College-Bound? Health & Life Insurance Tips Every Family Should Know
- epiainsurance
- Jul 14
- 2 min read
Sending a child off to college is a major milestone—and it comes with a long checklist: dorm essentials, tuition payments, new laptops, and maybe even a few tears. But there’s one topic that often gets missed in the rush: insurance.
Making smart insurance choices now can protect your college-bound student—and your entire family—against unexpected costs, emergencies, and headaches. Here’s what every parent should know:
1. Don’t Assume Your Child Is Covered
Many parents think their health or life insurance automatically covers their college-aged kids. That’s not always true!
Health insurance: Some family policies drop dependents at age 18 or 21, and not every college offers student plans. Check your current coverage and what’s available through the school.
Life insurance: If you’re relying on group life insurance through work, confirm that your child is still eligible as a dependent. If not, consider a small, affordable individual policy for added peace of mind.
2. Explore Student Health Insurance Plans
Many colleges and universities offer dedicated health plans for students. These can be a great fit—especially if your child is studying out of state. Compare the benefits, costs, and network options to your family’s existing coverage.
3. Understand What’s Actually Covered
Read the fine print!
Does your child have coverage for emergency room visits, mental health support, or routine care in their new city?
What happens if they travel, intern, or study abroad?
Ask the school’s student health office for a full rundown of what’s included (and what isn’t).
4. Consider Renter’s Insurance
If your student is living in a dorm or off-campus apartment, renter’s insurance can cover their belongings against theft, fire, or other unexpected events. It’s usually affordable and easy to set up.
5. Protect the Whole Family’s Finances
Life insurance isn’t just for parents! A small policy for your student can help cover expenses or debts in case of tragedy—and ensures your family can focus on healing, not bills.
If you’re co-signing loans or relying on your student’s income, make sure you’re protected, too.
6. Partner With a Trusted Advisor
Navigating health and life insurance options for college-bound kids can feel overwhelming. That’s where EPIA comes in.
We help families review their options, spot gaps, and make smart, affordable decisions for every stage of life.
Don’t wait until an emergency hits. Make insurance part of your college checklist—and send your student off with confidence!
Have questions or need help reviewing your coverage?
Book a free consultation with EPIA today and let’s plan your family’s next chapter, together.
📞 +1 626-912-1988
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