emergency and repatriation | GBP 1,000,000 |
| ACE Rescue | Unlimited |
| Travel expenses | GBP 5,000 |
| Cancellation expenses | GBP 5,000 |
| Delay | GBP 1,000 |
| Abandonment | GBP 2,000 |
| Missed departure | GBP 500 |
| Personal property | GBP 1,500 |
| Essential purchases | GBP 100 |
Australia and New Zealand
| Australia (AUD) | New Zealand (NZD) | |
| Medical expenses | Unlimited | Unlimited |
| Emergency medical evacuation | Unlimited | Unlimited |
| Dental emergency | Up to AUD 1,500 | Up to NZD 1,500 |
| Personal property | Up to AUD 15,000 | Up to NZD 15,000 |
| Loss or damage of personal documents | Up to AUD 2,000 | Up to NZD 2,000 |
| Theft of money | Up to AUD 1,000 | Up to NZD 1,000 |
| Travel expenses | Up to AUD 10,000 | Up to NZD 10,000 |
| Essential purchases | Up to AUD 200 | Up to NZD 200 |
| Missed departure | Up to AUD 10,000 | Up to NZD 10,000 |
| Cancellation expenses | Up to AUD 100,000 | Up to NZD 100,000 |
| Personal liability | Up to AUD 2,500,000 | Up to NZD 2,500,000 |
USA
| Accident and sickness medical (per injury or illness) | USD 250,000 |
| Dental emergency | USD 100 per tooth to a maximum of USD 500 |
| Personal liability | USD 100,000 per occurrence up to USD 200,000 |
| Trip interruption | Up to USD 2,500 |
| Loss of luggage | Up to USD 500 |
| Emergency reunion | USD 5,000 |
| Emergency medical evacuation | USD 50,000 |
| Assistance | 24 hours, worldwide |
How much will it cost?
Note: For 2008 our prices for insurance in the UK have been substantially reduced. There is now a simple fee of GBP 8 per week, regardless of the length of stay. See below for the new prices which are up to GBP 48.00 lower than last year.
| Period of cover | UK / Ireland (GBP) | Australia (AUD) | New Zealand (NZD) | USA (USD) |
| Up to 2 weeks | GBP 16 | AUD 91 | NZD 80 | USD 85 |
| Up to 4 weeks | GBP 32 | AUD 91 | NZD 80 | USD 124 |
| Up to 6 weeks | GBP 48 | AUD 91 | NZD 80 | USD 173 |
| Up to 8 weeks | GBP 64 | AUD 133 | NZD 120 | USD 217 |
| Up to 3 months | GBP 104 | AUD 150 | NZD 150 | USD 299 |
| Up to 4 months | GBP 144 | AUD 184 | NZD 185 | USD 371 |
| Up to 5 months | GBP 176 | AUD 209 | NZD 230 | USD 447 |
| Up to 6 months | GBP 208 | AUD 242 | NZD 275 | USD 517 |
| Up to 7 months | GBP 248 | AUD 275 | NZD 320 | USD 587 |
| Up to 8 months | GBP 280 | AUD 314 | NZD 365 | USD 657 |
| Up to 9 months | GBP 312 | AUD 350 | NZD 410 | USD 727 |
| Up to 12 months | GBP 416 | AUD 451 | NZD 545 | USD 856 |
Studying in Australia and New Zealand
If you are studying in Australia on a student visa you are required by the Australian Government to take out Overseas Student Health Cover (OSHC). This will only cover you for health-related matters whilst in Australia. StudyCare is designed to complement OSHC by providing fully comprehensive cover, over and above that offered by OSHC.
| Period of cover | Cost of OSHC (AUD) |
| 1 to 3 months | AUD 81 |
| 4 to 6 months | AUD 162 |
| 7 to 9 months | AUD 243 |
| 10 to 12 months | AUD 324 |
In New Zealand, the government also requires that all overseas students have insurance which meets their minimum requirements. Please note that Study Care will automatically be added to your invoice, but will be removed on production of documents proving your own alternative insurance arrangements, if you prefer. Please contact us if you require more information.
Download a policy brochure
For all the details of the policy, download the full document for your destination country. There are also some shorter summary documents available.
UK - full policy document (PDF, 216 KB)*
UK - summary (PDF, 48.0 KB)*
USA - summary (PDF, 71.5 KB)*
USA - brochure (PDF, 6.23 MB)*
Australia - summary (PDF, 236 KB)*
New Zealand - summary (PDF, 232 KB)*
* Note: To open the PDFs you will need to have Adobe Acrobat reader installed on your computer. This is a free piece of software which is available to download here (approx 5 MB).