Travel Insurance Calculator
Calculate coverage and costs for your trip. Protect against cancellations, medical emergencies, and lost luggage — get your instant estimate in 60 seconds.
INDEPENDENT TRAVEL INSURANCE COMPARISON — PLANS FROM TOP-RATED PROVIDERS
Multi-provider insurance comparison — filter travel insurance plans by coverage, price, and destination. Direct vs. marketplace pricing shown side by side.
Travel Insurance for Every Type of Traveler
Whether you need affordable travel insurance for a quick trip or comprehensive worldwide travel coverage for a long journey, the right plan depends on who you are and where you're going. This travel insurance comparison tool filters plans by traveler profile automatically.
Family Travel Insurance
Most plans cover dependent children at no extra cost when traveling with an insured adult. Key priorities: trip cancellation, medical coverage for all ages, and baggage protection. Look for per-incident rather than per-person deductibles to reduce out-of-pocket costs.
Senior Travel Insurance
Travel insurance cost rises significantly after age 60. For seniors, emergency medical coverage and hospital coverage overseas are the highest priorities — a single hospital stay abroad can exceed $10,000 per day. Pre-existing condition waivers are especially important for this group.
Student Travel Insurance
Students studying abroad need affordable travel insurance that includes emergency medical coverage and evacuation. Many student visa programs require proof of overseas travel insurance. Long-term travel insurance or semester-length plans are often more cost-effective than standard single-trip policies.
Business Travel Insurance
Business travelers need trip interruption coverage for missed connections and emergency rebooking, plus business equipment coverage for laptops and cameras. Annual multi-trip insurance plans are typically the best value for those taking four or more work trips per year.
Cruise Travel Insurance
Standard policies may not cover missed port departures or evacuation at sea. Cruise-specific plans typically include missed connection coverage, itinerary change protection, and medical evacuation from international waters — which can cost far more than a land-based evacuation and repatriation.
Backpacker & Long-Term Travel Insurance
For backpackers and extended travelers, long-term travel insurance or annual multi-trip insurance offers worldwide travel coverage without buying a new policy for each destination. These plans prioritize emergency medical coverage and lost luggage claim support over trip cancellation, since accommodation is often flexible.
Why Buy Travel Insurance?
Trip Protection
Cancel for covered reasons — illness, death of a family member, natural disasters, or terrorism. Trip interruption coverage lets you cut short and come home without losing everything.
Medical Coverage Abroad
Standard U.S. health insurance rarely covers hospital coverage overseas. According to the U.S. State Department, emergency medical evacuations and repatriation alone can cost $50,000–$200,000 without travel insurance coverage. A travel medical emergency abroad can become a financial crisis without the right plan.
Baggage, Delays & Cancellations
File a lost luggage claim for up to $10,000 in reimbursement. Flight cancellation insurance covers prepaid, non-refundable costs when your flight is cancelled for a covered reason. Trip delay compensation reimburses meals and accommodation during delays of 6+ hours. 24/7 travel assistance hotline included on all plans.
When Should You Buy Travel Insurance?
Within 14–21 Days of Initial Deposit
Unlocks CFAR (Cancel for Any Reason) and Pre-existing Condition Waiver. Maximum protection at standard pricing.
Before Final Trip Payment
Still eligible for most standard coverages. CFAR window may be closed depending on insurer.
Up to the Day Before Departure
Basic medical and evacuation coverage still available. Trip cancellation limited to new events.
Day of Departure
Most insurers do not offer new policies on departure day. Purchase before you leave home.
How to File a Travel Insurance Claim
Contact the 24/7 Assistance Hotline
Your policy certificate includes an emergency number. Call immediately for medical emergencies or evacuation — prior authorization is often required.
Document Everything
Save all receipts, get police reports for theft, obtain medical records for health claims. Photograph damaged or missing luggage at the airline counter.
File Within 90 Days
Most travel insurance claims must be submitted within 90 days of the incident. Late filing can result in denial. Check your policy effective date and coverage exclusions.
Submit Required Documentation
Medical records, itemized receipts, proof of trip cost, airline delay documentation. The claim process typically takes 10–30 business days.
Receive Reimbursement
Approved claims are paid via check or direct deposit. Keep copies of all submitted documents. You may appeal denied claims within 60 days.
Understanding Your Travel Insurance Policy
📄 Policy Wording & Key Terms
Always read the full travel insurance policy wording before purchasing. Key sections to review include: coverage exclusions (what is explicitly not covered), the policy maximum limit per coverage type, the policy effective date (when coverage begins), and underwriting guidelines that determine eligibility. Most plans issued through comparison marketplaces use standard underwriting guidelines, but premium plans may require additional health declarations for travelers over 70.
💰 Refund Policy & Free Look Period
Most travel insurance providers offer a travel insurance refund policy commonly called a "free look period" — typically 10–15 days after purchase — during which you can cancel for a full refund if no claim has been filed and your departure date has not passed. After this window, premiums are generally non-refundable. The policy certificate you receive by email serves as your proof of coverage for visa applications, including Schengen visa insurance requirements.