Global Educational Tours planning desk, Boston · Updated August 2026
Travel insurance · Student groupsStudent-group cover through Travel Insured International. Medical care, evacuation, cancellation and a 24-hour assistance line, with the dollar limits printed on this page. A quote doesn't require a trip booking.
Travel Insured International · No trip booking required
We send every family to Travel Insured International. Policies are underwritten and administered there; we do not process, manage or pay claims. Their A.M. Best rating is “A” (Excellent). The Student Protection Plan is written for school groups, which is why the medical and evacuation limits sit where they do.
Global Educational Tours does not process, manage or pay out insurance claims. See Terms & Conditions §7 for the exact wording.
A student who gets a fever on a domestic trip is a clinic visit and a call home. A student who gets a fever in Rome, without a policy, is a credit-card conversation at 11pm. That is the practical reason we send families to Travel Insured International.
The plan does not make the trip safer. Supervision, ratios and a duty phone do that. What it does is keep a medical bill, a missed flight or a cancelled departure from becoming a second crisis on top of the first. Honest limit: the base plan pays only for reasons the policy lists. If a family wants to cancel because a sibling's tournament moved, they need Cancel For Any Reason, bought at the initial deposit. New York residents cannot buy it.
Reassurance isn’t a feeling. It’s a list you can read.
Every card below shows the benefit, the limit from the Student Travel Protection schedule, and the condition that has to be met before it pays. Limits sit next to the trigger.
If a student falls ill or is injured while abroad, eligible medical costs are covered.
In practice: a student develops a high fever in Rome and is seen at a local clinic. Accident & Sickness Medical Expense responds up to the schedule limit.
If local care isn’t adequate, the plan covers moving the traveler to a facility that is.
In practice: emergency evacuation to adequate medical facilities when necessary, arranged with the assistance team, not by the group leader alone.
Recover non-refundable costs if the tour must be cancelled for a covered reason.
In practice: covered reasons include illness, severe weather, or other unforeseen events as defined by the policy.
If the tour is cut short after it starts, interruption benefits help cover the unused portion and the way home.
In practice: a traveler has to return home mid-tour for a covered reason and the group continues without them.
Long airport waits stop being your problem to fund.
In practice: once a delay reaches the 6-hour threshold, reasonable additional costs are reimbursable at $250 per day up to the limit.
If a connection is missed and the group has to be re-routed, there is a benefit for it.
In practice: a delayed first leg means the transatlantic flight is gone. Missed Trip Connection responds once the 3-hour threshold is met.
Protection for personal belongings, educational materials, and equipment against loss, theft, or damage during the tour.
In practice: a bag is lost in transit. Baggage & Personal Effects responds up to $1,000, with a per-article cap of $250.
Round-the-clock access to multilingual assistance for medical referrals, emergency cash transfers, travel arrangements, and more.
In practice: a chaperone calls at 3am local time and gets a human who can find a clinic, translate, and coordinate.
Every travel insurance policy has exclusions: situations it does not pay for. We are not going to summarise them loosely, because a loose summary is worse than none.
What to do: the binding list of terms, conditions, exclusions and rates is in the Student Travel Protection specification sheet. Read it before you buy. If a specific situation worries you, ask us and we'll point you to the exact clause.
An optional upgrade that lets a traveler cancel without needing a covered reason, but only inside a tight set of conditions.
The conditions, in full: available when purchased within the time-sensitive period; cancel no later than 48 hours before scheduled departure; recovers up to 75% of non-refundable trip cost; not available to residents of New York State. Additional costs and terms apply.
Figures above are the Student Travel Protection schedule highlights shown in full below. Coverage by Travel Insured International. Terms, conditions, and exclusions apply.
Highlights from the Student Travel Protection plan. Full terms, rates, and exclusions are in the specification sheet.
Available when purchased within the time-sensitive period. Cancel no later than 48 hours before scheduled departure and recover up to 75% of non-refundable trip cost. Not available to residents of New York State. Additional costs and terms apply.
Four situations parents and organizers ask about most. Choose one and walk through what happens, step by step, and which benefit is doing the work.
Illness abroad is the number-one worry, and it's the scenario the plan is built around.
Worldwide Emergency Assistance is included in the plan. Multilingual help for medical referrals, emergency cash transfers and travel arrangements, around the clock.
Accident & Sickness Medical Expense responds to eligible costs for illness or injury abroad: up to $50,000.
Emergency evacuation to adequate medical facilities when necessary. Medical Evacuation & Repatriation: up to $250,000.
Trip Interruption may apply to the unused portion of the tour: up to 150% of trip cost.
Two separate benefits cover two separate problems: waiting, and re-routing.
Trip Delay carries a 6-hour waiting period. Missed Trip Connection carries a 3-hour one. Note the time the delay began.
Trip Delay: up to $2,500, paid at $250 per day. Keep every receipt: meals, a hotel, transfers.
Missed Trip Connection: up to $500 once the 3-hour threshold is met.
Worldwide Emergency Assistance is included, and our own team is reachable on +1 802-377-3311.
Delayed and lost are handled differently, and the per-article cap is the number people miss.
Get the carrier’s written reference before leaving the terminal. It is the document every claim starts from.
Baggage Delay: up to $300 for essentials while you wait.
Baggage & Personal Effects: up to $1,000, with a $250 per-article limit. Personal belongings, educational materials and equipment are all in scope.
Because of the per-article limit, expensive single items are worth carrying on rather than checking.
This is where the difference between the standard plan and the CFAR upgrade really shows.
If yes, Trip Cancellation recovers non-refundable costs: up to 100% of trip cost. Covered reasons include illness, severe weather, or other unforeseen events as defined by the policy.
Cancel For Any Reason is optional and must be purchased within the time-sensitive period. It cannot be bolted on later.
With CFAR, cancel no later than 48 hours before scheduled departure and recover up to 75% of non-refundable trip cost. Not available to residents of New York State. Additional costs and terms apply.
Insurance and the booking’s cancellation terms are two different documents. Read Terms & Conditions §6 for the binding cancellation and refund policy.
These walkthroughs are illustrative examples using the schedule limits above. Whether any specific claim is payable is determined solely by the policy wording issued by Travel Insured International.
The single most common misunderstanding: claims are handled by the insurer, not by us. Knowing that on day one saves days later.
“All insurance claims must be submitted directly to Travel Insured International. MTH LLC and/or its brands does not process, manage, or pay out insurance claims.”
Terms & Conditions, §7You do: call the 24/7 assistance number printed on the policy documents. Worldwide Emergency Assistance is included in the plan.
On our side: our own operations line, +1 802-377-3311, is reachable too, for the trip itself, not the claim.
You do: receipts, the airline’s delay or lost-baggage reference, clinic invoices, and the dates and times things occurred.
On our side: we can confirm the booked itinerary and departure details you’ll be asked for.
You do: submit directly to the insurer, using the policy number from your confirmation.
On our side: we do not process, manage or pay out claims, but we'll point you to the right route if you're stuck.
You do: respond to any request for further documentation.
On our side: if you want to understand a clause before you buy, email info@globaleducationaltours.com and we'll find it with you.
People conflate these constantly. They are separate agreements with separate rules, and only one of them is insurance.
This is between you and Global Educational Tours. It sets out deposits, deadlines, what is refundable and what is not, and how to submit a cancellation in writing. It is binding, and it is written out in full. We don’t paraphrase it here on purpose.
This is between you and Travel Insured International. If a cancellation reason is one the policy covers, Trip Cancellation recovers non-refundable costs up to 100% of trip cost. If the reason isn’t covered, the optional CFAR upgrade is the only route back to a partial recovery.
Where this page and the Terms & Conditions differ, the Terms & Conditions and the insurer’s policy wording govern. Additional costs and terms apply to CFAR.
Worldwide Emergency Assistance is included in the plan: round-the-clock access to multilingual assistance for medical referrals, emergency cash transfers, travel arrangements, and more. And our own line is a real one, answered by our team.
For an in-progress emergency abroad, call the 24/7 assistance number on your policy documents first. It is the line that can authorise care. Use ours for the trip, and for questions before you buy.
Local time where our groups travel. Assistance doesn’t keep office hours.
No scare stories. Just the same four situations, described twice. The right-hand column isn’t a disaster; it’s simply you, arranging and funding it yourself.
| Situation | With cover | Without cover |
|---|---|---|
| A student is ill or injured abroad | Accident & Sickness Medical Expense responds to eligible costs: up to $50,000. | Care is arranged and paid for privately, by the family, at the time. |
| Local care isn’t adequate | Medical Evacuation & Repatriation: up to $250,000, coordinated with the assistance team. | Transport to a suitable facility has to be organised and funded independently. |
| The tour is cancelled for a covered reason | Trip Cancellation recovers non-refundable costs: up to 100% of trip cost. | Recovery is limited to whatever the booking’s own policy allows (Terms §6). |
| A traveler cancels for a reason the policy doesn’t list | Optional CFAR recovers up to 75% of non-refundable trip cost, if bought within the time-sensitive period and cancelled at least 48 hours before departure. | Only the booking’s cancellation terms apply (Terms §6). |
| A bag is delayed 24 hours | Baggage Delay: up to $300 for essentials. | Replacement essentials are an out-of-pocket cost. |
| 3am, a chaperone needs help | Worldwide Emergency Assistance is included: multilingual, round the clock. | The group leader works it out locally, in the local language. |
The Student Protection Plan covers medical costs up to $50,000, evacuation up to $250,000, and cancellation for listed reasons up to the trip cost. Open the specification sheet if you want the exclusions in the same sitting.
Coverage by Travel Insured International. Terms, conditions, and exclusions apply.
Short answers here. The full library (pricing, safety, life on tour) lives on the FAQ page.
All FAQsYes. We partner with Travel Insured International. We strongly recommend coverage, including Cancel For Any Reason (CFAR) where available. CFAR must be purchased at the time of the initial deposit.
No. You can price a policy through the Travel Insured International agency portal at any time. If you're traveling with us and want CFAR, timing matters: it has to be purchased within the time-sensitive period, at the initial deposit.
The insurer. All insurance claims are submitted directly to Travel Insured International; Global Educational Tours does not process, manage, or pay out insurance claims. We can help you find the right route and confirm your itinerary details. See Terms & Conditions §7.
In the Student Travel Protection specification sheet. That document holds the full terms, rates and exclusions, and it governs. The schedule on this page shows the headline limits only. If a particular situation matters to you, ask us and we'll point you to the exact clause before you buy.
Tell us the situation you’re worried about and we’ll show you where the policy addresses it, or tell you plainly that it doesn’t. That’s a more useful conversation than a brochure.
