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Travel insurance

University travel insurance policy

St Andrews students authorised to study or work abroad as part of their degree programme will be covered by the University’s travel insurance policy during the academic year 2021-2022. 

If you are studying or working abroad in the academic year 2021-2022, please note the following points:

  • The University’s travel insurance now has a pandemic exclusion in it (medical costs continue to be covered). This relates to matters such as cancellation, curtailment, delay and re-arrangement. It does not apply to medical costs. It is important that you are aware of this. The University will try to help you in an emergency situation as required, but you should be aware of the limitations of insurance.
  • You should be prepared for local lockdowns and restrictions in your host destination. You must comply with these and follow local guidance and rules.
  • Wherever possible, we would encourage you to use DP&L to book travel, so we can support you with any cancellations or changes to your travel plans.

The University’s insurance provider is currently AIG Insurance - Globe Cover. Policy number: 0015901761

Insured persons:

“Any undergraduate, postgraduate or non-graduating matriculated student of the Insured undertaking approved travel within the UK and worldwide”

Cover includes:

  • Unlimited medical expenses
  • Cancellation and curtailment
  • Repatriation
  • Personal liability insurance
  • Baggage delay
  • Loss of or damage to personal belongings
  • Loss of travel documents (passport)

Excess is £100 for all claims.

For more details, please refer to our Insurance Information Sheet (PDF, 157 KB) though this list is not exhaustive.

Students should download the AIG Travel Handbook to a laptop or phone, or take a hard copy on their exchange.

Reminder: this is travel insurance, not health insurance. If you have a pre-existing medical condition, it may be in your best interest to obtain health insurance for the course of your exchange.

In an emergency, students abroad covered by the University’s policy can obtain immediate assistance by contacting Globe Cover - 24 hour 365 day access.

Telephone: +44 (0) 1273 401950 

Making a claim with AIG

Please contact if making a claim. Do not go to AIG directly. You can download the form for making a claim Insurance Claim Form (PDF, 96 KB).

Insurance at our partner universities 

Please note host universities may insist that you purchase their campus health insurance. This is common for most of our North American, Australian, and Asian partners. 

The following partners are not able to accept AIG cover and so you must purchase additional insurance (often this will be offered by the partner institution):

  • UC San Diego
  • UC Santa Cruz
  • UC Santa Barbara
  • University of Virginia
  • University of Pennsylvania
  • UNC Chapel Hill, USA
  • Purdue University, USA
  • Queen’s University, Canada
  • University of Toronto
  • Western University
  • University of British Columbia, Vancouver
  • Keio University, Japan
  • Renmin University, China
  • University of Auckland

Please note that this list is subject to change on a yearly basis and that you should check with the partner institution for full details. 

Please refer to our partner webpages for specific insurance information.

We also recommned that you download the AIG App which has helpful country guides. 

Health insurance in Europe

For local healthcare in most EU and EEA countries, the EHIC remains a valid option for cover as long as it is valid at the time of travel, or is new when travelling to certain countries.

The UK government has a new healthcare scheme - the GHIC card in operation now which will be provided for new applications in most cases and provides the same sort of cover as the EHIC. Either a valid existing EHIC, or a new EHIC or GHIC provides the cover you need, depending on the destination country - please note that there are some exceptions, in particular for Norway, Liechtenstein, Iceland and Switzerland where personal healthcare insurance may be necessary.

Full details by country are outlined on the UK government healthcare for UK nationals visiting the EU, EEA and Switzerland website. Please take care to review the specific requirements for the country to which you are travelling, noting the particular requirements for Norway, Liechtenstein, Iceland, Switzerland, Spain and Ireland. 

European Health Insurance Card (EHIC)

In the case of a no-deal exit from the EU, the EHIC card will no longer be valid for UK students. Please see our Erasmus+ website for more information on alternative provision and for the most recent information. The UK government recommends ensuring that you have travel insurance which includes healthcare cover in this eventuality. You can get quotes for different travel insurance options to see what best suits yourself and the coverage you’ll need for your time abroad.

A European Health Insurance Card (EHIC) entitles you to reduced-cost, sometimes free, medical treatment if it becomes necessary while you're in a European Economic Area (EEA) country or Switzerland. With an EHIC you'll be treated the same as an 'insured' person living in the country you're visiting. Please remember, however, that this might not cover all of the things you'd expect to get free of charge from the NHS in the UK.

Most commonly your EHIC does not cover:

  • private treatment
  • being brought back to the UK (this would, however, be covered by AIG)
  • mountain rescue services
  • cruises

This list is not exhaustive. You can consult NHS’ EHIC country-by-country guide. This will detail the medical care accessible to you in a given country while you possess an EHIC.

Please ensure that you apply for the correct EHIC. If you are a UK, EEA or Swiss national student who usually lives in the UK permanently and you are going to study in an EEA country, you will need to apply via a postal application.   

The Student EHIC – Guidelines for Placement Students

New NHS rules mean that if you are going to on a study or work placement abroad which will last more than six weeks, you must apply for a special Student EHIC. If you have a regular EHIC, it will not be valid for your placement abroad.

A Student EHIC is a special time-limited EHIC for students who are going abroad on a study or work placement which lasts over six weeks. Affected students must apply for the Student EHIC before leaving the UK.

A regular EHIC will not be valid for study/work placements in EEA countries of over six weeks.

The Student EHIC gives the same access to state-provided healthcare as a regular EHIC and is only valid for the duration of your placement abroad, as long as you intend to return to the UK at the end of the placement. To apply for a Student EHIC, you may need to include a letter from the University to declare that you are a placement student, including the details of your course, and start and end dates and address of your placement. 

To apply, you'll need to download the EHIC application form and return it to the NHS Business Services Authority – you cannot apply for a student EHIC online or over the phone. If you have any dependents, you'll also need to include them on your application. Your student EHIC will be valid for the duration of your placement abroad, and if you already have a regular EHIC you'll need to return it when you apply for a student EHIC. You should make sure to apply in good time for the Student EHIC as it is a paper, rather than online, application. 

Contact the Study Abroad team

Exchanges and Study Abroad

Outbound St Andrews Students
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Study Abroad Guide 2020 (PDF, 2,731 KB)