Travel insurance is left to individual discretion, if you do not purchase travel insurance and for some reason need to leave the trip early your unused portion of the trip is non-refundable and you may incur some additional travel costs returning home. Most students do not take out travel insurance policies. Some credit card agencies, homeowner's insurance policies, or other insurance avenues have provisions for traveler's insurance. Before purchasing an additional policy, we advise that you investigate the details of your current coverages.