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Studentsecure Insurance

Studentsecure ® insurance, health insurance for international students.

StudentSecure is international student health insurance designed to meet the needs of full-time students and scholars studying outside of their home country. We offer four levels of coverage—Elite, Select, Budget, and Smart—so you can choose the plan that best fits your client’s needs and budget.

All four plan levels meet or exceed most government and visa requirements, including J-1 visa requirements. (Note that F-1 visas do not have a health insurance requirement.)

StudentSecure plans also meet the requirements of many schools.

Why Do International Students Need Health Insurance?

If your client is planning to study abroad, there are three key reasons why they may need international student health insurance:

  • Visa/Proof of Subsistence:  Most countries require incoming international students to possess a visa. Many visas require proof of subsistence for expenses incurred while traveling.
  • School or Program Requirements:  Many schools and study abroad programs require students to purchase health insurance for their time abroad.
  • Unexpected Medical Costs:  Your client’s domestic health plan may provide little or no coverage abroad. A student health plan can reduce expenses resulting from unexpected medical costs.

Market Size

Over 5.3 million higher education students studied abroad in 2019, according to the   Project Atlas   2019   initiative from the Institute of International Education (IIE).

Data from IIE also   reveals that 1,095,299 of these international students studied in the U.S. from 2018-2019.

Who Can Purchase StudentSecure Insurance?

StudentSecure applicants must be residing outside their home country for the purpose of pursuing an international education. They must not have obtained residency status in their host country.

Applicants must also meet   one   of the following conditions:

  • Applicant is a full-time student at a college, university, or secondary school abroad – excluding online colleges and universities
  • Applicant is within 31 days of being a full-time student at a college, university, or secondary school abroad
  • Applicant is a full-time scholar affiliated with an educational institution abroad who spends at least 30 hours per week working or researching

Note for Applicants Visiting the United States:

Applicants traveling to the U.S. must hold a valid education-related visa. We may require proof of the I-20 or DS-2019.

The full-time student/scholar requirement is waived for participants within the U.S. who hold a valid F1 or J1 visa (this includes students on OPT). Full-time status requirements remain in effect for individuals holding M-1 or other category visas.

Four Levels of StudentSecure Coverage

Studentsecure elite, overall maximum benefit: $5,000,000.

Maximum Per Injury or Illness: $500,000 Deductible Per Injury or Illness: $25

StudentSecure Select

Overall maximum benefit: $600,000, studentsecure budget, overall maximum benefit: $500,000, studentsecure smart, overall maximum benefit: $200,000, helping your client choose a plan.

Discuss your client’s school or visa requirements, planned activities, and budget to help them choose the best plan for their needs.

Here’s a brief overview of the key differences between coverage levels:

StudentSecure Elite and StudentSecure Select

The Elite and Select plans offer the lowest deductibles, highest maximum benefits, and greatest coverage for select benefits.

Both plans also provide Accidental Death and Dismemberment (AD&D) coverage, whereas the Budget and Smart plans do not. However, your client will pay a higher premium.

Both StudentSecure Elite and StudentSecure Select cover eligible *pre-existing conditions after the policy is in effect for 6 months.

Note that StudentSecure Elite is the only plan that includes Personal Liability coverage and Vaccination coverage (including the vaccine for COVID-19 / SARS CoV-2).

StudentSecure Budget and StudentSecure Smart

The Budget and Smart plans have the highest deductibles, lowest maximum benefits, and fewer benefits than Select and Elite. However, your client will pay a lower premium while still getting some coverage.

StudentSecure Budget covers eligible *pre-existing conditions after the policy is in effect for 12 months. StudentSecure Smart only covers **acute onset of a pre-existing condition.

Note that StudentSecure Smart is the only plan that does not provide optional coverage for intercollegiate, interscholastic, intramural, or club sports.

Why Should I Recommend StudentSecure?

  • Budget-Friendly Options. Four levels of coverage offer four different price levels. Members can make monthly payments or save money by paying their full premium in advance.
  • Essential Coverage. Plans meet most government and visa requirements, as well as the requirements of many schools.
  • Financial Help for Unforeseen Medical Expenses. Members will be covered for eligible hospitalizations, emergency medical evacuation, some outpatient prescription drugs, some mental health disorders, and more.
  • Applicants can get free quotes and buy online. Policy documents and visa letters are sent immediately after purchase.
  • U.S. PPO Network. Members receive discounted rates within the PPO network.
  • International Provider Search Engine. Members can find qualified medical providers worldwide in seconds.
  • Student Zone. This portal allows members to easily manage their policy, extend or renew coverage, reprint ID cards, and download forms. 

All StudentSecure Plans Include the Following Benefits:

  • Hospital Room & Board, Intensive Care Unit, and Local Ambulance
  • Emergency Medical Evacuation
  • Some outpatient prescription drug coverage
  • Some mental health coverage

See the StudentSecure brochure for a full list of benefits.

Other StudentSecure Highlights:

  • Coverage for eligible expenses related to COVID-19
  • Monthly payment option
  • Savings for paying full premium in advance
  • Meets student visa requirements for J-1 visa
  • Ability to extend and renew coverage for up to four years
  • U.S. PPO network and access to worldwide provider search engine
  • Travel assistance services available in multiple languages 365 days a year

Explore the StudentSecure Brochure to Learn More

Find information for the StudentSecure Elite, Select, Budget, and Smart plans together in one StudentSecure brochure (available in English, Spanish, and Chinese) . The brochure includes:

  • a thorough plan description
  • a table of benefits
  • benefit explanations
  • enrollment and claims information

See Monthly and Daily StudentSecure Rates

You can review monthly and daily premium tables on the StudentSecure application form . Rates are subject to change, so be sure you’re viewing current rates. You’ll find the effective date for the rates listed in the bottom left-hand corner of the premium table pages.

*We define a pre-existing condition as any condition:

  • for which medical advice, diagnosis, care, or treatment was recommended or received within the 12 months prior to the member’s effective date of coverage
  • which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within the 12 months prior to the member’s effective date of coverage
  • that existed (with reasonable medical certainty) in the 12 months prior to the member’s effective date of coverage, whether or not it was known to him or her

**We define acute onset of a pre-existing condition as a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning in the form of physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care.

The acute onset of a pre-existing condition must occur after the effective date of the policy. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.   Chronic or congenital conditions or pre-existing conditions that gradually become worse over time will not be considered acute onset.

WorldTrips 4 Carter Green Suite 400 Carmel, IN 46032 800- 605-2282

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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..

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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. 

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

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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WorldTrips Insurance

worldtrips

WorldTrips – Formerly Tokio Marine HCC

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WorldTrips began in 1988 and was one of the first insurers in the world to offer its plans for purchase over the Internet. It has continued to grow its leading technical capacity, and now customers can buy insurance, file claims, check their policy, and get their documents online at any time, day or night. WorldTrips International has a financial strength rating of “A+ (Strong)” from S&P Global Ratings.

WorldTrips is a division of Tokio Marine HCC, which has helped customers for over 140 years. Tokio Marine HCC has offices in countries around the world, including the U.S., Mexico, the United Kingdom and Continental Europe. Its 3,000 employees apply a unique understanding of risk and a passion for underwriting.

WorldTrips insurance plans are with you anywhere you may travel for vacation, study abroad, business and mission trips, or extreme sports adventures.

WorldTrips is one of our Top 10 Travel Insurance Companies .

WorldTrips insurance (formerly Tokio Marine HCC) provides travel medical insurance to international travelers and students so they can receive the best treatment in the case of any accidents or unexpected issues while abroad. Thousands of customers in over 130 countries trust WorldTrips to give them an extra layer of security when they are traveling outside of their home country.

Why Choose WorldTrips Travel Insurance?

Member support.

24/7 Emergency Travel Assistance

Online Policyholder Portal

Members can easily access policy information and submit and track claims through the WorldTrips online policyholder portal for their plan.

Online Provider Search

Within the U.S., members can search for a doctor or hospital in the WorldTrips PPO network using the online provider search. Outside the U.S., members can seek treatment from any provider they want, and WorldTrips offers a curated list of excellent providers in locations around the world.

WorldTrips Comprehensive Travel Medical Plans

A WorldTrips travel insurance plan gives you access to the best doctors, wherever you are. After you have purchased coverage, if you need to find a provider in an unfamiliar location, just call WorldTrips or access their online list of providers to find the right doctor for you.

The plans also offer a number of added benefits for any of life's little hiccups, including emergency travel assistance, lost luggage tracking, emergency cash transfers, legal referrals, translation assistance, medical monitoring, emergency travel arrangements and more. Their customer service representatives offer customer support in a wide array of languages around the world.

Your medical coverage in your home country is often of no help when you're overseas. The Atlas Travel plan gives you protection while you're abroad, providing international travel medical insurance for periods of travel between five and 364 days. It is also customizable, allowing you to choose the right level of coverage to suit your personal needs.

WorldTrips Atlas travel insurance

  • Emergency medical, evacuation, repatriation benefits
  • Choose between the basic and more extensive coverage
  • Meets Schengen visa insurance requirements
  • 24/7 worldwide travel and emergency medical assistance
The Atlas Group insurance plan is available upon request for groups of 5 or more traveling abroad.

If you're studying abroad, you may need insurance to satisfy your visa requirements or your school requirements – and you will want insurance to ensure you are fully covered if any mishaps arise. The StudentSecure international student health insurance plan from WorldTrips provides comprehensive medical coverage for full-time students or full-time scholars studying outside of their home country. With four levels of coverage to choose from, you can find the plan that fits your needs and your budget.

WorldTrips

  • Provides Medical, Dental, Evacuation and other Benefits
  • Keep your coverage when your studies last multiple years
  • Medical providers are available in over 130 countries worldwide

The WorldTrips Provider Network

WorldTrips maintains relationships with hospitals, laboratories, and doctors throughout the world. In the U.S., WorldTrips has a vast Preferred Provider Organization (PPO). Throughout the rest of the world, it maintains an extensive list of recommended providers, although you are free to visit any provider you choose. Many of your provider selection decisions will be based on geographical location and provider specialty needs.

Areas of Coverage

Coverage is worldwide, so you can be assured that you are still protected if your travel is multinational. Customers can choose a policy that includes or excludes the United States.

How to Find a Provider

Outside the United States, members can see any doctor they like. WorldTrips also makes it easier to find a provider in an unfamiliar country with an extensive list of international providers. Once you have purchased your plan, to find a provider in your area, go to the WorldTrips website or call +1 (317) 262-2132 (collect calls accepted).

In the United States, members can access doctors and facilities from the robust WorldTrips Preferred Provider Organization (PPO) network. Once you have purchased your plan, call WorldTrips directly at (800) 605-2282 or use their easy online tools to find a provider near you.

US Provider Network

The provider network for members in the United States is contingent on when the medical policy was purchased.

If the member purchased their travel medical policy before July 2019 or the member is an EU resident who purchased a policy before May 2020, their providers are in the First Health International network.

If the member purchased their travel medical policy after July 2019 or is an EU resident who purchased a policy after May 2020, their providers are in the United Healthcare network.

How to File a Claim Inside the US

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How to File a Claim Outside the US

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WorldTrips Member Services

WorldTrips has customer service specialists available 24 hours a day, seven days a week to help customers in the case of a travel emergency. Their specialists are well-trained, multi-lingual, experienced people that can provide both emergency and travel assistance services.

The Customer Service area on the WorldTrips site also offers the ClientZone. In this area members can download policy documents, file and track claims, update their address, and handle renewal, extension or cancellation of their policy. This area also provides answers for frequently asked questions such as, "Where do I find my certificate ID number?" and "How do I verify the coverage area of my policy?"

WorldTrips' Customer Care Contact Information

  • Within the United States: (800) 605-2282 (toll-free)
  • Outside the United States: +1 (317) 262-2132 (collect calls accepted)

WorldTrips P.O. Box 2058 Farmington Hills, Michigan 48333-2005

FAQs about WorldTrips Travel Insurance

What type of insurance does worldtrips offer.

WorldTrips offers travel medical insurance and medical insurance for students studying outside their home country.

Their Student Secure plan is ideal for students coming to the USA or for US students studying abroad. The plan is also available for any student traveling abroad from any country excluding Canada and Australia.

The Atlas Travel Medical plan is for all travelers worldwide traveling abroad for 5 days or longer. 

Who is the underwriter for WorldTrips insurance?

WorldTrips’ Atlas Travel Series and StudentSecure international travel medical insurance products are underwritten by Lloyd's.

Does WorldTrips cover pre-existing conditions?

Pre-existing conditions are excluded from WorldTrips coverage. WorldTrips states that it defines pre-existing conditions as any condition:

  • for which medical advice, diagnosis, care, or treatment was recommended or received within 2 years prior to your effective date of coverage
  • which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 2 years prior to your effective date of coverage
  • that existed (with reasonable medical certainty) with 2 years prior to your effective date of coverage, whether or not it was known to you

Is WorldTrips the new name for Tokio Marine HCC Travel Insurance?

Yes! If you were looking for Tokio Marine HCC Insurance, HCC Medical Insurance Services or HCCMIS, this is the same reliable company you have always known with a new name. The company rebranded its name to WorldTrips.

More to Read:

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How to Find the Best Travel Insurance

Elina Geller

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What travel insurance covers

How much does travel insurance cost, types of travel insurance, how to get travel insurance, what to look for in travel insurance, best travel insurance comparison sites, which insurance company is best for travel insurance, when to skip travel insurance, travel insurance, recapped.

Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more.

Cost is affected by trip length, pre-existing medical conditions, depth of coverage, your age and add-ons.

You can get it through credit cards or third-party companies, & can shop on travel insurance comparison sites.

Before buying, evaluate risks, know existing coverage, obtain quotes online and review policy details warily.

Skip it if you buy flexible airfare and hotels, already have coverage or only book refundable activities.

Booking travel always carries some degree of uncertainty. Travel insurance provides a safety net so you can step out with confidence. You may not need travel insurance for inexpensive trips, but it can provide a sense of security when you prepay for pricey reservations, a big international trip or travel during cold and flu season, which can be unpredictable.

According to insurance comparison site Squaremouth, travelers in 2023 spent an average of $403 for comprehensive coverage, compared to $96 for medical-only policies. Comprehensive plans typically cost between 5% and 10% of the insured trip cost.

Since that price tag is no small amount, it helps to know how to shop smart for travel insurance. Here's how to find the right travel insurance plan for you and your next adventure.

Depending on the type of coverage you’re looking for, the chart below will help you determine what to look for when selecting a policy:

Depending on the policy, travel insurance reimburses you or offers services when something goes awry. There’s even coverage for the worst-case scenario: if you die in an accident while traveling. Accidental death coverage pays your beneficiary a lump sum in that case.

Before you buy, take a little time to get familiar with different types of travel insurance products, how it’s priced, and what it covers and excludes. If you’re traveling during these uncertain times, you’ll want to make sure that the policy you select covers coronavirus-related emergencies. Usually, the more thorough the coverage, the more it will cost.

Travel insurance costs vary depending on:

Length and cost of the trip: The longer and more expensive the trip, the higher the policy cost.

Cost of local health care: High health-care costs in your destination can drive up the price of trip insurance.

Medical conditions you want covered: Conditions you already have will increase the cost of travel insurance coverage.

Amount and breadth of coverage: The more risks a policy covers, the more it will cost.

Your age: Generally the older you are, the higher the price.

Any optional supplement you add to your policy : Cancel For Any Reason , Interrupt For Any Reason and more.

Keep these factors in mind when considering different travel insurance options.

You’ll find a wide selection of travel protection plans when you shop for a policy.

Typically, travel insurance is sold as a package, known as a comprehensive plan, which includes a variety of coverage.

Here are seven of the most common types of travel insurance:

Travel medical insurance

These plans provide health insurance while you’re away from home. Although in some ways these policies work like traditional health plans, generally you cannot use travel health insurance for routine medical events. For example, a routine medical checkup is usually not covered. In addition, these policies often include limitations on coverage and exclusions for pre-existing conditions.

Although most travel insurance plans cover many recreational activities, such as skiing and horseback riding, they often exclude adventure sports, such as skydiving or parasailing, or competition in organized sporting events. You may need to buy a special travel policy designed for adventure or competitive sports.

International travel insurance

Most likely, your U.S.-based medical insurance will not work while you’re traveling internationally, and Medicare does not provide any coverage once you leave the United States outside of a few very specific exemptions. If you plan on traveling abroad, purchasing travel medical insurance could make a lot of sense.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Trip cancellation, interruption and delay

Trip cancellation coverage reimburses you for prepaid, nonrefundable expenses if the tour operator goes out of business or you have to cancel the trip for one of the covered reasons outlined in the policy, such as:

Your own illness.

The illness or death of a family member who’s not traveling with you.

Natural disasters.

Trip interruption insurance covers the nonrefundable cost of the unused portion of the trip if it is interrupted due to a reason outlined in the policy.

Trip delay coverage reimburses you for expenses such as lodging and meals if you’re delayed during a trip (e.g., your flight gets canceled due to weather ).

Many package policies cover all three. These policies are different from the cancellation waivers that cruise lines and tour operators offer, the Insurance Information Institute says. Waivers are cheap, ranging from $40 to $60, and often include restrictions. For example, according to the institute, waivers might not refund your money if you cancel immediately before departure. Waivers are technically not insurance policies.

Some companies offer additional layers of coverage at extra cost. “Cancel For Any Reason” coverage will reimburse a large part of the trip cost, no matter why you back out. And some companies let you pay extra to cover pre-existing conditions if you cancel for medical reasons.

Some insurers and comparison sites let you customize a policy by choosing types of coverage a la carte. For example, TravelInsurance.com is a comparison site that provides quotes from different providers.

Baggage and personal belongings

How does lost luggage insurance work? This coverage reimburses you for baggage and personal belongings that are lost, stolen or damaged during the trip. Some plans also reimburse you for extra expenses if you experience a baggage delay for more than a certain period, such as 12 hours.

Your renters or homeowners insurance may cover personal belongings while you are traveling. It’s best to review your homeowners insurance policy to determine the level of coverage it provides so you do not end up paying for a benefit you already have.

» Learn more: Baggage insurance explained

Emergency medical assistance, evacuation and repatriation

This coverage pays medical expenses if you get sick or injured on a trip . Medical evacuation coverage pays for transporting you to the nearest hospital, and medical repatriation pays for flying you to your home country.

» Learn more: Can I get travel insurance for pre-existing medical conditions?

24-hour assistance

This service is included with many package plans. The insurer provides a 24-hour hotline that you can call when you need help, such as booking a flight after a missed connection, finding lost luggage, or locating a doctor or lawyer.

Generally, travel insurance companies do not cover sports or any activity that can be deemed risky. If you’re thinking of incorporating adventurous activities into your vacation, choose a plan that includes adventure sports coverage.

Most travel insurers cover a wide array of services, but the specific options vary. Some plans include concierge services, providing help with restaurant referrals, tee time reservations and more. Many services also offer information before the trip, such as required vaccinations. The only way to know what’s included is to read the policy.

» Learn more: Should you insure your cruise?

Accidental death and dismemberment insurance

This coverage pays a lump sum to your beneficiary, such as a family member, if you die in an accident while on the trip. Accidental death and dismemberment insurance policies also pay a portion of the sum to you if you lose a hand, foot, limb, eyesight, speech or hearing. Some plans apply only to accidental death in a plane.

This coverage may be duplicative if you already have sufficient life insurance, which pays out whether you die in an accident or from an illness. You may also already have accidental death and dismemberment insurance through work, so it's best to check your policies to ensure you’re not overpaying.

» Learn more: NerdWallet's guide to life insurance

Rental car coverage

Rental car insurance pays for repairing your rental car if it’s damaged in a wreck, by vandals or in a natural disaster. The coverage doesn't include liability insurance, which pays for damage to other vehicles or for the medical treatment of others if you cause an accident and are held responsible.

Ask your car insurance company whether your policy will cover you when renting cars on the trip. U.S. car insurance policies generally don’t cover you when driving in other countries, except Canada.

Car insurance requirements are complex because they vary among countries. You can usually purchase liability insurance from the rental car company. Learn about car insurance requirements by searching for auto insurance by country on the U.S. Embassy website .

» Learn more: Best credit cards for rental car coverage

A note about single vs. long-term policies

Single trip insurance plans are a great option for those going on a single trip for a specific length of time (e.g., a two-week vacation) and then returning home. The price of the policy is usually determined by the cost of the trip.

Long-term travel policies cover you for multiple trips, but there are limitations to how long you can be away from home, if you can return home during your travels and how many trips you can take. In addition, trip cancellation and interruption coverage is either not offered or capped at a dollar amount that can be significantly below the total cost of all the trips taken during the covered period.

Long-term travel insurance plans — often called 'multi-trip' or 'annual travel insurance' — are a suitable option for those who travel often and are satisfied with the amount of trip cancellation coverage for all the trips they take over the duration of the policy.

» Learn more: How annual (multi-trip) travel insurance works

Below, we include how to obtain travel insurance, along with the pros and cons of each option.

Some credit cards offer trip cancellation and rental car insurance if you use the card to book the trip or car.

When you book a trip with your credit card, depending on the card you use, you may already receive trip cancellation and interruption coverage.

» Learn more: 10 credit cards that provide travel insurance

Here are a handful of credit cards with travel insurance benefits.

Chase Sapphire Preferred Credit Card

on Chase's website

Chase Sapphire Reserve Credit Card

on American Express' website

Chase Ink Business Preferred Credit Card

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Travel accident: Up to $500,000.

• Rental car insurance: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Travel accident: Up to $1 million.

• Rental car insurance: Up to the actual cash value of the car.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

Pros: Coverage is free.

Cons: You can’t customize the insurance to meet your needs. Most credit cards offer secondary car rental insurance, which pays for the costs not covered by your regular car insurance plan.

Travel agents and travel reservation sites

You can buy travel insurance when you book your flight, hotel and car rental.

Pros: Buying is as quick and easy as clicking “yes” when you book reservations. Coverage is inexpensive.

Cons: You can’t customize the coverage.

» Learn more: Airline travel insurance vs. independent travel insurance

Travel insurance comparison sites

You can compare different policies and review quotes at once based on the trip search criteria you’ve input into the search form. Examples include marketplaces like Squaremouth or TravelInsurance.com.

Pros: You can choose a policy that fits your needs and compare policies and pricing in one place.

Cons: Comparing multiple policies takes time.

Travel insurance companies

You can purchase travel insurance directly from an insurance provider.

Pros: You can choose a policy that fits your needs. Many travel insurer websites also offer information to help you understand the coverage.

Cons: You’ll need to go to multiple websites to compare coverage and pricing.

» Learn more: The best travel insurance companies right now

Keep these tips in mind when you’re considering a trip insurance policy.

Evaluate the financial risks you face when traveling. Can you bear those costs yourself, or do you want insurance?

Examine what coverage you already have: Does your credit card offer travel insurance? Do you have renters or homeowners insurance to cover belongings? What is the deductible? Will your health plan cover you in all the locations where you travel?

Get quotes for trip insurance online. Choose a package of the benefits you need and compare prices for similar coverage among carriers.

Narrow your choices and then read the policy fine print to understand what’s covered, what’s excluded and the limits on coverage. You may find that the lowest-priced policy is too restrictive and that paying a little more gets you the coverage you need. Or you might find that the cheapest, most basic policy fits the bill.

If you don’t know which provider to go with, it makes sense to browse a list of plans on a travel insurance comparison site. These online marketplaces will often include plans from the best travel insurance companies along with customer reviews.

Squaremouth

world trip student insurance

Compare plans from more than 30 providers.

Over 86,000 customer reviews of insurers.

Under its Zero Complaint Guarantee, Squaremouth (a NerdWallet partner) will remove a provider if any customer complaint isn't resolved to its satisfaction.

Has a filter option to see policies that provide COVID-coverage.

TravelInsurance.com

world trip student insurance

Compare plans from 13 providers.

See good and poor customer ratings and reviews for each insurer when you receive quotes.

“Learning Center” includes travel insurance articles and travel tips, including important how-to information.

Quotes provided from each provider include a link to COVID-19 FAQs, making it easy for customers to review what’s covered or not.

InsureMyTrip

world trip student insurance

Compare plans from more than two dozen providers.

More than 70,000 customer reviews.

“Anytime Advocates” help customers navigate the claim process and will work on behalf of the customer to help with appealing a denied claim.

Includes a link to plans that offer COVID coverage.

world trip student insurance

Compare plans from 11 providers.

Search coverage by sporting activity, including ground, air and water sports.

Many types of plans available for students, visiting family members, new immigrants, those seeking COVID quarantine coverage and more.

world trip student insurance

Compare different insurance plans from 35 providers.

Over 5,600 customer reviews on Trustpilot, with an average 4.9 stars out of five.

Formerly known as AardvarkCompare, AARDY includes a “Travel Insurance 101” learning center to help customers understand various policies and benefits.

Quote search results page includes COVID-coverage highlighted in a different color to make it easier for customers to review related limits.

Whether you’re looking for an international travel insurance plan, emergency medical care, COVID coverage or a policy that includes extreme sports, these providers have you covered.

Our full analysis and more details about each organization can be found here: The Best Travel Insurance Companies Today .

Allianz Global Assistance .

Travel Guard by AIG .

USI Affinity Travel Insurance Services .

Travel Insured International .

World Nomads .

Berkshire Hathaway Travel Protection .

Travelex Insurance Services .

Seven Corners .

AXA Assistance USA .

There are a few scenarios when spending extra on travel insurance doesn't really make sense, like:

You booked flexible airline tickets.

Your hotel room has a good cancellation policy.

It's already included in your credit card.

You haven't booked any nonrefundable activities.

» Learn more: When you don't need travel insurance

Yes, especially for nonrefundable trips and travel during the COVID-era. Whether you purchase a comprehensive travel insurance policy or have travel insurance from your credit card, you shouldn't travel without having some sort of travel protection in place to safeguard you and your trip. Travel insurance can protect you in case of an unexpected emergency such as a canceled flight due to weather, a medical event that requires hospitalization, lost luggage and more.

There are many good travel insurance policies out there and a policy that may be great for you may not be good for someone else. Selecting the best plan depends on what coverage you would like and your trip details.

For example, World Nomads offers a comprehensive travel insurance policy that has excellent coverage for adventure sports. Allianz provides coverage for trips of varying lengths of time through its single trip plans and multi-trip plans. Some providers offer add-on options like Cancel For Any Reason travel insurance. If you’re not sure which plan to go with, consider looking at trip insurance comparison sites like Squaremouth or Insuremytrip.

Yes, you can. However, it's better to purchase it sooner rather than later, ideally right after booking your trip because the benefits begin as soon as you purchase a policy.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your trip cancellation benefits to get your nonrefundable deposit back.

Most comprehensive travel insurance plans offer trip cancellation, trip interruption, emergency medical and dental, medical evacuation, trip delay and lost luggage coverage. Many plans offer COVID coverage, but you’ll always want to check to ensure that the policy you choose provides that benefit if you’re traveling during these times. Some plans may also allow you to add features like Cancel For Any Reason travel insurance.

It depends which credit card you have. Premium travel cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express offer travel insurance benefits if you book a trip using your card or points.

However, the coverage provided by the credit cards is usually lower than if you purchased a standalone policy. Review the travel insurance benefits on your credit card and check that the limits are adequate before foregoing from purchasing a separate plan.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your

trip cancellation benefits

to get your nonrefundable deposit back.

It depends which credit card you have. Premium travel cards like the

Chase Sapphire Reserve®

The Platinum Card® from American Express

offer travel insurance benefits if you book a trip using your card or points.

Unpredictability is one of the mind-opening joys of travel, but travel insurance should contain no surprises. The time you spend to understand your options will be well worth the peace of mind as you embark on your next adventure.

Whether you’re seeking a single or a long-term policy, each travel insurance option offers different strengths and weaknesses. Choosing the right policy depends on your trip needs, your budget and how important various benefits are to you.

Keep reading

If you want to dig in deeper to world of travel insurance, these resources will point you in the right direction.

What is travel insurance? How much is travel insurance? Is travel insurance worth it? What does travel insurance cover? Does travel insurance cover COVID?

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

1x-5x 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

30,000 Limited-time offer: Earn Companion Pass® good through 2/28/25 plus 30,000 points after you spend $4,000 on purchases in the first 3 months from account opening.

Is Travel Insurance Worth It? Evaluating the Value and Benefits

Our experts answer readers' insurance questions and write unbiased product reviews ( here's how we assess insurance products ). In some cases, we receive a commission from our partners ; however, our opinions are our own.

  • Travel insurance covers risks like trip cancellations, health emergencies, and lost luggage.
  • Travel insurance costs can range from 4% to 12% of your total trip cost.
  • Travel insurance is best for trips that are long, expensive, nonrefundable, and international.

Vacations can be very expensive. If you're paying a lot for yours, you might wonder if you should purchase travel insurance, especially when some costs are nonrefundable.

The answer isn't always cut-and-dried. Travel insurance isn't necessary for everyone. Whether you need it will depend on a variety of factors. Here are some key points to consider when deciding if travel insurance suits you.

Introduction to travel insurance

When planning a trip, it's essential to think about how you'll protect yourself from the unexpected. That's where travel insurance comes in. It can cover various risks like loss of personal belongings, checked baggage, and more. With the appropriate coverage, you can nullify or mitigate the potential losses. "Plain and simple, travel insurance is a layer of protection against financial loss," says Brad Cummins, owner and principal agent for Insurance Geek , an insurance comparison platform. "Whether it be lost luggage or a lost passport, travel insurance will cover the extra costs during these unfortunate events."

Benefits of travel insurance

Protection against unforeseen cancellation.

One of the top reasons to acquire travel insurance is to cover potential losses from trip cancellations. When canceling a trip due to a covered cause, travel insurance will reimburse you for prepaid, nonrefundable expenses. 

Some covered causes for travel cancellations include:

  • Sickness, injury, or death of traveler or family member of traveler
  • Inclement weather
  • Unexpected work or layoffs
  • Terrorist incidents in a travel location

Some travel insurance covers trip cancellations regardless of the reason. However, you make certain trade-offs when you enroll in a  "Cancel for Any Reason" (CFAR) insurance policy . These policies are more expensive and may only refund a percentage of your trip's cost. You can find our guide on the best CFAR travel insurance  here.

Financial security and peace of mind

While your travel insurance covers any unforeseen issues before your trip, it continues to cover you even after your flight has taken off.

For example, you don't have to be as anxious at baggage claim when your fellow passengers have claimed their luggage and yours hasn't come out yet. Travel insurance offers lost luggage protection and can cover any necessary purchases while you wait for your late luggage to arrive, such as toiletries and a change of clothes.

Medical coverage on travel insurance  can also offer peace of mind as most US health insurers don't provide coverage when you're abroad. A comprehensive travel insurance plan will cover you in an unexpected accident or emergency so you can seek medical attention for an injury sustained while traveling without worrying about mounting medical bills.

Evaluating the cost of travel insurance

The average cost of travel insurance is 5%-6% of your total trip cost. However, the exact cost will vary based on factors such as your age, travel destination, and where you live, and can be as little as 4% of your trip cost or as high as 12% of your trip cost.

If you're wondering whether travel insurance is worth it, you're not alone. There are a few things to consider. If an emergency arises on your trip, travel insurance can reimburse part or all of your vacation expenditure. However, this will depend on factors such as your trip type and whether it's refundable.

Cost vs. potential savings

In general, travel insurance is worth it if you're concerned about losing money if your trip is called off or delayed or if you're worried about medical bills while traveling. However, conducting thorough research and understanding the costs and coverage provided is critical before purchasing a policy.

For example, older travelers or those with pre-existing medical conditions may pay more for their insurance. Similarly, those traveling to high-risk destinations or participating in high-risk activities may also face higher premiums. 

Ultimately, it's important to shop around and compare quotes from different travel insurance companies to find the best coverage and rate for your needs. You can find our picks for the best travel insurance companies here. 

Cost-benefit analysis for different trip types

Travel insurance may be a wise investment if you've already paid for your and can't change or cancel your trip without penalty. Suppose your trip is canceled or disrupted due to a covered cause. In that case, travel insurance will cover the trip's cost and any other nonrefundable expenditures up to a pre-determined amount.

If you're heading to a country where your health coverage doesn't apply, or if you don't have any health insurance at all, travel insurance might provide the protection you need. Travel insurance can also assist you in case of medical emergencies. It's vital to understand that not all travel insurance policies are created equal. Be sure to carefully study the details and understand what is and isn't covered before purchasing one.

Scenarios where travel insurance is essential

Expensive vacations and long-term travel.

It's a good idea to insure trips with a high, nonrefundable price tag because you'll never forgive yourself if your expensive, once-in-a-lifetime trip gets canceled and your money and planning go down the drain. For these vacations, you'll want to find a policy that covers 100% of expenses.

Similarly, if you have long-term travel plans, you'll want to have a policy that protects against travel interruption in case something cuts your plans short. You'll also want medical coverage during extended stay outside the country.

High-risk destinations and activities

High-risk destinations include regions facing political instability, war zones, and areas prone to natural disasters. Travelers headed to these areas should look into travel insurance in case their trip is canceled due to an unforeseen event. 

Additionally, certain areas are known for the thrilling activities they offer, like skydiving and bungee jumping. If you have extreme sports on your itinerary or believe you might build up the courage to plunge down a canyon, you may want to invest in a travel insurance policy. Keep in mind that some travel insurance policies don't cover high-risk activities, so shop carefully.

When travel insurance may not be necessary

Low-risk, short, or domestic trips.

There are also some situations in which you might not need travel insurance. If you are traveling within the US, you do not need travel insurance for health reasons since most health insurance plans will cover you even if you're not in your home state. 

Additionally, travel insurance may not be necessary if you're only traveling over the weekend or exclusively booked refundable experiences.

Making an informed decision

There are a few key considerations when buying a travel insurance policy. The cost of the policy is one factor, but it's also important to look at the coverage limits and what is included and excluded in the policy. Be sure to read the fine print carefully and compare policies between different companies. 

It's also important to consider the purpose of your travel insurance policy. If you're going on a trip where you'll be doing adventurous activities, ensure your policy covers those activities. Finally, remember that travel insurance is there to protect you in case something goes wrong on your trip, so don't hesitate to use it if you need to.

If you decide that you need travel insurance, here are a few things to keep in mind when shopping for a policy:

  • Read the fine print of any policy you are considering to understand what is and is not covered. This is especially important for those who want to add special coverage options. 
  • Compare policies from different providers to find the best coverage at the best price.
  • Purchase your policy well in advance of your trip so that you are covered in case of any unforeseen circumstances.
  • Ensure you're covered for pre-existing conditions because a number of policies will exclude pre-existing conditions if you don't pay extra for a waiver or additional coverage. 

Buying travel insurance can be a pretty quick and painless process, thanks to insurance aggregator sites like SquareMouth .

Using SquareMouth is one of the easiest ways to see multiple coverage options simultaneously. Once you've entered some personal details and information regarding your trip, you'll see a variety of insurance providers and plans from which to choose.

Assessing personal and trip risks

The first consideration you should factor into travel insurance is how much of your trip is already paid for. If you've prepaid for most or all of your travel expenses, you may want to purchase travel insurance if you have to cancel.

Another thing to consider is where you will be traveling. If you are visiting multiple countries, getting insurance that covers you in all of them might be a good idea.

Your age and overall health can also determine whether you need travel insurance. Suppose you are older or have pre-existing medical conditions, for example. In that case, it might be a good idea to purchase travel insurance if you need to cancel your trip or incur unexpected medical expenses.

Lastly, the value of your luggage can also be a factor to consider. If you plan to bring expensive items with you on your trip, it might be worth purchasing travel insurance to cover lost or stolen luggage.

Reviewing policy options and exclusions

When it comes to travel insurance, the ease of use will depend on the provider you choose. If you're working with a reputable insurer, then the process should be relatively straightforward. However, it's still important to understand what is and isn't included in your policy before you purchase it. This way, you can be sure that you're getting the coverage you need and that you won't be caught off guard by any fine print.

Travel insurance isn't necessary for everyone or every trip. But it can bring a lot of peace of mind during your travels and can certainly translate into significant savings if you're faced with a medical emergency while on your trip. It's best to do your research, compare plans, and understand your own level of risk when it comes to deciding whether or not to purchase coverage.

Travel insurance frequently asked questions

Travel insurance is highly recommended for trips that are long and expensive. For example, you should buy travel insurance for any international trips, cruises, adventure travels, and trips with significant pre-paid expenses.

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Student Guide: Top Institutions in Moscow for International Students

  • November 17, 2021

Student Guide Top Institutions in Moscow for International Students.

Moscow, Russia’s capital city is a cultural, political, and economic center. 

When you visit the city, there are a lot of historic places to go to. It is the location of some of the world’s most well-known architecture, such as the Kremlin, the St. Basil’s Cathedral, and Red Square.

Aside from being famous for those, the city is also a favorite study destination. 

It is home to more than a hundred universities . Also, Moscow is the country’s best student city for international students. 

If you want to study there, here are the top institutions in Moscow for international students. 

Lomonosov Moscow State University

Lomonosov Moscow State University (MSU) is one of the oldest universities in Russia and the oldest in Moscow. It was founded in 1755 by the famous Russian polymath, Mikhail Lomonosov. The university was originally modeled after German universities. 

It also belongs in the top 100 of the QS World University Rankings 2022. 

Right now, the university is most known for its strong emphasis on applied science, has a strong focus on research, and global collaborations. 

Bauman Moscow State Technical University 

Just like MSU, Bauman Moscow State Technical University (BMSTU) is also an institution with a strong focus on research. It is also well known for having one of the best education in engineering and innovative technology. 

The university has a long history in higher education. It has been around for more than 180 years now. 

Moreover, global collaboration and international exchanges are also huge in the university. The second-best institution in Moscow also has global links with more than 80 top universities in the world.

Lastly, BMSU is home to a state-of-the-art training facility for students with disabilities, and the hearing impaired. 

Moscow Institute of Physics and Technology

Slightly younger than the first two universities at being founded in 1946, the Moscow Institute of Physics and Technology (MIPT) is also a leading institution in the fields of science and technology. The institution has a lot of scientific faculties, and some of them have been Nobel Prize awardees. 

MIPT also has a unique system that was established during Russia’s Soviet era. The system, which is called the PhysTech system, focuses on the individualized approach to teaching and highly competitive and selective admission. 

HSE University 

The university, which was established in 1992, has a strong focus on research and is one of the biggest universities in Russia. 

In addition, it has four campuses in some of the main cities of Russia, Moscow, Saint Petersburg, Nizhny Novgorod, and Perm. 

When it comes to its subjects, the institution has a strong focus on social sciences, humanities, law, and other creative fields.

RUDN University

RUDN University is the most popular choice of university for international students. Thus, if you want to experience meeting more international students, then this is the place to be. 

The university has always prided itself on its international student exchanges. For example, aside from English-taught programs, it also has programs taught in Spanish. 

The university was established in 1960 and is most known for its unique research centers, such as the Institute of Gravitation and Cosmology. 

Those are the five best institutions in Moscow for international students. If you want to expand your knowledge of Russia and its higher education, check out our articles at MSM Unify. Start by reading our article: Overview of Russia’s Higher Education System . 

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Universities in Moscow, Russia - Rankings & Reviews -

For business studies see our separate ranking of business schools in Moscow, Russia

  • 27 Sep, 2023: THE World University Rankings updated with Moscow State University M. V. Lomonosov ranked highest among 21 listed universities in Moscow.
  • 15 Aug, 2023: ARWU Academic Ranking of World Universities - ShanghaiRanking updated with Moscow State University M. V. Lomonosov ranked highest among 6 listed universities in Moscow.
  • 31 Jul, 2023: Webometrics published most recent results of Webometrics Ranking Web of Universities . Includes 42 universities from Moscow.
  • 22 Jul, 2023: Latest URAP University Ranking by Academic Performance - By Field (Business) from Urap . 115 universities from Moscow appear in this ranking.

Rankings of universities in Moscow, Russia 2024

Russia

Moscow State University M. V. Lomonosov

  • University rankings (20)

Russia

Moscow Institute of Physics and Technology

Russia

National Research University Higher School of Economics

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  • University rankings (17)

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Russia

National Research Nuclear University MEPI

  • University rankings (19)

Russia

Peoples' Friendship University of Russia

Card image

Bauman Moscow State Technical University

  • University rankings (16)

Russia

National University of Science and Technology "MISIS"

Card image

  • University rankings (15)

Russia

Sechenov First Moscow State Medical University

Card image

  • University rankings (14)

Russia

Plekhanov Russian University of Economics

Card image

Finance Academy under the Government of the Russian Federation

  • University rankings (10)

Russia

MGIMO University

  • University rankings (6)

Russia

National Research University Moscow Power Engineering Institute

  • University rankings (9)

Russia

Moscow Aviation Institute (National Research University)

Russia

Russian National Research Medical University

Card image

  • University rankings (7)

Russian Presidential Academy of National Economy and Public Administration

  • University rankings (8)

Russia

Mendeleev University of Chemical Technology of Russia

Russia

Moscow Institute of Electronic Technology

Russia

Moscow State University of Civil Engineering

Russia

Skolkovo Institute of Science & Technology

Russia

Russian State University for the Humanities

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Russian Technological University MIREA

Card image

  • University rankings (12)

Russia

Russian State University of Oil and Gas

  • University rankings (11)

Russia

Russian State Agricultural University

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Moscow Polytech

Russia

Moscow State Pedagogical University

Russia

Moscow State Technological University "Stankin"

Russia

Moscow Technical University of Communications and Informatics

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  • University rankings (5)

Russia

Russian State Social University

  • University rankings (4)

Russia

Moscow City Teachers' Training University

Card image

  • University rankings (3)

Russia

Moscow State University of Food Production

Russia

New Economic School

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Moscow State University of Psychology and Education

  • University rankings (2)

Russia

Moscow State Regional University

Card image

  • University rankings (1)

Russia

Moscow State Linguistic University

Russia

Russian State Geological Prospecting University

Russia

Russian New University

Russia

Moscow State University of Railway Engineering

Russia

Moscow State University of Technology and Management

Russia

Pushkin State Russian Language Institute

Russia

Moscow State Technical University of Civil Aviation

Russia

Moscow State University of Geodesy and Cartography

Russia

Moscow University for the Humanities

Russia

Moscow Tchaikovsky Conservatory

Russia

Saint Tikhon's Orthodox University

Russia

State University of Land Management

Russia

Gaidar Institute for Economic Policy

Russia

Modern University for the Humanities

Russia

Moscow International Higher Business School

Russia

Moscow State University of Design and Technology

Russia

Moscow Metropolitan Governance University

Highest subject rankings of universities in moscow, moscow key facts for international students.

49 out of 69 Universities in Moscow Ranked in at least one ranking

24 Different Rankings list Universities in Moscow (18 institution and 6 subject rankings)

16 Global Rankings rank Universities in Moscow Among TOP 200

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District/province: Moscow,

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  • All costs including accommodation 57* (43% cheaper than London)
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What is the best ranked university in Moscow?

What university in moscow is listed in most university rankings, what university in moscow is best ranked for studying business, what university in moscow is best ranked for studying languages & literature, what university in moscow is best ranked for studying natural sciences, what university in moscow is best ranked for studying mathematics, what university in moscow is best ranked for studying education, what university in moscow is best ranked for studying social studies & humanities, what university in moscow is best ranked for studying engineering, what university in moscow is best ranked for studying law, what university in moscow is best ranked for studying computer science, what university in moscow is best ranked for studying medicine & health, what university in moscow is best ranked for studying agriculture, ranking publishers, british quacquarelli symonds, uk, qs world university rankings  (published: 27 june, 2023).

Academic Reputation 40% Employer Reputation 10% Faculty/Student Ratio 20% Citations per faculty 20% International Faculty Ratio 5% International Student Ratio 5%

view methodology

QS Employability Rankings  (Published: 23 September, 2021)

Employer reputation 30% Alumni outcomes 25% Partnerships with Employers per Faculty 25% Employer/Student Connections 10% Graduate employment rate 10%

QS 50 under 50  (Published: 24 June, 2020)

Based on the QS World University rankings methodology, the top 50 universities that are under 50 years old.

QS University Rankings: EECA Emerging Europe & Central Asia  (Published: 15 December, 2021)

Academic reputation 30% Employer reputation 20% Faculty/student ratio 10% Papers per faculty 10% International research network 10%

QS University Rankings BRICS  (Published: 06 May, 2019)

Academic reputation 30% Employer reputation 20% Faculty/student ratio 20% Staff with a PhD 10% Papers per faculty 10%

QS World University Rankings: Sustainability  (Published: 26 October, 2022)

Cwur center for world university rankings, cwur center for world university rankings  (published: 25 april, 2022).

Research Performance: 40%

  • Research Output: 10%
  • High-Quality Publications: 10%
  • Influence: 10%
  • Citations: 10%

Quality of Education: 25%

Alumni Employment: 25%

Quality of Faculty: 10%

Centre for Science and Technology Studies, Leiden University, Netherlands

Cwts leiden ranking  (published: 22 june, 2022).

Scientific Impact Number of Publications Collaboration Open Access Gender Diversity

NTU ranking

Ntu performance ranking of scientific papers  (published: 11 july, 2023).

Research Productivity: 25%

  • # Articles last 11 years: 10%
  • # Articles current year: 15%

Research Impact: 35%

  • # Citations last 11 years: 15%
  • # Citations last 2 years: 10%
  • Average # citations last 11 years: 10%

Research Excellence: 40%

  • H-index last 2 years: 10%
  • # Highly cited papers last 11 years: 15%
  • # Articles current year in high-impact journals: 15%

Nature Index

Nature index - young universities  (published: 08 december, 2021), rur ranking agency (moscow, russia), rur world university rankings  (published: 25 may, 2023).

Teaching: 40%

  • Ratio Faculty/Student: 8%
  • Ratio Faculty/Bachelor Degrees Awarded: 8%
  • Ratio Faculty/Doctoral Degrees Awarded: 8%
  • Ratio Doctoral Degrees Awarded/Bachelor Degrees Awarded: 8%
  • World Teaching Reputation: 8%

Research: 40%

  • Citations per Academic/Research Staff: 8%
  • Doctoral Degrees per Accepted PhD: 8%
  • Normalized Citation Impact: 8%
  • Papers per Academic/Research Staff: 8%
  • World Research Reputation: 8%

International Diversity: 10%

  • International Faculty: 2%
  • International Students: 2%
  • International Co-Authored Papers: 2%
  • Reputation Outside Geographical Region: 2%
  • International Level: 2%

Financial Sustainability: 10%

  • Institutional Income per Faculty: 2%
  • Institutional Income per Student: 2%
  • Papers per Research Income: 2%
  • Research Income per Academic/Research Staff: 2%
  • Research Income per Institutional Income: 2%

RUR Academic Rankings  (Published: 25 May, 2023)

Normalized citation impact (Citations of research publications from all university authors compared with world averages) 20% Citation per papers 20% Papers per academic and research staff 20% International research reputation 20% Share of research publications written in international co-authorship 20%

RUR Reputation Ranking  (Published: 25 May, 2023)

Teaching Reputation 50% Research Reputation 50%

Scimago Institutions

Scimago institutions rankings  (published: 06 march, 2023).

Research 50% Innovation 30% Societal 20%

ShanghaiRanking Consultancy

Arwu academic ranking of world universities - shanghairanking  (published: 15 august, 2023).

Quality of Education 10%

  • Alumni winning Nobel Prizes/Field Medals 10%

Quality of Faculty 40%

  • Staff winning Nobel Prizes/Field Medals 20%
  • Highly Cited Researchers 20%

Research Output 40%

  • Papers published in Nature and Science 20%
  • Papers indexed in Science Citation Index-Expanded & Social Science Citation Index 20%

Per Capita Performance 10%

THE Times Higher Education, UK

The world university rankings  (published: 27 september, 2023).

30% Teaching (the Learning Environment)

  • Reputation survey: 15%
  • Staff-to-student ratio: 4.5%
  • Doctorate-to-bachelor’s ratio: 2.25%
  • Doctorates-awarded-to-academic-staff ratio: 6%
  • Institutional income: 2.25%

30% Research (Volume, Income and Reputation)

  • Reputation survey: 18%
  • Research income: 6%
  • Research productivity: 6%

30% Citations (Research Influence)

7.5% International Outlook (Staff, Students and Research)

  • Proportion of international students: 2.5%
  • Proportion of international staff: 2.5%
  • International collaboration: 2.5%

2.5% Industry Income (Knowledge Transfer)"

THE World Reputation Rankings  (Published: 16 November, 2022)

Research Reputation 66,6% Teaching Reputation 33,3%

THE Emerging Economies University Ranking - Times Higher Education  (Published: 19 October, 2021)

Teaching 30% Research (volume, income and reputation) 30% Citations 20% International outlook (staff, students, research) 10% Industry income (knowledge transfer) 10%

THE Young University Rankings  (Published: 03 July, 2023)

Teaching 30% Research (volume, income and reputation) 30% Citations 30% International outlook (staff, students, research) 7.5% Industry income (knowledge transfer) 2.5%

THE World University Impact Rankings - Overall  (Published: 01 June, 2023)

The china subject ratings overall  (published: 11 may, 2022), urap world ranking - university ranking by academic performance  (published: 28 november, 2022), us news: best global universities  (published: 24 october, 2022), webometrics, webometrics ranking web of universities  (published: 31 july, 2023).

Visibility 50% Excellence 35% Transparency 10% Presence 5%

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What to do in Moscow

Ballet at the bolshoy, cathedral of christ the saviour, drinking & nightlife, entertainment, house-museums, the museum of modern history, the new tretyakov gallery, novodevichiy convent, patriarch’s ponds, the pushkin museum of fine arts, sandunovsky baths, the tretyakov gallery.

Travel in Moscow is easier than you might think: the city’s general layout is a series of concentric circles and radial lines emanating from Red Square and the Kremlin, and the centre is compact enough to explore on foot. Moscow’s sights can also be mapped as strata of its history: the old Muscovy that Russians are eager to show; the now retro-chic Soviet-era sites such as VDNK and Lenin’s Mausoleum; and the exclusive restaurants and shopping malls that mark out the new Russia. A CityPass is a good bet if you plan on seeing several of the city's heavyweight attractions.

Despite its size, Moscow's concentric layout is easier to grasp than you'd imagine, and the city's famous metro ensures that almost everywhere of interest is within fifteen minutes' walk of a station. Red Square and the Kremlin are the historic nucleus of the city, a magnificent stage for political drama, signifying a great sweep of history that includes Ivan the Terrible, Peter the Great, Stalin and Gorbachev. Here you'll find Lenin's Mausoleum and St Basil's Cathedral, the famous GUM department store, and the Kremlin itself, whose splendid cathedrals and Armoury Museum head the list of attractions. Immediately east of Red Square lies the Kitay-gorod, traditionally the commercial district, and originally fortified like the Kremlin. Stretches of the ramparts remain behind the Metropol and Rossiya hotels, and the medieval churches of Zaryade and the shops along Nikolskaya ulitsa may tempt you further into the quarter, where you'll find the former headquarters of the Communist Party. Take a private Kremlin tour to skip the lines for the Kremlin grounds and cathedrals.

The Kremlin and Kitay-gorod are surrounded by two quarters defined by rings of boulevards built over the original ramparts of medieval times, when Moscow's residential areas were divided into the "White Town" or Beliy Gorod, and the humbler "Earth Town" or Zemlyanoy Gorod. Situated within the leafy Boulevard Ring that encloses the Beliy Gorod are such landmarks as the Bolshoy Theatre and the Lubyanka headquarters of the secret police – with its "KGB Museum" – while the Zemlyanoy Gorod that extends to the eight-lane Garden Ring is enlivened by the trendy old and new Arbat streets, with three Stalin skyscrapers dominating the Ring itself.

Beyond this historic core Moscow is too sprawling to explore on foot. Krasnaya Presnya, Fili and the southwest describes a swathe which includes the former Russian Parliament building (known as the White House); Tolstoy's house and the Novodeviche Convent and Cemetery; Victory Park, with its war memorials and Jewish museum; and Moscow State University in the Sparrow Hills – the largest of the Stalin skyscrapers.

Across the river from the Kremlin, Zamoskvorechye and the south are the site of the old and new Tretyakov Gallery's superlative collection of Russian art. Private guided tours are recommended for art enthusiasts. Here too you'll find Gorky Park, the Donskoy and Danilov monasteries that once stood guard against the Tartars, and the romantic ex-royal estates of Tsaritsyno and Kolomenskoe – the latter known for staging folklore festivals and historical pageants.

Taganka and Zayauze, east of the centre, likewise harbour fortified monasteries – the Andronikov, Novospasskiy and Simonov – and the erstwhile noble estates of Kuskovo and Kuzminki, but the main lure for tourists is the Izmaylovo art market. Inside the Izmaylovo Kremlin, a cultural centre, there are also a range of attractions, from the Bread Museum and the Vodka History Museum to the fascinating Museum of Russian Toys.

Moscow's Northern Suburbs cover a vast area with a sprinkling of sights. Foremost is the Memorial and Museum of Cosmonautics and VDNK. For anyone interested in the glory days of the space race, and its monumental landmarks and propaganda, a visit is a must, like on this guided tour . In the vicinity are the Ostankino Palace, Moscow's Botanical Gardens and TV Tower. West from here, the Museum of Soviet Arcade Machines will appeal to visitors with an interest in Soviet social history, too.

Outside Moscow there's scope for day-excursions to the Trinity Monastery of St Sergei, the Abramtsevo artists' colony, Tchaikovsky's house in Kiln, Lenin's estate at Gorki Leninskie, and the battlefield of Borodino, where the battle is re-enacted every September. You can also head out to the village of Aksakovo for a beautiful two-hour troika ride. Further afield, the historic towns of Vladimir and Suzdal are graced by splendid cathedrals and monasteries attesting that they were the seat of a principality when Moscow was merely an encampment. Suzdal is one of the loveliest towns in Russia, and definitely merits an overnight stay. It's also possible to visit the Aviation Museum at Monino air base, en route to Vladimir, if you take the trouble to get permission ahead of time.

This article includes affiliate links; all recommendations are editorially independent.

Top image: Komsomolskaya metro station © Gubin Yury/Shutterstock

While Moscow's Bolshoy Ballet (also spelt "Bolshoi") is going through uncertain times, plagued by infighting and rivalries (not least the recent acid attack on Artistic Director Sergei Filin), few would deny themselves the chance to see this legendary company. During the season, evening performances start at 7pm, and Saturday and Sunday matinees at noon; there are no shows on Monday.

You can see what’s on currently and for a few months ahead on the Bolshoy’s website – although the English version sometimes lags behind the Russian one. The ballet company is usually abroad over summer and sometimes also in the autumn, leaving the junior corps de ballet to entertain visitors – although star dancers are certain to be in Moscow for the opening of the new season in September. For more on Russian ballet visit www.for-ballet-lovers-only.com . For those not interested in ballet but more in the historical aspect of the Bolshoy theatre, take a guided historic tour of the grounds.

If you're more interest in Folk Dances, visit the Kostroma Folk Dance show , the most authentic one in Moscow.

Built as a symbol of gratitude to divinity for having aided the Russians’ defeat of Napoleon in 1812, the Cathedral of Christ the Saviour (daily 10am–6pm), opposite the Pushkin Museum of Fine Arts at Volkhonka ul. 15, was demolished in 1931 in favour of a monument to socialism. The project was soon abandoned and years later, under Krushev’s rule, the site was turned into the world’s largest public swimming pool. In 1994 the Cathedral was rebuilt and is now a symbol of Moscow’s (and Russia’s) post-Communist religious revival.

Moscow isn’t a city that goes to bed early. Many venues act as a café by day, restaurant in the early evening, and both bar and club at night. This can cover anything from an arthouse café with a spot of live music to a dance warehouse, or a fancy nightclub with a restaurant and casino. Most cater to a certain crowd, whether it’s creative professionals, students, shell-suited "flatheads" or designer-draped models. While formal dress codes are rare, face control (feys kontrol) is widespread. Russians distinguish between “democratic” face control (aimed at keeping out hooligans and bandits), and the kind that favours the rich (never mind how they behave). It’s unwise to rile club security staff, however rude they might be.

There are scores of trendy bars and clubs on Krasny Oktyabr, a former chocolate factory building located across the river from Kropotkinskaya and now home to some of Moscow’s hippest nightlife.

Learn how to walk, talk, drink and party like a Russian on a small group with Russian spirits.

Moscow's gastronomic scene has improved enormously over the last five years, with hundreds of new cafés and restaurants offering all kinds of cuisine and surroundings, aimed at anyone with a disposable income – from mega-rich New Russians and expense-account expatriates to fashion-conscious wealthy teenagers.

For cheap eats head to a canteen, where you can compile a tray of dishes smorgasbord-style. Take advantage of the great-value business lunches offered by cafés and restaurants during the week between noon and 4pm.

For well over a century, Moscow has been one of the world’s great centres of classical music, opera and ballet, most famously represented by the Bolshoy Theatre but also by its orchestras and choirs. Theatre can be tricky for non-Russian speakers though circus and puppetry surpass the language barrier. Moscow’s film industry and annual international film festival dwarf St Petersburg’s, but at other times most cinemas screen Hollywood blockbusters.

All this can be surprisingly good value, provided you ask for the cheapest ticket available ( samiy deshoviy bilyet ).

Gorky Park on ul. Krymskiy Val 9 (R100; Park Kultury) is a large park occupying an area of over 700 acres along the river. In the winter the frozen-over paths become one of the city’s largest ice rinks, while in the summer Muscovites stroll the area savouring an ice cream.

Admirers of Bulgakov, Chekhov, Gorky and Tolstoy will find their former homes preserved as museums. Anton Chekhov lived at Sadovaya-Kudrinskaya ul. 6, in what is now the Chekhov House-Museum (Tues, Thurs & Sat 11am–6pm, Wed & Fri 2–8pm; R100, student R60; Barrikadnaya), containing humble personal effects, while the Gorky House-Museum (Wed–Sun 11am–6pm, closed last Thurs of the month; free; Arbatskaya) on the corner of Povarskaya ulitsa and ulitsa Spiridonovka is worth seeing purely for its raspberry-pink Art Nouveau decor. Leo Tolstoy admirers should head to the wonderfully preserved Tolstoy Memorial Estate on ul. Lva Tolstogo 21 (Tues, Wed & Fri 10am–6pm, Thurs 1–9pm, Sat & Sun 11am–6pm; R200, student R60; Park Kultury) where the Tolstoy family lived after moving to Moscow from their country estate in 1881, and where the novelist wrote War and Peace . The Bulgakov Museum at Bolshaya Sadovaya ul. 10 (Sun–Thurs 1–11pm, Fri & Sat until 1am; free; t 495/970-0619; Mayakovskaya), is the house where the novelist lived from 1921 to 1924. There are nightly tours (1–6am; R550; phone a week in advance for tour in English).

The Museum of Modern History at Tverskaya ul. 21 (Tues, Wed, Fri 10am–6pm, Thurs & Sat 11am–7pm, Sun 10am–5pm, closed last Fri of the month; R100; Tverskaya) brings the Communist past alive with striking displays of Soviet propaganda posters, photographs and state gifts, although there’s a frustrating lack of English translation.

Opposite the entrance to Gorky Park at Krymskiy Val 10, the New Tretyakov Gallery (Tues–Sun 10am–7.30pm; R360, student R220; Park Kultury) takes a breakneck gallop through twentieth-century Russian art, from the avant-garde of the 1910–1920s to contemporary artists. Full and illuminating commentary in English is a bonus.

A cluster of shining domes above a fortified rampart belongs to the lovely Novodevichiy Convent (daily 10am–5pm; closed Tues & last Mon of month; R150; Sportivnaya), founded by Ivan the Terrible in 1524. At its heart stands the white Cathedral of the Virgin of Smolensk. In its cemetery lie numerous famous writers, musicians and artists, including Gogol, Chekhov, Stanislavsky, Bulgakov and Shostakovich.

One of Moscow’s most exclusive neighbourhoods, Patriarch’s Ponds is a pleasant spot (there’s actually just one pond) for a summer stroll or an ice-skate on its frozen waters in the depths of winter. The area is also known for being the location of the opening scene of Mikhail Bulgakov’s magical realist novel The Master and Margarita .

Founded in 1898 in honour of the famous Russian poet, the Pushkin Museum of Fine Arts at Volkhonka ul. 12 (Tues–Sun 10am–7pm; R150–300, separate fee for Impressionist wing; Kropotkinskaya) holds a hefty collection of European paintings , from Italian High Renaissance works to Rembrandt, and an outstanding display of Impressionist works.

Get the city grit out of your skin at the exquisitely elaborate Sandunovsky baths (Neglinnaya ul. 14 bldg 3–7 w www.sanduny.ru ; Teatralnaya), patronized by Muscovites since 1896. Join Russian businessmen and socialites in the banya , a wooden hut heated with a furnace, where you are invited to sweat out impurities, get beaten energetically with birch twigs, and finally plunge into ice-cold water. Men’s and women’s baths are separate, with the women’s section more like a modern spa. A three-hour session costs R1000. Daily 8am–10pm.

Founded in 1892 by the financier Pavel Tretyakov, the Tretyakov Gallery at Lavrushinskiy per. 10 (Tues–Sun 10am–7.30pm; R360, student R220; Tretyakovskaya) displays an outstanding collection of pre-Revolutionary Russian art. Russian icons are magnificently displayed, and the exhibition continues through to the late nineteenth century, with the politically charged canvases of the iconic realist Ilya Repin and the Impressionist portraits of Valentin Serov, including The Girl with Peaches , one of the gallery’s masterpieces.

To see Soviet triumphalism at its most prolific, visit the Exhibition of Economic Achievements, or VDNKh (Prospekt Mira; VDNK/Prospekt Mira), with its statue upon statue of ordinary workers in heroic poses. Adding to the scene is the permanent trade-fair-cum-shopping-centre housed in the grandiose Stalinist architecture of the All-Union Agricultural Exhibition of 1939, and the People’s Friendship Fountain, flanked by Soviet maidens, each symbolizing a Soviet republic. One of the most hubristic Soviet monuments ever built is the Space Obelisk , which bears witness to Soviet designs on the stratosphere. Unveiled in 1964 – three years after Gagarin orbited the earth – it’s a sculpture of a rocket blasting nearly 100m into the sky on a plume of energy clad in shining titanium. Moscow’s giant Ferris wheel, small amusement park and numerous food vendors help to create a fairground-like atmosphere. For a fantastic view over the VDNK, take the lift to the 25th floor of Hotel Cosmos across Prospekt Mira.

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Cost of Living in Moscow

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This guide was written prior to Russia's 2022 invasion of Ukraine and is therefore not reflective of the current situation. Travel to Russia is currently not advisable due to the area's volatile political situation.

The cost of living in Moscow is quite high but is largely dependent on an expat's lifestyle. Expats working in Moscow who earn a decent salary will be able to manage day-to-day costs just fine, especially in comparison to those in major cities such as New York and London. Additionally, expats may be lured to Moscow by lucrative employment packages which offer benefits including private health insurance, a driver and schooling allowances.

While there are a few expenses in Moscow that expats will not be able to avoid, such as accommodation, many expats can decrease their cost of living through their choice of lifestyle . Living like the locals, which could involve cooking at home most nights and not spending large amounts of money on going out and visiting expensive tourist attractions, would certainly decrease expats living expenses, for example. 

Cost of accommodation in Moscow

Housing will likely be an expat’s largest expense in the Russian capital. Expats living in central areas can expect to spend more than a third of their monthly salary on rent. New arrivals looking for accommodation on a budget should consider exploring the areas and suburbs outside the city centre, while still bearing in mind public transport connections.

Additionally, while utilities may be cheaper than in major European capitals, expats in Moscow should budget for water, electricity and gas. These are not always included in the monthly rental and could be additional expenses.

Cost of transport in Moscow

From the metro, buses and minibus shuttles known as marshrutka to taxis and self-driving, there are many options for getting around. Each comes with its own costs, and expats may be pleasantly surprised by the affordability of transport in Moscow . Public transport tickets are fairly cheap, and petrol prices also fall below the global average.

Expats who plan on driving in Moscow may need to invest in car insurance, while others may opt to hire a driver. These may add to an expat's general expenses.

Cost of education and schools in Moscow

Families relocating with children will most likely need to cover the cost of school fees. Most expats who face a language barrier in Russia send their children to a private or international school that follows the same language and curriculum as their home country. Fees at international schools can be high, and preschool fees for young children are also fairly costly. Where possible, we recommend expats negotiate an allowance for school fees in their employment contract.

Cost of groceries in Moscow

The cost of groceries in Moscow can be comparable to or higher than prices in other major international cities. Prices for necessities like fruits, vegetables, and dairy products can be relatively affordable, while speciality items are generally pricier.

Cost of entertainment and eating out in Moscow

The cost of entertainment and eating out in Moscow can vary greatly and largely depends on the type of establishment. On the whole, though Russian prices are generally quite reasonable, prices in Moscow can be higher than what expats might expect. In terms of entertainment options, Moscow offers a wide variety of options to suit various interests and tastes. From visiting museums, theatres and concert halls to enjoying outdoor activities, expats will find a range of options to keep themselves entertained.

Cost of living chart for Moscow

Prices may vary depending on the product and service provider. The list below shows the average cost of living in Moscow before Russia's war in Ukraine and was last updated prior to 2022. 

Further reading

►An expat's expenses depend on their personal preferences and lifestyle choices. Get some insights on the lifestyle in Moscow

►For more info on expenses in the country as a whole, read Cost of Living in Russia

Expat Experiences "Meat, poultry and milk products are considerably cheaper compared to Indonesia. But fish and tropical fruits are as expensive as gold." Eva, an expat from Indonesia, shares her experience of moving to Moscow in her interview with Expat Arrivals . 

Are you an expat living in Moscow?

Expat Arrivals is looking for locals to contribute to this guide, and answer forum questions from others planning their move to Moscow. Please contact us if you'd like to contribute.

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The secret world behind school fundraisers and turning kids into salespeople

Sarah Gonzalez, photographed for NPR, 2 August 2022, in New York, NY. Photo by Mamadi Doumbouya for NPR.

Sarah Gonzalez

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Sam Yellowhorse Kesler

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LEFT: Maria Lares is a longtime teacher and PTA Treasurer at Villacorta Elementary in La Puente, CA. RIGHT: Sophia Fabela (left) and Samantha Nicole Tan (right) are two students at Villacorta who consider themselves pretty good sales kids. Sarah Gonzalez/NPR hide caption

LEFT: Maria Lares is a longtime teacher and PTA Treasurer at Villacorta Elementary in La Puente, CA. RIGHT: Sophia Fabela (left) and Samantha Nicole Tan (right) are two students at Villacorta who consider themselves pretty good sales kids.

Maria Lares is arguably the heart and soul of Villacorta Elementary School in La Puente, California. She's been teaching at the school for more than 30 years and has been on the Parent-Teacher Association there the entire time.

"The PTA actually means a lot to me," she says. "I'm an immigrant, and when I got here my parents – they worked 12 hours a day. So they never attended any school things. So as a teacher I said, 'Uh-uh, PTA's my baby!' And it has been for all these years."

The way Maria sees it, the main job of the school's PTA is to fund the activities that make school fun for kids — e.g., pizza parties for the honor roll students, bringing in a big reptile show for kids, or helping pay for the 6th graders to go to science camp for a week.

The rise of the four-day school week

The rise of the four-day school week

This year, Maria's number one priority is for the PTA to raise enough money to send every single kid at the school on at least one field trip.

It's been three years since the whole school went on one. The school didn't fundraise in time last year, and they didn't go on field trips the previous two years because of COVID-19. So this year, Maria is determined to make field trips happen. And she's looking forward to one field trip in particular for her first graders.

"I like to take my class to the beach. On a boat ride," she said. "They'll tell you, 'I've never been to the beach!' They have never been on boats before."

The beach is just 40 minutes away, but 90% of students at this school are economically disadvantaged and 20% are unhoused, so many of her students have never seen the ocean.

To pay for a trip to the beach and all the other field trips, the PTA at Villacorta Elementary raises money through their own fundraisers, like nacho sales and t-shirt sales. But those don't generate huge amounts of money, so once or twice a year, they'll go through a school fundraising company. Those companies put on these flashy assemblies where they show students all the prizes they could win if they sell enough chocolate, or popcorn, or wrapping paper.

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"Mr. Cheesecake," aka Andrew Smith, is known for getting students to sell ... cheesecake. Here he is kicking off a school fundraiser. Sarah Gonzalez/NPR hide caption

"Mr. Cheesecake," aka Andrew Smith, is known for getting students to sell ... cheesecake. Here he is kicking off a school fundraiser.

Now offsetting the costs of field trips with fundraising happens at pretty much every school. Wealthy schools also fundraise to help cover the cost of their more expensive trips.

But why is this the system? Why do schools let companies come in to turn kids into little salespeople?

Public schools get their official budgets from local property taxes, as well as states and the federal funding. Technically, schools get more money per student today than they have historically gotten.

For Villacorta Elementary, the district gets around $4.5 million a year. It's about $16,000 per student at this school, which is a little more than the national average of $14,347, according to 2021 Census Data . But it's not like the principal gets all of that money to spend. The district actually spends almost all of it on things like salaries for teachers and benefits and the cost of running the building. What the principal gets to spend is closer to $1,200 per kid. And because it's public funds, there are a lot of rules about how he can spend this money.

"It's sort of a give and take," says the principal George Hererra. "If I put [the money] to field trips, then I shortchange somewhere."

But when the PTA raises money from fundraisers like selling cheesecake or chocolate, that is not part of the official school budget. It is not "public funds." So this money can go to anything. Which is very valuable to a school.

Marguerite Roza, a school funding expert at Georgetown Universitiy's McCourt School of Public Policy, said it would be possible to just change the rules about how school money can be spent. And, she said, if a school really wanted to prioritize field trips in their official budget, they could. No fundraising from the PTA necessary.

Because, of the $1,200 the principal gets per student, around $500 could be spent on field trips. That would be enough money to send everyone at the whole school on approximately 17 field trips a year. But that is not what this principal does.

George chooses to spend his budget on a teacher's aide for his students that are learning English and an attendance clerk to try to deal with the school's attendance problem. The clerk calls parents when a student is absent to ask why their child is missing school.

The evidence on school vouchers that'll please nobody

The Indicator from Planet Money

The evidence on school vouchers that'll please nobody.

"For me, my decision is very academic-based. You know, what intervention do we need? Do we need to hire an intervention teacher? Do we need to provide after-school tutoring?"

And choosing to prioritize his budget this way might be tactical.

Marguerite Roza, the school funding expert, says it is a lot easier to ask parents and the community to pitch in for something like field trips than it is to go around asking parents to donate money to pay for the salary of an attendance clerk. The PTA could fundraise for that instead. But schools all over the U.S. choose to fundraise for the fun school perks instead because it works. People like to give money for this kind of cause.

But that means the fundraisers never stop.

Every year the PTA at Villacorta has a goal to raise $20,000. To get there, they held about 10 fundraisers: a popcorn fundraiser, a Mother's Day shop, a jogathon but with bubbles called a "bubble run." For one fundraiser, the teachers worked at McDonald's for a day. (The teachers made the fries, and the principal served cookies.)

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One of the big fundraisers, the Bubble Run, was essentially a jogathon with bubbles. Students got the community to donate money. Sarah Gonzalez/NPR hide caption

One of the big fundraisers, the Bubble Run, was essentially a jogathon with bubbles. Students got the community to donate money.

When the school uses a fundraising company, the company takes a cut of everything students sell. In Villacorta's experience, the company usually gets 60% and the school gets 40%, which is not the best deal. But the companies help the school bring in more money per fundraiser.

After a year of fundraising, Maria's school was just shy of their $20,000 goal. The sixth graders were the first to go on a field trip.They went to the Aquarium of the Pacific in Long Beach, California. But, all the other grades still have to go on their field trip; Maria's beach trip for the first graders still has to happen. So, the fundraising continues.

Their next fundraiser starts March 18th. They're selling peanut brittle, gummy bears and chocolate covered popcorn.

Baby's first market failure

Baby's first market failure

Today's show was hosted by Sarah Gonzalez and produced by Sam Yellowhorse Kesler. It was edited by Jess Jiang, fact checked by Sierra Juarez, and engineered by Valentina Rodríguez Sánchez. Alex Goldmark is Planet Money's executive producer.

Help support Planet Money and get bonus episodes by subscribing to Planet Money+ in Apple Podcasts or at plus.npr.org/planetmoney .

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Music: Universal Production Music - "No School No Rules," "Give 'Em That Old School," "Penny Farthing," and "Back to School"

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Taiwan students outside red flagged building

Mental health leave offered to Taiwanese students as youth suicides double

Scheme allows three days off each term as high school stress and depression rates soar

Taiwanese high schools will begin offering mental health leave to students this month, to address rising rates of youth suicide and high levels of stress and depression.

Under the programme, high school students can apply for up to three days off each semester, taken as full or half days, without proof of need but with the permission of their parents. More than 40 schools have expressed interest in the trial run, according to the ministry of education.

The scheme is in response to rising concerns over mental health issues among young people in Taiwan. Between 2014 and 2022, the suicide rate among people aged 15 to 24 more than doubled, even as the overall rate declined.

But some Taiwanese authorities have been criticised over their response to the crisis, with advocates saying extreme academic pressure on students is a key driver of stress, anxiety and depression.

In 2022, a senior official at the ministry of health and welfare came under fire from youth advocacy groups after linking the increase in suicides to the “growing number of tall buildings in Taiwan”. His comments were in response to a question from UN experts about whether Taiwan authorities had looked into systemic factors such as academic pressure, and were widely criticised as dismissive of growing concerns about the impact this had on students in Taiwan and other east Asian countries.

In 2022 the Child Welfare League Foundation conducted a survey of students, finding that more than 12% reported “severe” levels of stress, and was more than twice as bad among senior high school students than juniors. Almost a quarter of high school students said they had experienced severe depression. The survey said the top three drivers of stress reported were schoolwork (77%), future prospects (67%) and interpersonal relationships (43%).

“I could easily get into the top three grades in my class in junior high school, but now my grades are not as good as they should be,” one high school student told the Observer , who also listed personal and family relationships and body image as sources of anxiety.

“This has made me very anxious, and I’ve begun to worry about whether or not I’ll be able to get into a university or something like that.”

Tapei students work in the shadow of a statue of the late Taiwan leader Chiang Kai-shek

The girl said her teacher had discussed mental health leave with the class, but she didn’t think many of her fellow students would take it up.

“I don’t think you can deal with an emotional or mental state by taking time off school. It’s just an escape,” she said.

“No one is going to take this kind of leave … Even if they do, they will just stay home and study. I think a lot of parents would be against this policy. They’re not high school students, so they don’t know how much pressure we’re under.”

Hsiao Chih-hsien, a psychologist at the National Sun Yat-sen University counselling and health unit, said the leave days were a good step in the right direction.

“Mental health leave has a certain degree of effectiveness. It allows students to relieve the urgent stresses of the moment and have sufficient buffer rest time to digest and cope with their discomfort,” Hsiao said.

Hsiao suggested the programme could also help improve social attitudes towards mental illness. “If mental discomfort is seen in a normalised manner,” Hsiao said, “students will be more courageous in seeking help.”

In 2018, polling found that more than 53% of people in Taiwan thought mental illness was stigmatised in their society. An 18-year-old Taipei student said he believed this would hold many young people back from using the leave, for “fear they will be treated as mentally or psychologically ill by their classmates”.

The high school pilot programme emulates initiatives already running at dozens of Taiwanese universities, offering up to five days of mental health leave.

The National Taiwan University student union said there were 1,686 applications for mental health leave last semester, accounting for 5% of the students. The proportion was higher among arts students, of whom 11% applied for leave.

“As there are days in each semester when students can take the leave without any supporting documents, it is very helpful and flexible for students who are unable to attend classes due to temporary psychological problems,” a spokesperson said.

The union said students were positive about the programme, but there were teething problems, including some professors deducting attendance points from students who take the leave days.

Government guidelines for the scheme advise universities to pay increased attention to students’ emotional wellbeing and ensure counselling and other services are available alongside the leave days.

“All teachers (including tutors and supervisors), professional counsellors, and relevant personnel in teaching and administrative units should pay attention to the physical and mental health of students, and should not cause discrimination or stigmatisation due to the use of physical and mental adjustment leave,” it said, urging that students instead be encouraged to seek help.

In the UK and Ireland, Samaritans can be contacted on freephone 116 123, or email [email protected] or [email protected] . In the US, you can call or text the National Suicide Prevention Lifeline on 988, chat on 988lifeline.org , or text HOME to 741741 to connect with a crisis counsellor. In Australia, the crisis support service Lifeline is 13 11 14. Other international helplines can be found at befrienders.org

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Politics latest: Ministers contradict each other on national insurance ambition

Politics Hub With Sophy Ridge has heard from two ministers since the budget was delivered yesterday - one said the government would like to "abolish" national insurance and the other suggested the ambition was to "bring it down". Our Daily podcast looks at what scrapping it may look like.

Thursday 7 March 2024 23:00, UK

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LBC broadcaster Nick Ferrari, who is on the Politics Hub With Sophy Ridge  panel tonight, has said this evening's interview with Work and Pensions Secretary  Mel Stride shows there is "utter confusion" within government on national insurance.

"What there seems to be now, as you have exposed with the Mel Stride interview ... is this utter confusion within the higher echelons of the Conservative Party," he said.

"It speaks to the fact they are at best a bit mixed, if not a little bit muddled."

Earlier in the show, Mr Stride told Sophy his "understanding" was that the government has an aspiration to bring down national insurance and taxes more generally over time ( see 19.18 post ).

It comes after Treasury minister Bim Afolami told Sophy yesterday the government wants to scrap national insurance contributions entirely.

"We want to eliminate that double tax on work," he said.

You can watch that below:

Fellow panellist, Josh Simons , director of Labour Together, says the confusion could be down to one of two things.

"Either they mean it, and they want to scrap it, in which case there's £168bn of lost revenue they've got to explain and set out a policy for.

"Or they didn't mean it, in which case it was a screw-up.

"And in either of those scenarios, what the public are hearing right now is a vast unfunded tax cut, which for the public reminds them of that Liz Truss budget."

Thank you for joining us for another busy day in Westminster.

Here's what happened:

  • The Work and Pensions Secretary has fuelled confusion over the government's plans for national insurance contributions;
  • Mel Stride told Sky's Sophy Ridge his "understanding" was that the government planned to "bring down" contributions;
  • It comes a day after Treasury minister Bim Afolami told Sophy the government wants to scrap national insurance contributions entirely;
  • The prime minister appears to have quashed speculation about a May election, saying "nothing has changed" since he last indicated it will happen in the autumn;
  • Shadow Labour minister Louise Haigh has told Sophy Ridge it would be "pretty disgraceful" if there is no May election;
  • Science Secretary Michelle Donelan is facing calls to repay £15,000 of taxpayer money which was used to settle a legal dispute reached after she claimed an academic was a Hamas supporter.

Join us again from 6am for the very latest political news.

Science Secretary Michelle Donelan is in the news after it was revealed £15,000 of taxpayer money was used to settle a legal dispute.

What did she do?

The issue began with a post on social media by academic Professor Kate Sang made last year.

Prof Sang had posted a message saying "this is disturbing" alongside a link to a Guardian article which described the response by Israel to the 7 October attacks by Hamas.

A second academic, Dr Kamna Patel, reposted a message describing Israel's actions as "genocide and apartheid".

Ms Donelan then posted on X a letter to the UK Research and Innovation (UKRI) expressing her "disgust and outrage" that Prof Sang and Dr Patel had "shared extremist views".

Ms Donelan also claimed Prof Sang had expressed sympathy for Hamas.

What happened next?

Both academics were subject to a UKRI investigation, having recently been appointed to the organisation's advisory group on equality, diversity, and inclusion.

It uncovered no evidence they had expressed extremist views or support for Hamas, or breached the terms of their appointments.

Prof Sang launched a libel action against the cabinet minister.

Libel is the act of publishing a false allegation which could damage someone's reputation.

Why has Ms Donelan had to pay?

Earlier this week, Ms Donelan made a new post on social media in which she withdrew her original statement. 

Ms Donelan accepted Prof Sang had been referring to the Guardian article as a whole.

Her statement added: "I fully accept that she is not an extremist, a supporter of Hamas or any other proscribed organisation and I note that an independent investigation has concluded that there is no evidence that she is. I have deleted my original post to my X account."

What the cabinet minister did not make clear - and was only revealed by lawyers who represented Prof Sang - was that Ms Donelan had paid a settlement with the academic. 

The government later confirmed the sum was paid from taxpayer funds but was "without admitting any liability" - they also did not say what the figure was.

It was revealed on Wednesday - the same day as the budget - that £15,000 of taxpayer money had been paid to Prof Sang.

What has the reaction been?

The Liberal Democrats have called for Ms Donelan to step aside and the matter to be investigated.

Labour leader Sir Keir Starmer has not called for Ms Donelan to go, but has said she should pay back the money.

Rishi Sunak has said it is a "long-standing convention" that the government will fund legal disputes "when it relates to government ministers doing their work".

And Penny Mordaunt, another cabinet minister, said it was worth bearing in mind Ms Donelan's character as a whole - including the fact she did not take the roughly £17,000 payout she was entitled to when she resigned as education secretary in 2022.

By Tom Clarke , Science and technology editor

One of the members of an expert group falsely accused of sharing "extremist views" online by Science Secretary Michelle Donelan has called on her to resign.

The cabinet minister publicly retracted her remarks on Tuesday after two members of Research England's Equality, Diversity and Inclusion (EDI) Advisory Group began libel proceedings against her. 

"This wasn't a misunderstanding," said Dibyesh Anand, interim deputy vice-chancellor at the University of Westminster, a member of the expert group who was not individually named by the minister.

Ms Donelan's intervention was "irresponsible at best, but a malicious and vindictive attack on individuals connected with EDI at worse," he said.

Prof Anand was at a human rights conference in Geneva last October when he first learned of a press release produced by the right-leaning thinktank Policy Exchange which identified him and other members of the EDI advisory group as having "radical anti-Israeli views."

He was shocked, he said, by what he saw as deliberate misinterpretation in the press release. At the time he was also being accused of being a "Zionist" by other academics on X.

It is understood that it was the Policy Exchange press release that prompted the intervention by the secretary of state for science, innovation and technology (DSIT).

Read more here:

The government's Rwanda bill will return to the House of Commons on 18 March, Commons leader Penny Mordaunt has confirmed.

The Safety of Rwanda (Asylum and Immigration) Bill has suffered 10 defeats in the House of Lords.

Changes backed by the Lords include overturning the government's plan to oust the courts from the process, effectively blowing a hole in the bill's attempt to avoid future legal challenges.

The proposed law aims to clear the way for sending asylum seekers to Rwanda by compelling judges to consider the east African country safe.

Other changes supported by the unelected chamber include safeguards to reduce the risk of unaccompanied children being sent to Rwanda, a block on the removal of victims of modern slavery and human trafficking, and those who worked with the UK military or government overseas.

The Bill will pass between the two Houses until they can reach an agreement on its wording. 

There is expected to be an extended stand-off between the two, known as "ping-pong".

It needs to become law before asylum seekers can be flown to the country after the Supreme Court ruled last year that it was an unsafe destination for them to be sent.

Earlier today, the prime minister said reforming the House of Lords "isn't top of the agenda" despite frustration with peers for "blocking" the plan ( see 13.50 post )

By Faye Brown , political reporter

Rishi Sunak has appeared to quash lingering speculation of a May general election - saying "nothing has changed" since he last indicated it will happen in the autumn.

The prime minister told reporters in January that his "working assumption" is that voters will go to the polls in "the second half of this year".

However, he did not rule out a May election categorically, prompting speculation he was keeping the option up his sleeve.

Some pundits argued Mr Sunak could go to the polls early if the spring budget on Wednesday contained enough giveaways - but the lack of radical measures cooled such talk.

Mr Sunak further poured cold water on suggestions of a May election on Thursday.

When asked about the date of the election by BBC Local Radio in Yorkshire, Mr Sunak said: "I was very clear about this at the beginning of the year about my working assumption for the election being in the second half of the year - nothing has changed since then."

Read more below:

By Niamh Lynch , news reporter

Cherie Blair has revealed the advice Hillary Clinton gave to her before her husband's landslide victory at the 1997 general election.

Speaking to Sky's Politics Hub With Sophy Ridge, Tony Blair's wife said Mrs Clinton became her mentor when the Labour politician became leader of the opposition in 1994 and is "still a dear friend".

When asked what advice she would give to Sir Keir Starmer's wife Lady Victoria if he becomes prime minister in the upcoming general election, Mrs Blair said she would repeat the 2016 US presidential candidate's advice.

"I'm sure she's [Lady Victoria] going to get plenty of advice, but I will always tell her what Hillary Clinton said to me, which is, 'You're always going to face criticism, some people will dislike you - not for anything you do - but because of what you represent. Therefore, the most important thing is to be true to yourself and do the things that you feel comfortable about doing,'" she said.

More parents will be paid full child benefit after the chancellor announced changes to the threshold in the latest budget.

How will the change affect you?

Use the calculator at the link below to find out how much you can claim:

By Becky Johnson , communities correspondent

The mother of a homeless teenager who tried to take his own life has said he told her "mummy, I just can't deal with it anymore".

Mary (not her real name), 47, her son, 17, and her daughter, 12, have been living in one room of a bed and breakfast since they were evicted from a privately rented flat in November 2022 after the landlord decided to sell.

Under the Housing Act, it is unlawful for councils to keep households with children or pregnant women in temporary accommodation for more than six weeks.

The family have now been waiting for Croydon council to find them somewhere permanent to live for 15 months.

The UK will supply 10,000 more drones to Ukraine, Defence Secretary Grant Shapps has announced during his third visit to the war-torn country.

The move is a further £125m worth of investment on top of the £200m drone package announced by the prime minister in January.

The latest supply is made up mainly of first-person view (FPV) drones, as well as 1,000 one-way attack drones and surveillance and maritime drones.

The Ministry of Defence (MOD) said the drones have proven highly effective on the battlefield since Vladimir Putin ' s invasion of Ukraine two years ago, helping to target enemy positions, armoured vehicles and Russia's navy.

The second episode of Electoral Dysfunction, our new political podcast, releases tomorrow.

This week, political editor Beth Rigby and her co-hosts Jess Phillips and Ruth Davidson will of course be dissecting the budget.

If you missed the debut show, you can listen below - it included talk of what George Galloway's by-election win in Rochdale means for British politics over the coming months.

And hit the link at the bottom of the post to follow the show wherever you get your podcasts, ensuring you never miss an episode.

Email Beth, Ruth, and Jess at [email protected], Tweet Beth @BethRigby, or send a WhatsApp voice note on 07934 200 444. 

👉 Listen above then tap here to follow Electoral Dysfunction wherever you get your podcasts 👈

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