Travel Insurance Calculator
Whether you are planning a dream vacation to Europe, a cruise to the Caribbean, or a domestic road trip, unexpected events can disrupt your plans. Travel insurance provides essential financial protection against trip cancellations, medical emergencies, and lost luggage. Use this comprehensive tool to estimate the cost of coverage, analyze policy options, and gain peace of mind for your next adventure.
1. Trip Details
2. Select Coverage Package
Click a package to auto-select features
Estimated Premium
Per Person: $0 | 0% of Trip Cost
Coverage Summary
| Emergency Medical | $100,000 |
| Medical Evacuation | $250,000 |
| Trip Cancellation | 100% of Cost |
| Trip Interruption | 150% of Cost |
| Baggage Loss | $1,000 |
| CFAR Coverage | Not Selected |
Premium Allocation
Make sure to purchase within 14 days of your initial trip deposit to qualify for Pre-existing Condition waivers.
What Does Travel Insurance Cover?
Travel insurance is designed to cover the financial risks associated with traveling. It provides a safety net for minor inconveniences like missed airline connections and delayed luggage, as well as major crises such as emergency medical evacuation or last-minute trip cancellations due to illness. A comprehensive policy ensures you aren't left paying thousands of dollars out of pocket if things go wrong abroad.
How Much Does Travel Insurance Cost?
Typically, a standard travel insurance plan costs between 4% and 10% of your total pre-paid, non-refundable trip cost. Factors affecting the premium include your age (rates increase significantly for travelers over 65), the length of the trip, the destination's risk level, and optional add-ons like Cancel For Any Reason (CFAR) coverage.
When Should You Buy Travel Insurance?
The golden rule is to purchase coverage within 14 to 21 days of making your initial trip deposit. Buying during this window often unlocks critical benefits such as the Pre-Existing Medical Condition Waiver and eligibility for CFAR upgrades. While you can buy insurance up until the day before departure, you may miss out on time-sensitive protections.
International vs. Domestic Coverage
For international trips, medical coverage is the primary concern. Most domestic health insurance plans (including Medicare) do not provide coverage outside the USA. An international travel insurance calculator helps you estimate the cost of a policy with at least $100,000 in medical limits and $250,000 for emergency evacuation, which is recommended for overseas travel.
Cancel For Any Reason (CFAR)
Standard trip cancellation only covers specific reasons like sickness or jury duty. CFAR coverage allows you to cancel for literally any reason (even fear of travel) and receive 50-75% of your trip cost back. This add-on typically increases your premium by 40-50%.
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