: To define the core components of student-specific insurance and evaluate why standard travel policies are often insufficient for long-term academic stays. 3. The Student Travel Insurance Market Analysis

: Compensation for non-refundable tuition fees if a student must withdraw due to prolonged illness or family emergencies.

The market for student travel insurance is expanding due to mandatory visa requirements and university mandates.

: Millennials and Gen Z are driving demand for flexible, modular policies that can be modified via digital platforms.

: Access to counseling and therapy, which is increasingly recognized as vital for student well-being abroad. 5. The Role of Literacy and Perceived Risk

: The globalization of B.S. degrees requires students to move across borders for laboratory research, fieldwork, and clinical rotations.

: Leading providers include Allianz, AXA, and American International Group (AIG). 4. Core Coverage Elements for Academic Travel