Students should check with their parents or guardians about the requirements contained in their health insurance contracts. Students should also check to see if coverage might depend on the number of credit hours for which they are enrolled. The requirements vary by contract and insurance company. In that case, urgent or emergency care will be covered near school, but routine care and follow-up care can only be received in the plan's service area. If a student is not covered by a family insurance plan, there are other options.
Many universities carry group student health insurance plans for which students are eligible.
Some health plans offered by colleges may also be offered based on the number of credit hours enrolled, however. If neither a family plan nor school-sponsored plan is available, college students should strongly consider buying an individual plan. Property insurance Students moving to dormitories or apartments should consider renter's insurance to protect themselves from theft of their possessions or fire. Renter's insurance also covers personal liability, which means it will pay for damages caused by the renter, renter's family or pets. In some cases, students who are dependent children may still have their possessions covered by their parents' or guardians' homeowner's insurance policies.