Travel Insurance Calculator
Calculate travel insurance costs for your trip
Calculate Travel Insurance Cost
Trip Details
Total cost including flights, hotels, etc.
Traveler Information
3+ travelers get group discount
Coverage Level
$100k+ recommended for international travel
Optional Add-Ons (Riders)
Your Travel Insurance Quote
Premium Breakdown (Per Person)
Coverage Limits
Key Insights
Understanding Travel Insurance
Why You Need It
Travel insurance protects your investment and provides medical coverage abroad. A medical emergency overseas can cost $50,000+. Trip cancellation due to illness, weather, or other covered reasons could mean losing thousands in non-refundable expenses.
What's Typically Covered
- • Medical emergencies: Hospital stays, doctor visits, emergency dental
- • Trip cancellation: Illness, injury, death of family member, weather, jury duty
- • Trip interruption: Return home early due to covered reasons
- • Baggage: Lost, stolen, or damaged luggage and personal items
- • Travel delays: Hotel and meal expenses for extended delays
- • Emergency evacuation: Transportation to adequate medical facility
What's NOT Covered
- • Pre-existing medical conditions (unless you buy waiver within 14-21 days)
- • Change of mind (unless you have CFAR coverage)
- • Adventure sports (unless specifically covered)
- • Acts of war or terrorism (varies by policy)
- • Illegal activities or reckless behavior
Cost Factors
When to Buy
Within 14-21 Days of Deposit
Activates pre-existing condition waiver
Before Final Payment
Ensures full trip cost coverage
At Least 24 Hours Before Departure
Minimum requirement for most policies
Coverage Tips
Travel Insurance Deep Dive
Coverage Level Selection
Essential medical and cancellation. Good for domestic trips.
Balanced coverage for most international leisure travel.
Full protection with higher limits. Best for expensive trips.
Maximum coverage for luxury travel or remote destinations.
Special Riders Explained
Cancel For Any Reason (CFAR)
Most valuable rider. Cancel for literally any reason (changed mind, work conflict) and get 50-75% refund. Must buy within 14-21 days of deposit and cancel 48+ hours before departure.
Pre-Existing Conditions Waiver
Covers medical conditions you had before booking. Must buy within time limit (usually 14-21 days) and be medically able to travel when purchasing.
Adventure Sports
Standard policies exclude skiing, scuba diving, bungee jumping, etc. This rider adds coverage for recreational adventure activities (professional/competitive still excluded).
Common Claim Scenarios
Medical Emergency Abroad
Broken leg skiing in Switzerland. Hospital bill: $45,000. Without insurance, you pay out of pocket.
Trip Cancellation
$8,000 cruise cancelled 2 weeks before due to illness. Non-refundable deposits protected.
Emergency Evacuation
Medical evacuation from remote location to hospital. Air ambulance cost: $125,000.
Credit Card Coverage vs Travel Insurance
Credit Card (Free)
- ✓ Basic trip cancellation (some cards)
- ✓ Baggage delay/loss
- ✓ Travel accident insurance
- ✗ Usually no medical coverage
- ✗ No emergency evacuation
- ✗ Lower limits ($5k-$10k typical)
- ✗ Must pay for trip with that card
Travel Insurance
- ✓ Comprehensive medical ($100k+)
- ✓ Emergency evacuation ($500k+)
- ✓ Full trip cost reimbursement
- ✓ Pre-existing conditions (with waiver)
- ✓ Cancel for any reason (optional)
- ✓ 24/7 assistance services
- ✗ Costs 4-10% of trip cost
Best approach: Use credit card benefits as supplement, buy comprehensive travel insurance for expensive trips, international travel, or if you have pre-existing conditions.