Trip Protection 101: Why It’s a Smart Move for Student Travelers and Fine Arts Programs

So you’re getting ready for an epic school trip—maybe to Disney, Washington, D.C., or even abroad. You’ve been counting down the days, packing your favorite hoodie, and dreaming of everything you’ll see and do with your music and arts program.

But what if something unexpected happens before—or even during—the trip?

That’s where trip protection (aka travel insurance) comes in. It may not sound exciting, but it could save your trip and your wallet.

Let’s get into it.

What Is Trip Protection? (And Why Should You Care?)

Trip protection is like a safety net for your travel plans. If something goes wrong, it can help cover costs depending on the circumstance/s, so you’re not left stuck and completely out of pocket. Travel protection can provide coverage both before you depart and during the trip.

Here are some scenarios where trip protection MAY provide coverage:

• You get sick and have to visit a doctor while traveling (protection up to a certain limit)
• Trip Interruptions, such as getting sick, a death in the family, or breaking your ankle (protection varies)
• Your luggage gets lost or damaged, or stolen (potential reimbursement for the contents within the luggage up to a certain amount)
• Natural Disasters, such as hurricanes, cyclones, earthquakes, etc. (protection varies)
• Travel Delays or cancellations (protection varies)

*All plans require a review process, and specific benefits apply

Why Student and Group Trips Need It Even More

Traveling in a group is awesome, but it also means more moving parts—and more chances for something to go off script. And let’s be honest, we have all been there.

Here’s why trip protection is so important for student trips:

• Stuff happens. Illness, injuries, emergencies—they’re never planned, but unfortunately, can happen and derail your travel plans.\
• Parents and Guardians want peace of mind. They’re trusting the idea that the trip will be safe and smooth.
• School policies may require it. Some trips actually need proof of insurance. Check with your school district to confirm their policies before booking.
• It’s also important to keep in mind that having protection for your student and performing arts program’s instruments is crucial. Certain coverages can help protect against accidental damage, loss, or even theft while on a trip.

When Should You Get It

The best time to buy trip protection is as soon as you make your first payment for the trip. The option is typically offered during your trip registration process.

Waiting too long can limit your options—or cost you more. Be sure to speak to the protection provider for all options and fees.

How to Pick a Good Plan

If you’re looking at trip protection options for your fine arts program, here’s what to keep in mind:

• Some travel protection plans allow the purchase of plans up until the day before trip departure. However, be sure to speak with your protection provider, as this can sometimes exclude passengers from pre-departure coverage, which typically includes trip cancellation benefits. Please verify with your provider for specific details.
• Pick a provider that works with student groups.
• Look for solid medical coverage, especially if you’re going international.
• Understand what’s not covered - the fine print (like reckless behavior or missing your flight because you overslept).
• CFAR (Cancel for Any Reason) is an optional benefit that can be added to your plan. This option allows for the cancellation of your trip, which is not covered by a standard plan. Please note that this option is NOT available to residents of New York State.

Trusted Providers for Student Travel

Your trip leader might already be working with a provider (always check first), but here are a few reliable ones that fit the needs of student travel groups:

• Travel Insured International – Popular for student and educational trips.
• Travelex Insurance Services – Flexible and easy-to-understand plans.
• World Nomads – Great if your trip involves adventure or travel abroad.
• AXA Assistance USA – Affordable and dependable coverage.

Real Talk: Is It Worth It?

We get it—trip protection doesn’t sound like the most exciting part of your trip. But if something unexpectedly throws a wrench into your plans, you’ll be relieved you had it.

It’s not just about protecting your money. It’s ultimately about protecting your experience so that you can stay focused on the fun, the memories, and the adventure.

Student group travel is often full of life-changing experiences. Don’t let small mishaps prevent you or your students the opportunity to make those memories.