Trip information
Tell us about your trip so we can estimate a realistic premium.
Coverage options
Choose your medical coverage limit and any optional add-ons.
Medical coverage Add-on coverageHow travel insurance works
Travel insurance is a short-term policy that reimburses you for covered financial losses tied to a specific trip — a cancelled flight, a medical emergency abroad, lost luggage, or an evacuation from a remote destination. You pay a one-time premium before departure, and the policy stays in effect for the dates of your trip.
How travel insurance premiums are calculated
Most U.S. travel insurance is priced as a percentage of your total trip cost, commonly in the 4–8% range for standard coverage, then adjusted up or down based on your age, trip length, destination, and any optional coverage you add, like Cancel For Any Reason or higher medical limits. This calculator uses the same broad structure to produce an educational estimate.
Factors that affect travel insurance costs
Traveler age
Older travelers generally see higher premiums, since medical claims become more likely and more costly with age — the increase is often most noticeable after age 65.
Trip cost
Trip cancellation and interruption coverage is priced as a percentage of your total trip cost, so a more expensive trip means a higher premium for the same protection.
Destination
Remote or higher-risk destinations, and worldwide coverage in particular, typically cost more due to higher evacuation and medical costs abroad.
Trip length
Longer trips mean more days of medical and evacuation exposure, so premiums generally rise with trip duration.
Coverage limits
Higher medical and evacuation limits cost more but provide meaningfully more protection if a serious medical event happens far from home.
Adventure activities
Activities like skiing, scuba diving, or zip-lining often fall outside standard policies and require an adventure sports add-on to be covered.
What does travel insurance cover?
A typical policy can include trip cancellation and interruption, emergency medical treatment abroad, emergency medical evacuation, baggage loss or delay, and travel delay reimbursement. Optional add-ons like Cancel For Any Reason, adventure sports coverage, rental car protection, and pre-existing condition waivers let you tailor the policy to your specific trip.
Tips to save money on travel insurance
Buy your policy soon after your initial trip deposit to unlock pre-existing condition waivers at no extra cost, compare medical coverage levels rather than defaulting to the highest tier, skip Cancel For Any Reason if your plans are firm, and consider an annual multi-trip policy if you travel more than two or three times a year.
Who should buy travel insurance?
Travel insurance is especially valuable for international trips where your domestic health insurance may not apply, expensive non-refundable trips, cruises, adventure travel, senior travelers, and anyone traveling to a destination with elevated medical evacuation costs.
