Quick answer: Travel insurance typically costs 4-10% of your total trip cost. Use this tool to estimate your specific premium based on trip details.
Travel Insurance Estimator
Get a quick estimate of typical travel insurance costs for your trip. Compare basic, mid-tier, and premium coverage levels.
Estimated Annual Travel Insurance Premium
Basic Coverage: $0
Standard Coverage: $0
Premium Coverage:
What Travel Insurance Covers
- Trip cancellation/interruption: Refund non-refundable expenses if you can’t go (sickness, family emergency)
- Medical emergencies: Cover overseas medical costs (your US health insurance often doesn’t apply abroad)
- Emergency evacuation: Air ambulance can cost $50,000-$200,000 without insurance
- Lost/delayed baggage: Replace essentials and reimburse for lost items
- Travel delay: Cover hotels and meals if flights are delayed 6+ hours
When to Buy Travel Insurance
- Within 14 days of first trip deposit for pre-existing condition waivers
- Before any flight cancellation penalty kicks in
- For international trips, never travel without it
- For high-cost trips ($5K+), always get CFAR if available
FAQs
How much should travel insurance cost?
Typically 4-10% of your total trip cost. Older travelers and high-risk destinations push the cost up.
Is travel insurance worth it?
Yes for international trips. Medical emergencies abroad can cost $50,000+. Trip cancellation alone can recoup the premium.
Do credit cards offer travel insurance?
Many premium cards (Chase Sapphire Reserve, Amex Platinum) include trip cancellation, baggage, and delay coverage. Verify the limits.
What’s not covered?
Pre-existing conditions (without waiver), high-risk activities (without rider), war/civil unrest in active zones, intoxication-related incidents.