travel cost help for students

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Studying abroad? Here are the best international student travel insurance companies

Travel insurance can not only save students money when studying abroad, but many schools also require it..

Studying abroad is a valuable educational and cultural experience and could give you an advantage in the job market after graduation. Buying travel insurance is a way to protect yourself financially while studying abroad. 

Many international programs require travel insurance , and some offer it through a predetermined provider. But if you're on the hunt for a comprehensive travel insurance plan on your own, CNBC Select has made it a little easier. We compared dozens of top travel insurance companies for students and narrowed down the five best options that stood out for their strong coverage and affordability . (See our methodology for more information.)

Best student travel insurance

• Best overall: AXA Assistance USA Travel Insurance
• Best for medical expenses: USI Affinity Travel Insurance
• Best for trip interruptions: Travel Guard Travel Insurance
• Best for customizable coverage: Allianz Travel Insurance
• Best for students on a budget: Berkshire Hathaway Travel Protection

Best overall

Axa assistance usa travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

AXA Assistance USA offers several travel insurance policies that include travel interruption, trip cancellation, and the option of cancel for any reason (CFAR) coverage.

24/7 assistance available

• Three tiers of plans available
• Highly rated for financial strength
• Cancel for any reason only available on highest-tier coverage

AXA Assistance USA 's most basic plan, the Silver Plan, includes all of the essentials a student will likely need while studying abroad: coverage for emergency medical expenses (up to $25,000 for accident or sickness and up to $100,000 for evacuation), baggage loss (up to $750) trip interruption and trip cancellation. 

It's budget-friendly as well and is one of the most affordable yet comprehensive travel insurance plans on the market. If you're interested in higher coverage limits, AXA offers two more premium plans, one of which includes a cancel for any reason (CFAR) option. 

[ Jump to more details ]

Best for medical expenses

Usi affinity travel insurance.

USI Affinity has travel medical policies in addition to trip cancellation policies. Travel medical plans include an option for frequent travelers to cover multiple trips. Trip cancellation options include coverage for road trips and group travel.

• Wide variety of plans for both trip cancellation coverage and travel medical insurance
• CFAR only covers up to 70% of non-refundable trip costs

USI Affinity is a good choice for students primarily concerned about potential medical expenses abroad. The company offers only one trip cancellation plan but offers a wide variety of travel medical plans tailored to specific situations.

Best for trip interruptions

Travel guard® travel insurance.

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

• A variety of plans are available to help cover different types of trips
• Not all products are available for purchase online

Students who are concerned about trip interruptions should consider Travel Guard , which offers last-minute coverage. There are three base packages available online, with more options available through a representative. Its most basic plan includes typical coverage for travel medical expenses (up to $15,000 in medical expenses and $150,000 for evacuation), but robust coverage for trip cancellation, trip interruption, baggage theft as well as per-day compensation for trip delays.

Best for customizable coverage

Allianz travel insurance.

10 travel insurance plans make it possible to customize your coverage. For families, Allianz's OneTrip Prime package covers children age 17 and younger when traveling with a parent or grandparent.

• Trip cancellation benefits can reimburse your prepaid, nonrefundable trip payments if you have to cancel your trip for one of the covered reasons stated in your plan documents. 
• Limited coverage for risky sports

Allianz offers a whopping 10 different travel insurance policies. While many premium insurers offer cancel for any reason coverage that can cover up to 75% of prepaid, non-refundable trip costs, Allianz's Cancel Anytime upgrade can reimburse up to 80% of your prepaid, nonrefundable trip payments if you have to cancel your trip for one of the covered reasons stated in your plan documents. If you're planning to be adventurous during your study abroad experience, Allianz has a variety of add-ons to cover rental cars, hazardous sports and more. 

Best for students on a budget

Berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

• Wide variety of policies available
• Strong financial strength rating by AM Best
• Cancel for any reason only provides reimbursement for up to 50% of non-refundable trip payments

Berkshire Hathaway Travel Protection is a strong choice for students on a tight budget looking for strong coverage. Its most basic plan (the ExactCare Value plan) earned one of the cheapest quotes reviewed by CNBC Select and includes moderate-limit coverage for everything a student might need while studying internationally. 

More on our top travel insurance for studying abroad

AXA's travel insurance offers medical coverage for emergencies and accidents while traveling for up to $250,000. It offers three different plans for travelers starting as low as $16 according to its website.

CFAR coverage available

24/7 assistance?  

[ Return to summary ]

USI Affinity offers a number of travel plans, including travel medical plans for those traveling outside of the U.S. Its InterMedical Insurance plan has three levels of medical coverage available ranging from $50,000 to $150,000, and starts at $1.35 per day, according to the company's website.

Travel Guard Travel Insurance

Travel Guard's travel insurance could be a fit for students studying abroad with three levels of coverage. Its travel medical expense coverage can go up to $100,000 with the brand's deluxe plan.

Allianz offers several types of travel insurance for students, including its OneTrip Emergency Medical Plan with up to $50,000 in emergency medical benefits and $250,000 in evacuation benefits. Its OneTrip Prime and Premier plans offer cancellation and trip interruption benefits on top of emergency medical benefits up to $50,000.

Berkshire Hathaway Travel Insurance

Berkshire Hathaway Travel Protection offers several travel insurance plans that could be a fit for student travelers, including its ExactCare Value and ExactCare plans, offering both trip cancellation and interruption coverage in addition to medical coverage.

What does travel insurance cover for studying abroad? 

Medical expenses and emergency evacuation.

Stan Sandberg, a co-founder of the online marketplace TravelInsurance.com , said medical coverage is the most important area of coverage for students studying abroad. 

Most travel insurance plans, regardless of whether they are designed for students, cover medical expenses incurred abroad. Medical expense coverage can help to cover injuries or illnesses you may incur while abroad. Emergency evacuation coverage generally includes transportation to the nearest adequate facility or transportation home.

Travel medical coverage can exclude some situations that are relevant for students studying abroad — namely, intoxication. "If the individual is either beyond a certain intoxication level or under the influence of illegal substances, those things are very often excluded from coverage," Sandberg said. "So, a student traveling to a country that doesn't have a drinking age, for instance, that would be something to keep in mind."

Because of cultural alienation and homesickness, studying abroad can be an emotionally difficult time for many students. If you are shopping for student travel insurance, you should consider searching for a plan that covers mental health services. Read your travel policy carefully to understand the coverage offered and any requirements for coverage.

If medical expenses are the only cost you wish to insure, then you might instead consider an international health plan, which Sandberg recommends for students on a budget . 

Trip cancellation and interruption 

If your circumstances change at the last minute, you'll be grateful to have a travel insurance plan with trip cancellation coverage, which will reimburse you for your non-refundable trip costs, like flights and hotels , for covered events. 

This coverage will not, however, cover any non-refundable costs of your study abroad program, such as tuition, room and board, which are likely to be much more expensive than the flights to and from. So to Sandberg, this coverage is slightly less important for students.

Travel assistance

It's possible that studying abroad will be a student's first time out of the country. Traveling internationally , especially in areas with a language barrier, can be confusing. Many travel insurance plans, and all five policies we chose as our top picks , offer a 24/7 helpline to assist you along your journey. 

Lost or stolen baggage

Along with travel assistance, baggage loss and baggage delay coverage are examples of post-departure benefits. Study abroad programs typically last an entire semester or a summer, so you'll likely pack a lot of luggage. 

If you're traveling with valuables, you should consider searching for a plan that includes baggage insurance. Sandberg recommends reading the fine print, though, as many plans exclude electronic items in luggage and items above a certain value. 

And of course, make sure any policy is worth your money and aligns with your coverage goals before purchasing it. Many travel insurance policies offer free look periods that include time to read over the policy and cancel coverage with a refund.

What is travel insurance for studying abroad? 

For students and adults alike, travel insurance is a flexible type of coverage designed to protect you when you're far from home. By purchasing a policy, you can prevent financial hardship related to international medical expenses or travel mishaps like interruptions, delays and lost luggage. Some premium travel insurance plans offer cancel for any reason (CFAR) coverage, which allows you to recoup some of your expenses should you cancel your trip for any reason.

Is travel insurance worth it for studying abroad?

Travel insurance is a wise investment for travelers who will be abroad for a while, including students studying abroad. Most domestic medical plans do not cover international hospital bills, so in case of an emergency, having travel insurance with medical expense coverage could be crucial.

How much does travel insurance cost for students studying abroad?  

Travel insurance costs vary depending on the length of the trip, the age of the travelers and the extent of the coverage. You can expect to pay around 4% to 10% of your trip's total cost, according to travel insurance comparison site InsureMyTrip . Keep in mind though that your trip's "total cost" does not include the cost of your study abroad program itself. Most travel insurance companies are only interested in the cost of flights and non-program lodging like hotels. The best way to estimate the cost of insuring your trip is to get quotes from multiple companies.

What is international health insurance?

International health insurance is a health coverage plan that covers your medical expenses anywhere in the world. An international health insurance plan provides very similar medical coverage to that provided by a travel insurance plan.

Do I need travel insurance if my credit card has it already?

Some of the best travel credit cards on the market provide some travel protection. For example, the  Chase Sapphire Reserve®  card offers trip cancellation and interruption insurance up to $10,000 per covered person up to $20,000 per trip, travel accident insurance, emergency evacuation insurance and coverage for baggage delays and loss. Ask your issuer if your card has any travel protection benefits. If not, or if the coverage is minimal, you should consider purchasing travel insurance from a third party.

Bottom line

Not only is it a smart idea to purchase travel insurance to study abroad, but it is also required by a lot of international programs. With travel insurance, students can worry less about the unexpected and make the most of their experience abroad. If your academic program does not have a pre-existing partnership with a certain provider, then consider using one of these top travel insurance companies for students. 

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Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every travel insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best cheap travel insurance.

Our methodology 

To determine the best travel insurance companies for students studying abroad, CNBC Select analyzed dozens of U.S. travel insurance companies that come with a wide variety of policies and offer coverage for a number of situations. 

When narrowing down the best travel insurance companies, we focused on the coverage available, including the number of plans available, 24/7 assistance availability and cancel for any reason (CFAR) coverage availability. We also considered financial strength ratings from AM Best and Better Business Bureau ratings for customer satisfaction.

To consider costs, we gathered quotes from the top travel insurance companies for four sample trips, which included:

1. A semester-long (January 15 to June 15) study-abroad trip to the United Kingdom:

• $3,000 per person (flights to and from JFK and non-program hotels)
• New York residents
• Traveler aged 20

2. A summer (June 15-August 15) study-abroad trip to Italy:

• $2,000 per person (flights to and from JFK and non-program hotels)

Sample quotes assumed that payments were made on the date of quoting.

Note that the premiums and policy structures advertised for travel insurance companies are subject to fluctuate in accordance with the company's policies.

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A Detailed Student’s Guide to Maximizing Travel Opportunities

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When To Book a Flight: The Basics From Barron’s

Travel maximizing: 4 simple tips to get you started, student travel discounts: membership cards to explore, student exchange programs: earn credits and experience a different culture, student travel points or rewards: establish your credit while you travel, student discount flights: apps and alerts that make it easy, student volunteer opportunities: learning and giving at the same time, no hotel necessary: affordable options for student travelers.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

If you’re like most young people today, you may have the time to travel the world, but you probably don’t have the money! This is why it’s important to maximize your travel opportunities by seeking out the best advice and using some great tools and resources.

The problem is, this process can be complicated, time-consuming, and confusing. The daunting task of learning about all those promotional codes, plans, and programs plus all the different redemption rules and credit card bonuses can be a real drain on your time!

Instead of throwing your hands in the air and giving up, here are some resources to help you quickly and efficiently pull it all together.

The travel gurus at Barron’s Next are often asked about the best time to book a flight. Although the variables are many and often change due to outside factors (like bad weather and mechanical issues), here are the basic rules:

• The Tuesday Rule : Each Monday, airline officials return to work and look at how well seats sold over the weekend. They use that data to determine that week’s seat prices. By Tuesday, most airlines know what their competitors are charging, so they adjust their fares to make their prices more attractive. Prices slowly go back up to their peak by Friday afternoon.
• The Inventory Rule : Seat availability and demand for a specific flight schedule also drives ticket prices. A limited number of available seats (or “inventory”) means higher prices. This means ticket prices before big holidays like Christmas or school vacations, for example, are going to sell for top dollar.
• The Technology Rule : Prices also rise and fall in real-time thanks to technology. The airlines now use computer data to keep a closer eye on changes in seat demand and make their price adjustments accordingly.

Ian Snyder, author of the Points, Miles & Life travel blog has long used reward miles and points to discover the world with his wife. He recommends these 4 tips to get the right start with travel maximizing:

• Have a goal in mind . Have a specific plan or trip in mind, like exploring Europe with your fiance or seeing Rome . Look for the best cards to help you meet those goals.
• Start slowly and build up as you learn . Start with 1 or 2 cards to learn more about points, rewards, and loyalty programs.
• Know your own situation . Not everyone is a good candidate for travel maximizing because there is so much to learn. You may want to start using a simple card with a cash-back plan instead of a rewards card with annual fees, for example.
• Do your homework . Don’t choose a card simply because someone recommends it. Make sure the card you choose is a good fit for your own needs and goals. Look at the various programs to find the one that will help you follow through with your plans.

Here are some student cards you can sign up for to receive travel discounts in the U.S. and abroad:

• International Student Identity Card (ISIC) : The ISIC Association has provided students across the world with internationally-recognized proof of their student status since 1953. With an ISIC card, it’s easy for you to get student discounts, even when traveling abroad. The site breaks down benefits by region, type, and travel purposes.
• International Student Exchange Card : The ISEC gives you exclusive access to discounts and benefits. One of the unique perks of the ISEC is that you can combine it with a Visa Checkcard . In the Travel section of the website, you can discover special airfares, hostel booking, and SIM card services for ISEC holders.
• Student Advantage Card : The SA card gives you discounts with travel providers and major retailers. On the Students page , you can view the discounts you will be eligible for when you get your card. You can use your discounts for both online and offline purchases. Unlike the ISIC and the ISEC, the SA card is meant for use within the U.S. or on U.S. websites. Nevertheless, the many discounts you get from travel and leisure providers makes this card attractive for saving money on travel.

In a recent article on his travel blog “The Expert Vagabond,” Matthew Karsten described his trip to the White House for a summit on government initiatives to promote student learning, volunteering, and working abroad. The goal is to make exchange programs easily accessible and affordable for students of all backgrounds.

According to statistics, just 10% of today’s U.S. college students will study overseas. The following are the benefits of student exchange programs:

• Enhances your resume and improves job opportunities
• Helps you learn another language
• Promotes personal growth and development
• Allows you to acquire new skills
• Enables you to create friendships and fond memories
• Breaks down stereotypes and opens your mind
• Teaches the ins and outs of a new culture
• Gets you college credits and perhaps even an income

At the summit, they announced the creation of the government Study Abroad Office, which is part of the list of resources you can explore:

• Study Abroad Office : This website contains a huge amount of U.S. government resources for students and parents, including student exchange programs and scholarships.
• National Student Exchange (NSE) : Since 1968, this non-profit organization has offered student exchange opportunities to over 113,000 students through 170 accredited universities in the U.S., Guam, Canada, Puerto Rico, and the Virgin Islands.
• International Student Exchange Programs (ISEP) : Since 1979, this non-profit organization has been helping students discover study abroad opportunities in more than 50 countries and over 300 universities. They offer study abroad guides, travel alerts,  country handbooks, communication help, health insurance assistance, and student visa information.

Due to a lack of credit history, many students are unable to receive the most advantageous travel points cards. Here are some travel-friendly credit cards you may qualify for that can help you establish your credit, so you can start earning points and rewards:

• Chase Freedom Flex℠ :  The Freedom Flex card is considered to be an effective starter card for college students. That’s because there is no annual fee, and holding a Chase card gives you the opportunity to transfer points to more rewarding cards once you qualify later on. For example, you can transfer the points you earn with a Freedom Flex card to the Chase Sapphire Preferred card, which is considered one of the best cards for racking up travel points and rewards. Using your Chase points for max value is a step you don’t want to rush!
• Understanding and Building Your Credit Score: The Guide for College Students : This guide is our complete overview of credit cards and building credit. It includes a Travel Benefit Resources section that explains credit card points, airline miles, and hotel loyalty programs.

Hot Tip:  For more information, check out our article on The Best Student Credit Cards And How To Find Special Card Offers . 

There are lots of resources for students who travel. To begin, here are some websites and apps where you can find travel deals; some will even send you an alert when prices drop!

• Google Flights : Although they don’t sell airlines tickets, they can find the best deals and give you the final cost without any hidden charges. An app is available for Android users. Read our detailed guide on Google Flights here.
• STA Travel : STA Travel is a large student-focused travel agency offering discounted flights, hotel bookings, ground transport, insurance, and tours. The Student Hub is useful for students who want to explore different types of travel experiences like volunteering, gap years, and working abroad.
• FareCompare : Provides travel planning tools, alerts, and fare comparisons.
• StudentUniverse App : Dedicated to serving students with good travel deals, they offer a mobile app that can help you find discounted bookings for flights, hotels, and tours.
• Hopper : This award-winning app has a 95% accuracy rate for predicting the best times to book flights or wait.
• Skyscanner App : The Skyscanner app for Android and iOS alerts users when ticket prices to their dream destinations go down. Users can ask Skyscanner to find the cheapest month for travel, which allows visitors to plan future trips based on the lowest-cost destinations and dates.

For even more info, check out these websites for cheap student flights and these websites and apps for last-minute travel deals.

Hot Tip:  For many more travel resources, apps, and great sites to use, check out our highly detailed resources series where all the research is done for you!

Volunteering abroad is a great opportunity for students, since they often have the time to take these extended trips and can defray costs by launching fundraising campaigns. The volunteer organizations listed below all offer fundraising support for budget-conscious students:

• Peace Corps : Founded in 1961 by President Kennedy, the Peace Corps offers many programs for college students to pair their studies with service. Volunteer opportunities include education, youth in development, agriculture, economic development, health, and the environment.
• ISVolunteers : This website features opportunities for students who want to volunteer in countries such as Costa Rica, the Dominican Republic, South Africa, Australia, New Zealand, and Thailand. Volunteers have special access to fundraising assistance , which can partially or completely cover the costs of the trip. The company’s flagship program is a unique 4-week trip that combines 2 weeks of volunteering with 2 weeks of adventure touring. Students can also opt to take only the 2-week volunteering leg. High school students can participate in a trip to Thailand tailored for younger participants. The website explains their volunteer activities and adventure activities in further detail.
• Volunteer Forever : This website is a marketplace for various volunteer abroad programs, both large and small. Students can apply to volunteer abroad, work abroad, or intern abroad. In addition to providing a place to discover numerous trips abroad, Volunteer Forever also provides a well-developed platform for raising funds to pay for programs and travel expenses. By using the website’s tools to launch a fundraiser, students can completely finance their overseas travels. The organization also runs 2 small scholarship campaigns per year to contribute to travel funds for selected volunteers.
• Cross-Cultural Solutions : This organization has existed for 2 decades, providing support for volunteers to assist in countries including Thailand, India, Guatemala, Tanzania, Peru, Morocco, and Ghana. Volunteers provide social services such as teaching, support for people with disabilities, health services, and many other types of assistance. The CCS website provides a detailed description of what it’s like to be a CSS volunteer . Students can pick trips from 1-12 weeks in length, and the extensive Funding Tool explains 6 different ways travelers can finance their trips.
• WWOOF : This international organization connects volunteers with organic growers to build a “sustainable, global community” by promoting educational and cultural experiences. Volunteers live with hosts while helping with daily farm tasks. Farmers host volunteers who want to support the organic farm movement.

Hot Tip:  If volunteer travel sounds like your cup of tea, don’t miss UP’s article dedicated to the topic: The Ultimate Guide to Volunteering Abroad and Volunteer Travel . 

Although hostels have been around for years now, finding them has never been easier, thanks to the latest mobile apps. When booking a hostel or other alternative form of accommodation, be sure to look at the profile and reviews of the host. In addition, be sure to check the website or app’s verification system, if there is one. Here are some well-known (and not-so-well-known!) accommodations for student travelers:

• Hostelworld : This website/app specializes in hostel bookings but doesn’t charge any booking fees, making it more affordable to use than other booking platforms. The site has a huge collection of reviews, enabling student travelers to know exactly what they’re in for when they grab a cheap hostel spot.
• Airbnb : Airbnb is a peer-to-peer accommodation service and app that enables student travelers to find high-quality accommodations at a fraction of the cost of hotels. Because Airbnb hosts often offer weekly and monthly discounts, students who take extended vacations can get even better deals. Students should check out the secret Airbnb Sublets page dedicated to discounted monthly rentals.
• Couchsurfing : Couchsurfing is not a traditional accommodation booking site or app. Instead, it is a community of hosts and travelers whose primary goal is to meet new people. Hosts provide modest, free accommodation in exchange for being able to meet interesting travelers.
• Farm Stays : Unlike WWOOF, you stay at a farm, but don’t have to pitch in with the daily work. Prices vary, but will be similar to staying in a bed and breakfast. Farm Stays is also in app form, but stays are only available in the U.S. , U.K. , and Australia at this time.
• Monastery Stays : This website can help you find monasteries to stay in at an affordable price; some only ask for donations or are completely free. Although the accommodations are bare bones, they are quiet and offer meals prepared by the nuns or monks. Some great stays include Scotland, Australia, Israel, Italy, California, and France.

Hot Tip:  You’ll definitely want to check out our article on the best websites for student discounts on hostels and hotels .  Also, our accommodation resource list is a must for those looking for apps and sites that will help you find an accommodation in your price range easily and quickly. 

As a student traveler, you have many options. Start with a plan, a credit card or 2, and go from there! You’ll be surprised where your dreams and your travels will take you.

The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

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About Alex Miller

Founder and CEO of Upgraded Points, Alex is a leader in the industry and has earned and redeemed millions of points and miles. He frequently discusses the award travel industry with CNBC, Fox Business, The New York Times, and more.

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Student Travel Insurance Benefits

Study-abroad and student travel programs are an incredible opportunity for young people to experience the wide world. But as any chaperone can tell you, there's always one student who misses the plane, loses their passport or ends up in the hospital after eating bad pineapple. What will you do if it's your son or daughter?

Three Things You Need To Know Before Buying Student Travel Insurance

School travel coordinators will do their best to help, but what you really need is a student travel insurance  policy that includes emergency medical services coverage and trip cancellation coverage . Whether your student is embarking on domestic travel or a long international vacation , you need to get student travel insurance first. Here are the three reasons why.

1. Student travelers take more risks.

Sometimes, the thrill of studying abroad erases young travelers' good judgment. They may leave their bag on the beach while snorkeling, only to find someone has stolen their passport. Or they may sprain an ankle while learning to dance the Merengue. It's all part of the adventure - and it's okay, as long as they have student travel insurance.

Look for a student policy that includes things like medical coverage, trip interruption coverage, emergency medical evacuation coverage, 24/7 travel assistance services and more.

2. In an emergency, student travel insurance may provide valuable guidance.

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3. Student travel insurance gives you peace of mind.

It's hard enough to wave goodbye to your daughter before she boards an international flight for the first time. Do you really want to be worrying about her every minute she's overseas? A student travel insurance policy lets you know she's covered in case the unexpected happens. Look for a policy that offers coverage for illness, accidents, lost baggage, missed flights, theft or other international emergencies. Make sure you review your insurance plan carefully before you buy, because not all plans offer the same coverage.

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• College Study Abroad
• College Study Abroad Blog

2 Best CIEE Travel Grants for College Students

September 5, 2023

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If you’re planning for a study abroad adventure, chances are you’re starting to get organized and assess what needs to be done ahead of your travels. And one of the most important steps: Exploring your study abroad scholarship and grant options .  

Let’s dive in as we discuss two of the best CIEE travel grants for students like yourself and learn more about how you can make your study abroad dream a reality!  

GAIN Travel Grant  

CIEE’s GAIN Travel Grant is part of our need-based scholarship offerings based on students’ Estimated Family Contribution (EFC)* from their Free Application for Federal Student Aid (FAFSA) at their enrolled institution.  

This travel grant helps students with their travel costs to and from their study abroad or internship program destination ( up to $1,500 for semester and quarter programs , and up to $500 for summer and single block programs ).  

Any student with an EFC below 10,000 is guaranteed to receive this grant, while those over 10,000, will still be considered post-deadline. Important to note: The deadline for this grant is October 15 for spring programs and April 1 for summer and fall programs.   

The steps to apply for the GAIN Travel Grant are super simple:  

• Step 1: Students upload their FAFSA Student Aid Report 
• Step 2: Submit a CIEE Scholarships and Grants application by October for spring programs/April 1 for summer and fall programs

This is an incredible opportunity for students to receive some extra assistance with their travel costs!  

Trailblazer Grant  

Also part of our travel grants is the Trailblazer Grant, which is considered in our third category of scholarship offerings, deemed “other,” based on specific study abroad programs. This particular grant is awarded to students who travel on a new 2024 spring , summer , or fall study abroad program with CIEE.  

CIEE offers many qualifying spring, summer, and fall programs for this specific travel grant that span several countries including:  

• England  
• Estonia  
• France  
• Scotland  
• Italy  
• Spain  
• Greater China  

Make sure to check out each of the specific study abroad programs and cities on our Trailblazer Grant page .  

Students may receive up to $1,500 in the form of a flight voucher for their eligible CIEE program and, like our other scholarship and grant options, the steps to applying are straightforward. Once you’ve decided on your new 2024 spring, summer, or fall program, all you’ll need to do is the following:   

• Step 1: Fill out the form to receive details about your flight voucher 
• Step 2: Select one of our qualifying programs  
• Step 3: Start your CIEE application   

The Trailblazer Grant is a simple way to gain some extra assistance with your study abroad travels!  

Travel Grant FAQs  

While the application process for our travel grants and travel scholarships is relatively straightforward, we’re sure you have some questions. And we don’t blame you! It can seem like a complicated process and it’s all brand-new information.  

We’ve compiled some of our most frequently asked questions about our travel grants and answered them!  

What is a travel grant?  

Starting with the very basics, a grant is a non-refundable endowment given by an individual, organization, or government department for a specific purpose linked to public benefit. Travel grants – in the case of studying abroad – are awarded to students from a non-profit organization, (that’s us: CIEE), to assist students in their international education. And the public benefit is robust – creating global citizens who will make the world a better place (that’s you)!  

It’s important to note that travel grants aren’t just awarded to students. For example, researchers can apply for travel grants to expand their studies, and many other instances.  

Do scholarships cover travel expenses?  

Yes! Some of our travel scholarships cover travel expenses, but some are specific to program fees. For example, while the GAIN Travel Grant helps cover travel costs, the Gilman Go Global Grant helps cover semester program fees. Take a close look at each of our offerings on our scholarships and grants page to best understand what type of aid covers specific aspects of your study abroad program and travels.  

Read More: Study Abroad Scholarships: Everything You Need to Know    

How do I ask for travel funding?  

As the question implies, simply asking for travel funding is perfectly acceptable!  

We always have CIEE staff available to help point you in the right direction. As we’ve mentioned, exploring our scholarships and grants page is a great place to start, as well as consulting with your on-campus study abroad office; they might have some additional travel grants and scholarships related to your specific institution. Your academic advisor might even be able to provide some helpful resources.  

What’s important to note is that there are a lot of different places and people to look to for help with travel funding, and CIEE is another wonderful resource to support you and help make your study abroad program affordable and accessible.  

How to apply for a travel grant?  

As we’ve mentioned, applying for a travel grant with CIEE is simple! On your CIEE application, make sure to fill out the scholarship and grants portion. And if you have any questions, we’re happy to help!  

Studying abroad is possible with the many different travel grants and scholarships available – check them out today!  

EXPLORE TRAVEL SCHOLARSHIPS   

Get Your Grant Today! 

Now that you know our two travel grant offers for studying abroad, as well as answers to commonly asked grants questions, we encourage you to check out our 200+ study abroad program offerings and find one that best suits your interests! 

*Note: EFC (Expected Family Contribution) is being replaced by SAI (Student Aid Index) for the 2024-2025 FAFSA cycle. Due to unexpected FAFSA delays during the transition, CIEE will accept the 2023-2024 FAFSA (EFC) or the 2024-2025 FAFSA (SAI) for Fall 2024. For students who provide the 2023-2024 FAFSA (EFC), we will continue to guarantee GAIN Travel Grants to those with EFCs of 10,000 or less. For students who provide the 2024-2025 FAFSA (SAI), we will guarantee GAIN Travel Grants to Pell Eligible students. Applications must received by the April 1st deadline for the guarantee. Students with high need should still apply even if they do not meet the criteria noted above.

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Traveling on a Student Budget? You Need This Budget Planner

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Traveling on a student budget isn't easy. Airfare, room and board, and study abroad tuition can be a big barrier to education abroad and student travel in general. The rewards, however make it all worthwhile. Your time studying abroad doesn’t have to break the bank and, depending on the destination and program, it could be economical. Your dollar goes a lot further in places like Thailand and Costa Rica, than in most North American cities. With some planning and saving you can go abroad, build new relationships, and experience new ideas and ways of life. 

Having international experience on your resume can set you apart when you’re ready to start looking for a job. In today’s globalized market so many employers, in all sectors, are looking for candidates with international experience and intercultural sensitivity. With a travel budget planner, you can better prepare for the experience of a lifetime. If you’ve never used a trip budget worksheet, read on to learn how to use our budget travel tool.

Download Your Student Travel Budget Planner / Worksheet Now

The truth about budgeting for travel.

To be honest, budgeting for travel isn’t easy. For one, many people are out of practice with hard-and-fast budgeting for any upcoming expenses. When your car breaks down or other unexpected expenses loom out of the blue, it can be very tempting to dip into your travel savings rather than make other adjustments to your daily expenses / cost of living. “Luxury” expenses like travel are all too easy to prioritize behind “necessary” expenses. 

But hear us out. Travel is no longer a LUXURY. Pushing your comfort zone and building empathy for our greater global community is an investment in your future. If we could all be so fortunate as to learn more deeply about ourselves and our own culture through the guise of travel, the world could be better off.

Luckily, GoAbroad’s student travel budget worksheet can help! A travel budget worksheet will ensure you keep track of the many expenses associated with international travel that you need to consider and include in your budget. Having a visual of your income, spending, and saving can help you wrap your head around what you need to reach your goal. Wondering where to find such a trip budget worksheet? Look no further than GoAbroad’s trip planner budget template!

Download our travel budget planner for students below!

List your income, savings, debt, and even your goals all in one place. Writing things down keeps you accountable and organized. By writing down your expenses, you can get a better idea of where your money is going. It sounds like a lot: organizing, tracking, holding back the urge to buy those cute new boots. With this worksheet, we think you’ll have this student travel budget planning under control.

How to use our travel budget planning resource

Our student travel budget planner is set up for monthly budgets. It might be easier to manage your finances in shorter time frames, versus semesters, trimesters, or years. Start with what you know. The first question is, if you’re traveling with an organized program, what does your tuition or program fee cover? This is extremely important as it will inform the rest of your planning and saving.

1. List Your Income

In the income section, add in all of the credits that your bank account receives on a monthly basis. This can be from your part time job, your full time job, your babysitting gig, your side hustles (teaching English online, anyone?). Whatever earnings you’ve got, put them down here. 

Add them all up and this is the number we are working with from the get-go.

Not as high / as much as you’d hoped? Consider getting a part time job or finding other ways to bring in additional cash. Nothing wrong with asking for a loan from the Bank of Wealthier Family Members or for a cash-advance on birthday or holiday presents.

2. Add Your Savings

If you already have a savings account, insert the numbers here that represent how much money is currently sitting in it. If you don’t have a savings account yet, now is a GREAT time to consider opening one (and setting up automated transfers to it—but we’ll get to that later).

Another key part of this section is to estimate your ideal savings goal. Is it $5,000? $10,000? More? You don’t need to pull this number out of thin air—you can estimate the cost of your program and travels first.

How to Accurately Estimate Your Travel Costs

While there are countless different opportunities for student travel out there, the types of expenses you’ll need to consider when budgeting for travel shouldn’t vary too wildly. 

Here are the basic travel expenses / cost categories to consider:

• Passport and visa(s)
• Program fees/tuition
• Housing/Accommodations
• Food (don’t forget to consider snacks and beverages in addition to meals)
• In-country transportation (this can include local city transport and regional travel)
• Project supplies (textbooks, notebooks, pens, work gloves, flash cards, etc.)
• Travel insurance
• Activities and sightseeing

If you can’t figure out what is covered in tuition or a program fee online, reach out to the program provider or university. While you’re at it, ask them what they think your average costs might be. Reach out to alumni of your program, because who better to give you advice than someone who was already there. As program alums they may already be expert travel budget planners. Read up on your destination online. Find out what an average day in your destination costs according to other travelers. 

And here are a few resources to help you make more accurate travel cost estimates:

• Estimate Your International Internship Costs
• How to Understand Your Study Abroad Fees
• Breaking Down the Cost of TEFL Certification
• Volunteering Abroad: Costs, Fees, & How to Fund It
• Your Teach Abroad Start Up Costs

3. Do You Have Debt? Don’t Leave It Out!

If you’re already in the red (*shakes fist at student loans*), be sure to calculate into your student travel budget planner how much you need to set aside monthly to continue paying down those costs. If you’re a pro planner, you will incorporate your monthly payments into your budget savings goal (so that you can still stay on top of your payment schedule even while globetrotting).

4. Outline Your Monthly Expenses

Car payments, phone payments, food budget, fun budget. Whatever you spend monthly, add your expenses categorically to the left hand column. Be sure to update this regularly as the value of your budget projection vs. actually spent will likely vary over the month. You can use an app like Mint to streamline your expense management even more easily. Don’t leave any expenses out if you can, otherwise your budget planning is for nought! 

5. Identify Some Savings Goals

It’s one thing to say “I’m going to save up for my travels abroad.” It’s another thing to dig deep and specify exactly what you’re saving up for. Try to have separate, mini-goals for tangible expenses in your travels, like your airfare or enough to cover the cost of a new travel backpack . Maybe you’re obsessed with coffee and want to buy a new Aeropress . Maybe you want to have your first month’s rent and deposit already taken care of before you set foot abroad. Having smaller goals will make accomplishing your big savings goal feel even more feasible and within reach. You got this!

5 helpful student travel budget apps

Don’t worry, you don’t need to be a financial wizkid to be a budgeting wizkid. There’s an app for that! Actually, there are a few. 

1. Mint: Personal Finance & Money

Mint brings together all of your bank accounts, credit cards, and bills. If it’s all in one place, your finances are easier to keep track of. You can also create a more customized budget worksheet with Mint. We know the GoAbroad one is beautiful, but we also understand you may need need to create your own, more specialized budget to supplement ours. 

2. GoodBudget

Set up envelopes for your various categories of expenses, and allocate a certain amount to each. An app like GoodBudget takes some of the day to day decision making out of saving because you’ve already decided how much you will allocate to each category of expenses.

Digit analyzes your spending habits and determines the right amount of money for you to put aside each day. The app automatically sends that money from your checking account to your savings account so you don’t have to worry about it. By analyzing your habits and accounts everyday, Digit is never transferring more money than their extremely intelligent algorithm thinks you can afford. Digit is automatic, personalized savings.

4. Trail Wallet

Budgeting and saving does not become less important once you start on your journey. Apps like Trail Wallet help you keep track of your expenses while you are on the road, so that you can continue to be smart about your spending habits. Add Trail Wallet to your smart phone to make budgeting on the go a cinch.

5. Moneycado

Did you ever wish you could have a digital piggy bank for travel? Well, now you can! Check out Moneycado, the first-ever savings account created solely to help you pay for travel. This app can help you stay on track with built in savings plans and projected trip itinerary costs. It’s your one-stop-shop… without the shop… to help you manage your student travel budget.

A few more tips to help you cut down travel expenses

• Use currency converters and flight-booking apps. If you’re booking your own flights and accommodation, consider travel hacking apps and websites that direct you to more budget-friendly options and promotions. Pay attention to currency conversion rates with an app too. It’s important to know how far your dollar can go, and there are several apps that will give you real-time conversion information. Being able to quickly look at the currency conversion can also keep you from overpaying for something. Three Euros might not sound like much, but is that apple really worth $4 USD?
• Apply for scholarships. You can also check out GoAbroad’s Database of Scholarships and Financial Resources for more suggestions on how to fund your international adventure. You’ll be amazed at how many funding sources and scholarships are out there. Have you spoken to the financial aid office at school? Find out if there are specific grants or scholarships for study abroad. Maybe your financial aid package can cover some study abroad costs.
• Over-budget. If you save more than you need from the get-go, you’ll have extra funds to cover one-off splurges on weekend trips or extra souvenirs. You might even save a little to have handy when you (eventually) return from abroad?!
• Make some cuts. Consider cooking more and eating out less. Do you have old clothes and books you can sell to a second hand store? Choose pot luck dinners and game nights over nights out on the town with friends. Are you at school? Consider applying for a work study job or another part-time gig at your university to supplement your savings. Save your loose change (it really adds up!). You’ll be amazed how much you can save by making small changes to your everyday routines. 
• Find accountability partners. Writing it all down in your travel budget worksheet will help. Writing down your goals will help you remember why you’re working so hard to save, and will keep you accountable. Consider sharing your travel budget worksheet with a friend or family member so they can help you stick to your plans too. If you know some of the other students you will be traveling with, share tips and information since you all have the same goal. Compare trip budget worksheets to make sure you didn’t leave anything out.  

Affordable travel is not impossible!

Start planning—and saving for—your dream trip abroad.

The idea of creating a budget and sticking to it can be stressful. With some planning, organization, and diligence, traveling abroad doesn’t have to be a financial burden though. We’ve shared a few good ideas for budgeting for travel and saving, but with a little research you can find several tips and plans to suit your needs. Start planning ahead of time to make sure you are fully prepared before you leave. Finances do not have to be a barrier to international travel so fill out that student travel budget worksheet and start saving!

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Travel Insurance for Studying Abroad: 2024 Student Guide

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Molly Corry is an English literature graduate, travel writer and PR professional specializing in travel advice. Based in Leeds, England, when she is not writing, she enjoys attending dance classes and exploring new travel destinations to get inspired for her next piece of content.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Securing a place on a study abroad program is a wonderful achievement. But amid the excitement of becoming an international student, remember to develop an insurance plan to protect yourself from any unexpected circumstances while you’re away from home.

Buying travel insurance for your extended stay overseas is a helpful way to give yourself and your family members peace of mind while you’re gone. In this article, we cover all you need to know to find the best travel insurance policy while studying abroad.

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Should I Get Travel Insurance to Study Abroad?

Study abroad travel insurance serves as a safety net for international students during their time out of the U.S. Being in a foreign country, navigating unfamiliar healthcare systems and support networks can leave anyone feeling vulnerable. And it’s rare that anyone takes such a life-changing adventure in a foreign country with the thought of mapping out where the local health providers are and whether their medical coverage supplies financial reimbursement for doctor bills. That’s what makes a short-term study abroad health insurance policy so valuable.

Study abroad travel insurance primarily safeguards students against unforeseen situations like lost luggage, accidents or medical emergencies, providing them (and their parents) with a source of comfort through the duration of the journey.

With this coverage in place, international students are financially shielded against potential circumstances that could have a huge impact on their experience, allowing them to focus on their studies and enjoy their time abroad.

Benefits of Study Abroad Travel Insurance

Study abroad travel insurance delivers a range of valuable benefits for international students. Here are some key advantages to consider.

Medical Coverage

With study abroad health insurance, your medical expenses will be covered if you suddenly fall ill or get injured during your time away from home. This includes the cost of treatment, prescription medications, doctor’s appointments, overnight stays and emergency medical services.

Emergency Medical Evacuation

Your insurance will cover the cost of evacuation to the nearest appropriate hospital or medical facility if you have a serious medical emergency . You will receive the necessary care at no expense.

Repatriation

Study abroad insurance coverage also extends to repatriation, especially for an emergency evacuation. If you experience a severe illness, the insurance coverage will arrange and cover the expenses for a return home. This is also true if you suffered a fatal accident while overseas.

Coverage for Pre-Existing Conditions

Some international health insurance policies also cover pre-existing conditions . This means that medical expenses related to health issues you had prior to your trip will be included in your policy’s coverage. You will want to declare any pre-existing medical condition you have to your insurer before buying the policy.

24/7 Support

Study abroad international travel insurance gives students access to round-the-clock services like helplines. Whether your issue is a health-related concern or a travel query, you can rely on the 24/7 support offered by your insurance provider to help you.

Coverage Considerations for Students

As you explore different coverage options and the most suitable insurance policy for your study abroad experience, pay special attention to the following areas within the policy. You want to make the plan makes sense for an international student in several areas.

Healthcare Costs

Research the cost of healthcare services in the destination you plan to visit. Look at how much emergency services and hospitalization are. Then assess if the medical coverage limit of your insurance plan is sufficient.

Duration of Coverage

Your insurance plan should span the full duration of your study abroad program. Make sure the start and end dates match your full trip. If there’s a chance you could extend your trip, ensure your policy follows suit.

Pre-Existing Health Conditions Personal Liability Coverage:

Be mindful of any specific requirements or circumstances you may have, such as pre-existing health conditions or the need for mental health services. Ensure that your international student needs are covered by your policy.

Personal Liability Coverage

Check if the insurance policy includes personal liability coverage, which protects you if you accidentally cause harm to someone else or damage another person’s property. Personal liability coverage also often includes the cost of legal help.

Travel Document Protection

Look for insurance coverage that protects your travel documents. This ensures you’re covered if your passport , visa or identity cards get lost or stolen during your study abroad time.

Study Abroad Insurance vs. Regular Travel Insurance

Several key distinctions exist between travel insurance and study abroad coverage. The latter protects you for an extended period of time, but regular policies are designed for short business trips or vacations.

The medical care insurance included in the study abroad insurance policies covers events like repatriation and emergency medical evacuations . It often also covers pre-existing conditions, but you must tell your carrier about them before you buy the policy.

Study abroad insurance policies typically include specialized coverage tailored to educational travel. It can encompass tuition and fees, study interruption, academic materials and liability in academic-related situations such as internships , research and extracurricular activities.

You’ll also find that student travel insurance often offers added services specifically beneficial for students. It can include 24/7 access to an emergency assistance helpline, legal aid and support with issues specifically related to studying in a foreign country.

Finding the Right Study Abroad Travel Insurance

Navigating the process of finding the right study abroad travel insurance policy may initially seem like an impossible task, but with careful consideration and research, you can make an informed choice. One crucial aspect to focus on is understanding the exclusions outlined in travel insurance policies.

By doing so, you can ensure that your key needs and requirements are within the coverage scope of your travel insurance plans. It’s also important to have a clear understanding of the deductibles associated with the policy.

An insurance deductible refers to the amount of money you must pay before your insurance coverage comes into effect. Picking a higher deductible can lower your premium costs, but it also means you’ll be accountable for a larger part of expenses before your coverage begins.

Lastly, take time to research and evaluate the reputation of insurance providers. Read third-party reviews, check ratings and look for online feedback from previous customers. Learning from the experiences of past and current policyholders will allow you to gain valuable insights into the quality of service and make an informed decision on whether a particular international student insurance policy is a fit for you.

The Bottom Line

After successful enrollment as an international student, explore the health coverage and insurance options for your upcoming journey. Setting off to study in a foreign country can seem intimidating, but with the right student health insurance by your side, you can embark on your academic journey with confidence. You’ll be prepared for unforeseen circumstances and equipped to make the most of your valuable time as an international student.

Frequently Asked Questions About Study Abroad Travel Insurance

What is the cost of travel insurance.

The cost of travel insurance varies greatly depending on a range of factors such as the destination you’re heading to, how long you’ll be away, the coverage limits in place and the age of the traveler. The price can sit everywhere from ten to several hundred dollars per day.

Do you need health insurance to study abroad?

For those heading overseas for educational purposes, the need for medical insurance depends on the destination and the specific educational institution or program they will be joining.

While it may not be a mandatory requirement in all cases, having adequate medical coverage is strongly recommended as a precautionary measure.

How much is health insurance in the USA for international students?

The cost of health insurance in the U.S. for international travel depends on the duration of your stay and the kind of coverage you want. On average, the price sits somewhere between $500 to $1,000 per year.

How do I plan a semester abroad?

Organizing a semester abroad can be a lengthy process. You will want to begin your search early to give yourself enough time. Different academic programs have varying levels of flexibility regarding the courses you can take and the sequencing of those courses.

It is crucial to evaluate whether the courses offered in your desired study abroad program align with the curriculum of your major.

If you have questions about this page, please reach out to our editors at [email protected] .

More Resources:

How to Travel as a Student (Even If You’re Broke!)

This article may contain affiliate links, meaning I may earn a small commission if you purchase through these links at no extra cost to you. Please refer to my Disclosure Policy for more information.

Table of Contents

College. A time of limited funds, cheap food, and stressful all-nighters. While school is a time for education, I find that one of the best ways to learn is by traveling. And, believe it or not, there are many ways you can travel as a student , even if you don’t come from a filthy rich family (as many people presume) .

I won’t say I wasn’t privileged in my ability to travel as a student. I was able to live at home throughout my university degree (even though my 1.5 hour commute killed me) , which did save me a lot of money. But I also worked hard and saved money for years to afford my travels, and I want to share some of my tips (and more) with you today.

Without further ado, let’s begin!

My Experience as a Traveling College Student

Before I provide you with all the best tips and tricks on how to travel as a student, I first want to share my own experiences.

Now, to preface this, I worked a lot in high school. And I barely spent any of my income. While I wasn’t intentionally saving up to travel, I had no interest in buying anything, so all the money I had made from my part-time jobs was simply building up in my bank account.

So, after my first year of college, I decided to take the leap with my high school savings, and spent a month backpacking Europe on my own . It was my first solo travel experience, and it was beyond incredible. I walked a portion of the Camino de Santiago, relaxed on the Algarvian beaches of Portugal , toured several cities in Spain including Seville and Barcelona , and went to an Eddie Vedder concert in Berlin.

However, I maintained a strict budget to keep my backpacking cost low. I rarely ate out, never drank alcohol, spent most of my time walking everywhere , and booked the cheapest hostels.

Later that summer, I embarked on another trip, taking a small vacation to Oahu with a couple of friends. While Hawaii has a reputation of being expensive, we also traveled as cheaply as possible , staying in hostels, not drinking (we weren’t even of legal age in the US yet), and sticking with free activities like hiking .

Nevertheless, it was amazing.

I traveled two more times during my university degree (other than the occasional weekend getaway from Vancouver ): I spent one reading break (a one-week vacation in February) visiting a friend in Montreal. For that trip, I was able to keep costs low by crashing on her couch and walking around Montreal .

I also spent over a year saving for another spectacular solo backpacking trip, this time around Asia . With stops in Vietnam , Cambodia , Thailand , Japan , and even a few days in Hawaii, I loved every minute of it.

Overall, I have never regretted the sacrifices I have made for travel. And, if you’re planning on traveling as a college student as well, I hope you feel the same way!

Want to learn more about my travel itineraries ? Click here for my 5-week Southeast Asia travel itinerary ! Or click here to see how I spent 5 weeks in Europe !

The Different Ways You Can Travel as a Student

Now, onto the reason why you clicked on this article. What are the best ways to travel as a student?

Study Abroad

Now, the most obvious answer to this question is to study abroad! While I personally never did a semester abroad, I wish I had.

Studying abroad, whether for a semester or a year, is an amazing way to visit new places and travel as a college student, while simultaneously working towards your degree. With most universities offering study abroad programs, doing a study abroad is also very accessible.

That’s not to say studying abroad is cheap. The costs can add up, with flights, visas, and accommodations bearing a heavy price tag. However, depending on where you currently live and where you’re planning to study abroad, you may end up paying an equal amount of money to travel, or even less.

Overall, my advice for those who wish to study abroad is to plan ahead (especially in regards to your courses!), choose your destination wisely, start saving money early, look into several college student travel programs, and research financial aid and scholarships!

Semester at Sea

Similar to doing a study abroad, you can also sign up for the Semester at Sea program . Accredited through Colorado State University, doing a Semester at Sea is like doing a semester abroad, but more unique, as you live aboard a ship sailing to multiple destinations (across multiple continents).

As incredible as this experience sounds, it isn’t cheap. The Semester at Sea cost is around $27,000 to $33,000 USD for room, tuition, health insurance, and food. Adding in the costs of flights, visas, textbooks, vaccinations, and more, and you’ll probably pay around $36,000 to $41,000 USD for a semester. Ouch.

So, while there are several scholarships offered, doing a Semester at Sea may be one of the programs only available for the wealthy traveling college students. But hey, if you know of a way to do it without amassing a large pile of debt, let me know!

Volunteer Abroad

Another way you can travel as a student is by volunteering abroad. While there are many programs out there, quite a few of them are corrupt (especially in regards to volunteering in developing countries). So, I recommend researching the programs well before applying.

Nevertheless, there are three big organizations perfect for volunteering abroad: WWOOF , Workaway , and Worldpackers .

First, one of the biggest volunteer abroad programs is WWOOF (World Wide Opportunities on Organic Farms), where you work on a farm in exchange for room and board.

There are some great advantages with using WWOOF, as they offer opportunities to volunteer all around the world. Additionally, as a WWOOFer, you are given the opportunity to form in-depth connections with locals, providing you with a more educational experience, perfect for college student travel.

However, there are some cons to using WWOOF. For instance, as each WWOOF organization is separate and independent from one another, you have to pay separate sign-up fees for each country.

Additionally, some WWOOF farmers do exploit you for free labor (I personally considered signing up for WWOOF Japan , but read concerning reviews in regards to this phenomenon). My recommendation is to research the WWOOF volunteer opportunities well, and to choose a farmer with stellar reviews!

Overall, WWOOF is a great option for those keen on traveling the world on a budget.

Another trustworthy organization to consider is Workaway .

An international program, Workaway connects you with a host who offers room and board in exchange for work, whether it be working on a farm, hostel, construction, English lessons, etc. With an easy-to-navigate website and tons of volunteer opportunities, Workaway is definitely worth checking out!

Worldpackers

Finally, the last organization I’m going to recommend for volunteering abroad is Worldpackers .

A trustworthy platform connecting you with hosts around the world, you once again exchange your labor and skills for accommodation. With opportunities to teach English, work on a farm, do general labor, become a nanny, and volunteer in a hostel, Worldpackers is one of the best places to find hosts.

Thinking of traveling within the US ? I recommend visiting New Orleans! If you want to learn more, read my 3-day New Orleans itinerary .

Work Abroad

While volunteering abroad is a great way to travel the world on a budget, you can also take it one step further, and actively make money while traveling! There are a many different ways to work abroad , each with their own advantages and disadvantages.

These options include:

Working Holiday Visa

First, you can get a working holiday visa. With the ability to spend up to one year working and living abroad, getting the visa is the perfect way to spend a gap year, or your summer vacation!

With many countries offering working holiday visas, from Australia, Canada , the UK, Denmark, France , Hong Kong, Japan , New Zealand, Argentina, and more, your travel options are truly endless.

If you’re looking for a more specific job position, consider becoming an au pair! The perfect role for those who love children, an au pair is someone from overseas who takes care of a host’s children and a few household chores, in exchange for room, board, and some extra cash.

While this job isn’t for everyone (especially me… I’m not great with kids) , becoming an au pair can be a great way to travel, learn about the lives of locals, and make a bit of money.

Couchsurfing

Now, if you’re not keen on studying, volunteering, or working abroad, there are still ways to travel as a student. For one, you can try Couchsurfing .

While I’ve personally never couchsurfed, Couchsurfing.com is a massive platform that essentially offers free accommodations for budget backpackers around the world. Simply put, the site is filled with friendly people, offering travelers a place to stay in their homes.

But Couchsurfing offers a lot more than just a free bed. It offers cultural exchanges, allowing you to immerse yourself into the lives of local people. It allows you to make new friends, form new connections, and learn insider tips on the destinations you’re visiting.

Overall, I definitely recommend looking into Couchsurfing if you want to save money on accommodation, and love meeting new people. But, to stay safe, I recommend only choosing hosts with stellar reviews.

Pet/House-Sitting

Another way to receive free accommodations (while simultaneously spending quality time with adorable animals) is by house-sitting!

Perfect for long-term travel (say, a summer vacation), house-sitting is when you watch over someone’s house (and pets) in exchange for free accommodation.

In my opinion, house-sitting is the best way to travel as a student. With the ability to explore one area in-depth, live like a local, save lots of money on accommodation, and cuddle with an adorable animal, what more can you ask for?

I use (and definitely recommend) TrustedHousesitters .

Thinking of traveling within the US ? I recommend exploring Washington State! If you want to learn more, check out my article on the best day trips from Seattle .

How to Save Money for Travel

While I’ve listed all the ways you can travel as a student, from couchsurfing, house-sitting, and studying, working, and volunteering abroad, that still leaves the cost of traveling. No matter what, taking that vacation is still expensive, with the costs of flights, visas, vaccinations, and souvenirs adding up.

So, if you’re wondering how to travel the world on a budget , keep reading for my best travel tips!

Buy Your Airplane Tickets at the Optimal Time

While this may not be possible, I highly recommend buying your tickets early, but not too early. Before you get too irritated, let me elaborate.

While there is some debate on the best time to buy airplane tickets, the general consensus is this: for domestic flights (within the US ), it’s best to purchase 76 days before departure. However, this number does fluctuate per season (for instance, it’s usually best to book a summer vacation 99 days in advance).

In regards to international flights, the best time to purchase fluctuates per destination, but in general, I recommend buying tickets at least 3 months in advance.

Some additional tips for booking flights is to search for flights on incognito mode. Additionally, be flexible with the day you depart (as this can greatly impact the cost). And, while some say it’s best to book on a Tuesday, I find that this isn’t always true. I recommend checking the prices of the flights daily to find the best bargain.

Select Your Destinations Carefully

While this may seem obvious, I have to say it: some destinations are way more expensive than others.

By choosing your destinations wisely, you can save heaps of money on travel. And while you may be bummed you can’t go on that skiing trip in Switzerland or take that luxury vacation to Dubai, you’ll be shocked at how beautiful some of the cheapest backpacking destinations are.

My recommendations for the most inexpensive and best places to travel as a college student are the following:

• Southeast Asia : With some of the cheapest Asian destinations, I especially recommend visiting Indonesia, the Philippines, Vietnam , Laos, Thailand , and Cambodia (especially the Angkor Wat ruins in Siem Reap !).
• Eastern Europe : If you’re wondering how to travel on a budget in Europe, I recommend visiting locations like the Ukraine, Bulgaria, and Romania.
• Central America : Filled with beautiful locations, I definitely recommend checking out Mexico, Guatemala, and Nicaragua.
• South America : Overall, it’s very easy to travel South America on a budget, especially if you visit countries like Bolivia, Columbia, Ecuador , Chile, and Peru.

Create Free Stopovers

The best way to travel to multiple destinations at no extra cost is to create free stopovers.

I personally did this on my flight from Japan to Canada . Once I noticed that the cheapest flight included a layover in Honolulu, I decided to extend that stopover (at no extra cost) to three days, and spent that time hiking the North Shore !

So, if you notice your flight has a layover, try extending it, and spend that time exploring a new destination. It’s one of the best hacks for traveling in college!

How to Save Money While You Travel as a Student

Finally, let’s talk about how you can travel on a budget, so you can stretch your limited funds as far as possible. While I have already written an article on how to travel without breaking the bank , here’s a summary of my best budget travel tips:

• Use Student Discounts : One of the biggest perks of traveling as a student are the student discounts. From museums, art galleries, attractions, and more, always make sure to check for student discounts!
• Find Cheap or Free Activities : One of the reasons why I love hiking and walking around new cities is because they’re free. By opting for the free or cheap activities, you can save a lot of money by the end of your trip. (And hey, if you’re a beginner hiker looking for some tips, click here for my article on the 15 essential beginner hiking tips! ).
• Avoid Eating Out : While it’s okay to splurge on some delicious local food every once in a while, constantly eating out can really add up. By buying your own groceries and cooking your own food, you can save a lot of money in the long run!
• Skip the Drinks : Even more expensive than constantly going to restaurants are opting for the alcoholic drinks. Once again, it’s totally fine to splurge every once in a while, but if you really want to stretch your dollar, it’s best to skip them when you can.

• Use Public Transportation (or better yet, walk !)
• Book Overnight Transportation : A way to combine transportation and accommodation, booking an overnight train, bus, or airplane can help you save some money (perhaps at the expense of your comfort).

While travel may seem like an impossibility while you’re still in school, there are so many ways to find cheap vacations for college students! All in all, I hope this article inspired and helped you figure out new ways to travel.

Thanks for reading the article! If you have any questions, feel free to comment down below, and if you want to see more travel and hike-related content, make sure to check out my other articles.

Photos by Mia and Pixabay.

Planning a trip to Vancouver, and wondering what to do for free? Click here for the best Vancouver hikes , and here for the best hikes near Vancouver ! Or if you want to see within the city, click here for the ultimate (free) walking tour around Vancouver !

About to embark on a trip? Here are some helpful articles to make your trip as awesome and stress-free as possible:

• How to Travel Without Breaking the Bank
• 15 Things to Do Before a Trip

And here are some additional helpful links:

• Click here for my walking tours
• Click here for my hiking guides
• Click here for more resources

Like this post? Share it!

Mia is the founder of Walk a While with Me, a travel blog dedicated to sharing the best self-guided walking tours, travel itineraries, and hikes for destinations around the world. A keen traveler, she has visited more than 20 countries in the past six years. She is excited for you to follow along on her adventures!

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Good guide to travel for students! thanks

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Bank of America Travel Rewards Card for Students: Good Credit Required

It's an OK pick if you can meet the credit requirements. But if that's the case, you can likely already qualify for a better card. And if not, other student credit cards are easier to get.

• No annual fee.
• New cardholder bonus offer.
• Intro APR period.
• Requires good/excellent credit.
• Best rewards limited to certain customers.

18.24%-28.24% Variable APR

0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%

Rewards rate

Bonus offer

• 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.

Ongoing APR

APR: 18.24%-28.24% Variable APR

Cash Advance APR: See Terms

Penalty APR: 29.99%, Variable

Balance transfer fee

3% for 60 days from account opening, then 4%

Foreign transaction fee

• Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
• Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
• Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Compare to Other Cards

Detailed review: Bank of America® Travel Rewards credit card for Students

In theory, the Bank of America® Travel Rewards credit card for Students offers a lot of value for cards in its class. Students looking for their first credit card might be wowed by the $ 0 annual fee, the lucrative sign-up bonus, the long 0% introductory annual percentage rate period and the decent rewards for everyday spending.

The problem is, this card requires at least good credit to qualify ( FICO scores of 690 or higher), meaning it'll be inaccessible for many students with limited credit history.

If you can already clear that FICO hurdle, you might qualify for any number of better (nonstudent) cards. Alternately, even if you have thin or less-than-ideal credit, plenty of other student credit card options are available, many of which will be easier to qualify for.

» MORE: What's the easiest credit card to get?

The Bank of America® Travel Rewards credit card for Students is nearly identical to the nonstudent version of the card, the Bank of America® Travel Rewards credit card . Both cards require good credit or above. Check out our guide to all four of Bank of America®'s student credit cards.

Bank of America® Travel Rewards credit card for Students : The basics

Card type: Student .

Annual fee: $0

Sign-up bonus: 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.

1.5 points per $1 spent on purchases.

3 points per $1 spent on eligible travel booked through the Bank of America® Travel Center.

(Cardholders can qualify for the Bank of America Preferred Rewards ® program, which adds a multiplier to the everyday 1.5 points per $1 you’d earn. But to qualify, you need at least $20,000 in a qualifying Bank of America® account. For most students, that required account balance will make this benefit unattainable.)

Redemption: Points are worth 1 cent apiece when redeemed for a statement credit against travel or restaurant purchases, or 0.6 cents apiece for cash. There is a minimum redemption of 2,500 points for travel or cash. Points can also be redeemed for gift cards at varying values depending on the retailer.

Interest rate: 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4% .

Foreign transaction fee: None .

Benefits and perks

Simple ongoing rewards.

Simplicity is a key feature of the Bank of America® Travel Rewards credit card for Students . You'll earn 1.5 points per $1 spent on nearly all purchases with no cap. That makes this card perfect for students with other things to worry about than bonus categories.

But if you’re an optimizer, you might do better with the Discover it® Student Cash Back , which earns 5% cash back on up to $1,500 in spending per quarter in categories that rotate every three months. (Activation is required; all other purchases earn 1% back.)

» MORE: See Discover's current 5% bonus categories

Sign-up bonus

The Bank of America® Travel Rewards credit card for Students comes with a big sign-up bonus, especially for a student card, and that can help defray any number of costs you might incur while on campus. But remember, many students won’t qualify because of the credit score requirements. 

If you’re a student looking to earn a sign-up bonus on a card that will be easier to obtain and help build your credit report, consider the Capital One Quicksilver Student Cash Rewards Credit Card . It offers the same ongoing earnings rate, along with the following sign-up bonus: Earn $50 when you spend $100 in the first three months.

» MORE: Best credit card bonuses for new cardholders

0% intro APR offer

The introductory APR offer on the Bank of America® Travel Rewards credit card for Students is a stellar promotional period for a travel card, let alone a student card. This might provide some peace of mind to students looking to finance a purchase like textbooks or a new laptop. Just remember, you’ll still have to pay the minimum balance due every month. And if you pay your balance in full each month, you’ll never have to worry about interest charges anyway.

» LEARN: How to avoid credit card interest

No proof of student status required

Though the Bank of America® Travel Rewards credit card for Students is marketed toward students, it's one of the few student cards that don't require proof of enrollment at a college or university. Other student cards will require more documentation. 

» LEARN: Do you have to be a student to get a student credit card?

Drawbacks and considerations

Good credit score required.

Despite being geared toward students, the Bank of America® Travel Rewards credit card for Students requires good to excellent credit to qualify. That won’t be possible for many students who are shopping for their first credit card. But don’t worry; other student credit cards have less-stringent credit score requirements. In fact, some such cards — like the Discover it® Student Chrome or Chase Freedom® Student credit card — may not require an established credit history at all.

» LEARN: What to do when you’re denied a student credit card

Other cards have better earning potential

For qualifying students who want a no-hassle entry into earning credit card rewards, the Bank of America® Travel Rewards credit card for Students will work fine. But for optimizers who are OK with managing their card, there may be better options. For example, the Capital One SavorOne Student Cash Rewards Credit Card offers an uncapped 3% cash back on dining, entertainment, streaming services and grocery purchases, along with the following sign-up bonus: Earn $50 when you spend $100 in the first three months. And this card will be easier to qualify for than the Bank of America® Travel Rewards credit card for Students .

This $0 -annual-fee card requires at least fair credit (FICO scores starting at 630), so it may be easier to qualify for. It earns 3% cash back on dining, entertainment and eligible streaming services and at grocery stores. Other purchases earn 1% back.

How to decide if it's right for you

The Bank of America® Travel Rewards credit card for Students would be competitive with other student cards if the requirements for approval were similar. But because of the card's credit score criteria, students without an established credit history will want to look elsewhere. And if you do have the credit history to qualify for this card, you can likely find one with a better sign-up bonus and ongoing rewards.

• The best credit cards of 2024
• Best travel credit cards
• Best rewards credit cards
• Best cash back credit cards

Methodology

NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards (including earning rates and redemption values) and the cash value of benefits and perks. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Learn how NerdWallet rates credit cards.

About the author

Craig Joseph

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Late Tuesday, a group of about 200 counterprotesters began storming the pro-Palestinian encampment on campus and tried to pull apart its wooden pallets and metal barricades. The two sides threw objects, got into fistfights and sprayed chemicals in clashes that went on for several hours, according to a New York Times journalist who was there.

Police officers arrived to chants of “Back the blue” from counterprotesters and “Free Palestine” from the encampment. At around 3:30 a.m., officers wedged themselves between the groups, quieting the unrest.

The clashes followed several violent confrontations between pro-Palestinian and pro-Israeli protesters on the campus in recent days. Dueling protests have been particularly intense at U.C.L.A., where Jewish activists have had a larger presence than at other campus demonstrations. On Monday night, a fight broke out between two groups of protesters after about 60 pro-Israel demonstrators attempted to enter the pro-Palestinian encampment.

It was not immediately clear who was responsible for the violence on Wednesday morning.

The university had been among the most tolerant as pro-Palestinian protests and encampments grew at universities nationwide. But in a sharp turn on Tuesday, U.C.L.A. administrators declared that the encampment there was unlawful and threatened to suspend or expel any protesters who were students.

Videos posted to social media show clashes on Wednesday involving protesters, firecrackers exploding near groups of demonstrators and people spraying what appeared to be chemical irritants at one another. Some people were also seen tearing down metal barricades surrounding the encampment.

The U.C. Divest Coalition at U.C.L.A., which has been organizing pro-Palestinian protests at the university, said on social media on Wednesday that students at its encampment had been attacked by “fireworks, tear-gas, pepper spray and more.”

“Horrific acts of violence occurred at the encampment tonight, and we immediately called law enforcement for mutual aid support,” Mary Osako, a vice chancellor at the university, said in an emailed statement early Wednesday.

“The fire department and medical personnel are on the scene,” she added. “We are sickened by this senseless violence and it must end.”

The Los Angeles Police Department said that there had been “multiple acts of violence within the large encampment” on the campus. In response to a request from the university, the police officers were assisting campus police and other agencies “to restore order and maintain public safety.”

Ms. Bass had spoken to both Gene Block, the university chancellor, and Dominic Choi, the Los Angeles chief of police, according to a social media post by Zach Seidl, Ms. Bass’s chief spokesman. Ms. Bass said in a later post that “the violence unfolding this evening at UCLA is absolutely abhorrent and inexcusable.”

John Yoon is a Times reporter based in Seoul who covers breaking and trending news. More about John Yoon

Yan Zhuang is a Times reporter in Seoul who covers breaking news. More about Yan Zhuang

Jonathan Wolfe is a senior staff editor on the newsletters team at The Times. More about Jonathan Wolfe

Our Coverage of the U.S. Campus Protests

U.C.L.A.:  Administrators at the University of California, Los Angeles, called in law enforcement officers  after violent clashes broke out between pro-Palestinian demonstrators and counterprotesters.

Columbia:  Dozens of pro-Palestinian demonstrators were arrested as police officers entered Columbia’s main campus and cleared Hamilton Hall of a group who had occupied the building .

Brown:  In a rare deal, demonstrators dismantled their encampment at Brown after university leaders agreed to discuss divesting funds from companies connected to the Israeli military .

Portland State:  With wood pallets piled at the entrance, dozens of pro-Palestinian activists have been holed up in the university’s library. Here’s a look inside the makeshift fortress .

U.N.C.:  Pro-Palestinian demonstrations at the University of North Carolina at Chapel Hill turned chaotic  after dozens of students were detained for refusing to leave an encampment.

Tuesday is a key deadline for student loan relief. Here’s what you need to know.

Some consolidated federal student loans will be eligible for significant relief under a new plan by the biden administration.

The deadline to consolidate federal student loans to qualify for the Biden Administration’s latest effort at loan cancelation is fast-approaching.

Here’s what you need to know.

What is student loan consolidation?

Student loan consolidation is combining multiple loans into one loan with a fixed interest rate. That means the interest rate remains the same for the duration of the loan, which could potentially lower the monthly payment amount . Once the loan is consolidated, borrowers make a single monthly payment, rather than making payments for several different loans.

The new loan is known as a Direct Consolidation Loan.

Why is student loan consolidation important?

By consolidating their loans, some student loan borrowers can qualify for full debt cancelation or receive credit toward loan forgiveness. Eligible borrowers include: people who are on an income-driven repayment plan or were in the past; people in the Public Service Loan Forgiveness program; or people with Direct or Federal Family Education Loan Program loans held by the Department of Education.

The plan is part of a current initiative by the Department of Education to lower or eliminate payments for some borrowers. The Department is conducting a one-time adjustment to loans this summer, which means more than 3.6 million borrowers could see their loan balances reduced or eliminated entirely.

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The Department of Education expects all adjustments to be made by July 1.

The initiative is part of the Biden-Harris Administration’s long-running and controversial efforts to reduce student loan debt for millions of Americans. After a broader student-debt relief plan was shot down by the Supreme Court last year, the Administration has approved $146 billion in student debt relief through other methods, according to the White House .

How much will it cost?

There is no cost to consolidate the student loans into one loan.

When is the deadline?

Tuesday, April 30.

It takes at least 60 days to process a Direct Consolidation Loan application and to disburse the new loan, according to the Department of Education.

How do you apply for student loan consolidation?

Borrowers can login to their Federal Student Aid Account here to submit an application. Most people can complete the process within 30 minutes with necessary information regarding current loans and personal details, according to the Federal Student Aid office.

For additional assistance, the Federal Student Aid Information Center can be reached at 1-800-433-3243.

What loans need to be consolidated?

The following federal loans must be consolidated in order to be eligible for the one-time loan adjustment: commercially-held Federal Family Education Loan, Parent PLUS loans, Perkins loans, and Health Education Assistance Loan Program loans.

What else do I need to know?

Parent PLUS loans that are managed by the Department of Education with at least 25 years or 300 months of repayment will automatically be cancelled through the one-time adjustment.

People who have already received forgiveness or paid off their loans are not eligible for a refund of prior payments.

What other student loan initiatives are in place?

The Biden-Harris Administration has a multi-step plan in place focused on student debt relief. They first extended the student loan repayment pause that was set in place during the pandemic, enabling borrowers to delay their payments until October 2023. Their second plan, which would have eliminated $20,000 in debt for Pell Grant recipients and $10,000 for non-recipients, for individuals with incomes of less than $125,000, was rejected by the Supreme Court last year.

The Administration recently announced a new plan to cancel the debt of more than four million borrowers and provide more than 10 million borrowers with at least $5,000 in debt relief. The proposed plan, aimed at lower and middle-class borrowers, would cancel out the unpaid interest accrued on many student loans, eliminate student loan debt for those who have been in repayment for more than 20 years, and cancel student loans debt for those with financial hardships or who attended a low-value college.

Esha Walia can be reached at [email protected] .