Travel insurance costs typically run 4 to 10 percent of total trip cost, but what you pay and what you get depends heavily on which coverage components you select and when you buy relative to your first trip deposit. This calculator helps you match the right coverage to your trip so you pay for protection you actually need.
Enter the total non-refundable cost of your trip, destination region, number of travelers and their ages, and departure date. Indicate which coverage types matter most: trip cancellation, emergency medical, evacuation, or baggage. The calculator returns an estimated premium range and flags the components with the highest claim value relative to cost for your specific trip.
Trip cost is the base for cancellation coverage because the insurer's maximum cancellation exposure equals your total non-refundable cost. Medical and evacuation coverage is priced based on destination -- international travel to countries with limited medical infrastructure carries substantially higher medical and evacuation risk. Traveler age affects the medical premium meaningfully, particularly for travelers over 65. Purchasing within 10 to 21 days of your first trip deposit qualifies you for a pre-existing condition waiver at most insurers.
Credit card benefits typically cover trip delay, lost baggage, and rental car but rarely include meaningful trip cancellation or emergency medical coverage. Review your card's benefit guide carefully before assuming it covers your trip adequately.
Only for reasons specifically listed in the policy: illness or injury of the traveler or immediate family, death of a family member, job loss, jury duty, and severe weather making the destination uninhabitable. Changing your mind is not a covered reason. Cancel for Any Reason is the only coverage that addresses discretionary cancellations.